In a broad sense, a claim is any right to payment held by a person or company against the debtor(s) and the debtor’s bankruptcy estate. A claim does not have to be a past due amount but can include an anticipated sum of money which will come due in the future.
The written statement filed in a bankruptcy case setting forth a creditor’s claim is called a Proof of Claim. Under the Federal Rules of Bankruptcy Procedure, with a few limited exceptions, claims filed by creditors, except governmental units, in chapter 7, 12 and 13 cases, must be filed within ninety (90) days after the first date set for the meeting of creditors. More information on Utah bankruptcy can be found at