Like all other laws, chapter 7 laws can be a bit confusing. Don't you ever wonder why there has to be so many confusing terms? You're not the only one. Chapter 7 bankruptcy law has a lot of those terms in it. Here's what some of them mean. The term debtor refers to you. That's because you owe the debt. The creditor is the person you owe money to. The trustee is the person the court appoints to oversee the repayment plan; which leads to the next term. The plan is the schedule of payments that you are responsible for making to reduce your debt. Filing means that you give the papers that are required to the court. If you have a lawyer they do this for you. The list goes on, but these are the ones you'll hear and read the most. Remember, whenever you don't understand something, ask.