WPC> N].FuXs+Nm Zg{e+' !cZzP;K8nظ)ËZ\I`|ņ_!q  HOd c(N"zwsG䏜Tq>,!ZD\W;Wl>:LQlU]G@9lnn#% >;$.ʿSk HxuO+Kwќ$>=F.ê`W7NE˧q7՛H5Aݪ@hna2b>l5MRp=.ki<4&Ȫ6ys'P vtI ^U1FbO?<`p _Qsi"\k<]FԄ]puU > rD 0J 0 0P 0 0 0 0 0 0 0z 0h 0S 0> 0& 0 0 0 0 0 0 0s 0]! 0D" 0+# 0$ 0$ 0% 0& 0O' 0P' 03( 0(U,* D3+* C + 0'+w+ 0 -/- 0 1U-*1U>2 Y2 k2 }2 2 2 2 2 2 2 1e2 7b3 p3 3 3f3 B3 D33a3  4 4 ,4 <4 L4 \4 l4 |4 4 4f4a4 4 4 4 4f 5a5f"5a$5 85fP5aR5ff5ah5 |5 5 5 5 5 5f5a5f5a6f6a6 *6 <6 P6 b6 t6f6a6 6 6 6 6 6 6 7 7 ,7 >7 P7 b7ft7av7 7 7 7 7f7a7f7a7f8a8f8a8 08 D8 X8 l8 8 8 8 8 8 8 8  9 9 1e29 79 9 99 09#:UNd= %=M=(=N= 1u= 72[>^ >w>4>> m>\  `&Times New Roman' IN THE UNITED STATES BANKRUPTCY COURT   0 .   2S+P 0_level1  , ;1ddd@ HPX ";23  ..  8.88@ HPX "8  2P+P 0_level2  X 8.@ HPX "823  ..  8.88@ HPX "8  2P+P 0_level3   8.@ HPX "823  ..  8.88@ HPX "8  2M+P 0_level4   5+ @ HPX "523  ..  8.88@ HPX "8  2M+P 0_level5   5+   @ HPX "523  ..  8.88@ HPX "8  2J+P 0_level6   2(@ @ @ HPX "223  ..  8.88@ HPX "8  2J+P 0_level7  4 2(l l l HPX "223  ..  8.88@ HPX "8  2G+P 0_level8  ` /% HPX "/23  ..  8.88@ HPX "8  2G+P 0_level9   /% HPX "/23  ..  8.88@ HPX "8  2SP 0_levsl1  , ;1ddd@ HPX ";23  Ԁ  8.88@ HPX "8  2PP 0_levsl2  X 8.@ HPX "823  Ԁ  8.88@ HPX "8  2PP 0_levsl3   8.@ HPX "823  Ԁ  8.88@ HPX "8  2MP 0_levsl4   5+ @ HPX "523  Ԁ  8.88@ HPX "8  2MP 0_levsl5   5+   @ HPX "523  Ԁ  8.88@ HPX "8  2JP 0_levsl6   2(@ @ @ HPX "223  Ԁ  8.88@ HPX "8  2JP 0_levsl7  4 2(l l l HPX "223  Ԁ  8.88@ HPX "8  2GP 0_levsl8  ` /% HPX "/23  Ԁ  8.88@ HPX "8  2GP 0_levsl9   /% HPX "/23  Ԁ  8.88@ HPX "8  2SP 0_levnl1  , ;1ddd@ HPX ";23   8.88@ HPX "8  2PP 0_levnl2  X 8.@ HPX "823   8.88@ HPX "8  2PP 0_levnl3   8.@ HPX "823   8.88@ HPX "8  2MP 0_levnl4   5+ @ HPX "523   8.88@ HPX "8  2MP 0_levnl5   5+   @ HPX "523   8.88@ HPX "8  2JP 0_levnl6   2(@ @ @ HPX "223   8.88@ HPX "8  2JP 0_levnl7  4 2(l l l HPX "223   8.88@ HPX "8  2GP 0_levnl8  ` /% HPX "/23   8.88@ HPX "8  2GP 0_levnl9   /% HPX "/23   8.88@ HPX "8  h:Default ParaDefault Paragraph FontXXX<> .FooterFooter88HX ">488@ HPX ">P8Page NumberPage Number<> .HeaderHeader88HX ">488@ HPX ">T :Document MapDocument MapA# $TahomaAC$%4$X ddCXXXA# $TahomaA  7$(X7XXXS\  `&Times New RomanS  $Tahoma'dxdddP8Header CharHeader CharXXXXXX m (J'88..      XXXXXXXX  _!$88HX "X$  !  -XXRevised12/01/2010XX-(2J$ (!88..      XXXXXXXX   % *J)88..      XXXXXXXX  _$88HX "X$       XX+k  1  ݌ X Ќ$ X88HX "$  +XX+k,XXX+X$88HX "X$  #   *  ,-X,X+‹,-v.3.0+XX+‹XXX+X(2J$ (!88..      XXXXXXXX  %2A`Arial\  `&Times New RomanText15Text16Text109Text11Text12Text13Text14Check1Check2 35;AGMSY_11.a.i.1.a.i.1.a.6 i.Text17Check4Check3 d<<<<'dxdTable_AText1Text2Text3Text4Text5Text6Text7Text8Text9Text10Table_BText18Text19Text20Text21Table_CTable_DOLE_LINK1Table_ETable_FText22Text26Text23Text27Text24Text28Table_GTable_HTable_IText71Text101Text72Text73Text74 Table_JText75Text81Text84Text87Text76Text82Text85Text88Text77Text83Text86Text89 Table_KOLE_LINK2Text90Text91Text92 Table_L Table_M Table_NTable_OCheck10Check11Text110Check13Text111Check15Text94Text102Text103Text104Text105Text106Text107 35;AGMSY_2A.i.a.1.a.i.1.a. i.OLE_LINK5OLE_LINK3#|x(($88..      XXXXXXXXHP LaserJet 5,,,,0(9 Z6Times New Roman RegularX3#37=CIQYag1.a.i.(1)(a)(i)1)a)i)q|->8 tU=E::i+00 U (!88..      XXXXXXXX  _       ')XX  +XXXX INTHEUNITEDSTATESBANKRUPTCYCOURT H WESTERNDISTRICTOFMISSOURI  .   +&%X+XInre:     @     H   )CaseNo.% - -  Ԁ-  %-}Ԁ% . -  Ԁ-  %.Ԁ% / -  Ԁ-  %/Ԁ13    % 0 -  Ԁ-  %0T   @     H   )    % 1 -  Ԁ-  %1   @     H   )_SSN_:xxxxx% 2 -  Ԁ-  %2 X      @     H   )_SSN_:xxxxx% 3 -  Ԁ-  %3 s+      @    Debtor(s)  ) F  +XX%+&  CHAPTER13PLANANDPLANSUMMARY      +kX+X &Acheckinthisboxindicatesthatthisplancontainsdeviationsfromthestandardprovisionsofthemodelplanadopted  J  bythecourtatthetimeofitsfiling.Ifchangeshavebeenmadetothepreprintedtextofthemodelplanformandthis ?  boxhasnotbeenchecked,suchchangesarenullandvoid.   &Debtor(andjointdebtorifapplicable)certifiesthatalltaxreturnsdueforthefourtaxyearspriortothepetitiondate F  havebeenfiled.   &Debtor(s)has/havenotfiledalltaxreturnsdueforthefourtaxyearspriortothepetitiondate.Thetaxreturn(s)that M havenotbeenfiledarethefollowingreturnsandyeardue:     P .      % 4 &%4% ԀOriginalplan   @     H   &Abovemedian P  T  &Amendedplan   @     H   % 5 &%5( ԀBelowmedian  +&%+k   +k%+&YOURRIGHTSWILLBEAFFECTED. Youshouldreadthesepaperscarefullyanddiscussthemwithyourattorney. 9 Anypartywhowishestoopposeanyprovisionofthisplanmustfileatimelywrittenobjection.Thisplanmaybeconfirmed . withoutfurthernoticeorhearingunlesswrittenobjectionisfiledwiththeclerkofthecourtbeforethedeadlinesspecified  inLocalRule30831(D)and(E). @ Ѐ 5 Unlessotherwisenoted,allstatutoryreferencesaretoTitle11oftheUnitedStatesCodeandallreferencesto courtare  totheUnitedStatesBankruptcyCourtfortheWesternDistrictofMissouri.SeePlanProvisionssectionfordefinitions. G    6 (03""  ,E1ddd@ HPX "XE   X,  E+ @ HPX "dddXE ^2  1  .3      PLANPAYMENT: Debtorshallpay$% 8 -  Ԁ-  %8ԀpermonthfromfutureearningstothestandingChapter13trustee. ^\݌   Ќ X XX   ""  XB.@ HPX "XB  XB+ @ HPX "XB2  a  .3      % 9 &%9ԀDirectpayment:fromdebtor(s)totrustee;or݌ C" Ќ ! XX!   XB.@ HPX "XB""  XXE.@ HPX "XE  XB+ @ HPX "XB2  b  .3      % : &%:VԀVoluntaryWageAssignmenttoEmployer:݌ U$ Ќ X$ XX$   XE.88@ HPX "XE*;=<> ddd Xdd Xdd X8#8#,ZZ,FZZ,rZZ,ZZ,ZZ+  1'& 1  +‹+kDebtorsname ''  '  Monthlyamount '(  '  Employersname ')  '  Streetaddress '*  '  City,state&zip ?5+   ?K$(XHK  -  Ԁ-  'H, '  $-  Ԁ-  'H- '  -  Ԁ-  'H. '  -  Ԁ-  'H/ '  -  Ԁ-  ?5H0  ?K$(X) K  -  Ԁ-  ') 1 '  $-  Ԁ-  ') 2 '  -  Ԁ-  ') 3 '  -  Ԁ-  ') 4 '  -  Ԁ-  -#!) 5   -K$(X zK+k+‹% ? %?v""  ,E1ddd@ HPX "88XE   X,E+ @ HPX "dddXE 2  2  .3      % @ %@A% A %AT% B %BT% C %C>O% D %D]R% E %E|N% F %FE% G %GY% H %HԀFEES݌ o!'6 Ќ X 88XX   *I=<J ddZZFZZFrZZrZZZZ;=<>8#8#,5ZZ,# ZZ,4ZZ,rZZ+  1'"8" 1  +‹+k Totalattorneyfees '"9  '  Attorneyfeespaiddirectlybythedebtor '":  '  Attorneyfeespaidfromtheplan "; payments 'b# <  '  Equalmonthlyamount "= ( EMA) ?5b# >   ?K$(X# K  $-  Ԁ-  '# ? '  $-  Ԁ-  '# @ '  $-  Ԁ-  '# A '  $-  Ԁ-  -#!# B   -K$(X$L!K+k+‹% K %Ku%""  ,E1ddd@ HPX "88XE   X,E+ @ HPX "dddXE %2  3  .3      % L %L&P% M %M&R% N %N'IORITYCLAIMS%&݌ A%!C Ќ X 88XX   ,E1ddd@ HPX "88XE ""  X,H.@ HPX "dddXH  XB+ @ HPX "XB(2  a  .3      DomesticSupportObligations( DSO):((݌ &S#E Ќ ,'dddXX'   X,H.@ HPX "dddXH""  XE.@ HPX "XE  j B(  @ HPX "XBL*2  i  .3      OngoingpostpetitionDSO:L*8+݌ '$G Ќ X$ X  @ X$ j  FXB+~ ~ ~ @ HPX "XB""  FE+ @ HPX "~ ~ ~ @ XE  4<%l l HPX "X<x,2  1  .3   l   DebtorshallmakepostpetitionDSOpaymentsdirectlytotheholderoftheclaimwhether O)&I paymentsaremadetotheactualrecipientortoagovernmentalunitasassignee.x,P-݌ )&J Ќ F4'~ ~ ~ @ Xl l X'   FB(@ @ @ HPX "~ ~ ~ @ XB""  B+ @ HPX "@ @ @ XB  4<%l l HPX "X<6/2  2  .3   l   Pursuantto112and_FRBP_ԀRule9037,donotdisclosethenameofaminorchild. V+(L Identifyonlywiththeminorsinitials.6/ 0݌ ,(M Ќ 4$ @ @ @ Xl l X$   ?(@ @ @ HPX "@ @ @ X?*O=<P dd5ZZ5# ZZ# 4ZZ4rZZrI=<J@ #@ #,6ZZ,ZZ, ZZ,ZZ,ZZ+  1']-*O]-* 1   E.88@ HPX "@ @ @ XE+‹+kDebtorsname ']-*P  '  OngoingDSOclaimholder ]-*Q name '-*R  '  Address ']-*S  '  Telephone ]-*T number '-*U  '  Directmonthly ]-*V payment ?5-*W   ?K$(X.G+K  -  Ԁ-  '.G+X '  -  Ԁ-  '.G+Y '  -  Ԁ-  '.G+Z '-  Ԁ-   .G+[ $-  Ԁ-  6,.G+\  6K$(X(/+K  -  Ԁ-  '(/+] '  -  Ԁ-  '(/+^ '  -  Ԁ-  '(/+_ '-  Ԁ-   (/+` $-  Ԁ-  $(/+a   $_K$(XHK+k+‹""  B.@ HPX "88XB  j B(  @ HPX "XBE92  ii  .3      PrepetitionarrearagesowedtoDSOholdersunder507(a)(1)(A)and507(a)(1)(B)shallbepaid  bythetrusteefromplanpaymentsonaproratabasisfromfundsavailableafterpaymentof Z creditorswithanEMAunlessotherwisespecifiedinparagraph13.E9.:݌ O Ќ ! 88X  @ X! j  F?+~ ~ ~ @ HPX "88X?*Q=<R dd6ZZ6ZZ ZZ ZZZZO=<P~ #~ #,6ZZ,ZZ, ZZ,ZZ,ZZ+  1'aa 1 F  H.88@ HPX "~ ~ ~ @ XH+‹+kDebtorsname 'a  '  DSOarrearageclaim a holdername 'B  '  Address 'a   '  Telephone a  number 'B   '  Estimated a  arrearageclaim ?5B    ?K$(XK  -  Ԁ-  ' '  -  Ԁ-  ' '  -  Ԁ-  ' '-  Ԁ-    $-  Ԁ-  6,  6K$(Xt,K  -  Ԁ-  't, '  -  Ԁ-  't, '  -  Ԁ-  't, '-  Ԁ-   t, $-  Ԁ-  $t,   $K$(X  K+k+‹% S %SC""  B.@ HPX "88XB  j B(  @ HPX "XBD2  iii  .3      Fornoticingpurposesunder1302(d),iftheDSOclaimholderlistedaboveinparagraph3(a)(i)or  r 3(a)(ii)isagovernmentalunit,listthename(s),address(es)andphonenumber(s)oftheactual g  holderofaDSOasdefinedin101(14A).Pursuantto112andFRBPRule9037,donotdisclose   thenameofaminorchild.Identifyonlywiththeminorsinitials.DE݌  y Ќ ! 88X  @ X! j  *T=<U dd6ZZ6ZZ ZZ ZZZZQ=<R8#8#,6ZZ,ZZ,ZZ,ZZ+  1'   1  +‹+kDebtorsname '   '  DSOrecipientname '   '  Address '   '  Telephone  ! number ?5 l "   ?K$(XM K  -  Ԁ-  'M # '  -  Ԁ-  'M $ '  -  Ԁ-  'M % '-  Ԁ-  6,M &  6K$(X K  -  Ԁ-  ' ' '  -  Ԁ-  ' ( '  -  Ԁ-  ' ) '-  Ԁ-  $ *   $K$(X7 K+k+‹""  XB.@ HPX "88XB  XB+ @ HPX "XBM2  b  .3      Priorityclaimsotherthandomesticsupportobligations:MsN݌ , + Ќ ! 88XX!   XB.@ HPX "88XB""  XE.@ HPX "XE  j B(  @ HPX "XBO2  i  .3      Shallbepaidbythetrusteefromtheplanpaymentsonaproratabasisunlessotherwisespecified >- inparagraph13.Anyotherspecialprovisionsmustbeclearlysetoutinparagraph13.OP݌ 3. Ќ X$ X  @ X$ j  FXB+~ ~ ~ @ HPX "XB""  FH.@ HPX "~ ~ ~ @ XH  j B(  @ HPX "XBR2  ii  .3      ShallbepaidfromfundsavailableforthisclassafterpaymentofcreditorswithanEMA.RS݌ E0 Ќ F'~ ~ ~ @ X  @ X' j  FH.@ HPX "~ ~ ~ @ XH*V=<W dd6ZZ6ZZZZZZT=<U##,4ZZ,ZZ+  1'2 1   H.88@ HPX "XH+‹+kPrioritycreditorname '3  '  Estimatedpriorityclaim ?54   ?K$(X8 K  -  Ԁ-  '85 '  $-  Ԁ-  ?586  ?K$(XK  -  Ԁ-  '7 '  $-  Ԁ-  ?58  ?K$(XjK  -  Ԁ-  'j9 '  $-  Ԁ-  -#!j:   -K$(XKK+k+‹ % X %XZ""  ,E1ddd@ HPX "88XE   X,E+ @ HPX "dddXEZ2  4  .3      % Y %Y\L% Z %Z7\O% [ %[V\N% \ %\u\G% ] %]\ԀTERMREALESTATEMORTGAGE(RESIDENTIAL&NONRESIDENTIAL)&OTHERLONGTERM ; DEBTS(EXCEPTSTUDENTLOANS)TREATEDPURSUANTTO1322(b)(5)ANDEXCEPTEDFROM ]< DISCHARGEPURSUANTTO1328(a)(1) Z[݌ R = Ќ X 88XX   ""  XB.@ HPX "88XB  XB+ @ HPX "XB^2  a  .3      Prepetitionarrearagesshallbepaidbythetrusteefromtheplanpaymentsonaproratabasisunless d? otherwisespecifiedinparagraph13.^^݌ Y@ Ќ ! 88XX!   ""  XB.@ HPX "88XB  XB+ @ HPX "XBb`2  b  .3      Ifthepostpetitionrealestatemortgagepaymentsaretobepaidfromtheplanpayments,thetrusteeshall kB paypursuanttoLR30941.b`=a݌ `C Ќ ! 88XX!   ""  XB.@ HPX "88XB  XB+ @ HPX "XBb2  c  .3      Thetrusteeshallpopulatethedatabaseforpostpetitionmortgagepaymentstobepaidfromtheplan rE paymentsunlessothertreatmentisclearlyspecified.bc݌ gF Ќ ! 88XX!     ""  XB.@ HPX "88XB  X  B+ @ HPX "XBe2  d  .3      Ifthecourtentersanorderorjudgmentpostconfirmationthatdeemsamortgageanunsecuredclaim,the  yH trusteeandthedebtorretaintherighttoamendtheplantocomplywith11U.S.C.1325(a)(4)andto n!&I amendthetreatmentoftheaffectedcreditor.ee݌ "J Ќ ! 88XX!   B.@ HPX "88XB*p^=<_ dd4ZZ4ZZV=<W##p,ZZ,ZZ,ZZ,ZZ,ZZ,ZZ,ZZ+  5+u#- Lu#-  5   H.88@ HPX "XH+‹+kCreditorname <2#u#- M MM <  Collateral <2#u#- N MM <  Post u#- O petition $ P monthly $_!Q payment <2#@%!R 22 <  Postpetitionpayment .$u#- S  .  Estimated u#- T prepetition $ U arrearage <2#$_!V   <  Arrearage u#- W interestrate KA.$ X l  WKK$(X$_!K  " $_!X "  -#$_!X -  +!$_!X +  Paid $_!Y through @%!Z plan '%"[  '  Paid $_!\ directly (@%!]  (  -#$_!] -  C9!$_!] W  CK$(Xr&*#K  -  Ԁ-  'r&*#^ '  -  Ԁ-  'r&*#_ '  $-  Ԁ-  'r&*#` '  & 'r&*#a '  & 'r&*#b '  $-  Ԁ-  'r&*#c '  zero ?5r&*#d   ?K$(X '#K  -  Ԁ-  ' '#e '  -  Ԁ-  ' '#f '  $-  Ԁ-  ' '#g '  & ' '#h '  & ' '#i '  $-  Ԁ-  ' '#j '  zero ?5 '#k   ?K$(X'\$K  -  Ԁ-  ''\$l '  -  Ԁ-  ''\$m '  $-  Ԁ-  ''\$n '  & ''\$o '  & ''\$p '  $-  Ԁ-  ''\$q '  zero-#!'\$r    -K$(X=($K+k+‹""  ,E1ddd@ HPX "88XE   X,E+ @ HPX "dddXE 1v2  5  .3      REALESTATEMORTGAGES(RESIDENTIAL&NONRESIDENTIAL)TOBEPAIDINFULLDURINGTHE (%s LIFEOFTHEPLANBYTHETRUSTEEFROMTHEPLANPAYMENTS1v#w݌ )O&t Ќ X 88XX   ""  XB.@ HPX "88XB  XB+ @ HPX "XBx2  a  .3      Prepetitionarrearsshallnotbepaidasaseparateclaimasarrearsshouldbepartoftheprincipalbalance *'v oftheclaimwhichisbeingpaidinfull.xmy݌ +V(w Ќ ! 88XX!   XB.@ HPX "88XB""  XXE.@ HPX "XE  XB+ @ HPX "XB;{2  b  .3      Ifnomonthlypaymentisprovided,thecreditorshallbepaidproratafromfundsavailableforthisclassafter ,)y thepaymentofcreditorswithanEMA.;{|݌ -]*z Ќ X$ XX$   XE.88@ HPX "XE""  XB.@ HPX "88XB  XB+ @ HPX "XB}2  c  .3      Ifnointerestrateisprovided,thetrusteeshallusetheChapter13Rateineffectforthiscase.}~݌ .+| Ќ ! 88XX!     ""  XB.@ HPX "88XB  X  B+ @ HPX "XB2  d  .3      ݀Ifthecourtentersanorderorjudgmentpostconfirmationthatdeemsamortgageanunsecuredclaim,the  trusteeandthedebtorretaintherighttoamendtheplantocomplywith11U.S.C.1325(a)(4)andto Z amendthetreatmentoftheaffectedcreditor.݌ O Ќ ! 88XX!   B.@ HPX "88XB H.88@ HPX "XH*`=<a ddZZZZZZZZZZZZZZ^=<_8#8#, ZZ,fZZ,ZZ,ZZ,ZZ+  1'VV 1  +‹+kMortgagelienholder 'V  '  Collateral 'V  '  Principalbalance 'V   '  Monthlypayment 'V   '  Interestrate ?5V    ?K$(XK  -  Ԁ-  '  '  -  Ԁ-  '  '  $-  Ԁ-  ' '$-  Ԁ-      -  Ԁ-  % ?50  ?K$(X@K  -  Ԁ-  '@ '  -  Ԁ-  '@ '  $-  Ԁ-  '@ '$-  Ԁ-   @   -  Ԁ-  %-#!@0   -K$(X! K+k+‹ ""  ,E1ddd@ HPX "88XE   X,E+ @ HPX "dddXE2  6  .3      STUDENTLOANS݌   Ќ X 88XX   ""  XB.@ HPX "88XB  XB+ @ HPX "XB2  a  .3      Postpetitionpaymentsshallbepaidthecontractualmonthlypaymentasalongtermcontinuingdebtas (  specifiedbelowwitharrearspaidbythetrusteefromplanpaymentsonaproratabasis.Ifnointerestrate   isprovidedforthestudentloanarrears,thetrusteeshallusetheChapter13Rateineffectforthiscase.  :  (Studentloansmustqualifyasalongtermcontinuingdebttobetreatedinsubparagraphb.)h݌ /  Ќ ! 88XX!   ""  XB.@ HPX "88XB  XB+ @ HPX "XB"2  b  .3      Iftheboxbelowdoesnotspecifywhethertheongoingpostpetitionpaymentsaretobepaiddirectlyorfrom A  theplanpayments,thetrusteeshallpopulatethedatabasefortheongoingpostpetitionpaymentstobe 6  paidfromtheplanpayments."݌   Ќ ! 88XX!   XB.@ HPX "88XB*b=<c dd ZZ fZZfZZZZZZ`=<a##,ZZ,ZZ,ZZ,qZZ,+ZZ,,ZZ,ZZ, ZZ+  5+= !=  5 X  E.88@ HPX "XE+‹+kCreditorname <2#= " MMI <  Last4digits = # ofaccount $ # <2#o'% J <  Estimated = & claim ' amount <2#o'( K <  Contractual = ) monthly * payment <2#o'+  <  ӀPostpetitionpayment .$= ,  .  Estimated = - arrearage . claim <2#o'/  N <  Interest = 0 ratefor 1 arrears KA.o'2 l  KK$(X$K  " $2 "  -#$2 -  7-$2 7  1'$2 1  Paid $3 through u4 plan 'V5  '  Paid $6 directly -#u7  -  7-$7 7  I?'$7   IK$(XK  -  Ԁ-  '8 '  -  Ԁ-  '9 '  $-  Ԁ-  ': '  $-  Ԁ-  '; '  & '< '  & '= '  $-  Ԁ-  '> '  ?5?  ?K$(X@K  -  Ԁ-  '@@ '  -  Ԁ-  '@A '  $-  Ԁ-  '@B '  $-  Ԁ-  '@C '  & '@D '  & '@E '  $-  Ԁ-  '@F '  -#!@G   -K$(X!K+k+‹% d %d""  XB.@ HPX "88XB  XB+ @ HPX "XB2  c  .3      % e %e5S% f %fTt% g %gsu% h %hdentloanclaimsnotlistedinsubparagraph6(b)aboveshallbetreatedinthesameclassasothernon H priorityunsecuredcreditorsasspecifiedinparagraph12below.ۡ݌ {3I Ќ ! 88XX!   / /""  ,E1ddd@ HPX "88XE  X,E+ @ HPX "dddXE2  7  .3      SECUREDCREDITORSHOLDINGAPURCHASEMONEYSECURITYINTEREST( PMSI)ENTITLEDTO K RECEIVEADEQUATEPROTECTION݌ :L Ќ X 88XX   ""  XB.@ HPX "88XB  X?( @ HPX "X?N2  a  .3      ThetrusteeshallpaytotheholderofeachallowedsecuredclaimtheEMAlistedbelowwiththe N appropriatediscountrate.N&݌ AO Ќ  88XX   ""  XB.@ HPX "88XB  X?( @ HPX "X?2  b  .3      Anequalmonthlyamountmustbeprovidedforcreditorslistedinthisparagraph.b݌ Q Ќ  88XX    XB.@ HPX "88XB""  XXE.@ HPX "XE  X?( @ HPX "X?֪2  c  .3      Claimstowhich506valuationisnotapplicable:֪݌ =S Ќ X! XX!   E.@ HPX "XE XE.@ HPX "XEClaimslistedinthissubsectionconsistofdebtssecuredbyapurchasemoneysecurityinterestinavehicle OU acquiredforthepersonaluseofthedebtorforwhichthedebtwasincurredwithin910daysoffilingthe DV bankruptcypetition,or,ifthecollateralforthedebtisanyotherthingofvalue,thedebtwasincurredwithin1 W yearoffiling.See1325(a)(5)andthehangingparagraph.  VX  H.88@ HPX "XH *i=<j ddZZZZZZqZZq+ZZ+,ZZ,ZZ ZZ b=<c8#8#, ZZ,ZZ,ZZ,ZZ,ZZ+  1'!Z! 1  +‹+k Creditorname '![  '  Last4digitsof !\ account# '"I]  '  Collateral '!^  '  Interestrate '!_  '  EMApayment !` throughplan ?5"Ia   ?K$(X*#K  -  Ԁ-  '*#b '  -  Ԁ-  '*#c '  -  Ԁ-  '*#d 'Ch13Rate  *#e   $-  Ԁ-  ?5*#f  ?K$(X#{ K  -  Ԁ-  '#{ g '  -  Ԁ-  '#{ h '  -  Ԁ-  '#{ i 'Ch13Rate  #{ j   $-  Ԁ-  ?5#{ k  ?K$(X\$!K  -  Ԁ-  '\$!l '  -  Ԁ-  '\$!m '  -  Ԁ-  '\$!n 'Ch13Rate  \$!o   $-  Ԁ-  -#!\$!p   -K$(X$! K+k+‹ % k %k ""  XB.@ HPX "88XB  X?( @ HPX "X?2  d  .3      % l %lC% m %ml% n %n/a% o %oNi% p %pmm% q %qs% r %rԀ% s %sʺt% t %to% u %uԀ% v %v'which506valuationisapplicable:݌ %Z"q Ќ  88XX   XB.@ HPX "88XB XE.@ HPX "XEClaimslistedinthissubsectionconsistofanyPMSIclaimssecuredbypersonalpropertynotdescribedin &#s paragraph7(c)above.Theportionofanyallowedclaimthatexceedsthevalueindicatedbelowshallbe 'a$t treatedasanonpriorityunsecuredclaim.See1325(a)(5)and506(a). V(%u  H.88@ HPX "XH *w=<x dd ZZ ZZZZZZZZi=<j8#8#,$ ZZ,ZZ,ZZ,ZZ,ZZ,ZZ+  1')h&w)h& 1  +‹+k Creditorname ')h&x  '  Last4digitsof )h&y account# 'I*'z  '  Collateral ')h&{  '  Valueof )h&| collateral 'I*'}  '  Interestrate ')h&~  '  EMApayment )h& throughplan ?5I*'   ?K$(X*'!K  -  Ԁ-  '*' '  -  Ԁ-  '*' '  -  Ԁ-  '*' '  $-  Ԁ-  '*' '  Ch13Rate '*'  '  $-  Ԁ-  ?5*'  ?K$(X{+3("K  -  Ԁ-  '{+3( '  -  Ԁ-  '{+3( '  -  Ԁ-  '{+3( '  $-  Ԁ-  '{+3( '  Ch13Rate '{+3(  '  $-  Ԁ-  ?5{+3(  ?K$(X,(#K  -  Ԁ-  ',( '  -  Ԁ-  ',( '  -  Ԁ-  ',( '  $-  Ԁ-  ',( '  Ch13Rate ',(  '  $-  Ԁ-  -#!,(   -K$(X,e)$K+k+‹ % y %y% z %z% { %{% | %| .l+ Ї""  ,E1ddd@ HPX "88XE  X,E+ @ HPX "dddXEQ2  8  .3      SECUREDCREDITORSNOTHOLDINGAPURCHASEMONEYSECURITYINTERESTQ2݌ H Ќ X 88XX   ""  XB.@ HPX "88XB  X?( @ HPX "X?D2  a  .3      Pursuantto1326(a)(1)creditorslistedinthisparagraphshallnotreceivepreconfirmationadequate Z protectionpaymentsunlessthecourtordersotherwise. D݌ O Ќ  88XX   B.@ HPX "88XB ""  XH.@ HPX "XH  X?( @ HPX "X?2  b  .3      Creditorslistedinthisparagraphwillbepaidtothevalueofcollateralunlessotherwisespecifiedin a paragraph13. ݌ V Ќ $XX$   H.88@ HPX "XH ""  XB.@ HPX "88XB  X?( @ HPX "X?2  c  .3      Anequalmonthlyamountmustbeprovidedforcreditorslistedinthisparagraph.j݌ h Ќ  88XX    XB.@ HPX "88XB *}=<~ dd$ ZZ$ ZZZZZZZZZZw=<x##,$ ZZ,ZZ,ZZ,ZZ,ZZ,ZZ+  1'    1 X  E.88@ HPX "XE+‹+k Creditorname '    '  Last4digitsof    account# ' [   '  Collateral '   '  Valueof   collateral ' [  '  Interestrate '   '  EMApayment   throughplan ?5 [   ?K$(X< %K  -  Ԁ-  '<  '  -  Ԁ-  '<  '  -  Ԁ-  '<  '  $-  Ԁ-  '<  '  Ch13Rate '<   '  $-  Ԁ-  -#!<    -K$(X &K+k+‹ ""  ,E1ddd@ HPX "88XE  X,E+ @ HPX "dddXEk2  9  .3      SECUREDCREDITORS!SURRENDERPER1325(a)(5)(C)kL݌  :  Ќ X 88XX   *=< dd$ ZZ$ ZZZZZZZZZZ}=<~8#8#,> ZZ,ZZ, ZZ+  1'   1  +‹+k Nameofcreditor '   '  Collateraltobesurrendered '   '  Surrenderinlieuofentiredebt(leave   blankifadeficiencyclaimistobe u-  allowed) ?5 !   ?K$(X_ 'K  -  Ԁ-  '_ " '  -  Ԁ-  '_ # '  -  Ԁ-  ?5_ $  ?K$(X@ (K  -  Ԁ-  '@ % '  -  Ԁ-  '@ & '  -  Ԁ-  -#!@ '   -K$(X )K+k+‹ " "  ,E1ddd@ HPX "88XE  X,E+ @ HPX "dddXE2  10  .3      TAXREDEMPTIONCLAIMS݌ >( Ќ X 88XX   XB.@ HPX "88XB Priorityclaimsarisingfromataxsaleofrealpropertyshallbelistedinthisparagraphandspecificinstructionsfor * treatmentofcreditormustbeclearlysetoutinparagraph13.  E+ +‹+k*=< dd> ZZ> ZZ ZZ =<##, ZZ, ZZ, ZZ+  1'- 1 X  E.88@ HPX "XE Creditorname '.  '  Estimatedclaimamount '/  '  Deadlinetoredeemproperty ?50   ?K$(Xl$*K  -  Ԁ-  'l$1 '  -  Ԁ-  'l$2 '  -  Ԁ-  -#!l$3   -K$(X+K+k+‹ " "  ,E1ddd@ HPX "88XE  X,E+ @ HPX "dddXE62  11  .3      EXECUTORYCONTRACTS&UNEXPIREDLEASES6݌ j4 Ќ X 88XX   XB.@ HPX "88XB Postpetitionpaymentsandprepetitionarrearagesonexecutorycontractsandunexpiredleaseswhichare  6 assumedshallbepaiddirectlybydebtor.  q7  XE.88@ HPX "XE*=< dd ZZ ZZ ZZ =<8#8#, ZZ, ZZ, ZZ+  1'9 1  +‹+k Creditorname ':  '  Propertydescription ';  '  AcceptorReject ?5<   ?K$(Xd,K  -  Ԁ-  'd= '  -  Ԁ-  'd> '  -  Ԁ-  ?5d?  ?K$(XE-K  -  Ԁ-  'E@ '  -  Ԁ-  'EA '  -  Ԁ-  -#!EB   -K$(X.K+k+‹ " "  ,E1ddd@ HPX "88XE  X,E+ @ HPX "dddXE2  12  .3      NONPRIORITYUNSECUREDCREDITORSi݌ CC Ќ X 88XX   " "  XB.@ HPX "88XB  X?( @ HPX "X?c2  a  .3      Ifdebtorhasbothnonexemptequity(requiringaLAP)anddisposableincome(requiringaDIP),the E typeofplanselectedshouldbetheoptionwhichprovidesthegreatestdividendtononpriority JF unsecuredcreditorsandcomplieswith1325(b)iflessthana100%dividend.c;݌ ?G Ќ  88XX   ?+ @ HPX "88X?" "  XE.@ HPX "XE  X?( @ HPX "X?2  b  .3      Totheextentthatthedebtorisentitledtoataxrefundwhichisaprepetitionasset,thenonexempt  QI portionthereofwhicheitherisnotproperlysetoff,orwhichisnotalreadyprovidedforundertheterms F!J oftheplanforthebenefitoftheunsecuredcreditorsshallbeturnedovertothetrusteeforthebenefit !K ofthefiledandallowedunsecuredcreditors.o݌ "XL Ќ ! XX!      E.88@ HPX "XE" "  XB.@ HPX "88XB  X  ?( @ HPX "X?I2  c  .3      ݀Totheextentdebtorhasapendingorpotentiallawsuitorotheradministrativeproceeding,whetheror # N notsuchcauseofactionislistedonScheduleB,anynet,nonexemptproceedswhichbecome $_!O liquidatedduringtheapplicablecommitmentperiodshallbeturnedovertothetrusteeforthebenefitof T% "P unsecuredcreditorsabsentothercourtorderandabsentotheragreementwiththetrustee.I-݌ &"Q Ќ  88XX   XB.@ HPX "88XB" "  XXE.@ HPX "XE  X?( @ HPX "X?2  d  .3      Chooseonly one treatmentofnonpriorityunsecuredcreditorsbelow: ݌ ['$S Ќ X! XX!   XE.88@ HPX "XE" "  B.@ HPX "88XB  j ?%@ @ HPX "X?h2  i  .3   @   %  &%ԀAdividendof100%. hN݌ (m%U Ќ  88X@ @ X j  XB.@ HPX "88XB" "  XE.@ HPX "XE  j ?%@ @ HPX "X?2  ii  .3   @   %  &%ԀAdividendof0%. ݌ *&W Ќ X! X@ @ X! j  XE.88@ HPX "XE" "  B.@ HPX "88XB  j ?%@ @ HPX "X? 2  iii  .3     &Abaseplan.Thebaseis%  -  Ԁ-  %ZԀmonthsofpayments. ݌ i+!(Y Ќ  88X@ @ X j  " "  B.@ HPX "88XB  j ?%@ @ HPX "X?2  iv  .3     %  &%aԀLiquidationAnalysisPot(LAP) ݌ ,{)[ Ќ  88X@ @ X j  4<(l l l HPX "88X< 4E+   @ HPX "l l l XEThereisnonexemptequityof$%  -  Ԁ-  %. .*]   ?% HPX "   @ X? .+^ " "   H.@ HPX "XH  j ?%@ @ HPX "X?  2  v  .3   @   %  &% ԀDisposableIncomePot!60months(DIP60). z ݌ H Ќ  $X@ @ X$ j   H.88@ HPX "XH ?+   @ HPX "88X?TheDIP60amountis$-  Ԁ-  Ԁ(60x$-  Ԁ-  ԀmonthlydisposableincomeascalculatedonFormB22C). Z " "  H.@ HPX "   @ XH  j ?%@ @ HPX "X?  2  vi  .3     &DisposableIncomePot!36months(DIP36).  ݌  Ќ $   @ X@ @ X$ j  FE+~ ~ ~ @ HPX "   @ XE FE+   @ HPX "~ ~ ~ @ XETheDIP36amountis$-  Ԁ-  Ԁ(36x$-  Ԁ-  Ԁmonthlydisposableincome). V   ?% HPX "   @ X?" "  , K1ddd@ HPX "XK  ,H.@ HPX "dddXH a2  13  .3      OTHERREMARKSORPROVISIONS:aN݌ h Ќ  *X,@ X*   , K1ddd@ HPX "XK ,H.@ HPX "dddXH %  -  Ԁ-  %     H.88@ HPX "XH B.@ HPX "88XBDate:%  -  Ԁ-  % d   Chapter13debtor:%  -  Ԁ-  %X  v  Chapter13debtor:%  -  Ԁ-  % k #  By: }    Attorneyname:%  -  Ԁ-  %@     Attorneyaddress:%  -  Ԁ-  %     Attorneyphonenumber:%  -  Ԁ-  %! y1    H.88@ HPX "XH+&%+k PLANPROVISIONS    +k%+&   (0 0 6 / /""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXH 2  A  .3   d   PLANPAYMENT݌ L Ќ ,! 88XddX!   ,E1ddd@ HPX "88XE""  X,H.@ HPX "dddXH  LB+ @ HPX "XB2  i  .3      Mailingaddress: Allplanpaymentsshallbepayableto RichardV.Fink,Trustee,shallincludethedebtors ^ nameandcasenumberandshallbemailedtoRichardV.Fink,Trustee,P.O.Box1839,Memphis,TN38101 S  1839.݌  Ќ ,X$dddXX$ L  ,H.@ HPX "dddXH""  XH.@ HPX "XH  LB+ @ HPX "XB$2  ii  .3      Commencementdate: Planpaymentsshallcommencewithin30daysofthepetitiondate.Onceaplanis Z  confirmed,thatplanpaymentremainsineffectuntilsuchtimeasthecourtconfirmsasubsequentamendment.$݌ ! Ќ X$XX$ L  H.88@ HPX "XH""  XB.@ HPX "88XB  LB+ @ HPX "XB 2  iii  .3      Employerwageorder: Iftheboxforvoluntarywageassignmenttotheemployerischeckedandtheemployer a# addressisnotprovided,thewageordershallbeissueddirectlytothedebtor.Ifneitherboxinparagraph1is $ checked,thewageordershallbeissueddirectlytothedebtor.Fullandtimelypaymentisthedebtors s% responsibilityifthevoluntarywageassignmenthasnotgoneintoeffectoriftheemployerdoesnotremitthefull h & planpaymentamount.Thetrusteealsomaycauseanordertoremitplanpaymentstobeissuedtothedebtors ' employerpursuanttoLR30831.  ݌ z( Ќ X 88XX L  ""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXH $2  B  .3   d   DISTRIBUTIONSTOCREDITORS$X%݌  * Ќ ,! 88XddX!   XB.@ HPX "88XB""  XXE.@ HPX "XE  LB+ @ HPX "XB&2  i  .3      Proofofclaim: Thetrusteeshallonlydistributepayments,includingadequateprotectionpayments,tocreditors v!., whohavefiledproofsofclaim.Iftheplanprovidesforthedebtortomakepaymentsdirectly,thenthefailureof #"- thecreditortofileaproofofclaimdoesnotexcusethedebtorfrommakingtherequireddirectpayments.Ifthe ". debtoristomakedirectpaymentstoacreditor,thosepaymentsmustbepaidpursuanttothetermsofthe }#5 / contractregardlessofwhethertheplanisconfirmed.However,ifthetrusteeistopayanyportionofaclaim, *$ 0 thenitisnecessaryforthecreditortofileaproofofclaimtoreceivetheportionoftheclaimtobepaidthrough $!1 thetrustee.&t'݌ %<"2 Ќ XX! XX! L  XH1@ HPX "XH""  XH.@ HPX "XH  LB+ @ HPX "XB+2  ii  .3      Orderofdistributions: Thetrusteeshalldistributetocreditors,absentotherorderofthecourt,basedonthe  confirmedplan,filedandallowedproofsofclaim,andthenoticetoallowclaimsandanysubsequentnoticesto 'C$5 allowadditional,adjustedoramendedclaims.SeeLR30841andLR30851.Themannerandorderof 8($6 distributiontocreditorsshallbedeterminedbythetrusteeunlessotherwiseclearlysetoutintheplanas (%7 confirmed.+,݌ )J&8 Ќ X$XX$ L  H.@ HPX "XH""  XH.@ HPX "XH  LB+ @ HPX "XB/2  iii  .3      Creditormailingaddress/assignmentsortransfers: Thetrusteeshallmailpaymentstotheaddressprovided *': ontheproofofclaimunlessthecreditorprovidesanotheraddressinwritingforpaymentsorthetrusteereceives +Q(; otherofficial,writtennoticeofachangeofaddress.Iftheclaimisassignedortransferred,thetrusteeshall F,(< continuetoremittotheoriginalcreditoruntilanassignmentortransferofclaimisfiledwiththecourt./0݌ ,)=  X$XX$ L   H.88@ HPX "XH -X*> ""  XB.@ HPX "88XB  LB+ @ HPX "XB&42  iv  .3      Paymentofclaimafterliftingofstay: Thetrusteeshallcontinuetomakepaymentstoanycreditorwithafiled H andallowedclaimafteranordergrantingrelieffromthestayisenteredorthestayisotherwisenotineffect.  ThetrusteeshallceasemakingpaymentspursuanttoLR30861onlyif:&45݌ Z  X 88XX L  ""  B.@ HPX "88XB   B( @ HPX "XB>72  a  .3      anobjectiontotheclaimisfiledandanorderisentereddisallowingtheclaim;>7*8݌  Ќ  88XX   ""  B.@ HPX "88XB   B( @ HPX "XBO92  b  .3      theclaimiswithdrawnbythecreditor;orO98:݌ a Ќ  88XX   ""  B.@ HPX "88XB   B( @ HPX "XB6;2  c  .3      thecreditoradvisesthetrusteeinwritingtoceasemakingpaymentstoit.6;<݌ V Ќ  88XX   +&%+k""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXH+k%+& _=2  C  .3   d   ADMINISTRATIVECOSTS_=W>݌  Ќ ,! 88XddX!   ""  XB.@ HPX "88XB  LB+ @ HPX "XBE?2  i  .3      Trusteesfees: Trusteesfeesshallbecollectedfromeachpaymentdisbursedbythetrusteeregardlessof 0   whetheritispaidpreorpostconfirmation.See28USC586,1326,LR30861. E? @݌    Ќ X 88XX L  E1@ HPX "88XE ""  XH.@ HPX "XH  LB+ @ HPX "XB1B2  ii  .3      Debtorsattorneysfees: AttorneyfeesshallbepaidfromtheplanpaymentspursuanttoLR20161unlessa 7   differenttreatmentisprovidedinparagraph13andthecourtissuesaspecificorderregardingthatproposed   treatment.Theconfirmationoftheplanwithoutthatseparate,specificcourtordershallnotpermitattorneyfees  I  tobepaidcontrarytotheequalmonthlyamountspecifiedinparagraph2.Allattorneyfeespaidcontrarytothat >  paragraphorotherorderofthecourtaresubjecttodisgorgement. 1BC݌   Ќ X$XX$ L   H.88@ HPX "XH""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXHF2  D  .3   d   PRIORITYCLAIMSFG݌ E  Ќ ,! 88XddX!   ,E1ddd@ HPX "88XE ""  X,H.@ HPX "dddXH  LB+ @ HPX "XBH2  i  .3      Treatment: Section1322(a)(2)providesthatallclaimsentitledtopriorityunder507(a)shallbepaidinfullin W deferredcashpayments,exceptwhen1322(a)(4)appliesto507(a)(1)(B)priorityclaim,unlesstheholderofa L particularclaimagreestoadifferenttreatmentofsuchclaim.Allpriorityclaims,regardlessoftheunderlying  basisfortheclaim,aresimilarlyclassedforpurposesofdistributionunderthisplanunlessotherwisespecifiedin ^ paragraph13orotherorderofthecourt.Prioritycreditorsshallnotreceiveinterestontheirclaimsunless S  otherwisespecifiedintheplanorotherorderofthecourt.HI݌  Ќ ,X$dddXX$ L  ,K1@ HPX "dddXK""  XH.@ HPX "XH  LB+ @ HPX "XBM2  ii  .3      Classification: Allprioritycreditors,includingDSOs,withafiledandallowedclaimforwhomanEMAis Z providedinparagraph13,shallbegroupedfordistributionpurposeswithanycreditorforwhomanEMAis  provided,includingsecuredclaimsanddebtorsattorneysfees.Allpriorityunsecuredcreditors,including l DSOs,withafiledandallowedclaimforwhomanEMAisnotprovided,shallbegroupedfordistribution a purposeswithanysecuredcreditorbeingpaidprorataasfundsareavailableforthatclassofcreditors.MN݌   Ќ X$XX$ L  H.88@ HPX "XH""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXH 8R2  E  .3   d   LONGTERMREALESTATEMORTGAGES(RESIDENTIAL&NONRESIDENTIAL)&OTHERLONGTERM h " DEBTSPURSUANTTO1322(b)(5)ANDEXCEPTEDFROMDISCHARGEPURSUANTTO1328(a)(1) 8RS݌ # Ќ ,! 88XddX!   ""  XB.@ HPX "88XB  LB+ @ HPX "XBT2  i  .3      Interestrateforprepetitionarrearage: Allprepetitionarrearages,whetherscheduledorunscheduled,shall o'% bepaid0%interestpursuantto1322(e)unlessotherwisespecifiedintheplanororderedbythecourt.Ifa & portionoftheprepetitionarrearageisentitledtointerest,thetreatmentshouldbeclearlyspecifiedinparagraph ' 13astotheamounttobepaidinterestandtheapplicableinterestrate.Iftheproofofclaimisfiledwithno v.( informationregardingtheportiontobepaidinterest,thetrusteeshallpayinterestontheamountindicatedinthe #) plan.Ifnospecificinterestrateisprovidedandtheplanprovidesforinterest,thetrusteeshallusetheChapter * 13Rateineffectforthecase.TU݌ } 5+ Ќ X 88XX L  B.@ HPX "88XB""  XH.@ HPX "XH  LB+ @ HPX "XBY2  ii  .3      Postpetitionmortgagepaymentchange: A NoticeofPaymentChangeshallbefiledwiththecourtand !- servedonthedebtor,thedebtorscounselandthetrusteenolaterthansixty(60)dayspriortoanypayment "<. changeandshallcontaintheinformationrequiredpursuanttoLR30941(C)(3).YZ݌ 1#/ Ќ X$XX$ L  H.88@ HPX "XH""  XB.@ HPX "88XB  LB+ @ HPX "XBY]2  iii  .3      Preconfirmationadequateprotectionpaymentsonclaimssecuredbyrealproperty: Thetrusteeshall $C!1 distributeadequateprotectionpaymentstorealpropertycreditorsbeingpaidfromtheplanpaymentspursuant 8%!2 toLR30861(E).Y]4^݌ %"3 Ќ X 88XX L  ""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXH `2  F  .3   d   LIENRETENTION ``݌ ?'#5 Ќ ,! 88XddX!   E1@ HPX "88XE Theholderofasecuredclaimshallretainitslien,untiltheearlierofthepaymentoftheunderlyingdebtdetermined (Q%7 undernonbankruptcylaworthedischargeunder1328and,ifthecaseisdismissedorconvertedwithout F)%8 completionoftheplan,thelienalsoshallberetainedbysuchholdertotheextentrecognizedbyapplicablenon )&9 bankruptcylaw.1325(a)(5)(B). *X':  H.88@ HPX "XH""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXH Id2  G  .3   d   LIENAVOIDANCEId"e݌ +(< Ќ ,! 88XddX!   E1@ HPX "88XE Securedcreditorswithanonpurchasemoneysecurityinterestinconsumergoodsmaybesubjecttolien T- *> avoidanceper522(f),andtreatedasnonpriorityunsecuredonlyifaseparatemotion/actionisfiledandthecourt .*? entersanorderavoidingthelien.  .f+@  H.88@ HPX "XH""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXHg2  H  .3   d   SECUREDCREDITORSHOLDINGAPURCHASEMONEYSECURITYINTERESTENTITLEDTORECEIVE  ADEQUATEPROTECTIONgh݌ Z Ќ ,! 88XddX!   ""  XB.@ HPX "88XB  LB+ @ HPX "XBj2  i  .3      Preconfirmationadequateprotectionpayments :jj݌  Ќ X 88XX L  ""  B.@ HPX "88XB   B( @ HPX "XBk2  a  .3      Howmade: Alladequateprotectionpaymentstosecuredcreditorslistedinparagraph7requiredby V 1326(a)(1)shallbemadethroughthetrusteepursuanttoLR30861unlessotherwiseorderedbythe  court.Acreditorshallnotreceiveadequateprotectionpaymentsiftheplandoesnotprovideforsuch h creditortobetreatedassecuredinparagraph7.Inorderforsuchcreditortoreceiveadequate ]   protectionpayments,thedebtormustamendtheplantosospecifythatcreditorstreatmentassecured    andtoprovideanequalmonthlyamountforthatcreditororthecreditormustfileanappropriatemotion  o  foradequateprotectionwiththecourtandobtainanorder.Creditorsmayfileobjectionstothe d   adequateprotectiontreatmentprovidedbytheplan.kl݌    Ќ  88XX   r?+ @ HPX "88X?""  rH.@ HPX "  @ XH   B( @ HPX "XBq2  b  .3      Proofofclaimrequired: Allcreditorslistedintheplaninparagraph7shallreceiveadequate k #  protectionpaymentspursuantto1326(a)(1),withthetrusteereleasingsuchpaymentstoeachcreditor   onlyafteraproofofclaimisfiledwiththecourt.Adequateprotectionpaymentsshallbepaidfromthe }  secondmonthfollowingthepetitionorconversionmonththroughtheconfirmationmonth.Theprincipal r*  amountoftheadequateprotectionrecipientsclaimshallbereducedbytheamountoftheadequate   protectionpaymentsremittedunlessthecourtordersotherwise.qqr݌   Ќ r$  @ XX$   rH.88@ HPX "  @ XH""  B.@ HPX "88XB   B( @ HPX "XBFv2  c  .3      Longtermpersonalpropertyclaims: Anypersonalpropertydebtthatqualifiesasalongtermdebt & andislistedinparagraph4forwhichpreconfirmationadequateprotectionpaymentsarerequiredshall  bepaidadequateprotectionpayments.Fv/w݌ 8 Ќ  88XX   ""  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXHy2  I  .3   d   SECUREDCREDITORS!SURRENDERPER1325(a)(5)(C)yy݌  Ќ ,! 88XddX!   " "  XB.@ HPX "88XB  LB+ @ HPX "XBz2  i  .3      Timeofsurrender: Debtorshallsurrendercollateralnolaterthanthirty(30)daysfromthefilingofthepetition 4 unlessotherwisespecifiedintheplan. z{݌  Ќ X 88XX L  E1@ HPX "88XE " "  XH.@ HPX "XH  LB+ @ HPX "XB}2  ii  .3      Automaticstay: Anyrepossession/foreclosurepriortoconfirmationofthisplanmustbeobtainedbyafiled ; motionandcourtorder,unlesstheautomaticstaynolongerappliesunder362(c).Uponplanconfirmation,the   automaticstayshallbedeemedliftedforthecollateralidentifiedforsurrenderandthecreditorneednotfilea M! MotiontoLifttheStayinordertorepossess,forecloseuponorsellthecollateral.Nothinghereinisintendedto B" liftanyapplicablecodebtorstay,ortoabrogatedebtorsstatelawcontractrights. }~݌ # Ќ X$XX$ L  K1@ HPX "XK " "  XH.@ HPX "XH  LB+ @ HPX "XB22  iii  .3      Deficiencyclaim: Ifadeficiencyclaimisfiled,itshallbeallowedunlessthecolumntitled"SurrenderInLieuof I% EntireDebthasamarkofanykindinit.Ifthereisanymarkinsaidcolumn,thetrusteeshallpopulatethe & databaseas surrenderedinlieuoftheentiredebt,includinganynonpriorityunsecuredportion. 2݌ [' Ќ X$XX$ L  H.88@ HPX "XH" "  ,E1ddd@ HPX "88XE  H.dd@ HPX "dddXH2  J  .3   d   DEFINITIONS݌ ) Ќ ,! 88XddX!   ,E1ddd@ HPX "88XE " "  X,H.@ HPX "dddXH  LB+ @ HPX "XBɇ2  i  .3      Arrearage :Anyarrearageslistedarethedebtorsbestestimateoftheamountowedasofthedateofthe W + petition.ThetrusteeshallpayarrearagesbasedonthefiledandallowedproofofclaimpursuanttoLocalRule !, 30841.Ifnoarrearageamountisshownontheproofofclaim,noneshallbepaid. ɇ݌ !i- Ќ ,X$dddXX$ L  ,K1@ HPX "dddXK " "  XH.@ HPX "XH  LB+ @ HPX "XB;2  ii  .3      Baseplans :;݌  #/ Ќ X$XX$ L  H.88@ HPX "XH" "  B.@ HPX "88XB   B( @ HPX "XBY2  a  .3      Baseamount: Thebaseamount( Base)shallbecalculatedbymultiplyingthenumberofmonths e$!1 proposedinabasecasebythemonthlyplanpayment.Ifthemonthlyplanpaymentchanges,thebase %!2 shallbeadjustedaccordingly.YB݌ %w"3 Ќ  88XX   B.@ HPX "88XB" "  H.@ HPX "XH   B( @ HPX "XBv2  b  .3      AdjustmentstoBase: TheBasemaybeadjustedupwardtoaccommodateproofsofclaimand '#5 amendedproofsofclaimfiledandallowedafterthebardateandtoaccommodateincreasesinlong '~$6 termcontinuingdebtsbeingpaidthroughthetrusteefromtheplanpaymentsremittedbythedebtor. s(+%7 TheBasemaybeadjustedattheendoftheplaninordertoallowafullmonthlypaymentinthelast  )%8 monthoftheplantoanycreditorreceivinglongtermdebtpaymentsthroughthetrustee.TheBase )&9 maybeadjustedupwardduetoanyadditionalfundsthedebtorreceiveswhicharedeterminedtobe z*2': disposableincomeeitherbyagreementofthedebtorandthetrusteeorbyorderofthecourtregardless '+'; ofsource.Ifthedebtorremitssufficientfundstothetrusteetopayoffthecaseinfull,e.g.100%toall +(< filedandallowedunsecuredcreditors;thetrusteemayadjusttheplantoa100%planforfiledand ,9)= allowedunsecuredcreditorswithoutfurtherorderofthecourt.ve݌ .-)> Ќ $XX$   H.88@ HPX "XH" "  B.@ HPX "88XB   B( @ HPX "XB2  c  .3      Paymentofnonpriorityunsecuredcreditors: Filedandallowednonpriorityunsecuredcreditors .@+@ shallbepaidtheirproratashare,asfundsareavailable,ofplanpaymentsavailableafterthe 5/+A satisfactionofadministrativeexpenses,securedclaims(includinginterest),priorityunsecuredclaims H andafteralllongtermdebtpaymentsbeingpaidthroughthetrusteearecurrent.݌  Ќ  88XX   " "  B.@ HPX "88XB   B( @ HPX "XB2  d  .3      LengthofBase: Becausethetotalfundspaidintotheplanmustbesufficienttosatisfythe O administrativeexpenses,securedclaimsandpriorityunsecuredclaims,theplanmayactuallyrun  longerthanthenumberofmonthsneededtosatisfytheBase.AnyadjustmentsmadetotheBasethat a resultsinthePlanrunninginexcessofthesixtymonthstatutorytimelimitof1322(d)mayresultinthe V trusteefilingamotiontodismiss.o݌  Ќ  88XX   " "  XB.@ HPX "88XB  LB+ @ HPX "XBO2  iii  .3      Applicablecommitmentperiod: Ifthetrusteeoranunsecuredcreditorobjectstoconfirmationofaplan ]   pursuantto%  1325(b)(1)(B)%,thedebtorshalldevotetotheplanalldisposableincomeforpaymenttounsecured    creditorsfortheapplicablecommitmentperiodfromthedatethatthefirstplanpaymentisdue,asdefinedin  o  1326(a)(1),unlesstheplanprovidesforpaymentinfullofallfiledandallowedunsecuredclaimsoverashorter d   period.Regardlessofwhetherthetrusteeobjectedtotheconfirmationoftheplanpursuantto1325(b)(1)(B),    thetrusteemayfileaMotiontoAmendPlanpursuantto1329toaBaseplanoraPotplaniftheplanasfiled  v  andconfirmedwillpayalladministrativeexpensesandfiledandallowedsecuredandprioritycreditorsina k #  periodoftimethatislessthantheapplicablecommitmentperiod.Thisincludesplansrunninglesstimethan   anticipatedduetotheliftingoftheautomaticstay,securedorpriorityclaimsbeingallowedforlessthanthe }  scheduledamountornotfiledatall,withdrawnclaims,lienavoidanceordisallowanceofclaimsorplansrunning r*  lessthantheapplicablecommitmentperiodduetootherreasons.Thetrusteeorthedebtororanallowed   unsecuredclaimantmayalsofileaMotiontoAmendPlanpursuantto1329iftherehasbeenapost   confirmationchangeincircumstancesthatwouldallowthedebtortopayadividendoranincreaseddividendto y1 nonpriorityunsecuredcreditors.O*݌ & Ќ X 88XX L  " "  XB.@ HPX "88XB  LB+ @ HPX "XB2  iv  .3      Equalmonthlyamount(EMA): ClaimswithEMAsmayreceivemorethantheEMAandmayreceivethose 8 additionalfundspriortopaymentsbeingmadetononpriorityunsecuredcreditors. ʧ݌ - Ќ X 88XX L  " "  XB.@ HPX "88XB  LB+ @ HPX "XBp2  v  .3      Longtermdebt: Alongtermdebtisoneinwhichthefinalpaymentdueunderthetermsofthecontractcomes ? dueafterthefinalChapter13planpaymentcomesdue. pK݌ 4 Ќ X 88XX L  " "  XB.@ HPX "88XB  LB+ @ HPX "XBݫ2  vi  .3      Potplans: ݫ݌ F Ќ X 88XX L  E1@ HPX "88XE " "  H.@ HPX "XH   B( @ HPX "XB2  a  .3      Liquidationanalysispot(LAP): TheLAPshallfirstbeusedtosatisfypreconfirmationdebtors   attorneysfeesbeingpaidfromtheplanpaymentsandfiledandallowedpriorityclaims.Anyfunds M! remainingintheLAPafterthesatisfactionofthoseclaimsshallbepaidtofiledandallowednonpriority B" unsecuredclaims.IftheLAPislessthanorequaltothesumofthepreconfirmationdebtors # attorneysfeesbeingpaidfromtheplanpaymentsandthefiledandallowedpriorityclaims,thefiled T$ andallowednonpriorityunsecuredclaimsshallreceivezeropercent(0%),unlesstheplanrunsshort I% oftheapplicablecommitmentperiod.SeeparagraphJ(iii).Filedandallowedspecialorcodebtornon & priorityclaimsshallnotreceivemorethantheirproratashareofanyfundsavailablefordistributionto [' filedandallowednonpriorityclaimantsfromtheLAP;iftheplanprovidesforfiledandallowedspecial P( orcodebtornonpriorityclaimstobepaidmorethantheotherfiledandallowednonpriorityunsecured ) claimants,thenthedebtorshallpaytothetrusteetheadditionalfundsnecessarytosatisfythose b* claims. ݌ W + Ќ $XX$   H.@ HPX "XH " "  H.@ HPX "XH   B( @ HPX "XBo2  b  .3      Disposableincomepot(DIP):o^݌ !i- Ќ $XX$   H.@ HPX "XH " "  E+ @ HPX "XE  4<%l l HPX "X<2  1  .3   l   %  Abovemediandebtors(DIP60): Ifthedebtorhasdisposableincomeasdefinedin  #/ 1325(b)(2)and(b)(3)andtheapplicablecommitmentperiodasdefinedin #p 0 1325(b)(4)(A)isnotlessthanfive(5)years,theDIPamountshallbetheamountofthe e$!1 monthlydisposableincomeonformB22Cmultipliedby60. u݌ %!2 Ќ 4'Xl l X'   B(@ @ @ HPX "XB%Ҹ " "  B+ @ HPX "@ @ @ XB  4<%l l HPX "X<:2  2  .3   l   Belowmediandebtors(DIP36): Ifthedebtorhasdisposableincomeasdefinedin l&$#4 1325(b)(2)and(b)(3)andtheapplicablecommitmentperiodasdefinedin '#5 1325(b)(4)(A)isnotlessthanthree(3)years,theDIPamountshallbetheamountofthe '~$6 monthlydisposableincomemultipliedby36. :݌ s(+%7 Ќ 4$ @ @ @ Xl l X$   ?(@ @ @ HPX "@ @ @ X? " "  B+ @ HPX "@ @ @ XB  4<%l l HPX "X<2  3  .3   l   SharingintheDIP: TheDIPshallfirstbeusedtosatisfypreconfirmationdebtors )&9 attorneysfeesbeingpaidfromtheplanpaymentsandfiledandallowedspecialorco z*2': debtornonpriorityunsecuredclaims.Filedandallowedpriorityclaimsarenotdeducted '+'; fromtheDIP60astheyalreadyhavebeendeductedontheformB22C.Filedand +(< allowedpriorityclaimsaredeductedfromtheDIP36.AnyremainingfundsintheDIP ,9)= shallbepaidtofiledandallowednonpriorityunsecuredclaims.IftheDIPislessthanor .-)> equaltothesumofthepreconfirmationdebtorsattorneysfeesbeingpaidfromtheplan -*?  paymentsandfiledandallowedspecialorcodebtornonpriorityunsecuredclaims,the .@+@ filedandallowednonpriorityunsecuredclaimsshallreceivezeropercent(0%),unless H theplanrunsshortoftheapplicablecommitmentperiod.SeeparagraphJ(iii)above. j݌   4$ @ @ @ Xl l X$   E.88@ HPX "@ @ @ XE " "  B.@ HPX "88XB   B( @ HPX "XB2  c  .3      AdjustmenttodividendforbothLAPplansandDIPplans: Afterthedividendtononpriority O unsecuredcreditorsisset,thetrusteewillnotadjustthepercentagetoaccommodateproofsofclaim  andamendedproofsofclaimfiledandallowedafterthebardate.Ifthedebtorbelievesthat a adjustmentofthepercentageisrequired,itwillbetheresponsibilityofthedebtortoamendtheplan. V Ifthedebtordeterminesthatanadjustmentisrequired,itwillbetheresponsibilityofthedebtorto  determineanappropriatepercentageandfileanamendedplantosetthedividendtothatpercentage. h Anysuchamendmenttotheplanshallreflectthedividendwhichpreviouslyhasbeensetandshall ]   provideadividendthatwillcomplywith1325(a)(4)andmustbeatleastequaltoanydistributions    alreadymadetononpriorityunsecuredcreditors. ݌  o  Ќ  88XX   <(@ @ @ HPX "88X< " "  E.@ HPX "@ @ @ XE   B( @ HPX "XB2  d  .3      Trusteesavoidancepowers: Ifthetrusteeavoidsatransferofaninterestofthedebtorinproperty    andrecoversfundsinatotalamountequaltoorgreaterthanthreethousanddollars($3000.00),the  v  recoveredfundsshallbedistributedtounsecuredcreditorspursuanttotheprovisionsofaLAPplan k #  listedabove. ݌   Ќ ! @ @ @ XX!   E.88@ HPX "@ @ @ XE E1@ HPX "88XE vii. Valueofcollateral: Thevalueofcollaterallistedisthedebtorsbestestimate.Thetrusteeusesthevalue r*  listedonthefaceofthefiledproofofclaim,ifoneislisted,pursuanttoLocalRule30841whenpopulatingthe   databasewiththeproofofclaim.Ifthevalueofthecollateralisnotprovidedonthefaceoftheproofofclaimorin   theplanorschedules,theclaimshallbetreatedasanonpriorityunsecuredclaim. y1  H.88@ HPX "XH +XX+kXXX+X