You have actual notice of the bankruptcy (and hopefully the bankruptcy case number) so your next step should be calling the Clerk’s office of the bankruptcy court to make sure you are on the creditor mailing list / requesting notice of anything filed in the case and— this is important— Confirming the Proof of Claim filing deadline and filing a claim in the case for whatever damages you have pursuant to the lease (with a copy of the lease) and any other supporting documents ASAP.By doing that, you can protect your ability to be paid out as an unsecured creditor with everyone else in that class (or perhaps a different class of creditors with a higher priority- not sure what your situation is so I can’t comment).  

I recently learned a little about unsecured loans and wondered what everyone was using as a go-to bank!

Traditionally housing loans just look like unsecured debt for banks. 

@Tito Taiwo  From the sounds of it, this is going to be an unsecured loan (meaning your loan will not be secured by the hard asset - i.e. the property). 

They are often based on a combination of unleveraged internal rates of return and discounts to replacement cost due to the scarcity of debt.Where cap rates are used, they have seen significant movement off the 2021 lows, with 5-star properties seeing yields expand by 175-200 basis points.

I would never advocate using unsecured debt for a down payment.

If they have a job and assuming they meet the income test, they will have their unsecured debt wiped out and they will have all personal liability for their secured debt stripped.

As unsecured debt, I'd be guessing it'd get pretty expensive.Why not just continue to use hard money?

When looking at debt funds it is critical to understand the capital stackMost debt funds invest in secured assets but the key question is “what am I considered”Many debt funds will sell 1. unsecured bonds, 2. limited right obligations 3.

They offer unsecure loans, not using any collateral.