The importance of understanding civil law and bankruptcy law protects creditors who are late in filing their bills so that they can act according to applicable law if the creditor is in that situation. This study aims to determine the legal protection of creditors who are late in filing their bills in bankruptcy based on Indonesian civil procedural law. This research uses a normative juridical approach. The normative juridical approach is an approach that refers to the applicable laws and regulations. The results showed that the protection of creditors is contained in Law Number 37 of 2004 and there are also other actions that are for the benefit or protection of creditors, namely the provisions on general confiscation, and actio pauliana. Efforts to settle debts of debtors against creditors through bankruptcy can be resolved in two ways, namely by means of peace (akkoord) and by means of bankruptcy property.