Bankruptcy is a legally declared inability or impairment of ability of an individual or organization to pay their creditors. A declared state of bankruptcy can be requested or initiated by the bankrupt individual or organisation, or it can be requested by creditors in an effort to recoup a portion of what they are owed. However, in the overwhelming majority of cases, the bankruptcy is initiated by the "bankrupt" individual or organization.

A legal judgment that severs the marriage of two people and restores them to the status of single persons. Also call a dissolution of marriage.

A civil action in which a party claims some sort of damage to their person caused by another party. These might be negligence actions (such as a car crash), or an intentional action (such as an assault or trespass).

Guarantees compensation for worker, contractor or layperson working on a home project who might be injured while working on site.