Bankruptcy treats secured debt differently than unsecured debt. Understand what they are and what your responsibilities are before you file.Chapter 13 bankruptcy allows you to keep your property and pay all or a portion of your debts out of future income. Secured (real) property taxes are an ad-valorem (value based) property tax that is the liability of the person or entity assessed for the tax. Money Fit helps Sacramento residents find debt relief through trusted, nonprofit services. Are you thinking about consolidating your debt? Use the Debt Consolidation Calculator from Sacramento Credit Union to learn how you can save. The Probate Court may oversee the division of property of someone who has died. This property is called a decedent's estate. The legal system in the United Systems works around attorneys and law firms.