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Joanna Lynn Montelbano - Totowa, New Jersey

Debtor:

ᐅ Montelbano, Joanna Lynn - Totowa, New Jersey (Court Case:12-29080)

Bankruptcy filed - July 2012, discharged - November 2012
Full Name: Joanna Lynn Montelbano 
Court Case:   12-29080
Chapter 7: Chapter 13 bankruptcy is characterized by its repayment plan, which does not involve the liquidation of the debtor's assets. In this arrangement, instead of selling nonexempt property to pay creditors, the debtor makes payments through a structured plan overseen by a trustee. This approach allows debtors to retain their assets while working towards debt resolution.
Filed: July 30, 2012
Discharged: November 19, 2012