Do some states allow creditors to engage in deception with the debtor to obtain the collateral if there has been a default? $\_\_\_\_\_\_($Yes $/$ No$,$ deception is never allowed to be used by a creditor$)$

Is a secured party allowed to be paid $($reimbursed$)$ for the costs of collection before it applies funds collected to the unpaid balance of a loan? $\_\_\_\_\_\_\_($Yes $/$ No $-$ collected funds must first be used to pay off the debt owed to the creditor$)$

If a debtor files for bankruptcy, does that stop any and all collection efforts of a creditor? $\_\_\_\_\_($Yes to unsecured creditors but no for secured creditors $/$ Yes to all creditors, both secured and unsecured $/$ No$,$ bankruptcy does not affect a creditor's right to collection of an unpaid debt$)$