Chapter 7 — Straight bankruptcy; debtor gives up non-exempt property and debts are discharged.

Chapter 11 — Business reorganization; protection from creditors while business devises a plan of reorganization. Income/expense reports must be filed monthly.

Chapter 13 — Plan is devised by individual to pay a percentage of debts based on ability to pay. All disposable income must be used to pay.

Chapter 7

Raymond Joseph Dinicola, 1060 York St. #113, Bellingham. Filed Oct. 23.

Jennifer Johanna Gagnon, P.O. Box 31670, Bellingham. Filed Oct. 23.

Phyllis M. Bensel, P.O. Box 4401, Bellingham. Filed Oct. 24.

Kristin Kay Reams and Rusty Wesley Reams, 1478 Eastwood Way, Lynden. Filed Oct. 22.

Summer Lynn Beattie, 1001 N. State St. #403, Bellingham. Filed Oct. 27.

Mandy Mae Otterstad and Jason Robert Otterstad, 7362 Nautical Court, Blaine. Filed Oct. 27.

Matthew A. Bentley, P.O. Box 503, Deming. Filed Oct. 27.

Ericka Lynne Bakkom, 2016 St. Clair St., Bellingham. Filed Oct. 27.

Louis David Kheriaty, 2773 Murphy Place, Bellingham. Filed Oct. 21.

Patty Lynn DeHaven, 1449 Sudden Valley, Bellingham. Filed Oct. 21.

Willaim Albert Larson and Judy Mae Larson, 3939 Bennet Drive, Bellingham. Filed Oct. 21.

Christine Renee Hewett, 328 N. Forest St., Bellingham. Filed Oct. 21.

Joseph Eugene Mitchell and Tammy Lynn Mitchell, 676 Kirkview Place, Bellingham. Filed Oct. 21.

Beth Anne Crissy, 1440 10th St. #413, Bellingham. Filed Oct. 30.

Sigrid Frida Novak and Thomas Daniel Novak, 1409 Sudden Valley, Bellingham. Filed Oct. 30.

Joseph Steven Taylor, 2820 Donovan Ave., Bellingham. Filed Oct. 30.

David Douglas Barnett, P.O. Box 1579, Bellingham. Filed Oct. 30.

Allen Lee Anderson and Pamela Elaine Anderson, 312 Homestead Blvd. #101, Lynden. Filed Oct. 30.

Emily Elizabeth Kays-Jinnah and Masuk Peter Jinnah, 2920B Lorraine Ellis Court, Bellingham. Filed Oct. 31.

Penelopy Irene Anderson, 6655 Kings Lane, Bellingham. Filed Oct. 31.

Debra Jean Baker and Earl John Baker, 7650 Birch Bay Drive W-7, Blaine. Filed Oct. 31.

Barbara Marianne Stewart, P.O. Box 801, Ferndale. Filed Oct. 31.

Sonje Dee Hawes, 2713 Lynn St., Bellingham. Filed Oct. 31.

Brent Alan Dodge and Kristine Waneta Dodge, 4672 Birch Bay Lynden Road #17, Blaine. Filed Oct. 31.

Janice Lee McKim, 1591 H St. #1, Bellingham. Filed Nov. 4.

Heidi Kristine George, 3600 Sylvan Place, Bellingham. Filed Nov. 5.

Peter Ellis Marshall, 2401 Yew St. Road Unit A, Bellingham. Filed Nov. 5.

Tricia Marie Smith, 1602 Texas St. Apt. A, Bellingham. Filed Nov. 6.

Richard Lee Sklena and Pamela Kay Sklena, 7016 Helweg Lane, Blaine. Filed Nov. 6.

William Marquiett Cote and Shelley Rae Lannan-Cote, 1421 Green Valley Court, Maple Falls. Filed Nov. 6.

Krystopher John Bennett, 1828 Valencia St., Bellingham. Filed Nov. 6.

Rosalie Heath, 3303 Racine St. #308, Bellingham. Filed Nov. 10.

Ahmad K. Bashar, 336 36th St. #222, Bellingham. Filed Nov. 10.

Daniel C. Garvin and Crystal D. Garvin, 6284 Old Guide Meridian Road, Bellingham. Filed Nov. 10.

Saphir Rosanne Lewis, P.O. Box 765, Everson. Filed Nov. 13.

Joy Lynn Kucia, 3363 Clipper Road, Deming. Filed Nov. 13.

James Edgar Wolkoff, 761 King Valley Road, Maple Falls. Filed Nov. 13.

Mandy Lynn Visser and Michael James Visser, 1730 D St., Lynden. Filed Nov. 12.

Chapter 13

Judy Thurman Borrouso, P.O. Box 601, Custer. Filed Oct. 27.

Rogelio Luna, 214 Pollman Circle, Lynden. Filed Oct. 30.

Brandon Jess Luna, 521 10th St., Blaine. Filed Oct. 30.

Ryan Clark Bennett and Tanya Christine Bennett, 411 Everson Road, Everson. Filed Oct. 31.

Lindsay Lanae Faulk and Thomas James Faulk, 5368A Jones Road, Sumas. Filed Oct. 31.

Sarah Beth Pratt, 4320 Sweet Rd. #B, Blaine. Filed Oct. 31.

Heath David Henderson, 4464 Reese Hill Road, Sumas. Filed Oct. 31.

Kimble Lee Lukenbill and Michelle Rae Hovde, 5044 Elder Road, Ferndale. Filed Nov. 6

Debra Faye Wagstaff, P.O. Box 30244, Bellingham. Filed Nov. 6.

Randy Gifford Schnackenberg and Kimberly Diane Schnackenberg, 2357 Brown Road, Ferndale. Filed Nov. 10.

Lynda Anne Urquhart, 402 Boulevard St. #201. Bellingham. Filed Nov. 10.

Bobbi Ann Kelley and Timothy Lee Kelley, 5391 Mosquito Lake Road, Deming. Filed