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In addition to suing the borrower, lenders can also report any instances of default or delinquency to a credit rating agency. Alternatively, the lender can also hire a credit collection agency that will then seek to collect the unpaid debt.

Creditors in bankruptcy cases have debts paid either by waiting for a distribution from the estate (unsecured creditors), by reclaiming property from the bankruptcy estate (secured creditors), or by obtaining a judgment that the debt is not dischargeable.

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).

Additionally, there is frequently a sense that the ?little guy? has no rights at all and is defenseless. However, this is not the case because under Corporate Law, regardless of the size of the company or the amount of the debt, all unsecured creditors are given the same protection.

The most common civil suits involve claims for money or property worth over $10,000. If the claim involves money or property worth $10,000 or less, it must be filed in small claims court. Other types of civil suits are declaratory judgments and appeals from government agency decisions. Civil Court - Milwaukee County Milwaukee County (.gov) ? Court-Divisions ? Civi... Milwaukee County (.gov) ? Court-Divisions ? Civi...

Start a civil lawsuit by filing a summons and a complaint. Summonses and complaints will be different in each case. The court cannot specify what information these documents should contain. There is a filing fee of $269.00 to file a large claim case.