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11-53376-swr Doc 12 Filed 05/24/11 Entered 05/24/11 17:00:41 Page 1 of 7

B22C (Official Form 22C) (Chapter 13) (12/10)In reMarilyn FesslerAccording to the calculations required by this statement:(cid:132)The applicable commitment period is 3 years.(cid:134)The applicable commitment period is 5 years.(cid:134)Disposable income is determined under § 1325(b)(3).(cid:132)Disposable income is not determined under § 1325(b)(3).(Check the boxes as directed in Lines 17 and 23 of this statement.)Case Number:Debtor(s)11-53376(If known)CHAPTER 13 STATEMENT OF CURRENT MONTHLY INCOMEAND CALCULATION OF COMMITMENT PERIOD AND DISPOSABLE INCOMEIn addition to Schedules I and J, this statement must be completed by every individual chapter 13 debtor, whether or not filing jointly. Joint debtorsmay complete one statement only.Part I. REPORT OF INCOME1Marital/filing status.Check the box that applies and complete the balance of this part of this statement as directed.a.(cid:132) Unmarried.Complete only Column A ("Debtor's Income") for Lines 2-10.b.(cid:134) Married.Complete both Column A ("Debtor's Income") and Column B ("Spouse's Income") for Lines 2-10.All figures must reflect average monthly income received from all sources, derived during the sixcalendar months prior to filing the bankruptcy case, ending on the last day of the month beforethe filing. If the amount of monthly income varied during the six months, you must divide thesix-month total by six, and enter the result on the appropriate line.Column ADebtor'sIncomeColumn BSpouse'sIncome2Gross wages, salary, tips, bonuses, overtime, commissions.$1,625.00$3Income from the operation of a business, profession, or farm.Subtract Line b from Line a andenter the difference in the appropriate column(s) of Line 3. If you operate more than one business,profession or farm, enter aggregate numbers and provide details on an attachment. Do not enter anumber less than zero.Do not include any part of the business expenses entered on Line b asa deduction in Part IV.$0.00$4Rents and other real property income. Subtract Line b from Line a and enter the difference inthe appropriate column(s) of Line 4. Do not enter a number less than zero.Do not include anypart of the operating expenses entered on Line b as a deduction in Part IV.$0.00$5Interest, dividends, and royalties.$0.00$6Pension and retirement income.$0.00$7Any amounts paid by another person or entity, on a regular basis, for the householdexpenses of the debtor or the debtor's dependents, including child support paid for thatpurpose. Do not include alimony or separate maintenance payments or amounts paid by thedebtor's spouse. Each regular payment should be reported in only one column; if a payment islisted in Column A, do not report that payment in Column B.$0.00$8Unemployment compensation. Enter the amount in the appropriate column(s) of Line 8.However, if you contend that unemployment compensation received by you or your spouse was abenefit under the Social Security Act, do not list the amount of such compensation in Column Aor B, but instead state the amount in the space below:$0.00$Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy0.00$c.Rent and other real property incomeSubtract Line b from Line a$0.00$b.Ordinary and necessary business expenses$0.00$c.Business incomeSubtract Line b from Line aDebtorSpousea.Gross receiptsDebtorSpouseUnemployment compensation claimed tobe a benefit under the Social Security ActDebtor $0.00Spouse $a.Gross receipts$0.00$b.Ordinary and necessary operating expenses$11-53376-swr Doc 12 Filed 05/24/11 Entered 05/24/11 17:00:41 Page 2 of 7

B22C (Official Form 22C) (Chapter 13) (12/10)29Income from all other sources. Specify source and amount. If necessary, list additional sourceson a separate page. Total and enter on Line 9.Do not include alimony or separatemaintenance payments paid by your spouse, but include all other payments of alimony orseparate maintenance. Do not include any benefits received under the Social Security Act orpayments received as a victim of a war crime, crime against humanity, or as a victim ofinternational or domestic terrorism.$0.00$10Subtotal. Add Lines 2 thru 9 in Column A, and, if Column B is completed, add Lines 2 through 9in Column B. Enter the total(s).$1,625.00$11Total. If Column B has been completed, add Line 10, Column A to Line 10, Column B, and enterthe total. If Column B has not been completed, enter the amount from Line 10, Column A.$1,625.00Part II. CALCULATION OF § 1325(b)(4) COMMITMENT PERIOD12Enter the amount from Line 11$1,625.0013Marital Adjustment.If you are married, but are not filing jointly with your spouse, AND if you contend thatcalculation of the commitment period under § 1325(b)(4) does not require inclusion of the income of your spouse,enter on Line 13 the amount of the income listed in Line 10, Column B that was NOT paid on a regular basis forthe household expenses of you or your dependents and specify, in the lines below, the basis for excluding thisincome (such as payment of the spouse's tax liability or the spouse's support of persons other than the debtor or thedebtor's dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustmentson a separate page. If the conditions for entering this adjustment do not apply, enter zero.Total and enter on Line 13$0.0014Subtract Line 13 from Line 12 and enter the result.$1,625.0015Annualized current monthly income for § 1325(b)(4).Multiply the amount from Line 14 by the number 12 andenter the result.$19,500.0016Applicable median family income.Enter the median family income for applicable state and household size. (Thisinformation is available by family size atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)$71,758.0017Application of § 1325(b)(4). Check the applicable box and proceed as directed.(cid:132)The amount on Line 15 is less than the amount on Line 16. Check the box for "The applicable commitment period is 3 years" at thetop of page 1 of this statement and continue with this statement.(cid:134)The amount on Line 15 is not less than the amount on Line 16. Check the box for "The applicable commitment period is 5 years"at the top of page 1 of this statement and continue with this statement.Part III. APPLICATION OF § 1325(b)(3) FOR DETERMINING DISPOSABLE INCOME18Enter the amount from Line 11.$1,625.0019Marital Adjustment.If you are married, but are not filing jointly with your spouse, enter on Line 19 the total ofany income listed in Line 10, Column B that was NOT paid on a regular basis for the household expenses of thedebtor or the debtor's dependents. Specify in the lines below the basis for excluding the Column B income(such aspayment of the spouse's tax liability or the spouse's support of persons other than the debtor or the debtor'sdependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments on aseparate page. If the conditions for entering this adjustment do not apply, enter zero.Total and enter on Line 19.$0.0020Current monthly income for § 1325(b)(3).Subtract Line 19 from Line 18 and enter the result.$1,625.00Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy$Debtora. Enter debtor's state of residence:MIb. Enter debtor's household size:4Spousea.a.$b.$c.a.$b.$c.$$$$b.$11-53376-swr Doc 12 Filed 05/24/11 Entered 05/24/11 17:00:41 Page 3 of 7

B22C (Official Form 22C) (Chapter 13) (12/10)321Annualized current monthly income for § 1325(b)(3).Multiply the amount from Line 20 by the number 12 andenter the result.$19,500.0022Applicable median family income.Enter the amount from Line 16.$71,758.0023Application of § 1325(b)(3). Check the applicable box and proceed as directed.(cid:134)The amount on Line 21 is more than the amount on Line 22. Check the box for "Disposable income is determined under §1325(b)(3)" at the top of page 1 of this statement and complete the remaining parts of this statement.(cid:132) The amount on Line 21 is not more than the amount on Line 22. Check the box for "Disposable income is not determined under §1325(b)(3)" at the top of page 1 of this statement and complete Part VII of this statement.Do not complete Parts IV, V, or VI.Part IV. CALCULATION OF DEDUCTIONS FROM INCOMESubpart A: Deductions under Standards of the Internal Revenue Service (IRS)24ANational Standards: food, apparel and services, housekeeping supplies, personal care, and miscellaneous.Enter in Line 24A the "Total" amount from IRS National Standards for Allowable Living Expenses for theapplicable number of persons. (This information is available atwww.usdoj.gov/ust/ or from the clerk of thebankruptcy court.) The applicable number of persons is the number that would currently be allowed as exemptionson your federal income tax return, plus the number of any additional dependents whom you support.$24BNational Standards: health care.Enter in Line a1 below the amount from IRS National Standards forOut-of-Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards forOut-of-Pocket Health Care for persons 65 years of age or older. (This information is available atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) Enter in Line b1 the applicable number of personswho are under 65 years of age, and enter in Line b2 the applicable number of persons who are 65 years of age orolder. (The applicable number of persons in each age category is the number in that category that would currentlybe allowed as exemptions on your federal income tax return, plus the number of any additional dependents whomyou support.) Multiply Line a1 by Line b1 to obtain a total amount for persons under 65, and enter the result inLine c1. Multiply Line a2 by Line b2 to obtain a total amount for persons 65 and older, and enter the result in Linec2. Add Lines c1 and c2 to obtain a total health care amount, and enter the result in Line 24B.$25ALocal Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing andUtilities Standards; non-mortgage expenses for the applicable county and family size. (This information isavailable atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court). The applicable family size consists ofthe number that would currently be allowed as exemptions on your federal income tax return, plus the number ofany additional dependents whom you support.$25BLocal Standards: housing and utilities; mortgage/rent expense.Enter, in Line a below, the amount of the IRSHousing and Utilities Standards; mortgage/rent expense for your county and family size (this information isavailable atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court) (the applicable family size consists ofthe number that would currently be allowed as exemptions on your federal income tax return, plus the number ofany additional dependents whom you support); enter on Line b the total of the Average Monthly Payments for anydebts secured by your home, as stated in Line 47; subtract Line b from Line a and enter the result in Line 25B.Donot enter an amount less than zero.$26Local Standards: housing and utilities; adjustment.If you contend that the process set out in Lines 25A and25B does not accurately compute the allowance to which you are entitled under the IRS Housing and UtilitiesStandards, enter any additional amount to which you contend you are entitled, and state the basis for yourcontention in the space below:$Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyPersons under 65 years of agePersons 65 years of age or oldera1.Allowance per persona2.Allowance per persona.IRS Housing and Utilities Standards; mortgage/rent expense$b.Average Monthly Payment for any debts secured by yourhome, if any, as stated in Line 47$c.Net mortgage/rental expenseSubtract Line b from Line a.b1.Number of personsb2.Number of personsc1.Subtotalc2.Subtotal11-53376-swr Doc 12 Filed 05/24/11 Entered 05/24/11 17:00:41 Page 4 of 7

B22C (Official Form 22C) (Chapter 13) (12/10)427ALocal Standards: transportation; vehicle operation/public transportation expense.You are entitled to anexpense allowance in this category regardless of whether you pay the expenses of operating a vehicle andregardless of whether you use public transportation.Check the number of vehicles for which you pay the operating expenses or for which the operating expenses areincluded as a contribution to your household expenses in Line 7.(cid:134) 0(cid:134) 1(cid:134) 2 or more.If you checked 0, enter on Line 27A the "Public Transportation" amount from IRS Local Standards:Transportation. If you checked 1 or 2 or more, enter on Line 27A the "Operating Costs" amount from IRS LocalStandards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area orCensus Region. (These amounts are available atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)$27BLocal Standards: transportation; additional public transportation expense.If you pay the operating expensesfor a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction foryour public transportation expenses, enter on Line 27B the "Public Transportation" amount from the IRS LocalStandards: Transportation. (This amount is available atwww.usdoj.gov/ust/ or from the clerk of the bankruptcycourt.)$28Local Standards: transportation ownership/lease expense; Vehicle 1.Check the number of vehicles for whichyou claim an ownership/lease expense. (You may not claim an ownership/lease expense for more than twovehicles.)(cid:134) 1(cid:134) 2 or more.Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation(available atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the AverageMonthly Payments for any debts secured by Vehicle 1, as stated in Line 47; subtract Line b from Line a and enterthe result in Line 28.Do not enter an amount less than zero.$29Local Standards: transportation ownership/lease expense; Vehicle 2.Complete this Line only if you checkedthe "2 or more" Box in Line 28.Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation(available atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the AverageMonthly Payments for any debts secured by Vehicle 2, as stated in Line 47; subtract Line b from Line a and enterthe result in Line 29.Do not enter an amount less than zero.$30Other Necessary Expenses: taxes.Enter the total average monthly expense that you actually incur for all federal,state, and local taxes, other than real estate and sales taxes, such as income taxes, self employment taxes, socialsecurity taxes, and Medicare taxes.Do not include real estate or sales taxes.$31Other Necessary Expenses: involuntary deductions for employment.Enter the total average monthlydeductions that are required for your employment, such as mandatory retirement contributions, union dues, anduniform costs.Do not include discretionary amounts, such as voluntary 401(k) contributions.$32Other Necessary Expenses: life insurance.Enter total average monthly premiums that you actually pay for termlife insurance for yourself.Do not include premiums for insurance on your dependents, for whole life or forany other form of insurance.$33Other Necessary Expenses: court-ordered payments.Enter the total monthly amount that you are required topay pursuant to the order of a court or administrative agency, such as spousal or child support payments.Do notinclude payments on past due obligations included in line 49.$34Other Necessary Expenses: education for employment or for a physically or mentally challenged child. Enterthe total average monthly amount that you actually expend for education that is a condition of employment and foreducation that is required for a physically or mentally challenged dependent child for whom no public educationproviding similar services is available.$35Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend onchildcare - such as baby-sitting, day care, nursery and preschool.Do not include other educational payments.$36Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend onhealth care that is required for the health and welfare of yourself or your dependents, that is not reimbursed byinsurance or paid by a health savings account, and that is in excess of the amount entered in Line 24B.Do notinclude payments for health insurance or health savings accounts listed in Line 39.$Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.comBest Case Bankruptcya.IRS Transportation Standards, Ownership Costs$b.Average Monthly Payment for any debts secured by Vehicle2, as stated in Line 47$c.Net ownership/lease expense for Vehicle 2Subtract Line b from Line a.b.Average Monthly Payment for any debts secured by Vehicle1, as stated in Line 47$c.Net ownership/lease expense for Vehicle 1Subtract Line b from Line a.a.IRS Transportation Standards, Ownership Costs$11-53376-swr Doc 12 Filed 05/24/11 Entered 05/24/11 17:00:41 Page 5 of 7

B22C (Official Form 22C) (Chapter 13) (12/10)537Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that youactually pay for telecommunication services other than your basic home telephone and cell phone service - such aspagers, call waiting, caller id, special long distance, or internet service-to the extent necessary for your health andwelfare or that of your dependents.Do not include any amount previously deducted.$38Total Expenses Allowed under IRS Standards. Enter the total of Lines 24 through 37.$Subpart B: Additional Living Expense DeductionsNote: Do not include any expenses that you have listed in Lines 24-3739Health Insurance, Disability Insurance, and Health Savings Account Expenses.List the monthly expenses inthe categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or yourdependents.Total and enter on Line 39$If you do not actually expend this total amount,state your actual total average monthly expenditures in the spacebelow:$40Continued contributions to the care of household or family members. Enter the total average actual monthlyexpenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronicallyill, or disabled member of your household or member of your immediate family who is unable to pay for suchexpenses.Do not include payments listed in Line 34.$41Protection against family violence. Enter the total average reasonably necessary monthly expenses that youactually incur to maintain the safety of your family under the Family Violence Prevention and Services Act or otherapplicable federal law. The nature of these expenses is required to be kept confidential by the court.$42Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS LocalStandards for Housing and Utilities that you actually expend for home energy costs.You must provide your casetrustee with documentation of your actual expenses, and you must demonstrate that the additional amountclaimed is reasonable and necessary.$43Education expenses for dependent children under 18.Enter the total average monthly expenses that youactually incur, not to exceed $147.92 per child, for attendance at a private or public elementary or secondaryschool by your dependent children less than 18 years of age.You must provide your case trustee withdocumentation of your actual expenses, and you must explain why the amount claimed is reasonable andnecessary and not already accounted for in the IRS Standards.$44Additional food and clothing expense.Enter the total average monthly amount by which your food and clothingexpenses exceed the combined allowances for food and clothing (apparel and services) in the IRS NationalStandards, not to exceed 5% of those combined allowances. (This information is available atwww.usdoj.gov/ust/or from the clerk of the bankruptcy court.)You must demonstrate that the additional amount claimed isreasonable and necessary.$45Charitable contributions.Enter the amount reasonably necessary for you to expend each month on charitablecontributions in the form of cash or financial instruments to a charitable organization as defined in 26 U.S.C. §170(c)(1)-(2).Do not include any amount in excess of 15% of your gross monthly income.$46Total Additional Expense Deductions under § 707(b). Enter the total of Lines 39 through 45.$Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyHealth Insurance$b.Disability Insurance$c.Health Savings Account$a.11-53376-swr Doc 12 Filed 05/24/11 Entered 05/24/11 17:00:41 Page 6 of 7

B22C (Official Form 22C) (Chapter 13) (12/10)6Subpart C: Deductions for Debt Payment47Future payments on secured claims. For each of your debts that is secured by an interest in property that youown, list the name of creditor, identify the property securing the debt, state the Average Monthly Payment, andcheck whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all amountsscheduled as contractually due to each Secured Creditor in the 60 months following the filing of the bankruptcycase, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the Average MonthlyPayments on Line 47.Name of CreditorProperty Securing the DebtAverageMonthlyPaymentDoes paymentinclude taxesor insurancea.$(cid:134)yes(cid:134)noTotal: Add Lines$48Other payments on secured claims. If any of debts listed in Line 47 are secured by your primary residence, amotor vehicle, or other property necessary for your support or the support of your dependents, you may include inyour deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to thepayments listed in Line 47, in order to maintain possession of the property. The cure amount would include anysums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts inthe following chart. If necessary, list additional entries on a separate page.Name of CreditorProperty Securing the Debt1/60th of the Cure Amounta.$Total: Add Lines$49Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such aspriority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy filing.Donot include current obligations, such as those set out in Line 33.$50Chapter 13 administrative expenses. Multiply the amount in Line a by the amount in Line b, and enter theresulting administrative expense.$51Total Deductions for Debt Payment.Enter the total of Lines 47 through 50.$Subpart D: Total Deductions from Income52Total of all deductions from income. Enter the total of Lines 38, 46, and 51.$Part V. DETERMINATION OF DISPOSABLE INCOME UNDER § 1325(b)(2)53Total current monthly income.Enter the amount from Line 20.$54Support income.Enter the monthly average of any child support payments, foster care payments, or disabilitypayments for a dependent child, reported in Part I, that you received in accordance with applicable nonbankruptcylaw, to the extent reasonably necessary to be expended for such child.$55Qualified retirement deductions.Enter the monthly total of (a) all amounts withheld by your employer fromwages as contributions for qualified retirement plans, as specified in § 541(b)(7) and (b) all required repayments ofloans from retirement plans, as specified in § 362(b)(19).$56Total of all deductions allowed under § 707(b)(2).Enter the amount from Line 52.$Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.comBest Case Bankruptcya.Projected average monthly Chapter 13 plan payment.$b.Current multiplier for your district as determined under schedulesissued by the Executive Office for United States Trustees. (Thisinformation is available atwww.usdoj.gov/ust/ or from the clerk ofthe bankruptcy court.)xc.Average monthly administrative expense of chapter 13 caseTotal: Multiply Lines a and b11-53376-swr Doc 12 Filed 05/24/11 Entered 05/24/11 17:00:41 Page 7 of 7

B22C (Official Form 22C) (Chapter 13) (12/10)757Deduction for special circumstances.If there are special circumstances that justify additional expenses for whichthere is no reasonable alternative, describe the special circumstances and the resulting expenses in lines a-c below.If necessary, list additional entries on a separate page. Total the expenses and enter the total in Line 57.You mustprovide your case trustee with documentation of these expenses and you must provide a detailed explanationof the special circumstances that make such expense necessary and reasonable.$58Total adjustments to determine disposable income.Add the amounts on Lines 54, 55, 56, and 57 and enter theresult.$59Monthly Disposable Income Under § 1325(b)(2). Subtract Line 58 from Line 53 and enter the result.$Part VI. ADDITIONAL EXPENSE CLAIMS60Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfareof you and your family and that you contend should be an additional deduction from your current monthly income under §707(b)(2)(A)(ii)(I). If necessary, list additional sources on a separate page. All figures should reflect your average monthly expense foreach item. Total the expenses.Part VII. VERIFICATION61I declare under penalty of perjury that the information provided in this statement is true and correct.(If this is a joint case, both debtorsmust sign.)Marilyn Fessler(Debtor)Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.comBest Case Bankruptcyb.$c.$Expense DescriptionMonthly Amounta.$b.$c.$d.$Total: Add Lines a, b, c and d$Total: Add LinesNature of special circumstancesDate:May 24, 2011Signature:/s/ Marilyn FesslerAmount of Expensea.$