Your bankruptcy attorney will often refer to the “bankruptcy petition” or simply the “petition.” It’s actually shorthand for the “Voluntary Petition, Statements and Schedules” as well as Certificates and Declarations and Summaries and Calculations and Lists, which constitute the initial package

  Debts or “claims” (as debts are referred to from a creditor’s perspective) can be classified in bankruptcy as either “consumer” or “non-consumer.” The distinction’s significant in terms of chapter 7 bankruptcy eligibility as well as the level of scrutiny by the