Consumer debts - Debts incurred for personal, as opposed to business, needs.⏎
Court reporter - A person who makes a word-for-word record of what is said in court, generally by using a stenographic machine, shorthand or audio recording, and then produces a transcript of the proceedings upon request.⏎
Ex parte - A proceeding brought before a court by one party only, without notice to or challenge by the other side.⏎
Equity - The value of a debtor's interest in property that remains after liens and other creditors' interests are considered. (Example: If a house valued at $60,000 is subject to a $30,000 mortgage, there is $30,000 of equity.)⏎