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Stephanie Ann Carafa - American Canyon, California


ᐅ Carafa, Stephanie Ann - American Canyon, California (Court Case:10-14626)

Bankruptcy filed - November 2010, discharged - March 2016
Full Name: Stephanie Ann Carafa 
Court Case:   10-14626
Chapter 13: Chapter 13 bankruptcy provides distinct advantages compared to Chapter 7, particularly in aiding individuals to prevent home foreclosure. It enables pausing foreclosure and settling overdue mortgage payments over time, while maintaining current mortgage dues. This chapter also offers debt restructuring opportunities for secured debts, extending the repayment period and potentially lowering payments. Notably, Chapter 13 includes provisions safeguarding co-signers on consumer debts from liability. It operates similarly to a consolidation loan, where the debtor pays the trustee, who then disburses funds to creditors, avoiding direct interaction between the debtor and creditors.
Filed: November 29, 2010
Discharged: March 10, 2016