La Palma, California Bankruptcy Lawyers

Raymond J Seo
Claimed Lawyer ProfileSocial Media
La Palma, CA Bankruptcy Lawyer with 17 years experience
(714) 521-8880 1 Centerpointe Dr #314
La Palma, CA 90623
Bankruptcy
Loyola Law School, Los Angeles
After being raised in Torrance, California, I began pursuing my career in law by attending the University of California Irvine for undergraduate studies. I continued my studies at Loyola Law School and completed my education in 2001, and shortly after was admitted to the California State Bar.
La Palma, CA Bankruptcy Attorney with 18 years experience
(714) 521-8880 1 Centerpointe Dr
Ste 314
La Palma, CA 90623
Bankruptcy
Loyola Law School
La Palma, CA Bankruptcy Lawyer with 27 years experience
(714) 224-0270 7931 Birchwood Cir
La Palma, CA 90623
Bankruptcy and Business
USC Law School
La Palma, CA Bankruptcy Attorney with 19 years experience
(646) 780-0405 4992 Partridge Cir
La Palma, CA 90623
Bankruptcy and Business
Univ of Minnesota L S
La Palma, CA Bankruptcy Lawyer with 30 years experience
(714) 367-8457 6 Centerpointe Dr Ste 700
La Palma, CA 90623
Bankruptcy
Southwestern Univ School of Law
Raymond Jake Bulaon
Claimed Lawyer ProfileSocial Media
Cerritos, CA Bankruptcy Lawyer with 22 years experience
(562) 467-8975 18000 Studebaker Road
Suite 700
Cerritos, CA 90703
Free ConsultationBankruptcy and Tax
Kensington Univ COL
Pasadena bankruptcy attorney Ray Bulaon is founder of the Ray Bulaon Law Offices, Inc., a firm providing residents of Los Angeles, Ventura, San Bernardino, and Riverside counties with legal services on the matter of bankruptcy. Mr. Bulaon has practiced law for 17 years and he has helped more than 5,000 individuals and small businesses navigate through the bankruptcy process. He has an 8.2 Excellent rating on Avvo.com. Mr. Bulaon is a member of the National Association of Consumer Bankruptcy Attorneys, the Los Angeles Bankruptcy Forum, and the Central District Consumer Bankruptcy Attorneys Association. Contact his firm today to request a...
Julie Moradi
Claimed Lawyer ProfileSocial Media
Cerritos, CA Bankruptcy Lawyer with 10 years experience
(562) 219-2979 10900 183rd St
STE 270
Cerritos, CA 90703
Free ConsultationBankruptcy and Foreclosure Defense
Loyola Law School, Los Angeles
Julie J. Moradi has helped hundreds of clients with foreclosure prevention, bankruptcy debt relief, and asset protection, throughout Southern California. Ms. Moradi specializes in Chapters 7, 11 and 13 bankruptcy cases, as well as home loan modifications, and foreclosure defense.
Stephen B Mashney
Claimed Lawyer ProfileSocial Media
Anaheim, CA Bankruptcy Attorney with 26 years experience
(800) 555-6655 335 N Brookhurst Street
Anaheim, CA 92801
Free ConsultationBankruptcy, Personal Injury, Products Liability and Workers' Comp
San Francisco Law School
Born on the 4th of July, Stephen Mashney has independence in his genes! Since childhood, he confronted bullies & fought his way from elementary school till today. Stephen will not look the other way when he sees injustice. He will fight for the underdog & win. Stephen has compassion for & respect to others including animals. As a child, Stephen adopted countless stray cats & dogs & he would not hurt a fly today.
In 1978, Mr. Mashney received his Bachelor of Pharmacy degree from Cairo University, Egypt & worked as a pharmacist in Ramallah. In 1979, he immigrated...
James Charles Shields
Claimed Lawyer ProfileSocial Media
Huntington Beach, CA Bankruptcy Attorney with 24 years experience
(888) 910-6652 7755 Center Avenue
11th Floor
Huntington Beach, CA 92647
Bankruptcy, Estate Planning and Probate
Loyola Marymount University
High caliber legal representation can be difficult to find these days. When you work Attorney James C. Shields, you can feel confident knowing that you have an experienced legal advocate on your side. Attorney Shields has nearly three decades of legal experience and he strives to use that experience and knowledge to help his clients make informed decisions about their future. Mr. Shields specializes in bankruptcy law and he has helped countless clients fight for a fresh start. He also defends against foreclosure and repossession if you are behind on your mortgage payments. He deals with bankruptcy everyday and he...
Mike Singh Sethi
Claimed Lawyer Profile
Orange, CA Bankruptcy Attorney with 12 years experience
(714) 921-5226 625 N Main Street
Orange, CA 92868
Free ConsultationBankruptcy, Criminal, Immigration and Personal Injury
American COL
The U.S. Law Center is a nationwide, full-service immigration law firm that provides large corporations, small businesses and individuals with a full range of immigration processing and placement services. Attorney Mike Sethi earned his Bachelor of Business Administration from California State University Dominguez Hills in 1995. He received his law degree from the American College of Law, where he graduated in the top three percent of his class and was awarded seven AM-JUR Bancroft-Whitney Awards. These awards are presented to those students attaining the highest grades in particular subjects. He is a member of the Bar for the state of...
Sanaz Sarah Bereliani
PREMIUM

California Bankruptcy Lawyer with 11 years experience

Sanaz Sarah Bereliani received her J.D. from Whittier College School of Law, with a focus on reorganization and bankruptcy. During law school, she worked as an invaluable law clerk to a prominent Superior Court of... Read More »
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Laila Havre Jacobsma
Claimed Lawyer ProfileSocial Media
Santa Fe Springs, CA Bankruptcy Attorney with 26 years experience
(562) 219-2747 12631 E. Imperial Highway
Suite D-126
Santa Fe Springs, CA 90670
Bankruptcy, Animal, Arbitration & Mediation and Legal Malpractice
Pepperdine University School of Law and Western State College of Law at Argosy University
William Kent
Claimed Lawyer ProfileSocial Media
Stanton, CA Bankruptcy Lawyer with 63 years experience
(800) 605-5801 8220 Katella Ave.
Suite 214
Stanton, CA 90680
Free ConsultationBankruptcy and Immigration
University of Pennsylvania
Immigration Lawyer William Kent has dedicated his legal career to helping achieve the dreams of immigrants and their families. He consistently fights for immigrants rights to live and work in the U.S. Mr. Kent is an active member of the American Immigration Lawyers Association. Based in Orange County, immigration attorney William Kent assists immigrants in obtaining employment based and family based immigration petitions such as H-1B, L1, TN, Green Card, Fiance, Marriage green cards, PERM Labor Certification, and investor visas. Global Law Centers boasts a 95% approval rating on employment and family petitions filed. Mr....
Leon Bayer
Claimed Lawyer ProfileQ&A
Long Beach, CA Bankruptcy Attorney with 39 years experience
(800) 477-3111 4326 Atlantic Ave
Long Beach, CA 90807
Free ConsultationBankruptcy and Consumer
University of LaVerne College of Law
Leon Bayer Leon Bayer has successfully represented clients in bankruptcy for over 37 years. He is frequently called upon by the media, the California Bar and other associations to provide insight and help educate attorneys on bankruptcy issues.
Gregory Mark Shanfeld
Claimed Lawyer ProfileSocial Media
Long Beach, CA Bankruptcy Attorney with 25 years experience
(562) 888-5114 3780 Kilroy Airport Way, Suite 200
Long Beach, CA 90806
Free ConsultationBankruptcy, Estate Planning, Foreclosure Defense and Real Estate
University of Southern California Gould School of Law
As a founding partner at the firm Wadhwani & Shanfeld, Southern California lawyer Greg Shanfeld offers counsel to debtors from all walks of life. Mr. Shanfeld began his legal career in the year 1994, and has practiced in both California and Texas. On the website Avvo.com, he has been recognized with a rating of 8.6 Excellent. He is a graduate of UCLA and the USC Law School. To learn more information about his firm, contact the firm today.
Michael Jay Berger
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
333 City Boulevard West
Orange, CA 92868
Free ConsultationOrange, CA Bankruptcy Lawyer with 37 years experience
Bankruptcy, Appeals, Collections and Foreclosure Defense
University of California Hastings College of the Law
Serving Los Angeles, Beverly Hills, San Fernando Valley, Santa Ana, Santa Barbara and Riverside. I am a Certified Specialist in Bankruptcy Law. I am an "AV"* rated attorney with 37 years of experience in solving bankruptcy problems. I am a Mensa certified genius with a strong ability to analyze and solve problems. If you are being hounded by creditors, I can legally erase your debts and get you a fresh start. If your business needs reorganization, I can give you protection from your creditors while you reorganize. If you have a claim against an individual or company that has filed...
Christine A. Wilton
Claimed Lawyer ProfileSocial Media
Huntington Beach, CA Bankruptcy Attorney with 11 years experience
(877) 631-2220 5011 Argosy Avenue, Suite 3
Huntington Beach, CA 92649
Free ConsultationBankruptcy
Pacific Coast University School of Law and Southwestern Law School
Ms. Kingston has been licensed to practice law since 2008 and is in private practice at her firm Law Office of Christine A. Kingston. She received her Juris Doctor from Pacific Coast University School of Law (2005), and undergraduate degree from California State University, Long Beach (B.A. 1989), where she studied Speech Communication. She is admitted to practice law in California and before the United States District Court, Central District. Recent Results: 2012: Schaffer v. ECMC we won at trial, discharging more than $57,000 in student loans. Case no. 2:11-ap-01878-RN. In 2010, she reached a settlement against Litton...
Marc Aaron Goldbach
Claimed Lawyer ProfileBlawgsearchSocial Media
Whittier, CA Bankruptcy Attorney with 30 years experience
(562) 696-0582 6528 Greenleaf Ave Ste 210
Whittier, CA 90601
Free ConsultationBankruptcy, Criminal, Employment and Personal Injury
Southwestern University School of Law
For more then 2 decades, Mr. Marc Aaron Goldbach has worked tirelessly to develop a successful bankruptcy and civil law practice for clients located throughout Los Angeles County. Whether his clients are facing insurmountable debt, foreclosure, serious felony charges, immigration or other legal issues such as personal injuries, workplace harassment, family and medical leave act violations, whistle blowing and retaliation, consumer law, criminal defense they can be rest assured that Marc Aaron Goldbach will take all steps necessary to fight for their legal rights to protect their interests. Marc Goldbach has represented many legal cases with 100% success...
Zachary James McCready
Claimed Lawyer ProfileSocial Media
Santa Ana, CA Bankruptcy Attorney with 12 years experience
(714) 785-9978 2333 N Broadway
Suite 230
Santa Ana, CA 92706
Free ConsultationBankruptcy, Criminal and DUI
Whittier Law School
I was a police officer with the LAPD for 8 years. I did hundreds of DUI arrests, domestic violence arrests, drug possession arrests, fugitive warrant arrests, etc.
I also testified in numerous cases.

I have been practicing law since June of 2017. During that time, I have focused my career on criminal defense and DUI cases. I also do chapter 7 bankruptcy cases, immigration cases, debt settlements, and civil litigation.

I have testified in over a dozen trials as an expert witness on the Standardized Field Sobriety tests which are used in almost all DUI arrests.

I have taken many cases to trial and...
Nicholas Watts Gebelt
Claimed Lawyer ProfileSocial Media
Whittier, CA Bankruptcy Lawyer with 18 years experience
(562) 777-9159 15150 Hornell St
Whittier, CA 90604
Bankruptcy
University of Virginia School of Law
As a Board Certified Bankruptcy Specialist, I understand the subtleties of bankruptcy law and can help you avoid unnecessarily losing your assets. Whether you are struggling with personal debt or own a business that is experiencing financial troubles, you can rely on my skill and expertise to guide you through your Chapter 7, 11, or 13 bankruptcy. I am extremely detail-oriented and thorough. I emphasize pre-petition planning as a way of avoiding post-petition problems. I stand up for your rights against debt collectors and hold creditors accountable for their actions when they violate the law. Most importantly, I care about...
Bahram Madaen
Claimed Lawyer ProfileQ&A
Anaheim, CA Bankruptcy Attorney with 15 years experience
(888) 266-1138 2400 E Katella Ave
Anaheim, CA 92806
Free ConsultationBankruptcy, Family and Real Estate
Southwestern University School of Law
Attorney Madaen has been active in litigation whether in Bankruptcy, real estate, or contract litigation since becoming attorney in February of 2004. He attended California State University Los Angeles for his undergrad school in international business and economy. He have been constantly in trade and business and he was the owner of several businesses. He speaks Spanish and Farsi. He strive to give the best services to clients.
Peter L. Lago
Claimed Lawyer Profile
Downey, CA Bankruptcy Lawyer with 42 years experience
(562) 861-1810 8350 E. Florence Ave., #200
Downey, CA 90240
Free ConsultationBankruptcy, Estate Planning, Foreclosure Defense and Insurance Claims
Whittier Law School
In practice since 1977. Practice currently limited to Living Trusts.
Diana Kaye Zilko
Claimed Lawyer Profile
Brea, CA Bankruptcy Attorney with 22 years experience
(714) 256-1200 110 W. Fir Street
Brea, CA 92821
Free ConsultationBankruptcy, Divorce, Estate Planning and Family
Western State College of Law at Argosy University
Lorrie Anne Walton
Claimed Lawyer Profile
Anaheim, CA Bankruptcy Attorney with 27 years experience
(714) 978-9988 2300 E Katella Ave
Anaheim, CA 92806
Bankruptcy and Criminal
Western State Univ COL
Hugh Douglas Whittemore
Claimed Lawyer Profile
Fullerton, CA Bankruptcy Attorney with 34 years experience
(714) 870-9167 246 W Commonwealth Ave
Fullerton, CA 92832
Bankruptcy, DUI, Divorce and Family
Western State Univ: Fullerton CA and Western State University College of Law
Christine A. Kingston
Claimed Lawyer ProfileSocial Media
Huntington Beach, CA Bankruptcy Attorney with 11 years experience
(714) 533-9210 5011 Argosy Avenue
Suite 3
Huntington Beach, CA 92649
Bankruptcy
Pacific Coast University School of Law, Long Beach, CA
Ms. Kingston has been licensed to practice law since 2008 and is in private practice at her firm Law Office of Christine A. Kingston. She received her Juris Doctor from Pacific Coast University School of Law (2005), and undergraduate degree from California State University, Long Beach (B.A. 1989), where she studied Speech Communication. She is admitted to practice law in California and before the United States District Court, Central District. Recent Results: 2012: Schaffer v. ECMC we won at trial, discharging more than $57,000 in student loans. Case no. 2:11-ap-01878-RN. In 2010, she reached a settlement against Litton...
Keith Nguyen
Claimed Lawyer ProfileSocial Media
Garden Grove, CA Bankruptcy Lawyer
(888) 836-2396 12966 South Euclid Street
Suite 310
Garden Grove, CA 92840
Bankruptcy
With offices in both Rancho Cucamonga and Riverside, Atlantis Law Firm proudly offers services to individuals and families who are facing financial struggles. The attorneys specialize in providing services in various bankruptcy-related matters including debt settlement, foreclosure defense, loan modifications, wage garnishment/ bank levy, and credit restoration. The firm is led by Attorney Keith Q. Nguyen, Esq. and Attorney Andy Nguyen, Esq. Attorney Keith Q. Nguyen earned his Bachelor’s degree in Economics and History from UCLA, and his Master’s degree in Education from the University of Nevada, Las Vegas. He then received his Juris Doctorate from the American University, Washington...
James Hong
Claimed Lawyer ProfileSocial Media
Fullerton, CA Bankruptcy Lawyer
(714) 738-5098 1370 N. Brea Blvd
Suite 217
Fullerton, CA 92835
Free ConsultationBankruptcy and Estate Planning
Trinity Law School and Chapman University Fowler School of Law
Justin M. Betance
Claimed Lawyer Profile
Huntington Beach, CA Bankruptcy Attorney with 4 years experience
(714) 642-1322 7777 Center Ave Ste 450
Huntington Beach, CA 92647
Free ConsultationBankruptcy, Business, Estate Planning and Real Estate
Northwestern California University
Stirling Jay Hopson
Claimed Lawyer Profile
Fullerton, CA Bankruptcy Lawyer with 27 years experience
(714) 449-7705 801 E Chapman Ave
Fullerton, CA 92831
Bankruptcy, Criminal and DUI
American COL
VanMai Hoang Nguyen
Claimed Lawyer Profile
Westminster, CA Bankruptcy Lawyer
(714) 839-3991 10495 Bolsa Ave
Westminster, CA 92683
Bankruptcy
Christian Cooper
Claimed Lawyer Profile
Long Beach, CA Bankruptcy Lawyer
(562) 999-4880 5247 E. The Toledo, Suite A
Long Beach, CA 90803-1888
Bankruptcy
Todd Becker
Claimed Lawyer Profile
Long Beach, CA Bankruptcy Lawyer
(562) 495-1500 3750 East Anaheim Street
Long Beach, CA 90804
Bankruptcy and Personal Injury
Mr. Becker has earned a national reputation as an exceptional attorney adept at handling business, international, personal injury, and bankruptcy law matters of all sizes and levels of complexity.
Don Brand
Claimed Lawyer Profile
Long Beach, CA Bankruptcy Attorney
(562) 438-7500 3836 East Anaheim Street
Long Beach, CA 90804
Bankruptcy
Dennis Edward McGoldrick
Claimed Lawyer ProfileSocial Media
Torrance, CA Bankruptcy Lawyer with 38 years experience
(310) 328-1001 21250 Hawthorne Blvd
Ste 700
Torrance, CA 90503
Bankruptcy and Arbitration & Mediation
Loyola Law School
• Dennis McGoldrick has limited his practice to bankruptcy and insolvency since 1982. • Dennis McGoldrick was a panel bankruptcy trustee from 1986 to 1991 - administering over 10,000 cases • Dennis McGoldrick has completed Bankruptcy Mediator training and now is on the panel of Bankruptcy Mediators for the Central District of California. • Dennis McGoldrick is a Certified Specialist in Bankruptcy, certified by the Board of Legal Specialization of the State Bar of California. • Dennis McGoldrick is a founder, and was the first president of the Central District Consumer Bankruptcy Attorneys Association. • Dennis McGoldrick served on the State Bar Bankruptcy Specialty...
Joseph Wilson
Claimed Lawyer ProfileQ&ASocial Media
Newport Beach, CA Bankruptcy Attorney with 17 years experience
(949) 397-2292 1401 Dove Street
Suite 630
Newport Beach, CA 92660
Bankruptcy, Criminal, Tax and White Collar Crime
University of San Diego and James E. Rogers College of Law, University of Arizona
Mr. Wilson is a former Federal Prosecutor, IRS Attorney and FTB Attorney. Mr. Wilson is the managing partner at the Wilson Tax Law Group, which is a law firm serving the Newport Beach and Yorba Linda areas that specializes in civil audits and criminal tax matters, involving federal and state tax authorities. The firm represents taxpayers during civil audits, administrative appeals, all phases of collection, judicial proceedings in all trial and appellate courts. The firm handles a wide variety of matters including international compliance and offshore banking matters. The firm is headed by Mr. Wilson, whose impressive background includes...
Victor J. Yoo
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
Long Beach, CA Bankruptcy Lawyer with 25 years experience
(888) 553-8000 400 Oceangate 8th Floor
Long Beach, CA 90802
Bankruptcy, Business, Estate Planning and Tax
Southwestern University School of Law
Mr. Yoo's practice focuses on tax and bankruptcy litigation. He has represented clients in both criminal and civil cases against the California Franchise Tax Board, State Board of Equalization and Employment Development Department and Internal Revenue Service (IRS). He has handled matters including IRS and sales tax audits, tax fraud investigations, Report of Foreign Bank and Financial Accounts (FBAR) and innocent spouse claims. Mr. Yoo also represents debtors and creditors in Chapter 7, 11 & 13 bankruptcy proceedings, including tax bankruptcy cases.
Matthew David Resnik
Claimed Lawyer ProfileBlawgsearchSocial Media
Los Angeles, CA Bankruptcy Attorney with 23 years experience
(213) 669-3055 510 W. Sixth Street
Suite 1220
Los Angeles, CA 90014
Free ConsultationBankruptcy, Business, Consumer and Real Estate
Univ of West Los Angeles
Matthew Resnik received his Juris Doctorate in 1996. Matthew Resnik has dedicated his legal career exclusively to Consumer Bankruptcy, representing financially distressed individuals against their creditors. Dedicated to equalizing the playing field between consumers and creditors, Matthew Resnik founded Simon Resnik LLP in 2003.

Matthew Resnik has served as a keynote speaker at numerous seminars relating to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Matthew Resnik is a member of Los Angeles County Bar Association, Beverly Hills Bar Association, and actively involved in the National Association of Consumer Bankruptcy Attorneys (“NACBA”) and the local Central District Consumer Bankruptcy...
Aaron Michael Lloyd
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Santa Ana, CA Bankruptcy Lawyer with 4 years experience
(949) 544-9355 204 E 4th Street, Suite J
Santa Ana, CA 92701
Free ConsultationBankruptcy
California Western School of Law
Lloyd Legal is a premier Southern California Chapter 7 and Chapter 13 Bankruptcy Law Firm founded by Attorney Aaron Lloyd. Prior to practicing law, Mr. Lloyd attended the University of Oregon (UO) with a Bachelor of Science. He earned dual degrees in Economics and General Science, and minored in Chemistry.

Following undergrad, Mr. Lloyd went on to work for Thomson Reuters as a Senior Tax Analyst. Mr. Lloyd later attended California Western School of Law where he developed a strong passion for bankruptcy law. During law school, Mr. Lloyd gained valuable bankruptcy experience interning for various bankruptcy law firms. After earning...
Timothy George McFarlin
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Lawyer with 17 years experience
(949) 544-2640 4 Park Plaza
Ste 1025
Irvine, CA 92614
Bankruptcy, Business, Foreclosure Defense and Real Estate
University of California, Davis, School of Law
At McFarlin LLP Our unique practice can offer you:
$0 Down bankruptcy options (just pay filing fee);
Stop Creditor Harassment Today
Help Restoring Your Credit Free
Stop Foreclosure
Eliminate Debt
Discharge Private Student Loans
Mark J Markus
Claimed Lawyer ProfileSocial Media
Los Angeles, CA Bankruptcy Lawyer with 28 years experience
(213) 290-2894 355 S. Grand Ave. Ste. 2450
Los Angeles, CA 90071
Free ConsultationBankruptcy
University of Arizona
I have been practicing exclusively bankruptcy law in California since 1991. I am a Certified Specialist in Bankruptcy Law with the State Bar of California Board of Legal Specialization, AV-Rated by Martindale.com and A+ rated by the Better Business Bureau. My firm is designed to give personalized service to my clients, doing this right the first time.
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Bankruptcy Lawyers in Nearby Cities

Bankruptcy Lawyers in Nearby Counties

La Palma Bankruptcy Legal Aid & Pro Bono Services

Legal Aid Society of Orange County
(714) 571-5245
Santa Ana, CA


Legal Aid Foundation of Los Angeles
(213) 640-3883
Los Angeles, CA

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Considering Bankruptcy?

Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.

If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.

Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.

Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.


Automatic stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.

Unsecured claim: A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.