San Bernardino, the bankrupt Southern California city, has a tentative agreement with its biggest creditor, the California Public Employees Retirement System, that should help it in talks with others.

Since filing for bankruptcy in August 2012, the city has been mired in court fights against creditors including Calpers and the unions, while creditors vie with each other.

Many times the fee disclosures come in the form of lengthy documents or the information is spread out over multiple documents.

The bungalow suburb of 37,000 residents asked Michigan for a review of its finances, which are so shaky that it diverted $2.5 million to pensions from a water and sewer account.