It's a reorganization of the debts you owe your creditors

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https://wilmu.instructure.com/eportfolios/221/john/SAPC01_Exam_2020

https://learning.cmu.edu/eportfolios/1258/john/SAPC01_Exam_2020

https://washoeschools.instructure.com/eportfolios/179/john/SAPC01_Exam_2020

https://loyolahs.instructure.com/eportfolios/90/john/SAPC01_Exam

https://butler.instructure.com/eportfolios/133/john/SAPC01_Exam_2020

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