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Firms and partnerships filing for bankruptcy normally opt to file below Chapter eleven, which delivers for supervised reorganization in the company. Professional bankruptcy counsel may help you Assess whether you'll want to go after a bankruptcy and also the Chapter below which to file. Bankruptcy lawyers might also help stop harassing cellular phone calls from financial debt collectors and Appraise available authorized selections when facing a home foreclosure. Automated keep: An injunction that quickly stops lawsuits, foreclosures, garnishments, and most collection exercise in opposition to the debtor The instant a bankruptcy petition is filed. Unsecured assert: A financial debt check here for which credit history was extended dependent solely on the creditor's assessment on the debtor's future capacity to pay, as an alternative to on a Specific assurance of payment.