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ALL KINDS OF PEOPLE FILE FOR PROTECTION

It might be your neighbor, a relative or the storekeeper around the corner. Bankruptcy involves real people who -- because of job loss, medical problems or rising debt -- find themselves unable to pay their bills. These are some of the dozens of people who file for bankruptcy every day.
Gerald Augugliaro, Grand Island
Unemployed, wife works as nurse
1996 income: $84,000
Assets: $133,550
Liabilities: $174,183
Credit Card Debt: $24,696

Despite income of $170,000 over two years, reports owning only $50 worth of clothing.
Steve Pyda, Niagara Falls
Unemployed
1996 income: $800/month in unemployment insurance.
Assets: $140
Liabilities: $58,741
Credit Card Debt: $50,386

Recovering from rib injury, looking for work.
John F. Odrzywolski, Niagara Falls
Houseman and baggage clerk
1996 income: $5,000
Assets: $1,000
Liabilities: $17,453
Credit Card Debt: $16,318

Almost entire debt is credit cards.
Gilbert and Agnes Dearborn, Springville
Pensioners
1996 income: $22,272 in pensions
Assets: $55,212
Liabilities: $87,663
Credit Card Debt: $34,663
Dorothy Holmes, Buffalo
Retired
1996 income: $12,960
Assets: $30,730
Liabilities: $69,754
Credit Card Debt: $57,754

Reports donating $50 a week to her church.
Walter and Phyllis Lukasiewicz, Blasdell
Retired
1996 income: $29,000
Assets: $63,030
Liabilities: $72,025
Credit Card Debt: $70,025

Money owed on 28 credit cards.
Karl and Debra Kottwitz, Cuba
Scrap salesman and pet supply saleswoman
1996 income: $2,587
Assets: $26,548
Liabilities: $36,299
Credit Card Debt: $30,133.

Nine companies gave them credit cards despite annual income under $3,000.
Diana Morgan, Cheektowaga
Student and welfare recipient
1996 income: not listed.
Assets: $3,501
Liabilities: $19,773
Credit Card Debt: $1,251

$6,000 owed on student loan.
Michael J. Polk, Williamsville
Unemployed
1996 income: $4,600
Assets: $7,635
Liabilities: 44,817
Credit Card Debt: $21,961

Listed $5,000 to $10,000 in gambling losses.
Robert and Irene Miltenberger, West Seneca
Retired
1996 income: $27,792
Assets: $82,898
Liabilities: $114,339
Credit Card Debt: $78,839
Sandra Mountsteven, Orchard Park
Office manager
1996 income: $5,650
Assets: $2,200
Liabilities: $43,658
Credit Card Debt: $43,058

Reports spending $60 a month on tobacco products.
Joseph and Leslie Tucker, Buffalo
Unemployed, customer service representative at bank
1996 income: $16,000
Assets: $28,000
Liabilities: $81,735
Credit Card Debt: $40,599
John F. Smith, Niagara Falls
Unemployed
1996 income: $6,672
Assets: $2,200
Liabilities: $28,000
Credit Card Debt: $17,100

Rest of debt is medical bills.
William Earnst, East Amherst
Electronics sales manager
1996 income: $188,368
Assets: $491,516
Liabilities: $4.49 million
Credit Card Debt: $14,736

Formerly ran Summit Distributors, which encountered debt problems.
John C. Wells, Pavilion
Farm worker
1996 income: $22,380.
Assets: $8,500
Liabilities: $16,440
Credit Card Debt: None

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