David D. Smith - Page 9

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               303 of this title, * * * operates as a stay, applicable                
               to all entities, of--                                                  
                           (1) the commencement or continuation,                      
                    including the issuance or employment of                           
                    process, of a judicial, administrative, or                        
                    other action or proceeding against the debtor                     
                    that was or could have been commenced before                      
                    the commencement of the case under this                           
                    title, or to recover a claim against the                          
                    debtor that arose before the commencement of                      
                    the case under this title;                                        
                        *     *     *     *     *     *     *                         
                           (3) any act to obtain possession of                        
                    property of the estate or of property from                        
                    the estate or to exercise control over                            
                    property of the estate;                                           
                           (4) any act to create, perfect, or                         
                    enforce any lien against property of the                          
                    estate;                                                           
                           (5) any act to create, perfect, or                         
                    enforce against property of the debtor any                        
                    lien to the extent that such lien secures a                       
                    claim that arose before the commencement of                       
                    the case under this title;                                        
                           (6) any act to collect, assess, or                         
                    recover a claim against the debtor that arose                     
                    before the commencement of the case under                         
                    this title; * * *                                                 
               Title 11 U.S.C. section 362(b) (2000), which establishes               
          exceptions to the automatic stay described above, provides in               
          pertinent part:                                                             
               (b) The filing of a petition under section 301,                        
               302, or 303 of this title, * * * does not operate as a                 
               stay--                                                                 
                        *     *     *     *     *     *     *                         






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