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Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 1 of 37

B1 (Official Form 1) (04/13)

United States Bankruptcy Court

SOUTHERN DISTRICT OF FLORIDA

FORT LAUDERDALE DIVISION

Voluntary Petition

Name of Debtor (if individual, enter Last, First, Middle):
Velez, Cynthia

All Other Names used by the Debtor in the last 8 years
(include married, maiden, and trade names):
aka Cynthia Applegate

Name of Joint Debtor (Spouse) (Last, First, Middle):

All Other Names used by the Joint Debtor in the last 8 years
(include married, maiden, and trade names):

xxx-xx-7776

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. and Street, City, and State):
3335 Pinewalk Drive N.
#103
Margate, FL

ZIP CODE
33063

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN)/Complete EIN (if more
than one, state all):
Street Address of Joint Debtor (No. and Street, City, and State):

County of Residence or of the Principal Place of Business:
Broward
Mailing Address of Debtor (if different from street address):

County of Residence or of the Principal Place of Business:

Mailing Address of Joint Debtor (if different from street address):

Location of Principal Assets of Business Debtor (if different from street address above):

ZIP CODE

ZIP CODE

ZIP CODE

ZIP CODE

Type 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)
Partnership
Other (If debtor is not one of the above entities, check
this box and state type of entity below.)

Chapter 15 Debtors
Country of debtor's center of main interests:

Each country in which a foreign proceeding by, regarding, or
against debtor is pending:

Filing Fee (Check one box.)

Full Filing Fee attached.

Filing Fee to be paid in installments (applicable to individuals only). Must attach
signed application for the court's consideration certifying that the debtor is
unable to pay fee except in installments. Rule 1006(b). See Official Form 3A.

Filing Fee waiver requested (applicable to chapter 7 individuals only). Must
attach signed application for the court's consideration. See Official Form 3B.

Statistical/Administrative Information

Debtor 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 for distribution to unsecured creditors.

Estimated Number of Creditors

Nature of Business

(Check one box.)
Health Care Business
Single Asset Real Estate as defined
in 11 U.S.C. § 101(51B)
Railroad
Stockbroker
Commodity Broker
Clearing Bank
Other

Tax-Exempt Entity
(Check box, if applicable.)

Debtor is a tax-exempt organization
under title 26 of the United States
Code (the Internal Revenue Code).

Chapter of Bankruptcy Code Under Which
the Petition is Filed (Check one box.)

Chapter 7
Chapter 9
Chapter 11
Chapter 12
Chapter 13

Chapter 15 Petition for Recognition
of a Foreign Main Proceeding
Chapter 15 Petition for Recognition
of a Foreign Nonmain Proceeding

Nature of Debts
(Check one box.)

Debts are primarily consumer
debts, defined in 11 U.S.C.
§ 101(8) as "incurred by an
individual primarily for a
personal, family, or house-
hold purpose."

Debts are primarily
business debts.

Check one box:

Chapter 11 Debtors

Debtor is a small business debtor as defined by 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 noncontigent liquidated debts (excluding debts owed to
insiders or affiliates) are less than $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 petition.
Acceptances of the plan were solicited prepetition from one or more classes
of creditors, in accordance with 11 U.S.C. § 1126(b).

THIS SPACE IS FOR
COURT USE ONLY

1-49

50-99

100-199

200-999

1,000-
5,000

5,001-
10,000

10,001-
25,000

25,001-
50,000

50,001-
100,000

Over
100,000

$100,001 to
$500,000

$500,001
to $1 million

$1,000,001
to $10 million

$10,000,001
to $50 million

$50,000,001
to $100 million

$100,000,001
to $500 million

$500,000,001
to $1 billion

More than
$1 billion

Estimated Assets

$0 to
$50,001 to
$50,000 $100,000
Estimated Liabilities

$0 to
$50,000 $100,000

$50,001 to $100,001 to

$500,000

$500,001
to $1 million

$1,000,001
to $10 million

$10,000,001
to $50 million

$50,000,001
to $100 million

$100,000,001
to $500 million

$500,000,001
to $1 billion

More than
$1 billion

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Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 2 of 37

B1 (Official Form 1) (04/13)
Voluntary Petition
(This page must be completed and filed in every case.)

Name of Debtor(s):

Cynthia Velez

Page 2

All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet.)

Location Where Filed:
None
Location Where Filed:

Case Number:

Case Number:

Date Filed:

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:
None
District:

Case Number:

Relationship:

Date Filed:

Judge:

Exhibit A

(To be completed if debtor is required to file periodic reports (e.g., forms 10K and
10Q) with the Securities and Exchange Commission pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934 and is requesting relief under chapter 11.)

Exhibit A is attached and made a part of this petition.

Exhibit B

(To be completed if debtor is an individual
whose debts are primarily consumer debts.)

I, the attorney for the petitioner named in the foregoing petition, declare that I have
informed the petitioner that [he or she] may proceed under chapter 7, 11, 12, or 13
of title 11, United States Code, and have explained the relief available under each
such chapter. I further certify that I have delivered to the debtor the notice
required by 11 U.S.C. § 342(b).

X
Exhibit C

/s/ Billie Tarnove
Billie Tarnove

6/25/2013

Date

Does 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 health or safety?

Yes, and Exhibit C is attached and made a part of this petition.
No.

(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 and made a part of this petition.

Exhibit D

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 immediately
preceding 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.

Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)

Certification by a Debtor Who Resides as a Tenant of Residential Property

(Check all applicable boxes.)

(Name of landlord that obtained judgment)

Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure the entire
monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and

Debtor has included with this petition the deposit with the court of any rent that would become due during the 30-day period after the filing of the
petition.

(Address of landlord)

Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).

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Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 3 of 37

B1 (Official Form 1) (04/13)
Voluntary Petition
(This page must be completed and filed in every case)

Signature(s) of Debtor(s) (Individual/Joint)

I declare under penalty of perjury that the information provided in this petition is
true and correct.
[If petitioner is an individual whose debts are primarily consumer debts and has
chosen to file under chapter 7] I am aware that I may proceed under chapter 7,
11, 12 or 13 of title 11, United States Code, understand the relief available under
each such chapter, and choose to proceed under chapter 7.
[If no attorney represents me and no bankruptcy petition preparer signs the
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 States Code,
specified in this petition.

X /s/ Cynthia Velez
Cynthia Velez
X

Telephone Number (If not represented by attorney)
6/25/2013
Date

Signature of Attorney*

X /s/ Billie Tarnove
Billie Tarnove
[email protected]

Bar No. 277861

Billie Tarnove, Esq. P.A.
Post Office Box 23536
Fort Lauderdale, FL 33307

Phone No.______________________ Fax No.______________________

(954) 229-1984

(866) 633-0259

6/25/2013
Date

*In a case in which § 707(b)(4)(D) applies, this signature also constitutes a
certification that the attorney has no knowledge after an inquiry that the
information in the schedules is incorrect.

Signature of Debtor (Corporation/Partnership)

I declare under penalty of perjury that the information provided in this petition is
true and correct, and that I have been authorized to file this petition on behalf of
the debtor.

The debtor requests relief in accordance with the chapter of title 11, United States
Code, specified in this petition.

X

Signature of Authorized Individual

Printed Name of Authorized Individual

Title of Authorized Individual

Date

Name of Debtor(s):

Cynthia Velez

Signatures

Page 3

Signature of a Foreign Representative

I declare under penalty of perjury that the information provided in this petition is true
and correct, that I am the foreign representative of a debtor in 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, United States 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 the chapter of
title 11 specified in this petition. A certified copy of the order granting
recognition of the foreign main proceeding is attached.

X

(Signature of Foreign Representative)

(Printed Name of Foreign Representative)

Date

Signature of Non-Attorney Bankruptcy Petition Preparer
I declare under penalty of perjury that: (1) I am a bankruptcy petition preparer as
defined in 11 U.S.C. § 110; (2) I prepared this document for compensation and
have provided the debtor with a copy of this document and 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 promulgated pursuant to 11 U.S.C. § 110(h) setting a
maximum fee for services chargeable by bankruptcy petition preparers, I have
given the debtor notice of the maximum amount before preparing any document
for filing for a debtor or accepting any fee from the debtor, as required in that
section. Official Form 19 is attached.

Printed Name and title, if any, of Bankruptcy Petition Preparer

Social-Security number (If the bankruptcy petition preparer is not an individual,
state the Social-Security number of the officer, principal, responsible person or
partner of the bankruptcy petition preparer.) (Required by 11 U.S.C. § 110.)

Address

X

Date

Signature of bankruptcy petiton preparer or officer, principal, responsible person, or
partner whose Social-Security number is provided above.

Names and Social-Security numbers of all other individuals who prepared or
assisted in preparing this document unless the bankruptcy petition preparer is not
an individual.

If more than one person prepared this document, attach additional sheets
conforming to the appropriate official form for each person.

A bankruptcy petition preparer's failure to comply with the provisions of title 11
and the Federal Rules of Bankruptcy Procedure may result in fines or
imprisonment or both. 11 U.S.C. § 110; 18 U.S.C. § 156.

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Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 4 of 37

B6 Summary (Official Form 6 - Summary) (12/07)

UNITED STATES BANKRUPTCY COURT

SOUTHERN DISTRICT OF FLORIDA

FORT LAUDERDALE DIVISION

In re

Cynthia Velez

Case No.

Chapter

7

SUMMARY OF SCHEDULES

Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from
Schedules A, B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the
debtor's assets. Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtor's liabilities.
Individual debtors also must complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under
chapter 7, 11, or 13.

NAME OF SCHEDULE

ATTACHED
(YES/NO)

NO. OF
SHEETS

ASSETS

LIABILITIES

OTHER

A - Real Property

B - Personal Property

C - Property Claimed

as Exempt

D - Creditors Holding

Secured Claims

E - Creditors Holding Unsecured

Priority Claims
(Total of Claims on Schedule E)

F - Creditors Holding Unsecured

Nonpriority Claims

G - Executory Contracts and

Unexpired Leases

H - Codebtors

I - Current Income of

Individual Debtor(s)

J - Current Expenditures of

Individual Debtor(s)

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

1

4

1

1

2

1

1

1

1

1

$155,150.00

$11,200.00

$290,429.00

$2,200.00

$23,660.00

$3,057.69

$3,010.91

TOTAL

14

$166,350.00

$316,289.00

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 5 of 37

Form 6 - Statistical Summary (12/07)

In re

Cynthia Velez

UNITED STATES BANKRUPTCY COURT

SOUTHERN DISTRICT OF FLORIDA

FORT LAUDERDALE DIVISION

Case No.

Chapter

7

STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)

If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C.
§ 101(8)), filing a case under chapter 7, 11, or 13, you must report all information requested below.

Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to report any
information here.

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 Liability
Domestic 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) (whether disputed or undisputed)

Student Loan Obligations (from Schedule F)

Domestic Support, Separation Agreement, and Divorce Decree
Obligations Not Reported on Schedule E

Obligations to Pension or Profit-Sharing, and Other Similar
Obligations (from Schedule F)

Amount

$0.00

$2,200.00

$0.00

$0.00

$0.00

$0.00

TOTAL

$2,200.00

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 22C Line 20)

State the following:
1. Total from Schedule D, "UNSECURED PORTION, IF ANY"
column

$3,057.69

$3,010.91

$3,530.99

2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY"
column.

$0.00

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)

$129,048.00

$2,200.00

$23,660.00

$154,908.00

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 6 of 37

B6A (Official Form 6A) (12/07)

In re

Cynthia Velez

Case No.

(if known)

SCHEDULE A - REAL PROPERTY

Description and

Location of
Property

Nature of Debtor's
Interest in Property

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3285 NW 68 Avenue, Margate, FL
A portion of Parcel R of Holiday Springs East
recorded in Plat Book 133 at page 49 of the public
records of Broward County, Florida.

owned as tenants in common with ex-husband,
Jaime Velez, Jr.

fee simple

-

Current Value
of Debtor's
Interest in

Property, Without
Deducting Any
Secured Claim
or Exemption

Amount Of

Secured Claim

$155,150.00







$284,198.00







Total:
(Report also on Summary of Schedules)

$155,150.00

B6B (Official Form 6B) (12/07)

In re

Cynthia Velez

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 7 of 37

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

,
t

Type of Property

e
n
o
N

Description and Location of Property

1. Cash on hand.

Money


2. Checking, savings or other finan-
cial accounts, certificates of deposit
or shares in banks, savings and loan,
thrift, building and loan, and home-
stead associations, or credit unions,
brokerage houses, or cooperatives.

Bank of America, checking account ending in 9162






3. Security deposits with public util-
ities, telephone companies, land-
lords, and others.

X



4. Household goods and furnishings,
including audio, video and computer
equipment.

Couch, chairs, entertainment center, dining room table with





chairs, small kitchen appliances, two bedroom sets,
flatware, dishes, glasses, pots and pans, nik naks, lamps,
computer, three televisions

5. Books; pictures and other art
objects; antiques; stamp, coin,
record, tape, compact disc, and other
collections or collectibles.

X




6. Wearing apparel.

7. Furs and jewelry.

Clothes


Necklace, costume jewelry, earrings


8. Firearms and sports, photo-
graphic, and other hobby equipment.

9. Interests in insurance policies.
Name insurance company of each
policy and itemize surrender or
refund value of each.

X


X




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-










-


-










Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

$100.00


$150.00










$750.00










$100.00


$100.00










Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 8 of 37

B6B (Official Form 6B) (12/07) -- Cont.

In re

Cynthia Velez

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

Continuation Sheet No. 1

,
t

Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

Type of Property

e
n
o
N

Description and Location of Property

10. Annuities. Itemize and name
each issuer.

11. Interests in an education IRA as
defined in 26 U.S.C. § 530(b)(1) or
under a qualified State tuition plan
as defined in 26 U.S.C. § 529(b)(1).
Give particulars. (File separately
the record(s) of any such interest(s).
11 U.S.C. § 521(c).)

12. Interests in IRA, ERISA, Keogh,
or other pension or profit sharing
plans. Give particulars.

13. Stock and interests in incorpo-
rated and unincorporated businesses.
Itemize.

14. Interests in partnerships or joint
ventures. Itemize.

15. Government and corporate bonds
and other negotiable and non-
negotiable instruments.

16. Accounts receivable.

17. Alimony, maintenance, support,
and property settlements to which the
debtor is or may be entitled. Give
particulars.

18. Other liquidated debts owed to
debtor including tax refunds. Give
particulars.

X


X







X



X



X


X



X

X




X



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Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 9 of 37

B6B (Official Form 6B) (12/07) -- Cont.

In re

Cynthia Velez

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

Continuation Sheet No. 2

,
t

Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

Type of Property

e
n
o
N

Description and Location of Property

19. Equitable or future interests, life
estates, and rights or powers exercis-
able for the benefit of the debtor other
than those listed in Schedule A - Real
Property.

20. Contingent and noncontingent
interests in estate of a decedent, death
benefit plan, life insurance policy, or
trust.

21. Other contingent and unliqui-
dated claims of every nature,
including tax refunds, counterclaims
of the debtor, and rights to setoff
claims. Give estimated value of each.

22. Patents, copyrights, and other
intellectual property. Give
particulars.

23. Licenses, franchises, and other
general intangibles. Give particulars.

X





X




X





X



X


24. Customer lists or other compilations X

containing personally identifiable

information (as defined in 11 U.S.C.

§ 101(41A)) provided to the debtor by

individuals in connection with obtaining

a product or service from the debtor

primarily for personal, family, or

household purposes.

25. Automobiles, trucks, trailers,
and other vehicles and accessories.

2009 Toyota Camry, VIN #4T1BE46K49U314326
48000 miles


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-




































$10,000.00



Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 10 of 37

B6B (Official Form 6B) (12/07) -- Cont.

In re

Cynthia Velez

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

Continuation Sheet No. 3

,
t

Type of Property

e
n
o
N

Description and Location of Property

26. Boats, motors, and accessories.

27. Aircraft and accessories.

28. Office equipment, furnishings,
and supplies.

29. Machinery, fixtures, equipment,
and supplies used in business.

30. Inventory.

31. Animals.

32. Crops - growing or harvested.
Give particulars.

33. Farming equipment and
implements.

34. Farm supplies, chemicals, and
feed.

35. Other personal property of any
kind not already listed. Itemize.

X

X

X


X


X

X

X


X


X


X


Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

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continuation sheets attached
(Include amounts from any continuation sheets attached. Report total also on Summary of Schedules.)

3

Total >

$11,200.00

B6C (Official Form 6C) (4/13)

In re

Cynthia Velez

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 11 of 37

Case No.

(If known)

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT

Debtor claims the exemptions to which debtor is entitled under:
(Check one box)

Check if debtor claims a homestead exemption that exceeds
$155,675.*

11 U.S.C. § 522(b)(2)
11 U.S.C. § 522(b)(3)

Description of Property

Specify Law Providing Each

Exemption

Value of Claimed

Exemption

Current

Value of Property
Without Deducting

Exemption

Money

Bank of America, checking account ending in
9162

Couch, chairs, entertainment center, dining
room table with chairs, small kitchen
appliances, two bedroom sets, flatware,
dishes, glasses, pots and pans, nik naks,
lamps, computer, three televisions

Fla. Stat. Ann. § 222.25(4)

Fla. Stat. Ann. § 222.25(4)

Fla. Stat. Ann. § 222.25(4)

Clothes

Fla. Stat. Ann. § 222.25(4)

Necklace, costume jewelry, earrings

Fla. Stat. Ann. § 222.25(4)

2009 Toyota Camry, VIN #
4T1BE46K49U314326
48000 miles

Fla. Stat. Ann. § 222.25(1)

Fla. Stat. Ann. § 222.25(4)

$100.00

$150.00


$750.00





$100.00

$100.00

$1,000.00

$2,769.00


$100.00

$150.00


$750.00





$100.00

$100.00

$10,000.00




* 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.

$4,969.00

$11,200.00

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 12 of 37

B6D (Official Form 6D) (12/07)
Cynthia Velez

In re

Case No.

(if known)

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
Check this box if debtor has no creditors holding secured claims to report on this Schedule D.

CREDITOR'S NAME AND

MAILING ADDRESS

INCLUDING ZIP CODE AND

AN ACCOUNT NUMBER
(See Instructions Above.)

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DATE CLAIM WAS

INCURRED, NATURE

OF LIEN, AND

DESCRIPTION AND

VALUE OF

PROPERTY SUBJECT

TO LIEN

44922861

ACCT #:
Chase
POB 24696
Columbus, OH 43224

646000400

ACCT #:
Flagstar Bank
5151 Corporate Drive
Troy, MI 48098

UNSECURED
PORTION, IF

ANY

AMOUNT OF

CLAIM

WITHOUT
DEDUCTING
VALUE OF
COLLATERAL

$50,424.00

$50,424.00

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2005
DATE INCURRED:
NATURE OF LIEN:
Second mortgage
COLLATERAL:
3285 NW 68 Avenue, Margate, FL
REMARKS:



-

$155,150.00

2005

VALUE:
DATE INCURRED:
NATURE OF LIEN:
First mortgage
COLLATERAL:
3285 NW 68 Avenue, Margate, FL
REMARKS:

X

-

$233,774.00

$78,624.00







xxxxxxxxxxxxxxxxxxxx0336

ACCT #:
Region/AMS
POB 11007
Birmingham, AL 35288

$155,150.00

2008

VALUE:
DATE INCURRED:
NATURE OF LIEN:
Automobile loan
COLLATERAL:
2009 Toyota Camry, VIN #
REMARKS:



-

$6,231.00









VALUE:

$10,000.00

________________continuation sheets attached

No

Subtotal (Total of this Page) >
Total (Use only on last page) >

$290,429.00
$290,429.00
(Report also on
Summary of
Schedules.)

$129,048.00
$129,048.00

(If applicable,
report also on
Statistical
Summary of
Certain Liabilities
and Related
Data.)

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 13 of 37

B6E (Official Form 6E) (04/13)

In re

Cynthia Velez

Case No.

(If Known)

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.

TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets.)

Domestic Support Obligations
Claims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian,
or responsible relative of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent
provided in 11 U.S.C. § 507(a)(1).

Extensions of credit in an involuntary case
Claims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of
the appointment of a trustee or the order for relief. 11 U.S.C. § 507(a)(3).

Wages, salaries, and commissions
Wages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to
qualifying independent sales representatives up to $12,475* per person earned within 180 days immediately preceding the filing of the original
petition, or the cessation of business, whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(4).

Contributions to employee benefit plans
Money owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or the
cessation of business, whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(5).

Certain farmers and fishermen
Claims 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 individuals
Claims of individuals up to $2,775* for deposits for the purchase, lease or rental of property or services for personal, family, or household use,
that were not delivered or provided. 11 U.S.C. § 507(a)(7).

Taxes and Certain Other Debts Owed to Governmental Units
Taxes, 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 Institution
Claims based on commitments to the FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors
of 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 Intoxicated
Claims 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).

Administrative allowances under 11 U.S.C. Sec. 330
Claims based on services rendered by the trustee, examiner, professional person, or attorney and by any paraprofessional person employed
by such person as approved by the court and/or in accordance with 11 U.S.C. §§ 326, 328, 329 and 330.

* 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 attached

1

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 14 of 37

B6E (Official Form 6E) (04/13) - Cont.
In re

Cynthia Velez

Case No.

(If Known)

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

TYPE OF PRIORITY

Taxes and Certain Other Debts Owed to Governmental Units

,

CREDITOR'S NAME,
MAILING ADDRESS

INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)

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DATE CLAIM WAS INCURRED
AND CONSIDERATION FOR

CLAIM

ACCT #:
Internal Revenue Service
Centralized Insolvency Operations
POB 7346
Philadelphia, PA 19101

2010

DATE INCURRED:
CONSIDERATION:
1040 Taxes
REMARKS:



-

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Sheet no. __________ of __________ continuation sheets
attached to Schedule of Creditors Holding Priority Claims

1

1

Subtotals (Totals of this page) >
Total >

(Use only on last page of the completed Schedule E.
Report also on the Summary of Schedules.)

(Use only on last page of the completed Schedule E.
If applicable, report also on the Statistical Summary
of Certain Liabilities and Related Data.)

Totals >

AMOUNT

OF

CLAIM

AMOUNT

ENTITLED TO

PRIORITY

AMOUNT

NOT

ENTITLED TO
PRIORITY, IF

ANY

$2,200.00

$0.00

$2,200.00

$2,200.00
$2,200.00

$0.00

$2,200.00

$0.00

$2,200.00

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 15 of 37

B6F (Official Form 6F) (12/07)

In re

Cynthia Velez

Case No.

(if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.

CREDITOR'S NAME,
MAILING ADDRESS

INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)

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DATE CLAIM WAS
INCURRED AND

CONSIDERATION FOR

CLAIM.

IF CLAIM IS SUBJECT TO

SETOFF, SO STATE.

431307226703

ACCT #:
Bank of America
POB 982235
El Paso, TX 79998

546632109786

ACCT #:
Bank of America
POB 982235
El Paso, TX 79998

426684125304

ACCT #:
Chase Bank USA
POB 15298
Wilmington, DE 19850

1047273

ACCT #:
Northwest Hospital EKG Reade
c/o First Federal Credit & Collection
5821 Hollywood Blvd
Hollywood, FL 33021

2010

DATE INCURRED:
CONSIDERATION:
Credit Card
REMARKS:

2011

DATE INCURRED:
CONSIDERATION:
Credit Card
REMARKS:

2011

DATE INCURRED:
CONSIDERATION:
Credit Card
REMARKS:

2012

DATE INCURRED:
CONSIDERATION:
medical bill
REMARKS:

X

-



-

X

-



-

AMOUNT OF

CLAIM

$11,396.00

$3,130.00

$9,059.00

$75.00

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________________continuation sheets attached

No

Subtotal >

Total >
(Use only on last page of the completed Schedule F.)
(Report also on Summary of Schedules and, if applicable, on the
Statistical Summary of Certain Liabilities and Related Data.)

$23,660.00

$23,660.00

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 16 of 37

B6G (Official Form 6G) (12/07)

In re

Cynthia Velez

Case No.

(if known)

SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES

Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests.
State nature of debtor's interest in contract, i.e., "Purchaser," "Agent," etc. State whether debtor is the lessor or lessee of a lease.
Provide the names and complete mailing addresses of all other parties to each lease or contract described. If a minor child is a party to
one of the leases of contracts, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a
minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).

Check this box if debtor has no executory contracts or unexpired leases.

NAME AND MAILING ADDRESS, INCLUDING ZIP CODE,

OF OTHER PARTIES TO LEASE OR CONTRACT.

DESCRIPTION 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.

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 17 of 37

B6H (Official Form 6H) (12/07)
In re

Cynthia Velez

Case No.

(if known)

SCHEDULE H - CODEBTORS

Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listed by the debtor
in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state, commonwealth, or
territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within the eight-
year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and of any former spouse who resides or
resided with the debtor in the community property state, commonwealth, or territory. Include all names used by the nondebtor spouse during the eight
years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor, state the child's initials and the name and
address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112
and Fed. R. Bankr. P. 1007(m).

Check this box if debtor has no codebtors.
NAME AND ADDRESS OF CODEBTOR

Jaime Velez

Jaime Velez, Jr
1448 Avon Lane
#815
North Lauderdale, FL

Jamie Velez, Jr.

NAME AND ADDRESS OF CREDITOR

Flagstar Bank
5151 Corporate Drive
Troy, MI 48098

Bank of America
POB 982235
El Paso, TX 79998

Chase Bank USA
POB 15298
Wilmington, DE 19850

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 18 of 37

B6I (Official Form 6I) (12/07)
In re

Cynthia Velez

Case No.

(if known)

SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)

The column labeled "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 spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly income calculated on
this form may differ from the current monthly income calculated on Form 22A, 22B, or 22C.
Debtor's Marital Status:

Dependents of Debtor and Spouse
Relationship(s):

14

Age(s):

Age(s):

Single

Relationship(s):

son

Employment:
Occupation
Name of Employer
How Long Employed
Address of Employer

Debtor
call center manager
IWS Acquisition Center
5 years
5901 Broken Sound
Parkway #400
Boca Raton, FL 33487

Spouse

INCOME: (Estimate of average or projected monthly income at time case filed)
1.
Monthly gross wages, salary, and commissions (Prorate if not paid monthly)
Estimate monthly overtime
2.
3.
SUBTOTAL
LESS PAYROLL DEDUCTIONS
4.
a. Payroll taxes (includes social security tax if b. is zero)
b. Social Security Tax
c. Medicare
d. Insurance
e. Union dues
f. Retirement
g. Other (Specify)
h. Other (Specify)
i. Other (Specify)
j. Other (Specify)
k. Other (Specify)
SUBTOTAL OF PAYROLL DEDUCTIONS
TOTAL NET MONTHLY TAKE HOME PAY
Regular income from operation of business or profession or farm (Attach detailed stmt)
Income from real property
Interest and dividends
Alimony, maintenance or support payments payable to the debtor for the debtor's use or
that of dependents listed above
Social security or government assistance (Specify):

5.
6.
7.
8.
9.
10.

11.

12.
13.

14.
15.
16.

Pension or retirement income
Other monthly income (Specify):
a.
b.
c.
SUBTOTAL OF LINES 7 THROUGH 13
AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14)
COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15)

DEBTOR
$3,558.36
$0.00
$3,558.36

$249.47
$203.58
$47.62
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$500.67
$3,057.69
$0.00
$0.00
$0.00
$0.00

$0.00
$0.00

$0.00
$0.00
$0.00
$0.00
$3,057.69

$3,057.69

SPOUSE































Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:

17.
None.

(Report also on Summary of Schedules and, if applicable,
on Statistical Summary of Certain Liabilities and Related Data)

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 19 of 37

B6J (Official Form 6J) (12/07)

IN RE:

Cynthia Velez

Case No.

(if known)

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Complete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family at time case filed. Prorate any
payments made bi-weekly, quarterly, semi-annually, or annually to show monthly rate. The average monthly expenses calculated on this form may
differ from the deductions from income allowed on Form 22A or 22C.

Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of expenditures
labeled "Spouse."

1. Rent or home mortgage payment (include lot rented for mobile home)

a. Are real estate taxes included?
b. Is property insurance included?

Yes
Yes

No
No

2. Utilities:

a. Electricity and heating fuel
b. Water and sewer
c. Telephone
d. Other: cable/internet/phone
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:
c. Other:
d. Other:

14. Alimony, maintenance, and support paid to others:
15. Payments for support of add'l dependents not living at your home:
16. Regular expenses from operation of business, profession, or farm (attach detailed statement)
17.a. Other:
17.b. Other:
18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and,

if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)

$1,225.00

$90.00
$75.00
$150.00
$150.00
$25.00
$500.00
$50.00
$25.00
$35.00
$150.00
$100.00





$85.00



$350.91









$3,010.91

19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year following the filing of this
document:

None.

20. STATEMENT OF MONTHLY NET INCOME
a. Average monthly income from Line 15 of Schedule I
b. Average monthly expenses from Line 18 above
c. Monthly net income (a. minus b.)

$3,057.69
$3,010.91
$46.78

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 20 of 37

B6 Declaration (Official Form 6 - Declaration) (12/07)
In re

Cynthia Velez

Case No.

(if known)

DECLARATION CONCERNING DEBTOR'S SCHEDULES

DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR

I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of

sheets, and that they are true and correct to the best of my knowledge, information, and belief.

16

Date

6/25/2013

Date

Signature

/s/ Cynthia Velez
Cynthia Velez

Signature

[If joint case, both spouses must sign.]

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.

B7 (Official Form 7) (04/13)

In re:

Cynthia Velez

Case 13-25316-JKO Doc 1 Filed 06/27/13 Page 21 of 37

UNITED STATES BANKRUPTCY COURT
SOUTHERN DISTRICT OF FLORIDA

FORT LAUDERDALE DIVISION

Case No.

(if known)

STATEMENT OF FINANCIAL AFFAIRS

None

1. Income from employment or operation of business
State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's business,
including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar year to the date this
case was commenced. State also the gross amounts received during the TWO YEARS immediately preceding this calendar year. (A debtor that
maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may report fiscal year income. Identify the
beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for each spouse separately. (Married debtors filing
under chapter 12 or chapter 13 must state income of both spouses whether or not a joint petition is filed, unless the spouses are separated and a
joint petition is not filed.)

AMOUNT
$42,371.86

$17,654.94

$41,000.00

SOURCE
2012- IWS Acquisition Corp.

2013-IWS Acquisition Corp.

2011-IWS Acquisition Corp.

None

2. Income other than from employment or operation of business
State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business during the
TWO YEARS immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for each spouse
separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint petition is filed,
unless the spouses are separated and a joint petition is not filed.)

3. Payments to creditors
Complete a. or b., as appropriate, and c.

None

a. Individual or joint debtor(s) with primarily consumer debts: List all payments on loans, installment purchases of goods or services, and other
debts to any creditor made within 90 DAYS immediately preceding the commencement of this case unless the aggregate value of all property that
constitutes or is affected by such transfer is less than $600. Indicate with an asterisk (*) any payments that were made to a creditor on account
of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and credit
counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR
Region/AMS

DATES OF
PAYMENTS
4/13; 5/13

AMOUNT PAID
$360.00

AMOUNT STILL OWING
$6,231.00

None b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 DAYS immediately
preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such transfer is less than
$6,225*. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on account of a domestic support
obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and credit counseling agency.
(Married debtors filing under chapter 12 or chapter 13 must include payments and other transfers by either or both spouses whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)

* Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

None c. All debtors: List all payments made within ONE YEAR immediately preceding the commencement of this case to or for the benefit of creditors

who are or were insiders. (Married debtors filing u