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Ray Dumlao Espiritu - Suisun City, California

Debtor:

ᐅ Espiritu, Ray Dumlao - Suisun City, California (Court Case:11-41106)

Bankruptcy filed - August 2011, discharged - December 2011
Full Name: Ray Dumlao Espiritu 
Court Case:   11-41106
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: August 29, 2011
Discharged: December 19, 2011