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Unsecured creditors are divided between preferred and non-preferred, as certain unclaimed creditors like employees and tax agencies are given priority.

Some of the most common types of unsecured creditors include credit card companies, utilities, landlords, hospitals and doctor's offices, and lenders that issue personal or student loans (though education loans carry a special exception that prevents them from being discharged).

Also, at a minimum, your unsecured creditors must get what they would have received had you filed for Chapter 7 bankruptcy. In a nutshell, it's an amount equal to the value of the property that you can't protect with a bankruptcy exemption.

They are generally the largest group of creditors and come after preferential creditors in terms of payment priority in liquidation. Unsecured creditors may include providers of unsecured loans, suppliers, contractors, and landlords, but they all rank equally and are paid a percentage of available funds, if any exist.

Wisconsin is a no-fault divorce state, which means that there is no legal advantage to being the first person to file for the divorce. Each party will have an equal claim to child custody and placement and asset division. However, when you file first, you often have more time to prepare for the divorce.

Step 1: Initial Filing Summons. Petition for Divorce. Stipulation for Temporary Order. Affidavit/Order to Show Cause for Temporary Order. Confidential Petition Addendum.