Loleta, California Bankruptcy Lawyers

Dustin Edward Owens
Claimed Lawyer Profile
Eureka, CA Bankruptcy Lawyer with 12 years experience
(707) 441-1185 Metzger & Owens, Attorneys at Law
707 K St
Eureka, CA 95501
Bankruptcy, Business and Collections
Hofstra Univ School of Law
Eureka, CA Bankruptcy Attorney with 24 years experience
(707) 442-7262 350 E St
Eureka, CA 95501
Bankruptcy and Consumer
McGeorge School of Law Univ of the Pacific
Eureka, CA Bankruptcy Lawyer with 30 years experience
(707) 441-1185 707 K St
Eureka, CA 95501
Bankruptcy, Divorce and Family
UC Berkeley School of Law Boalt Hall
Eureka, CA Bankruptcy Lawyer with 54 years experience
(707) 443-6386 307 N St
Eureka, CA 95501
Bankruptcy, Personal Injury and Real Estate
Lincoln COL
McKinleyville, CA Bankruptcy Attorney with 31 years experience
(707) 839-1400 1293 Chaparral Ave
McKinleyville, CA 95519
Bankruptcy, Criminal, DUI and Divorce
UC Berkeley School of Law Boalt Hall
Amy Spencer-Martyn
Claimed Lawyer Profile
Redding, CA Bankruptcy Lawyer
(530) 244-0300 2201 Court Street
Redding, CA 96001
Free ConsultationBankruptcy
CalNorthern School Of Law
Michael David Raysor
Claimed Lawyer ProfileSocial Media
Redding, CA Bankruptcy Attorney with 9 years experience
(530) 276-0600 1558 West Street, Suite 1
Redding, CA 96001
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Golden Gate University School of Law
Michael D. Raysor was born and raised in rural Shasta County, California. He is the son of a forester and a horticulturalist. He maintains a large vegetable garden and a small orchard with the goal of becoming self sufficient. Mr. Raysor is a graduate of West Valley High School and Shasta College. In 2000, he moved to the Bay Area to attend UC Berkeley, where he earned a Bachelor of Arts degree with majors in Economics and History. In 2008, Mr. Raysor graduated from Golden Gate School of Law in San Francisco, where he earned a joint...
(530) 727-6262 645 Antelope Blvd., Suite 15
Red Bluff, CA 96080
Samuel C. Williams
Claimed Lawyer ProfileSocial Media
Redding, CA Bankruptcy Attorney with 2 years experience
(530) 255-8171 1263 California Street
Redding, CA 96001
Free ConsultationBankruptcy and Criminal
I grew up in the rural farming community of Manton, CA. The people in my hometown were not only economically disadvantaged, but legally disadvantaged as well. I saw the lives of those I cared about destroyed when they were unable to afford proper legal representation. As I grew to understand their struggle, I wanted to help.

After more than 20 years working in the legal profession, I have opened my own practice here in Redding, to serve the area that I love. With the support of my wife and two daughters, I look forward to providing assistance to those in...
Jeffrey Scott Ogilvie
Claimed Lawyer Profile
Redding, CA Bankruptcy Attorney with 26 years experience
(530) 241-1100 1330 West St.
Redding, CA 96001
Bankruptcy, Estate Planning, Family and Tax
CAL Northern School of Law
Patricia Joan Johnson
Claimed Lawyer Profile
Redding, CA Bankruptcy Attorney with 32 years experience
(530) 247-7285 1755 Yuba St
Redding, CA 96001
Bankruptcy and Social Security Disability
Golden Gate Univ School of Law
Please come to see me before you need me. Always free consultations. You will work one-on-one with me. Outside of the office I spend a lot of time gardening and with my pets-a Basset and an American Shepard, which is a smaller version of the Australian Shepard. I also have 7 cats, six are Siamese-Balinese type and one old tiger striped I rescued. I moved to this area in 1999 from the Bay Area where i grew up.
Bruce C Dwiggins
Claimed Lawyer ProfileSocial Media
Redding, CA Bankruptcy Attorney
(530) 638-4445 1901 Park Marina Drive
Redding, CA 96001
Free ConsultationBankruptcy
At Dwiggins Bankruptcy Law we have many years of experience assisting Redding, California and the surrounding area's families and individuals achieve vital debt relief. Bruce Dwiggins, owner and lead bankruptcy attorney can help in stopping foreclosures, lifting bank levies and wage garnishments, stopping repossession and more through a Chapter 7 or Chapter 13 bankruptcy. Let us help you in understanding your options to file for bankruptcy relief under the Bankruptcy Code. Call today for a free bankruptcy consultation.
Rupert William Corkill
Claimed Lawyer Profile
Redding, CA Bankruptcy Lawyer with 20 years experience
(530) 209-9593 2138 Court Street
Redding, CA 96001
Bankruptcy, Estate Planning and Family
Univ of Tulsa COL
Redding, CA Bankruptcy Attorney with 42 years experience
(530) 221-7300 280 Hemsted Drive
Suite B
Redding, CA 96002
Bankruptcy
U of San Francisco School of Law
Fort Bragg, CA Bankruptcy Lawyer with 36 years experience
700 S Franklin St
Fort Bragg, CA 95437
Bankruptcy, Criminal and Personal Injury
Southwestern Univ School of Law
Redding, CA Bankruptcy Lawyer with 40 years experience
(530) 244-6007 1901 Court St
Redding, CA 96001
Bankruptcy and Collections
USC Law School
Redding, CA Bankruptcy Attorney with 41 years experience
(530) 224-1133 1805 Hilltop Dr
Redding, CA 96002
Bankruptcy
Western State Univ
Redding, CA Bankruptcy Lawyer with 30 years experience
(530) 241-3565 1370 West St
Redding, CA 96001
Bankruptcy, Consumer, Divorce and Family
Redding, CA Bankruptcy Attorney with 20 years experience
(530) 243-0317 1416 West St
Redding, CA 96001
Bankruptcy and Business
Redding, CA Bankruptcy Attorney
(530) 246-0300 1650 Oregon St
Suite 116
Redding, CA 96001
Bankruptcy, Arbitration & Mediation, Civil Rights and Criminal
Redding, CA Bankruptcy Attorney with 23 years experience
(530) 244-1301 532 Turquoise Ct
Redding, CA 96003
Bankruptcy
American COL
David S. Shevitz
Claimed Lawyer ProfileSocial Media
Los Angeles, CA Bankruptcy Lawyer with 7 years experience
(213) 863-0183 3435 Wilshire Blvd
Ste 2920
Los Angeles, CA 90010
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
Loyola Law School, Los Angeles
Mr. Shevitz is an experienced bankruptcy attorney. He is certified as a Bankruptcy Specialist by the State Bar of California, Board of Legal Specialization. His practice focuses on business reorganizations, individual debtor representation, and creditor representation in bankruptcy proceedings and related business litigation matters. Between 2011 and 2015, David was an attorney at a boutique bankruptcy firm where he represented individuals and businesses in Chapters 7, 11 and 13 as well related business litigation matters. During law school, David served as a legal intern for the Honorable Sheri Bluebond, US Bankruptcy Court for the Central District...
Leon Bayer
Claimed Lawyer ProfileQ&A
Encino, CA Bankruptcy Attorney with 38 years experience
(800) 477-3111 16055 Ventura Blvd, Suite 811
Encino, CA 91436
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.
(800) 477-3111 4326 Atlantic Ave
Long Beach, CA 90807
(213) 629-8801 1055 Wilshire Blvd, Suite 1900
Los Angeles, CA 90017
Peter Maurice Lively
Claimed Lawyer ProfileQ&ASocial Media
Culver City, CA Bankruptcy Attorney with 25 years experience
(310) 391-2400 11268 Washington Blvd Ste 203
Culver City, CA 90230
Free ConsultationBankruptcy, Business and Real Estate
University of California - Los Angeles
Law office of Peter M lively helps individuals and businesses resolve financial problems particularly settling debts in obtaining debt relief under the United States Bankruptcy Code as debt relief agents 25 years experience in over 5000 satisfied clients. Mr. Lively obtained his JD MBA from UCLA in 1982 and was inducted as a Fellow in the American College of Bankruptcy in 2014. Mr. Lively served as President of the Central District of California Consumer Debtors Attorneys Association (cdcbaa) in 2017 after serving on the Board of Directors for the prior 10 years. Mr. Lively regularly lectures to...
Reno F.R. Fernandez III
Claimed Lawyer ProfileQ&ASocial Media
San Francisco, CA Bankruptcy Lawyer with 10 years experience
(415) 362-0449 221 Sansome Street
San Francisco, CA 94104
Bankruptcy and Business
Golden Gate University School of Law
Macdonald Fernandez LLP focuses on business bankruptcy, reorganization and commercial litigation, including receiverships and assignments for the benefit of creditors, throughout California and pro hac vice in Delaware, the Southern District of New York. – Our clients range from enterprises with assets or amounts in controversy exceeding $100 million to small businesses, including technology companies, biotechnology companies, startups, Bitcoin-based companies, mortgage funds, national and regional banks, retail chains, medical clinics, residential care facilities for the elderly, farms, wineries, restaurants, churches, real estate developers and manufacturers. – In one example, we imposed a receivership over an operating almond reprocessing...
Manuel Alzamora Juarez
Claimed Lawyer ProfileQ&ASocial Media
Berkeley, CA Bankruptcy Lawyer with 19 years experience
(510) 206-4492 2143 Cedar St., Suite 200
Berkeley, CA 94709
Free ConsultationBankruptcy, Landlord Tenant and Personal Injury
San Francisco Law School
Engish Spoken! - manueljuarez.com

Manuel Juarez es el Abogado de Derechos de Inquilinos en el area de la Bahia. Defiende a inquilinos contra el abuso de propietarios propotentes. El Abogado Juarez es litigador de problemas de viviendas inhabitables, casas sin calenton, incendios de apartmentos, casas, edificios, apartmentos sin calefaccion y mal mantenidos, viviendas defectuosas y evicciones retaliatorias. Si Ud. tiene problemas con su calenton, ducha, o ha sufrido una caida en el piso de su ducha. O su vivienda esta infestada con ratas, cucarachas o chinches, llame al Abogado Defensor de Renteros, Manuel A. Juarez. El defendera sus derechos de inquilino.en...
Eric Morgan Boeing
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 11 years experience
(510) 761-6230 1300 Clay St, Ste 600
Oakland, CA 94612
Free ConsultationBankruptcy, Consumer and Estate Planning
UC Hastings COL
I believe that the Bankruptcy Court is one of the few places in out legal system where ordinary people can go for real relief. I am dedicated to helping people throughout the Bay Area access that relief. I earned my undergraduate degree at the University of Illinois in Urbana-Champaign, and I earned my law degree at the University of California, Hastings College of the Law in San Francisco. While in law school, I was Articles Editor at the Hastings International and Comparative Law Review, and I graduated in 2006. I spent my first two years practicing antitrust/consumer...
Gary Ray Fraley
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 40 years experience
(800) 675-1005 1401 El Camino Ave
Suite 370
Sacramento, CA 95815
Free ConsultationBankruptcy
UCLA School of Law
I am California State Bar CERTIFIED Bankruptcy Law Specialist with a Perfect 10.0 Avvo Rating. I give a FREE credit rebuilding educational program for all my Chapter 7 Bankruptcy Clients ($1,000 value.) No other attorney does that for free. I have been helping clients just like you solve their debt problems for 37 years. I will give you a Free 1 hour bankruptcy attorney consultation. You will get real, usable information about ALL your options and answers to all your questions, without the high pressure sales pitch. My fees are reasonable and are based on...
Gregory Mark Shanfeld
Claimed Lawyer ProfileSocial Media
Lancaster, CA Bankruptcy Attorney with 24 years experience
(661) 214-3950 45024 10th Street West, Suite 101
Lancaster, CA 93534
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.
(818) 839-2487 15233 Ventura Blvd, Suite 1000
Sherman Oaks, CA 91403
(562) 888-5114 3780 Kilroy Airport Way, Suite 200
Long Beach, CA 90806
(909) 543-0947 3200 East Guasti Road, Suite 100
Ontario, CA 91761
(213) 550-5090 445 South Figueroa Street, Suite 2600
Los Angeles, CA 90071
Julie S Levy
Claimed Lawyer ProfileSocial Media
Santa Rosa, CA Bankruptcy Attorney with 10 years experience
(707) 523-1515 100 Stony Point Road
Suite 265
Santa Rosa, CA 95401
Free ConsultationBankruptcy, Estate Planning, Family and Personal Injury
Empire College School of Law
Julie S. Levy and Zachary A. Carroll have practiced law since 2008 in solo practices. In 2009, they began sharing an office and collaborating on certain cases. This duo has turned their collaboration into Levy Carroll Law and as strong litigators, they provide a strong and determined focus for fair outcomes in their client's cases. Choose Levy Carroll Law for their strong, honest, caring representation for bankruptcy, divorce, custody, guardianship, or personal injury. Look no further as you have found a team that has your best interests at heart
Matthew Lee Spiegel
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
San Diego, CA Bankruptcy Lawyer with 13 years experience
(619) 338-0022 109 W. C St.
Suite C
San Diego, CA 92101
Free ConsultationBankruptcy, DUI, Domestic Violence and Nursing Home
Thomas Jefferson School of Law
Matthew Spiegel, San Diego's Experienced and Proven Criminal Attorney Spiegel, founder of Spiegel Law Group, is one of San Diego's best and most respected criminal lawyers. With over 750 criminal cases handled, Matthew has turned himself into an aggressive and skilled criminal attorney. Mr. Spiegel has defended clients in all types of criminal cases. He has defended over 750 clients, including defendants facing charges of murder, assault with a deadly weapon, drug possession, robbery, burglary, sex crimes, and much more. Matthew has also defended more than 400 DUI clients. His experience in the courtroom has helped him to become a...
Dennis Edward McGoldrick
Claimed Lawyer ProfileSocial Media
Torrance, CA Bankruptcy Lawyer with 37 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...
Michael Jay Berger
Claimed Lawyer ProfileQ&ASocial Media
6320 Canoga Avenue 15th Floor
Woodland Hills, CA 91367
Free ConsultationWoodland Hills, CA Bankruptcy Lawyer with 36 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 36 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...
515 South Flower Street, 36th Floor
Los Angeles, CA 90071
11801 Pierce Street Suite 200
Riverside, CA 92505
333 City Boulevard West
Orange, CA 92868
(310) 271-6223 9454 Wilshire Blvd. 6th Floor
Beverly Hills, CA 90212-2929
Troy Werner
Claimed Lawyer ProfileSocial Media
Bakersfield, CA Bankruptcy Lawyer with 8 years experience
(800) 752-9937 4900 California Ave., Tower B-210
Bakersfield, CA 93309
Free ConsultationBankruptcy, Estate Planning, Personal Injury and Probate
Southwestern Law School
An Ivy League graduate, Troy Werner has been an indispensable asset to The Werner Law Firm, providing exceptional legal service to its clients. Troy has won numerous awards during his tenure as an attorney, including being recognized with an award as one of the Top 40 individuals under 40 in the community. Troy Werner continues the tradition of excellence in the firm. His father L. Rob Werner, founder of The Werner Law Firm, ranks among the most experienced lawyers in California. Starting the Law Offices of L. Rob Werner in 1975, the Werners have built it into the...
(888) 630-9902 27257 1/2 Camp Plenty Rd.
Santa Clarita, CA 91351
(800) 752-9937 2655 First Street, Suite 250
Simi Valley, CA 93065
(800) 752-9937 225 S. Lake Ave., Suite 300
Pasadena, CA 91101
(800) 752-9937 1672 W. Ave J, Suite 207
Lancaster, CA 93534
(800) 752-9937 515 S. Flower Street, 36th Floor
Los Angeles, CA 90071
(800) 752-9937 15760 Ventura Blvd., Suite 700
Encino, CA 91436
Dolores Contreras
Claimed Lawyer ProfileSocial Media
San Diego, CA Bankruptcy Lawyer with 10 years experience
(619) 908-1495 402 West Broadway #1200
San Diego, CA 92101
Free ConsultationBankruptcy, Business and Real Estate
California Western School of Law
Dolores Contreras is a decorated San Diego business lawyer with multiple awards and nominations under her belt, including the National Business Woman Association Entrepreneur of the Year Award and finalist for San Diego Magaizine's Woman of the Year. Her accomplishments and dedication to every client has lead to a successful career representing clients in business litigation, business transactions, real estate law and bankruptcy. Ms. Contreras is fluent in both English and Spanish and her expertise in cross-border litigation has made her a strong voice in the Spanish speaking community.
Mr Vincent A. Gorski
Claimed Lawyer ProfileSocial Media
Bakersfield, CA Bankruptcy Attorney with 11 years experience
(661) 952-9740 The Gorski Firm, APC
309 Truxtun Avenue
Bakersfield, CA 93301
Free ConsultationBankruptcy, Collections, Divorce and Family
Indiana University Robert H. McKinney School of Law
Vincent Gorski practices in the areas of bankruptcy, family law, and business law. He is a certified bankruptcy specialist by the State Bar of California Board of Legal Specialization. He handles routine and complex bankruptcy, family law/divorce, and business matters. He serves as a Chapter 7 bankruptcy trustee for the Bankruptcy Court for the Eastern District of California.
Sally J. Elkington
Claimed Lawyer ProfileQ&ASocial Media
Oakland, CA Bankruptcy Lawyer with 28 years experience
(510) 465-0404 409 13th street, 10th Floor
The Historic Tribune Tower
Oakland, CA 94612
Free ConsultationBankruptcy
New College School of Law of California
Sally Elkington and James Shepherd are partners at Elkington Shepherd LLP. We file chapters 7, 11, and 13 bankruptcies. We represent Creditors on a case by case basis. We prosecute and defend lawsuits that are filed in Bankruptcy Court. Both of us are "hands on" attorneys. You will deal with us directly on your matter. Between the two of us we have over 40 years of bankruptcy experience. Our office is located in downtown Oakland with ample parking and 1/2 block from BART. Remember, Bankruptcy is not an end, it is a...
Pauldeep Bains
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Attorney with 8 years experience
(916) 800-7690 180 Promenade Circle
Suite 300
Sacramento, CA 95834
Free ConsultationBankruptcy
Thomas Jefferson School of Law
Sacramento Bankruptcy Lawyer was formed by local Sacramento bankruptcy attorney Pauldeep Bains with the specific intent of delivering impeccable personal service to all clients while utilizing a streamlined process to promote efficiency and a stress-free atmosphere. When contacting Sacramento Bankruptcy Lawyer, you will deal directly with Mr. Bains from the initial consultation all the way through the completion of your Bankruptcy case. Your case will not be handed off to a paralegal or staff member at any point during your case. Mr. Bains’ philosophy is to provide a personalized, hands-on attorney-client relationship in a detailed, logical, and respectful manner. ...
(916) 800-1406 915 Highland Pointe Dr
Ste 250
Roseville, CA 95678
Anthony R. Girgis
Claimed Lawyer ProfileSocial Media
Encino, CA Bankruptcy Attorney with 11 years experience
(818) 986-5000 16055 Ventura Blvd.
Suite 1212
Encino, CA 91436
Free ConsultationBankruptcy and Personal Injury
Whittier Law School
After receiving his bachelor’s degree from U.C.L.A., Anthony Girgis went on to obtain his Juris Doctorate degree from Whittier Law School. After passing the California Bar exam, Mr. Girgis has concentrated his practice in automobile accident injuries and Chapter 7 consumer bankruptcies. Mr. Girgis is admitted to practice law in the state of California. The Girgis Law Firm prides itself in offering excellent customer service and meeting the goals of its clients. Mr. Girgis offers a free one-on-one consultation with all potential clients to determine the best course of action based on the...
Joseph Wilson
Claimed Lawyer ProfileQ&ASocial Media
Yorba Linda, CA Bankruptcy Attorney with 16 years experience
(714) 463-4430 18032 Lemon Drive
Suite C609
Yorba Linda, CA 92886
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...
(949) 397-2292 1401 Dove Street
Suite 630
Newport Beach, CA 92660
(714) 463-4430 18281 Lemon Drive
Yorba Linda , CA 92886
David S. Greenberg
Claimed Lawyer ProfileQ&ASocial Media
San Diego, CA Bankruptcy Lawyer with 44 years experience
(619) 501-5251 1550 Hotel Cir N
#220
San Diego, CA 92108
Free ConsultationBankruptcy and Tax
University of San Diego School of Law
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Bankruptcy Lawyers in Nearby Cities

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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.