Salem Bankruptcy Lawyers

Compare 295 top rated Massachusetts attorneys serving Salem.
Jared Muggeo
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Salem, MA Bankruptcy Attorney with 4 years experience
(978) 741-1177 133 Washington Street
Salem, MA 01970
Free ConsultationOffers Video ChatBankruptcy, Business, Landlord Tenant and Personal Injury
Expert in complex Personal Injury, Business Law and other Specialized Practices

Our Law Firm has over 40 years of Experience
Panagiotis (Peter) Konstantilakis
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Peabody, MA Bankruptcy Attorney with 13 years experience
(978) 826-5906 8 Essex Center Drive
Peabody, MA 01960
Free ConsultationBankruptcy, Family and Workers' Comp
Suffolk University Law School
Panagiotis Konstantilakis is a leading trial attorney in Peabody, dedicated to helping clients through difficult legal situations. He is deft at handling cases involving family law, bankruptcy, workers’ compensation, personal injury, and more. He started his career at Sale State College, where he earned his Bachelors of Science degree. He went on to Suffolk University Law School for his Juris Doctor. He is also a member of the Massachusetts Bar Association. Attorney Konstantilakis intentionally keeps a lower caseload so that his existing clients receive the attention they deserve. Call (978) 910-0094 to discuss your case during a free consultation.
Daniel Gindes
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Salem, MA Bankruptcy Lawyer with 29 years experience
(978) 741-4320 16 Front Street
Suite 208
Salem, MA 01970
Free ConsultationBankruptcy, Criminal, DUI and Domestic Violence
Boston University School of Law
A drunk driving charge, financial troubles, a serious accident – no one expects these things to happen – but they do. And they can make you feel anxious, overwhelmed, or unsure of where to turn. Our office can help. Attorney Gindes has the experience you need to get your life back on track. We will handle your situation quickly, quietly, and effectively, and we promise to treat you with the respect and confidentiality you deserve. As an established Massachusetts courtroom lawyer representing clients in both state and federal courts, Attorney Gindes has extensive experience in all types of litigation,...
Monique Boucher Lamb
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Salem, MA Bankruptcy Attorney with 21 years experience
(978) 744-8818 26 Lynde Street
Salem, MA 01970
Bankruptcy, Divorce and Family
New England Law | Boston
Attorney Monique Boucher Lamb is dedicated to providing comprehensive family law and bankruptcy law representation for individuals throughout the North Shore of Massachusetts. Born and raised in the North Shore, Ms. Lamb has built strong working relationships with fellow lawyers and the local courts, which help her to more effectively protect your rights. Family law practice is extensive and includes: Divorce cases, including property division, alimony, legal separation and same-sex divorce Child custody cases, including visitation, relocation/removal, high-conflict cases and child support Modification of existing orders, including alimony, custody and child support Bankruptcy practice: ...
Atty. John P. Keane
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Swampscott, MA Bankruptcy Attorney with 27 years experience
(781) 599-4011 212 Humphrey St.
Swampscott, MA 01907
Free ConsultationBankruptcy
I am a Massachusetts bankruptcy attorney with over 20 years experience.
Barry R. Levine
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Beverly, MA Bankruptcy Lawyer with 40 years experience
(978) 922-8440 Beverly, MA 01915
Bankruptcy
New England Law | Boston
The Law Office of Barry R. Levine is a practice focusing on the needs of small businesses and individuals. Apart from offering a wide range of services for businesses and individuals, The Law Office of Barry R. Levine has created a niche for itself in providing representation for those, be it a corporation, LLC, sole-proprietorship or individual, currently experiencing financial adversity. In its over thirty-seven years of representing those with financial difficulties, The Law Office of Barry R. Levine has developed a wealth of strategies for addressing and resolving those often seemingly unsolvable problems.

Mr. Levine is a graduate of New...
Kenneth Elliot Lindauer
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(800) 464-5861 14 Lynde Street
Salem, MA 01970
Free ConsultationSalem, MA Bankruptcy Attorney with 45 years experience
Bankruptcy, Divorce and Family
Northeastern University
Peter R. Kaplan
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Salem, MA Bankruptcy Attorney
(978) 740-2805 6 LYNDE STREET
Salem, MA 01970
Bankruptcy and Social Security Disability
Michael Goldstein
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Middleton, MA Bankruptcy Lawyer with 14 years experience
(781) 595-3800 161 S. Main Street
Building 2, Second Floor
Middleton, MA 01949
Free ConsultationBankruptcy, Employment and Foreclosure Defense
Massachusetts School of Law
Attorney Michael A. Goldstein is a Massachusetts lawyer who represents employees who have been the victim of discrimination in the workplace and wrongful termination from their jobs. He also represents employees who have not been paid their wages, commissions and PTO time due and owning both during their employment and after their separation from employment. In addition, he represents clients in unemployment appeal hearings when they have been denied unemployment benefits. Finally, Attorney Goldstien helps consumer get a fresh start on their finances through chapter 7 and Chapter 13 bankruptcy filings.
Robert A. Prousalis
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Lynnfield, MA Bankruptcy Attorney with 21 years experience
40 Salem Street
Bldg. 2
Lynnfield, MA 01940
Bankruptcy, Elder, Estate Planning and Real Estate
Suffolk University Law School
Thomas Beauvais
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Melrose, MA Bankruptcy Attorney with 9 years experience
(781) 462-1669 PO Box 761235
Melrose, MA 02176
Free ConsultationBankruptcy and Consumer
Suffolk University
Jonathan Roy
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Wakefield, MA Bankruptcy Lawyer with 14 years experience
(781) 245-1239 7 Lincoln Street
Suite 210
Wakefield, MA 01880
Free ConsultationBankruptcy and IP
David Altman
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Cambridge, MA Bankruptcy Lawyer with 21 years experience
(800) 481-6199 689 Massachusetts Avenue
Cambridge, MA 02139
Free ConsultationBankruptcy, Medical Malpractice, Personal Injury and Products Liability
Suffolk University Law School
Since 1999, David Altman has been representing seriously injured people and their families throughout Massachusetts. David has recovered millions of dollars for people injured in cases ranging from simple negligence to the most sophisticated and complex liability cases. As the managing partner of the firm’s personal injury practice, David also oversees the other attorneys and staff at the firm in order to ensure that every case gets the attention it deserves.

While David has developed a reputation for achieving consistently outstanding results on behalf of injured people, he is probably best known for the level of service he provides. He makes...
Dax Grantham
Claimed Lawyer ProfileOffers Video ChatSocial MediaResponsive Law
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Woburn, MA Bankruptcy Attorney with 18 years experience
(781) 222-0611 400 Tradecenter
Suite 5900
Woburn, MA 01801
Free ConsultationOffers Video ChatBankruptcy and Business
New England Law | Boston
I launched Grantham Law with a vision to break away from the outdated "lawyer first" focus found in big law firms. Every client is different; therefore, my goal is to deliver results that are tailored to meet each client's individual needs. As a small law firm, Grantham Law is not bound by the "top heavy" structure of larger law firms; allowing me to offer a "client centered" approach to problem solving at a fraction of the cost of our competitors. At Grantham Law, our mission is to:

Put Our Clients First...Always
Help Our Clients Make Informed Decisions.
Tailor Our Services to Our Client's...
Christopher Tolley
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Boston, MA Bankruptcy Attorney with 34 years experience
(617) 367-8787 1 Washington Mall Suite 7A
Boston, MA 02108
Free ConsultationBankruptcy, Collections, Construction and Consumer
Suffolk University Law School
Meeting Your Business And Personal Legal Needs
Your needs are our needs. Your goals are our goals. We strive to provide our clients the best representation we can, employing rigorous legal analysis and considerable experience to develop client relationships where we consistently deliver success. From common to complex legal issues we seek solutions that are creative, inventive, even counter-intuitive – but always practical.

Our areas of practice include:

Debt Collection Regulation - Federal and Massachusetts
Construction Supplier Litigation
Real estate transactions – buying, selling, mortgages title issues, title insurance
Commercial and Consumer Collections
Commercial And Consumer Mortgage Foreclosures
Personal injury
Chapter 7 and 13 for Individuals and Small Businesses
Bankruptcy...
Angel J. Silvestrini Esq.
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Cambridge, MA Bankruptcy Lawyer with 14 years experience
(800) 541-4542 983 Memorial Dr
#102
Cambridge, MA 02138
Free ConsultationOffers Video ChatBankruptcy and Foreclosure Defense
University of Puerto Rico - Río Piedras
Attorney A.J. Silvestrini understand what you're going through. He listens and takes the time to answer your Bankruptcy questions. He is licensed in 5 different states and has represented clients from all over the United States.

From his offices in Newton and Cambridge, he represents Bankruptcy clients in Newton, Wellesley, Natick, Weston, Framingham, and the Greater Boston area.

A.J. provide effective strategies that reduce your levels of anxiety and help you recover financially as quickly as possible. He understands how overwhelming it can be to deal with mounting financial obligations and he is here to lend a...
Bart Peter Simonian
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Cambridge, MA Bankruptcy Lawyer with 27 years experience
(800) 481-6199 689 Massachusetts Avenue
Cambridge, MA 02139
Free ConsultationBankruptcy, Business, Criminal and Divorce
New England Law | Boston
Freya Allen Shoffner
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Stoneham, MA Bankruptcy Attorney with 28 years experience
(617) 369-0111 90 Maple Street
Suite 3A
Stoneham, MA 02180
Offers Video ChatBankruptcy, Business, Estate Planning and Family
Suffolk University Law School
After ten years in business herself, Freya Shoffner gave up her search for a good lawyer for her small company and her family and went to law school. Her goal was to build a law firm that could take care of a small business’ every legal need – from the initial brainstorm, through the years of careful tending, to the flood of profits when the benefits are secured for generations to come. She also wanted that firm to give families, in all asset brackets, the best estate planning possible. Freya reached her goal, and now Boston has a law...
Todd D. Beauregard
Claimed Lawyer ProfileBlawg SearchSocial Media
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North Andover, MA Bankruptcy Attorney with 25 years experience
(978) 275-1919 800 Turnpike St #300
North Andover, MA 01845
Free ConsultationBankruptcy, Divorce, Family and Workers' Comp
Suffolk University Law School
Practice: Upon graduation from law school and having passed the Massachusetts Bar Examination in 1995, Attorney Beauregard joined the law firm of Palma Law Offices, P.C., in Lowell, Massachusetts. Attorney Beauregard opened his own practice in Lowell, Massachusetts in 2006, whose main office is located at 25 Central Street in Lowell, MA 01852. Since 2006, the firm has grown to meet the increased demand for experienced and ethical legal representation, with offices in Nashua, NH, North Andover, MA and Boston, MA. Attorney Beauregard is licensed to practice in all Massachusetts state courts, U.S. Bankruptcy Court, and the United States Federal Court...
Douglas Beaton
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NORTH ANDOVER, MA Bankruptcy Lawyer with 26 years experience
(978) 975-2608 800 Turnpike Street
NORTH ANDOVER, MA 01845
Free ConsultationBankruptcy
Northeastern University School of Law
I have been a bankruptcy lawyer in the Merrimack Valley since 1994. I am a member of both the Massachusetts and New Hampshire bar associations, and I can help you escape from a life of debt if you currently reside in either state. When you hire me you will always be represented by a qualified, experienced bankruptcy lawyer who understands your problems and can help you find the right solution. At my office, you won't meet with a paralegal, you won't have to fill out your life history just to get an interview, and you won't wait for weeks until an...
Mr. David Glenn Baker Esq.
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Boston, MA Bankruptcy Lawyer with 23 years experience
(617) 340-3680 236 Huntington Ave
Suite 302
Boston, MA 02115
Bankruptcy and Real Estate
I graduated from Massachusetts School of Law in 1996. Since graduation, I have practiced Bankruptcy almost exclusively. Within the context of Bankruptcy, I also deal with predatory lending, mortgage modifications and similar issues. On November 6, 2006, I became the first bankruptcy lawyer in Massachusetts in the last twenty years to argue a case before the US Supreme Court.
Darren Philip Cross
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Quincy, MA Bankruptcy Attorney with 17 years experience
(617) 716-4303 1266 Furnace Brook Parkway
Suite 100
Quincy, MA 02169
Free ConsultationBankruptcy
Suffolk University Law School
Darren P. Cross is a founder and principal of Cross Nadel LLC. He is highly experienced and knowledgeable in the areas of bankruptcy, immigration and trademark and copyright law. After operating his own law firm in Boston for nearly fifteen years, Darren co-founded Cross Nadel LLC to provide individual and business clients with the same excellent service for which he is known in a more accessible and flexible setting. Darren has spent his career working compassionately and directly with clients to guide them through some of their most difficult and important financial, citizenship and business decisions. He...
Brian Waller
Claimed Lawyer ProfileOffers Video ChatQ&ASocial MediaResponsive Law
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Charlestown, MA Bankruptcy Attorney with 7 years experience
(781) 591-2785 529 Main St
Charlestown, MA 02129
Offers Video ChatBankruptcy, Divorce, Family and Juvenile
New England Law | Boston
I transitioned to divorce and family law after 15+ years working in accounting and operations for start-up technology companies. I strongly believe lawyers overlook the client experience and often force clients to work their way instead of the best way for the client. This means only being available during regular business hours, poor communication, and a less-than-clear understanding of the law related to their case.

My firm's approach starts with the client. We are committed to flexibility and working for and partnering with every client in the most efficient way for them. For parents, a mid-day meeting is frequently a big...
Alethea Shaddox
Claimed Lawyer ProfileOffers Video ChatSocial Media
(978) 851-4000 1445 Main St.
Tewksbury, MA 01876
Free ConsultationOffers Video ChatTewksbury, MA Bankruptcy Lawyer with 9 years experience
Bankruptcy
Massachusetts School of Law
Alethea joined Express Bankruptcy Solutions in 2020. She focuses her practice in two areas, which often go hand in hand; bankruptcy and family law. Alethea handles chapter 7 and chapter 13 bankruptcy as well as divorce, custody, child support, modifications, and contempt proceedings.

Alethea earned her Bachelor of Arts degree with a major in Sociology from the University of Massachusetts. She was selected for induction into Alpha Kappa Delta, an international honor society for Sociology majors. She then obtained her Juris Doctor degree from Massachusetts School of Law. While attending law school, Alethea worked full-time as a bankruptcy paralegal. Alethea...
Kate Nicholson
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Cambridge, MA Bankruptcy Attorney
(857) 600-0508 21 Bishop Allen Rd.
Cambridge, MA 02139
Free ConsultationBankruptcy
Harvard Law School
Kate Nicholson specializes in representing individuals, small businesses, creditors, and trustees in all variety of bankruptcy matters. Ms. Nicholson was named one of the top “40 Under 40” bankruptcy professionals by the American Bankruptcy Institute in 2017 and has been named a “Rising Star” by Thomson Reuters each year from 2014 – 2019. She received her B.A. from the University of Pittsburgh and her J.D. from Harvard Law School.
Attorney Mark C. Rossi
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Boston, MA Bankruptcy Lawyer with 15 years experience
(617) 956-0956 6 Beacon Street
Suite 225
Boston, MA 02108
Bankruptcy, Criminal, Immigration and Personal Injury
Suffolk University Law School
Our Managing Partner, Mark C. Rossi, is a prominent member of the Massachusetts legal community, publishing articles and frequently participating as panelists in conferences dealing with the complexities associated with bankruptcy and insolvency as well as other legal matters. Our attorneys represent individuals, families, businesses, and organizations in many different types of legal cases involving; Personal Injury, Criminal Defense, Bankruptcy, Immigration, Real Estate. Attorney Rossi manages the the Bankruptcy and Insolvency group at the Bostonian Legal Group. The bankruptcy group focuses on all aspects of bankruptcy and insolvency, providing reasoned and realistic guidance for individual and corporate debtors considering...
Dmitry Lev
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Watertown, MA Bankruptcy Lawyer with 14 years experience
(617) 556-9990 134 Main Street
Watertown, MA 02472
Bankruptcy, Collections and Consumer
Roger Williams University
Roushi Sahagen
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Boston, MA Bankruptcy Lawyer with 13 years experience
(617) 273-5110 8 Faneuil Hall
3rd Floor
Boston, MA 02109
Free ConsultationBankruptcy
Massachusetts School of Law at Andover
I am embarking on a second career as a lawyer. Prior to being a lawyer, I worked in the financial industry for five years. I graduated from the Massachusetts School of Law and is now an active member of the Volunteer Lawyers Project and Senior Partners for Justice. I also perform pro bono work as Lawyer for the Day at the Suffolk and Norfolk Probate and Family Court helping low-income litigants. I am fluent in Armenian and French. With my office located in Quincy, MA, I help clients in the Boston Metro area, primarily in Suffolk County, Middlesex County and Norfolk...
Matthew Desrochers
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Reading, MA Bankruptcy Attorney with 20 years experience
(857) 244-1940 274 Main Street
Suite 208
Reading, MA 01867
Free ConsultationBankruptcy
Massachusetts School of Law
Are you facing creditor harassment, wage garnishment, or foreclosure? People often feel helpless when they find themselves in financial situations like these. Debt issues are not something to take lightly, but it is not as scary as you might think. You owe it to yourself to at least know your options. Discussing your situation is the best way out of a bad situation and on to a better future. Get advice from Bankruptcy Lawyer MA Matthew Desrochers.
Lamya A. Forghany
Claimed Lawyer ProfileQ&A
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Andover, MA Bankruptcy Attorney with 12 years experience
(978) 258-0384 300 Brickstone Square
Suite 201
Andover, MA 01810
Free ConsultationBankruptcy, Criminal, Foreclosure Defense and Landlord Tenant
Massachusetts School of Law
Firm Focus and History I established Forghany Law, P.C. with the philosophy of a small firm helping people with their legal dilemmas. Forghany Law, P.C. focuses on Chapter 7 & 13 Consumer (Debtor) Bankruptcy. Family Law, Criminal Defense. We also handle Personal Injury, Torts, and Products Liability. Check out the website www.ForghanyLaw.com for a complete list. Previous Employment Summary I am no stranger to hard work. During my college years, I was a volunteer EMT. During law school I taught CPR for the American Red Cross, and also was a computer repair technician. Now during my short career as an attorney, I have had...
Steven R. Striffler
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Quincy, MA Bankruptcy Attorney
(617) 290-1573 21 McGrath Highway
Suite 301
Quincy, MA 02169
Free ConsultationBankruptcy and Construction
Roger Williams University
The United States Bankruptcy Law is designed to give people the benefit of a fresh start by discharging most debts. Filing for bankruptcy; however, is not the only solution to your financial troubles - there are alternatives. People encounter financial difficulties for many reasons, not always of their own making, from an unexpected illness to a sudden job loss, divorce or gambling, student loans. Whatever the reason, many people feel overwhelmed, helpless, and alone. Ruthless bill collectors and the threat of foreclosure can make a tough situation even tougher. Although not the only solution to your financial difficulties, filing...
William J. McLeod
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Boston, MA Bankruptcy Lawyer with 29 years experience
(617) 542-2956 77 Franklin Street
Boston, MA 02110
Free ConsultationBankruptcy, Collections, Consumer and Real Estate
Western New England University School of Law
Attorney McLeod is a member of the Bankruptcy Section of the Boston Bar Association, the National Association of Consumer Bankruptcy Attorneys the American Bankruptcy Institute, as well as the Real Estate Bar Association for Massachusetts (REBA). In addition to authoring the comprehensive bankruptcy manual "Chapter 13 in 13 Chapters", he has also written articles of interest to the bankruptcy and insolvency community appearing in the ABI Journal. Attorney McLeod was a contributing author to the legal desk reference for physicians, The Biggest Legal Mistakes Physicians Make and How To Avoid Them. He authored two chapters: “The 10 Biggest Mistakes...
Maegan L. Hurley
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Boston, MA Bankruptcy Attorney with 9 years experience
(866) 831-0236 300 Commercial Street
Boston, MA 02109
Free ConsultationBankruptcy
Suffolk University Law School
Maegan L. Hurley, Esquire, is admitted to practice law in Massachusetts and in the U.S. District Court for the District of Massachusetts. Attorney Hurley is a graduate of Simmons College and Suffolk University Law School, where she received Pro Bono Honors. Attorney Hurley has experience helping lower income individuals through her work as a student attorney at Suffolk Law's Housing Clinic and as a coordinator for "No One Leaves", which is a grassroots resource that offers legal information and resources to families facing post-foreclosure eviction. She is a member of the National Association of Consumer Bankruptcy Attorneys, American Bankruptcy Institute...
Kara O'Donnell
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Quincy, MA Bankruptcy Lawyer with 22 years experience
859 Willard Street, Ste. 400
Quincy, MA 02169
Free ConsultationBankruptcy, DUI, Family and Foreclosure Defense
University of Miami School of Law
Richard Schifone
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Somerville, MA Bankruptcy Attorney with 26 years experience
(617) 776-7300 59 Union Square
Somerville, MA 02143
Free ConsultationBankruptcy and Real Estate
New England Law | Boston
Massachusetts Bankruptcy Attorney Providing Personal Bankruptcy Services Since 1996 Need to Stop a Foreclosure? Need Relief From Debts and Creditor Calls/Garnishment/Levy, etc.? Maybe Get Rid of a 2nd or 3rd mortgage? Reorganize Your Business? I am here to help you get a "fresh start" with your finances or deal with any bankruptcy related issues Free Initial Consults. Bankruptcy filing recommended only when it is your best option. Over15 years' experience handling exclusively bankruptcy cases for debtors and creditors, business and personal, under Chapters 7 and 13...
Paul McCarthy
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North Andover, MA Bankruptcy Attorney with 20 years experience
65A Flagship Drive
North Andover, MA 01845
Free ConsultationBankruptcy, Consumer, Foreclosure Defense and Real Estate
Massachusetts School of Law
Attorney Paul D. McCarthy is the Founder and Managing Partner of MAC Law Group, LLC. He has focused his practice of law on Bankruptcy, Foreclosure Defense, Asset Protection and Consumer Protection for more than 15 years. Prior to practicing law, Attorney McCarthy managed, operated and owned several real estate brokerages and mortgage banking companies. This experience gave him extensive knowledge in defending the public against abusive practices of mortgage lenders and real estate brokers. He is an active member of the National Association of Consumer Bankruptcy Attorneys (NACBA). He is regularly relied...
Patrick Mead
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Burlington, MA Bankruptcy Lawyer with 14 years experience
(781) 333-4139 New England Executive Park, Bldg.15 Regus
Burlington, MA 01803
Free ConsultationBankruptcy and Personal Injury
Jonathan N. Soto Esq.
Claimed Lawyer Profile
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Boston, MA Bankruptcy Attorney
(617) 807-0840 220 Commercial Street
Boston, MA 02109
Free ConsultationBankruptcy, Criminal, Family and Personal Injury
New England Law | Boston
James Benjamin
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Boston, MA Bankruptcy Attorney with 9 years experience
(617) 431-8071 90 Canal Street, 4th Floor
Boston, MA 02114
Bankruptcy, Divorce and Family
William C. Parks Esq.
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Boston, MA Bankruptcy Lawyer with 9 years experience
(800) 974-3281 100 State St, Suite 900
Boston, MA 02109
Free ConsultationBankruptcy and Employment
New England Law | Boston
Accessible, knowledgeable, and reliable, Mr. Parks is committed to his clients and is quickly becoming recognized as one of the best young attorneys in his field. Mr. Parks devotes most of his practice to bankruptcy and debt related work.
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Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

Salem Bankruptcy Legal Aid & Pro Bono Services

Neighborhood Legal Services, Inc.
(781) 599-7730
Lynn, MA


Volunteer Lawyers Project of the Boston Bar Association
(617) 423-0648
Boston, MA

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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.

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