Neah Bay Bankruptcy Lawyers

Compare top rated Washington attorneys serving Neah Bay.
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Edward James Barton
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Edward James Barton
Anacortes, WA Bankruptcy Attorney with 9 years of experience
(360) 230-8577 15751 North Deception Shores Drive
Anacortes, WA 98221
Free ConsultationBankruptcy and Tax
Northwestern California University
Ed brings more than 25 years of turnaround management, financial and executive management experience to bear for his clients, and has managed a broad range of financial roles — from leading and managing accounting and finance teams, tax consulting, audit preparation, management and design, bookkeeping and tax preparation, risk management, underwriting and modeling functions of a large consumer credit debt buyer to equity structured finance commitments, as well as overseeing multiple audits for PCI DSS compliance and SAS 70 certification.

Ed worked with small and mid-sized businesses, providing consulting on tax planning, financial operations and transactions structuring with CFO Selections in...
Jennifer Brainard
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Jennifer Brainard
Oak Harbor, WA Bankruptcy Lawyer with 45 years of experience
(360) 675-7860 840 SE 8th Suite 205
Oak Harbor, WA 98277
Bankruptcy, Business, Estate Planning and Family
Jennifer Brainard graduated from University of Washington School of Law and was admitted to the Washington State Bar in 1980. After practicing in the Seattle area for over 20 years she returned to Oak Harbor, Washington, where she grew up. She practices law with an emphasis in these areas: Estate Planning, Family Law, Business, Bankruptcy, and Real Estate. She is President of the Island County Bar Association, sits as a Pro Tem Judge in Island County District Court and volunteers at the Volunteer Lawyer Program. She speaks to groups on Family Law and Bankruptcy and is an advisor for small...
Mary Elizabeth Schmitt
Friday Harbor, WA Bankruptcy Lawyer with 32 years of experience
(360) 298-5514 232 A St Unit 6B
Friday Harbor, WA 98250
Bankruptcy, Business, Consumer and Estate Planning
William Jeffrey Davis
Sequim, WA Bankruptcy Lawyer with 43 years of experience
(360) 683-1129 720 E WASHINGTON ST STE 105
Sequim, WA 98382
Bankruptcy, Collections, Consumer and Foreclosure Defense
Forest W Worgum III
Aberdeen, WA Bankruptcy Attorney with 21 years of experience
(360) 537-3232 200 E Market St Rm 308
Aberdeen, WA 98520
Bankruptcy, Criminal, Divorce and Family
Michael Antonio Valdez
Ocean Shores, WA Bankruptcy Lawyer with 48 years of experience
(360) 289-2411 781 Point Brown Avenue NW
Ocean Shores, WA 98569
Bankruptcy, Business, Estate Planning and Foreclosure Defense
Bruce T. Thurston
Freeland, WA Bankruptcy Lawyer with 60 years of experience
(425) 295-1702 4152 Beach Dr
Freeland, WA 98249
Bankruptcy and Collections
Mark David Nusz
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Mark David Nusz
Oak Harbor, WA Bankruptcy Attorney with 8 years of experience
(360) 899-5468 Oak Harbor, WA 98277
Free ConsultationBankruptcy, Estate Planning, Probate and Tax
University of Washington School of Law and Sandra Day O'Connor College of Law, Arizona State University
Attorney Mark D. Nusz works hard to resolve your toughest problems - the ones that keep you awake at night. He strives to set the foundation for clients to prepare for a secure and successful future while clearing away the problems from the past. Whether it is reduction of debt, major tax issues with the IRS , or structuring an effective estate plan, he will sit down with you one-on-one and help you figure a way to achieve an excellent outcome.

A graduate of the University of Washington's Tax Law LL.M program, Mr. Nusz has extensively studied...
Richard Symmes
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Richard Symmes
Seattle, WA Bankruptcy Attorney with 16 years of experience
(206) 682-7975 1818 Westlake Ave N., Suite 202
Seattle, WA 98109
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy, Estate Planning, Foreclosure Defense and Real Estate
The University of Denver Sturm College of Law and University of Washington
Richard J. Symmes, Esq. is a Seattle native and the managing attorney at Symmes Law Group, PLLC. Mr. Symmes currently focuses his practice on bankruptcy, foreclosure defense, debt settlement and real estate matters. Mr. Symmes is an experienced bankruptcy advocate, having filed and prepared over one thousand bankruptcy petitions which resulted in bankruptcy discharges for his clients, negotiated millions of dollars in debt settlement savings for his clients and has also advocates on behalf of his clients in various real estate purchase and sale matters. Having obtained a managing real estate brokers license, Mr. Symmes can act as your...
David C. Smith
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David C. Smith
Tacoma, WA Bankruptcy Attorney with 24 years of experience
(253) 272-4777 201 St Helens Ave
Tacoma, WA 98402
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy and Business
Seattle University School of Law
For over 20 years I have represented individuals and businesses with debt issues. Chapter 7, 11, 13 and now the Small Business Subchapter 5. My passion for helping people will turn the burden of financial uncertainty into relief by taking that burden and finding solutions to a better financial future.

David has been practicing law since 2000 following a career as a computer consultant and manager of a computer department for an insurance company. He has a high rating on avvo.com and is a respected professional among his peers.

He and his office also volunteer and participate in pro-bono work...
Robert C. Hahn III
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Robert C. Hahn III
(509) 921-9500 2906 N. Argonne
Spokane, WA 99212
Free ConsultationSpokane, WA Bankruptcy Lawyer with 27 years of experience
Bankruptcy, Medical Malpractice and Personal Injury
Gonzaga University School of Law
The law office of Robert C. Hahn, III, P.S. is one of the top law firms in the Spokane area. We genuinely care about our clients and are willing to go the extra mile. Because of this outstanding service, Robert has been recognized as one of Spokane’s Top Lawyers from 2011-2020 by Spokane-Coeur d’Alene Living Magazine. We are a full-service law firm that provides a range of quality legal services with a particular emphasis in bankruptcy and personal injury. Robert is a highly rated and skilled attorney with over 23 years of experience filing chapter 7 bankruptcy and chapter...
Steven Marlow Palmer
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Steven Marlow Palmer
Lynnwood, WA Bankruptcy Attorney with 15 years of experience
(425) 409-2745 3400 188th St SW
Suite 565
Lynnwood, WA 98037
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy
University of Akron School of Law
I primarily practice bankruptcy and real estate law and have represented both debtors and creditors over the last 14 years. My practice includes helping both individuals and small businesses restructure and reorganize or wipe out their debts. I am admitted to practice in Washington, Ohio, and the Northern and Southern Districts of Indiana.
Emily  Rose
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Emily Rose
Bellingham, WA Bankruptcy Lawyer with 11 years of experience
(360) 685-0145 1313 E Maple St
#400
Bellingham, WA 98225
Offers Video ConferencingVideo ConfBankruptcy, Business, Estate Planning and Probate
Washington State Bar Association Law Clerk Program
CAREER: Before becoming an attorney, Emily worked in a church nursery; at Taco Bell (for just one day, ask her about it sometime); as a library paraprofessional at the Bellingham and Fairhaven Public Libraries; and as an office administrator. In 2007, Emily joined the law firm of Britain, Gallery & Vis in Bellingham as a paralegal. Over seven years BGV, Emily not only learned everything she knows about estate planning, probate, business and bankruptcy law but also completed the Washington State Law Clerk Program and passed the Bar Exam to become an attorney. Emily launched Limitless Law PLLC in 2014. EDUCATION:...
Nicholas Price
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Nicholas Price
Seattle, WA Bankruptcy Lawyer with 11 years of experience
(206) 539-1661 1736 NW Market St.
Seattle, WA 98107
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy
Harvard Law School
Born in Tacoma, Nick is a life-long Washingtonian.

He knows first-hand how difficult it can be to make ends meet; he weathered the Great Recession with his family, and grew up in a middle-class neighborhood in Spokane where everyone took care of each other.

For that reason, Nick has always gravitated toward helping others. After paying his way through college at the University of Washington by working 30 hours a week as a telemarketer, he attended Harvard Law School where he focused on all things having to do with money and families.

After graduating from Harvard Law School, Nick was fortunate enough...
Casey A Quiroga
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Casey A Quiroga
Kennewick, WA Bankruptcy Lawyer with 17 years of experience
(509) 570-1451 7101 W. Hood Place
Suite B-201
Kennewick, WA 99336
Bankruptcy and Immigration
Gonzaga University School of Law
Jason S. Newcombe
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Jason S. Newcombe
(844) 925-2943 1700 SE Mile Hill Drive #207A
1700 SE Mile Hill Drive #207A , WA
Port Orchard, WA 98366
Free ConsultationOffers Video ConferencingVideo ConfPort Orchard, WA Bankruptcy Lawyer with 27 years of experience
Bankruptcy, Consumer, Criminal and Foreclosure Defense
Boston College
We are a dedicated team of legal professionals who are here to help you in your time of need and crisis. Our Washington State lawyers have the resources, the knowledge, and the experience to assist you with your legal matter in our practice areas.
Heather C. Ramirez
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Heather C. Ramirez
Seattle, WA Bankruptcy Attorney with 17 years of experience
(206) 202-2215 600 University Street
Suite 3010
Seattle, WA 98101
Offers Video ConferencingVideo ConfBankruptcy, Elder, Estate Planning and Probate
Seattle University School of Law
After being admitted to the Washington State Bar Association, Ms. Ramirez practiced law in the private sector with emphasis on family law, bankruptcy, estate planning and elder law matters. Ms. Ramirez compassionately advocates on behalf of her clients while she assists them in successfully resolving difficult disputes and navigating through litigation and complex legal issues.

Professional Memberships/Organizations
Ms. Ramirez is licensed to practice in the State of Washington and the United States District Court. She is also a member of the following professional associations:
Washington State Bar Association, Member
King County Bar Association, Member
Tacoma-Pierce County Bar Association, Member

Education
Seattle University School of Law,...
Edgar Hall
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Edgar Hall
Everett, WA Bankruptcy Lawyer with 16 years of experience
(206) 535-2559 1721 Hewitt Ave Suite 412
Everett, WA 98201
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
University of San Diego School of Law
My practice is focused is focused on resolving debt issues, protecting assets, and litigation regarding the same for individuals and small to mid size businesses. Prior to founding Washington Debt Law, PLLC, I worked at one of the largest creditor side law firms, representing financial institutions in bankruptcy, eviction, foreclosure, and litigation matters. Having both creditor and debtor side experience brings a nuanced approach in dealing with creditors as I am familiar with their tactics, budgets, resources, and how best to find an effective approach. Our major solutions focus on litigation, settlement, bankruptcy, and out of court...
Brittany Cline
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Brittany Cline
Poulsbo, WA Bankruptcy Attorney with 14 years of experience
(360) 850-1049 17791 Fjord Drive NE
Suite 154
Poulsbo, WA 98370
Bankruptcy
University of Baltimore School of Law
Ms. Cline has been serving clients on the Kitsap Penninsula since 2010. She has provided compassionate legal advice and service to individuals struggling financially through her bankruptcy and distressed real estate practice. Additionally, Ms. Cline enjoys a diverse practice including estate planning, business transactions, real estate and contract law.
Erin Bradley McAleer
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Erin Bradley McAleer
Vancouver, WA Bankruptcy Lawyer with 14 years of experience
(360) 334-6277 2418 Main Street
Vancouver, WA 98660
Free ConsultationBankruptcy and Criminal
Western Michigan University Cooley Law School and Western Michigan University Cooley Law School
Attorney McAleer has primarily devoted his practice to criminal defense with a focus on defending those accused of sex crimes and other major felony crimes. Attorney McAleer’s approach to these cases and attention to detail has earned him a local, state and national reputation which was achieved by passionately representing hundreds of clients charged with essentially every type of criminal offense.
John Spalding
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John Spalding
Spokane, WA Bankruptcy Lawyer with 1 year of experience
(509) 505-0649 100 N HOWARD ST
Suite 5297
Spokane, WA 99201
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy
Mitchell Hamline School of Law
What makes me different is the personal service I provide to every client. All clients get my mobile number and email, so they can reach me when the inevitable panic attack happens. Before I became a lawyer, I worked as a paralegal in New York "big law" as well as for a few different small firm and solo practice lawyers. What I lack in decades of practice experience, I make up for with my tenacity and my client-friendly fees. Right now, I am looking to make a name for myself, which means that my clients get my A-game. I am also a...
Jeremy Scott Hyndman
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Jeremy Scott Hyndman
Walla Walla, WA Bankruptcy Attorney with 16 years of experience
(509) 529-0630 6 1/2 N. 2nd Ave. Suite 200
Walla Walla, WA 99362
Bankruptcy, Real Estate, Securities and Stockbroker Fraud
Emory University School of Law
My practice focuses on estate planning and helping investors recover losses caused by unethical or incompetent financial advisers. I am the managing attorney at Basalt Legal PLLC, a law firm nestled in Washington wine country but serving clients throughout Washington State and California.
Timothy John Carlson
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Timothy John Carlson
Yakima, WA Bankruptcy Attorney with 45 years of experience
(509) 834-6611 230 S 2nd St
Yakima, WA 98901
Bankruptcy, Business, IP and Tax
Gonzaga University
Substantial experience in Federal Court Litigation.Practice Areas Commercial Litigation(25%); Agricultural Law(20%); Real Estate; Estate Planning; Chapter 11(20%); Intellectual Property Litigation (Patent, Copyright, Trade Secrets)(15%); Environmental Litigation and Compliance(15%); Bankruptcy Law(5%)
Matthew R Kaminski
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Matthew R Kaminski
Yakima, WA Bankruptcy Attorney with 15 years of experience
(509) 903-9500 212 N Naches Ave
Yakima, WA 98901
Offers Video ConferencingVideo ConfBankruptcy, Divorce, Domestic Violence and Family
Florida A&M University College of Law
Matthew Kaminski was born and raised in South Florida, attending the University of Florida for undergrad and then Florida A&M College of Law for his Juris Doctorate.

After two years of practice, he relocated to Washington State and began a law office in the Belltown neighborhood of Seattle. Mr. Kaminski was later recruited to assist Ashby Law as a senior managing attorney in order to help develop their office, including their Yakima office.

Mr. Kaminski fell in love with Yakima and the surrounding Valley and with the assistance of his partner Brooke Barnes founded Yakima Law PLLC.
Alykhan Anil Sunderji
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Alykhan Anil Sunderji
Seattle, WA Bankruptcy Lawyer with 14 years of experience
(206) 339-5252 1320 E. Pike St.
Seattle, WA 98122
Offers Video ConferencingVideo ConfBankruptcy, Business, Communications and Trademarks
University of Toronto, Faculty of Law
Alykhan Sunderji has over a decade of experience advising businesses large and small. Prior to founding Sunder Legal, Alykhan led the legal team for Amazon Fashion, the largest apparel retailer in the United States. Before fashion, Alykhan led the legal team for Amazon Canada, the largest e-commerce retailer in Canada. Alykhan started his legal career at Paul, Weiss, Rifkind, Wharton & Garrison in New York City, where he practiced Mergers & Acquisitions. During this time, Alykhan worked closely with the investment teams at Apollo Global Management. Alykhan obtained his law degree from the University of Toronto, Faculty of Law,...
Darcel Lobo
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Darcel Lobo
Normandy Park, WA Bankruptcy Attorney with 15 years of experience
(206) 408-8158 19803 1st Avenue S.
Suite 200
Normandy Park, WA 98148
Bankruptcy, Estate Planning and Real Estate
Seattle University School of Law
Darcel Lobo has served Normandy Park and the surrounding area’s legal needs since 2009. After working with other firms, she founded to better serve her clients. Darcel was born and raised in the area and is a graduate of Seattle University and Seattle University School of Law. She is admitted to practice in Washington, as well as in the United States District Court for the Western District of Washington.

Darcel prides herself on her legal work, bringing practical solutions to real-life issues and helping clients plan for their financial future. She provides legal guidance in real estate matters and bankruptcy as...
Barry W. Davidson
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Barry W. Davidson
Seattle, WA Bankruptcy Lawyer with 47 years of experience
(844) 624-4600 1700 Seventh Avenue
Suite 2100
Seattle, WA 98101
Free ConsultationBankruptcy
Gonzaga University School of Law
Mr. Davidson represents financially distressed individuals and businesses in bankruptcy proceedings, including complex Chapter 11 reorganizations. Barry also serves as a state court receiver, and represents other parties that serve as a receiver. Mr. Davidson has additional significant experience representing commercial borrowers and guarantors in the negotiation of loan restructurings and workouts. Although a Chapter 11 bankruptcy attorney at heart, Barry’s practice is focused on resolving troubled debt outside of court whenever possible. If a restructuring can’t be accomplished in the best interests of the borrower or guarantor, Mr. Davidson has the experience and background to go the distance...
Susan Skelton
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Susan Skelton
Everett, WA Bankruptcy Lawyer with 21 years of experience
(360) 822-7224 1812 Hewett Ave #210
Everett, WA 98201
Bankruptcy, Collections, Estate Planning and Foreclosure Defense
Saint Louis University School of Law
Susan E. Skelton
“A Lawyer you can talk to.”

Practicing Law in Everett and Snohomish, WA

I graduated law school in 2003 in St. Louis, MO and opened my own firm, where I focused on personal bankruptcy (Chapters 7 and 13), debtor defense/consumer law, and estate planning, including wills, trusts, durable power of attorneys and probate matters. I had a very successful law firm for over 10 years in St. Louis, prior to moving to Washington.

My family and I moved to Snohomish in September 2013. For several years, I stayed at home with my young children and was extremely active in non-profit work...
Timothy Wilson
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Timothy Wilson
Bremerton, WA Bankruptcy Attorney with 27 years of experience
(360) 616-0675 409 Pacific Ave
#304
Bremerton, WA 98337
Free ConsultationBankruptcy
William Mitchell College of Law
My law practice is different than many law firms in that I personally prepare most of the bankruptcy documents with my client's involvement (as opposed to just handing over the case to a paralegal or legal assistant).

When clients have questions or concerns they speak directly to me. Although I have a busy law practice, I do not operate my firm as a "mill" but rather I strive to focus on each individual client's concerns.

The Law Office of Timothy Wilson is devoted to representing only individuals in need of filing either a Chapter 7 or Chapter 13 bankruptcy. I have...
Paul Richmond
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Paul Richmond
Bellingham, WA Bankruptcy Lawyer with 22 years of experience
(360) 392-3911 114 W. Magnolia, Suite 434
Bellingham, WA 98225
Bankruptcy, Consumer, Divorce and Foreclosure Defense
University of Washington School of Law
I will work with you to get the best result possible for your situation. I begin all my work with an intake which I do at reduced rate to assess your situation. I start by seeing what you would like to resolve and work to bring a result as close to this as possible. I am a creative, out of the box thinker and am often able to obtain the solution my clients are looking for quickly and simply. I have worked on smaller simpler cases, as well as those that impact policy on local, state and federal levels. While...
David A. Kubat
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David A. Kubat
Seattle, WA Bankruptcy Lawyer with 40 years of experience
(888) 545-8394 2634 Thorndyke Avenue W. #201
Seattle, WA 98199
Free ConsultationBankruptcy, Business and Personal Injury
Tulane University School of Law and Willamette University College of Law
I have been practicing bankruptcy and personal injury law in Seattle for over 31 years. I have helped over 5000 individuals get debt free or receive fair compensation for their personal injuries.
Erin Lane
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Erin Lane
(855) 923-3283 1700 SE Mile Hill Dr
#207B
Port Orchard, WA 98366
Free ConsultationOffers Video ConferencingVideo ConfPort Orchard, WA Bankruptcy Lawyer with 14 years of experience
Bankruptcy
Western Washington University
Erin Lane is one of the founding partners of Washington Law Group. She is caring, compassionate, and devoted to her clients. She came from a working class background and understands that money doesn't grow on trees. This is part of why she ended up thriving in her bankruptcy practice. She loves helping good people get back on their feet.

She thrives on helping honest and hard-working folks, who, often through no fault of their own, suddenly find themselves falling on hard times. Bankruptcy is one of the most powerful financial tools on the planet. And, Erin knows the bankruptcy code like...
Lisa S Tse
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Lisa S Tse
Bellevue, WA Bankruptcy Lawyer with 13 years of experience
(425) 559-0636 40 Lake Bellevue Drive Suite 100
Bellevue, WA 98005
Free ConsultationBankruptcy and Foreclosure Defense
Washburn University School of Law
My name is Lisa S. Tse and I was born and raised in Moses Lake, WA. I moved to Bellevue, WA for high school and attended the University of Washington at Seattle, WA. I went to Washburn University School of Law in Topeka, KS. This was the same alma mater that my father went to as an undergraduate. My father was an art professor at the local community college for 30 plus years. Growing up in a small town, living in a growing mid-size town, and then moving to the midwest, I have seen how Americans live and lead their...
Aaron Nielson
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Aaron Nielson
Redmond, WA Bankruptcy Lawyer with 21 years of experience
(425) 533-4476 8201 - 164th Ave NE # 200
Redmond, WA 98052
Bankruptcy, Criminal, DUI and Foreclosure Defense
Oklahoma City University School of Law
Aaron began his career as a city prosecutor and then transferred to prosecuting felony crimes for the government. Aaron then went into private practice continuing to work on criminal matters including DUIs, Sex Crimes, White Collar Crimes, Drug Distribution, and more. He expanded his practice by becoming licensed in Utah and Washington and operating offices in both states. The firm expanded from just handling criminal matters to including bankruptcy, wills & estates, family law including divorce, child custody, and parental rights with all areas of criminal law. Aaron held many contracts working with the government including as a public...
Shane P. Coleman
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Shane P. Coleman
Spokane, WA Bankruptcy Lawyer with 22 years of experience
(509) 535-6266 3021 South Regal, Ste. 101
Spokane, WA 99223
Free ConsultationBankruptcy, Collections, Estate Planning and Probate
University of Washington School of Law and Gonzaga University School of Law
Attorney Shane P. Coleman (Shane) was born in St. Paul, Minnesota and was raised in Salt Lake City, Utah. He began his legal career as an in-house attorney for first an insurance company and then with a national mortgage servicer where he managed and negotiated claims, lawsuits, bankruptcy and adversarial matters covering all aspects of consumer lending law and managed litigation for the company. Shane relocated to Spokane, Washington to accept an attorney position with the oldest law firm in Washington and the largest in Eastern Washington. His practice built upon his experience in consumer lending...
John Tollefsen
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John Tollefsen
Seattle, WA Bankruptcy Attorney with 50 years of experience
(206) 624-5300 800 5th Avenue, Suite 4100
Seattle, WA 98104
Bankruptcy, Appeals, Business and International
Suffolk University, Willamette University and University of Washington School of Law
John is a international lawyer with multiple post graduate degrees from both U.S. and European schools. He is a certified Fraud Examiner and Certified Controls Specialist. He has extensive multifaceted experience in business law and litigation.
Ryan Hackett
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Ryan Hackett
Vancouver, WA Bankruptcy Attorney with 20 years of experience
(360) 213-2722 4400 NE 77th Ave, Ste #275
Vancouver, WA 98662
Free ConsultationOffers Video ConferencingVideo ConfBankruptcy
University of Oregon School of Law
Ryan practices exclusively in the area of consumer bankruptcy. Ryan has represented thousands of debtors in bankruptcy matters in Oregon and SW Washington. Ryan handles chapter 7 and chapter 13 bankruptcy cases.
Kenneth Berger
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Kenneth Berger
Monroe, WA Bankruptcy Attorney with 29 years of experience
(360) 794-6083 148 Woods St
Monroe, WA 98272
Bankruptcy, Business, Divorce and Estate Planning
Nova Southeastern University
Mr. Kenneth A. Berger has a wide range of legal talents. He enjoys tough courtroom litigation. He also attempts to problem solve potential legal problems before they become more extensive. Mr. Berger has a Juris Doctor degree from Nova Southeastern University. He is a member of the Washington State Bar Association, and the Snohomish County Bar Association. Mr. Berger is also licensed to practice in Western Washington and Eastern Washington District Courts. He has practiced law in Washington State since 1995. You may have also seen Mr. Berger's name in another context. He has been active as a local governmental official....
Fred Martens
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Fred Martens
Bellevue, WA Bankruptcy Attorney with 15 years of experience
(206) 300-2733 14040 NE 8th St.
Suite 211
Bellevue, WA 98007
Free ConsultationBankruptcy, Business and Consumer
Seattle University School of Law
The Law Office of Fred Martens offers consumers and small business clients effective legal representation with personal service in the following practice areas: Consumer Law & Debt / Collections Defense; Chapter 7 & 13 Bankruptcy
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