It is not that a bankruptcy filing is necessary for an alter Moi filing. The filing of the bankruptcy case can trigger a creditor to consider action to protect a assert which the creditor wouldn't have taken if not. The courtroom considers the proposal and approves or denies it. https://louisotjse.tribunablog.com/getting-my-how-will-filing-bankruptcy-affect-my-small-business-to-work-44253147