With bankruptcy filings on the rise, an increasing number of businesses and individuals may find themselves listed as unsecured creditors with much to lose in a bankruptcy case. Large creditors (as defined by the amount of unsecured credit extended) may be solicited to serve on an unsecured creditors' committee formed after the commencement of a bankruptcy case. While a creditor owed significant money may consider any further time or effort to be a waste of resources, serving on a creditors' committee can present a valuable opportunity to be involved in a debtor's reorganization (or ultimate liquidation), and to ensure maximum recovery for all unsecured creditors. This article provides a brief overview of what a creditors' committee is, who may serve, what service entails, and some of the pros, cons, and other considerations involved.