Consumer debts - Debts incurred for personal, as opposed to business, needs.⏎
En banc - French, meaning "on the bench." All judges of an appellate court sitting together to hear a case, as opposed to the routine disposition by panels of three judges. In the Ninth Circuit, an en banc panel consists of 11 randomly selected judges.⏎
Court - Government entity authorized to resolve legal disputes. Judges sometimes use "court" to refer to themselves in the third person, as in "the court has read the briefs."⏎
Creditor - A person to whom or business to which the debtor owes money or that claims to be owed money by the debtor.⏎
Conviction - A judgment of guilt against a criminal defendant.⏎