Plumas Lake, California Bankruptcy Lawyers

Charnel J James
Claimed Lawyer Profile
Marysville, CA Bankruptcy Lawyer
(530) 923-4678 500 Olive Street
Marysville, CA 95901
Bankruptcy
Marysville, CA Bankruptcy Attorney with 38 years experience
1129 "D" Street
Drawer A
Marysville, CA 95901
Bankruptcy, Employment and Municipal
McGeorge School of Law Univ of the Pacific
Chico, CA Bankruptcy Attorney with 47 years experience
(530) 891-6222 686 Rio Lindo Ave
Chico, CA 95926
Bankruptcy and Estate Planning
Lincoln, CA Bankruptcy Lawyer
(916) 434-0220 605 G St # 350
Lincoln, CA 95648
Bankruptcy
University of Washington School of Law
Lincoln, CA Bankruptcy Attorney with 29 years experience
(916) 512-0240 651 Toad Hollow Dr
Lincoln, CA 95648
Bankruptcy and Workers' Comp
Rocklin, CA Bankruptcy Attorney with 32 years experience
(916) 644-1177 3785 Placer Corporate Dr
Ste 550
Rocklin, CA 95765
Bankruptcy, Criminal, DUI and Divorce
UC Berkeley School of Law Boalt Hall
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 ProfileBlawgsearchSocial Media
(916) 780-7005 2400 Professional Drive
Suite 100
Roseville, CA 95661
Free ConsultationRoseville, CA Bankruptcy Attorney with 17 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...
Pauldeep Bains
Claimed Lawyer ProfileSocial Media
Roseville, CA Bankruptcy Attorney with 9 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. ...
Michael A. Hackard
Claimed Lawyer ProfileSocial Media
Mather, CA Bankruptcy Lawyer with 43 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. Dedicated to clients. Hackard Law Corporation’s work also includes the representation of individuals, partnerships, limited liability companies, trustees and corporations involved in residential and commercial real estate development, homebuilding companies, construction businesses, general commercial real estate, and general commercial enterprises.The lawyers at Hackard Law also focus on civil and bankruptcy litigation, fiduciary litigation, will contests, trust contests, trust decanting, beneficiary rights, probate administration,...
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 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...
Candace Y. Brooks
Claimed Lawyer ProfileSocial MediaResponsive Law
(916) 927-4989 Melody Lane
Roseville, CA 95678
Free ConsultationRoseville, CA Bankruptcy Lawyer with 23 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...
Nikki Farris
Claimed Lawyer ProfileSocial Media
Chico, CA Bankruptcy Lawyer with 19 years experience
(888) 325-1181 2607 Forest Ave.
Suite 120
Chico, CA 95928
Bankruptcy, Business, Estate Planning and Foreclosure Defense
As a mother of four children, Nikki Farris understands the pressure of being responsible and taking care of family. When you fall into debt, it's not only you but those who depend on your that are in danger of financial ruin. If you cannot handle the debt, Attorney Nikki Farris can help you file for bankruptcy and find debt relief through various means. Nikki is experienced in bankruptcy law, as well as estate planning and business law. As a member of the National Association of Consumer Bankruptcy Attorneys, Nikki is held accountable to high standards of legal service for her...
Marc A. Carpenter
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 34 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 &...
Scott M. Johnson
Claimed Lawyer ProfileSocial Media
Roseville, CA Bankruptcy Attorney with 6 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...
Mikalah Raymond Liviakis
Claimed Lawyer ProfileSocial Media
(916) 459-2364 1215 K Street
Sacramento, CA 95814
Free ConsultationSacramento, CA Bankruptcy Lawyer with 11 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.
Matthew D. Roy
Claimed Lawyer ProfileBlawgsearchSocial Media
Sacramento, CA Bankruptcy Lawyer with 10 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...
Theodore Allan Greene
Claimed Profile
(916) 442-6400 1912 F Street #110
Sacramento, CA 95811
Bankruptcy, 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 33 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...
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 23 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.
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.
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.
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.
Christopher C. Phillips
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 10 years experience
777 Campus Commons Rd.
Suite 200
Sacramento, CA 95284
Free ConsultationBankruptcy, Business, Civil Rights and Collections
University of the Pacific, McGeorge School of Law
Christopher C. Phillips was born in Sacramento and raised in Glen Ellen, CA (the heart of Sonoma Valley). Growing up, Chris was always a good student, but was consumed with Baseball. Following his dream, Chris attended Santa Rosa Junior College and then Texas Tech University to play Baseball. After graduating with an Exercise and Sports Science degree from Texas Tech, Chris decided he had just about reached the end of the line as far as baseball was concerned, so he refocused his goals and decided on Law School. After Graduating from University of Pacific, McGeorge School of Law, Chris clerked for,...
Joseph B. Angelo
Claimed Lawyer ProfileSocial Media
Roseville, CA Bankruptcy Lawyer with 9 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...
Charles Quentin Jakob
Claimed Lawyer Profile
Carmichael, CA Bankruptcy Attorney with 25 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...
Anthony Hughes
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 12 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.
Michael Scott Noble
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Attorney with 25 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.
Stephen Reynolds
Claimed Lawyer Profile
Davis, CA Bankruptcy Lawyer with 28 years experience
(530) 297-5030 424 2nd St
Davis, CA 95616
Free ConsultationBankruptcy
University of California - Davis
Representation of debtors, creditors and trustees in bankruptcy court since 1990.
Linh Thiet Nguyen
Claimed Lawyer ProfileSocial Media
Elk Grove, CA Bankruptcy Attorney with 21 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
Darrel Craig Rumley
Claimed Lawyer Profile
Roseville, CA Bankruptcy Attorney with 20 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.
Matthew Smith
Claimed Lawyer Profile
West Sacramento, CA Bankruptcy Attorney with 15 years experience
(530) 758-7800 1250 Harbor Blvd #700
West Sacramento, CA 95691
Bankruptcy, Business, Collections and Family
McGeorge School of Law Univ of the Pacific
Aubrey L. Jacobsen
Claimed Lawyer Profile
Sacramento, CA Bankruptcy Lawyer with 3 years experience
(916) 442-6400 1912 F Street Ste. #110
Sacramento, CA 95811
Free ConsultationBankruptcy and Consumer
Aubrey Jacobsen began advocating for consumers in bankruptcy in 2005 working as a receptionist for one of the largest bankruptcy law firms in Sacramento. Eventually, she worked her way up to case manager, all the while expanding her knowledge and skills necessary to aid individuals seeking relief under the Bankruptcy Code. Aubrey has prepared and administered countless Chapter 7 liquidation and Chapter 13 reorganization cases, and has even had experience in working with attorneys on Chapter 11 and 12 cases.

In 2011, Aubrey enrolled at Lincoln Law School of California. She earned her J.D. and passed the bar exam in 2015....
Kristy A Hernandez
Claimed Lawyer ProfileSocial Media
Citrus Heights, CA Bankruptcy Lawyer
(510) 456-7400 7777 Greenback Lane, Ste. 212
Citrus Heights, CA 95610
Bankruptcy, Divorce and Real Estate
Kristy Hernandez received her B.A. in Political Science and Comparative Literature from the University of California at Davis. She received her Juris Doctorate from the University of the Pacific, McGeorge School of Law with a concentration in Advocacy. In 2004 Kristy founded the Law Office of Kristy Hernandez which now has offices in Sacramento and Fresno. Kristy has assisted hundreds of clients in debt relief cases and is a passionate advocate for consumer rights. In addition to practicing law, from 2004 to 2007 Kristy taught at legal writing and oral advocacy as an adjunct professor at McGeorge School of Law. Kristy is...
Craig L. Parker
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 11 years experience
(916) 585-9438 777Campus Commons Road, Ste. 200 PMB 20025
Sacramento, CA 95825
Bankruptcy, Business and Estate Planning
University of the Pacific, McGeorge School of Law
Debora Paul
Claimed Lawyer Profile
Roseville, CA Bankruptcy Lawyer with 25 years experience
(916) 635-2092 3017 Douglas Blvd.
Suite 300
Roseville, CA 95661
Free ConsultationBankruptcy and Estate Planning
Western State University College of Law
Nancy Regan
Claimed Lawyer Profile
Gold River, CA Bankruptcy Lawyer with 44 years experience
(916) 962-1233 2377 Gold Meadow Way
Suite 100
Gold River, CA 95670
Free ConsultationBankruptcy, Arbitration & Mediation and Estate Planning
UC Hastings COL
I have had over 30 years' experience in counseling and representing clients in estate planning, probate, conservatorship, and bankruptcy matters. I have also represented hundreds of clients in family law cases. My practice is first of all to listen to the client and help to clarify the client's issues and provide useful information. My goal is to help my clients resolve their issues in a cost-effective, efficient and compassionate manner. I find that clients experience an enormous sense of relief after they have...
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
Ms. Christine Morse Galves
Claimed Lawyer Profile
Sacramento, CA Bankruptcy Attorney with 21 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.
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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.