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Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB1(OfficialForm1)(4/10)NameofDebtor(ifindividual,enterLast,First,Middle):NameofJointDebtor(Spouse)(Last,First,Middle):AllOtherNamesusedbytheDebtorinthelast8years(includemarried,maiden,andtradenames):AllOtherNamesusedbytheJointDebtorinthelast8years(includemarried,maiden,andtradenames):LastfourdigitsofSoc.Sec.orIndividual-TaxpayerI.D.(ITIN)No./CompleteEIN(ifmorethanone,stateall):LastfourdigitsofSoc.Sec.orIndividual-TaxpayerI.D.(ITIN)No./CompleteEIN(ifmorethanone,stateall):StreetAddressofDebtor(No.&Street,City,State&ZipCode):StreetAddressofJointDebtor(No.&Street,City,State&ZipCode):ZIPCODEZIPCODECountyofResidenceorofthePrincipalPlaceofBusiness:CountyofResidenceorofthePrincipalPlaceofBusiness:MailingAddressofDebtor(ifdifferentfromstreetaddress)MailingAddressofJointDebtor(ifdifferentfromstreetaddress):ZIPCODEZIPCODELocationofPrincipalAssetsofBusinessDebtor(ifdifferentfromstreetaddressabove):ZIPCODETypeofDebtor(FormofOrganization)(Checkonebox.)Individual(includesJointDebtors)SeeExhibitDonpage2ofthisform.Corporation(includesLLCandLLP)PartnershipOther(Ifdebtorisnotoneoftheaboveentities,checkthisboxandstatetypeofentitybelow.)NatureofBusiness(Checkonebox.)HealthCareBusinessSingleAssetRealEstateasdefinedin11U.S.C.§101(51B)RailroadStockbrokerCommodityBrokerClearingBankOtherTax-ExemptEntity(Checkbox,ifapplicable.)Debtorisatax-exemptorganizationunderTitle26oftheUnitedStatesCode(theInternalRevenueCode).ChapterofBankruptcyCodeUnderWhichthePetitionisFiled(Checkonebox.)Chapter7Chapter15PetitionforChapter9RecognitionofaForeignChapter11MainProceedingChapter12Chapter15PetitionforChapter13RecognitionofaForeignNonmainProceedingNatureofDebts(Checkonebox.)DebtsareprimarilyconsumerDebtsareprimarilydebts,definedin11U.S.C.businessdebts.§101(8)as“incurredbyanindividualprimarilyforapersonal,family,orhouse-holdpurpose.”FilingFee(Checkonebox)FullFilingFeeattachedFilingFeetobepaidininstallments(Applicabletoindividualsonly).Mustattachsignedapplicationforthecourt’sconsiderationcertifyingthatthedebtorisunabletopayfeeexceptininstallments.Rule1006(b).SeeOfficialForm3A.FilingFeewaiverrequested(Applicabletochapter7individualsonly).Mustattachsignedapplicationforthecourt’sconsideration.SeeOfficialForm3B.Chapter11DebtorsCheckonebox:Debtorisasmallbusinessdebtorasdefinedin11U.S.C.§101(51D).Debtorisnotasmallbusinessdebtorasdefinedin11U.S.C.§101(51D).Checkif:Debtor’saggregatenoncontingentliquidateddebtsowedtonon-insidersoraffiliatesarelessthan$2,343,300(amountsubjecttoadjustmenton4/01/13andeverythreeyearsthereafter).----------------------------------------------------------------Checkallapplicableboxes:AplanisbeingfiledwiththispetitionAcceptancesoftheplanweresolicitedprepetitionfromoneormoreclassesofcreditors,inaccordancewith11U.S.C.§1126(b).Statistical/AdministrativeInformationDebtorestimatesthatfundswillbeavailablefordistributiontounsecuredcreditors.Debtorestimatesthat,afteranyexemptpropertyisexcludedandadministrativeexpensespaid,therewillbenofundsavailablefordistributiontounsecuredcreditors.THISSPACEISFORCOURTUSEONLYEstimatedNumberofCreditors1-4950-99100-199200-9991,000-5,0005,001-10,00010,001-25,00025,001-50,00050,001-100,000Over100,000EstimatedAssets$0to$50,000$50,001to$100,000$100,001to$500,000$500,001to$1million$1,000,001to$10million$10,000,001to$50million$50,000,001to$100million$100,000,001to$500million$500,000,001to$1billionMorethan$1billionEstimatedLiabilities$0to$50,000$50,001to$100,000$100,001to$500,000$500,001to$1million$1,000,001to$10million$10,000,001to$50million$50,000,001to$100million$100,000,001to$500million$500,000,001to$1billionMorethan$1billionUnited States Bankruptcy CourtSouthern District of AlabamaVoluntary PetitionChavers, Christopher B95719691 Chariot AveFairhope, AL36532Baldwin(cid:252)(cid:252)(cid:252)(cid:252)(cid:252)(cid:252)(cid:252)(cid:252)Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB1(OfficialForm1)(4/10)Page2(Thispagemustbecompletedandfiledineverycase)NameofDebtor(s):PriorBankruptcyCaseFiledWithinLast8Years(Ifmorethantwo,attachadditionalsheet)LocationWhereFiled:CaseNumber:DateFiled:LocationWhereFiled:CaseNumber:DateFiled:PendingBankruptcyCaseFiledbyanySpouse,PartnerorAffiliateofthisDebtor(Ifmorethanone,attachadditionalsheet)NameofDebtor:CaseNumber:DateFiled:District:Relationship:Judge:ExhibitA(Tobecompletedifdebtorisrequiredtofileperiodicreports(e.g.,forms10Kand10Q)withtheSecuritiesandExchangeCommissionpursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934andisrequestingreliefunderchapter11.)ExhibitAisattachedandmadeapartofthispetition.ExhibitB(Tobecompletedifdebtorisanindividualwhosedebtsareprimarilyconsumerdebts.)I,theattorneyforthepetitionernamedintheforegoingpetition,declarethatIhaveinformedthepetitionerthat[heorshe]mayproceedunderchapter7,11,12,or13oftitle11,UnitedStatesCode,andhaveexplainedthereliefavailableundereachsuchchapter.IfurthercertifythatIdeliveredtothedebtorthenoticerequiredby§342(b)oftheBankruptcyCode.XSignatureofAttorneyforDebtor(s)DateExhibitCDoesthedebtorownorhavepossessionofanypropertythatposesorisallegedtoposeathreatofimminentandidentifiableharmtopublichealthorsafety?Yes,andExhibitCisattachedandmadeapartofthispetition.NoExhibitD(Tobecompletedbyeveryindividualdebtor.Ifajointpetitionisfiled,eachspousemustcompleteandattachaseparateExhibitD.)ExhibitDcompletedandsignedbythedebtorisattachedandmadeapartofthispetition.Ifthisisajointpetition:ExhibitDalsocompletedandsignedbythejointdebtorisattachedamadeapartofthispetition.InformationRegardingtheDebtor-Venue(Checkanyapplicablebox.)Debtorhasbeendomiciledorhashadaresidence,principalplaceofbusiness,orprincipalassetsinthisDistrictfor180daysimmediatelyprecedingthedateofthispetitionorforalongerpartofsuch180daysthaninanyotherDistrict.Thereisabankruptcycaseconcerningdebtor’saffiliate,generalpartner,orpartnershippendinginthisDistrict.DebtorisadebtorinaforeignproceedingandhasitsprincipalplaceofbusinessorprincipalassetsintheUnitedStatesinthisDistrict,orhasnoprincipalplaceofbusinessorassetsintheUnitedStatesbutisadefendantinanactionorproceeding[inafederalorstatecourt]inthisDistrict,ortheinterestsofthepartieswillbeservedinregardtothereliefsoughtinthisDistrict.CertificationbyaDebtorWhoResidesasaTenantofResidentialProperty(Checkallapplicableboxes.)Landlordhasajudgmentagainstthedebtorforpossessionofdebtor’sresidence.(Ifboxchecked,completethefollowing.)(Nameoflandlordorlessorthatobtainedjudgment)(Addressoflandlordorlessor)Debtorclaimsthatunderapplicablenonbankruptcylaw,therearecircumstancesunderwhichthedebtorwouldbepermittedtocuretheentiremonetarydefaultthatgaverisetothejudgmentforpossession,afterthejudgmentforpossessionwasentered,andDebtorhasincludedinthispetitionthedepositwiththecourtofanyrentthatwouldbecomedueduringthe30-dayperiodafterthefilingofthepetition.Debtorcertifiesthathe/shehasservedtheLandlordwiththiscertification.(11U.S.C.§362(l)).Voluntary PetitionChavers, Christopher BNoneNone/s/ Allyson C Pearce 8/20/10(cid:252)(cid:252)(cid:252)Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB1(OfficialForm1)(4/10)Page3(Thispagemustbecompletedandfiledineverycase)NameofDebtor(s):SignaturesSignature(s)ofDebtor(s)(Individual/Joint)Ideclareunderpenaltyofperjurythattheinformationprovidedinthispetitionistrueandcorrect.[IfpetitionerisanindividualwhosedebtsareprimarilyconsumerdebtsandhaschosentofileunderChapter7]IamawarethatImayproceedunderchapter7,11,12or13oftitle11,UnitedStateCode,understandthereliefavailableundereachsuchchapter,andchoosetoproceedunderchapter7.[Ifnoattorneyrepresentsmeandnobankruptcypetitionpreparersignsthepetition]Ihaveobtainedandreadthenoticerequiredby11U.S.C.§342(b).Irequestreliefinaccordancewiththechapteroftitle11,UnitedStatesCode,specifiedinthispetition.XSignatureofDebtorXSignatureofJointDebtorTelephoneNumber(Ifnotrepresentedbyattorney)DateSignatureofaForeignRepresentativeIdeclareunderpenaltyofperjurythattheinformationprovidedinthispetitionistrueandcorrect,thatIamtheforeignrepresentativeofadebtorinaforeignproceeding,andthatIamauthorizedtofilethispetition.(Checkonlyonebox.)Irequestreliefinaccordancewithchapter15oftitle11,UnitedStatesCode.Certifiedcopiesofthedocumentsrequiredby11U.S.C.§1515areattached.Pursuantto11U.S.C.§1511,Irequestreliefinaccordancewiththechapteroftitle11specifiedinthispetition.Acertifiedcopyoftheordergrantingrecognitionoftheforeignmainproceedingisattached.XSignatureofForeignRepresentativePrintedNameofForeignRepresentativeDateSignatureofAttorney*XSignatureofAttorneyforDebtor(s)Date*Inacaseinwhich§707(b)(4)(D)applies,thissignaturealsoconstitutesacertificationthattheattorneyhasnoknowledgeafteraninquirythattheinformationintheschedulesisincorrect.SignatureofNon-AttorneyPetitionPreparerIdeclareunderpenaltyofperjurythat:1)Iamabankruptcypetitionpreparerasdefinedin11U.S.C.§110;2)Ipreparedthisdocumentforcompensationandhaveprovidedthedebtorwithacopyofthisdocumentandthenoticesandinformationrequiredunder11U.S.C.§§110(b),110(h)and342(b);3)ifrulesorguidelineshavebeenpromulgatedpursuantto11U.S.C.§110(h)settingamaximumfeeforserviceschargeablebybankruptcypetitionpreparers,Ihavegiventhedebtornoticeofthemaximumamountbeforepreparinganydocumentforfilingforadebtororacceptinganyfeefromthedebtor,asrequiredinthatsection.OfficialForm19isattached.PrintedNameandtitle,ifany,ofBankruptcyPetitionPreparerSocialSecurityNumber(Ifthebankruptcypetitionpreparerisnotanindividual,statetheSocialSecuritynumberoftheofficer,principal,responsiblepersonorpartnerofthebankruptcypetitionpreparer.)(Requiredby11U.S.C.§110.)AddressXSignatureofBankruptcyPetitionPreparerorofficer,principal,responsibleperson,orpartnerwhosesocialsecuritynumberisprovidedabove.DateNamesandSocialSecuritynumbersofallotherindividualswhopreparedorassistedinpreparingthisdocumentunlessthebankruptcypetitionpreparerisnotanindividual:Ifmorethanonepersonpreparedthisdocument,attachadditionalsheetsconformingtotheappropriateofficialformforeachperson.Abankruptcypetitionpreparer’sfailuretocomplywiththeprovisionsoftitle11andtheFederalRulesofBankruptcyProceduremayresultinfinesorimprisonmentorboth11U.S.C.§110;18U.S.C.§156.SignatureofDebtor(Corporation/Partnership)Ideclareunderpenaltyofperjurythattheinformationprovidedinthispetitionistrueandcorrect,andthatIhavebeenauthorizedtofilethispetitiononbehalfofthedebtor.Thedebtorrequestsreliefinaccordancewiththechapteroftitle11,UnitedStatesCode,specifiedinthispetition.XSignatureofAuthorizedIndividualPrintedNameofAuthorizedIndividualTitleofAuthorizedIndividualDateVoluntary PetitionChavers, Christopher B/s/ Christopher B ChaversChristopher B Chavers(251) 213-7327August 20, 2010/s/ Allyson C PearceAugust 20, 2010Allyson C PearcePearce Law FirmP. O. Box 609Foley, AL 36536(251) 971-2676 Fax: (251) [email protected] 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB1D(OfficialForm1,ExhibitD)(12/09)INRE:CaseNo.Debtor(s)ChapterCREDITCOUNSELINGREQUIREMENTWarning:Youmustbeabletochecktruthfullyoneofthefivestatementsregardingcreditcounselinglistedbelow.Ifyoucannotdoso,youarenoteligibletofileabankruptcycase,andthecourtcandismissanycaseyoudofile.Ifthathappens,youwilllosewhateverfilingfeeyoupaid,andyourcreditorswillbeabletoresumecollectionactivitiesagainstyou.Ifyourcaseisdismissedandyoufileanotherbankruptcycaselater,youmayberequiredtopayasecondfilingfeeandyoumayhavetotakeextrastepstostopcreditors’collectionactivities.EveryindividualdebtormustfilethisExhibitD.Ifajointpetitionisfiled,eachspousemustcompleteandfileaseparateExhibitD.Checkoneofthefivestatementsbelowandattachanydocumentsasdirected.1.Withinthe180daysbeforethefilingofmybankruptcycase,IreceivedabriefingfromacreditcounselingagencyapprovedbytheUnitedStatestrusteeorbankruptcyadministratorthatoutlinedtheopportunitiesforavailablecreditcounselingandassistedmeinperformingarelatedbudgetanalysis,andIhaveacertificatefromtheagencydescribingtheservicesprovidedtome.Attachacopyofthecertificateandacopyofanydebtrepaymentplandevelopedthroughtheagency.2.Withinthe180daysbeforethefilingofmybankruptcycase,IreceivedabriefingfromacreditcounselingagencyapprovedbytheUnitedStatestrusteeorbankruptcyadministratorthatoutlinedtheopportunitiesforavailablecreditcounselingandassistedmeinperformingarelatedbudgetanalysis,butIdonothaveacertificatefromtheagencydescribingtheservicesprovidedtome.Youmustfileacopyofacertificatefromtheagencydescribingtheservicesprovidedtoyouandacopyofanydebtrepaymentplandevelopedthroughtheagencynolaterthan14daysafteryourbankruptcycaseisfiled.3.IcertifythatIrequestedcreditcounselingservicesfromanapprovedagencybutwasunabletoobtaintheservicesduringthesevendaysfromthetimeImademyrequest,andthefollowingexigentcircumstancesmeritatemporarywaiverofthecreditcounselingrequirementsoIcanfilemybankruptcycasenow.[Summarizeexigentcircumstanceshere.]Ifyourcertificationissatisfactorytothecourt,youmuststillobtainthecreditcounselingbriefingwithinthefirst30daysafteryoufileyourbankruptcypetitionandpromptlyfileacertificatefromtheagencythatprovidedthecounseling,togetherwithacopyofanydebtmanagementplandevelopedthroughtheagency.Failuretofulfilltheserequirementsmayresultindismissalofyourcase.Anyextensionofthe30-daydeadlinecanbegrantedonlyforcauseandislimitedtoamaximumof15days.Yourcasemayalsobedismissedifthecourtisnotsatisfiedwithyourreasonsforfilingyourbankruptcycasewithoutfirstreceivingacreditcounselingbriefing.4.Iamnotrequiredtoreceiveacreditcounselingbriefingbecauseof:[Checktheapplicablestatement.][Mustbeaccompaniedbyamotionfordeterminationbythecourt.]Incapacity.(Definedin11U.S.C.§109(h)(4)asimpairedbyreasonofmentalillnessormentaldeficiencysoastobeincapableofrealizingandmakingrationaldecisionswithrespecttofinancialresponsibilities.);Disability.(Definedin11U.S.C.§109(h)(4)asphysicallyimpairedtotheextentofbeingunable,afterreasonableeffort,toparticipateinacreditcounselingbriefinginperson,bytelephone,orthroughtheInternet.);Activemilitarydutyinamilitarycombatzone.5.TheUnitedStatestrusteeorbankruptcyadministratorhasdeterminedthatthecreditcounselingrequirementof11U.S.C.§109(h)doesnotapplyinthisdistrict.Icertifyunderpenaltyofperjurythattheinformationprovidedaboveistrueandcorrect.SignatureofDebtor:Date:United States Bankruptcy CourtSouthern District of AlabamaEXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE13Chavers, Christopher B(cid:252)/s/ Christopher B ChaversAugust 20, 2010Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)Accordingtothecalculationsrequiredbythisstatement:Theapplicablecommitmentperiodis3years.Theapplicablecommitmentperiodis5years.Disposableincomeisdeterminedunder§1325(b)(3).Disposableincomeisnotdeterminedunder§1325(b)(3).(ChecktheboxesasdirectedinLines17and23ofthisstatement.)Inre:Debtor(s)CaseNumber:(Ifknown)ANDCALCULATIONOFCOMMITMENTPERIODANDDISPOSABLEINCOMEInadditiontoSchedulesIandJ,thisstatementmustbecompletedbyeveryindividualChapter13debtor,whetherornotfilingjointly.Jointdebtorsmaycompleteonestatementonly.PartI.REPORTOFINCOME1Marital/filingstatus.Checktheboxthatappliesandcompletethebalanceofthispartofthisstatementasdirected.a.Unmarried.CompleteonlyColumnA(“Debtor’sIncome”)forLines2-10.b.Married.CompletebothColumnA(“Debtor’sIncome”)andColumnB(“Spouse’sIncome”)forLines2-10.Allfiguresmustreflectaveragemonthlyincomereceivedfromallsources,derivedduringthesixcalendarmonthspriortofilingthebankruptcycase,endingonthelastdayofthemonthbeforethefiling.Iftheamountofmonthlyincomevariedduringthesixmonths,youmustdividethesix-monthtotalbysix,andentertheresultontheappropriateline.ColumnADebtor’sIncomeColumnBSpouse’sIncome2Grosswages,salary,tips,bonuses,overtime,commissions.$$3Incomefromtheoperationofabusiness,profession,orfarm.SubtractLinebfromLineaandenterthedifferenceintheappropriatecolumn(s)ofLine3.Ifyouoperatemorethanonebusiness,professionorfarm,enteraggregatenumbersandprovidedetailsonanattachment.Donotenteranumberlessthanzero.DonotincludeanypartofthebusinessexpensesenteredonLinebasadeductioninPartIV.$$a.Grossreceipts$b.Ordinaryandnecessaryoperatingexpenses$c.BusinessincomeSubtractLinebfromLinea4Rentandotherrealpropertyincome.SubtractLinebfromLineaandenterthedifferenceintheappropriatecolumn(s)ofLine4.Donotenteranumberlessthanzero.DonotincludeanypartoftheoperatingexpensesenteredonLinebasadeductioninPartIV.$$a.Grossreceipts$b.Ordinaryandnecessaryoperatingexpenses$c.RentandotherrealpropertyincomeSubtractLinebfromLinea5Interest,dividends,androyalties.$$6Pensionandretirementincome.$$7Anyamountspaidbyanotherpersonorentity,onaregularbasis,forthehouseholdexpensesofthedebtororthedebtor’sdependents,includingchildsupportpaidforthatpurpose.Donotincludealimonyorseparatemaintenancepaymentsoramountspaidbythedebtor’sspouse.$$CHAPTER 13 STATEMENT OF CURRENT MONTHLY INCOMEChavers, Christopher B(cid:252)(cid:252)(cid:252) 3,950.85Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)8Unemploymentcompensation.Entertheamountintheappropriatecolumn(s)ofLine8.However,ifyoucontendthatunemploymentcompensationreceivedbyyouoryourspousewasabenefitundertheSocialSecurityAct,donotlisttheamountofsuchcompensationinColumnAorB,butinsteadstatetheamountinthespacebelow:$$UnemploymentcompensationclaimedtobeabenefitundertheSocialSecurityActDebtor$Spouse$9Incomefromallothersources.Specifysourceandamount.Ifnecessary,listadditionalsourcesonaseparatepage.TotalandenteronLine9.Donotincludealimonyorseparatemaintenancepaymentspaidbyyourspouse,butincludeallotherpaymentsofalimonyorseparatemaintenance.DonotincludeanybenefitsreceivedundertheSocialSecurityActorpaymentsreceivedasavictimofawarcrime,crimeagainsthumanity,orasavictimofinternationalordomesticterrorism.$$a.$b.$10Subtotal.AddLines2thru9inColumnA,and,ifColumnBiscompleted,addLines2through9inColumnB.Enterthetotal(s).$$11Total.IfColumnBhasbeencompleted,addLine10,ColumnAtoLine10,ColumnB,andenterthetotal.IfColumnBhasnotbeencompleted,entertheamountfromLine10,ColumnA.$PartII.CALCULATIONOF§1325(b)(4)COMMITMENTPERIOD12EntertheamountfromLine11.$13MaritalAdjustment.Ifyouaremarried,butarenotfilingjointlywithyourspouse,ANDifyoucontendthatcalculationofthecommitmentperiodunder§1325(b)(4)doesnotrequireinclusionoftheincomeofyourspouse,entertheamountoftheincomelistedinLine10,ColumnBthatwasNOTpaidonaregularbasisforthehouseholdexpensesofyouoryourdependents.Otherwise,enterzero.$a.$b.$c.$TotalandenteronLine13.14SubtractLine13fromLine12andentertheresult.$15Annualizedcurrentmonthlyincomefor§1325(b)(4).MultiplytheamountfromLine14bythenumber12andentertheresult.$16Applicablemedianfamilyincome.Enterthemedianfamilyincomefortheapplicablestateandhouseholdsize.(Thisinformationisavailablebyfamilysizeatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt.)a.Enterdebtor’sstateofresidence:b.Enterdebtor’shouseholdsize:$17Applicationof§1325(b)(4).Checktheapplicableboxandproceedasdirected.TheamountonLine15islessthantheamountonLine16.Checktheboxfor“Theapplicablecommitmentperiodis3years”atthetopofpage1ofthisstatementandcontinuewiththisstatement.TheamountonLine15isnotlessthantheamountonLine16.Checktheboxfor“Theapplicablecommitmentperiodis5years”atthetopofpage1ofthisstatementandcontinuewiththisstatement.PartIII.APPLICATIONOF§1325(b)(3)FORDETERMININGDISPOSABLEINCOME18EntertheamountfromLine11.$ 3,950.85 3,950.85 3,950.85 0.00 3,950.85 47,410.20Alabama 3 55,433.00(cid:252) 3,950.85Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)19Maritaladjustment.Ifyouaremarried,butarenotfilingjointlywithyourspouse,enteronLine19thetotalofanyincomelistedinLine10,ColumnBthatwasNOTpaidonaregularbasisforthehouseholdexpensesofthedebtororthedebtor’sdependents.SpecifyinthelinesbelowthebasisforexcludingtheColumnBincome(suchaspaymentofthespouse’staxliabilityorthespouse’ssupportofpersonsotherthanthedebtororthedebtor’sdependents)andtheamountofincomedevotedtoeachpurpose.Ifnecessary,listadditionaladjustmentsonaseparatepage.Iftheconditionsforenteringthisadjustmentdonotapply,enterzero.$a.$b.$c.$TotalandenteronLine19.20Currentmonthlyincomefor§1325(b)(3).SubtractLine19fromLine18andentertheresult.$21Annualizedcurrentmonthlyincomefor§1325(b)(3).MultiplytheamountfromLine20bythenumber12andentertheresult.$22Applicablemedianfamilyincome.EntertheamountfromLine16.$23Applicationof§1325(b)(3).Checktheapplicableboxandproceedasdirected.TheamountonLine21ismorethantheamountonLine22.Checktheboxfor“Disposableincomeisdeterminedunder§1325(b)(3)”atthetopofpage1ofthisstatementandcompletetheremainingpartsofthisstatement.TheamountonLine21isnotmorethantheamountonLine22.Checktheboxfor“Disposableincomeisnotdeterminedunder§1325(b)(3)”atthetopofpage1ofthisstatementandcompletePartVIIofthisstatement.DonotcompletePartsIV,V,orVI.PartIV.CALCULATIONOFDEDUCTIONSALLOWEDUNDER§707(b)(2)SubpartA:DeductionsunderStandardsoftheInternalRevenueService(IRS)24ANationalStandards:food,apparelandservices,housekeepingsupplies,personalcare,andmiscellaneous.EnterinLine24Athe“Total”amountfromIRSNationalStandardsforAllowableLivingExpensesfortheapplicablehouseholdsize.(Thisinformationisavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt.)$24BNationalStandards:healthcare.EnterinLinea1belowtheamountfromIRSNationalStandardsforOut-of-PocketHealthCareforpersonsunder65yearsofage,andinLinea2theIRSNationalStandardsforOut-of-PocketHealthCareforpersons65yearsofageorolder.(Thisinformationisavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt.)EnterinLineb1thenumberofmembersofyourhouseholdwhoareunder65yearsofage,andenterinLineb2thenumberofmembersofyourhouseholdwhoare65yearsofageorolder.(ThetotalnumberofhouseholdmembersmustbethesameasthenumberstatedinLine16b.)MultiplyLinea1byLineb1toobtainatotalamountforhouseholdmembersunder65,andentertheresultinLinec1.MultiplyLinea2byLineb2toobtainatotalamountforhouseholdmembers65andolder,andentertheresultinLinec2.AddLinesc1andc2toobtainatotalhealthcareamount,andentertheresultinLine24B.$Householdmembersunder65yearsofageHouseholdmembers65yearsofageoroldera1.Allowancepermembera2.Allowancepermemberb1.Numberofmembersb2.Numberofmembersc1.Subtotalc2.Subtotal25ALocalStandards:housingandutilities;non-mortgageexpenses.EntertheamountoftheIRSHousingandUtilitiesStandards;non-mortgageexpensesfortheapplicablecountyandhouseholdsize.(Thisinformationisavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt).$ 0.00 3,950.85 47,410.20 55,433.00(cid:252)Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)25BLocalStandards:housingandutilities;mortgage/rentexpense.Enter,inLineabelow,theamountoftheIRSHousingandUtilitiesStandards;mortgage/rentexpenseforyourcountyandhouseholdsize(thisinformationisavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt);enteronLinebthetotaloftheAverageMonthlyPaymentsforanydebtssecuredbyyourhome,asstatedinLine47;subtractLinebfromLineaandentertheresultinLine25B.Donotenteranamountlessthanzero.$a.IRSHousingandUtilitiesStandards;mortgage/rentalexpense$b.AverageMonthlyPaymentforanydebtssecuredbyyourhome,ifany,asstatedinLine47$c.Netmortgage/rentalexpenseSubtractLinebfromLinea26LocalStandards:housingandutilities;adjustment.IfyoucontendthattheprocesssetoutinLines25Aand25BdoesnotaccuratelycomputetheallowancetowhichyouareentitledundertheIRSHousingandUtilitiesStandards,enteranyadditionalamounttowhichyoucontendyouareentitled,andstatethebasisforyourcontentioninthespacebelow:$27ALocalStandards:transportation;vehicleoperation/publictransportationexpense.Youareentitledtoanexpenseallowanceinthiscategoryregardlessofwhetheryoupaytheexpensesofoperatingavehicleandregardlessofwhetheryouusepublictransportation.CheckthenumberofvehiclesforwhichyoupaytheoperatingexpensesorforwhichtheoperatingexpensesareincludedasacontributiontoyourhouseholdexpensesinLine7.012ormore.Ifyouchecked0,enteronLine27Athe“PublicTransportation”amountfromIRSLocalStandards:Transportation.Ifyouchecked1or2ormore,enteronLine27Athe“OperatingCosts”amountfromIRSLocalStandards:TransportationfortheapplicablenumberofvehiclesintheapplicableMetropolitanStatisticalAreaorCensusRegion.(Theseamountsareavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt.)$27BLocalStandards:transportation;additionalpublictransportationexpense.Ifyoupaytheoperatingexpensesforavehicleandalsousepublictransportation,andyoucontendthatyouareentitledtoanadditionaldeductionforyourpublictransportationexpenses,enteronLine27Bthe“PublicTransportation”amountfromIRSLocalStandards:Transportation.(Thisamountisavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt.)$28LocalStandards:transportationownership/leaseexpense;Vehicle1.Checkthenumberofvehiclesforwhichyouclaimanownership/leaseexpense.(Youmaynotclaimanownership/leaseexpenseformorethantwovehicles.)12ormore.Enter,inLineabelow,the“OwnershipCosts”for“OneCar”fromtheIRSLocalStandards:Transportation(availableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt);enterinLinebthetotaloftheAverageMonthlyPaymentsforanydebtssecuredbyVehicle1,asstatedinLine47;subtractLinebfromLineaandentertheresultinLine28.Donotenteranamountlessthanzero.$a.IRSTransportationStandards,OwnershipCosts$b.AverageMonthlyPaymentforanydebtssecuredbyVehicle1,asstatedinLine47$c.Netownership/leaseexpenseforVehicle1SubtractLinebfromLineaCase 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)29LocalStandards:transportationownership/leaseexpense;Vehicle2.CompletethisLineonlyifyoucheckedthe“2ormore”BoxinLine28.Enter,inLineabelow,the“OwnershipCosts”for“OneCar”fromtheIRSLocalStandards:Transportation(availableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt);enterinLinebthetotaloftheAverageMonthlyPaymentsforanydebtssecuredbyVehicle2,asstatedinLine47;subtractLinebfromLineaandentertheresultinLine29.Donotenteranamountlessthanzero.$a.IRSTransportationStandards,OwnershipCosts$b.AverageMonthlyPaymentforanydebtssecuredbyVehicle2,asstatedinLine47$c.Netownership/leaseexpenseforVehicle2SubtractLinebfromLinea30OtherNecessaryExpenses:taxes.Enterthetotalaveragemonthlyexpensethatyouactuallyincurforallfederal,state,andlocaltaxes,otherthanrealestateandsalestaxes,suchasincometaxes,self-employmenttaxes,social-securitytaxes,andMedicaretaxes.Donotincluderealestateorsalestaxes.$31OtherNecessaryExpenses:involuntarydeductionsforemployment.Enterthetotalaveragemonthlydeductionsthatarerequiredforyouremployment,suchasmandatoryretirementcontributions,uniondues,anduniformcosts.Donotincludediscretionaryamounts,suchasvoluntary401(k)contributions.$32OtherNecessaryExpenses:lifeinsurance.Entertotalaveragemonthlypremiumsthatyouactuallypayfortermlifeinsuranceforyourself.Donotincludepremiumsforinsuranceonyourdependents,forwholelifeorforanyotherformofinsurance.$33OtherNecessaryExpenses:court-orderedpayments.Enterthetotalmonthlyamountthatyouarerequiredtopaypursuanttotheorderofacourtoradministrativeagency,suchasspousalorchildsupportpayments.DonotincludepaymentsonpastdueobligationsincludedinLine49.$34OtherNecessaryExpenses:educationforemploymentorforaphysicallyormentallychallengedchild.Enterthetotalaveragemonthlyamountthatyouactuallyexpendforeducationthatisaconditionofemploymentandforeducationthatisrequiredforaphysicallyormentallychallengeddependentchildforwhomnopubliceducationprovidingsimilarservicesisavailable.$35OtherNecessaryExpenses:childcare.Enterthetotalaveragemonthlyamountthatyouactuallyexpendonchildcare—suchasbaby-sitting,daycare,nurseryandpreschool.Donotincludeothereducationalpayments.$36OtherNecessaryExpenses:healthcare.Enterthetotalaveragemonthlyamountthatyouactuallyexpendonhealthcarethatisrequiredforthehealthandwelfareofyourselforyourdependents,thatisnotreimbursedbyinsuranceorpaidbyahealthsavingsaccount,andthatisinexcessoftheamountenteredinLine24B.DonotincludepaymentsforhealthinsuranceorhealthsavingsaccountslistedinLine39.$37OtherNecessaryExpenses:telecommunicationservices.Enterthetotalaveragemonthlyamountthatyouactuallypayfortelecommunicationservicesotherthanyourbasichometelephoneandcellphoneservice—suchaspagers,callwaiting,callerid,speciallongdistance,orinternetservice—totheextentnecessaryforyourhealthandwelfareorthatofyourdependents.Donotincludeanyamountpreviouslydeducted.$38TotalExpensesAllowedunderIRSStandards.EnterthetotalofLines24through37.$Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)SubpartB:AdditionalExpenseDeductionsunder§707(b)Note:DonotincludeanyexpensesthatyouhavelistedinLines24-3739HealthInsurance,DisabilityInsurance,andHealthSavingsAccountExpenses.Listthemonthlyexpensesinthecategoriessetoutinlinesa-cbelowthatarereasonablynecessaryforyourself,yourspouse,oryourdependents.$a.HealthInsurance$b.DisabilityInsurance$c.HealthSavingsAccount$TotalandenteronLine39Ifyoudonotactuallyexpendthistotalamount,stateyouractualtotalaveragemonthlyexpendituresinthespacebelow:$40Continuedcontributionstothecareofhouseholdorfamilymembers.Enterthetotalaverageactualmonthlyexpensesthatyouwillcontinuetopayforthereasonableandnecessarycareandsupportofanelderly,chronicallyill,ordisabledmemberofyourhouseholdormemberofyourimmediatefamilywhoisunabletopayforsuchexpenses.DonotincludepaymentslistedinLine34.$41Protectionagainstfamilyviolence.EnterthetotalaveragereasonablynecessarymonthlyexpensesthatyouactuallyincurtomaintainthesafetyofyourfamilyundertheFamilyViolencePreventionandServicesActorotherapplicablefederallaw.Thenatureoftheseexpensesisrequiredtobekeptconfidentialbythecourt.$42Homeenergycosts.Enterthetotalaveragemonthlyamount,inexcessoftheallowancespecifiedbyIRSLocalStandardsforHousingandUtilities,thatyouactuallyexpendforhomeenergycosts.Youmustprovideyourcasetrusteewithdocumentationofyouractualexpenses,andyoumustdemonstratethattheadditionalamountclaimedisreasonableandnecessary.$43Educationexpensesfordependentchildrenunder18.Enterthetotalaveragemonthlyexpensesthatyouactuallyincur,nottoexceed$147.92*perchild,forattendanceataprivateorpublicelementaryorsecondaryschoolbyyourdependentchildrenlessthan18yearsofage.Youmustprovideyourcasetrusteewithdocumentationofyouractualexpenses,andyoumustexplainwhytheamountclaimedisreasonableandnecessaryandnotalreadyaccountedforintheIRSStandards.$44Additionalfoodandclothingexpense.Enterthetotalaveragemonthlyamountbywhichyourfoodandclothingexpensesexceedthecombinedallowancesforfoodandclothing(apparelandservices)intheIRSNationalStandards,nottoexceed5%ofthosecombinedallowances.(Thisinformationisavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt.)Youmustdemonstratethattheadditionalamountclaimedisreasonableandnecessary.$45Charitablecontributions.Entertheamountreasonablynecessaryforyoutoexpendeachmonthoncharitablecontributionsintheformofcashorfinancialinstrumentstoacharitableorganizationasdefinedin26U.S.C.§170(c)(1)-(2).Donotincludeanyamountinexcessof15%ofyourgrossmonthlyincome.$46TotalAdditionalExpenseDeductionsunder§707(b).EnterthetotalofLines39through45.$*Amountsubjecttoadjustmenton4/01/13,andeverythreeyearsthereafterwithrespecttocasescommencedonorafterthedateofadjustment.Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)SubpartC:DeductionsforDebtPayment47Futurepaymentsonsecuredclaims.Foreachofyourdebtsthatissecuredbyaninterestinpropertythatyouown,listthenameofthecreditor,identifythepropertysecuringthedebt,statetheAverageMonthlyPayment,andcheckwhetherthepaymentincludestaxesorinsurance.TheAverageMonthlyPaymentisthetotalofallamountsscheduledascontractuallyduetoeachSecuredCreditorinthe60monthsfollowingthefilingofthebankruptcycase,dividedby60.Ifnecessary,listadditionalentriesonaseparatepage.EnterthetotaloftheAverageMonthlyPaymentsonLine47.$NameofCreditorPropertySecuringtheDebtAverageMonthlyPaymentDoespaymentincludetaxesorinsurance?a.$yesnob.$yesnoc.$yesnoTotal:Addlinesa,bandc.48Otherpaymentsonsecuredclaims.IfanyofdebtslistedinLine47aresecuredbyyourprimaryresidence,amotorvehicle,orotherpropertynecessaryforyoursupportorthesupportofyourdependents,youmayincludeinyourdeduction1/60thofanyamount(the“cureamount”)thatyoumustpaythecreditorinadditiontothepaymentslistedinLine47,inordertomaintainpossessionoftheproperty.Thecureamountwouldincludeanysumsindefaultthatmustbepaidinordertoavoidrepossessionorforeclosure.Listandtotalanysuchamountsinthefollowingchart.Ifnecessary,listadditionalentriesonaseparatepage.$NameofCreditorPropertySecuringtheDebt1/60thoftheCureAmounta.$b.$c.$Total:Addlinesa,bandc.49Paymentsonprepetitionpriorityclaims.Enterthetotalamount,dividedby60,ofallpriorityclaims,suchasprioritytax,childsupportandalimonyclaims,forwhichyouwereliableatthetimeofyourbankruptcyfiling.Donotincludecurrentobligations,suchasthosesetoutinLine33.$50Chapter13administrativeexpenses.MultiplytheamountinLineabytheamountinLineb,andentertheresultingadministrativeexpense.$a.ProjectedaveragemonthlyChapter13planpayment.$b.CurrentmultiplierforyourdistrictasdeterminedunderschedulesissuedbytheExecutiveOfficeforUnitedStatesTrustees.(Thisinformationisavailableatwww.usdoj.gov/ust/orfromtheclerkofthebankruptcycourt.)Xc.AveragemonthlyadministrativeexpenseofChapter13caseTotal:MultiplyLinesaandb51TotalDeductionsforDebtPayment.EnterthetotalofLines47through50.$SubpartD:TotalDeductionsfromIncome52Totalofalldeductionsfromincome.EnterthetotalofLines38,46,and51.$Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB22C(OfficialForm22C)(Chapter13)(04/10)PartV.DETERMINATIONOFDISPOSABLEINCOMEUNDER§1325(b)(2)53Totalcurrentmonthlyincome.EntertheamountfromLine20.$54Supportincome.Enterthemonthlyaverageofanychildsupportpayments,fostercarepayments,ordisabilitypaymentsforadependentchild,reportedinPartI,thatyoureceivedinaccordancewithapplicablenonbankruptcylaw,totheextentreasonablynecessarytobeexpendedforsuchchild.$55Qualifiedretirementdeductions.Enterthemonthlytotalof(a)allamountswithheldbyyouremployerfromwagesascontributionsforqualifiedretirementplans,asspecifiedin§541(b)(7)and(b)allrequiredrepaymentsofloansfromretirementplans,asspecifiedin§362(b)(19).$56Totalofalldeductionsallowedunder§707(b)(2).EntertheamountfromLine52.$57Deductionforspecialcircumstances.Iftherearespecialcircumstancesthatjustifyadditionalexpensesforwhichthereisnoreasonablealternative,describethespecialcircumstancesandtheresultingexpensesinlinesa-cbelow.Ifnecessary,listadditionalentriesonaseparatepage.TotaltheexpensesandenterthetotalinLine57.Youmustprovideyourcasetrusteewithdocumentationoftheseexpensesandyoumustprovideadetailedexplanationofthespecialcircumstancesthatmakesuchexpensesnecessaryandreasonable.$NatureofspecialcircumstancesAmountofexpensea.$b.$c.$Total:AddLinesa,b,andc58Totaladjustmentstodeterminedisposableincome.AddtheamountsonLines54,55,56,and57andentertheresult.$59MonthlyDisposableIncomeUnder§1325(b)(2).SubtractLine58fromLine53andentertheresult.$PartVI.ADDITIONALEXPENSECLAIMS59OtherExpenses.Listanddescribeanymonthlyexpenses,nototherwisestatedinthisform,thatarerequiredforthehealthandwelfareofyouandyourfamilyandthatyoucontendshouldbeanadditionaldeductionfromyourcurrentmonthlyincomeunder§707(b)(2)(A)(ii)(I).Ifnecessary,listadditionalsourcesonaseparatepage.Allfiguresshouldreflectyouraveragemonthlyexpenseforeachitem.Totaltheexpenses.ExpenseDescriptionMonthlyAmounta.$b.$c.$Total:AddLinesa,bandc$PartVII.VERIFICATION60Ideclareunderpenaltyofperjurythattheinformationprovidedinthisstatementistrueandcorrect.(Ifthisajointcase,bothdebtorsmustsign.)Date:Signature:(Debtor)Date:Signature:(JointDebtor,ifany)August 20, 2010/s/ Christopher B ChaversCase 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB201A(Form201A)(12/09)WARNING:EffectiveDecember1,2009,the15-daydeadlinetofileschedulesandcertainotherdocumentsunderBankruptcyRule1007(c)isshortenedto14days.Forfurtherinformation,seenoteatbottomofpage2UNITEDSTATESBANKRUPTCYCOURTNOTICETOCONSUMERDEBTOR(S)UNDER§342(b)OFTHEBANKRUPTCYCODEInaccordancewith§342(b)oftheBankruptcyCode,thisnoticetoindividualswithprimarilyconsumerdebts:(1)Describesbrieflytheservicesavailablefromcreditcounselingservices;(2)Describesbrieflythepurposes,benefitsandcostsofthefourtypesofbankruptcyproceedingsyoumaycommence;and(3)InformsyouaboutbankruptcycrimesandnotifiesyouthattheAttorneyGeneralmayexamineallinformationyousupplyinconnectionwithabankruptcycase.Youarecautionedthatbankruptcylawiscomplicatedandnoteasilydescribed.Thus,youmaywishtoseektheadviceofanattorneytolearnofyourrightsandresponsibilitiesshouldyoudecidetofileapetition.Courtemployeescannotgiveyoulegaladvice.Noticesfromthebankruptcycourtaresenttothemailingaddressyoulistonyourbankruptcypetition.Inordertoensurethatyoureceiveinformationabouteventsconcerningyourcase,BankruptcyRule4002requiresthatyounotifythecourtofanychangesinyouraddress.Ifyouarefilingajointcase(asinglebankruptcycasefortwoindividualsmarriedtoeachother),andeachspouseliststhesamemailingaddressonthebankruptcypetition,youandyourspousewillgenerallyreceiveasinglecopyofeachnoticemailedfromthebankruptcycourtinajointly-addressedenvelope,unlessyoufileastatementwiththecourtrequestingthateachspousereceiveaseparatecopyofallnotices.1.ServicesAvailablefromCreditCounselingAgenciesWithlimitedexceptions,§109(h)oftheBankruptcyCoderequiresthatallindividualdebtorswhofileforbankruptcyreliefonorafterOctober17,2005,receiveabriefingthatoutlinestheavailableopportunitiesforcreditcounselingandprovidesassistanceinperformingabudgetanalysis.Thebriefingmustbegivenwithin180daysbeforethebankruptcyfiling.Thebriefingmaybeprovidedindividuallyorinagroup(includingbriefingsconductedbytelephoneorontheInternet)andmustbeprovidedbyanonprofitbudgetandcreditcounselingagencyapprovedbytheUnitedStatestrusteeorbankruptcyadministrator.Theclerkofthebankruptcycourthasalistthatyoumayconsultoftheapprovedbudgetandcreditcounselingagencies.Eachdebtorinajointcasemustcompletethebriefing.Inaddition,afterfilingabankruptcycase,anindividualdebtorgenerallymustcompleteafinancialmanagementinstructionalcoursebeforeheorshecanreceiveadischarge.Theclerkalsohasalistofapprovedfinancialmanagementinstructionalcourses.Eachdebtorinajointcasemustcompletethecourse.2.TheFourChaptersoftheBankruptcyCodeAvailabletoIndividualConsumerDebtorsChapter7:Liquidation($245filingfee,$39administrativefee,$15trusteesurcharge:Totalfee$299)Chapter7isdesignedfordebtorsinfinancialdifficultywhodonothavetheabilitytopaytheirexistingdebts.Debtorswhosedebtsareprimarilyconsumerdebtsaresubjecttoa“meanstest”designedtodeterminewhetherthecaseshouldbepermittedtoproceedunderchapter7.Ifyourincomeisgreaterthanthemedianincomeforyourstateofresidenceandfamilysize,insomecases,theUnitedStatestrustee(orbankruptcyadministrator),thetrustee,orcreditorshavetherighttofileamotionrequestingthatthecourtdismissyourcaseunder§707(b)oftheCode.Itisuptothecourttodecidewhetherthecaseshouldbedismissed.Underchapter7,youmayclaimcertainofyourpropertyasexemptundergoverninglaw.Atrusteemayhavetherighttotakepossessionofandselltheremainingpropertythatisnotexemptandusethesaleproceedstopayyourcreditors.Thepurposeoffilingachapter7caseistoobtainadischargeofyourexistingdebts.If,however,youarefoundtohavecommittedcertainkindsofimproperconductdescribedintheBankruptcyCode,thecourtmaydenyyourCase 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB201A(Form201A)(12/09)Page2dischargeand,ifitdoes,thepurposeforwhichyoufiledthebankruptcypetitionwillbedefeated.Evenifyoureceiveageneraldischarge,someparticulardebtsarenotdischargedunderthelaw.Therefore,youmaystillberesponsibleformosttaxesandstudentloans;debtsincurredtopaynondischargeabletaxes;domesticsupportandpropertysettlementobligations;mostfines,penalties,forfeitures,andcriminalrestitutionobligations;certaindebtswhicharenotproperlylistedinyourbankruptcypapers;anddebtsfordeathorpersonalinjurycausedbyoperatingamotorvehicle,vessel,oraircraftwhileintoxicatedfromalcoholordrugs.Also,ifacreditorcanprovethatadebtarosefromfraud,breachoffiduciaryduty,ortheft,orfromawillfulandmaliciousinjury,thebankruptcycourtmaydeterminethatthedebtisnotdischarged.Chapter13:RepaymentofAllorPartoftheDebtsofanIndividualwithRegularIncome($235filingfee,$39administrativefee:Totalfee$274)Chapter13isdesignedforindividualswithregularincomewhowouldliketopayallorpartoftheirdebtsininstallmentsoveraperiodoftime.Youareonlyeligibleforchapter13ifyourdebtsdonotexceedcertaindollaramountssetforthintheBankruptcyCode.Underchapter13,youmustfilewiththecourtaplantorepayyourcreditorsallorpartofthemoneythatyouowethem,usingyourfutureearnings.Theperiodallowedbythecourttorepayyourdebtsmaybethreeyearsorfiveyears,dependinguponyourincomeandotherfactors.Thecourtmustapproveyourplanbeforeitcantakeeffect.Aftercompletingthepaymentsunderyourplan,yourdebtsaregenerallydischargedexceptfordomesticsupportobligations;moststudentloans;certaintaxes;mostcriminalfinesandrestitutionobligations;certaindebtswhicharenotproperlylistedinyourbankruptcypapers;certaindebtsforactsthatcauseddeathorpersonalinjury;andcertainlongtermsecuredobligations.Chapter11:Reorganization($1000filingfee,$39administrativefee:Totalfee$1039)Chapter11isdesignedforthereorganizationofabusinessbutisalsoavailabletoconsumerdebtors.Itsprovisionsarequitecomplicated,andanydecisionbyanindividualtofileachapter11petitionshouldbereviewedwithanattorney.Chapter12:FamilyFarmerorFisherman($200filingfee,$39administrativefee:Totalfee$239)Chapter12isdesignedtopermitfamilyfarmersandfishermentorepaytheirdebtsoveraperiodoftimefromfutureearningsandissimilartochapter13.Theeligibilityrequirementsarerestrictive,limitingitsusetothosewhoseincomearisesprimarilyfromafamily-ownedfarmorcommercialfishingoperation.3.BankruptcyCrimesandAvailabilityofBankruptcyPaperstoLawEnforcementOfficialsApersonwhoknowinglyandfraudulentlyconcealsassetsormakesafalseoathorstatementunderpenaltyofperjury,eitherorallyorinwriting,inconnectionwithabankruptcycaseissubjecttoafine,imprisonment,orboth.AllinformationsuppliedbyadebtorinconnectionwithabankruptcycaseissubjecttoexaminationbytheAttorneyGeneralactingthroughtheOfficeoftheUnitedStatesTrustee,theOfficeoftheUnitedStatesAttorney,andothercomponentsandemployeesoftheDepartmentofJustice.WARNING:Section521(a)(1)oftheBankruptcyCoderequiresthatyoupromptlyfiledetailedinformationregardingyourcreditors,assets,liabilities,income,expensesandgeneralfinancialcondition.YourbankruptcycasemaybedismissedifthisinformationisnotfiledwiththecourtwithinthetimedeadlinessetbytheBankruptcyCode,theBankruptcyRules,andthelocalrulesofthecourt.ThedocumentsandthedeadlinesforfilingthemarelistedonFormB200,whichispostedathttp://www.uscourts.gov/bkforms/bankruptcy_forms.html#procedure.ManyfilingdeadlineschangeonDecember1,2009.Ofspecialnote,12rulesthatset15daystoactareamendedtorequireactionwithin14days,includingRule1007(c),filingtheinitialcasepapers;Rule3015(b),filingachapter13plan;Rule8009(a),filingappellatebriefs;andRules1019,1020,2015,2015.1,2016,4001,4002,6004,and6007.Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB201B(Form201B)(12/09)INRE:CaseNo.Debtor(s)ChapterUNDER§342(b)OFTHEBANKRUPTCYCODECertificateof[Non-Attorney]BankruptcyPetitionPreparerI,the[non-attorney]bankruptcypetitionpreparersigningthedebtor’spetition,herebycertifythatIdeliveredtothedebtortheattachednotice,asrequiredby§342(b)oftheBankruptcyCode.PrintedNameandtitle,ifany,ofBankruptcyPetitionPreparerAddress:XSignatureofBankruptcyPetitionPreparerofofficer,principal,responsibleperson,orpartnerwhoseSocialSecuritynumberisprovidedabove.SocialSecuritynumber(Ifthebankruptcypetitionpreparerisnotanindividual,statetheSocialSecuritynumberoftheofficer,principal,responsibleperson,orpartnerofthebankruptcypetitionpreparer.)(Requiredby11U.S.C.§110.)CertificateoftheDebtorI(We),thedebtor(s),affirmthatI(we)havereceivedandreadtheattachednotice,asrequiredby§342(b)oftheBankruptcyCode.PrintedName(s)ofDebtor(s)XSignatureofDebtorDateCaseNo.(ifknown)XSignatureofJointDebtor(ifany)DateInstructions:AttachacopyofFormB201A,NoticetoConsumerDebtor(s)Under§342(b)oftheBankruptcyCode.Usethisformtocertifythatthedebtorhasreceivedthenoticerequiredby11U.S.C.§342(b)onlyifthecertificationhasNOTbeenmadeontheVoluntaryPetition,OfficialFormB1.ExhibitBonpage2ofFormB1containsacertificationbythedebtor’sattorneythattheattorneyhasgiventhenoticetothedebtor.TheDeclarationsmadebydebtorsandbankruptcypetitionpreparersonpage3ofFormB1alsoincludethiscertification.United States Bankruptcy CourtSouthern District of AlabamaCERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)13Chavers, Christopher BChavers, Christopher B/s/ Christopher B Chavers 8/20/2010Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6Summary(Form6-Summary)(12/07)INRE:CaseNo.Debtor(s)ChapterIndicateastoeachschedulewhetherthatscheduleisattachedandstatethenumberofpagesineach.ReportthetotalsfromSchedulesA,B,D,E,F,I,andJintheboxesprovided.AddtheamountsfromSchedulesAandBtodeterminethetotalamountofthedebtor’sassets.AddtheamountsofallclaimsfromSchedulesD,E,andFtodeterminethetotalamountofthedebtor’sliabilities.Individualdebtorsalsomustcompletethe“StatisticalSummaryofCertainLiabilitiesandRelatedData”iftheyfileacaseunderchapter7,11,or13.NAMEOFSCHEDULEATTACHED(YES/NO)NUMBEROFSHEETSASSETSLIABILITIESOTHERA-RealProperty$B-PersonalProperty$C-PropertyClaimedasExemptD-CreditorsHoldingSecuredClaims$E-CreditorsHoldingUnsecuredPriorityClaims(TotalofClaimsonScheduleE)$F-CreditorsHoldingUnsecuredNonpriorityClaims$G-ExecutoryContractsandUnexpiredLeasesH-CodebtorsI-CurrentIncomeofIndividualDebtor(s)$J-CurrentExpendituresofIndividualDebtor(s)$TOTAL$$United States Bankruptcy CourtSouthern District of AlabamaSUMMARY OF SCHEDULES13Chavers, Christopher BYes 1 0.00Yes 3 5,374.00Yes 1Yes 1 6,628.45Yes 1 0.00Yes 2 119,699.00Yes 1Yes 1Yes 2 3,376.54Yes 1 3,186.00 14 5,374.00 126,327.45Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyForm6-StatisticalSummary(12/07)INRE:CaseNo.Debtor(s)ChapterIfyouareanindividualdebtorwhosedebtsareprimarilyconsumerdebts,asdefinedin§101(8)oftheBankruptcyCode(11U.S.C.§101(8)),filingacaseunderchapter7,11or13,youmustreportallinformationrequestedbelow.CheckthisboxifyouareanindividualdebtorwhosedebtsareNOTprimarilyconsumerdebts.Youarenotrequiredtoreportanyinformationhere.Thisinformationisforstatisticalpurposesonlyunder28U.S.C.§159.Summarizethefollowingtypesofliabilities,asreportedintheSchedules,andtotalthem.TypeofLiabilityAmountDomesticSupportObligations(fromScheduleE)$TaxesandCertainOtherDebtsOwedtoGovernmentalUnits(fromScheduleE)$ClaimsforDeathorPersonalInjuryWhileDebtorWasIntoxicated(fromScheduleE)(whetherdisputedorundisputed)$StudentLoanObligations(fromScheduleF)$DomesticSupport,SeparationAgreement,andDivorceDecreeObligationsNotReportedonScheduleE$ObligationstoPensionorProfit-Sharing,andOtherSimilarObligations(fromScheduleF)$TOTAL$Statethefollowing:AverageIncome(fromScheduleI,Line16)$AverageExpenses(fromScheduleJ,Line18)$CurrentMonthlyIncome(fromForm22ALine12;OR,Form22BLine11;OR,Form22CLine20)$Statethefollowing:1.TotalfromScheduleD,“UNSECUREDPORTION,IFANY”column$2.TotalfromScheduleE,“AMOUNTENTITLEDTOPRIORITY”column.$3.TotalfromScheduleE,“AMOUNTNOTENTITLEDTOPRIORITY,IFANY”column$4.TotalfromScheduleF$5.Totalofnon-priorityunsecureddebt(sumof1,3,and4)$United States Bankruptcy CourtSouthern District of AlabamaSTATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)13Chavers, Christopher B 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,376.54 3,186.00 3,950.85 4,703.45 0.00 0.00 119,699.00 124,402.45Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6A(OfficialForm6A)(12/07)INREDebtor(s)CaseNo.(Ifknown)Exceptasdirectedbelow,listallrealpropertyinwhichthedebtorhasanylegal,equitable,orfutureinterest,includingallpropertyownedasacotenant,communityproperty,orinwhichthedebtorhasalifeestate.Includeanypropertyinwhichthedebtorholdsrightsandpowersexercisableforthedebtor’sownbenefit.Ifthedebtorismarried,statewhetherthehusband,wife,both,orthemaritalcommunityownthepropertybyplacingan“H,”“W,”“J,”or“C”inthecolumnlabeled“Husband,Wife,Joint,orCommunity.”Ifthedebtorholdsnointerestinrealproperty,write“None”under“DescriptionandLocationofProperty.”Donotincludeinterestsinexecutorycontractsandunexpiredleasesonthisschedule.ListtheminScheduleG-ExecutoryContractsandUnexpiredLeases.Ifanentityclaimstohavealienorholdasecuredinterestinanyproperty,statetheamountofthesecuredclaim.SeeScheduleD.Ifnoentityclaimstoholdasecuredinterestintheproperty,write“None”inthecolumnlabeled“AmountofSecuredClaim.”Ifthedebtorisanindividualorifajointpetitionisfiled,statetheamountofanyexemptionclaimedinthepropertyonlyinScheduleC-PropertyClaimedasExempt.DESCRIPTIONANDLOCATIONOFPROPERTYNATUREOFDEBTOR'SINTERESTINPROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENTVALUEOFDEBTOR'SINTERESTINPROPERTYWITHOUTDEDUCTINGANYSECUREDCLAIMOREXEMPTIONAMOUNTOFSECUREDCLAIMTOTAL(ReportalsoonSummaryofSchedules)SCHEDULE A - REAL PROPERTY 0.00Chavers, Christopher BNoneCase 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6B(OfficialForm6B)(12/07)INREDebtor(s)CaseNo.(Ifknown)Exceptasdirectedbelow,listallpersonalpropertyofthedebtorofwhateverkind.Ifthedebtorhasnopropertyinoneormoreofthecategories,placean“x”intheappropriatepositioninthecolumnlabeled“None.”Ifadditionalspaceisneededinanycategory,attachaseparatesheetproperlyidentifiedwiththecasename,casenumber,andthenumberofthecategory.Ifthedebtorismarried,statewhetherthehusband,wife,both,orthemaritalcommunityownthepropertybyplacingan“H,”“W,”“J,”or“C”inthecolumnlabeled“Husband,Wife,Joint,orCommunity.”Ifthedebtorisanindividualorajointpetitionisfiled,statetheamountofanyexemptionsclaimedonlyinScheduleC-PropertyClaimedasExempt.Donotlistinterestsinexecutorycontractsandunexpiredleasesonthisschedule.ListtheminScheduleG-ExecutoryContractsandUnexpiredLeases.Ifthepropertyisbeingheldforthedebtorbysomeoneelse,statethatperson’snameandaddressunder“DescriptionandLocationofProperty.”Ifthepropertyisbeingheldforaminorchild,simplystatethechild'sinitialsandthenameandaddressofthechild'sparentorguardian,suchas"A.B.,aminorchild,byJohnDoe,guardian."Donotdisclosethechild'sname.See,11U.S.C.§112andFed.R.Bankr.P.1007(m).TYPEOFPROPERTYNONEDESCRIPTIONANDLOCATIONOFPROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENTVALUEOFDEBTOR'SINTERESTINPROPERTYWITHOUTDEDUCTINGANYSECUREDCLAIMOREXEMPTIONSCHEDULE B - PERSONAL PROPERTYChavers, Christopher B1.Cashonhand.X2.Checking,savingsorotherfinancialaccounts,certificatesofdepositorsharesinbanks,savingsandloan,thrift,buildingandloan,andhomesteadassociations,orcreditunions,brokeragehouses,orcooperatives.checking acct with Bryant Bank 185.00joint savings acct with minor son at Bryant Bank 60.00savings acct with Citizens bank 4.003.Securitydepositswithpublicutilities,telephonecompanies,landlords,andothers.X4.Householdgoodsandfurnishings,includeaudio,video,andcomputerequipment.2 dressers, 2 beds, 2 tvs, sofa, loveseat, kitchen table with 4 200.00chairs, washer and dryer5.Books,picturesandotherartobjects,antiques,stamp,coin,record,tape,compactdisc,andothercollectionsorcollectibles.X6.Wearingapparel.clothing 100.007.Fursandjewelry.X8.Firearmsandsports,photographic,andotherhobbyequipment.aresalal AK 47/7.62x39 and Glock 40cal #35 100.009.Interestininsurancepolicies.Nameinsurancecompanyofeachpolicyanditemizesurrenderorrefundvalueofeach.X10.Annuities.Itemizeandnameeachissue.X11.InterestsinaneducationIRAasdefinedin26U.S.C.§530(b)(1)orunderaqualifiedStatetuitionplanasdefinedin26U.S.C.§529(b)(1).Giveparticulars.(Fileseparatelytherecord(s)ofanysuchinterest(s).11U.S.C.§521(c).)X12.InterestsinIRA,ERISA,Keogh,orotherpensionorprofitsharingplans.Giveparticulars.IRA with Edward Jones 350.0013.Stockandinterestsinincorporatedandunincorporatedbusinesses.Itemize.X14.Interestsinpartnershipsorjointventures.Itemize.XCase 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyChavers, Christopher B15.Governmentandcorporatebondsandothernegotiableandnon-negotiableinstruments.X16.Accountsreceivable.X17.Alimony,maintenance,support,andpropertysettlementsinwhichthedebtorisormaybeentitled.Giveparticulars.X18.Otherliquidateddebtsowedtodebtorincludingtaxrefunds.Giveparticulars.X19.Equitableorfutureinterest,lifeestates,andrightsorpowersexercisableforthebenefitofthedebtorotherthanthoselistedinScheduleA-RealProperty.X20.Contingentandnoncontingentinterestsinestateofadecedent,deathbenefitplan,lifeinsurancepolicy,ortrust.X21.Othercontingentandunliquidatedclaimsofeverynature,includingtaxrefunds,counterclaimsofthedebtor,andrightstosetoffclaims.Giveestimatedvalueofeach.X22.Patents,copyrights,andotherintellectualproperty.Giveparticulars.X23.Licenses,franchises,andothergeneralintangibles.Giveparticulars.X24.Customerlistsorothercompilationscontainingpersonallyidentifiableinformation(asdefinedin11U.S.C.§101(41A))providedtothedebtorbyindividualsinconnectionwithobtainingaproductorservicefromthedebtorprimarilyforpersonal,family,orhouseholdpurposes.X25.Automobiles,trucks,trailers,andothervehiclesandaccessories.2000 Nissan Frontier with 150k miles 1,925.002001 Chevrolet Silverado 2500 with 250k miles(scratched, needs 1,800.00new tires)26.Boats,motors,andaccessories.1990 Bass Tracker boat 17' 650.0027.Aircraftandaccessories.X28.Officeequipment,furnishings,andsupplies.X29.Machinery,fixtures,equipment,andsuppliesusedinbusiness.X30.Inventory.X31.Animals.X32.Crops-growingorharvested.Giveparticulars.X33.Farmingequipmentandimplements.XB6B(OfficialForm6B)(12/07)-Cont.INREDebtor(s)CaseNo.(Ifknown)(ContinuationSheet)TYPEOFPROPERTYNONEDESCRIPTIONANDLOCATIONOFPROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENTVALUEOFDEBTOR'SINTERESTINPROPERTYWITHOUTDEDUCTINGANYSECUREDCLAIMOREXEMPTIONSCHEDULE B - PERSONAL PROPERTYCase 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyChavers, Christopher B34.Farmsupplies,chemicals,andfeed.X35.Otherpersonalpropertyofanykindnotalreadylisted.Itemize.XB6B(OfficialForm6B)(12/07)-Cont.INREDebtor(s)CaseNo.(Ifknown)(ContinuationSheet)TYPEOFPROPERTYNONEDESCRIPTIONANDLOCATIONOFPROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENTVALUEOFDEBTOR'SINTERESTINPROPERTYWITHOUTDEDUCTINGANYSECUREDCLAIMOREXEMPTIONTOTAL(Includeamountsfromanycontinuationsheetsattached.ReporttotalalsoonSummaryofSchedules.)continuationsheetsattachedSCHEDULE B - PERSONAL PROPERTY 5,374.00 0Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6C(OfficialForm6C)(04/10)INREDebtor(s)CaseNo.(Ifknown)Debtorelectstheexemptionstowhichdebtorisentitledunder:Checkifdebtorclaimsahomesteadexemptionthatexceeds$146,450.*(Checkonebox)11U.S.C.§522(b)(2)11U.S.C.§522(b)(3)DESCRIPTIONOFPROPERTYSPECIFYLAWPROVIDINGEACHEXEMPTIONVALUEOFCLAIMEDEXEMPTIONCURRENTVALUEOFPROPERTYWITHOUTDEDUCTINGEXEMPTIONS*Amountsubjecttoadjustmenton4/1/13andeverythreeyearsthereafterwithrespecttocasescommencedonorafterthedateofadjustment.SCHEDULE C - PROPERTY CLAIMED AS EXEMPT(cid:252)Chavers, Christopher BSCHEDULE B - PERSONAL PROPERTYchecking acct with Bryant BankAla. Code §§ 6-10-6, 6-10-126 185.00 185.00joint savings acct with minor son at BryantAla. Code §§ 6-10-6, 6-10-126 60.00 60.00Banksavings acct with Citizens bankAla. Code §§ 6-10-6, 6-10-126 4.00 4.002 dressers, 2 beds, 2 tvs, sofa, loveseat,Ala. Code §§ 6-10-6, 6-10-126 200.00 200.00kitchen table with 4 chairs, washer anddryerclothingAla. Code § 6-10-6 100.00 100.00aresalal AK 47/7.62x39 and Glock 40cal #35Ala. Code §§ 6-10-6, 6-10-126 100.00 100.00IRA with Edward JonesAla. Code § 19-3-1 350.00 350.002000 Nissan Frontier with 150k milesAla. Code §§ 6-10-6, 6-10-126 1.00 1,925.002001 Chevrolet Silverado 2500 with 250kAla. Code §§ 6-10-6, 6-10-126 1,800.00 1,800.00miles(scratched, needs new tires)1990 Bass Tracker boat 17'Ala. Code §§ 6-10-6, 6-10-126 650.00 650.00Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6D(OfficialForm6D)(12/07)INREDebtor(s)CaseNo.(Ifknown)Statethename,mailingaddress,includingzipcode,andlastfourdigitsofanyaccountnumberofallentitiesholdingclaimssecuredbypropertyofthedebtorasofthedateoffilingofthepetition.Thecompleteaccountnumberofanyaccountthedebtorhaswiththecreditorisusefultothetrusteeandthecreditorandmaybeprovidedifthedebtorchoosestodoso.Listcreditorsholdingalltypesofsecuredinterestssuchasjudgmentliens,garnishments,statutoryliens,mortgages,deedsoftrust,andothersecurityinterests.Listcreditorsinalphabeticalordertotheextentpracticable.Ifaminorchildisthecreditor,statethechild'sinitialsandthenameandaddressofthechild'sparentorguardian,suchas"A.B.,aminorchild,byJohnDoe,guardian."Donotdisclosethechild'sname.See,11U.S.C.§112andFed.R.Bankr.P.1007(m).Ifallsecuredcreditorswillnotfitonthispage,usethecontinuationsheetprovided.Ifanyentityotherthanaspouseinajointcasemaybejointlyliableonaclaim,placean“X”inthecolumnlabeled“Codebtor,”includetheentityontheappropriatescheduleofcreditors,andcompleteScheduleH–Codebtors.Ifajointpetitionisfiled,statewhetherthehusband,wife,bothofthem,orthemaritalcommunitymaybeliableoneachclaimbyplacingan“H,”“W,”“J,”or“C”inthecolumnlabeled“Husband,Wife,Joint,orCommunity.”Iftheclaimiscontingent,placean“X”inthecolumnlabeled“Contingent.”Iftheclaimisunliquidated,placean“X”inthecolumnlabeled“Unliquidated.”Iftheclaimisdisputed,placean“X”inthecolumnlabeled“Disputed.”(Youmayneedtoplacean“X”inmorethanoneofthesethreecolumns.)Totalthecolumnslabeled“AmountofClaimWithoutDeductingValueofCollateral”and“UnsecuredPortion,ifAny”intheboxeslabeled“Total(s)”onthelastsheetofthecompletedschedule.Reportthetotalfromthecolumnlabeled“AmountofClaimWithoutDeductingValueofCollateral”alsoontheSummaryofSchedulesand,ifthedebtorisanindividualwithprimarilyconsumerdebts,reportthetotalfromthecolumnlabeled“UnsecuredPortion,ifAny”ontheStatisticalSummaryofCertainLiabilitiesandRelatedData.CheckthisboxifdebtorhasnocreditorsholdingsecuredclaimstoreportonthisScheduleD.CREDITOR'SNAMEANDMAILINGADDRESSINCLUDINGZIPCODEANDACCOUNTNUMBER.(SeeInstructionsAbove.)CODEBTORHUSBAND,WIFE,JOINT,ORCOMMUNITYDATECLAIMWASINCURRED,NATUREOFLIEN,ANDDESCRIPTIONANDVALUEOFPROPERTYSUBJECTTOLIENCONTINGENTUNLIQUIDATEDDISPUTEDAMOUNTOFCLAIMWITHOUTDEDUCTINGVALUEOFCOLLATERALUNSECUREDPORTION,IFANYACCOUNTNO.ACCOUNTNO.ACCOUNTNO.ACCOUNTNO.continuationsheetsattachedSubtotal(Totalofthispage)$$Total(Useonlyonlastpage)$$(ReportalsoonSummaryofSchedules.)(Ifapplicable,reportalsoonStatisticalSummaryofCertainLiabilitiesandRelatedData.)SCHEDULE D - CREDITORS HOLDING SECURED CLAIMSChavers, Christopher B4172995716,628.454,703.451,925.00B & W Auto Sales19375 St Hwy 59Summerdale, AL 365802010 auto loan on the 2000 NissianFrontierVALUE $VALUE $VALUE $VALUE $ 06,628.456,628.454,703.454,703.45Case 10-03867 Doc 1 Filed 08/20/10 Entered 08/20/10 09:40:49 Desc Main

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© 1993-2010 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyChavers, Christopher BB6E(OfficialForm6E)(04/10)INREDebtor(s)CaseNo.(Ifknown)Acompletelistofclaimsentitledtopriority,listedseparatelybytypeofpriority,istobesetforthonthesheetsprovided.Onlyholdersofunsecuredclaimsentitledtopriorityshouldbelistedinthisschedule.Intheboxesprovidedontheattachedsheets,statethename,mailingaddress,includingzipcode,andlastfourdigitsoftheaccountnumber,ifany,ofallentitiesholdingpriorityclaimsagainstthedebtororthepropertyofthedebtor,asofthedateofthefilingofthepetition.Useaseparatecontinuationsheetforeachtypeofpriorityandlabeleachwiththetypeofpriority.Thecompleteaccountnumberofanyaccountthedebtorhaswiththecreditorisusefultothetrusteeandthecreditorandmaybeprovidedifthedebtorchoosestodoso.Ifaminorchildisacreditor,statethechild'sinitialsandthenameandaddressofthechild'sparentorguardian,suchas"A.B.,aminorchild,byJohnDoe,guardian."Donotdisclosethechild'sname.See,11U.S.C.§112andFed.R.Bankr.P.1007(m).Ifanyentityotherthanaspouseinajointcasemaybejointlyliableonaclaim,placean"X"inthecolumnlabeled"Codebtor,"includetheentityontheappropriatescheduleofcreditors,andcompleteScheduleH-Codebtors.Ifajointpetitionisfiled,statewhetherthehusband,wife,bothofthem,orthemaritalcommunitymaybeliableoneachclaimbyplacingan"H,""W,""J,"or"C"inthecolumnlabeled"Husband,Wife,Joint,orCommunity."Iftheclaimiscontingent,placean"X"inthecolumnlabeled"Contingent."Iftheclaimisunliquidated,placean"X"inthecolumnlabeled"Unliquidated."Iftheclaimisdisputed,placean"X"inthecolumnlabeled"Disputed."(Youmayneedtoplacean"X"inmorethanoneofthesethreecolumns.)Reportthetotalofclaimslistedoneachsheetintheboxlabeled"Subtotals"oneachsheet.ReportthetotalofallclaimslistedonthisScheduleEintheboxlabeled“Total”onthelastsheetofthecompletedschedule.ReportthistotalalsoontheSummaryofSchedules.Reportth