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GLOSSARY OF TERMS - PAGE 4

Complaint to Determine Dischargeability — The official complaint a creditor’s attorney files with the court to decide the dischargeability of a particular debt. This action must be commenced prior to the bar date.

Confirmation — The official act of the court in approving a Chapter 13 repayment plan.

Co-debtor — An individual who signs a contract for credit with another debtor.

Co-signed Debt — Debt for which more than one person is legally responsible.

Conversion — Converting a bankruptcy case from one chapter to another.

Cram down — Also known as lien stripping. It is the process where a creditor’s secured claim is split into secured and unsecured amounts based on the market value of the collateral. The creditor ends up with two separate claims.

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