Consumer debts - Debts incurred for personal, as opposed to business, needs.⏎
Conviction - A judgment of guilt against a criminal defendant.⏎
Discovery - Procedures used to obtain disclosure of evidence before trial.⏎
Community service - A special condition the court imposes that requires an individual to work – without pay – for a civic or nonprofit organization.⏎
De facto - Latin, meaning "in fact" or "actually." Something that exists in fact but not as a matter of law.⏎