Mammoth Lakes is the second California municipality in a week to file for bankruptcy protection. The town council voted to seek protection after its largest creditor, Mammoth Lakes Land Acquisition, won a court order requiring the town to pay $43 million by June 30. The developer made an offer for $2.7 million annual payments over 30 years, which the town declined. “They just keep putting their heads in the sand and hoping that some guy in a black robe will bail them out,” said Daniel L. Brocket, a partner at the firm representing the developer. The town of Stockton filed for bankruptcy just six days before Mammoth Lakes with plans to try to impose cuts on bondholders and employees.