Debtors are individuals or companies who borrow money from banks, credit unions or other financial institutions. The money owed is usually tied to a loan or credit card the debtor or borrower gets ...

Debtors are allowed to keep, or "exempt," $1,000 worth of furniture, jewelry and other personal property except when a homestead is being surrendered.

Pacific Creditors Assoc., 605 F.3d 665 (9th Cir., 2009), essentially held that a debt collector may run a credit report of a debtor, even if the debtor doesn't agree to it.