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© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB1 (Official Form 1) (04/13)Name of Debtor (if individual, enter Last, First, Middle):Name of Joint Debtor (Spouse) (Last, First, Middle):All Other Names used by the Debtor in the last 8 years(include married, maiden, and trade names):All Other Names used by the Joint Debtor in the last 8 years(include married, maiden, and trade names):Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) /Complete EIN(if more than one, state all):Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) /Complete EIN(if more than one, state all):Street Address of Debtor (No. & Street, City, State & Zip Code):Street Address of Joint Debtor (No. & Street, City, State & Zip Code):ZIPCODE ZIPCODECounty of Residence or of the Principal Place of Business:County of Residence or of the Principal Place of Business:Mailing Address of Debtor (if different from street address)Mailing Address of Joint Debtor (if different from street address):ZIPCODEZIPCODELocation of Principal Assets of Business Debtor (if different from street address above):ZIPCODEType of Debtor(Form of Organization)(Check one box.)Individual (includes Joint Debtors)See Exhibit D on page 2 of this form.Corporation (includes LLC and LLP)PartnershipOther (If debtor is not one of the above entities,check this box and state type of entity below.)Chapter 15 DebtorCountry of debtor’s center of main interests:__________________________________________Each country in which a foreign proceeding by,regarding, or against debtor is pending:__________________________________________Nature of Business(Check one box.)Health Care BusinessSingle Asset Real Estate as defined in 11U.S.C. § 101(51B)RailroadStockbrokerCommodity BrokerClearing BankOtherTax-Exempt Entity(Check box, if applicable.)Debtor is a tax-exempt organization underTitle 26 of the United States Code (theInternal Revenue Code).Chapter of Bankruptcy Code Under Whichthe Petition is Filed (Check one box.) Chapter 7Chapter 15 Petition for Chapter 9Recognition of a Foreign Chapter 11Main Proceeding Chapter 12Chapter 15 Petition for Chapter 13Recognition of a ForeignNonmain ProceedingNature of Debts(Check one box.) Debts are primarily consumerDebts are primarilydebts, defined in 11 U.S.C.business debts.§ 101(8) as “incurred by anindividual primarily for apersonal, family, or house-hold purpose.”Filing Fee (Check one box)Full Filing Fee attachedFiling Fee to be paid in installments (Applicable to individualsonly). Must attach signed application for the court’sconsideration certifying that the debtor is unable to pay feeexcept in installments. Rule 1006(b). See Official Form 3A.Filing Fee waiver requested (Applicable to chapter 7 individualsonly). Must attach signed application for the court’sconsideration. See Official Form 3B.Chapter 11 DebtorsCheck one box:Debtor is a small business debtor as defined in 11 U.S.C. § 101(51D).Debtor is not a small business debtor as defined in 11 U.S.C. § 101(51D).Check if:Debtor’s aggregate noncontingent liquidated debts (excluding debts owed to insiders or affiliates) are lessthan $2,490,925 (amount subject to adjustment on 4/01/16 and every three years thereafter).- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -Check all applicable boxes:A plan is being filed with this petitionAcceptances of the plan were solicited prepetition from one or more classes of creditors, inaccordance with 11 U.S.C. § 1126(b).Statistical/Administrative InformationDebtor estimates that funds will be available for distribution to unsecured creditors.Debtor estimates that, after any exempt property is excluded and administrative expenses paid, there will be no funds available fordistribution to unsecured creditors.THIS SPACE IS FORCOURT USE ONLYEstimated Number of Creditors1-4950-99100-199200-9991,000-5,0005,001-10,00010,001-25,00025,001-50,00050,001-100,000Over100,000Estimated Assets$0 to$50,000$50,001 to$100,000$100,001 to$500,000$500,001 to$1 million$1,000,001 to$10 million$10,000,001to $50 million$50,000,001 to$100 million$100,000,001to $500 million$500,000,001to $1 billionMore than$1 billionEstimated Liabilities$0 to$50,000$50,001 to$100,000$100,001 to$500,000$500,001 to$1 million$1,000,001 to$10 million$10,000,001to $50 million$50,000,001 to$100 million$100,000,001to $500 million$500,000,001to $1 billionMore than$1 billionUnited States Bankruptcy CourtMiddle District of Florida, Fort Myers DivisionVoluntary PetitionHepp, Darlene A83134324 Avian AvenueFort Myers, FL33916Lee(cid:57)(cid:57)(cid:57)(cid:57)(cid:57)(cid:57)(cid:57)(cid:57)Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 2 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB1 (Official Form 1) (04/13)Page 2 (This page must be completed and filed in every case)Name of Debtor(s):All Prior Bankruptcy Case Filed Within Last 8 Years (If more than two, attach additional sheet)LocationWhere Filed:Case Number:Date Filed:LocationWhere Filed:Case Number:Date Filed:Pending Bankruptcy Case Filed by any Spouse, Partner or Affiliate of this Debtor (If more than one, attach additional sheet)Name of Debtor:Case Number:Date Filed:District:Relationship:Judge:Exhibit A(To be completed if debtor is required to file periodic reports (e.g., forms10K and 10Q) with the Securities and Exchange Commission pursuant toSection 13 or 15(d) of the Securities Exchange Act of 1934 and isrequesting relief under chapter 11.)Exhibit A is attached and made a part of this petition.Exhibit B(To be completed if debtor is an individualwhose debts are primarily consumer debts.)I, the attorney for the petitioner named in the foregoing petition, declarethat I have informed the petitioner that [he or she] may proceed underchapter 7, 11, 12, or 13 of title 11, United States Code, and haveexplained the relief available under each such chapter. I further certifythat I delivered to the debtor the notice required by 11 U.S.C. § 342(b).XSignature of Attorney for Debtor(s)DateExhibit CDoes the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public healthor safety?Yes, and Exhibit C is attached and made a part of this petition.NoExhibit D(To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.)Exhibit D completed and signed by the debtor is attached and made a part of this petition.If this is a joint petition:Exhibit D also completed and signed by the joint debtor is attached a made a part of this petition.Information Regarding the Debtor - Venue (Check any applicable box.)Debtor has been domiciled or has had a residence, principal place of business, or principal assets in this District for 180 days immediatelypreceding the date of this petition or for a longer part of such 180 days than in any other District.There is a bankruptcy case concerning debtor’s affiliate, general partner, or partnership pending in this District.Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in this District,or has no principal place of business or assets in the United States but is a defendant in an action or proceeding [in a federal or state court]in this District, or the interests of the parties will be served in regard to the relief sought in this District.Certification by a Debtor Who Resides as a Tenant of Residential Property(Check all applicable boxes.)Landlord has a judgment against the debtor for possession of debtor’s residence. (If box checked, complete the following.)(Name of landlord that obtained judgment)(Address of landlord)Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to curethe entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, andDebtor has included in this petition the deposit with the court of any rent that would become due during the 30-day period after thefiling of the petition.Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).Voluntary PetitionHepp, Darlene ANoneNone/s/ Juan J. Piles, Esquire8/13/13(cid:57)(cid:57)(cid:57)Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 3 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB1 (Official Form 1) (04/13)Page 3 (This page must be completed and filed in every case)Name of Debtor(s):SignaturesSignature(s) of Debtor(s) (Individual/Joint)I declare under penalty of perjury that the information provided in thispetition is true and correct.[If petitioner is an individual whose debts are primarily consumer debtsand has chosen to file under Chapter 7] I am aware that I may proceedunder chapter 7, 11, 12 or 13 of title 11, United States Code, understandthe relief available under each such chapter, and choose to proceed underchapter 7.[If no attorney represents me and no bankruptcy petition preparer signsthe petition] I have obtained and read the notice required by 11 U.S.C. §342(b).I request relief in accordance with the chapter of title 11, United StatesCode, specified in this petition.XSignature of DebtorXSignature of Joint DebtorTelephone Number (If not represented by attorney)DateSignature of a Foreign RepresentativeI declare under penalty of perjury that the information provided in thispetition is true and correct, that I am the foreign representative of a debtorin a foreign proceeding, and that I am authorized to file this petition.(Check only one box.)I request relief in accordance with chapter 15 of title 11, UnitedStates Code. Certified copies of the documents required by 11 U.S.C. § 1515 are attached.Pursuant to 11 U.S.C. § 1511, I request relief in accordance with thechapter of title 11 specified in this petition. A certified copy of theorder granting recognition of the foreign main proceeding is attached.XSignature of Foreign RepresentativePrinted Name of Foreign Representative DateSignature of Attorney*XSignature of Attorney for Debtor(s)Date*In a case in which § 707(b)(4)(D) applies, this signature also constitutes acertification that the attorney has no knowledge after an inquiry that theinformation in the schedules is incorrect. Signature of Non-Attorney Petition PreparerI declare under penalty of perjury that: 1) I am a bankruptcy petitionpreparer as defined in 11 U.S.C. § 110; 2) I prepared this document forcompensation and have provided the debtor with a copy of this documentand the notices and information required under 11 U.S.C. §§ 110(b),110(h) and 342(b); and 3) if rules or guidelines have been promulgatedpursuant to 11 U.S.C. § 110(h) setting a maximum fee for serviceschargeable by bankruptcy petition preparers, I have given the debtornotice of the maximum amount before preparing any document for filingfor a debtor or accepting any fee from the debtor, as required in thatsection. Official Form 19 is attached.Printed Name and title, if any, of Bankruptcy Petition PreparerSocial Security Number (If the bankruptcy petition preparer is not an individual, state theSocial Security number of the officer, principal, responsible person or partner of thebankruptcy petition preparer.) (Required by 11 U.S.C. § 110.)AddressXSignatureDateSignature of Bankruptcy Petition Preparer or officer, principal, responsibleperson, or partner whose social security number is provided above.Names and Social-Security numbers of all other individuals who prepared orassisted in preparing this document unless the bankruptcy petition preparer isnot an individual:If more than one person prepared this document, attach additional sheetsconforming to the appropriate official form for each person.A bankruptcy petition preparer’s failure to comply with the provisions of title 11and the Federal Rules of Bankruptcy Procedure may result in fines orimprisonment or both 11 U.S.C. § 110; 18 U.S.C. § 156.Signature of Debtor (Corporation/Partnership)I declare under penalty of perjury that the information provided in thispetition is true and correct, and that I have been authorized to file thispetition on behalf of the debtor.The debtor requests relief in accordance with the chapter of title 11,United States Code, specified in this petition.XSignature of Authorized IndividualPrinted Name of Authorized IndividualTitle of Authorized IndividualDateVoluntary PetitionHepp, Darlene A/s/ Darlene A HeppDarlene A HeppAugust 13, 2013/s/ Juan J. Piles, EsquireAugust 13, 2013Juan J. Piles, Esquire 145645Law Office of Juan J. Piles, Esquire4905 Chiquita Blvd., Suite 103Cape Coral, FL 33914-0000(239) 443-5900 Fax: (888) [email protected] 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 4 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6 Summary (Form 6 - Summary) (12/07)IN RE: Case No. Debtor(s)Chapter Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A, B, D, E, F, I, and J in the boxesprovided.AddtheamountsfromSchedulesAandBtodeterminethetotalamountofthedebtor’sassets.AddtheamountsofallclaimsfromSchedulesD,E,andFtodeterminethetotalamountofthedebtor’sliabilities.Individualdebtorsalsomustcompletethe“StatisticalSummaryofCertainLiabilities and Related Data” if they filea case under chapter 7, 11, or 13.NAME OF SCHEDULEATTACHED(YES/NO)NUMBER OFSHEETSASSETSLIABILITIESOTHERA -Real Property $B -Personal Property $C -Property Claimed as ExemptD -Creditors Holding Secured Claims $E -Creditors Holding Unsecured PriorityClaims (Total of Claims on Schedule E) $F -Creditors Holding UnsecuredNonpriority Claims $G -Executory Contracts and UnexpiredLeasesH -CodebtorsI -Current Income of IndividualDebtor(s) $J -Current Expenditures of IndividualDebtor(s) $TOTAL $ $United States Bankruptcy CourtMiddle District of Florida, Fort Myers DivisionSUMMARY OF SCHEDULES7Hepp, Darlene AYes182,105.00Yes321,600.00Yes1Yes1110,493.00Yes10.00Yes3211,765.09Yes1Yes1Yes14,624.34Yes24,529.9615103,705.00322,258.09Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 5 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyForm 6 - Statistical Summary (12/07)IN RE: Case No. Debtor(s)Chapter Ifyouareanindividualdebtorwhosedebtsareprimarilyconsumerdebts,asdefinedin§ 101(8) of the Bankruptcy Code (11 U.S.C. §101(8)), filing a case under chapter 7, 11 or 13, you must report all information requested below.Checkthisboxifyou are an individual debtor whose debts are NOT primarily consumer debts. You are not required to report anyinformation here.This information is for statistical purposes only under 28 U.S.C. § 159.Summarize the following types of liabilities, as reported in the Schedules, and total them.Type of LiabilityAmountDomestic Support Obligations (from Schedule E)$Taxes and Certain Other Debts Owed to Governmental Units (from Schedule E)$Claims for Death or Personal Injury While Debtor Was Intoxicated (from Schedule E) (whetherdisputed or undisputed)$Student Loan Obligations (from Schedule F)$Domestic Support, Separation Agreement, and Divorce Decree Obligations Not Reported onSchedule E$Obligations to Pension or Profit-Sharing, and Other Similar Obligations (from Schedule F)$TOTAL$State the following:Average Income (from Schedule I, Line 16)$Average Expenses (from Schedule J, Line 18)$Current Monthly Income (from Form 22A Line 12; OR, Form 22B Line 11; OR, Form 22CLine 20 )$State the following:1. Total from Schedule D, “UNSECURED PORTION, IF ANY” column$2. Total from Schedule E, “AMOUNT ENTITLED TO PRIORITY” column.$3. Total from Schedule E, “AMOUNT NOT ENTITLED TO PRIORITY, IF ANY” column$4. Total from Schedule F$5. Total of non-priority unsecured debt (sum of 1, 3, and 4)$United States Bankruptcy CourtMiddle District of Florida, Fort Myers DivisionSTATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)7Hepp, Darlene A0.000.000.000.000.000.000.004,624.344,529.963,214.848,138.000.000.00211,765.09219,903.09Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 6 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6A (Official Form 6A) (12/07)IN REDebtor(s)Case No. (If known)Exceptasdirectedbelow,listallrealpropertyinwhichthedebtorhasanylegal,equitable,orfutureinterest,includingallpropertyownedasacotenant,communityproperty,orinwhichthedebtorhasalifeestate.Includeanypropertyinwhichthe debtor holds rights and powers exercisableforthedebtor’sownbenefit.Ifthedebtorismarried,statewhetherthehusband,wife,both,orthemaritalcommunityownthepropertybyplacingan“H,”“W,”“J,”or“C”inthecolumnlabeled“Husband,Wife,Joint,or Community.” If the debtor holds no interest in real property, write “None” under “Description and Location of Property.”Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and Unexpired Leases.Ifanentityclaimstohavealienorholdasecured interest in any property, state the amount of the secured claim. See Schedule D. If no entity claims to hold a securedinterest in the property, write “None” in the column labeled “Amount of Secured Claim.”Ifthedebtorisanindividualorifajointpetitionisfiled,statetheamountofanyexemptionclaimedintheproperty only in Schedule C - Property Claimed as Exempt.DESCRIPTION AND LOCATION OF PROPERTYNATURE OF DEBTOR'SINTEREST IN PROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENT VALUE OFDEBTOR'S INTEREST INPROPERTY WITHOUTDEDUCTING ANYSECURED CLAIM OREXEMPTIONAMOUNT OF SECUREDCLAIMTOTAL (Report also on Summary of Schedules)SCHEDULE A - REAL PROPERTY82,105.00Hepp, Darlene A4324 Avian Avenue, Fort Myers, FLFee Simple82,105.0087,158.00(principal residence)Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 7 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6B (Official Form 6B) (12/07)IN REDebtor(s)Case No. (If known)Exceptasdirectedbelow,listallpersonalproperty of the debtor of whatever kind. If the debtor has no property in one or more of the categories, place an “x” in theappropriatepositioninthecolumnlabeled“None.”Ifadditionalspaceisneededinanycategory,attachaseparatesheetproperlyidentifiedwiththecasename,casenumber,and the number of the category. If the debtorismarried,statewhetherthehusband,wife,both,orthe marital community own the property by placing an “H,” “W,” “J,” or“C” in the column labeled “Husband, Wife, Joint, orCommunity.”Ifthe debtor is an individual or a joint petition is filed, state the amount of any exemptions claimed onlyin Schedule C - Property Claimed as Exempt.Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and Unexpired Leases.Ifthepropertyisbeingheldforthedebtorbysomeoneelse,statethatperson’snameandaddressunder“DescriptionandLocationofProperty.”If the property is beingheld for a minor child, simply state thechild'sinitialsandthenameandaddressofthechild'sparentor guardian, such as "A.B., a minor child, by John Doe, guardian." Donot disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).TYPE OF PROPERTYNONEDESCRIPTION AND LOCATION OF PROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENT VALUE OFDEBTOR'S INTEREST INPROPERTY WITHOUTDEDUCTING ANYSECURED CLAIM OREXEMPTIONSCHEDULE B - PERSONAL PROPERTYHepp, Darlene A1.Cash on hand.X2.Checking, savings or other financialaccounts, certificates of deposit orshares in banks, savings and loan,thrift, building and loan, andhomestead associations, or creditunions, brokerage houses, orcooperatives.Chase Checking Account xxx783950.003.Security deposits with public utilities,telephone companies, landlords, andothers.X4.Household goods and furnishings,include audio, video, and computerequipment.Dining table, six (6) chairs, rack (2001)125.00Laptop125.00Queen bed, dresser, 2 night stands, 32" LCD TV (2010)275.00Refrigerator, Stove, Microwave, Washer and Dryer (2007)250.00Sofa, Armchairs, coffee table, end table, entertainment center425.00and 40" LCD TV5.Books, pictures and other art objects,antiques, stamp, coin, record, tape,compact disc, and other collections orcollectibles.X6.Wearing apparel.Miscellaneous wearing apparel50.007.Furs and jewelry.Miscellaneous fantasay Jewelry50.008.Firearms and sports, photographic,and other hobby equipment.X9.Interest in insurance policies. Nameinsurance company of each policy anditemize surrender or refund value ofeach.X10.Annuities. Itemize and name eachissue.X11.Interests in an education IRA asdefined in 26 U.S.C. § 530(b)(1) orunder a qualified State tuition plan asdefined in 26 U.S.C. § 529(b)(1).Give particulars. (File separately therecord(s) of any such interest(s). 11U.S.C. § 521(c).)X12.Interests in IRA, ERISA, Keogh, orother pension or profit sharing plans.Give particulars.XCase 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 8 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene A13.Stock and interests in incorporatedand unincorporated businesses.Itemize.X14.Interests in partnerships or jointventures. Itemize.X15.Government and corporate bonds andother negotiable and non-negotiableinstruments.X16.Accounts receivable.X17.Alimony, maintenance, support, andproperty settlements in which thedebtor is or may be entitled. Giveparticulars.X18.Other liquidated debts owed to debtorincluding tax refunds. Giveparticulars.X19.Equitable or future interest, lifeestates, and rights or powersexercisable for the benefit of thedebtor other than those listed inSchedule A - Real Property.X20.Contingent and noncontingentinterests in estate of a decedent, deathbenefit plan, life insurance policy, ortrust.X21.Other contingent and unliquidatedclaims of every nature, including taxrefunds, counterclaims of the debtor,and rights to setoff claims. Giveestimated value of each.X22.Patents, copyrights, and otherintellectual property. Give particulars.X23.Licenses, franchises, and othergeneral intangibles. Give particulars.X24.Customer lists or other compilationscontaining personally identifiableinformation (as defined in 11 U.S.C. §101(41A)) provided to the debtor byindividuals in connection withobtaining a product or service fromthe debtor primarily for personal,family, or household purposes.X25.Automobiles, trucks, trailers, andother vehicles and accessories.2014 Subaru Forester20,250.0026.Boats, motors, and accessories.X27.Aircraft and accessories.X28.Office equipment, furnishings, andsupplies.X29.Machinery, fixtures, equipment, andsupplies used in business.X30.Inventory.X31.Animals.XB6B (Official Form 6B) (12/07) - Cont.IN REDebtor(s)Case No. (If known)(Continuation Sheet)TYPE OF PROPERTYNONEDESCRIPTION AND LOCATION OF PROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENT VALUE OFDEBTOR'S INTEREST INPROPERTY WITHOUTDEDUCTING ANYSECURED CLAIM OREXEMPTIONSCHEDULE B - PERSONAL PROPERTYCase 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 9 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene A32.Crops - growing or harvested. Giveparticulars.X33.Farming equipment and implements.X34.Farm supplies, chemicals, and feed.X35.Other personal property of any kindnot already listed. Itemize.XB6B (Official Form 6B) (12/07) - Cont.IN REDebtor(s)Case No. (If known)(Continuation Sheet)TYPE OF PROPERTYNONEDESCRIPTION AND LOCATION OF PROPERTYHUSBAND,WIFE,JOINT,ORCOMMUNITYCURRENT VALUE OFDEBTOR'S INTEREST INPROPERTY WITHOUTDEDUCTING ANYSECURED CLAIM OREXEMPTIONTOTAL(Include amounts from any continuation sheets attached.Report total also on Summary of Schedules.) continuation sheets attachedSCHEDULE B - PERSONAL PROPERTY21,600.000Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 10 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6C (Official Form 6C) (04/13)IN REDebtor(s)Case No. (If known)Debtor elects the exemptions to which debtor is entitled under: Check if debtor claims a homestead exemption that exceeds $155,675. *(Check one box) 11 U.S.C. § 522(b)(2) 11 U.S.C. § 522(b)(3)DESCRIPTION OF PROPERTYSPECIFY LAW PROVIDING EACH EXEMPTIONVALUE OF CLAIMEDEXEMPTIONCURRENT VALUEOF PROPERTYWITHOUT DEDUCTINGEXEMPTIONS* Amount subject to adjustment on 4/1/16 and every three years thereafter with respect to cases commenced on or after the date of adjustment.SCHEDULE C - PROPERTY CLAIMED AS EXEMPT(cid:57)Hepp, Darlene ASCHEDULE A - REAL PROPERTY4324 Avian Avenue, Fort Myers, FLArt. X, §4(a)(1), FSA §§ 222.01, 222.02100%82,105.00(principal residence)SCHEDULE B - PERSONAL PROPERTYDining table, six (6) chairs, rack (2001)Art X § 4(a)(2)125.00125.00Queen bed, dresser, 2 night stands, 32"Art X § 4(a)(2)275.00275.00LCD TV (2010)Refrigerator, Stove, Microwave, WasherArt X § 4(a)(2)250.00250.00and Dryer (2007)Sofa, Armchairs, coffee table, end table,Art X § 4(a)(2)300.00425.00entertainment center and 40" LCD TVMiscellaneous fantasay JewelryArt X § 4(a)(2)50.0050.00Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 11 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6D (Official Form 6D) (12/07)IN REDebtor(s)Case No. (If known)Statethename,mailingaddress,including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of thedateoffilingofthepetition.Thecompleteaccountnumberofanyaccountthedebtorhaswiththecreditorisusefultothetrusteeandthecreditorandmaybeprovidedifthedebtorchoosestodoso.Listcreditorsholdingalltypesofsecuredinterestssuchasjudgmentliens,garnishments,statutoryliens,mortgages,deedsoftrust, and othersecurity interests.Listcreditorsinalphabeticalordertotheextentpracticable.Ifaminorchildisthecreditor,statethechild'sinitialsandthenameandaddress of the child's parent orguardian,suchas"A.B.,aminorchild,byJohnDoe,guardian."Donotdisclosethechild'sname.See,11U.S.C.§112andFed.R.Bankr.P.1007(m).Ifallsecuredcreditorswill not fit on this page, use the continuation sheet provided.Ifanyentityotherthanaspouseinajointcasemaybejointlyliableonaclaim,placean“X”inthecolumnlabeled“Codebtor,” include the entity on the appropriatescheduleofcreditors,andcompleteScheduleH–Codebtors.Ifajointpetitionisfiled,statewhetherthehusband,wife,bothofthem,orthemaritalcommunitymaybeliableon each claim by placing an “H,” “W,” “J,” or “C” in the column labeled “Husband, Wife, Joint, or Community.”Iftheclaimis contingent, place an “X” in the column labeled “Contingent.” If the claim isunliquidated,placean“X”inthecolumnlabeled“Unliquidated.”Iftheclaimis disputed, place an “X” in the column labeled “Disputed.” (You may need to place an “X” in more than one of these three columns.)Total the columns labeled “Amount of Claim Without Deducting Value of Collateral” and “Unsecured Portion, if Any” in the boxes labeled “Total(s)” on the last sheetof the completed schedule. Report the total from the column labeled “Amount of Claim Without Deducting Value of Collateral” also on the Summary of Schedules and,ifthedebtorisanindividualwithprimarilyconsumerdebts,reportthetotalfromthecolumnlabeled“UnsecuredPortion,ifAny”ontheStatistical Summary of CertainLiabilities and Related Data. Check this box if debtor has no creditors holding secured claims to report on this Schedule D.CREDITOR'S NAME AND MAILING ADDRESSINCLUDING ZIP CODE AND ACCOUNT NUMBER.(See Instructions Above.)CODEBTORHUSBAND,WIFE,JOINT,ORCOMMUNITYDATE CLAIM WAS INCURRED,NATURE OF LIEN, AND DESCRIPTION AND VALUE OFPROPERTY SUBJECT TO LIENCONTINGENTUNLIQUIDATEDDISPUTEDAMOUNT OFCLAIM WITHOUTDEDUCTINGVALUE OFCOLLATERALUNSECUREDPORTION, IF ANYACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO. continuation sheets attachedSubtotal(Total of this page)$$Total(Use only on last page)$$(Report also onSummary ofSchedules.)(If applicable, reportalso on StatisticalSummary of CertainLiabilities and RelatedData.)SCHEDULE D - CREDITORS HOLDING SECURED CLAIMSHepp, Darlene A02992080626423,335.003,085.0020,250.00Ally Financial200 Renaissance CtrDetroit, MI 48243Installment account opened 2013-05-172014 Subaru ForesterVALUE $23573339487,158.005,053.0082,105.00Bank Of America, N.a.4161 Piedmont PkwyGreensboro, NC 27410Mortgage account opened 2011-07-124324 Avian Avenue, Fort Myers, FL(principal residence)VALUE $VALUE $VALUE $0110,493.00110,493.008,138.008,138.00Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 12 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene AB6E (Official Form 6E) (04/13)IN REDebtor(s)Case No. (If known)A complete list of claims entitled to priority, listed separately by type of priority, is to be set forth on the sheets provided. Only holders of unsecured claims entitled topriority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address, including zip code, and last four digits of the accountnumber, if any, of all entities holding priority claims against the debtor or the property of the debtor, as of the date of the filing of the petition. Use a separate continuationsheet for each type of priority and label each with the type of priority.The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so.If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Donot disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriateschedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be liableon each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim is contingent, place an "X" in the column labeled"Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled "Disputed." (Youmay need to place an "X" in more than one of these three columns.)Report the total of claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E in the box labeled “Total”on the last sheet of the completed schedule. Report this total also on the Summary of Schedules.Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts entitled to priority listedon this Schedule E in the box labeled “Totals” on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total also on theStatistical Summary of Certain Liabilities and Related Data.Report the total of amounts not entitled to priority listed on each sheet in the box labeled “Subtotals” on each sheet. Report the total of all amounts not entitled to prioritylisted on this Schedule E in the box labeled “Totals” on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total also onthe Statistical Summary of Certain Liabilities and Related Data. Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets)Domestic Support ObligationsClaims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, orresponsible relative of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in 11U.S.C. § 507(a)(1).Extensions of credit in an involuntary caseClaims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of theappointment of a trustee or the order for relief. 11 U.S.C. § 507(a)(3).Wages, salaries, and commissionsWages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifyingindependent sales representatives up to $12,475* per person earned within 180 days immediately preceding the filing of the original petition, or thecessation of business, whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(4).Contributions to employee benefit plansMoney owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or thecessation of business, whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(5).Certain farmers and fishermenClaims of certain farmers and fishermen, up to $6,150* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).Deposits by individualsClaims of individuals up to $2,775* for deposits for the purchase, lease, or rental of property or services for personal, family, or household use, thatwere not delivered or provided. 11 U.S.C. § 507(a)(7).Taxes and Certain Other Debts Owed to Governmental UnitsTaxes, customs duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. § 507(a)(8).Commitments to Maintain the Capital of an Insured Depository InstitutionClaims based on commitments to the FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governorsof the Federal Reserve System, or their predecessors or successors, to maintain the capital of an insured depository institution. 11 U.S.C. § 507 (a)(9).Claims for Death or Personal Injury While Debtor Was IntoxicatedClaims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using alcohol,a drug, or another substance. 11 U.S.C. § 507(a)(10).* Amounts are subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment. continuation sheets attachedSCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS(cid:57)0Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 13 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6F (Official Form 6F) (12/07)IN REDebtor(s)Case No. (If known)Statethename,mailingaddress,includingzipcode,andlastfourdigitsofanyaccountnumber,ofallentitiesholdingunsecuredclaimswithoutpriorityagainstthedebtoror the property of the debtor, as of the dateoffilingofthepetition.Thecompleteaccountnumber of any account the debtor has with the creditor is useful to the trustee andthe creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent orguardian,suchas"A.B.,aminorchild,byJohnDoe,guardian."Donotdisclosethechild'sname.See,11U.S.C.§112andFed.R.Bankr.P.1007(m).Donotincludeclaimslisted in Schedules D and E. If all creditors will not fit on this page, use the continuation sheet provided.If any entity other than a spouse in a joint case may be jointly liable on a claim, place an “X” in the column labeled “Codebtor,” include the entity on the appropriatescheduleofcreditors,andcompleteScheduleH-Codebtors.Ifajointpetitionisfiled,statewhetherthehusband,wife,bothofthem,orthemaritalcommunitymaybeliableon each claim by placing an “H,” “W,” “J,” or “C” in the column labeled “Husband, Wife, Joint, or Community.”Iftheclaimiscontingent,placean“X”inthecolumnlabeled“Contingent.”Iftheclaim is unliquidated, place an “X” in the column labeled “Unliquidated.” If the claimis disputed, place an “X” in the column labeled “Disputed.” (You may need to place an “X” in more than one of these three columns.) Reportthetotalofallclaimslistedonthis schedule in the box labeled “Total” on the last sheet of the completed schedule. Report this total also on the Summary ofSchedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data. Check this box if debtor has no creditors holding unsecured nonpriority claims to report on this Schedule F.CREDITOR'S NAME, MAILING ADDRESSINCLUDING ZIP CODE, AND ACCOUNT NUMBER.(See Instructions Above.)CODEBTORHUSBAND,WIFE,JOINT,ORCOMMUNITYDATE CLAIM WAS INCURRED ANDCONSIDERATION FOR CLAIM. IF CLAIM ISSUBJECT TO SETOFF, SO STATECONTINGENTUNLIQUIDATEDDISPUTEDAMOUNTOFCLAIMACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO. continuation sheets attachedSubtotal(Total of this page)$Total(Use only on last page of the completed Schedule F. Report also onthe Summary of Schedules and, if applicable, on the StatisticalSummary of Certain Liabilities and Related Data.)$SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMSHepp, Darlene A12400050homeq31,500.00Abbott Laboratories Ec401 N Riverside DrGurnee, IL 60031Revolving account opened 2002-10-02Home equity loan on property short sale4806-7848-2010-791712,122.00Abotlab Cu401 N. Riverside Dr.Gurnee, IL 60031-5906Revolving account opened 2000-05-05169603-1974975303478.00Cap1/bstbyPo Box 5253Carol Stream, IL 60197Revolving account opened 2011-08-015424180319732,940.00CitiPo Box 6241Sioux Falls, SD 57117Revolving account opened 2001-11-19247,040.00Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 14 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene AB6F (Official Form 6F) (12/07) - Cont.IN REDebtor(s)Case No. (If known)(Continuation Sheet)CREDITOR'S NAME, MAILING ADDRESSINCLUDING ZIP CODE, AND ACCOUNT NUMBER.(See Instructions Above.)CODEBTORHUSBAND,WIFE,JOINT,ORCOMMUNITYDATE CLAIM WAS INCURRED ANDCONSIDERATION FOR CLAIM. IF CLAIM ISSUBJECT TO SETOFF, SO STATECONTINGENTUNLIQUIDATEDDISPUTEDAMOUNTOFCLAIMACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.Sheet no. of continuation sheets attached toSchedule of Creditors Holding Unsecured Nonpriority ClaimsSubtotal(Total of this page)$Total(Use only on last page of the completed Schedule F. Report also onthe Summary of Schedules, and if applicable, on the StatisticalSummary of Certain Liabilities and Related Data.)$SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS546676003446714.00Comenity Bank/atylrlmcPo Box 182273Columbus, OH 43218Revolving account opened 2012-01-2812-075047-1767091128-00123.36Commonwealth Edison CompnayPO Box 9037Austin, TX 75001Credit Protection Association LPOriginal Commonwealth Edison Co.13355 Noel Rd.Dallas, TX 75240Assignee or other notification for:Commonwealth Edison CompnayL.J. Ross Associates, Inc.PO Box 6099Jackson, MI 49204Assignee or other notification for:Commonwealth Edison Compnay5435402556588564,841.00Fnb OmahaPo Box 3412Omaha, NE 68103Revolving account opened 2000-08-016019183041053,387.00Gecrb/care Credit950 Forrer BlvdKettering, OH 45420Revolving account opened 2012-06-079540033550658106,071.00Mortgage Service Cente2001 Bishops Gate BlvdMount Laurel, NJ 08054Mortgage account opened 2003-07-28First mortgage deficiency on property short sale.12115,136.36Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 15 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene AB6F (Official Form 6F) (12/07) - Cont.IN REDebtor(s)Case No. (If known)(Continuation Sheet)CREDITOR'S NAME, MAILING ADDRESSINCLUDING ZIP CODE, AND ACCOUNT NUMBER.(See Instructions Above.)CODEBTORHUSBAND,WIFE,JOINT,ORCOMMUNITYDATE CLAIM WAS INCURRED ANDCONSIDERATION FOR CLAIM. IF CLAIM ISSUBJECT TO SETOFF, SO STATECONTINGENTUNLIQUIDATEDDISPUTEDAMOUNTOFCLAIMACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.ACCOUNT NO.Sheet no. of continuation sheets attached toSchedule of Creditors Holding Unsecured Nonpriority ClaimsSubtotal(Total of this page)$Total(Use only on last page of the completed Schedule F. Report also onthe Summary of Schedules, and if applicable, on the StatisticalSummary of Certain Liabilities and Related Data.)$SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS50000000293252414,015.00Nhhelc/gsm&rPo Box 3420Concord, NH 03302Installment account opened 2006-06-0550293500027802403,510.00Sallie MaePo Box 9655Wilkes Barre, PA 18773Installment account opened 2011-12-2150293500034872742,344.00Sallie MaePo Box 9655Wilkes Barre, PA 18773Installment account opened 2012-04-1844250500191142263,849.00Suntrust BankPo Box 85526Richmond, VA 23285Revolving account opened 2011-11-083583647362,388.00Td Bank Usa/targetcredPo Box 673Minneapolis, MN 55440Revolving account opened 2006-03-06012285289201234.73Village Of Lindenhurst2301 E. Sand Lake RoadLindenhurst, IL 6004644654201037623,248.00Wells FargoCredit Bureau Disp Po Box 14517Des Moines, IA 50306Revolving account opened 2001-06-122249,588.73211,765.09Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 16 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6G (Official Form 6G) (12/07)IN REDebtor(s)Case No. (If known)Describeallexecutorycontracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State nature of debtor’s interest incontract,i.e.,“Purchaser,”“Agent,”etc.State whether debtor is the lessor orlesseeofalease.Providethenamesandcompletemailingaddressesofallotherpartiestoeachleaseorcontractdescribed.Ifaminorchildisapartytooneoftheleasesorcontracts,statethechild'sinitialsandthenameandaddress of the child's parent or guardian,such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Check this box if debtor has no executory contracts or unexpired leases.NAME AND MAILING ADDRESS, INCLUDING ZIP CODEOF OTHER PARTIES TO LEASE OR CONTRACTDESCRIPTION OF CONTRACT OR LEASE AND NATURE OF DEBTOR’S INTEREST.STATE WHETHER LEASE IS FOR NONRESIDENTIAL REAL PROPERTY.STATE CONTRACT NUMBER OF ANY GOVERNMENT CONTRACT.SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES(cid:57)Hepp, Darlene ACase 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 17 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB6H (Official Form 6H) (12/07)IN REDebtor(s)Case No. (If known)Provide the information requested concerning anypersonorentity,otherthan a spouse in a joint case, that is also liable on any debts listed by the debtor in the schedulesofcreditors.Includeallguarantorsandco-signers.Ifthedebtorresidesorresidedinacommunityproperty state, commonwealth, or territory (including Alaska, Arizona,California,Idaho,Louisiana,Nevada,NewMexico,PuertoRico,Texas,Washington,orWisconsin)withintheeight-yearperiodimmediatelyprecedingthecommencementofthecase,identifythenameofthedebtor’sspouseandofanyformerspousewhoresidesorresidedwiththedebtor in the community property state, commonwealth, orterritory.Includeallnames used by the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor oracreditor,statethechild'sinitialsandthenameandaddressofthechild'sparentorguardian,suchas"A.B.,aminorchild,byJohnDoe,guardian."Donotdisclosethechild'sname. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Check this box if debtor has no codebtors.NAME AND ADDRESS OF CODEBTORNAME AND ADDRESS OF CREDITORSCHEDULE H - CODEBTORS(cid:57)Hepp, Darlene ACase 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 18 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene AB6I (Official Form 6I) (12/07)IN REDebtor(s)Case No. (If known)Thecolumnlabeled“Spouse” must be completed in all cases filed by joint debtors and by every married debtor, whether or not a joint petition is filed, unless the spousesareseparatedandajointpetitionisnotfiled.Donotstatethenameofanyminorchild.The average monthly income calculated on this form may differ from the currentmonthly income calculated on From 22A, 22B, or 22C.Debtor's Marital StatusDEPENDENTS OF DEBTOR AND SPOUSERELATIONSHIP(S):AGE(S):EMPLOYMENT:DEBTORSPOUSEOccupationName of EmployerHow long employedAddress of EmployerINCOME: (Estimate of average or projected monthly income at time case filed)DEBTORSPOUSE1. Current monthly gross wages, salary, and commissions (prorate if not paid monthly)$ $ 2. Estimated monthly overtime$ $ 3. SUBTOTAL$ $ 4. LESS PAYROLL DEDUCTIONSa. Payroll taxes and Social Security$ $ b. Insurance$ $ c. Union dues$ $ d. Other (specify)$ $ $ $ 5. SUBTOTAL OF PAYROLL DEDUCTIONS$ $ 6. TOTAL NET MONTHLY TAKE HOME PAY$ $ 7. Regular income from operation of business or profession or farm (attach detailed statement)$ $ 8. Income from real property$ $ 9. Interest and dividends$ $ 10. Alimony, maintenance or support payments payable to the debtor for the debtor’s use orthat of dependents listed above$ $ 11. Social Security or other government assistance(Specify)$ $ $ $ 12. Pension or retirement income$ $ 13. Other monthly income(Specify)$ $ $ $ $ $ 14. SUBTOTAL OF LINES 7 THROUGH 13$ $ 15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14)$ $ 16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15;if there is only one debtor repeat total reported on line 15)$ (Report also on Summary of Schedules and, if applicable, onStatistical Summary of Certain Liabilities and Related Data)17. Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)SinglePharmacy TechCvs Pharmacy9 months1 CVS DriveWoonsocket, RI 02895-0000991.1736.231,027.40162.98162.98864.42SSI Benefits1,651.702,108.223,759.924,624.344,624.34NoneCase 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 19 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene AB6J (Official Form 6J) (12/07)IN REDebtor(s)Case No. (If known)Completethisschedulebyestimatingtheaverageorprojectedmonthlyexpensesofthedebtorandthedebtor’sfamilyattimecasefiled.Prorateanypaymentsmadebiweekly,quarterly,semi-annually,orannuallytoshowmonthlyrate.Theaveragemonthlyexpensescalculatedonthisformmaydifferfrom the deductions from income allowedon Form22A or 22C.Checkthis box if a joint petition is filed and debtor’s spouse maintains a separate household. Complete a separate schedule ofexpenditures labeled “Spouse.”1. Rent or home mortgage payment (include lot rented for mobile home)$ a. Are real estate taxes included?Yes No b. Is property insurance included?Yes No 2. Utilities:a. Electricity and heating fuel$ b. Water and sewer$ c. Telephone$ d. Other$ $ 3. Home maintenance (repairs and upkeep)$ 4. Food$ 5. Clothing$ 6. Laundry and dry cleaning$ 7. Medical and dental expenses$ 8. Transportation (not including car payments)$ 9. Recreation, clubs and entertainment, newspapers, magazines, etc.$ 10. Charitable contributions$ 11. Insurance (not deducted from wages or included in home mortgage payments)a. Homeowner’s or renter’s$ b. Life$ c. Health$ d. Auto$ e. Other$ $ 12. Taxes (not deducted from wages or included in home mortgage payments)(Specify)$ $ 13. Installment payments: (in chapter 11, 12 and 13 cases, do not list payments to be included in the plan)a. Auto$ b. Other$ $ 14. Alimony, maintenance, and support paid to others$ 15. Payments for support of additional dependents not living at your home$ 16. Regular expenses from operation of business, profession, or farm (attach detailed statement)$ 17. Other$ $ $ 18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and, ifapplicable, on the Statistical Summary of Certain Liabilities and Related Data.$ 19. Describe any increase or decrease in expenditures anticipated to occur within the year following the filing of this document:20. STATEMENT OF MONTHLY NET INCOMEa. Average monthly income from Line 15 of Schedule I$ b. Average monthly expenses from Line 18 above$ c. Monthly net income (a. minus b.)$ SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)779.29(cid:57)(cid:57)160.0095.00Cell Phones160.00Internet/Cable160.00175.00675.0050.0025.00320.0075.0040.0020.00146.00122.00445.00HOA Fees ($587.00/Quarter)195.67See Schedule Attached887.004,529.96None4,624.344,529.9694.38Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 20 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene AIN REDebtor(s)Case No. SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)Continuation Sheet - Page 1 of 1Other ExpensesStudent Loans459.00Sallie Mae Student Loans43.00Family Assistance - Daughter At Home300.00Meals Outside Of Home/Work85.00Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 21 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyHepp, Darlene AB6 Declaration (Official Form 6 - Declaration) (12/07)IN REDebtor(s)Case No. (If known)DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTORIdeclareunderpenaltyofperjurythatIhavereadtheforegoingsummaryandschedules,consistingofsheets,andthattheyaretrue and correct to the best of my knowledge, information, and belief.Date: Signature:DebtorDate: Signature:(Joint Debtor, if any)[If joint case, both spouses must sign.]DECLARATION AND SIGNATURE OF NON-ATTORNEY BANKRUPTCY PETITION PREPARER (See 11 U.S.C. § 110)Ideclareunderpenalty of perjury that: (1) I am a bankruptcy petition preparer as defined in 11 U.S.C. § 110; (2) I prepared this document forcompensationandhaveprovidedthedebtorwithacopyofthisdocumentandthenoticesandinformationrequiredunder11U.S.C.§§110(b),110(h),and342(b); and, (3) if rules or guidelines have been promulgated pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services chargeable bybankruptcypetitionpreparers,Ihavegiventhedebtornoticeofthemaximumamountbeforepreparinganydocumentforfilingforadebtororacceptingany fee from the debtor, as required by that section.Printed or Typed Name and Title, if any, of Bankruptcy Petition Preparer Social Security No. (Required by 11 U.S.C. § 110.)Ifthebankruptcypetitionpreparerisnotanindividual,state the name, title (if any), address, and social security number of the officer, principal,responsible person, or partner who signs the document.AddressSignature of Bankruptcy Petition Preparer DateNamesandSocialSecuritynumbersofallotherindividualswhopreparedorassistedinpreparingthisdocument,unlessthebankruptcypetitionprepareris not an individual:If more than one person prepared this document, attach additional signed sheets conforming to the appropriate Official Form for each person.Abankruptcypetitionpreparer'sfailuretocomplywiththeprovisionoftitle 11 and the Federal RulesofBankruptcyProceduremayresultinfinesorimprisonment or both. 11 U.S.C. § 110; 18 U.S.C. § 156.DECLARATION UNDER PENALTY OF PERJURY ON BEHALF OF CORPORATION OR PARTNERSHIPI, the (the president or other officer or an authorized agent of the corporation or amember or an authorized agent of the partnership) of the (corporationorpartnership)namedasdebtorinthiscase,declareunderpenaltyofperjurythatIhavereadtheforegoingsummaryandschedules, consisting of sheets(totalshownonsummarypageplus1),andthattheyaretrueandcorrecttothebestofmyknowledge, information, and belief.Date: Signature:(Print or type name of individual signing on behalf of debtor)[An individual signing on behalf of a partnership or corporation must indicate position or relationship to debtor.]Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both. 18 U.S.C. §§ 152 and 3571.DECLARATION CONCERNING DEBTOR'S SCHEDULES17August 13, 2013/s/ Darlene A HeppDarlene A HeppCase 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 22 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyB7 (Official Form 7) (04/13)IN RE: Case No. Debtor(s)Chapter This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for both spousesis combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or not a joint petitionis filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole proprietor, partner, familyfarmer, or self-employed professional, should provide the information requested on this statement concerning all such activities as well as the individual'spersonal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the name and address of the child's parent orguardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).Questions 1 - 18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete Questions 19 -25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer to any question,use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.DEFINITIONS"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in business"for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of the following:an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner, other than a limitedpartner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be “in business” for the purpose of thisform if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the debtor’s primary employment."Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives; corporations ofwhich the debtor is an officer, director, or person in control; officers, directors, and any persons in control of a corporate debtor and their relatives;affiliates of the debtor and insiders of such affiliates; any managing agent of the debtor. 11 U.S.C. § 101(2),(31).United States Bankruptcy CourtMiddle District of Florida, Fort Myers DivisionSTATEMENT OF FINANCIAL AFFAIRS7Hepp, Darlene A1. Income from employment or operation of businessNoneState the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's business,including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar year to the date thiscase was commenced. State also the gross amounts received during the two years immediately preceding this calendar year. (A debtor thatmaintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may report fiscal year income. Identify thebeginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for each spouse separately. (Married debtors filingunder chapter 12 or chapter 13 must state income of both spouses whether or not a joint petition is filed, unless the spouses are separated and ajoint petition is not filed.)AMOUNTSOURCE69,767.002011 Income32,810.002012 Income32,800.002013 Income to date2. Income other than from employment or operation of businessNoneState the amount of income received by the debtor other than from employment, trade, profession, operation of the debtor’s business during thetwo years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for each spouseseparately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint petition is filed, unlessthe spouses are separated and a joint petition is not filed.)(cid:57)3. Payments to creditorsComplete a. or b., as appropriate, and c.Nonea. Individual or joint debtor(s) with primarily consumer debts: List all payments on loans, installment purchases of goods or services, and otherdebts to any creditor made within 90 days immediately preceding the commencement of this case unless the aggregate value of all property thatconstitutes or is affected by such transfer is less than $600. Indicate with an asterisk (*) any payments that were made to a creditor on account ofa domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and creditcounseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a jointpetition is filed, unless the spouses are separated and a joint petition is not filed.)(cid:57)Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 23 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyNoneb. Debtor whose debts are not primarily consumer debts:List each payment or other transfer to any creditor made within 90 days immediatelypreceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such transfer is less than$6,255.* If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on account of a domestic supportobligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and credit counseling agency. (Marrieddebtors filing under chapter 12 or chapter 13 must include payments and other transfers by either or both spouses whether or not a joint petitionis filed, unless the spouses are separated and a joint petition is not filed.)* Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.(cid:57)Nonec. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of creditorswho are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or nota joint petition is filed, unless the spouses are separated and a joint petition is not filed.)(cid:57)4. Suits and administrative proceedings, executions, garnishments and attachmentsNonea. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of thisbankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether ornot a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)CAPTION OF SUITCOURT OR AGENCYSTATUS ORAND CASE NUMBERNATURE OF PROCEEDINGAND LOCATIONDISPOSITIONPHH Mortgage v. Darlene HeppForeclosureLake ILDismissed12-CH-4950Noneb. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately precedingthe commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of eitheror both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)(cid:57)5. Repossessions, foreclosures and returnsNoneList all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or returned tothe seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 mustinclude information concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and ajoint petition is not filed.)(cid:57)6. Assignments and receivershipsNonea. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of this case.(Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a joint petition is filed,unless the spouses are separated and joint petition is not filed.)(cid:57)Noneb. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately preceding thecommencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or bothspouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)(cid:57)7. GiftsNoneList all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary and usualgifts to family members aggregating less than $200 in value per individual family member and charitable contributions aggregating less than $100per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by either or both spouses whether or nota joint petition is filed, unless the spouses are separated and a joint petition is not filed.)(cid:57)8. LossesNoneList all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or since thecommencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both spouses whether or nota joint petition is filed, unless the spouses are separated and a joint petition is not filed.)(cid:57)9. Payments related to debt counseling or bankruptcyNoneList all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation concerning debtconsolidation, relief under the bankruptcy law or preparation of a petition in bankruptcy within one year immediately preceding the commencementof this case.DATE OF PAYMENT, NAME OFAMOUNT OF MONEY OR DESCRIPTIONNAME AND ADDRESS OF PAYEEPAYOR IF OTHER THAN DEBTORAND VALUE OF PROPERTYLaw Office of Juan J. Piles, Esquire1,461.004905 Chiquita Blvd., Suite 103Cape Coral, FL 33914-0000Case 9:13-bk-11067-FMD Doc 1 Filed 08/21/13 Page 24 of 39

© 1993-2013 EZ-Filing, Inc. [1-800-998-2424] - Forms Software OnlyAttorney Fees: $1,155Court Costs: $30610. Other transfersNonea. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred eitherabsolutely or as security within two years immediately preceding the commencement of this case. (Married debtors filing under chapter 12 orchapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a jointpetition is not filed.)NAME AND ADDRESS OF TRANSFEREE,DESCRIBE PROPERTY TRANSFERREDRELATIONSHIP TO DEBTOR