▁Fin an cial ▁institutions , ▁in ▁order ▁to ▁fully ▁realize ▁on ▁secured ▁oblig ations ▁of ▁a ▁deb tor , ▁will ▁normally ▁require ▁gu ar ant ors ▁to ▁execute ▁a ▁" Gu arante e ▁and ▁Post pon ement ▁of ▁Cla im ", ▁which ▁prevents ▁the ▁gu ar ant or ▁from ▁fil ing ▁a ▁claim ▁against ▁the ▁estate ▁until ▁the ▁secured ▁cred itor ▁has ▁been ▁paid ▁in ▁full . ▁ ▁Every ▁cred itor ▁must ▁prove ▁his ▁claim ▁and ▁a ▁cred itor ▁who ▁does ▁not ▁prove ▁his ▁claim ▁is ▁not ▁entitled ▁to ▁any ▁distribution ▁of ▁the ▁proceed s ▁from ▁bank rupt ' s ▁estate . ▁The ▁claim ▁must ▁be ▁delivered ▁to ▁the ▁trust ee ▁in ▁bank rupt cy ▁and ▁the ▁trust ee ▁in ▁bank rupt cy ▁must ▁examine ▁every ▁proof ▁of ▁claim ▁and ▁can ▁request ▁further ▁proof . ▁The ▁trust ee ▁may ▁dis allow , ▁in ▁whole ▁or ▁in ▁part , ▁any ▁claim ▁of ▁right ▁to ▁a ▁priority ▁under ▁the ▁B IA ▁or ▁security . ▁Gener ally , ▁the ▁test ▁of ▁prov ing ▁the ▁claim ▁before ▁the ▁trust ee ▁in ▁bank rupt cy ▁is ▁very ▁low , ▁and ▁a ▁claim ▁is ▁proved ▁unless ▁it ▁is ▁too ▁" remote ▁and ▁spec ulative ". ▁The ▁r ationale ▁for ▁such ▁a ▁low ▁test ▁is ▁to ▁dis charge ▁as ▁many ▁claims ▁as ▁possible ▁to ▁allow ▁the ▁bank rupt ▁to ▁make ▁a ▁fresh ▁start ▁after ▁the ▁dis charge . ▁ ▁Cred itors ▁also ▁have ▁the ▁ability , ▁with ▁the ▁appro val ▁of ▁the ▁court , ▁ ▁to ▁take ▁over ▁a ▁cause