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so chapter 15 priority of creditors what are we looking at in here so were gonna look at ways people may secure their debt by using personal property by using real property or guarantees or any other forms and also well look at some rights and other details related to creditors and well end by looking at bankruptcy briefly looking at how bankruptcy either on an individual and then both on an individual and business levels work okay so lets start talking about those methods of securing a debt well first of all lets keep in mind that lets say your neighbor comes to you requesting $10 your neighbor wants to borrow $10 from you so you give them $10 if you have it and then they will come back to pay you your neighbor will come back to pay but you have no guarantee they may have I mean you may have a contract you do have a contract because its verbal but you may even have a written contract etc but if your neighbor doesnt come back to pay you you have to sue your neighbor try to reco