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    In the
    United States Court of Appeals
    For the Seventh Circuit
    
    No. 00-1743
    
    Richard M. Fogel, as Trustee for the Estate
    of Madison Management Group, Inc.,
    
    Plaintiff-Appellee,
    
    v.
    
    Samuel Zell, et al.,
    
    Defendants-Appellees.
    
    
    
    Appeal of:  City and County of Denver.
    
    
    Appeal from the United States District Court
    for the Northern District of Illinois, Eastern Division.
    No. 93 CV 04777--Ann Claire Williams, Judge.
    
    
    Argued June 9, 2000--Decided July 19, 2000
    
    
    
     Before Posner, Chief Judge, and Bauer and Rovner,
    Circuit Judges.
    
     Posner, Chief Judge.  A trustee in bankruptcy
    settled an adversary proceeding that he had
    brought against Samuel Zell and various
    individuals and corporations associated with him,
    claiming that they had looted the debtor's
    estate. As a condition of the settlement, the
    district court, having taken over the adversary
    proceeding from the bankruptcy court because the
    defendants had requested a jury trial, see 28
    U.S.C. sec.sec. 157(d), (e), enjoined Denver from
    suing Zell and the other adversary defendants.
    Denver's appeal asks us to consider whether the
    potential legal claim of a potential tort victim
    is a "claim" within the meaning of the Bankruptcy
    Code; if it is, what kind of notice such a
    "claimant" is entitled to from the trustee; and
    the extent to which a bankruptcy court can enjoin
    the prosecution of claims against the defendants
    in an adversary proceeding in order to facilitate
    the settlement of the proceeding.
    
     The story begins with Interpace Corporation, a
    manufacturer, now defunct, of prestressed
    concrete pipe used in sewer and sanitation
    systems. During the 1970s, the pipe that
    Interpace sold to some 10,000 purchasers was
    defective, though this was not realized at first.
    Meanwhile, in the mid-1980s, through a complex
    system of transactions unnecessary to describe,
    Interpace was acquired by Madison Management.
    Then the pipes began to burst, and Madison's
    owners--Zell and the other adversary defendants--
    removed Madison's assets, lest Madison be held
    liable for its predecessor's torts. The removal
    left Madison a shell that declared bankruptcy
    under Chapter 11 of the Bankruptcy Code in 1991.
    Later, as so often happens, the Chapter 11
    proceeding (reorganization) was converted to a
    Chapter 7 proceeding (liquidation).
    
     By the time Madison declared bankruptcy, eight
    purchasers of Interpace pipe, not including
    Denver however, had sued Madison, seeking damages
    in excess of $300 million, for harms caused by
    the bursting of the defective pipe. Madison's
    trustee in bankruptcy, seeking to obtain assets
    for distribution to the creditors, brought this
    adversary proceeding, charging that Zell and
    others had fraudulently conveyed Madison's assets
    to themselves in order to avoid having to make
    good on the tort claims arising from the burst
    pipes.
    
     The bankruptcy court set a deadline of April 5,
    1993, for the filing of proofs of claim with the
    trustee. A brief notice to that effect was
    published in USA Today and Waterworld Review. The
    deadline came and went without Denver filing a
    claim. But its pipes hadn't burst yet. That
    didn't happen until May 23, 1997. On the
    following January 9, having confirmed that the
    pipe had been manufactured by Interpace,
    Madison's predecessor, Denver filed a proof of
    claim with the trustee. The claim was for more
    than $17 million in damages for the harm caused
    by the burst pipes and for the expense of
    replacing the rest of the Interpace pipe that
    Denver had bought, before it burst too. It
    appears that Denver and the eight pipe claimants
    that filed timely proofs of claim in the
    bankruptcy proceeding are the only purchasers of
    Interpace pipe who have as yet sustained damages
    because of the defective pipe.
    
     The fraudulent-conveyance action brought by the
    trustee against Zell and his fellow alleged
    looters was settled a few months after Denver
    filed its claim. In exchange for the trustee's
    agreeing to release his claim against them, the
    adversary defendants agreed to pay him whatever
    amount, estimated to be between $35 and $45
    million, would enable creditors of Madison whose
    claims had been filed by the April 5, 1993,
    deadline to receive 70 cents on the dollar.
    Claims such as Denver's, however, that had been
    filed later would receive nothing. The eight
    timely pipe claimants are not among the creditors
    benefited by the settlement either, but that is
    because one of the adversary defendants in effect
    bought their claims, paying $24 million, which
    was less than 10 percent of what those claimants
    had originally sought.
    
     The settlement between the adversary defendants
    and the trustee was made expressly contingent on
    the district court's enjoining all of Madison's
    creditors, including pipe claimants, from suing
    the adversary defendants. Denver had already
    filed suit against those defendants in a state
    court in Colorado. Its suit was closely modeled
    on the trustee's fraudulent-conveyance suit.
    Because Zell and the other adversary defendants
    were not the manufacturer of the defective pipe
    or even the successor of the manufacturer
    (Interpace), but rather the alleged looters of
    the successor's assets, Denver's claim against
    them, as distinct from the claim that it had
    filed against Madison in the bankruptcy
    proceeding, could not be, and was not, a
    products-liability claim.
    
     The district judge found that Denver knew by
    October of 1990 that the pipe it had bought from
    Interpace might be defective, and so should have
    filed a proof of claim with Madison's trustee in
    bankruptcy before the bar date two and a half
    years later. Other Interpace pipe, bought at the
    same time, had already burst; and Denver had even
    played host to a conference at which
    representatives of a number of municipalities
    that had bought such pipe discussed the
    likelihood that it would burst. The judge's
    finding that Denver knew about the defect in its
    pipe before Madison went into bankruptcy is
    contested, but for purposes of this appeal we can
    assume that it's correct. The judge ruled that by
    failing to file a proof of claim by the bar date,
    Denver had forfeited any right it might have had
    to object to a settlement that gave it nothing.
    And so the judge proceeded to consider whether
    the settlement was in the best interests of the
    debtor's estate, Denver's interest
    notwithstanding. She concluded that it was,
    because it would avoid costly and protracted
    litigation and add sufficient assets to the
    estate to enable a handsome recovery, by normal
    bankruptcy standards, by those creditors (other
    than the timely pipe claimants, who had settled
    separately) that had filed timely proofs of
    claim. Since the settlement was contingent on
    enjoining suits by all pipe claimants against the
    adversary defendants, the judge, to make sure
    that the settlement would go through, granted the
    injunction sought by the trustee and the
    adversary defendants against Denver's state court
    suit against the latter. The consequence of the
    judge's rulings was to block Denver from
    recovering any of the losses that it has
    sustained as a result of the bursting of the
    defective pipe, since Interpace no longer exists,
    the Madison bankruptcy yielded nothing for
    Denver, and Denver's state-court suit against the
    alleged looters is enjoined.
    
     Judges naturally prefer to settle complex
    litigation than to see it litigated to the hilt,
    especially when it is litigation in a bankruptcy
    proceeding--the expenses of administering the
    bankruptcy often consume most or even all of the
    bankrupt's assets. The trustee's adversary
    proceeding against Zell and the other alleged
    looters promised to be hard-fought; the parties
    had already been at each other's throats for six
    years. Much of the property of the debtor's
    estate might be eaten up in that litigation,
    which in the end might fail to recover a penny
    for the estate. It was natural for the judge to
    prefer a $45 million bird in the hand to birds of
    unknown number and value in dense thickets. But
    this is on the assumption that Denver, whose
    claim exceeds $17 million, and any other
    purchaser from Interpace whose pipes burst after
    April 5, 1993, deserved to receive zero cents on
    the dollar because they should have filed claims
    before that deadline. If the judge was wrong to
    fault Denver for filing later, an essential
    premise of her decision to approve the settlement
    and issue the injunction collapses.
    
     On whether Denver filed its proof of claim too
    late, it is uncertain, to begin with, whether it
    could have filed a claim before its pipes burst,
    which didn't happen until 1997, long after the
    bar date for filing proofs of claim. A "creditor"
    in bankruptcy is anyone who has a "claim" against
    the bankrupt estate that arose (so far as bears
    on this case) no later than the filing of the
    voluntary petition in bankruptcy. 11 U.S.C.
    sec.sec. 101(10), 301; In re Chicago Pacific
    Corp., 773 F.2d 909, 916 (7th Cir. 1985); In re
    Gucci, 126 F.3d 380, 388-89 (2d Cir. 1997).
    "Claim" is broadly defined to include equitable
    as well as legal rights to payment, and even
    "contingent" such rights. 11 U.S.C. sec.
    101(5)(A); McClellan v. Cantrell, No. 99-3923,
    2000 WL 876933, at *4 (7th Cir. July 5, 2000). A
    claim implies a legal right, however, and before
    a tort occurs the potential victim has no legal
    right, "contingent" or otherwise, with an
    exception, irrelevant to this case, noted in the
    next paragraph, for the case in which the
    potential tort victim incurs reasonable costs to
    prevent the tort from occurring or to mitigate
    its severity. A right that can be made the basis
    of a claim in bankruptcy may be contingent on
    something happening, such as the signing of a
    contract, e.g., In re Remington Rand Corp., 836
    F.2d 825, 827 (3d Cir. 1988); In re M. Frenville
    Co., 744 F.2d 332, 336-37 (3d Cir. 1984), but if
    the contingency can be the tort itself, this
    spells trouble, both practical and conceptual.
    Suppose a manufacturer goes bankrupt after a rash
    of products-liability suits. And suppose that ten
    million people own automobiles manufactured by it
    that may have the same defect that gave rise to
    those suits but, so far, only a thousand have had
    an accident caused by the defect. Would it make
    any sense to hold that all ten million are tort
    creditors of the manufacturer and are therefore
    required, on pain of having their claims
    subordinated to early filers, to file a claim in
    the bankruptcy proceeding? Does a pedestrian have
    a contingent claim against the driver of every
    automobile that might hit him? We are not alone
    in thinking that the answer to these questions is
    "no." See In re Chateaugay Corp., 944 F.2d 997,
    1003 (2d Cir. 1991). Driving carelessly is not a
    tort and neither is the sale of a defective
    product. The products-liability tort occurs when
    the defect in the design or manufacture of the
    product causes a harm, and this didn't happen to
    Denver until the defective pipes burst. It is a
    fundamental principle of tort law that there is
    no tort without a harm, e.g., Blue Cross & Blue
    Shield United of Wisconsin v. Marshfield Clinic,
    152 F.3d 588, 592 (7th Cir. 1998); Janmark, Inc.
    v. Reidy, 132 F.3d 1200, 1202 (7th Cir. 1997);
    Jones v. Searle Laboratories, 444 N.E.2d 157, 162
    (Ill. 1982); W. Page Keeton et al., Prosser and
    Keeton on the Law of Torts sec. 30, p. 165 (5th
    ed. 1984), and so until the harm occurs, the tort
    hasn't occurred.
    
     It is true that when Denver learned it had
    installed defective pipe, it would have been
    entitled by the doctrine of mitigation of damages
    to remove the pipe or take other prophylactic or
    reparative measures, and to seek restitution of
    the expense of doing so from Madison, provided
    the expense was prudent in the circumstances.
    Adams v. U.S. Homecrafters, Inc., 744 So. 2d 736,
    739 (Miss. 1999); Restatement (Second) of Torts
    sec. 919(1) (1979). Had Denver incurred such an
    expense before April 5, 1993, it would have had
    to file a proof of claim for reimbursement by
    then, provided it had received reasonable notice
    of the bankruptcy proceeding, a question to which
    we'll return. But it did not incur any such
    expense, and so until the pipes burst it had not
    suffered a legal wrong at the hands of Madison.
    No argument is made that it should have filed a
    claim for breach of contract against Madison.
    
     There has been, however, understandable pressure
    to expand the concept of a "claim" in bankruptcy
    in order to enable a nonarbitrary allocation of
    limited assets to be made between present and
    future claimants. Consider the asbestos
    bankruptcy cases. Many people who inhaled
    asbestos in the workplace in the 1940s developed
    serious diseases as a delayed consequence of this
    inhalation. Some developed the diseases earlier
    than others. It seemed arbitrary to devote the
    entirety of the estates of the bankrupt asbestos
    manufacturers to compensating those sufferers
    whose diseases had happened to manifest
    themselves before rather than after (perhaps
    shortly after) the bar dates set in the various
    bankruptcy proceedings. Since the inhalation had
    occurred before the bar dates, there was a sense
    in which the inhalers' tort claims could be
    thought to have accrued at that time even if they
    couldn't have sued to enforce the claims until
    symptoms of disease, or at least discernible
    changes in lung or other tissues (which might be
    enough to constitute harm within the meaning of
    the rule that there is no tort without a harm),
    manifested themselves. To recognize a
    "contingent" tort claim in these circumstances
    would complicate bankruptcy proceedings some, and
    perhaps a good deal, by requiring that provision
    be made in the allocation of the assets of the
    debtor's estate for future claims that might be
    difficult to value, but it might be a price worth
    paying to eliminate an arbitrary difference in
    treatment. In re UNR Industries, Inc., 725 F.2d
    1111, 1118-20 (7th Cir. 1984). An analogy could
    be drawn--we drew a similar analogy in an
    insurance case involving defective pipes, Eljer
    Mfg., Inc. v. Liberty Mutual Ins. Co., 972 F.2d
    805 (7th Cir. 1992)--between inhaling a
    potentially dangerous substance and installing
    potentially defective pipe in the body politic;
    each is a ticking-time-bomb kind of case.
    
     We did not need to resolve the "contingent" tort
    claim issue in the UNR case. Several courts found
    in 11 U.S.C. sec. 1109(b), which allows any
    "party in interest" to raise and be heard on
    issues relating to the bankruptcy proceeding, the
    authority to appoint representatives for future
    asbestos claimants. E.g., In re Amatex Corp., 755
    F.2d 1034, 1041-43 (3d Cir. 1985); In re Johns-
    Manville Corp., 52 B.R. 940, 943 (S.D.N.Y. 1985);
    In re Forty-Eight Insulations, Inc., 58 B.R. 476,
    478 (Bankr. N.D. Ill. 1986). Eventually Congress
    stepped in and, in effect, ratified the
    settlement terms that the representatives of
    these future claimants had negotiated. 11 U.S.C.
    sec. 524(g)(1)(B). In other cases, too, in which
    mass tort claims had precipitated sellers into
    bankruptcy, courts, including our own, began
    allowing products-liability and nuisance claims
    to be filed in bankruptcy as long as the conduct
    giving rise to the claim (the manufacture or sale
    of the defective product, in the case of products
    liability) had occurred before the petition in
    bankruptcy had been filed. E.g., In re UNR
    Industries, Inc., 20 F.3d 766, 770-71 (7th Cir.
    1994); In re Chicago, Milwaukee, St. Paul &
    Pacific R.R., 974 F.2d 775, 782-86 (7th Cir.
    1992); Epstein v. Official Comm. of Unsecured
    Creditors of Estate of Piper Aircraft Corp., 58
    F.3d 1573 (11th Cir. 1995); Lemelle v. Universal
    Mfg. Corp., 18 F.3d 1268, 1274-78 (5th Cir.
    1994); In re Jensen, 995 F.2d 925, 930-31 (9th
    Cir. 1993) (per curiam); In re Chateaugay Corp.,
    supra, 944 F.2d at 1005; Grady v. A.H. Robins
    Co., 839 F.2d 198 (4th Cir. 1988); contra, Jones
    v. Chemetron Corp., No. 99-3500, 2000 WL 558986,
    *5 (3d Cir. May 9, 2000); In re M. Frenville Co.,
    supra, 744 F.2d at 336-37. However, mindful of
    the problem flagged by our automobile
    hypotheticals, the courts in these cases have
    suggested various limiting principles. We needn't
    go through them, for a reason that will appear in
    a moment; and anyway we greatly doubt that the
    issue is one that lends itself to governance by
    formula. It may not be possible to say anything
    more precise than that if it is reasonable to do
    so, bearing in mind the cost and efficacy of
    notice to potential future claimants and the
    feasibility of estimating the value of their
    claims before, perhaps long before, any harm
    giving rise to a matured tort claim has occurred,
    the bankruptcy court can bring those claimants
    into the bankruptcy proceeding and make provision
    for them in the final decree. This "test," if it
    can be dignified by such a term, would exclude
    the automobile hypotheticals; given that so far
    only one out of every thousand pipes sold by
    Interpace have burst, this case may be closer to
    them than to asbestos and Dalkon Shield.
    
     This we need not decide and anyway could not
    without knowing how serious the defect in the
    pipe is; maybe all the pipe that Interpace sold
    to these 10,000 purchasers is defective and must
    be replaced long before the end of the normal
    useful life of such a product. But that, as we
    say, does not have to be decided. For even if
    Denver was eligible to file a claim in the
    Madison bankruptcy before it suffered any harm
    from the defective pipe, it could not lawfully be
    penalized for its failure to do so. The notice of
    the bar date was culpably deficient. A trustee in
    bankruptcy cannot subordinate late-filed claims,
    as he did here, if the late filers "did not have
    notice or actual knowledge of the case in time
    for timely filing," 11 U.S.C. sec.
    726(a)(2)(C)(i), and their claims were filed
    before the estate had been distributed. sec.
    726(a)(2)(C)(ii). If both conditions are met, the
    late filer is entitled to parity with the other
    unsecured creditors. E.g., Cooper v. Internal
    Revenue, 167 F.3d 857, 858 (4th Cir. 1999); In re
    Savage Industries, 43 F.3d 714, 721 (1st Cir.
    1994).
    
     The statute says notice or actual knowledge, and
    let us begin with the former. All the statute
    says is that the notice must be "appropriate in
    the particular circumstances," 11 U.S.C. sec.
    102(1)(A), but the bankruptcy rules, a little
    more helpfully, provide that "the court may order
    notice by publication if it finds that notice by
    mail is impracticable." Bankr. R. 2002(l). The
    cases sensibly assume that the general norms of
    fair notice, as set forth in Mullane v. Central
    Hanover Bank & Trust Co., 339 U.S. 306 (1950);
    Tulsa Professional Collection Services, Inc. v.
    Pope, 485 U.S. 478, 489-91 (1988); Mennonite Bd.
    of Missions v. Adams, 462 U.S. 791, 797-800
    (1983), and other such cases, apply to bankruptcy
    as to other settings in which a person's legal
    right is extinguished if he fails to respond to a
    pleading. In re Savage Industries, supra, 43 F.3d
    at 721; In re Auto-Train Corp., 810 F.2d 270, 278
    (D.C. Cir. 1987). So even if--which, for the
    reasons explained in Creek v. Village of
    Westhaven, 80 F.3d 186, 193 (7th Cir. 1996), we
    doubt--municipalities (such as Denver) cannot
    complain about a denial of due process even when
    it isn't their own state they're complaining
    about (which they can't do, City of Newark v. New
    Jersey, 262 U.S. 192, 196 (1923); City of East
    St. Louis v. Circuit Court for Twentieth Judicial
    Circuit, 986 F.2d 1142, 1144 (7th Cir. 1993)),
    they are entitled to the equivalent protections
    under the notice provisions of the Bankruptcy
    Code. In re Hairopoulos, 118 F.3d 1240, 1244 n. 3
    (8th Cir. 1997); see City of New York v. New
    York, New Haven & Hartford R.R., 344 U.S. 293,
    296-97 (1953).
    
     Fair or adequate notice has two basic elements:
    content and delivery. If the notice is unclear,
    the fact that it was received will not make it
    adequate. Mullane v. Central Hanover Bank & Trust
    Co., supra, 339 U.S. at 314, 318; Folger Adam
    Security, Inc. v. DeMatteis/MacGregor, JV, 209
    F.3d 252, 265 (3d Cir. 2000); In re Barton
    Industries, Inc., 104 F.3d 1241, 1245-46 (10th
    Cir. 1997); In re Linkous, 990 F.2d 160, 162-63
    (4th Cir. 1993); In re Auto-Train Corp., supra,
    810 F.2d at 279. That is not a problem here,
    because the notice did identify Madison as
    successor to Interpace. But unless received, the
    notice was inadequate unless the means chosen to
    deliver it was reasonable. Mullane v. Central
    Hanover Bank & Trust Co., supra, 339 U.S. at 314,
    319; Towers v. City of Chicago, 173 F.3d 619, 628
    (7th Cir. 1999); Schluga v. City of Milwaukee,
    101 F.3d 60, 62 (7th Cir. 1996).
    
     There are two basic means--the transmission of
    the notice to the intended recipient and the
    publication of the notice in a newspaper or
    magazine or other medium likely (or at least as
    likely as it is feasible to arrange) to come to
    the attention of the person entitled to notice.
    If his name and address are reasonably
    ascertainable, he is entitled to have that
    information sent directly to him, but, if not,
    then publication of the information in the
    newspaper or other periodical that he's most
    likely to see is permitted. In re Chicago,
    Milwaukee, St. Paul & Pacific R.R., supra, 974
    F.2d at 788; In re Crystal Oil Co., 158 F.3d 291,
    297 (5th Cir. 1998); Chemetron Corp. v. Jones, 72
    F.3d 341, 345-47 (3d Cir. 1995); In re Savage
    Industries, supra, 43 F.3d at 721-22.
    
     The cases refer to creditors in the first class
    as "known creditors" and creditors in the second
    class as "unknown creditors," but this is
    imprecise. The issue is not whether the creditor
    is known to the trustee but whether the
    creditor's name and address can be readily
    ascertained by the trustee, making it feasible to
    send the creditor the notice directly and not
    force him to read the fine print in the Wall
    Street Journal. Apart from the cost of finding
    the creditor's name and address, the sheer number
    of potential creditors in relation to the size of
    their claims may make it excessively costly to
    provide direct notice to all of them. In re GAC
    Corp., 681 F.2d 1295, 1300 (11th Cir. 1982). The
    cost of direct notice in such a case might eat up
    the debtor's estate, especially when the claims
    are discounted to reflect their actual value. If
    the assets of the estate are obviously
    insufficient to pay more than 10 cents on the
    dollar, an unsecured claim for $1 million is not
    worth $1 million, but only $100,000. And if it is
    a tort claim, a reasonable estimate of its value
    may be much smaller than the amount claimed,
    since tort damages, not being liquidated or
    readily computable in most cases, are typically
    exaggerated in the complaint.
    
     Notice by publication may thus be entirely
    appropriate when potential claimants are
    numerous, unknown, or have small claims (whether
    nominally or, as we have just pointed out,
    realistically)--all circumstances that singly or
    in combination may make the cost of ascertaining
    the claimants' names and addresses and mailing
    each one a notice of the bar date and processing
    the responses consume a disproportionate share of
    the assets of the debtor's estate. E.g., Mullane
    v. Central Hanover Bank & Trust Co., supra, 339
    U.S. at 317-18; City of New York v. New York, New
    Haven & Hartford R.R., supra, 344 U.S. at 296; In
    re Chicago, Milwaukee, St. Paul & Pacific R.R.,
    supra, 974 F.2d at 788; In re GAC Corp., supra,
    681 F.2d at 1300. That isn't this case. This is a
    multimillion dollar bankruptcy, the potential
    claimants were all purchasers of a product
    manufactured by the debtor's predecessor, and
    Denver in particular was a large purchaser. (We
    don't know what it paid, but we know that it
    bought and installed at least five miles of
    Interpace pipe.) Other pipe claimants had filed
    multimillion dollar claims. The suggestion that
    the trustee could not have discovered that Denver
    had purchased a large quantity of the defective
    pipe strikes us as risible.
    
     Although Denver did not receive fair notice of
    the bankruptcy proceeding, may it have had actual
    knowledge of the proceeding? After all, the
    proceeding had been pending for years before the
    bar date. The general rule, moreover, is that the
    only knowledge required is knowledge of a
    critical stage of the proceeding from which the
    bar date can be computed, see, e.g., In re Maya
    Construction Co., 78 F.3d 1395, 1399 (9th Cir.
    1996); In re Medaglia, 52 F.3d 451, 455 (2d Cir.
    1995); cf. In re Sam, 894 F.2d 778, 781 (5th Cir.
    1990), not of the bar date itself. Normally all
    that is required in a Chapter 7 proceeding is
    knowledge of when the petition for bankruptcy was
    filed, because the statute requires that the bar
    date be set at 90 days after the first creditors'
    meeting, which must be held between 20 and 40
    days after the petition for bankruptcy is filed.
    Bankr. R. 2003(a), 3002(c). The cautious creditor
    who knows only the date of the petition will
    therefore file his proof of claim within 110 days
    after that date.
    
     Here, however, the bar date was set at almost 18
    months after Madison filed its petition for
    bankruptcy. The reason is that the initial
    petition was under Chapter 11, which doesn't have
    the 90-day rule. Bankr. R. 3003(c)(3); Pioneer
    Investor Services Co. v. Brunswick Associates
    Limited Partnership, 507 U.S. 380, 382 (1993).
    After being converted to a Chapter 7 proceeding
    on July 17, 1992, a "Notice of Commencement of
    Case Under Chapter 7" was filed, fixing the bar
    date 90 days later. Denver was not served with
    that notice, and there is no indication that it
    knew about it, which means that Denver would not
    have known how to compute the bar date--and so
    was entitled to notice of that date. Cf. In re
    Chicago, Rock Island & Pacific R.R., 788 F.2d
    1280, 1283 (7th Cir. 1986); In re Trans World
    Airlines, Inc., 96 F.3d 687, 690 (3d Cir. 1996);
    In re Maya Construction Co., supra, 78 F.3d at
    1399; In re Spring Valley Farms, Inc., 863 F.2d
    832, 834-35 (11th Cir. 1989); see also In re
    Unioil, 948 F.2d 678, 683 (10th Cir. 1991); In re
    Walker, 927 F.2d 1138, 1145 and n. 11 (10th Cir.
    1991); but see In re Christopher, 28 F.3d 512,
    517-18 (5th Cir. 1994). It received no notice.
    Nor is there any reason to believe that it knew
    Madison had acquired Interpace and therefore was
    aware that it might have an interest in a Madison
    bankruptcy. Nor, given the uncertainty whether
    Denver even had a claim that it could file in a
    bankruptcy proceeding before the pipes burst,
    long after the bar date, can Denver be faulted in
    the absence of notice for not having filed a
    proof of claim before then.
    
     Had Denver never become a party to the Madison
    bankruptcy proceeding, the injunction against its
    prosecuting its own suit against Zell and the
    others could not have been issued. Enjoining
    nonparties is not completely out of the question
    for a bankruptcy court, but it is a stretch. If A
    has a claim against B, it is easy to see why B
    would like to have a settlement that resolved not
    only its dispute with A but its dispute with C as
    well, and it is easy to see why A would be
    delighted to agree to such a provision since by
    making the settlement more valuable to B the
    provision would enable A to get a larger
    settlement--this is the reason the district judge
    gave for approving the settlement. But two
    parties cannot agree to extinguish the claim of a
    third party not in privity with either of them--
    let alone the potential claims of 10,000 third
    parties. E.g., Martin v. Wilks, 490 U.S. 755,
    761-62 (1989); Local No. 93, Int'l Ass'n of
    Firefighters v. City of Cleveland, 478 U.S. 501,
    529 (1986); United States v. Board of Education,
    11 F.3d 668, 672-73 (7th Cir. 1993); Lindsey v.
    Prive Corp., 161 F.3d 886, 891 (5th Cir. 1998).
    
     Like most legal generalizations, this one
    requires qualification. If C is required to file
    its claim against A in the litigation between A
    and B, and fails to do so, the settlement of that
    litigation can extinguish C's rights. Martin v.
    Wilks, supra, 490 U.S. at 762 n. 2. That is
    paradigmatic of bankruptcy--and the defendants'
    first argument, which we've rejected, for binding
    Denver to the settlement. In addition, the court
    can enjoin a third party from interfering with
    the disposition of the property in the debtor's
    estate, Fisher v. Apostolou, 155 F.3d 876, 882
    (7th Cir. 1998); Zerand-Bernal Group, Inc. v.
    Cox, 23 F.3d 159, 161-62 (7th Cir. 1994), just as
    an ordinary injunction can be made to run against
    third parties who have notice of it, in order to
    prevent interference with it. And thus when an
    asset of the estate is sold by the trustee in
    bankruptcy free and clear of any liens, the court
    can enjoin a creditor from suing to enforce a
    preexisting lien in the asset. 11 U.S.C. sec.
    363(f); In re Penrod, 50 F.3d 459, 461 (7th Cir.
    1995); Zerand-Bernal Group, Inc. v. Cox, supra,
    23 F.3d at 163; Gotkin v. Korn, 182 F.2d 380, 382
    (D.C. Cir. 1950); In re WBQ Partnership, 189 B.R.
    97, 110 (Bankr. E.D. Va. 1995). Madison's trustee
    and the adversary defendants argue that the
    trustee "owns" the fraudulent-conveyance claim
    against those defendants--that it is an asset of
    the debtor's estate--and that he has "sold" it
    (by releasing the claim) free and clear to them
    for whatever amount is necessary to give the
    timely unsecured creditors 70 cents on the
    dollar, and that the suit Denver has brought in a
    state court against them is an interference with
    that asset. Let us see.
    
     It is true that the trustee "owns" Madison's
    claim in the loose sense that it's part of the
    debtor's estate, which the trustee controls. 11
    U.S.C. sec. 541(a); Pepper v. Litton, 308 U.S.
    295, 307 (1939); Koch Refining v. Farmers Union
    Central Exchange, Inc., 831 F.2d 1339, 1343-44
    (7th Cir. 1987); In re Ionosphere Clubs, Inc., 17
    F.3d 600, 604 (2d Cir. 1994). But the issue is
    Denver's claim, the claim that the adversary
    defendants looted Madison so that it wouldn't
    have any assets out of which to pay tort claims
    arising from the eventual bursting of the
    defective pipe. Denver's is thus a derivative
    claim, the primary victim of the fraudulent
    conveyance being Madison. It was Madison's assets
    that were conveyed away; Denver suffered only in
    its capacity as a potential claimant to those
    assets, assuming Madison was liable for
    Interpace's torts as Interpace's successor--
    though whether Madison would actually have been
    liable for the torts of its predecessor,
    Interpace, has not been determined; successor
    liability is a confused area of the law.
    Upholsterers' Int'l Union Pension Fund v.
    Artistic Furniture of Pontiac, 920 F.2d 1323,
    1325 (7th Cir. 1990), quoting EEOC v. Vucitech,
    842 F.2d 936, 944 (7th Cir. 1988).
     The right to bring a derivative claim, of which
    the most common type is the shareholder
    derivative suit, depends on showing that the
    primary claimant has unjustifiably failed to
    pursue the claim. E.g., Kamen v. Kemper Financial
    Services, Inc., 500 U.S. 90, 95-96 (1991); Ross
    v. Bernhard, 396 U.S. 531, 534 (1970); Stepak v.
    Addison, 20 F.3d 398, 402 (11th Cir. 1994);
    Spiegel v. Buntrock, 571 A.2d 767, 777-78 (Del.
    1990). But that is this case. The trustee did
    press the primary claim to settlement, but he did
    so under the mistaken impression that the
    settlement would give all deserving creditors 70
    cents on the dollar. Had he realized that Denver
    could not rightly be penalized for having failed
    to file by the bar date--he was not likely to
    realize this, of course, since he was responsible
    for the defective notice--he would no doubt have
    pressed Zell and the other defendants to make
    provision in the settlement for Denver. He did
    not do so, and therefore was not an adequate
    representative of Denver's legitimate interests,
    Denver being as entitled as any of the other pipe
    claimants to a share of any settlement.
    
     If a trustee unjustifiably refuses a demand to
    bring an action to enforce a colorable claim of a
    creditor, the creditor may obtain the permission
    of the bankruptcy court to bring the action in
    place of, and in the name of, the trustee. In re
    Perkins, 902 F.2d 1254, 1258 (7th Cir. 1990); In
    re Gibson Group, Inc., 66 F.3d 1436, 1445-46 (6th
    Cir. 1995); Louisiana World Exposition v. Federal
    Ins. Co., 858 F.2d 233, 247 (5th Cir. 1988); In
    re STN Enterprises, 779 F.2d 901, 904 (2d Cir.
    1985); In re Automated Business Systems, Inc.,
    642 F.2d 200, 201 (6th Cir. 1981). In such a
    suit, the creditor corresponds to the
    shareholder, and the trustee to management, in a
    shareholder derivative action. Cf. Parnes v.
    Bally Entertainment Corp., 722 A.2d 1243, 1245
    (Del. 1999); Kramer v. Western Pacific
    Industries, Inc., 546 A.2d 348, 351 (Del. 1988).
    
     It makes no difference that the trustee probably
    owned Denver's derivative claim as well as the
    direct claim (Madison's claim as the immediate
    victim of the looting of its assets by the
    adversary defendants). Murray v. Miner, 876 F.
    Supp. 512, 516-17 (S.D.N.Y. 1995), aff'd, 74 F.3d
    402 (2d Cir. 1996), points out that Delaware
    permits a subsidiary to sue its parent (the
    subsidiary's controlling shareholder) on the
    complaint of the subsidiary's minority
    shareholder that the parent is looting the
    subsidiary, and Madison corresponds to that
    subsidiary and Denver to the shareholder. Madison
    is a Delaware corporation, and under standard
    choice of law rules that we may assume applicable
    here despite persisting uncertainty as to whether
    state or federal law supplies the choice of law
    rules in a bankruptcy case, see In re Morris, 30
    F.3d 1578, 1581-82 (7th Cir. 1994); In re
    Stoecker, 5 F.3d 1022, 1028-29 (7th Cir. 1993),
    the law of the state of incorporation determines
    who can bring a derivative suit, Stromberg Metal
    Works, Inc. v. Press Mechanical, Inc., 77 F.3d
    928, 933 (7th Cir. 1996); Restatement (Second) of
    Conflict of Laws sec. 307 (1971), and so implies
    that the trustee owns Denver's claim after all.
    
     No matter. The trustee "owns" the claims of the
    unsecured creditors only in the sense that he
    controls their prosecution. He is not the
    beneficial owner, but rather is the fiduciary of
    the creditors, including Denver. CFTC v.
    Weintraub, 471 U.S. 343, 354-55 (1985); In re
    Salzer, 52 F.3d 708, 712 (7th Cir. 1995); In re
    Martin, 91 F.3d 389, 394 (3d Cir. 1996). One of
    his fiduciary duties is to honor the relative
    priorities of the unsecured creditors. Protective
    Committee for Independent Stockholders of TMT
    Trailer Ferry, Inc. v. Anderson, 390 U.S. 414,
    441 (1968); In re American Reserve Corp., 841
    F.2d 159, 162 (7th Cir. 1987); In re Cajun
    Electric Power Co-op., Inc., 119 F.3d 349, 355
    (5th Cir. 1997). If he fails to do so, the
    creditor can proceed in his place and in his
    name. Not having received the notice to which it
    was entitled, Denver had the right to file a late
    claim and participate in the estate equally with
    the other unsecured creditors. 11 U.S.C. sec.
    726(a)(2). Approving a settlement that
    subordinated Denver's claim was therefore an
    abuse of the district court's discretion and so
    cannot stand. E.g., Depoister v. Mary M. Holloway
    Foundation, 36 F.3d 582, 586-87 (7th Cir. 1994);
    Jeffrey v. Desmond, 70 F.3d 183, 185 (1st Cir.
    1995). Nor can the injunction, which is premised
    on the settlement.
    
     What next? This bankruptcy proceeding is almost
    a decade old, and we hope that on remand it can
    be moved to an early conclusion. If the adversary
    defendants are willing to sweeten the pot to the
    extent necessary to induce Denver to drop its
    claims (including its state-court suit), and to
    take their chances with regard to any other
    nonparty pipe claimants who may crop up later and
    want to sue them, the case can still be resolved
    by settlement--and the state-court suit enjoined.
    The vice of the present injunction is not that it
    was entered against a nonparty but that it was
    premised on an invalid settlement. Denver became
    a party to the bankruptcy proceeding when it
    filed its proof of claim in 1998, and though we
    cannot find a case on point, we think it a
    sensible extension of cases like Zerand-Bernal
    Group, Inc. v. Cox, supra, that as a party to the
    bankruptcy proceeding Denver could be enjoined
    from prosecuting in any other forum the claim
    that it had filed in that proceeding. It was
    stymied from prosecuting its claim in the
    bankruptcy proceeding by the settlement that must
    now be vacated. With the settlement out of the
    way, it is free to proceed by demanding that the
    trustee prosecute its claim. If he unreasonably
    refuses, Denver can prosecute the claim itself,
    in conformity with the procedure set forth in In
    re Perkins, supra. If the trustee agrees to
    prosecute the claim and negotiates a new
    settlement that makes provision for Denver, then
    Denver can if dissatisfied ask the district court
    to reject the new settlement in the exercise of
    the court's discretion to reject an unreasonable
    settlement. E.g., Depoister v. Mary M. Holloway
    Foundation, supra, 36 F.3d at 585-86; Jeremiah v.
    Richardson, 148 F.3d 17, 23 (1st Cir. 1998).
    
    Reversed.
    

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