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Joseph J Ratka - Buffalo, New York

Debtor:

ᐅ Ratka, Joseph J - Buffalo, New York (Court Case:1-11-14142)

Bankruptcy filed - December 2011, discharged - March 2012
Full Name: Joseph J Ratka 
Court Case:   1-11-14142
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: December 03, 2011
Discharged: March 24, 2012