Attachment to Voluntary Petition for Non-Individuals Filing for Bankruptcy under Chapter 11. Registration is conducted online through the Student Center on My Sac State.A "fictitious business name" is any name that does not include the last name (surname) of the owner, or which implies additional owners. An unpaid debt may lead to a collections lawsuit. Losing these lawsuits can lead to wage garnishment, bank levies, and liens on real property. What is a discharge in bankruptcy? A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. At California Community Credit Union (CACCU) you are family. We are happy to assist you with our products and services. A wage garnishment allows employers to hold a portion of your income and pay it directly to the creditor as a method of paying off your debts.