Spotsylvania County, Virginia Bankruptcy Lawyers

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Fredericksburg city County, VA Bankruptcy Lawyer with 33 years experience
(713) 501-8401 203 Princess Elizabeth Street
Fredericksburg, VA 22401
Bankruptcy, Business, Employment and Energy
Texas Tech University School of Law
Fredericksburg city County, VA Bankruptcy Lawyer
(540) 372-6831 725 Jackson St
Fredericksburg, VA 22401
Bankruptcy, Business, Estate Planning and Real Estate
James H. Wilson Jr.
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
Henrico County, VA Bankruptcy Attorney
(804) 740-6464 4860 Cox Rd
#200
Glen Allen, VA 23060
Free ConsultationBankruptcy, Divorce, Elder and Estate Planning
University of Richmond School of Law
Marshall Slayton
Claimed Lawyer ProfileSocial Media
Culpeper County, VA Bankruptcy Attorney with 24 years experience
(540) 827-4023 139 West Davis Street
#200
Culpeper, VA 22701
Free ConsultationBankruptcy
University of Virginia School of Law
If you are struggling under the weight of debt, you've come to the right place.

Have you been laid off? Do you have medical or credit card debt? Are you divorced and struggling to keep up with the bills? Have your wages been garnished or have you been threatened with foreclosure? We can help. At Slayton Law, we understand that knowledge is power and our goal is to show you exactly what your options are for debt relief.

We pride ourselves on listening and making sure we understand your individual situation so we can give you the best possible advice.

What...
Juan E. Milanes, Esq.
Claimed Lawyer ProfileQ&A
Fairfax County, VA Bankruptcy Lawyer with 25 years experience
(703) 880-4881 c/o Law Offices of Juan Milanes PLLC
1831 Wiehle Ave Ste 105
Reston, VA 20120
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
American University Washington College of Law
Mr. Milanes has built a solid reputation for outstanding legal work and inspirational management and mediation skills. Throughout his twelve year career with the United States Department of Justice, during which time he held several positions ranging from Federal Prosecutor to trainer for the Overseas Prosecutorial Development, Assistance and Training Office, Mr. Milanes appeared as lead counsel in several hundred cases, successfully trying several. He spent years working in various capacities in both the Washington, D.C. metro area and Suan Juan districts and, in addition to having significant legal connections and being a well-respected litigator in both jurisdictions,...
Young S. Song
Claimed Lawyer ProfileSocial Media
Fairfax County, VA Bankruptcy Lawyer with 20 years experience
(703) 354-1033 7002 Little River Turnpike, Ste. E
Annandale, VA 22003
Free ConsultationBankruptcy, Business, Divorce and Foreclosure Defense
The Catholic University of America Columbus School of Law
Divorce and Bankruptcy, with Dignity. Licensed in MD, VA, and DC, with offices in Ellicott City, Maryland and Annandale, Virginia.
Robert R Weed
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
(540) 771-5582 300 Garrisonville Rd
#200
Stafford, VA 22554
Stafford County, VA Bankruptcy Attorney with 43 years experience
Bankruptcy
University of Maryland - Baltimore
Robert Weed is one of Northern Virginia’s most experienced personal bankruptcy lawyers. During the debate in Congress on the 2005 bankruptcy reform, Robert Weed was interviewed on local and national TV and quoted in newspapers across the country. His blog on bankruptcy issues is read by more than five hundred people around the country, every day! It was recently described by a happy former client as “a Library of Congress of bankruptcy information.” Robert Weed was named bankruptcy lawyer of the month by the National Association of Consumer Bankruptcy Attorneys for April, 2006. NACBA previously...
Lynn A. Bradley
Claimed Lawyer ProfileSocial Media
Fluvanna County, VA Bankruptcy Lawyer
(434) 589-3636 265 Turkeysag Trail
Palmyra, VA 22963
Free ConsultationBankruptcy and Workers' Comp
University of Richmond School of Law
A 1993 graduate of the University of Richmond School of Law, Charlottesville attorney Lynn Bradley, has dedicated herself to fighting for the rights of Virginians.

Early in her career, she enjoyed a varied general practice with a heavy emphasis on litigation. She was exposed to many areas of the law and logged many hours in the courtroom. As time progressed, Ms. Bradley was able to identify her strengths and follow her interests. She now concentrates her practice in workers’ compensation and Bankruptcy.

Ms. Bradley has been with Tucker Griffin Barnes, P.C. since January, 1996. She...
Richard Clifford Pecoraro
Claimed Lawyer ProfileSocial Media
Chesterfield County, VA Bankruptcy Attorney with 16 years experience
(804) 464-3066 1700 Huguenot Rd, Suite B
Midlothian, VA 23113
Free ConsultationBankruptcy
University of Richmond School of Law and University of Cambridge
Rich Pecoraro has focused 100% of his practice on consumer bankruptcy Ch. 7 and Ch. 13 services since 2002. He strives to provide caring and attentive service to his clients, while maintaining a strong and progressive approach to his practice. Rich has helped thousands of Virginians resolve their debt and regain control of their finances in order to focus on the more important things in their lives. He was previously an associate at Boleman Law and a partner at the law firm of Chandler Pecoraro.
Robert L. Flax
Claimed Lawyer Profile
Richmond city County, VA Bankruptcy Attorney
(804) 355-8425 8 South Sheppard Street
Richmond, VA 23221
Free ConsultationBankruptcy, Family, Traffic Tickets and Workers' Comp
University of Richmond School of Law
Robert Flax represents drivers with speeding and, reckless driving charges. He appears in the Richmond, Virginia area courts of the City of Richmond, Henrico, Chesterfield, Hanover, Petersburg and Colonial Heights. Richmond Virginia area traffic courts hear thousands of cases a year. Interstates 64 and 95 run through it. Out of state drivers may receive higher fines and other punishment if they do not have a lawyer to show that the driver deserves leniency or is innocent. Reckless driving is a misdemeanor. A conviction of reckless driving or speeding might affect the driver’s employment and security...
James McMurray Johnson
Claimed Lawyer Profile
Prince William County, VA Bankruptcy Lawyer with 12 years experience
(703) 670-0761 13478 Minnieville Rd
Suite 204
Woodbridge, VA 22192
Free ConsultationBankruptcy, Criminal, DUI and Personal Injury
George Mason University School of Law
James M. Johnson graduated from James Madison University in with degrees in Biology and Economics. He received his Juris Doctor from the George Mason School of Law. James Johnson has worked at the outstanding law firms of Pfitzner & Morley, Johnson Ford Law, and now he is the managing attorney at the Johnson Law Firm, PC. He is admitted to practice in all Virginia courts, as well as the Federal and Bankruptcy courts of the Eastern and Western Districts of Virginia.
Ms. Rana Sneij Syriani Esq
Claimed Lawyer Profile
Fairfax city County, VA Bankruptcy Lawyer with 12 years experience
(703) 786-8340 10615 Judicial Drive 603
Fairfax, VA 22030-7500
Free ConsultationBankruptcy, Business, Divorce and Family
American University Washington College of Law
Attorney Rana Sneij Syriani is an experienced (Immigration, Family & Traffic Attorney), representing clients at the Law offices of American Lawyers Group, PLLC. She has extensive experience in the area of divorce law (contested and uncontested), child custody, child support, adoption, spousal support, property division and settlement and post judgment modifications and name changes and many other family law cases as listed below. Ms. Syriani will represent you, if you live in one of the following Virginia counties: Fairfax , Falls Church, Arlington, Loudoun, Vienna, Warren, King George, Fredericksburg, Spotsylvania, Prince William County, Culpeper and Stafford. Ms. Syriani...
Michael Jacob Owen Sandler
Claimed Lawyer ProfileSocial Media
Prince William County, VA Bankruptcy Lawyer with 18 years experience
(703) 967-3315 12801 Darby Brook Ct #201
Woodbridge, VA 22192
Free ConsultationBankruptcy and Divorce
Michael Sandler has been practicing bankruptcy law for over twelve years and has successfully represented hundreds of clients in his legal career. Mr. Sandler received his Bachelor of Arts degree in International Relations from The George Washington University in 1989, and his Juris Doctor from George Mason University in 1999. He is admitted to the Virginia Bar and all Virginia state courts, the Eastern and Western Districts or Virginia Bankruptcy Courts, the U.S. District Court for the Eastern District of Virginia, and the U.S. Court of Appeals, 4th Circuit. He is a member of the Northern Virginia Bank...
L. Ilaine  Upton
Claimed Lawyer ProfileQ&ASocial Media
Fairfax County, VA Bankruptcy Lawyer with 32 years experience
(571) 302-4886 7369 McWhorter Pl. #412
Annandale, VA 22003
Free ConsultationBankruptcy, Consumer and Foreclosure Defense
Tulane University School of Law
Beeraj Patel
Claimed Lawyer ProfileSocial Media
Fairfax city County, VA Bankruptcy Lawyer with 21 years experience
(703) 539-8093 3900 University Drive, Suite 100
Fairfax, VA 22030
Free ConsultationBankruptcy, Business and Immigration
The John Marshall Law School
As a first generation American, Attorney Beeraj Patel understands firsthand through life experience the struggles of all those who are entangled at any stage of the immigration process. He knows how difficult it can be for talented individuals coming from other nations to negotiate through the complicated and even daunting immigration system of the United States. This shared connection aids Beeraj in constantly improving his services as an immigration attorney. In addition to being an attorney, Mr. Patel is the featured writer on www.fairfaximmigrationfirm.com and www.fairfaxbankruptcylaw.com, where he blogs about immigration and bankruptcy law respectively. Beeraj Patel’s philosophy...
J. Brian Bailey
Claimed Lawyer ProfileSocial Media
Richmond city County, VA Bankruptcy Attorney with 6 years experience
(804) 251-8002 1011 E. Main St.
Ste. 204
Richmond, VA 23219
Free ConsultationBankruptcy, Appeals, Criminal and DUI
Regent University School of Law
Mr. Bailey received a B.A. in Government from The College of William and Mary before enrolling at Regent University School of Law. While studying law, he served as Judicial Clerk for the Honorable Robert J. Humphreys in the Court of Appeals of Virginia and interned at the Office of the Attorney General of Virginia. After receiving his J.D. from Regent, Mr. Bailey served three years as Law Clerk for the Chief Staff Attorney at the Supreme Court of Virginia, and was granted a Legal Fellowship at Virginia Commonwealth University before joining a local Richmond law firm focusing on...
Jacqueline Sharman
Claimed Lawyer ProfileSocial Media
Henrico County, VA Bankruptcy Lawyer with 13 years experience
(804) 755-7599 3957 Westerre Parkway
Suite 105
Richmond, VA 23233
Free ConsultationBankruptcy, Business, Divorce and Family
Regent University School of Law
I represent clients in a variety of legal areas. I regularly represent clients all over the Richmond area and I often travel as far east as Virginia Beach, as far north as Spotsylvania, as far west as Charlottesville and as far South as Dinwiddie. I assist clients with obtaining and defending protective orders, uncontested and contested divorce, spousal support, child custody, visitation and support, pre-nuptial agreements, property settlement agreements, Chapter 7 and Chapter 13 bankruptcy, criminal defense, business formation and dissolution and general civil litigation.
Ronald Allen Page
Claimed Lawyer ProfileSocial Media
Richmond city County, VA Bankruptcy Lawyer with 13 years experience
(804) 562-8704 919 E. Main Street, Suite 1000
Richmond, VA 23219
Free ConsultationBankruptcy and Business
Washington & Lee University
Areas of Practice:
Business and Consumer Bankruptcy, Business Planning, Commercial Litigation, and Creditors’ Rights.

Education:
J.D., Washington & Lee University School of Law, 2005
B.A., University of Michigan, Honors College, Double Major in Political Science and History, 1999

Honors:
Selected by Super Lawyers in 2012 – 2016 as a Virginia Rising Star in the Practice Area of Bankruptcy
Rated 10 out of 10 by Avvo.com, 2015 – 2018 Avvo Clients’ Choice Award

Professional Affiliations:
Virginia State Bar
District of Columbia Bar
Board of Governors, Virginia State Bar General Practice Section (2013 – Present) (Chair 2018 – Present)
Richmond Bar Association, Bankruptcy Section
American Bankruptcy Institute
Virginia State Bar Young Lawyers Conference, Chair First Day...
Ms. Lee Patrice Dunham Esq.
Claimed Lawyer ProfileSocial Media
Charlottesville city County, VA Bankruptcy Attorney with 15 years experience
(540) 317-3317 801 West Main Street
Suite 203
Charlottesville, VA 22903
Bankruptcy
University of Virginia School of Law
Suad Bektic
Claimed Lawyer ProfileSocial Media
Fauquier County, VA Bankruptcy Attorney with 3 years experience
(540) 349-3232 98 Alexandria Pike
Warrenton, VA 20186
Bankruptcy
Charlotte School of Law
Alexander Hamilton Ayers
Claimed Lawyer Profile
Richmond city County, VA Bankruptcy Lawyer with 10 years experience
710 N Hamilton St
Suite 300
Richmond, VA 23221
Bankruptcy, Business, Construction and Foreclosure Defense
Appalachian School of Law
Alexander was born and raised in the Richmond, VA area. He is an Eagle Scout and Member of the Order of the Arrow. Alexander attended the Virginia Military Institute on a lacrosse scholarship. After his Rat Year, Alexander transferred to Hampden Sydney College, where he graduated in 2002. Alexander worked as a law clerk for 3 years at Ayers & Stolte before attending Appalachian School of Law. He served as a law clerk for the Honorable John Alderman of Hanover Circuit Court in the Summer of 2007. Alexander graduated ASL with 112 hours of training in the theory, ethics and...
Syreeta Bailey Stewart
Claimed Lawyer ProfileSocial Media
Henrico County, VA Bankruptcy Lawyer with 9 years experience
(804) 572-4356 4860 Cox Road
Suite 200
Glen Allen, VA 23060
Bankruptcy, Divorce, Family and Traffic Tickets
University of Richmond School of Law
Syreeta Bailey Stewart, Esq. is an active member of her professional community focused on providing excellent client service. A proud “double-Spider,” Ms. Stewart graduated with cum laude honors from the University of Richmond’s T.C. Williams School of Law in 2010, after receiving her bachelor’s degree from UR’s Westhampton College in 2002, with double-majors in Political Science and Spanish, and a minor in Business Administration. Ms. Stewart has received several academic awards, including the Westhampton College Distinguished Leadership Award, the Women Involved in Leadership and Learning Award, and three CALI Excellence for the Future Awards for receiving the highest...
Matthew S. Throop
Claimed Lawyer ProfileSocial Media
Richmond city County, VA Bankruptcy Lawyer with 5 years experience
(804) 299-5222 530 East Main Street
Suite 1020
Richmond, VA 23219
Free ConsultationBankruptcy, Criminal, Family and Personal Injury
UDC David A. Clarke School of Law
Matthew is an attorney, and president and founder of Throop Law. Historically, his practice areas were focused in criminal and traffic defense, and family law. These days, however, Matthew focuses most of his attention on bankruptcy cases and growing the firm.

He grew up in the Portland, Oregon area, and after graduating from law school in Washington, D.C., relocated to Richmond, VA. to serve the legal community. Though his first careers were in business, Matthew loves the practice of law, and obtaining his law license in 2014 was the fulfillment of one of his lifelong dreams.

In 2014, he opened a solo...
Anna Drake Dunkum
Claimed Lawyer Profile
Henrico County, VA Bankruptcy Lawyer with 9 years experience
6800 Paragon Place
Suite 234
Richmond, VA 23230
Free ConsultationBankruptcy, Business, Collections and Foreclosure Defense
Elon University
Anna focuses her practice on individual consumer and business bankruptcies, tax compliance and controversy, corporate and business law, and estate planning and administration. Prior to joining Harry Jernigan CPA Attorney, P.C., Mrs. Dunkum was Staff Attorney for the Chapter 13 Trustee for the Middle District of North Carolina- Greensboro Division. Mrs. Dunkum is admitted to practice in the United States Bankruptcy Courts for the Eastern, Middle and Western Districts of North Carolina and the Eastern District of Virginia as well as all courts in the State of North Carolina and the Commonwealth of Virginia and U.S. Tax Court. ...
Deborah Nelson Arthur
Claimed Lawyer Profile
Fairfax County, VA Bankruptcy Lawyer with 37 years experience
(703) 658-6050 5031 Backlick Road
Annandale, VA 22003
Free ConsultationBankruptcy, Divorce, Estate Planning and Family
George Mason University School of Law
Deborah N. Arthur has built a long-standing reputation in the Fairfax County, Virginia community for being an attorney with a drive for success. Earning her B.S. in Business Administration from George Mason University in 1977, she continued her education, earning her J.D. from George Mason University in 1982, after spending two years at the Department of Justice. Since then, she has assisted those in need of legal representation in matters concerning divorce, bankruptcy, personal injury, family law, and estate matters. So, what separates Mrs. Arthur from the crowd?
She understands that bad things sometimes happen to good people. That's why she...
Richard Golden
Claimed Lawyer Profile
Fairfax city County, VA Bankruptcy Attorney with 47 years experience
(703) 691-0117 10627 Jones St
Suite 101B
Fairfax, VA 22030
Bankruptcy, Collections and Municipal
Wayne State University Law School
John C Morgan Jr.
Claimed Lawyer Profile
Fauquier County, VA Bankruptcy Attorney with 29 years experience
(540) 349-3232 98 Alexandria Pike
Suite 10
Warrenton, VA 20186
Free ConsultationBankruptcy
George Mason University School of Law
I wrote the book, "The Truth About Bankruptcy in Virginia" as a consumer guide to the very basics of bankruptcy, and to assist people with making informed choices about their financial future. Many people who would benefit from filing choose not to because of preconceived notions or bad advice. The book recently received the Literary Distinction Award for Literary Excellence and was featured on the cover of Attorney Magazine. Whether you are an attorney or a potential client, call our offices to get your questions answered. We are always looking for a new one!
Jessica R Clay Esq.
Claimed Lawyer Profile
Prince William County, VA Bankruptcy Lawyer with 11 years experience
(703) 754-0503 7430 Heritage Village Plaza
Suite 202
Gainesville, VA 20155
Free ConsultationBankruptcy, Criminal and Estate Planning
University of Baltimore School of Law
Lee Robert Arzt
Claimed Lawyer Profile
Henrico County, VA Bankruptcy Attorney with 46 years experience
(804) 282-9722 8900 Three Chopt Road
Richmond, VA 23229
Bankruptcy, Business, Divorce and Real Estate
College of William and Mary
Alexander Izaak Bozof
Claimed Lawyer ProfileSocial Media
Fairfax city County, VA Bankruptcy Lawyer with 11 years experience
(888) 270-0874 10521 Judicial Drive
Suite 305
Fairfax, VA 22030
Free ConsultationBankruptcy, Business, Communications and Trademarks
New York Law School
Kevin Michael Fitzpatrick Esq
Claimed Lawyer Profile
Fairfax city County, VA Bankruptcy Lawyer with 29 years experience
(703) 352-7150 4118 Leonard Dr
Suite 200
Fairfax, VA 22030
Bankruptcy, Business and Collections
George Mason University School of Law
Joseph Michael Langone
Claimed Lawyer ProfileSocial Media
Fairfax County, VA Bankruptcy Lawyer with 24 years experience
(703) 391-1161 9516C Lee Hwy.
Fairfax, VA 22031
Bankruptcy
Attorney Joseph M. Langone and Attorney Anthony A. Fasullo are the leading lawyers at the Fairfax law firm, Langone & Fasullo, PLLC. Mr. Langone is a former prosecutor, and together the lawyers have 25 years of combined legal experience. WhileLangone & Fasullo, PLLC is a full-service law firm, the attorneys devote a significant amount of attention to individuals facing legal matters involving bankruptcy and immigration law. To find out about the benefits of teaming up with a Fairfax bankruptcy lawyer, call Langone & Fasullo, PLLC today at (703)391-1161.
Sharon Choi Stuart
Claimed Lawyer ProfileSocial Media
Richmond city County, VA Bankruptcy Attorney with 18 years experience
(804) 221-2162 2222 Monument Avenue
Richmond, VA 23220
Free ConsultationBankruptcy and Foreclosure Defense
Are you considering filing for bankruptcy?...Life is full of surprises, and situations like a divorce, a job loss, or a medical emergency can place a heavy burden on your finances. When unexpected burdens arise, it can seem like all odds are against you, and you have nowhere to turn for help. If you're in danger of going into debt, or currently struggling to get out of debt, then speaking with a bankruptcy lawyer may be a wise decision to help better manage your debt, or give you a fresh start. Sharon Choi Stuart is the founder of Stuart Law...
Kara Jenkins
Claimed Lawyer ProfileSocial Media
Culpeper County, VA Bankruptcy Attorney with 11 years experience
(540) 825-7277 237 East Davis Street
Suite 200
Culpeper, VA 22701
Bankruptcy, Business, Collections and Consumer
Vermont Law School
Ms. Jenkins has been practicing law in Virginia since 2008 when she was admitted to the Virginia State Bar. She is also admitted in the U.S. Bankruptcy Court for the Western District of Virginia and the U.S. Bankruptcy Court for the Eastern District of Virginia. She is experienced in various practice areas such as family law, construction law, landlord/tenant actions, estate administration, debt collection, and bankruptcy. She has appeared in Virginia juvenile and domestic relations district court, general district court, circuit court, and the Virginia Supreme Court.
Scott Alan Weible Esq.
Claimed Lawyer Profile
Prince William County, VA Bankruptcy Lawyer with 36 years experience
(703) 754-2092 14540 John Marshall Highway
Suite 201
Gainesville, VA 20155-1693
Free ConsultationBankruptcy
David Colin Jones
Claimed Lawyer Profile
Fairfax city County, VA Bankruptcy Attorney with 24 years experience
(703) 273-7350 10617 Jones St
Suite 301-A
Fairfax, VA 22030
Free ConsultationBankruptcy, Criminal, DUI and Traffic Tickets
University of Virginia School of Law
Mr. Jones has lived in Fairfax most of life, graduating from Lake Braddock in 1987. He resides in the area with his wife and two children. Mr. Jones coaches Little League baseball and youth basketball. He is an avid UVA basketball fan.
Tammy Sossei
Claimed Lawyer Profile
Henrico County, VA Bankruptcy Attorney
(804) 593-4141 4114 E. Parham Road
Suite C
Richmond, VA 23228
Bankruptcy, Criminal, Divorce and Family
Regent University School of Law
Kelly Gurley Roberts
Claimed Lawyer Profile
Albemarle County, VA Bankruptcy Attorney
(434) 973-7474 307 W Rio Rd
Charlottesville, VA 22901
Bankruptcy, Business, Collections and Consumer
Regent University
John D Sawyer
Claimed Lawyer Profile
Fairfax city County, VA Bankruptcy Attorney with 43 years experience
(703) 893-0760 10605 Judicial Drive
Suite B-2
Fairfax, VA 22030
Free ConsultationBankruptcy
Georgetown University Law Center and New England Law | Boston
I have an accounting, business, marketing and tax background and concentrate in consumer bankruptcy, Ch's 7, 11 and 13.
Trevor B. Reid
Claimed Lawyer Profile
Henrico County, VA Bankruptcy Attorney with 10 years experience
(804) 261-7323 6802 Paragon Place, Suite 300
Richmond, VA 23230
Bankruptcy, Business and Real Estate
University of Richmond School of Law
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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.