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Janet Gutierrez - Kearny, New Jersey

Debtor:

ᐅ Gutierrez, Janet - Kearny, New Jersey (Court Case:14-27624-RG)

Bankruptcy filed - August 2014, discharged - November 2014
Full Name: Janet Gutierrez 
Court Case:   14-27624-RG
Chapter 7: In the framework of Chapter 13 bankruptcy, a structured repayment plan is central, differing significantly from scenarios where assets are liquidated to satisfy debts. Here, rather than resorting to the sale of the debtor's nonexempt property, a managed plan allows for debt resolution while the debtor retains their property. This method involves organizing payments to creditors, overseen by a trustee, without the need to liquidate assets. It's designed to protect certain assets from being sold, providing a path for debtors to avoid the potential loss of property while addressing their financial obligations.
Filed: August 26, 2014
Discharged: November 24, 2014