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GLOSSARY OF TERMS - PAGE 17

Summons An order to answer a lawsuit within a specified time.

Trustee (Chapter 7) A person appointed to collect the non-exempt assets of the debtor and liquidate them to pay creditors.

Trustee (Chapter 13) A person appointed to collect funds from the debtor and pay the funds over to creditors over a 3 or 5 year period pursuant to a court approved plan.

U.S. Trustee The Office of the United States Trustee monitors the financial reporting in bankruptcy cases. The Chapter 13 and Chapter 7 trustees report to the U.S. Trustee. The U.S. Trustee oversees the operation of the trustee offices and appoints and removes trustees from office.

Unsecured creditor A creditor whose debt is not secured by property or collateral. This would include credit card debts.

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