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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.
Jeffrey Michienzi, Clarence
Restaurant manager
1996 income: $27,000
Assets: $63,250
Liabilities: $106,790
Credit Card Debt: $14,561

Reported $55,000 owed on mortgage.
Ronnie Johnson, Buffalo
Firefighter
1996 income: $44,500
Assets: $750
Liabilities: $24,180
Credit Card Debt: $24,180

Reported gambling losses of $23,469.
Ingeborg Barrus, Buffalo
Office manager
1996 income: $9,910
Assets: $5,950
Liabilities: $34,312
Credit Card Debt: $34,312

Entire debt linked to credit cards.
Durwin Jacobs, Salamanca
Unemployed
1996 income: $14,645
Assets: $3,800
Liabilities: $29,423
Credit Card Debt: $25,227
David P. Hill, City of Tonawanda
Restaurant manager
1996 income: $16,813
Assets: $10,924
Liabilities: $29,056
Credit Card Debt: $15,297
Anthony Christian, Buffalo
Electrician
1996 income: $23,224
Assets: $84,110
Liabilities: $121,502
Credit Card Debt: $5,481

Albert Braxton, Buffalo
Retired auto worker
1996 income: $25,320 pension.
Assets: $55,851
Liabilities: $40,050
Credit Card Debt: $7,990

Reports $20,000 gambling debt over past year.
Carol McCarthy, Clarence
Toll collector
1996 income: $31,625
Assets: $9,820
Liabilities: $38,371
Credit Card Debt: $34,088
Robert L. Mack, Buffalo
Retired auto worker
1996 income: $37,000 in pension and Social Security
Assets: $33,344
Liabilities: $53,073
Credit Card Debt: $47,023

Assets include a Schnauzer dog worth $50 and a cat worth $5.

Gavin Bialaszewski, Dunkirk
Cook at food plant
1996 income: $24,000
Assets: $42,800
Liabilities: $59,784
Credit Card Debt: None

Extremely rare to find personal bankruptcy listing no credit card debt.

Douglas Hummer, Lancaster
Manufacturing supervisor
1996 income: $25,777
Assets: $79,320
Liabilities: $87,870
Credit Card Debt: $40,211

Reports ownership of car, van and trailer.

Jean Wheeler, West Valley
Waste management operator
1996 income: $36,000
Assets: $69,950
Liabilities: $88,499
Credit Card Debt: $6,881
Yousef Kabalan, Buffalo
Unemployed
1996 income: $22,200
Assets: $30,905
Liabilities: $12,790
Credit Card Debt: None
Valerie A. Czaplak, Niagara Falls
Secretary
1996 income: $10,000
Assets: $2,500
Liabilities: $14,500
Credit Card Debt: $4,200
Harry Hetrick, Albion
Corrections officer
1996 income: $25,992
Assets: $47,600
Liabilities: $88,649
Credit Card Debt: $37,250

Todd Tripp, Buffalo
Warehouse worker
1996 income: $29,934
Assets: $69,550
Liabilities: $89,847
Credit Card Debt: $20,847

Owed $58,410 on mortgage obtained in 1994.

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