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

Trenton Wilcox Melcher, 1726 Eagle Ridge Drive, Bellingham. Filed Jan. 9.

Torrea Rene Fox, 2519 Dean Ave., Bellingham. Filed Jan. 9.

Jennifer Marie Grant, 3148 Bay Road, Ferndale. Filed Jan. 14.

Lynn Allen and Christine Ashley Buckley, 999 Pacific Rim Lane #91, Bellingham. Filed Jan. 15.

Cindy Marie and Daniel Rodney Roy, 2422 View Ridge Drive, Bellingham. Filed Jan. 15.

Greg Aaron Pullar, 4000 Flynn St. #24, Bellingham. Filed Jan. 16.

Coreen Lee Finkbonner, 4436 Northwest Drive, Bellingham. Filed Jan. 16.

David John and Susan Kae Smith, 1472 Kamm Road, Lynden. Filed Jan. 17.

Chapter 13

Edna Louise Barnhouse-Lopez and Richard Lopez, 102 Cambridge Drive, Lynden. Filed Jan. 10.

Jeffrey Craig Whiteside and Malinda Gene Whiteside, P.O. Box 31102, Bellingham. Filed Jan. 10.

Robert Brian Janyk, 1216 38th St., Bellingham. Filed Jan. 14.

Terrence Roy Smith, 1416 Texas St., #4, Bellingham. Filed Jan. 14.

Jacqueline Solomon, 1538 Halverstick Road, Lynden. Filed Jan. 16.

Nada and Gregory Dale Conner, 8244 Snohomish Road, Blaine. Filed Jan 17.

Adam Douglas Brooks, 708 Chestnut St., Everson. Filed Jan. 22.

Angela Christine Brooks, 708 Chestnut St., Everson. Filed Jan. 22.

Thomas Patrick Hatfield, 1716 High Noon Road, Bellingham. Filed Jan. 22.

Angie Marie Uribe, 1014 W. Smith Road, #33, Bellingham. Filed Jan. 22.