If a creditor desires to seek further relief after a bankruptcy is filed, they may file a Motion for Relief from Stay requesting the court to either remove or modify the bankruptcy stay. Relief from the automatic stay may be granted in the event a creditor is deemed to not be adequately protected during the term of the bankruptcy.
Creditors may obtain an court order ending the stay and allowing them to foreclose on a mortgage or enforce other liens. If adequate protection is given the item, the creditor normally will not be granted the relief from stay.
A creditor can ask the judge to lift the automatic stay and permit some action against the debtor or the property of the estate. If the judge lifts the stay, the creditor may take whatever action the court permits.