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Mrs. Chirnese L Liverpool
Bell Gardens, CA Bankruptcy Attorney with 16 years of experience
Free ConsultationBankruptcy
North Carolina Central University School of Law
I am an experienced bankruptcy and adoption lawyer. I am licensed in California and Nevada so I handle cases in both states. I understand all of the steps and important matters relating to these legal proceedings. I have represented hundreds of debtors and adoption clients. Please feel free to call (818) 714-2200 or e-mail us for a FREE consultation or visit our websites http://www.liverpoollegal.com for more information.
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Igor Drabkin
Beverly Hills, CA Bankruptcy Attorney with 26 years of experience
Bankruptcy and Tax
Pepperdine University School of Law
Igor S. Drabkin is a principal of Holtz, Slavett & Drabkin, A Professional Law Corporation, and a former IRS Senior Trial Attorney. Igor devotes his skills and experience to representation of clients in disputes with the Internal Revenue Service and State tax authorities, both administratively and in court. He litigates tax cases in all federal and state courts. In addition, Igor represents clients in tax audits, fraud and criminal investigations, tax appeals and collection matters. He appears frequently before the Internal Revenue Service, the California Franchise Tax Board, the Employment Development Department, and the State Board of Equalization.
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Nima Stephen Vokshori
Los Angeles, CA Bankruptcy Lawyer with 18 years of experience
Free ConsultationBankruptcy, Consumer and Real Estate
UCLA School of Law
As a child I immigrated to Los Angeles with my family. Living in a predominately white area I saw at a young age the negative effects of racism. This racism forced me to win people over not with the color of skin but with hard work and a smile on my face. This period of my life instilled in me an 'under dog' attitude. I will always respect and lookout for those that are less fortunate. My first stab at a professional career began when I was a teenager working for a financial company. The company was supposed to...
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Rajesh Wadhwani
Ontario, CA Bankruptcy Lawyer with 28 years of experience
Free ConsultationBankruptcy and Tax
Southwestern Univ School of Law
Raj Wadhwani is a Southern California bankruptcy lawyer and a founding shareholder at the firm Wadhwani & Shanfeld. Attorney Wadhwani has more than 17 years of experience practicing as an attorney. He has a Bankruptcy Board Certification from the American Board of Certification, and he is also a licensed real estate broker. Mr. Wadhwani received his J.D. from the Southwestern University School of Law. Get in touch with his firm for a no-cost case evaluation.
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Tamar Terzian
PASADENA, CA Bankruptcy Lawyer with 18 years of experience
Free ConsultationBankruptcy, Real Estate and Tax
Western Michigan University Cooley Law School
Mrs. Terzian is the founder and partner of Terzian Law Group, APC. Mrs. Terzian represents a variety of clients ranging from individuals, trustees to small businesses. Mrs. Terzian’s experience includes prominent restructurings in chapter 11 cases, business litigation, representation of creditors committees, debtors and institutional clients. Mrs. Terzian is recognized as Top Attorney 2015 from Pasadena Magazine.
Mrs. Terzian was a Judicial Extern to the Honorable Robert W. Alberts, United States Bankruptcy Court, Central District of California. Mrs. Terzian later served as a Judicial Law Clerk to the Honorable Robert N. Kwan, United States Bankruptcy Court, Central...
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Joshua R. Driskell
Pasadena, CA Bankruptcy Attorney with 14 years of experience
Bankruptcy, Business, Real Estate and Tax
University of Toledo
Mr. Driskell focuses his practice on business, tax, estate, bankruptcy and related matters. He is a member of the Pasadena Bar Association, the Los Angeles County Bar Association and the California Bar Association. Prior to the formation of Primuth & Driskell, LLP with Partner Jonathan Primuth in 2014, Mr. Driskell worked at a multi-state law firm, handling a wide variety of matters for individuals and small and medium sized businesses. Mr. Driskell earned his juris doctor from the University of Toledo College of Law, where he was president of the American Bar Association-Law School Division and was a member, officer...
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Jessica Mercado
Long Beach, CA Bankruptcy Lawyer with 18 years of experience
(562) 624-2805
444 West Ocean Boulevard, Suite 800
Long Beach, CA 90802
Bankruptcy and Immigration
American COL
Ms. Mercado, the founder of the Mercado Law Firm, speaks fluent Spanish and has practiced law since 2006. Ms. Mercado received her Juris Doctor degree from American College of Law in Anaheim. She received her undergraduate degree from the University of Judaism in Bel Air.
Ms. Mercado has appeared before the Immigration Court in Los Angeles representing non-detained clients at Master Hearings and Individual Hearings. She has also represented clients at Asylum Interviews, Adjustment of Status Interviews and Naturalization Interviews. Additionally, Ms. Mercado has represented detained clients in Bond Hearings, Master Hearings and...
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Julie Moradi
Cerritos, CA Bankruptcy Lawyer with 16 years of experience
Free ConsultationBankruptcy
Loyola Law School, Los Angeles
Julie J. Moradi has helped hundreds of clients with foreclosure prevention, bankruptcy debt relief, and asset protection, throughout Southern California. Ms. Moradi specializes in Chapters 7, 11 and 13 bankruptcy cases, as well as home loan modifications, and foreclosure defense.
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Bahram Madaen
Anaheim, CA Bankruptcy Attorney with 21 years of experience
Free ConsultationBankruptcy and Real Estate
Southwestern University School of Law
Attorney Madaen has been active in litigation whether in Bankruptcy, real estate, or contract litigation since becoming attorney in February of 2004. He attended California State University Los Angeles for his undergrad school in international business and economy. He have been constantly in trade and business and he was the owner of several businesses. He speaks Spanish and Farsi. He strive to give the best services to clients.
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Mr Rex Tran
Santa Ana, CA Bankruptcy Attorney with 16 years of experience
Free ConsultationBankruptcy
California Western School of Law
PROFESSIONAL EXPERIENCE Since becoming a member of the California Bar, Rex Tran has focused his practice on representing consumer debtors in bankruptcy. Before starting this law firm, Mr. Tran was a Managing Attorney for Jacoby and Meyers Bankruptcy Law, LLP (formerly Macey Bankruptcy Law, PC) from 2010 through 2012. To date, Mr. Tran has handled over 650 bankruptcy cases. As a Managing Attorney, Mr. Tran not only handled matters personally, but also trained staff and attorneys in all aspects of bankruptcy. Additionally, Mr. Tran also has experience in business civil litigation and personal injury claims...
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Kevin Hahn
Tustin, CA Bankruptcy Attorney with 20 years of experience
Free ConsultationBankruptcy and Business
Chapman University Fowler School of Law
Kevin Hahn, a founding partner of Hahn Attorney, LLP, graduated from the University of California at Los Angeles in 1998 with a Bachelor of Arts in Political Science. Mr. Hahn received his Juris Doctorate from Chapman University School of Law in 2003 where he was a two-time recipient of the Provost Academic Scholarship.
In 2002, Mr. Hahn served as a Judicial Extern to the Honorable Robert W. Alberts, United States Bankruptcy Judge for the Central District of California, Santa Ana. Mr. Hahn was admitted to practice law in the State of California in June 2004 and is...
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Kenneth Sisco
Norco, CA Bankruptcy Lawyer with 48 years of experience
Free ConsultationBankruptcy and Business
Southwestern University School of Law
The only thing worse than getting beat up, is getting beat up by the one who is supposed to protect you. You are not alone. When you are let down by the person in whom you placed your utmost Trust, you need a very special kind of representation. I have Decades of experience aggressively dealing with attorneys from all areas of practice.
EDUCATION
Graduated from Paramount High School, Paramount, California, 1962
Graduated from California State University, Long Beach, Long Beach, California, 1968. B.S. Degree in Social Sciences. B.S Degree in Political Science.
Graduated from Southwestern University School of Law,...
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Marc Aaron Goldbach
Whittier, CA Bankruptcy Attorney with 36 years of experience
Free ConsultationBankruptcy, Business, Employment and Immigration
Southwestern University School of Law
For more then 2 decades, Mr. Marc Aaron Goldbach has worked tirelessly to develop a successful bankruptcy and civil law practice for clients located throughout Los Angeles County. Whether his clients are facing insurmountable debt, foreclosure, serious felony charges, immigration or other legal issues such as personal injuries, workplace harassment, family and medical leave act violations, whistle blowing and retaliation, consumer law, criminal defense they can be rest assured that Marc Aaron Goldbach will take all steps necessary to fight for their legal rights to protect their interests. Marc Goldbach has represented many legal cases with 100% success...
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Harout Bouldoukian
Pasadena, CA Bankruptcy Lawyer
Free ConsultationBankruptcy
Harout G. Bouldoukian studied English Literature at California State University, Northridge. During his college years, he worked at a bankruptcy law firm at the hight of the housing crisis. He helped clients save their homes, stop aggressive creditor collections, and erase their debt!
After graduating college, he earned his Juris Doctorate at San Joaquin College of Law (San Joaquin) in Clovis, CA where he was President of the Student Bar Association and a member of the San Joaquin Board of Trustees. At San Joaquin, Mr. Bouldoukian was awarded the Harry Zekian Education Scholarship in 2012 and was an...
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Saman Behnam
Long Beach, CA Bankruptcy Lawyer with 26 years of experience
Bankruptcy, Arbitration & Mediation and Business
Thomas Jefferson School of Law
The Law Offices of Saman Behnam, is a full services law firm; providing its clientele with high quality, cost effective, and responsive legal services throughout the State of California. Our office provides affordable, cost effective legal services with the care and attention you require. SAMAN BEHNAM, has a practice emphasis in Civil litigation Real Estate Litigation and related Transaction, Bankruptcy litigation, Family Law, CH/DV-TRO, Family Law, Probate and Trust Litigation, Corporations Shareholder Dispute Resolution and litigation, Estate Planning, Business Succession Planning, Asset Protection, Commercial and Residential Evictions, transactions concerning Limited Partnerships, Limited Liability Company, Corporations. He is a...
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Omar Alfredo Zambrano
Baldwin Park , CA Bankruptcy Attorney with 20 years of experience
Free ConsultationBankruptcy and Immigration
USC Law School
About Law Offices Of Omar Zambrano I have practiced law in the State of California since 2003. Over the course of my career, I have represented thousands of clients in a variety of areas of law such as immigration, bankruptcy, real estate, civil litigation of many kinds, estate planning, probate, business law, contracts, personal injury, and guardianship. Competence: I graduated from one of the top law schools in the country, the University of Southern California (USC). I graduated with high honors from USC and I excel in all social and political debates. Friendly, relaxed office atmosphere: I...
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Lissette Blandino
Hesperia, CA Bankruptcy Lawyer with 14 years of experience
Free ConsultationBankruptcy and Business
The University of Utah S.J. Quinney College of Law
We are a full service law firm located in Hesperia CA. We provide a broad range of high quality legal services to a wide range of clients, including both businesses and individuals, throughout the greater San Bernardino and Riverside County areas. If you need a business lawyer for the formation of a new corporation, estate planning, or filing a personal or business chapter 7 bankruptcy, we will act on your behalf, aggressively and competently, to get you the results you need for future financial security and success.
**Se Habla Español**
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John Kenneth Baker
El Centro, CA Bankruptcy Lawyer with 5 years of experience
Free ConsultationBankruptcy
California School of Law
Law practice focusing on the communities of Imperial County. I am very accessible, give my office a call.
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Madhu Kalra
Torrance, CA Bankruptcy Attorney with 36 years of experience
Free ConsultationBankruptcy, Business and Immigration
University of Delhi, Campus Law Center
Admitted 1988, practice focused on Bankruptcy, Chapter 7, 11, 13, Immigration, Employment and Family based , Business Law, incorporation, Probate
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Desiree T. Washington
Torrance, CA Bankruptcy Lawyer with 24 years of experience
Bankruptcy, Consumer, Employment and Real Estate
University of Iowa College of Law
Desiree T. Washington, owner of Washington Law Firm, is a seasoned attorney with a focus on complex business litigation, business transactions, employment law, entertainment law, real estate transactions and real estate litigation. She earned her B.A. in Medieval and Early Modern History from the University of Chicago, followed by her J.D. from the University of Iowa College of Law, with a focus on jurisprudence and civil rights law. Desiree brings an extensive legal background to her practice.
Before founding Washington Law Firm, Desiree served as a prosecutor for the State Bar of California and worked as a litigator representing high-profile clients,...
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James Charles Shields
Torrance, CA Bankruptcy Attorney with 30 years of experience
Bankruptcy
Loyola Marymount University
High caliber legal representation can be difficult to find these days. When you work Attorney James C. Shields, you can feel confident knowing that you have an experienced legal advocate on your side. Attorney Shields has nearly three decades of legal experience and he strives to use that experience and knowledge to help his clients make informed decisions about their future. Mr. Shields specializes in bankruptcy law and he has helped countless clients fight for a fresh start. He also defends against foreclosure and repossession if you are behind on your mortgage payments. He deals with bankruptcy everyday and he...
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Jeffrey Vidal Hernadnez
Pasadena, CA Bankruptcy Lawyer with 29 years of experience
Free ConsultationBankruptcy and Real Estate
University of San Diego School of Law
14 years experience working as transactional attorney exclusively in commercial real estate and bankruptcy. Former in-house real estate counsel for Universal Studios. Fortune 200 company and major law firm experience. Former bankruptcy clients include national energy drink corporation with over 10 million of debt to families saving their homes from foreclosure the night before their sales date and eliminating their second mortgage.
Admitted to both the Eastern and Central Bankruptcy Courts, serving Los Angeles, San Bernardino, Riverside, Orange, Ventura, Santa Barbara, San Luis Obispo, Kern, Fresno, Sacramento, and surrounding counties.
Special expertise in complex lease negotiations, property...
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Fred W Edwards
Chino Hills, CA Bankruptcy Lawyer
Bankruptcy
Trinity International University
Fred Edwards is an Attorney and founder of Edwards Legal. Fred has focused his practice areas on Probate law, Estate Planning, Bankruptcy, and Employment Law.
Mr. Edwards received his Juris Doctor degree from Trinity Law School where he was a Articles Editor for Trinity Law Review and received honors as a Moot Court competitor. He was a member of the Christian Legal Society, the Black Law Students Association and the elected Student Body. He received his undergraduate degrees from the University of La Verne where he was an Alpha Lambda Delta Honor Society member. Mr. Edwards also has an MBA with...
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Mark Jonathan Hayes
Los Angeles, CA Bankruptcy Lawyer with 46 years of experience
Bankruptcy and Business
Loyola Law School
Mr. Hayes is a partner at Resnik Hayes Moradi LLP, a boutique firm of six attorneys located in Encino, California. The firm practices bankruptcy and insolvency law and general civil litigation.
Mr. Hayes has been a member of the panel of mediators of the Bankruptcy Mediation Program for the Central District of California since the program’s inception in 1995. He estimates that he has presided over at least 125 mediations in total. He received has received the following awards and commendations:
2016-2017 Mediator Who Settled the Most Number of Mediations, U.S. Bankruptcy Court, Central District of California, San Fernando...
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Kenneth H Flood
Los Angeles, CA Bankruptcy Attorney with 39 years of experience
Free ConsultationBankruptcy and Real Estate
University of the Pacific, McGeorge School of Law
I specialize in helping people, in California only, who are being victims of injustice by big banks and corporations or evil people.
I also have a RE broker license in California since 1971.
I do a lot of online cases
I charge half of what other attorneys charge
I only do cases ONLY in California. NOT LICENSED IN COLORADO.
I will help with personal injury cases, foreclosures, bankruptcy,
I am a graduate from McGeorge Law School of the University of The Pacific
Claimed Lawyer Profile
Raymond Hovsepian
Los Angeles, CA Bankruptcy Attorney with 30 years of experience
Bankruptcy and Real Estate
Southwestern Univ School of Law
Raymond Hovsepian earned his B.A. in Political Science and International Relations from the University of Southern California in 1991. After USC he attended Southwestern Law School where he earned his Juris Doctorate degree in 1994.
After Law School, Raymond started a boutique law firm specializing in family law, landlord law, and tenant law with special emphasis on personally attending to all his clients' needs. He has gained a reputation as an honest, affordable, and successful Los Angeles attorney respected by his colleagues and judges.
Raymond founded his law practice in 1995 with the goal of representing both landlords and tenants in commercial...
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Brandon J. Anand
Los Angeles, CA Bankruptcy Attorney with 16 years of experience
(323) 325-3389
5455 Wilshire Boulevard
Suite 1609
Los Angeles, CA 90036
Free ConsultationBankruptcy, Business, Entertainment & Sports and Real Estate
Southwestern Law School and Chapman University Fowler School of Law
Brandon Anand is a seasoned business and real estate attorney and Court-appointed Referee. Brandon has advised as to countless matters at each stage of the business life cycle—from formation—to operations (partnerships/joint ventures, IP protection, licensing/sales, and litigation/conflict resolution)—to reorganization, sales, and mergers, with a focus on two primary areas: real estate and entertainment/sports.
Brandon's real estate practice centers around the sale, financing, and lease of real property. In addition to private representation, he serves as a Court-appointed Partition Referee throughout California, where he is called upon to streamline sales, accounting, and distribution of proceeds from real property (e.g....
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Nicholas Watts Gebelt
Whittier, CA Bankruptcy Lawyer with 24 years of experience
Bankruptcy
University of Virginia School of Law
As a Board Certified Bankruptcy Specialist, I understand the subtleties of bankruptcy law and can help you avoid unnecessarily losing your assets. Whether you are struggling with personal debt or own a business that is experiencing financial troubles, you can rely on my skill and expertise to guide you through your Chapter 7, 11, or 13 bankruptcy. I am extremely detail-oriented and thorough. I emphasize pre-petition planning as a way of avoiding post-petition problems. I stand up for your rights against debt collectors and hold creditors accountable for their actions when they violate the law. Most importantly, I care about...
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H. Christopher Coburn
Corona, CA Bankruptcy Attorney with 37 years of experience
Free ConsultationBankruptcy and Real Estate
Brigham Young University J. Reuben Clark Law School
MR. COBURN HAS SERVED AS A COST-EFFECTIVE AND SUCCESSFUL LEGAL PROFESSIONAL SINCE 1987
Christopher Coburn has been practicing as a licensed attorney in California for more than 30 years. He has experience litigating cases, helping clients that are facing foreclosure, loan modification, and representing clients with criminal charges. With decades of knowledge and experience, he is confident that he and his firm are a valuable resource for clients.
At the Law Offices of H. Christopher Coburn, we understand that when you seek out a lawyer, you want one that offers reliable and cost-effective solutions. Mr. Coburn would like to be the attorney...
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Filemon Kevin Samson
Anaheim, CA Bankruptcy Lawyer with 22 years of experience
Free ConsultationBankruptcy
USC Law School
Filemon Kevin Samson is a graduate of the University of Southern California, Gould School of Law. Mr. Samson received his Bachelors degree from the University of California at Berkeley, double-majoring in Economics and Interdisciplinary Studies with an emphasis on Urban Development. Mr. Samson has a broad range of professional legal practice areas in his role as managing attorney of the Samson Law Office, including Bankruptcy, Trusts, Wills and Estate Planning, Civil Litigation and Business and Corporate law practice. Mr. Samson also enjoys teaching college courses as an Instructor of Law and Business. Mr...
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Linda Lindsey
San Bernardino, CA Bankruptcy Lawyer with 16 years of experience
(909) 801-7388
242 E. Airport Drive
Suite 206
San Bernardino, CA 92408
Bankruptcy
University of La Verne College of Law
Linda A. Lindsey is a life-long resident of the Inland Empire. She is not only a licensed attorney in the State of California and the United States - Central District Court of California; she also holds a M.B.A. and has over 25 years of successful for-profit and non-profit business experience. She believes that all persons should have access to justice and even with a busy law practice she contributes her time and energy at local legal aid agencies. Each case is handled with professionalism and integrity. Linda A. Lindsey currently devotes her practice to representing clients in San Bernardino...
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Sasan Vahdat
Orange, CA Bankruptcy Lawyer with 19 years of experience
Free ConsultationBankruptcy and Employment
Pacific West COL
LAW OFFICES OF SEAN S. VAHDAT & ASSOCIATES, APLC is a well-rounded law firm in Southern California that provides a full range of legal services to both individuals and businesses. With a main office in the city of Orange and satellite offices in Irvine, Los Angeles, Inland Empire, & San Diego, we take great pride as a full-service law firm committed to superior legal services. Our firm has over a decade of experience, and we have dedicated our practice to the areas of Personal Injury, Bankruptcy, Employment Law, and Criminal Defense. We take pride in defending the rights of...
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Christopher M Kiernan
Riverside, CA Bankruptcy Lawyer with 5 years of experience
Bankruptcy, Appeals, Business and Real Estate
Emory University School of Law
Chris M. Kiernan is the Managing Attorney of the Orange County office of Talkov Law in Irvine, California with a focus on bankruptcy, real estate, and business litigation and disputes. Prior to joining Talkov Law, Chris worked alongside Scott Talkov at Reid & Hellyer, an Inland Empire law firm dating back to 1897. Chris also has experience at a Southern California-based law firm practicing commercial and bankruptcy litigation serving clients of regional and national prominence.
Chris obtained his law degree from Emory University School of Law in 2017, and his undergraduate degree in business administration from the University of South Carolina...
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Benjamin R. Heston
Riverside, CA Bankruptcy Lawyer with 10 years of experience
Free ConsultationBankruptcy and Tax
Southwestern Law School
Benjamin Heston handles bankruptcy cases for individuals and small businesses. He has a strong background in public service and volunteering. Mr. Heston has served as Vice-President of the Riverside County Barristers Association, an organization primarily dedicated to assisting young attorneys in their transition to their new careers.
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William L Huestis
Riverside, CA Bankruptcy Attorney with 18 years of experience
Bankruptcy
Chapman University Fowler School of Law and Chapman University Fowler School of Law
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Mr. Paul Joseph Ultimo
Irvine, CA Bankruptcy Attorney with 29 years of experience
7700 Irvine Center Drive
Suite 800
Irvine, CA 92618-3047
Free ConsultationBankruptcy and Real Estate
Western State College of Law at Argosy University
Paul Ultimo is a litigation attorney representing clients in California state and federal courts. Mr. Ultimo accepts matters in the field of personal injury, real estate, and probate. Mr. Ultimo may be contacted at (949) 600-8026.
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Myron Tucker
Redlands, CA Bankruptcy Attorney with 43 years of experience
Free ConsultationBankruptcy
Western State University College of Law
Areas of Specialty – Bankruptcy Protection
Mr. Tucker’s practice is focused on individual, family, and small business asset protection and preservation through bankruptcy. Mr. Tucker has helped hundreds of individuals, families, and small businesses restructure their finances to obtain relief from debt so they can move productively forward.
Through Chapter 7 clients have received a fresh financial start while protecting and preserving assets such as income, homes, cars, and retirement savings.
In Chapter 13 clients are reorganizing their debt to protect assets while making monthly payments to creditors. Reorganization usually results in reduced debt balances, reduced interest rates, payment of missed mortgage...
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Richard Gaines Heston
Riverside, CA Bankruptcy Attorney with 46 years of experience
Free ConsultationBankruptcy
Southwestern Law School
With 46 years of practice in both bankruptcy and family law, I have developed a deep understanding of these fields, recognizing that consumers desire quick, low-conflict, and cost-effective resolutions to their issues. As one of the few dual Certified Specialists in Bankruptcy (from 1995 to the present) and Family Law (from 1992 to 2017), I am often approached by attorneys and litigants needing guidance when their cases extend from one area into the other, requiring knowledge and experience in both domains. Additionally, I have frequently contributed as a speaker and guest lecturer.
My commitment to public service is profound. I have...
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David C. Dodge
Irvine, CA Bankruptcy Attorney with 26 years of experience
Free ConsultationBankruptcy and Tax
Western State University College of Law
The Law Offices of David C. Dodge specializes in federal and California tax controversies. As a lawyer and certified public accountant with decades of experience, he knows what to do and when, to accomplish resolution of your tax problem for best result at the least cost. He provides legal tax controversies representation most often for audits, appeals, offer in compromise, tax collection defense, litigation in federal and California courts, and bankruptcy. His typical clients are individuals personally or business sole proprietorship, and small to medium business entities like corporations, partnerships, and limited liability companies. His accounting and...
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Shaheen Anthony Etemadi
Newport Beach, CA Bankruptcy Attorney with 7 years of experience
Bankruptcy, Business, IP and Real Estate
Chapman University Fowler School of Law
Represented industries include accounting, aerospace and defense, construction, disaster response and engineering, cosmetics, food, beverage and alcohol, healthcare, hospitality and leisure, logistics and trucking, media, entertainment and video game, natural resources, real estate, and technology.
Represent both plaintiffs and defendants in a wide range of high-stakes litigation.
Advise clients on real estate acquisition, disposition, leasing, financing, construction, and development transactions.
Handle a spectrum of negotiated situations, such as asset sales and purchases, corporate governance advice, general corporate counseling, and stock sales and purchases.
Represent commercial landlords and other creditors in chapter 7 and 11 cases and non-bankruptcy workouts.