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16-6 Exhibit D To Denise's Reply To LNV's Objection Emergency Writ of Mandamus: 2011 Bankruptcy
16-6 Exhibit D To Denise's Reply To LNV's Objection Emergency Writ of Mandamus: 2011 Bankruptcy
In re )
Denise Mardene Subramaniam, xxx−xx−8909 ) Case No. 11−38010−tmb7
Debtor(s) )
) CHAPTER 7 ORDER RE:
) DISCHARGE OF DEBTOR(S)
)
)
)
It appearing that on 9/15/11 a bankruptcy petition was filed by the debtor(s); timely complaints filed
pursuant to 11 USC §523(a) could be pending and the court could still order that any affected debt is
nondischargeable, however no complaint objecting to the debtor's discharge pursuant to 11 USC §727 was
timely filed (or such complaint was filed, and after due notice and hearing, was not sustained); each timely
filed written reaffirmation agreement was either rescinded or not approved by the court; and therefore,
IT IS ORDERED the debtor(s) shall be granted a discharge under §727 of Title 11, United States Code (the
Bankruptcy Code).
This court order grants a discharge to the person(s) named as a debtor. It is not a dismissal of the case and
it does not determine how much money, if any, the trustee will pay to creditors.
Collection of Discharged Debts Prohibited. The discharge prohibits any attempt to collect from a debtor a
debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone,
or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to
collect a discharged debt from the debtor. (If applicable there are also special rules that protect certain
community property owned by the debtor's spouse, even if that spouse did not file a bankruptcy case.) A
creditor who violates this order can be required to pay damages and attorney's fees to the debtor.
However, a creditor may have the right to enforce a valid lien, such as a mortgage or security interest,
against the debtor's property after the bankruptcy, if that lien was not avoided or eliminated in the
bankruptcy case. Also, a debtor may voluntarily pay any debt that has been discharged.
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Debts that are Discharged. The Chapter 7 discharge order eliminates a debtor's legal obligation to pay a
debt that is discharged. Most, but not all, types of debts are discharged if the debt existed on the date the
bankruptcy case was filed. (If this case was begun under a different chapter of the Bankruptcy Code and
converted to Chapter 7, the discharge applies to debts owed when the bankruptcy case was converted.)
Debts that are Not Discharged. Some of the common types of debts which are not discharged in a Chapter
7 bankruptcy case are:
a. Debts for most taxes;
b. Debts incurred to pay nondischargeable taxes;
c. Debts that are for domestic support obligations, or debts to a spouse or former spouse for property
settlement;
d. Debts for most student loans;
e. Debts for most fines, penalties, forfeitures, or criminal restitution obligations;
f. Debts for personal injuries or death caused by the debtor's operation of a motor vehicle, vessel, or
aircraft while intoxicated;
g. Some debts which were not properly listed by the debtor;
h. Debts the bankruptcy court specifically has decided or will decide in this case are not discharged;
i. Debts for which the debtor has given up the discharge protections by signing a reaffirmation
agreement in compliance with the Bankruptcy Code requirements for reaffirmation of debts; and
j. Debts owed to certain pension, profit sharing, stock bonus, other retirement plans, or to the Thrift
Savings Plan for federal employees for certain types of loans from these plans.
This information is only a general summary of the bankruptcy discharge. There are exceptions to
these general rules. Because the law is complicated, you may want to consult an attorney to
determine the exact effect of the discharge in this case.
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Property No. 1
Creditor's Name: Describe Property Securing Debt:
Litton Loan Servicing LP 13865 SW Walker Rd
Beaverton, OR 97005 (estimate on owed)
Property will be (check one): SURRENDERED RETAINED
PART B - Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease. Attach additional pages if
necessary.)
Property No. 1
Lessor's Name: Describe Leased Property: Lease will be assumed pursuant to 11 USC
-NONE- §365(p)(2)
YES NO
I DECLARE UNDER PENALTY OF PERJURY THAT THE ABOVE I/WE, THE UNDERSIGNED, CERTIFY THAT COPIES OF BOTH THIS
INDICATES INTENTION AS TO ANY PROPERTY OF MY ESTATE DOCUMENT AND LOCAL FORM #715 WERE SERVED ON ANY CREDITOR
SECURING A DEBT AND/OR PERSONAL PROPERTY SUBJECT TO NAMED ABOVE.
AN UNEXPIRED LEASE.
DATE: 10/7/11 DATE: 10/11/11
/s/ Denise Mardene Subramaniam /s/ Todd Trierweiler OSB# 85348
DEBTOR'S SIGNATURE DEBTOR OR ATTORNEY'S SIGNATURE OSB# (if attorney)
JOINT DEBTOR'S SIGNATURE (If applicable) JOINT DEBTOR'S SIGNATURE (If applicable and no attorney)
Todd Trierweiler OSB# 85348 503-253-7777
PRINT OR TYPE SIGNER'S NAME & PHONE NO.
4721 NE 102nd Ave.
Portland, OR 97220
SIGNER'S ADDRESS (if attorney)
NON-JUDICIAL REMEDY WHEN CONSUMER DEBTOR FAILS TO TIMELY PERFORM STATED INTENTIONS
Creditors, see Local Form #715 [attached if this document was served on paper] if you wish information on how to obtain NON-JUDICIAL
relief from the automatic stay of 11 U.S.C. §362(a) as to your collateral.
QUESTIONS????
Call an attorney with questions about these procedures or the law. However, only call the debtor's attorney if you have questions
about the debtor's intent as to your collateral.
PROCEDURES CREATED BY THE BANKRUPTCY COURT CONCERNING REQUESTS FOR NON-JUDICIAL RELIEF
FROM THE AUTOMATIC STAY AS TO SECURED COLLATERAL IN CHAPTER 7 CASES
If you are interested in expediting relief from the automatic stay of 11 U.S.C. §362(a) as to property in which you hold a security
interest, YOU MUST FURNISH the trustee a statement of the balance due and estimated property value. ALSO ATTACH a copy of
your security agreement and other documents required for perfection (e.g., if the security is an automobile, a copy of the certificate of
title showing your security interest). YOU MUST ALSO ATTACH a completely filled out (except for signatures) copy of LBF #750.
DO NOT FILE THE REQUEST NOR ANY COPIES THEREOF WITH THE COURT! ALSO, YOU ARE NOT REQUIRED
TO FILE THE COMPLETED LBF #750 WITH THE COURT TO MAKE THIS RELIEF EFFECTIVE!
Under §522(f) of the Bankruptcy Code the debtor may request a judicial lien or a non-possessory, non purchase-money security
interest on certain exempt property be voided to the extent the exemption is impaired by the lien or security interest. Under §722 the
debtor may request the court determine the value of certain personal property and permit the debtor to redeem the property from any
lien against it by paying that value to the lien holder. Because of these two sections, the consent of both the trustee and debtor is
required to permit a repossession or foreclosure without court order.
IF YOUR REQUEST TO RECEIVE NON-JUDICIAL RELIEF FROM STAY WILL BE MADE AT THE MEETING OF
CREDITORS (OR IS SERVED WITHIN 15 DAYS PRIOR TO SUCH MEETING and therefore will be considered at the meeting), it
must be in writing and contain all the information required in paragraph one. Copies of all documents must be submitted to the debtor
and any debtor's attorney prior to that meeting.
IF YOU WISH TO RECEIVE NON-JUDICIAL RELIEF FROM STAY PRIOR TO THE MEETING OF CREDITORS, OR IF
YOUR REQUEST IS MADE AFTER THE MEETING OF CREDITORS, IT MUST BE IN WRITING and contain all the
information required in paragraph one. If the request includes a signed debtor stipulation, nothing further is required and the trustee
may immediately process the request. However if the request does not include a signed debtor stipulation, then it MUST BOTH: (1)
certify copies of all documents were simultaneously served on (e.g., mailed to) the debtor and any debtor's attorney, AND (2) clearly
set out the following notice:
"By way of this letter the debtor is informed that the trustee may grant non-judicial relief from the automatic stay as to the
property UNLESS THE TRUSTEE IS NOTIFIED IN WRITING WITHIN 15 DAYS AFTER THE SERVICE OF THIS
REQUEST THAT THE DEBTOR OBJECTS TO SUCH RELIEF. Such relief shall constitute a termination of the stay
provided by 11 U.S.C. §362(a) and will permit this creditor to foreclose his lien or security interest by repossession or as
otherwise provided by law."
Objections to non-judicial relief from the automatic stay, unless made at the meeting of creditors, must be in writing, with a copy
simultaneously served on the debtor, requesting creditor, trustee, and their respective attorneys of record. The objection must be
post-marked by the 15th day after the request was served, and received by the trustee within 20 days, or the trustee may grant the
request.
If the trustee receives a timely objection from the debtor, the trustee shall not grant non-judicial relief or consider repetitive requests by
the same creditor unless the debtor withdraws such objection in writing.
The trustee will grant non-judicial relief from the automatic stay if the above requirements are met, the debtor either does not timely
object or stipulates in writing to such relief, and there appears to be no equity in the property for the benefit of creditors.
Signing of LBF #750 by the trustee, granting non-judicial relief, shall constitute a termination of the stay of an act against such
property under 11 U.S.C. §362(a). The trustee, however, shall not be deemed to have abandoned his/her interest in the property, nor
have waived any other rights as to the property. Any non-exempt equity in the property remaining after disposition shall be
immediately returned to the trustee.
If either the trustee or debtor(s) will not agree to such relief for any reason, you must file a motion for relief from stay under §362(d).
Instructions and forms may be obtained from the Clerk's office.
IMPORTANT. All requests to the trustee MUST be accompanied by a self-addressed and stamped envelope, or the trustee need not
respond.
***SEE REVERSE/ATTACHED***
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SUMMARY OF SCHEDULES
Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A,
B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtor’s assets.
Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtor’s liabilities. Individual debtors must
also complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.
H - Codebtors Yes 1
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
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Form 6 - Statistical Summary (12/07)
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STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)
If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C.§ 101(8)), filing
a case under chapter 7, 11 or 13, you must report all information requested below.
Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to
report any information here.
TOTAL 33,000.00
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
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B6A (Official Form 6A) (12/07)
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2. Checking, savings or other financial Checking with Bank of America $25 - 25.00
accounts, certificates of deposit, or Savings with OnPoint CU $0
shares in banks, savings and loan,
thrift, building and loan, and
homestead associations, or credit
unions, brokerage houses, or
cooperatives.
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
Case 11-38010-tmb7 Doc 11 Filed 10/11/11
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B6B (Official Form 6B) (12/07) - Cont.
13. Stock and interests in incorporated 100% owner of SAI Database Experts LLC = - 0.00
and unincorporated businesses. (assets= checking with Bank of America $20; office
Itemize. equipment $200; 1/2 int. in 2006 Hyundai Accent
(fmv $4750)(business and friend on vehicle title) ;
liabilities= $3112 (car loan by Chase))
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
Case 11-38010-tmb7 Doc 11 Filed 10/11/11
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B6B (Official Form 6B) (12/07) - Cont.
21. Other contingent and unliquidated Judgment against former tenant (uncollectable) - 0.00
claims of every nature, including
tax refunds, counterclaims of the Potential Claim against mortgage company for - Unknown
debtor, and rights to setoff claims. RESPA violation and other potential mortgage
Give estimated value of each. company malfeasance.
25. Automobiles, trucks, trailers, and Equitable interest in 2006 Hyundai Accent (loan for - 4,750.00
other vehicles and accessories. $3112 by Chase)
30. Inventory. X
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
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B6B (Official Form 6B) (12/07) - Cont.
E
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Cash on Hand
Cash ORS § 18.345(1)(o) 5.00 5.00
Wearing Apparel
Clothing ORS § 18.345(1)(b) 900.00 100.00
Animals
Dog (no value) ORS §18.345(1)(e) 1,000.00 0.00
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State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of
the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided
if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and
other security interests.
List creditors in alphabetical order to the extent practicable. If a minor child is a creditor, the child's initials and the name and address of the child's parent or
guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). If all secured
creditors will not fit on this page, use the continuation sheet provided.
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor" ,include the entity on the appropriate
schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H", "W", "J", or "C" in the column labeled "Husband, Wife, Joint, or Community".
If the claim is contingent, place an "X" in the column labeled "Contingent". If the claim is unliquidated, place an "X" in the column labeled "Unliquidated". If the
claim is disputed, place an "X" in the column labeled "Disputed". (You may need to place an "X" in more than one of these three columns.)
Total the columns labeled "Amount of Claim Without Deducting Value of Collateral" and "Unsecured Portion, if Any" in the boxes labeled "Total(s)" on the last
sheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual with
primarily consumer debts, report the total from the column labeled "Unsecured Portion" on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding secured claims to report on this Schedule D.
C Husband, Wife, Joint, or Community C U D AMOUNT OF
CREDITOR'S NAME O O N I
D H DATE CLAIM WAS INCURRED, N L S CLAIM
AND MAILING ADDRESS E T I P WITHOUT UNSECURED
INCLUDING ZIP CODE, B W NATURE OF LIEN, AND I Q U PORTION, IF
T J DESCRIPTION AND VALUE N U T
DEDUCTING
AND ACCOUNT NUMBER O G I E VALUE OF ANY
(See instructions above.)
C OF PROPERTY
R
SUBJECT TO LIEN
E D D COLLATERAL
N A
T T
Account No. First Mortgage E
D
Value $
Account No.
Value $
Account No.
Value $
Subtotal
0
_____ continuation sheets attached 250,000.00 24,400.00
(Total of this page)
Total 250,000.00 24,400.00
(Report on Summary of Schedules)
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
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B6E (Official Form 6E) (4/10)
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Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.
TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets)
Domestic support obligations
Claims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, or responsible relative
of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in 11 U.S.C. § 507(a)(1).
Deposits by individuals
Claims of individuals up to $2,600* for deposits for the purchase, lease, or rental of property or services for personal, family, or household use, that were not
delivered or provided. 11 U.S.C. § 507(a)(7).
* Amount subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
1 continuation sheets attached
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
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B6E (Official Form 6E) (4/10) - Cont.
IRS
PO Box 21126 0.00
Philadelphia, PA 19114
-
0.00 0.00
Account No. precautionary
0.00 0.00
Account No. precautionary
ODR-Bankruptcy
c/o Bankruptcy Unit 0.00
955 Center Street, NE Room 353
-
Salem, OR 97301-2555
0.00 0.00
Account No.
Account No.
1
Sheet _____ 1
of _____ continuation sheets attached to Subtotal 0.00
Schedule of Creditors Holding Unsecured Priority Claims (Total of this page) 0.00 0.00
Total 0.00
(Report on Summary of Schedules) 0.00 0.00
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
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B6F (Official Form 6F) (12/07)
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Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.
16,000.00
Account No. student loan
17,000.00
Account No. 2002-2006 taxes
IRS
POB 7346 -
Philadelphia, PA 19101-7346
23,015.00
Subtotal
2
_____ continuation sheets attached 56,015.00
(Total of this page)
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com S/N:25997-110609 Best Case Bankruptcy
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B6F (Official Form 6F) (12/07) - Cont.
695.00
Account No. duplicate
Old Navy
POB 530942 -
Atlanta, GA 30353
Unknown
Account No. 0204 medical services
720.00
1
Sheet no. _____ 2
of _____ sheets attached to Schedule of Subtotal
1,415.00
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
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B6F (Official Form 6F) (12/07) - Cont.
Account No.
Account No.
Account No.
2
Sheet no. _____ 2
of _____ sheets attached to Schedule of Subtotal
0.00
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
Total
(Report on Summary of Schedules) 57,430.00
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B6G (Official Form 6G) (12/07)
a
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continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases
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B6H (Official Form 6H) (12/07)
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SCHEDULE H - CODEBTORS
Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listed
by debtor in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state,
commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or
Wisconsin) within the eight year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and of
any former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names used
by the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor,
state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not
disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Check this box if debtor has no codebtors.
NAME AND ADDRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR
0
continuation sheets attached to Schedule of Codebtors
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy
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B6I (Official Form 6I) (12/07)
INCOME: (Estimate of average or projected monthly income at time case filed) DEBTOR SPOUSE
1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly) $ 0.00 $ N/A
2. Estimate monthly overtime $ 0.00 $ N/A
7. Regular income from operation of business or profession or farm (Attach detailed statement) $ 0.00 $ N/A
8. Income from real property $ 0.00 $ N/A
9. Interest and dividends $ 0.00 $ N/A
10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that of
dependents listed above $ 0.00 $ N/A
11. Social security or government assistance
(Specify): $ 0.00 $ N/A
$ 0.00 $ N/A
12. Pension or retirement income $ 0.00 $ N/A
13. Other monthly income
(Specify): Rental Income $ 800.00 $ N/A
$ 0.00 $ N/A
15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $ 800.00 $ N/A
16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $ 800.00
(Report also on Summary of Schedules and, if applicable, on
Statistical Summary of Certain Liabilities and Related Data)
17. Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:
Debtor has a LLC and has not taken a draw since December 2010.
Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of
expenditures labeled "Spouse."
1. Rent or home mortgage payment (include lot rented for mobile home) $ 1,160.00
a. Are real estate taxes included? Yes No X
b. Is property insurance included? Yes No X
2. Utilities: a. Electricity and heating fuel $ 100.00
b. Water and sewer $ 50.00
c. Telephone $ 75.00
d. Other $ 0.00
3. Home maintenance (repairs and upkeep) $ 20.00
4. Food $ 250.00
5. Clothing $ 70.00
6. Laundry and dry cleaning $ 0.00
7. Medical and dental expenses $ 50.00
8. Transportation (not including car payments) $ 200.00
9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 0.00
10. Charitable contributions $ 0.00
11. Insurance (not deducted from wages or included in home mortgage payments)
a. Homeowner's or renter's $ 35.00
b. Life $ 0.00
c. Health $ 0.00
d. Auto $ 0.00
e. Other $ 0.00
12. Taxes (not deducted from wages or included in home mortgage payments)
(Specify) property taxes $ 142.00
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the
plan)
a. Auto $ 0.00
b. Other $ 0.00
c. Other $ 0.00
14. Alimony, maintenance, and support paid to others $ 0.00
15. Payments for support of additional dependents not living at your home $ 0.00
16. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ 0.00
17. Other Personal misc. $ 25.00
Other $ 0.00
18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and, $ 2,177.00
if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)
19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year
following the filing of this document:
Business pays the car payment of $312/month and two months behind. Daughter pays for
car insurance and dog food for client.
20. STATEMENT OF MONTHLY NET INCOME
a. Average monthly income from Line 15 of Schedule I $ 800.00
b. Average monthly expenses from Line 18 above $ 2,177.00
c. Monthly net income (a. minus b.) $ -1,377.00
I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of 18
sheets, and that they are true and correct to the best of my knowledge, information, and belief.
Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both.
18 U.S.C. §§ 152 and 3571.
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This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for
both spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or
not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole
proprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all such
activities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the
name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11
U.S.C. § 112; Fed. R. Bankr. P. 1007(m).
Questions 1 - 18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete
Questions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer
to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.
DEFINITIONS
"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in
business" for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of
the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner,
other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be "in business"
for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the
debtor's primary employment.
"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;
corporations of which the debtor is an officer, director, or person in control; officers, directors, and any owner of 5 percent or more of the voting or
equity securities of a corporate debtor and their relatives; affiliates of the debtor and insiders of such affiliates; any managing agent of the debtor. 11
U.S.C. § 101.
None State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's
business, including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar
year to the date this case was commenced. State also the gross amounts received during the two years immediately preceding this
calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may
report fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT SOURCE
$25,000.00 2009 business gross income (estimate)
$0.00 2010 business gross income (NONE)
$0.00 2011 ytd business gross income (NONE)
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None State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business
during the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT SOURCE
$2,600.00 2010 Rental Income
$6,420.00 2011 YTD Rental Income
3. Payments to creditors
a. Individual or joint debtor(s) with primarily consumer debts. List all payments on loans, installment purchases of goods or services,
and other debts to any creditor made within 90 days immediately preceding the commencement of this case unless the aggregate value
of all property that constitutes or is affected by such transfer is less than $600. Indicate with an (*) any payments that were made to a
creditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved
nonprofit budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by
either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
None b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days
immediately preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such
transfer is less than $5,850*. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on
account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit
budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments and other
transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
AMOUNT
DATES OF PAID OR
PAYMENTS/ VALUE OF AMOUNT STILL
NAME AND ADDRESS OF CREDITOR TRANSFERS TRANSFERS OWING
None c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of
creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
None a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of
this bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
None b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
* Amount subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
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None List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or
returned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12
or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
DATE OF REPOSSESSION,
NAME AND ADDRESS OF FORECLOSURE SALE, DESCRIPTION AND VALUE OF
CREDITOR OR SELLER TRANSFER OR RETURN PROPERTY
None a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of
this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a
joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
DATE OF
NAME AND ADDRESS OF ASSIGNEE ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT
None b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
7. Gifts
None List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary
and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions
aggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by
either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
8. Losses
None List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or
since the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
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None List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation
concerning debt consolidation, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediately
preceding the commencement of this case.
None a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor,
transferred either absolutely or as security within two years immediately preceding the commencement of this case. (Married debtors
filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
None b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled
trust or similar device of which the debtor is a beneficiary.
None List all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or
otherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or other
financial accounts, certificates of deposit, or other instruments; shares and share accounts held in banks, credit unions, pension funds,
cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 12 or chapter 13 must
include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed,
unless the spouses are separated and a joint petition is not filed.)
None List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year
immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or
depositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
13. Setoffs
None List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
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None List all property owned by another person that the debtor holds or controls.
NAME AND ADDRESS OF OWNER DESCRIPTION AND VALUE OF PROPERTY LOCATION OF PROPERTY
None If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor
occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate
address of either spouse.
None If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho,
Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the
commencement of the case, identify the name of the debtor’s spouse and of any former spouse who resides or resided with the debtor in
the community property state.
NAME
"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous
or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to,
statutes or regulations regulating the cleanup of these substances, wastes, or material.
"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly
owned or operated by the debtor, including, but not limited to, disposal sites.
"Hazardous Material" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material,
pollutant, or contaminant or similar term under an Environmental Law
None a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable
or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known,
the Environmental Law:
None b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous
Material. Indicate the governmental unit to which the notice was sent and the date of the notice.
None c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which
the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the
docket number.
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None a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a
partnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six years
immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities
within six years immediately preceding the commencement of this case.
If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six
years immediately preceding the commencement of this case.
If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six
years immediately preceding the commencement of this case.
None b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.
NAME ADDRESS
The following questions are to be completed by every debtor that is a corporation or partnership and by any individual debtor who is or has
been, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, or
owner of more than 5 percent of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership, a sole
proprietor, or self-employed in a trade, profession, or other activity, either full- or part-time.
(An individual or joint debtor should complete this portion of the statement only if the debtor is or has been in business, as defined above,
within six years immediately preceding the commencement of this case. A debtor who has not been in business within those six years should go
directly to the signature page.)
None a. List all bookkeepers and accountants who within two years immediately preceding the filing of this bankruptcy case kept or
supervised the keeping of books of account and records of the debtor.
None b. List all firms or individuals who within the two years immediately preceding the filing of this bankruptcy case have audited the books
of account and records, or prepared a financial statement of the debtor.
None c. List all firms or individuals who at the time of the commencement of this case were in possession of the books of account and records
of the debtor. If any of the books of account and records are not available, explain.
NAME ADDRESS
Debtor
None d. List all financial institutions, creditors and other parties, including mercantile and trade agencies, to whom a financial statement was
issued by the debtor within two years immediately preceding the commencement of this case.
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20. Inventories
None a. List the dates of the last two inventories taken of your property, the name of the person who supervised the taking of each inventory,
and the dollar amount and basis of each inventory.
None b. List the name and address of the person having possession of the records of each of the two inventories reported in a., above.
None a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.
None b. If the debtor is a corporation, list all officers and directors of the corporation, and each stockholder who directly or indirectly owns,
controls, or holds 5 percent or more of the voting or equity securities of the corporation.
None a. If the debtor is a partnership, list each member who withdrew from the partnership within one year immediately preceding the
commencement of this case.
None b. If the debtor is a corporation, list all officers, or directors whose relationship with the corporation terminated within one year
immediately preceding the commencement of this case.
None If the debtor is a partnership or corporation, list all withdrawals or distributions credited or given to an insider, including compensation
in any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding the
commencement of this case.
None If the debtor is a corporation, list the name and federal taxpayer identification number of the parent corporation of any consolidated
group for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencement
of the case.
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None If the debtor is not an individual, list the name and federal taxpayer-identification number of any pension fund to which the debtor, as an
employer, has been responsible for contributing at any time within six years immediately preceding the commencement of the case.
I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto
and that they are true and correct.
Penalty for making a false statement: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571
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I certify that the foregoing documents have been prepared by a computer and conform to versions of the Official
Bankruptcy Forms available and applicable at this time.
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