Mount Aukum, California Bankruptcy Lawyers

Candace Y. Brooks
PREMIUM

Dedicated and experienced bankruptcy attorney. Call for a free consultation!

I’m an experienced Sacramento bankruptcy lawyer and am passionate about helping individuals who are in need of debt relief. My practice includes all types of bankruptcy cases, including Chapter 7 and Chapter 13. Read More »
10.0Justia Lawyer Rating for Candace Y. Brooks View Profile
Seth L. Hanson
PREMIUM

California Bankruptcy Attorney with 18 years experience

At my firm, bankruptcy is all we do. By focusing just on bankruptcy, we are able to keep our skills sharp and maintain great relationships with the local bankruptcy trustees and bankruptcy judges. Those relationships... Read More »
10.0Justia Lawyer Rating for Seth L. Hanson View Profile
Debora Paul
Claimed Lawyer Profile
Cameron Park, CA Bankruptcy Lawyer with 26 years experience
(530) 409-7772 4120 Cameron Park Drive
Suite 102
Cameron Park, CA 95682
Free ConsultationBankruptcy and Estate Planning
Western State University College of Law
David Foyil
Claimed Lawyer Profile
Sutter Creek, CA Bankruptcy Attorney with 25 years experience
(209) 223-5363 18 Bryson Dr
Sutter Creek, CA 95685
Bankruptcy
Michael Thomas McEnroe
Claimed Lawyer Profile
AMADOR CITY, CA Bankruptcy Attorney with 44 years experience
(209) 267-1381 14204 Main St. (Historic Hwy. 49)
Suite 5
AMADOR CITY, CA 95601
Free ConsultationBankruptcy
University of the Pacific, McGeorge School of Law
Chris Wrabel Esq.
Claimed Lawyer Profile
El Dorado Hills, CA Bankruptcy Lawyer
(916) 789-9810 5137 Golden Foothill Pkwy.
Suite 110
El Dorado Hills, CA 95762
Bankruptcy
Cameron Park, CA Bankruptcy Lawyer with 39 years experience
(530) 676-8041 3420 Coach Ln #8
Cameron Park, CA 95682
Bankruptcy, Arbitration & Mediation, Civil Rights and Divorce
Placerville, CA Bankruptcy Attorney with 43 years experience
(530) 626-6441 2744 Coloma St
Placerville, CA 95667
Bankruptcy
San Fernando Valley College of Law
Jackson, CA Bankruptcy Attorney with 25 years experience
(209) 257-4990 665 New York Ranch Road
Suite 3
Jackson, CA 95642
Bankruptcy
Lincoln Law School
Cameron Park, CA Bankruptcy Lawyer
(530) 676-8041 3420 Coach Ln #8
Cameron Park, CA 95682
Bankruptcy and Estate Planning
Amador City, CA Bankruptcy Lawyer with 7 years experience
(209) 267-1381 14203 Old Hwy. 49
Amador City, CA 95601
Bankruptcy
Placerville, CA Bankruptcy Attorney
(530) 626-5175 520 Main St
Placerville, CA 95667
Bankruptcy
Matthew D. Roy
PREMIUM

California Bankruptcy Lawyer with 11 years experience

Matthew Roy graduated with a degree in Government from CSU, Sacramento and his J.D. from University of the Pacific McGeorge School of Law. While living in Sacramento, Matthew has participated in various community groups... Read More »
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Marc A. Carpenter
PREMIUM

California Bankruptcy Lawyer with 35 years experience

Mr. Carpenter has been a member of the State Bar of California since 1985. He brings considerable legal experience with corporate, business, and financial transactions. Mr. Carpenter’s legal experience includes buying... Read More »
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Cameron Park, CA Bankruptcy Lawyer with 34 years experience
(916) 930-2087 2620 Gallery Ct
Cameron Park, CA 95682
Bankruptcy
William Mitchell COL
Adam David Garcia
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
(916) 596-1018 4050 Truxel Road # C
Sacramento, CA 95834
Free ConsultationSacramento, CA Bankruptcy Lawyer with 7 years experience
Bankruptcy
James E. Rogers College of Law, University of Arizona and University of California, Berkeley School of Law
Adam Garcia is the founder and principal bankruptcy attorney at Sacramento Law Group LLP. Through years of practicing bankruptcy law Adam has developed a streamlined and efficient method for processing chapter 7 and chapter 13 bankruptcy cases. When contacting Sacramento Law Group LLP you will deal directly with an attorney and not a bankruptcy paralegal. From the first phone consultation to the final petition signing you will deal 1 on 1 with an attorney. Your case will not be handed off to a non-attorney at any point throughout your case. Adam's philosophy is to deliver...
Seth L. Hanson
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
(916) 780-7005 1024 Iron Point Road
Folsom, CA 95630
Free ConsultationFolsom, CA Bankruptcy Attorney with 18 years experience
Bankruptcy
Brigham Young Univ J Reuben Clark LS UT
At my firm, bankruptcy is all we do. By focusing just on bankruptcy, we are able to keep our skills sharp and maintain great relationships with the local bankruptcy trustees and bankruptcy judges. Those relationships are extremely important when choosing a bankruptcy attorney.

I have been practicing law since 2001 and opened my own bankruptcy law firm in 2006. I have filed over 1,400 bankruptcy cases and have counseled with thousands of individuals about Chapter 7 and Chapter 13 bankruptcy. My firm colleagues and I work very hard to ensure that each bankruptcy client is treated with...
Gary Ray Fraley
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 41 years experience
(800) 675-1005 1401 El Camino Ave
Suite 370
Sacramento, CA 95815
Free ConsultationBankruptcy
UCLA School of Law
I am a California State Bar CERTIFIED Bankruptcy Law Specialist. Less than 1 in 1,000 attorneys are Certified Bankruptcy law specialists. I have been helping clients just like you solve their debt problems for 41 years. I have been teaching national bankruptcy law seminars for ovpver 15 years. I give my FREE credit rebuilding educational book just for coming to see me. 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...
Michael A. Hackard
Claimed Lawyer ProfileSocial Media
Mather, CA Bankruptcy Lawyer with 44 years experience
10630 Mather Blvd.
Mather, CA 95655
Bankruptcy, Business, Estate Planning and Probate
University of the Pacific, McGeorge School of Law
Michael A. Hackard. Michael A. Hackard is the principal attorney of Hackard Law Corporation - a Sacramento, California firm which represents wealthy families with extensive business interests as well as clients impoverished by the wrongdoing of others. Michael and his attorneys are dedicated to clients.

Hackard Law attorneys focus on trust and estate litigation, fiduciary litigation, will contests, trust contests, elder financial abuse, trust decanting, trust beneficiary rights, trustee removal, special needs trusts, supplemental needs trusts, title to assets, family business trusts, dynasty trusts, domestic asset preservation trusts and asset protection.
Matthew D. Roy
Claimed Lawyer ProfileLII SilverBlawgsearchSocial Media
Sacramento, CA Bankruptcy Lawyer with 11 years experience
(916) 361-6028 770 L St
#950
Sacramento, CA 95814
Bankruptcy, Divorce, Family and Probate
University of the Pacific, McGeorge School of Law
Matthew Roy graduated with a degree in Government from CSU, Sacramento and his J.D. from University of the Pacific McGeorge School of Law. While living in Sacramento, Matthew has participated in various community groups and organizations. He has served on the Board of Governors of the California Community Colleges after his appointment by Governor Gray Davis as well as the Board of Directors for the Camellia Symphony Association of Sacramento. Mr. Roy volunteers with Habitat for Humanity, Women Escaping a Violent Environment (W.E.A.V.E.), the Los Angeles County Bar Association’s Domestic Violence Project, as well as oversees domestic violence prevention workshops...
Pauldeep Bains
Claimed Lawyer ProfileSocial Media
Roseville, CA Bankruptcy Attorney with 10 years experience
(916) 800-1406 915 Highland Pointe Dr
Ste 250
Roseville, CA 95678
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. ...
Charles Quentin Jakob
Claimed Lawyer Profile
Carmichael, CA Bankruptcy Attorney with 26 years experience
(916) 900-4244 7144 Fair Oaks Blvd.
Suite 3A
Carmichael, CA 95608
Free ConsultationBankruptcy, Appeals, Business and Collections
Ohio State University - Columbus
Mr. Jakob earned his bachelor's degree (dual major in economics and government) from the College of Arts & Sciences at Cornell University. He earned his master's degree in economics from Duke University. After working in Washington, DC for National Economic Research Associates he earned his MBA, with a focus on finance, on a scholarship to what is now the Fisher College of Business at Ohio State University. While there he earned his law degree from what is now the Moritz College of Law. In law school he was a member of the school's ABA moot court...
Joseph B. Angelo
Claimed Lawyer ProfileSocial Media
Roseville, CA Bankruptcy Lawyer with 10 years experience
(916) 290-7778 1430 Blue Oaks Blvd
Suite 250
Roseville, CA 95747
Free ConsultationBankruptcy and Foreclosure Defense
Willamette University College of Law
I am a founding partner of Gale, Angelo, Johnson & Pruett P.C., and practice in the areas of bankruptcy and consumer litigation. In bankruptcy, I represent both consumer debtors and businesses in chapter 7, 11, and 13 matters. In consumer litigation, I represent consumers in litigation under the Fair Credit Reporting Act, the Telephone Consumer Reporting Act, the Fair Debt Collection Practices Act, and the Rosenthal Act and has handled cases in those areas before both state and federal courts. I also have experience with appeals, having worked on cases before the Bankruptcy Appellate Panel and the Ninth Circuit Court...
Elliot Gale
Claimed Lawyer ProfileSocial Media
Roseville, CA Bankruptcy Lawyer with 10 years experience
(916) 290-7778 1430 Blue Oaks Blvd
Suite 250
Roseville, CA 95747
Free ConsultationBankruptcy, Consumer and Foreclosure Defense
Santa Clara University School of Law
Hi! I'm Elliot W. Gale, I am a managing partner at Gale, Angelo, Johnson & Pruett PC. I graduated Magna Cum Laude from the University of Florida in 2004 and love all things "Gators" related. Later, I earned my Juris Doctorate from Santa Clara University in 2008 which started my career in law. Prior to opening my own firm, I was a Senior Associate at a consumer bankruptcy law firm for 9+ years and oversaw more than one thousand Chapter 7, chapter 13 filings and argued before both the 9th Circuit Bankruptcy Appellate Panel and the 9th Circuit Court of...
Michael Warren Crosson
Claimed Lawyer ProfileSocial Media
Carmichael, CA Bankruptcy Lawyer with 24 years experience
(916) 973-8288 5650 Marconi Avenue
Suite 20
Carmichael, CA 95608
Bankruptcy, Divorce and Family
University of the Pacific, McGeorge School of Law
I am a solo practitioner representing clients in the greater Sacramento area in family law, small business (including copyright & trademark) and bankruptcy matters. I have over 20 years experience and offer honest representation with fair fees. I am very comfortable with technology and happy to assist long distance clients over the Internet. Unbundled legal services available in some situations. Contact me to make an appointment for a initial consultation and strategy session.
Theodore Allan Greene
Claimed Lawyer ProfileQ&A
Sacramento, CA Bankruptcy Attorney with 17 years experience
(916) 442-6400 1912 F Street #110
Sacramento, CA 95811
Free ConsultationBankruptcy, Foreclosure Defense, Personal Injury and Real Estate
Lincoln Law School
The Law Offices of Ted A. Greene, Inc. was formed in 2002. We have helped many people n the years since. We currently have 3 attorneys working in the areas of Personal Injury, Bankruptcy, Foreclosure Defense, Real Estate Law and Civil Litigation. If we can't help you we will try to find you someone who might be able to by referring you to another firm. We pride ourselves on treating our clients like we would like to be treated so if you have any legal needs you should give us a call.
Cindy Lee Hill
Claimed Lawyer ProfileSocial Media
Fair Oaks, CA Bankruptcy Attorney with 34 years experience
(916) 671-1144 5150 Sunrise Blvd F-5
Fair Oaks, CA 95628
Free ConsultationBankruptcy
University of the Pacific, McGeorge School of Law
I am the bankruptcy attorney with Hill and Morris. Ours is a small firm, and we enjoy working personally with our clients. You will probably be greeted at the door by our furry receptionist (although sometimes she's busy watching for squirrels out of the windows.) Once you sit down with me, I'll ask simple questions to obtain the information I need then try to answer your questions about bankruptcy so that you can make an informed decision about your options. We will lead you through the paperwork, the meetings at court and help you do what you...
Candace Y. Brooks
Claimed Lawyer ProfileLII GoldSocial MediaResponsive Law
(916) 927-4989 Melody Lane
Roseville, CA 95678
Free ConsultationRoseville, CA Bankruptcy Lawyer with 24 years experience
Bankruptcy, Business and Foreclosure Defense
Lincoln Law School of Sacramento
Candace opened her own law practice in 1996. Candace’s law practice focuses on helping clients with their bankruptcy and business needs.

For the past 23 years, Candace has devoted her law practice to assisting individuals and businesses through the difficult process of re-organization, examination of all options, and filing for protection under the federal bankruptcy law.

Candace has fought for the rights of numerous individuals and businesses facing economic uncertainty which has required representation in the federal Bankruptcy Courts, and advising individuals and businesses on a fresh economic recovery after bankruptcy.

Candace was a "military brat" and moved...
Scott M. Johnson
Claimed Lawyer ProfileSocial Media
Roseville, CA Bankruptcy Attorney with 7 years experience
(916) 290-7778 1430 Blue Oaks Blvd
Suite 250
Roseville, CA 95747
Free ConsultationBankruptcy and Consumer
Santa Clara University School of Law
Hi! I'm Scott M. Johnson and I am founding Partner of Gale, Angelo, Johnson & Pruett PC. I graduated Cum Laude from the University of California, Los Angeles with a major in American Literature, then attended Santa Clara University Law School and graduated Cum Laude. Prior to starting Gale, Angelo, Johnson & Pruett, P.C., I worked for a consumer bankruptcy law firm assisting debtors.

I have represented hundreds of Debtors in Chapter 7, 11 and 13 bankruptcy cases throughout Northern California, successfully helping them to discharge the burdensome debt, keep their homes, and restore their credit. Scott also represents consumers in...
Michael Scott Noble
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Attorney with 26 years experience
(916) 442-4412 2017 5th Street
Sacramento, CA 95818
Free ConsultationBankruptcy and Consumer
Gonzaga Univ School of Law
Michael Noble is a Sacramento bankruptcy attorney with over 20 years experience in the local legal system. The Law Office of Michael Nobel prides itself on a client centered approach.
Stephan M. Brown
Claimed Lawyer ProfileBlawgsearchSocial Media
Roseville, CA Bankruptcy Lawyer with 13 years experience
(800) 358-0305 3300 Douglas Blvd
Suite 100A
Roseville, CA 95661
Free ConsultationBankruptcy and Tax
Chapman University Fowler School of Law
Stephan helps individuals and businesses resolve tax controversies and minimize tax liability. He is a tax attorney with the NewPoint Law Group. The mission of NewPoint Law Group is to provide the highest level of client service in the areas of taxation, estate planning, business law, and real property law. Our team of tax attorneys and professionals is motivated by the relentless pursuit of helping our clients achieve their goals.
Len Randall ReidReynoso
Claimed Lawyer ProfileSocial Media
Galt, CA Bankruptcy Lawyer with 19 years experience
(209) 745-4411 908 C St #B
Galt, CA 95632
Bankruptcy, Business, Estate Planning and Probate
UC Davis School of Law King Hall
Through my office, I have been able to practice law in a manner that best serves my clients. Being a lawyer is being able to serve people. I am in a service industry. I must be honest with my clients. This means that I will tell clients what I believe is in their best interest, regardless of my financial interest or personal bias. I do believe that people should stay out of court, if possible. Court is expensive, time consuming, and emotionally draining for clients. It is easier to fix problems prior...
Mikalah Raymond Liviakis
Claimed Lawyer ProfileSocial Media
(916) 459-2364 101 Parkshore Drive
Folsom, CA 95630
Free ConsultationFolsom, CA Bankruptcy Lawyer with 12 years experience
Bankruptcy and Foreclosure Defense
University of the Pacific, McGeorge School of Law
I have been helping Californians keep their homes while reducing their credit card debt since 2008. I am confident that our firm can solve most mortgage, credit card, and medical debt problems. We specialize in bankruptcy, including chapter 13, chapter 7, and chapter 11. But we also offer alternatives to bankruptcy, such as debt settlement. We are A+ rated by the Better Business Bureau and we offer a free initial consultation. Call us today to start your new financial direction with confidence. 916-459-2364.
Jaspreet Singh Hundal
Claimed Lawyer ProfileQ&A
Roseville, CA Bankruptcy Lawyer with 3 years experience
(916) 580-3681 2200 Douglas Blvd., Bld. B, Ste. 175B
Roseville, CA 95661
Bankruptcy, Business and Tax
University of the Pacific, McGeorge School of Law
Jaspreet Hundal is a managing partner at Randhawa Hundal LLP. His practice focuses exclusively on Tax Law, Business Law, and Bankruptcy. He works with individuals and small to medium sized businesses on various legal issues.
Anthony Hughes
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 13 years experience
(916) 485-1111 1395 Garden Hwy Ste 150
Sacramento, CA 95833
Free ConsultationBankruptcy and Real Estate
Bankruptcy, Reorganization, Financial Counseling, and Debt Negotiation.
Marc A. Carpenter
Claimed Lawyer ProfileLII SilverSocial Media
Sacramento, CA Bankruptcy Lawyer with 35 years experience
(916) 927-4989 555 University Ave
#130
Sacramento, CA 95825
Free ConsultationBankruptcy, Business and Foreclosure Defense
Golden Gate University School of Law
Mr. Carpenter has been a member of the State Bar of California since 1985. He brings considerable legal experience with corporate, business, and financial transactions. Mr. Carpenter’s legal experience includes buying and selling of businesses, stock, assets and professional practices, commercial finance and lending transactions, licensing and regulatory franchising, employment, and labor matters. Mr. Carpenter has closed business transactions with aggregate financial value exceeding $750 million during his career with Fortune 500 companies and small businesses. Commercial transactions have included purchases, sales and leases, intellectual property, mergers, acquisitions, technology development, financing, and various other business transactions. Prior to Brooks &...
Patrick Bernard Greenwell
Claimed Lawyer Profile
Sonora, CA Bankruptcy Lawyer with 33 years experience
(209) 588-8233 945 Morning Star Drive
Sonora, CA 95370
Free ConsultationBankruptcy, Estate Planning and Tax
Patrick B. Greenwell (Pat) was born and raised in Ohio. After a six year enlistment in the U.S. Navy, at the end of the Vietnam War, he worked for various computer and high tech companies in Silicon Valley. Being dissatisfied with electronics and electrical engineering, he wanted to work in a field that was more people oriented, he chose law. He attended Western State University, College of Law in San Diego. During law school he clerked for the law firm of McCarty, Patterson, & Ferguson. After graduation, the firm offered him a job as a bankruptcy and real estate...
Ms. Christine Morse Galves
Claimed Lawyer Profile
Sacramento, CA Bankruptcy Attorney with 22 years experience
(916) 492-1900 1007 7th St. Ste. 500
Sacramento, CA 95814
Bankruptcy and Criminal
McGeorge School of Law Univ of the Pacific
Christine practices both state and federal law in several counties. She is known for her thorough legal representation in both bankruptcy and criminal law, and her superior customer service. She has also served in both the executive and legislative branches of government, and has taught legal classes at U.C. Davis.
Joseph Clifford Sandbank
Claimed Lawyer Profile
ROCKLIN, CA Bankruptcy Attorney with 17 years experience
(916) 672-8018 6524 LONETREE BLVD
ROCKLIN, CA 95765-5874
Bankruptcy, Business, Landlord Tenant and Real Estate
McGeorge School of Law Univ of the Pacific
Kevin Patrick Hall
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Attorney with 17 years experience
(916) 538-4010 8880 Cal Center Drive
Suite 400
Sacramento, CA 95826
Bankruptcy, Business, Personal Injury and Real Estate
McGeorge School of Law Univ of the Pacific
Darrel Craig Rumley
Claimed Lawyer Profile
Roseville, CA Bankruptcy Attorney with 21 years experience
(916) 780-7080 915 Highland Pointe Drive
Suite 250
Roseville, CA 95678
Bankruptcy, Estate Planning and Probate
Univ of N. Calif/Lorenzo Patino School of Law
After graduating from University of Northern California, Lorenzo Patino School of Law in 1998 and passing the CA State Bar exam the following year, I worked briefly doing criminal defense. Realizing this was not the type of law for me, I decided to set up my own law practice, specializing in two areas of law, bankruptcy and trusts. These two fields have been rewarding to me, as both provide a positive outcome for the client.
Daniel Martin Davis
Claimed Lawyer Profile
Carmichael, CA Bankruptcy Attorney with 45 years experience
(916) 837-1933 P.O. Box 2189
davisamayad@netscape.net
Carmichael, CA 95609
Free ConsultationBankruptcy, Criminal, DUI and Family
McGeorge School of Law Univ of the Pacific
I have been a Sacramento criminal defense attorney and family law practitioner for over 40 years. I am very well versed in the procedures employed in charging and defending felonies and misdemeanors and have stayed current with all recent propositions that have enabled people to take advantage of recent modifications of the criminal justice system.

Likewise, I have always taken great satisfaction in helping families in times of domestic turmoil by plain-speaking the issues associated with divorce, custody, support, and property division. I believe it is easier to handle stressful situations in a relaxed manner, but with firm resolve when...
Linh Thiet Nguyen
Claimed Lawyer ProfileSocial Media
Elk Grove, CA Bankruptcy Attorney with 22 years experience
(916) 686-6600 8841 Williamson Drive, Suite 80
Elk Grove, CA 95624
Free ConsultationBankruptcy, Employment and Personal Injury
Southwestern Univ School of Law
Miss Brooke Katrina Bryant
Claimed Lawyer Profile
Roseville, CA Bankruptcy Attorney with 12 years experience
(916) 782-4529 108 Main Street
Roseville, CA 95678
Free ConsultationBankruptcy and Family
University of California - Davis
I specialize in family and bankruptcies. I have handled all aspects of family law cases from initial consultation, up through trial, and final judgment. I am also available to assist you with your bankruptcy needs, and figure out which chapter is right for you.
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Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

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.