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Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

B1 (Official Form 1) (4/13)

Document Page 1 of 44

United States Bankruptcy Court
DISTRICT OF MINNESOTA

Voluntary Petition

Name of Debtor

(if individual, enter Last, First, Middle):

Name of Joint Debtor

(Spouse)(Last, First, Middle):

Paro, Justin Paul
All Other Names used by the Debtor in the last 8 years
(include married, maiden, and trade names):
NONE

Last four digits of Soc. Sec. or Indvidual-Taxpayer I.D. (ITIN) No./Complete EIN
(if more than one, state all): 5263
Street Address of Debtor
3252 Bloomington Ave. #1
Minneapolis, MN

(No. & Street, City, and State):

ZIPCODE
55407

County of Residence or of the
Principal Place of Business:
Mailing Address of Debtor
SAME

(if different from street address):

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

NOT APPLICABLE

ZIPCODE

Type of Debtor
(Check

(Form of organization)

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:

_____________________________________

Nature of Business

one box.)
(Check
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).

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 Offi cial Form 3B.

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 Indvidual-Taxpayer I.D. (ITIN) No./Complete EIN
(if more than one, state all):
Street Address of Joint Debtor

(No. & Street, City, and State):

County of Residence or of the
Principal Place of Business:
Mailing Address of Joint Debtor

(if different from street address):

ZIPCODE

ZIPCODE

ZIPCODE

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 household purpose"

Chapter 11 Debtors:

Debts are primarily
business debts.

Check one box:

Debtor is a small business 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 less than $2,490,925
on 4/01/16 and every three years thereafter).

(amount subject to adjustment

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
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).

Statistical/Administrative Information

THIS SPACE IS FOR COURT USE ONLY

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

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

Estimated Assets

$0 to
$50,000

$50,001 to
$100,000

$100,001 to
$500,000

Estimated Liabilities

$0 to
$50,000

$50,001 to
$100,000

$100,001 to
$500,000

$500,001
to $1
million

$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

$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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

FORM B1, Page

2

B1 (Official Form 1) (4/13)
Voluntary Petition
(This page must be completed and filed in every case)

Document Page 2 of 44

Name of Debtor(s):

Justin Paul Paro

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
Name of Debtor:
NONE
District:

Relationship:

Case Number:

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

(If more than one, attach additional sheet)

Date Filed:

Judge:

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

/s/ Glenn Schwartz
Signature of Attorney for Debtor(s)

04/18/2013

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

Exhibit C

(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

Exhibit D, completed and signed by the debtor, is attached and made 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.

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 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 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.

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

FORM B1, Page

3

B1 (Official Form 1) (4/13)
Voluntary Petition

Document Page 3 of 44

Name of Debtor(s):

(This page must be completed and filed in every case)

Justin Paul Paro

Signatures

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/ Justin Paul Paro
Signature of Debtor

X

X

Signature of Joint Debtor

Telephone Number (if not represented by attorney)

04/18/2013
Date

Signature of Attorney*

/s/ Glenn Schwartz
Signature of Attorney for Debtor(s)
Glenn Schwartz 333360
Printed Name of Attorney for Debtor(s)
Glenn Schwartz
Firm Name
7825 Washington Ave. So.
Address
Suite 500
Minneapolis, MN 55439
952 943 3955
Telephone Number
04/18/2013
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 the 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

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
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 petition preparer or officer, principal,
responsible person, or partner whose Social-Security number is provided
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.

B 1D (Official Form 1, Exhibit D) (12/09)

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 4 of 44

UNITED STATES BANKRUPTCY COURT

DISTRICT OF MINNESOTA

In re

Justin Paul Paro

Debtor(s)

Case No.

(if known)

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT

WARNING: You must be able to check truthfully one of the five statements regarding credit counseling listed below. If you cannot

do so, you are not eligible to file a bankruptcy case, and the court can dismiss any case you do file. If that happens, you will lose
whatever filing fee you paid, and your creditors will be able to resume collection activities against you. If your case is dismissed and
you file another bankruptcy case later, you may be required to pay a second filing fee and you may have to take extra steps to stop
creditors' collection activities.

Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete and file a separate

Exhibit D. Check one of the five statements below and attach any documents as directed.

1. Within the 180 days

before the filing of my bankruptcy case,

I received a briefing from a credit counseling

agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit
counseling and assisted me in performing a related budget analysis, and I have a certificate from the agency describing the
services provided to me. Attach a copy of the certificate and a copy of any debt repayment plan developed through the agency.

2. Within the 180 days before the filing of my bankruptcy case,

I received a briefing from a credit counseling

agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit
counseling and assisted me in performing a related budget analysis, but I do not have a certificate from the agency describing
the services provided to me.
a copy of any debt repayment plan developed through the agency no later than 14 days after your bankruptcy case is filed.

You must file a copy of a certificate from the agency describing the services provided to you and

3. I certify that I requested credit counseling services from an approved agency but was unable to obtain the

services during the seven days from the time I made my request, and the following exigent circumstances merit a temporary waiver
of the credit counseling requirement so I can file my bankruptcy case now.
[Summarize exigent circumstances here.]

If your certification is satisfactory to the court, you must still obtain the credit counseling briefing within the first 30 days after you
file your bankruptcy petition and promptly file a certificate from the agency that provided the counseling, together with a copy of any
debt management plan developed through the agency. Failure to fulfill these requirements may result in dismissal of your case.
Any extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days. Your case may also be
dismissed if the court is not satisfied with your reasons for filing your bankruptcy case without first receiving a credit counseling
briefing.

B 1D (Official Form 1, Exhibit D) (12/09)

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 5 of 44

4. I am not required to receive a credit counseling briefing because of:

[Check the applicable statement]

[Must be accompanied by a motion for determination by the court.]

Incapacity. (Defined in 11 U.S.C. § 109 (h)(4) as impaired by reason of mental illness or mental deficiency

so as to be incapable of realizing and making rational decisions with respect to financial responsibilities.);

Disability. (Defined in 11 U.S.C. § 109 (h)(4) as physically impaired to the extent of being unable, after
reasonable effort, to participate in a credit counseling briefing in person, by telephone, or through the Internet.);

Active military duty in a military combat zone.

5. The United States trustee or bankruptcy administrator has determined that the credit counseling requirement

of 11 U.S.C. § 109(h) does not apply in this district.

I certify under penalty of perjury that the information provided above is true and correct.

Signature of Debtor:

/s/ Justin Paul Paro

Date:

04/18/2013

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 6 of 44

B22A (Official Form 22A) (Chapter 7) (4/13)

In re

Justin Paro

Case Number:

Debtor(s)

(If known)

According to the information required to be entered on this

statement (check one box as directed in Part I, III, or VI of this

The presumption arises.
The presumption does not arise.
The presumption is temporarily inapplicable.

(Check the box as directed in Parts I, III, and VI of this statement.)

CHAPTER 7 STATEMENT OF CURRENT MONTHLY INCOME

AND MEANS-TEST CALCULATION

In addition to Schedules I and J, this statement must be completed by every individual chapter 7 debtor. If none of the exclusions in Part I
applies, joint debtors may complete one statement only. If any of the exclusions in Part I applies, joint debtors should complete separate
statements if they believe this is required by § 707(b)(2)(C).

Part I. MILITARY AND NON-CONSUMER DEBTORS

Disabled Veterans.
If you are a disabled veteran described in the Declaration in this Part IA, (1) check the box at the beginning
of the Declaration, (2) check the box for "The presumption does not arise" at the top of this statement, and (3) complete the
verification in Part VIII. Do not complete any of the remaining parts of this statement.

Declaration of Disabled Veteran.

By checking this box, I declare under penalty of perjury that I am a disabled veteran (as
defined in 38 U.S.C. § 3741(1)) whose indebtedness occurred primarily during a period in which I was on active duty (as
defined in 10 U.S.C. § 101(d)(1)) or while I was performing a homeland defense activity (as defined in 32 U.S.C. §901(1)).

Non-consumer Debtors.
If your debts are not primarily consumer debts, check the box below and complete the verification in
Part VIII. Do not complete any of the remaining parts of this statement.

1A

1B

Declaration of non-consumer debts.

By checking this box, I declare that my debts are not primarily consumer debts.

Reservists and National Guard Members; active duty or homeland defense activity.
Members of a reserve component of the
Armed Forces and members of the National Guard who were called to active duty (as defined in 10 U.S.C. § 101(d)(1)) after
September 11, 2001, for a period of at least 90 days, or who have performed homeland defense activity (as defined in 32 U.S.C. §
901(1)) for a period of at least 90 days, are excluded from all forms of means testing during the time of active duty or homeland
defense activity and for 540 days thereafter (the “exclusion period”). If you qualify for this temporary exclusion, (1) check the
appropriate boxes and presumption is temporarily inapplicable” at the top of this statement, and (3) complete the verification in Part
VIII. complete any required information in the Declaration of Reservists and National Guard Members below, (2) check the box for
“The presumption is temporarily inapplicable” at the top of this statement, and (3) complete the verification in Part VIII.
During your exclusion period you are not required to complete the balance of this form, but you must complete
the form no later than 14 days after the date on which your exclusion period ends, unless the time for filing a
motion raising the means test presumption expires in your case before your exclusion period ends.

1C

Declaration of Reservists and National Guard Members.

By checking this box and making the appropriate entries below, I
declare that I am eligible for a temporary exclusion from means testing because, as a member of a reserve component of the
Armed Forces or the National Guard

a.

b.

I was called to active duty after September 11, 2001, for a period of at least 90 days and

I remain on active duty /or/
I was released from active duty on ________, which is less than 540 days before this bankruptcy case was filed;

OR

I am performing homeland defense activity for a period of at least 90 days /or/
I performed homeland defense activity for a period of at least 90 days, terminating on _______, which is less than 540
days before this bankruptcy case was filed.

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

B22A (Official Form 22A) (Chapter 7) (4/13)

- Cont

Document Page 7 of 44

2

Part II. CALCULATION OF MONTHLY INCOME FOR § 707(b)(7) EXCLUSION

Check the box that applies and complete the balance of this part of this statement as directed.

Unmarried. Complete only Column A ("Debtor’s Income") for Lines 3-11.
Married, not filing jointly, with declaration of separate households. By checking this box, debtor declares under

Marital/filing status.
a.
b.

penalty of perjury: "My spouse and I are legally separated under applicable non-bankruptcy law or my spouse and I are
living apart other than for the purpose of evading the requirements of § 707(b)(2)(A) of the Bankruptcy Code."
Complete only Column A ("Debtor’s Income") for Lines 3-11.

2

3

4

5

6

7

8

9

c.

d.

Married, not filing jointly, without the declaration of separate households set out in Line 2.b above.

Column A ("Debtor’s Income") and Column B ("Spouse’s Income") for Lines 3-11.

Complete both

Married, filing jointly. Complete both Column A ("Debtor’s Income") and Column B ("Spouse’s Income") for

Lines 3-11.

All figures must reflect average monthly income received from all sources, derived during the six
calendar months prior to filing the bankruptcy case, ending on the last day of the month before the filing.
If the amount of monthly income varied during the six months, you must divide the six month total by six,
and enter the result on the appropriate line.

Gross wages, salary, tips, bonuses, overtime, commissions.

Income from the operation of a business, profession, or farm.
Subtract Line b from Line a and enter the
difference in the appropriate column(s) of Line 4. If you operate more than one business, profession or
farm, enter aggregate numbers and provide details on an attachment. Do not enter a number less than zero.
Do not include any part of the business expenses entered on Line b as a deduction in Part V.

a.
b.
c.

Gross receipts
Ordinary and necessary business expenses
Business income

$0.00
$0.00
Subtract Line b from Line a

Rent and other real property income.
in the appropriate column(s) of Line 5. Do not enter a number less than zero.
any part of the operating expenses entered on Line b as a deduction in Part V.

Subtract Line b from Line a and enter the difference
Do not include

a.
b.
c.

Gross receipts
Ordinary and necessary operating expenses
Rent and other real property income

$0.00
$0.00
Subtract Line b from Line a

Interest, dividends, and royalties.

Pension and retirement income.

Any amounts paid by another person or entity, on a regular basis, for the household expenses of
the debtor or the debtor's dependents, including child support paid for that purpose.
Do not include alimony or separate maintenance payments or amounts paid by your spouse if Column B is
completed. Each regular payment should be reported in only one column; if a payment is listed in Column A,
do not report that payment in Column B.

Unemployment compensation.
However, if you contend that unemployment compensation received by you or your spouse
was a benefit under the Social Security Act, do not list the amount of such compensation in
Column A or B, but instead state the amount in the space below:

Enter the amount in the appropriate column(s) of Line 9.

Column A Column B

Debtor's
Income
$5,600.00

Spouse's
Income

$

$0.00

$

$0.00

$0.00

$0.00

$0.00

$

$

$

$

Unemployment compensation claimed to
be a benefit under the Social Security Act

Debtor ________

$0.00

Spouse _________

$

$0.00

$

10

Income from all other sources.
Do not include alimony or separate maintenance payments paid by your spouse
separate page.
if Column B is completed, but include all other payments of alimony or separate maintenance.
Do not include any benefits received under the Social Security Act or payments received as a victim of a war
crime, crime against humanity, or as a victim of international or domestic terrorism.

Specify source and amount. If necessary, list additional sources on a

a.

b.

Total and enter on Line 10

0

0

11

Subtotal of Current Monthly Income for § 707(b)(7).
Column A, and, if Column B is completed, add Lines 3 through 10 in Column B. Enter the
total(s).

Add Lines 3 thru 10 in

$0.00

$5,600.00

$

$

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

B22A (Official Form 22A) (Chapter 7) (4/13)

- Cont
Total Current Monthly Income for § 707(b)(7).
add Line 11, Column A to Line 11, Column B, and enter the total. If Column B has not been
completed, enter the amount from Line 11, Column A.

If Column B has been completed,

Document Page 8 of 44

3

$5,600.00

$67,200.00

$63,654.00

12

13

14

15

Part III. APPLICATION OF § 707(b)(7) EXCLUSION

Annualized Current Monthly Income for § 707(b)(7).
the number 12 and enter the result.
Applicable median family income.
household size. (This information is available by family size at
the bankruptcy court.)
a. Enter debtor’s state of residence: ______________________ b. Enter debtor’s household size: __________

Enter the median family income for the applicable state and

www.usdoj.gov/ust/ or from the clerk of

Multiply the amount from Line 12 by

MINNESOTA

2

Application of Section 707(b)(7). Check the applicable box and proceed as directed.

The amount on Line 13 is less than or equal to the amount on Line 14.

Check the box for "The presumption does

not arise" at the top of page 1 of this statement, and complete Part VIII; do not complete Parts IV, V, VI, or VII.

The amount on Line 13 is more than the amount on Line 14. Complete the remaining parts of this

statement.

Complete Parts IV, V, VI, and VII of this statement only if required. (See Line 15).
Part IV. CALCULATION OF CURRENT MONTHLY INCOME FOR § 707(b)(2)

16

Enter the amount from Line 12.

$5,600.00

Marital adjustment. If you checked the box at Line 2.c, enter on Line 17 the total of any income listed in Line 11,
Column B that was NOT paid on a regular basis for the household expenses of the debtor or the debtor’s
dependents. Specify in the lines below the basis for excluding the Column B income (such as payment of the
spouse’s tax liability or the spouse’s support of persons other than the debtor or the debtor’s dependents) and
the amount of income devoted to each purpose. If necessary, list additional adjustments on a separate page. If
you did not check box at Line 2.c, enter zero.

17

a.

b.

c.

$0.00

$0.00

$0.00

Total and enter on Line 17

18

Current monthly income for § 707(b)(2). Subtract Line 17 from Line 16 and enter the result.

Part V. CALCULATION OF DEDUCTIONS FROM INCOME

Subpart A: Deductions under Standards of the Internal Revenue Service (IRS)

19A

National Standards: food, clothing, and other items. Enter in Line 19A the “Total” amount from IRS National
Standards for Food, Clothing and Other Items for the applicable number of persons. (This information is available
at or from the clerk of the bankruptcy court.) The applicable number of persons is the
number that would currently be allowed as exemptions on your federal income tax return, plus the number of
any additional dependents whom you support.

www.usdoj.gov/ust/

$0.00

$5,600.00

$1,029.00

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 9 of 44

- Cont
Enter in Line a1 below the amount from IRS National Standards for Out-of-Pocket

B22A (Official Form 22A) (Chapter 7) (4/13)
National Standards: health care.
Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards for Out-of-Pocket
Health Care for persons 65 years of age or older. (This information is available at or
from the clerk of the bankruptcy court.) Enter in Line b1 the applicable number of persons who are under 65
years of age, and enter in Line b2 the applicable number of persons who are 65 years of age or older. (The
applicable number of persons in each age category is the number in that category that would currently be
allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom
you support.) Multiply Line a1 by Line b1 to obtain a total amount for persons under 65, and enter the result in
Line c1. Multiply Line a2 by Line b2 to obtain a total amount for persons 65 and older, and enter the result in Line
c2. Add Lines c1 and c2 to obtain a total health care amount, and enter the result in Line 19B.

www.usdoj.gov/ust/

4

$60.00

$493.00

19B

20A

20B

21

22A

22B

Household members under 65 years of age

Household members 65 years of age or older

a1.

b1.
c1.

Allowance per member
Number of members
Subtotal

$60.00
1
$60.00

a2.

b2.
c2.

Allowance per member
Number of members
Subtotal

$144.00
0
$0.00

Local Standards: housing and utilities; non-mortgage expenses.
IRS Housing and Utilities Standards; non-mortgage expenses for the applicable county and family size. (This
information is available at or from the clerk of the bankruptcy court). The applicable family
size consists of the number that would currently be allowed as exemptions on your federal income tax return,
plus the number of any additional dependents whom you support.

Enter the amount of the

www.usdoj.gov/ust/

www.usdoj.gov/ust/

Local Standards: housing and utilities; mortgage/rent expenses.
Enter, in Line a below, the amount of the IRS
Housing and Utilities Standards; mortgage/rent expense for your county and family size (this information is available
at or from the clerk of the bankruptcy court) (the applicable family size consists of the
number that would currently be allowed as exemptions on your federal income tax return, plus the number of any
additional dependents whom you support); enter on Line b the total of the Average Monthly Payments for any debts
secured by your home, as stated in Line 42; subtract Line b from Line a and enter the result in Line 20B.
Do not enter an amount less than zero.

a.
b.

c.

IRS Housing and Utilities Standards; mortgage/rental expense
Average Monthly Payment for any debts secured by your
home, if any, as stated in Line 42
Net mortgage/rental expense

$1,520.00

$0.00
Subtract Line b from Line a.

$1,520.00

Local Standards: housing and utilities; adjustment.
If you contend that the process set out in
Lines 20A and 20B does not accurately compute the allowance to which you are entitled under the IRS
Housing and Utilities Standards, enter any additional amount to which you contend you are entitled, and
state the basis for your contention in the space below:

Local Standards: transportation; vehicle operation/public transportation expense.
You are entitled to an expense allowance in this category regardless of whether you pay the expenses of
operating a vehicle and regardless of whether you use public transportation.
Check the number of vehicles for which you pay the operating expenses or for which the operating
expenses are included as a contribution to your household expenses in Line 8.

0

1

2 or more.

If you checked 0, enter on Line 22A the “Public Transportation” amount from IRS Local Standards: Transportation. If
you checked 1 or 2 or more, enter on Line 22A the “Operating Costs” amount from IRS Local Standards:
Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area or Census
Region. (These amounts are available at or from the clerk of the bankruptcy court.)

www.usdoj.gov/ust/

Local Standards: transportation; additional public transportation expense.
for a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction
for your public transportation expenses, enter on Line 22B the “Public Transportation” amount from IRS Local
Standards: Transportation. (This amount is available at or from the clerk of the bankruptcy

www.usdoj.gov/ust/

If you pay the operating expenses

$0.00

$216.00

$0.00

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Document Page 10 of 44

5

$0.00

$0.00

$1,767.00

$265.00

$0.00

$1,000.00

$0.00

$0.00

$0.00

$0.00

$6,350.00

B22A (Official Form 22A) (Chapter 7) (4/13)

- Cont

Local Standards: transportation ownership/lease expense; Vehicle 1.
of vehicles for which you claim an ownership/lease expense. (You may not claim an ownership/lease
expense for more than two vehicles.)

Check the number

1

2 or more.

Enter, in Line a below, the “Ownership Costs” for “One Car” from the IRS Local Standards: Transportation
(available at or from the clerk of the bankruptcy court); enter in Line b the total of the Average
Monthly Payments for any debts secured by Vehicle 1, as stated in Line 42; subtract Line b from
Line a and enter the result in Line 23.

Do not enter an amount less than zero.

www.usdoj.gov/ust/

a.
b.

c.

IRS Transportation Standards, Ownership Costs
Average Monthly Payment for any debts secured by Vehicle 1,
as stated in Line 42
Net ownership/lease expense for Vehicle 1

$0.00

$0.00
Subtract Line b from Line a.

Local Standards: transportation ownership/lease expense; Vehicle 2.
Complete this Line only if you checked the "2 or more" Box in Line 23.
Enter, in Line a below, the “Ownership Costs” for “One Car” from the IRS Local Standards: Transportation
(available at or from the clerk of the bankruptcy court); enter in Line b the total of
the Average Monthly Payments for any debts secured by Vehicle 2, as stated in Line 42; subtract Line b
from Line a and enter the result in Line 24.

Do not enter an amount less than zero.

www.usdoj.gov/ust/

a.
b.

c.

IRS Transportation Standards, Ownership Costs
Average Monthly Payment for any debts secured by Vehicle 2,
as stated in Line 42
Net ownership/lease expense for Vehicle 2

$0.00

$0.00
Subtract Line b from Line a.

Other 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
Do not include real estate or sales
employment taxes, social-security taxes, and Medicare taxes.
taxes.
Other Necessary Expenses: mandatory payroll deductions for employment.
payroll deductions that are required for your employment, such as retirement contributions, union dues, and uniform costs.
Do not include discretionary amounts, such as voluntary 401(k) contributions.

Enter the total average monthly

Enter total average monthly premiums that you actually

Do not include premiums for insurance on your dependents,

Other Necessary Expenses: life insurance.
pay for term life insurance for yourself.
for whole life or for any other form of insurance.
Other Necessary Expenses: court-ordered payments.
to pay pursuant to the order of a court or administrative agency, such as spousal or child support payments.
Do not include payments on past due support obligations included in Line 44.
Other Necessary Expenses: education for employment or for a physically or mentally
challenged child.
condition of employment and for education that is required for a physically or mentally challenged dependent
child for whom no public education providing similar services is available.

Enter the total average monthly amount that you actually expend for education that is a

Enter the total monthly amount that you are required

Enter the total average monthly amount that you actually expend on

Other Necessary Expenses: childcare.
childcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments.
Other Necessary Expenses: health care.
care that is required for the health and welfare of yourself or your dependents, that is not reimbursed by insurance or
paid by a health savings account, and that is in excess of the amount entered in Line 19B.
Do not include payments for health insurance or health savings accounts listed in Line 34.
Other Necessary Expenses: telecommunication services.
actually pay for telecommunication services other than your basic home telephone and cell phone service -- such as
pagers, call waiting, caller id, special long distance, or internet service -- to the extent necessary for your health
and welfare or that of your dependents.

Do not include any amount previously deducted.

Enter the total average monthly amount that you

Enter the total average monthly amount that you actually expend on health

Total Expenses Allowed under IRS Standards. Enter the total of Lines 19 through 32

23

24

25

26

27

28

29

30

31

32

33

B22A (Official Form 22A) (Chapter 7) (4/13)

- Cont

Subpart B: Additional Living Expense Deductions

Note: Do not include any expenses that you have listed in Lines 19-32

Health Insurance, Disability Insurance and Health Savings Account Expenses.
categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or your dependents.

List the monthly expenses in the

a.

b.

c.

Health Insurance

Disability Insurance

Health Savings Account

$423.00
$0.00

$0.00

Total and enter on Line 34
If you do not actually expend this total amount,
space below:
$0.00

state your actual total average monthly expenditures in the

Continued contributions to the care of household or family members.
monthly expenses that you will continue to pay for the reasonable and necessary care and support of an
elderly, chronically ill, or disabled member of your household or member of your immediate family who is
unable to pay for such expenses.

Enter the total average actual

Protection against family violence.
incurred to maintain the safety of your family under the Family Violence Prevention and Services Act or
other applicable federal law. The nature of these expenses is required to be kept confidential by the court.

Enter the total average reasonably necessary monthly expenses that you actually

Home energy costs.
Local Standards for Housing and Utilities, that you actually expend for home energy costs.
provide your case trustee with documentation of your actual expenses, and you must demonstrate that
reasonable and necessary and not already accounted for in the IRS Standards.

Enter the total average monthly amount, in excess of the allowance specified by IRS
You must

Education expenses for dependent children less than 18. Enter the total average monthly expenses that
you actually incur, not to exceed $156.25* per child, for attendance at a private or public elementary or
secondary school by your dependent children less than 18 years of age.
with documentation of your actual expenses, and you must explain why the amount claimed is
reasonable and necessary and not already accounted for in the IRS Standards.

You must provide your case trustee

Additional food and clothing expense.
clothing expenses exceed the combined allowances for food and clothing (apparel and services) in the IRS National
Standards, not to exceed 5% of those combined allowances. (This information is available at
or from the clerk of the bankruptcy court.) You must demonstrate that the additional amount claimed is
reasonable and necessary.

Enter the total average monthly amount by which your food and

www.usdoj.gov/ust/

Continued charitable contributions.
form of cash or financial instruments to a charitable organization as defined in 26 U.S.C. § 170(c)(1)-(2).

Enter the amount that you will continue to contribute in the

Total Additional Expense Deductions under § 707(b). Enter the total of Lines 34 through 40
Subpart C: Deductions for Debt Payment

Future payments on secured claims. For each of your debts that is secured by an interest in proprerty that
you own, list the name of the creditor, identify the property securing the debt, state the Average Monthly
Payment, and check whether the payment includes taxes or insurance. The Average Monthly Payment is the
total of all amounts scheduled as contractually due to each Secured Creditor in the 60 months following the
filing of the bankruptcy case, divided by 60. If necessary, list additional entries on a separate page. Enter
the total of the Average Monthly Payments on Line 42.

34

35

36

37

38

39

40

41

42

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Document Page 11 of 44

6

$423.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$423.00

Name of Creditor

Property Securing the Debt

a.
b.

c.

d.
e.

Average
Monthly
Payment

$0.00

$0.00
$0.00

$0.00
$0.00

Does payment
include taxes
or insurance?

yes no
yes no
yes no

yes no

yes no

Total: Add Lines a - e

$0.00

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 12 of 44

B22A (Official Form 22A) (Chapter 7) (4/13)

- Cont

Other payments on secured claims.
If any of the debts listed in Line 42 are secured by your primary
residence, a motor vehicle, or other property necessary for your support or the support of your dependents,
you may include in your deduction 1/60th of any amount (the "cure amount") that you must pay the creditor
in addition to the payments listed in Line 42, in order to maintain possession of the property. The cure amount
would include any sums in default that must be paid in order to avoid repossession or foreclosure. List and
total any such amounts in the following chart. If necessary, list additional entries on a separate page.

Name of Creditor

Property Securing the Debt

1/60th of the Cure Amount

a.

b.
c.
d.
e.

$0.00
$0.00
$0.00
$0.00
$0.00

Total: Add Lines a - e

Payments on prepetition priority claims.
as priority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy
Do not include current obligations, such as those set out in Line 28.

Enter the total amount, divided by 60, of all priority claims, such

Chapter 13 administrative expenses.
the following chart, multiply the amount in line a by the amount in line b, and enter the resulting
administrative expense.

If you are eligible to file a case under Chapter 13, complete

a.

b.

c.

Projected average monthly Chapter 13 plan payment.

$0.00

Current multiplier for your district as determined under
schedules issued by the Executive Office for United States
Trustees. (This information is available at
or from the clerk of the bankruptcy court.)

www.usdoj.gov/ust/

x

0.072

Average monthly administrative expense of Chapter 13 case

Total: Multiply Lines a and b

Total Deductions for Debt Payment.

Enter the total of Lines 42 through 45.

Total of all deductions allowed under § 707(b)(2).

Enter the total of Lines 33, 41, and 46.

Subpart D: Total Deductions from Income

Part VI. DETERMINATION OF § 707(b)(2) PRESUMPTION

Enter the amount from Line 18 (Current monthly income for § 707(b)(2))

Enter the amount from Line 47 (Total of all deductions allowed under § 707(b)(2))

Monthly disposable income under § 707(b)(2).
result

60-month disposable income under § 707(b)(2).
number 60 and enter the result.

Subtract Line 49 from Line 48 and enter the

Multiply the amount in Line 50 by the

Initial presumption determination. Check the applicable box and proceed as directed.

7

$0.00

$0.00

$0.00

$0.00

$6,773.00

$5,600.00

$6,773.00

($1,173.00)

($70,380.00)

43

44

45

46

47

48

49

50

51

52

53

54

55

The amount on Line 51 is less than $7,475* Check the box for "The presumption does not arise" at the top of page 1 of

this statement, and complete the verification in Part VIII. Do not complete the remainder of Part VI.

The amount set forth on Line 51 is more than $12,475*

Check the box for "The presumption arises" at the top of

page 1 of this statement, and complete the verification in Part VIII. You may also complete Part VII. Do not complete the remainder of Part VI.

The amount on Line 51 is at least $7,475*, but not more than $12,475*.

Complete the remainder of Part

VI (Lines 53 through 55).

Enter the amount of your total non-priority unsecured debt

Threshold debt payment amount.
the result.

Multiply the amount in Line 53 by the number 0.25 and enter

Secondary presumption determination. Check the applicable box and proceed as directed.

The amount on Line 51 is less than the amount on Line 54. Check the box for "The presumption does not arise" at

the top of page 1 of this statement, and complete the verification in Part VIII.

The amount on Line 51 is equal to or greater than the amount on Line 54.

Check the box for "The presumption

arises" at the top of page 1 of this statement, and complete the verification in Part VIII. You may also complete Part VII.

$

$

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

B22A (Official Form 22A) (Chapter 7) (4/13)

- Cont

Document Page 13 of 44

8

PART VII. ADDITIONAL EXPENSE CLAIMS

Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the
health and welfare of 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 for each item. Total the expenses.

Expense Description

Monthly Amount

a.
b.
c.

$
$
$
$

Total: Add Lines a, b, and c

I declare under penalty of perjury that the information provided in this statement is true and correct.
both debtors must sign.)

(If this a joint case,

Part VIII: VERIFICATION

Date: ________________________ Signature: _____________________________________________________________________

04/18/2013

/s/ Justin Paul Paro

(Debtor)

56

57

Date: ________________________ Signature: _____________________________________________________________________

04/18/2013

(Joint Debtor, if any )

*Amounts are subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

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

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Document Page 14 of 44

UNITED STATES BANKRUPTCY COURT

DISTRICT OF MINNESOTA

In re

Justin Paul Paro

Case No.
Chapter 7

/ Debtor

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 must also 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

$

$

0.00

14,945.00

$

$

$

0.00

0.00

68,284.00

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

3

1

1

1

2

1

1

1

1

TOTAL

13

$

14,945.00

$

68,284.00

$

$

3,240.00

3,787.00

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 15 of 44

UNITED STATES BANKRUPTCY COURT

DISTRICT OF MINNESOTA

In re

Justin Paul Paro

Case No.
Chapter 7

/ Debtor

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)

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 22C Line 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)

$

$

$

Amount
0.00
0.00
0.00
37,822.00
0.00
0.00
37,822.00

$

$

$

$

3,240.00
3,787.00
5,600.00

$

$

$

$ 0.00

0.00

$

$ 0.00
$ 68,284.00
$ 68,284.00

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

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Document Page 16 of 44

In re

Justin Paul Paro

Debtor

Case No.

(if known)

DECLARATION CONCERNING DEBTOR'S SCHEDULES

DECLARATION UNDER PENALTY OF PERJURY BY AN INDIVIDUAL DEBTOR

I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of
correct to the best of my knowledge, information and belief.

14 sheets, and that they are true and

Date: 4/18/2013

Signature

/s/ Justin Paul Paro
Justin Paul Paro

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.

[If joint case, both spouses must sign.]

CERTIFICATION AND SIGNATURE OF NON-ATTORNEY BANKRUPTCY PETITION PREPARER

(See 11.U.S.C. § 110)

I certify that I am a bankruptcy preparer as defined in 11 U.S.C. § 110, that I prepared this document for compensation, and that I have provided the debtor
with a copy of this document.

Preparer:

Social security No. :

Names and Social Security numbers of all other individuals who prepared or assisted in preparing this document:

If more than one person prepared this document, attach additional signed sheets conforming to the appropriate Official Form for each person.

X

Date:

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.

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.

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

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Document Page 17 of 44

In re

Justin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE A-REAL PROPERTY

in which

the debtor has a

life estate.

Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a
cotenant community property, or
rights and powers
exercisable for the debtor’s own benefit. If the debtor is married, state whether the husband, wife, both, or the marital community own the property
by placing an “H,” “W,” “J,” or “C” in the column labeled “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.

Include any property

the debtor holds

in which

If an entity claims to have a lien or hold a secured interest in any property, state the amount of the secured claim. See Schedule D. If no entity
claims to hold a secured interest in the property, write “None” in the column labeled “Amount of Secured Claim.”

If the debtor is an individual or if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property
Claimed as Exempt.

Description and Location of Property

Nature of Debtor's
Interest in Property

None

Husband--H
Wife--W
Joint--J
Community--C


Current
Value

of Debtor's Interest,
in Property Without

Deducting any
Secured Claim or

Exemption

Amount of

Secured Claim

None

No continuation sheets attached

TOTAL $
(Report also on Summary of Schedules.)

0.00

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 18 of 44

In re Justin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE B-PERSONAL PROPERTY

Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories,
place an “x” in the appropriate position in the column labeled “None.” If additional space is needed in any category, attach a separate sheet properly
identified with the case name, case number, and the number of the category. If the debtor is married, state whether the husband, wife, both, or the
marital community own the property by placing an “H,” “W,” “J,” or “C” in the column labeled “Husband, Wife, Joint, or Community.” If the debtor is an
individual or a joint petition is filed, state the amount of any exemptions claimed only in 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.
If the property is being held for the debtor by someone else, state that person’s name and address under “Description and Location of Property.” If
the property is being held for a minor child, simply 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).

N
o
n
e

X

Type of Property

1. Cash on hand.

2. Checking, savings or other financial

accounts, certificates of deposit, or shares
in banks, savings and loan, thrift, building
and loan, and homestead associations, or
credit unions, brokerage houses, or
cooperatives.

Description and Location of Property

Husband--H
Wife--W
Joint--J
Community--C

TCF Checking #3852646036
Location: In debtor's possession

TCF Savings #4852269096
Location: In debtor's possession

3. Security deposits with public utilities,
telephone companies, landlords, and
others.

Security Deposit
Location: In landlord's possession

4. Household goods and furnishings,

including audio, video, and computer
equipment.

Household Furnishings, Bedroom set, couch,
chair, tv and sterio system, computer and
desk, appliances
Location: In debtor's possession

5. Books, pictures and other art objects,

antiques, stamp, coin, record, tape,
compact disc, and other collections or
collectibles.

6. Wearing apparel.

CD's and DVD's
Location: In debtor's possession

clothing
Location: In debtor's possession

7. Furs and jewelry.

X

8. Firearms and sports, photographic, and

other hobby equipment.

kettleballs
Location: In debtor's possession

Page

1

of

3

Current
Value

of Debtor's Interest,
in Property Without

Deducting any
Secured Claim or

Exemption

00.021$

00.575$

00.008$

00.000,3$

00.002$

00.002,1$

00.001$

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

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Document Page 19 of 44

In re Justin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE B-PERSONAL PROPERTY

(Continuation Sheet)

Description and Location of Property

Husband--H
Wife--W
Joint--J
Community--C

Current
Value

of Debtor's Interest,
in Property Without

Deducting any
Secured Claim or

Exemption

2012 Federal tax refund
Location: In debtor's possession

2013 Feeral tax refund
Location: In debtor's possession

2013 MN state tax refund
Location: In debtor's possession

2012 MN state tax refund
Location: In debtor's possession

00.005,1$

00.005,1$

00.000,1$

00.000,1$

N
o
n
e

X

X

X

X

X

X

X

X

X

X

X

Type of Property

9.

Interests in insurance policies. Name
insurance company of each policy and
itemize surrender or refund value of each.
10. Annuities. Itemize and name each issuer.

11. Interest 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 incorporated 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.

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

20. Contingent and non-contingent interests

in estate of a decedent, death benefit
plan, life insurance policy, or trust.

21. Other contingent and unliquidated claims

of every nature, including tax refunds,
counterclaims of the debtor, and rights to
setoff claims. Give estimated value of
each.

Page

2

of

3

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 20 of 44

In re Justin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE B-PERSONAL PROPERTY

(Continuation Sheet)

Description and Location of Property

Husband--H
Wife--W
Joint--J
Community--C

Current
Value

of Debtor's Interest,
in Property Without

Deducting any
Secured Claim or

Exemption

2005 Honda Civic Hybrid
Location: In debtor's possession

00.059,3$

Type of Property

22. Patents, copyrights, and other intellectual

property. Give particulars.

23. Licenses, franchises, and other general

intangibles. Give particulars.

24. Customer lists or other compilations

containing personally identifiable
information (as described 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.

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.

N
o
n
e
X

X

X

X

X

X

X

X

X

X

X

X

X

Page

3

of

3

Total

$14,945.00
(Report total also on Summary of Schedules.)
Include amounts from any continuation sheets attached.

B6C (Official Form 6C) (04/13)

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 21 of 44

In re

Justin Paul Paro

Debtor(s)
SCHEDULE C-PROPERTY CLAIMED AS EXEMPT

,

Case No.

(if known)

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

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

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

Description of Property

Specify Law
Providing each

Exemption

Value of
Claimed
Exemption

Current

Value of Property
Without Deducting

Exemptions

TCF Checking #3852646036

11 USC 522(d)(5)

TCF Savings #4852269096

11 USC 522(d)(5)

Security Deposit

11 USC 522(d)(5)

00.021 $

00.021 $

00.575 $

00.575 $

00.008 $

00.008 $

Household Furnishings, Bedroom
set, couch, chair, tv and
sterio system, computer and
desk, appliances

11 USC 522(d)(3)

00.000,3 $

00.000,3 $

CD's and DVD's

clothing

kettleballs

11 USC 522(d)(3)

11 USC 522(d)(3)

11 USC 522(d)(3)

00.002 $

00.002 $

00.002,1 $

00.002,1 $

00.001 $

00.001 $

2012 Federal tax refund

11 USC 522(d)(5)

00.005,1 $

00.005,1 $

2013 Feeral tax refund

11 USC 522(d)(5)

00.005,1 $

00.005,1 $

2013 MN state tax refund

11 USC 522(d)(5)

00.000,1 $

00.000,1 $

2012 MN state tax refund

11 USC 522(d)(5)

00.000,1 $

00.000,1 $

2005 Honda Civic Hybrid

11 USC 522(d)(2)
11 USC 522(d)(5)

00.054,3 $
00.005 $

00.059,3 $

Page No.

1 of

1

:latotbuS
:latoT

00.549,41 $
00.549,41$

00.549,41 $
00.549,41$

* 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.

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 22 of 44

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



In reJustin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

State the name, mailing address, including zip code, and last four digits of any account number of all entities holding
claims secured by property of the debtor as of the date of filing of the petition. 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. List
creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust,
and other security interests.

List creditors in alphabetical order to the extent practicable. If a minor child is the 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). If all secured 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 appropriate schedule 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 liable on 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.” (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 sheet of 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, if the debtor is an individual with primarily
consumer debts, report the total from the column labeled “Unsecured Portion, if Any” on the Statistical Summary of Certain
Liabilities 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 Address

Including ZIP Code and

Account Number

(See Instructions Above.)

Date Claim was Incurred, Nature
of Lien, and Description and Market
Value of Property Subject to Lien

H--Husband
W--Wife
J--Joint
C--Community

r
o
t
b
e
D
-
o
C

t
n
e
g
n
i
t
n
o
C

d
e
t
a
d
u
q

i

i
l

n
U

d
e
t
u
p
s
D

i

Amount of Claim

Without

Deducting Value

of Collateral

Unsecured

Portion, If Any

Account No:

Account No:

No continuation sheets attached

Value:

Value:

Subtotal $
(Total of this page)
Total $
(Use only on last page)

$ 0.00
$ 0.00

$ 0.00
$ 0.00

(Report also on Summary of
Schedules.)

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

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 23 of 44

In re Justin Paul Paro

Debtor(s)

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

,

Case No.

(if known)

A complete list of claims entitled to priority, listed separately by type of priority, is
the sheets provided. Only holders of
unsecured claims entitled to priority 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 account number, 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 continuation sheet for each type of priority and label each with the type of priority.

to be set

forth on

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." Do not 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 appropriate schedule 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 liable on 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." (You may 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 listed 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 on the Statistical 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 priority listed on this Schedule E in the box labeled "Total" on the last sheet of the completed schedule. Individual debtors 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 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,
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).

including vacation, severance, and sick

to employees and commissions owing

leave pay owing

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 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
alcohol, a drug, or another substance. 11 U.S.C. § 507(a)(10).

the operation of a motor vehicle or vessel while the debtor was

for death or personal injury resulting

from using

intoxicated

from

* 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.

No continuation sheets attached

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 24 of 44

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

In re Justin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without
priority against the debtor or the property of the debtor, as of the date of filing of the petition. 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."
Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Do not include claims listed 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 appropriate schedule 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 liable on 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." (You may need to place an "X" in more than one of these three
columns.)

Report total of all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedules. Report this total also on
the Summary of Schedules, 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 claims to report on this Schedule F.

Creditor's Name, Mailing Address

including Zip Code,
And Account Number
(See instructions above.)

r
o
t
b
e
D
-
o
C

-L51
Account No:
Creditor # : 1
Affinity Plus
175 W. Lafayette frontage Rd
Saint Paul MN 55107

Date Claim was Incurred,
and Consideration for Claim.
If Claim is Subject to Setoff, so State.

H--Husband
W--Wife
J--Joint
C--Community


1/12
loan

t
n
e
g
n
i
t
n
o
C

d
e
t
a
d
u
q

i

i
l

n
U

Amount of Claim

d
e
t
u
p
s
D

i

$ 14,413.00

$ 5,426.00

$ 10,623.00



1/12
Credit Card Purchases



1/12
Credit Card Purchases

2000
Account No:
Creditor # : 2
American Express
PO Box 981540
El Paso TX 79998-1064

5706
Account No:
Creditor # : 3
Discover Card
PO Box 30666
Salt Lake City UT 84130

1 continuation sheets attached

Subtotal $
Total $
fo yrammuS no osla tropeR .F eludehcS detelpmoc eht fo egap tsal no ylno esU(
detaleR dna seitilibaiL niatreC fo yrammuS lacitsitatS eht no ,elbacilppa fi ,dna seludehcS

$ 30,462.00

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 25 of 44

B6F (Official Form 6F) (12/07) - Cont.

In re Justin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

d
e
t
a
d
u
q

i

i
l

n
U

Amount of Claim

d
e
t
u
p
s
i
D

$ 37,822.00

(Continuation Sheet)

Date Claim was Incurred,
and Consideration for Claim.
If Claim is Subject to Setoff, so State.

H--Husband
W--Wife
J--Joint
C--Community


1/12
Student Loan

t
n
e
g
n
i
t
n
o
C

Creditor's Name, Mailing Address

including Zip Code,
And Account Number
(See instructions above.)

r
o
t
b
e
D
-
o
C

0703
Account No:
Creditor # : 4
Mohela
633 Spirit Drive
Chesterfield MO 63005

Account No:

Account No:

Account No:

Account No:

Sheet No.
Creditors Holding Unsecured Nonpriority Claims

of

1

1

continuation sheets attached to Schedule of

Subtotal $
Total $
fo yrammuS no osla tropeR .F eludehcS detelpmoc eht fo egap tsal no ylno esU(
detaleR dna seitilibaiL niatreC fo yrammuS lacitsitatS eht no ,elbacilppa fi ,dna seludehcS

$ 37,822.00

$ 68,284.00

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 26 of 44

In re Justin Paul Paro

/ Debtor

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 the nature of
debtor's interests 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 or 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 the 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.

Page

1 of

1

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 27 of 44

In re Justin Paul Paro

/ Debtor

Case No.

(if known)

SCHEDULE H-CODEBTORS

in

the schedules of creditors.

Include all guarantors and co-signers.

territory (including Alaska, Arizona, California,

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 a community property state,
commonwealth, or
Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or
Wisconsin) within the eight year period immediately preeceding the commencement of the case, identify the name of the debtors 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).

If

the debtor

resides or

resided

Check this box if the debtor has no codebtors.

Name and Address of Codebtor

Name and Address of Creditor

Page

1 of

1

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 28 of 44

In re Justin Paul Paro

Debtor(s)

,

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.

DEPENDENTS OF DEBTOR AND SPOUSE

AGE(S):
6

SPOUSE

Debtor's Marital
Status:
Divorced
EMPLOYMENT:

Occupation
Name of Employer
How Long Employed
Address of Employer

RELATIONSHIP(S):
daughter

DEBTOR

programmer
LSS Data Systems
7 years
6423 City West Parkway
Eden Prairie MN 55344

INCOME: (Estimate of average or projected monthly income at time case filed)
1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly)
2. Estimate monthly overtime
3. SUBTOTAL
4. LESS PAYROLL DEDUCTIONS

a. Payroll taxes and social security
b. Insurance
c. Union dues
d. Other (Specify): IRA Loan

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 or that
of dependents listed above.
11. Social security or government assistance

(Specify):

12. Pension or retirement income
13. Other monthly income

(Specify):

14. SUBTOTAL OF LINES 7 THROUGH 13

15. AVERAGE MONTHLY INCOME
16. COMBINED AVERAGE MONTHLY INCOME:

(Add amounts shown on lines 6 and 14)

(Combine column totals

from line 15; if there is only one debtor repeat total reported on line 15)

$
$
$

$
$
$
$
$
$
$
$
$
$

$
$

$

$
$

DEBTOR

SPOUSE

5,600.00
0.00
5,600.00

1,767.00
328.00
0.00
00.562
2,360.00
3,240.00
0.00
0.00
0.00
0.00

$
$
$

$
$
$
$
$
$
$
$
$
$

0.00
$
0.00 $

$00.0
0.00
3,240.00

$
$
3,240.00

$

0.00
0.00
0.00

0.00
0.00
0.00
00.0
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00

00.0
0.00
0.00

(Report also on Summary of Schedules and, if applicable, on
Statistical 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:

Page No.

1 of

1

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

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

Document Page 29 of 44

In re

Justin Paul Paro

Debtor(s)

,

Case No.

(if known)

SCHEDULE J-CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR

Complete this schedule by estimating the average or projected monthly expenses of
the debtor and the debtor's family. 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 22 A 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)

.............................................................................................................................................................

900.00

$

a. Are real estate taxes included?
b. Is property insurance included?
2. Utilities: a. Electricity and heating fuel

No
No

Yes
Yes
.............................................................................................................................................................

b. Water and sewer
c. Telephone
d. Other
Other

..............................................................................................................................................................
internet
...................................................................................................................................................................

..............................................................................................................................................

............................................................................................................................................................................................

........................................................................................................................................................

..................................................................................................................

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)

$
$
$
$
$

$
$
$
$
$
$
$
$

$
$
$
$
$
$

$
$
$
$
$

0.00
0.00
91.00
75.00
0.00

175.00
500.00
100.00
50.00
50.00
370.00
125.00
25.00

0.00
25.00
0.00
176.00
0.00
0.00

1,000.00
125.00
0.00
0.00
0.00
0.00
3,787.00

3,240.00
3,787.00
(547.00)

....................................................................................................................................................

......................................................................................................................................................................

........................................................................................................................................................................

a. Homeowner's or renter's
b. Life
c. Health
d. Auto
e. Other
Other

12. Taxes (not deducted from wages or included in home mortgage)
(Specify)
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the plan)

$

0.00

a. Auto
b. Other:
c. Other:

........................................................................................................................................................................
........................................................................................................................................................................

0.00
0.00
0.00

$
$
$

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:
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.)

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

20. STATEMENT OF MONTHLY NET INCOME

a. Average monthly income from Line 16 of Schedule I
b. Average monthly expenses from Line 18 above
c. Monthly net income (a. minus b.)

$

$
$
$

B 7 (Official Form 7) (4/13)

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Document Page 30 of 44

UNITED STATES BANKRUPTCY COURT

DISTRICT OF MINNESOTA

In re:

Justin Paul Paro

Debtor

,

Case No.

(if known)

STATEMENT OF FINANCIAL AFFAIRS

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 spouses is 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 petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole
proprietor, partner,
this statement concerning all such
activities as well as the individual's personal 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 or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not diclose the child's name. See, 11
U.S.C. § 112 and Fed. R. Bankr. P. 1007(m).

farmer, or self-employed professional, should provide

information requested on

family

the

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 the 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 limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor my also be "in
business" for the purpose of this form 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"

their relatives;
corporations of which the debtor is an officer, director, or person in control; officers, directors, and any persons in control of a corporation 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).

the debtor; general partners of

the debtor and

to: relatives of

includes but

is not

limited

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
this case was
part-time activities either as an employee or
commenced. State also the gross amounts received during the two years
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.)

immediately preceding this calendar year. (A debtor

the beginning of this calendar year to the date

trade or business,

independent

from

in

AMOUNT

Year to date:$22400.00
Last Year:$60,286.00
Year before: $57,292.00

SOURCE

LSS Data Systems

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, 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.)

Statement of Affairs - Page 1

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Document Page 31 of 44

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 creditor 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.)

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 this 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 creditor counseling agency. (Married debtors filingunder 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.)

* 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.

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 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.)

None

4. Suits and administrative proceedings, executions, garnishments and attachments
a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of this bankruptcy case.
(Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless
the spouses are separated and a joint petition is not filed.)

None

b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately preceding the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

None

5. Repossessions, foreclosures and returns
List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or returned to the seller,
within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information
concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

None

6. Assignments and receiverships
a. 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 a joint petition is not filed.)

Statement of Affairs - Page 2

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Document Page 32 of 44

None

None

None

b. List all property which has been
the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

the hands of a custodian, receiver, or court-appointed official within one year

immediately preceding

in

7. Gifts
List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary and usual gifts to
family members aggregating less than $200 in value per individual family member and charitable contributions aggregating less than $100 per recipient.
(Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions 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.)

8. Losses
List all
the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses 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.)

theft, other casualty or gambling within one year

the commencement of

immediately preceding

this case or since

losses

from

fire,

None

9. Payments related to debt counseling or bankruptcy
List all payments made or property transferred by or on behalf of the debtor
to any persons, including attorneys, for consultation concerning debt
consolidation, relief under the bankruptcy law or preparation of a petition in bankruptcy within one year immediately preceding the commencement of
this case.

None

10. Other transfers
a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred either absolutely
or as security within two years immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include
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.)

None


b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled trust or similar device
of which the debtor is a benificiary.

None

11. Closed financial accounts
List all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or otherwise transferred
within one year immediately preceding the commencement of this case. Include checking, savings, or other financial accounts, certificates of deposit, or
other instruments; shares and share accounts held in banks, credit unions, pension funds, cooperatives, associations, brokerage houses and other financial
institutions. (Married debtors filing under chapter 12 or chapter 13 must include information concerning accounts or instruments held by or for either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

None

12. Safe deposit boxes
List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year immediately preceding
the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or depositories of either or both spouses whether
or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

Statement of Affairs - Page 3

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Document Page 33 of 44

None

13. Setoffs
List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the commencement of this case.
(Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless
the spouses are separated and a joint petition is not filed.)

14. Property held for another person
List all property owned by another person that the debtor holds or controls.

None

None

15. Prior address of debtor
If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor occupied during that
period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate address of either spouse.

ADDRESS

Debtor: Justin Paro
Address: 323 West 31st Street,
Minneapolis MN

Debtor:Justin Paro
Address: 3025 Virginia Ave.
So., St Louis Park MN 55426

Debtor:Justin Paro
Address: 651 East 145th Street
Burnsville MN 55337

NAME USED

Name(s):

Name(s):

Name(s):

DATES OF
OCCUPANCY

1/2012-
3/2012

1/2011-
12/2011

9/2006-
12/2010

16. Spouses and Former Spouses
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 eight years 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.

None

NAME

Name:Lori Sapp

17. Environmental Information
For the purpose of this question, the following definitions apply:

None

"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous or toxic substances,
wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to, statutes or regulations regulating the
cleanup of these substances, wastes, or material.

"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or operated by the
debtor,
including, but not limited to disposal sites.

"Hazardous Material" means anything defined as hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant, or contaminant or
similar termunder an Environmental Law:

a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable or potentially liable
under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known, the Environmental Law:

Statement of Affairs - Page 4

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Document Page 34 of 44

None

b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous Material. Indicate the
governmental unit to which the notice was sent and the date of the notice.

None

c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law, with respect to which the debtor is or was a
party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the docket number.

None

18. Nature, location and name of business
a. If the debtor is an individual, list the names, addresses, taxpayer-identification numbers, nature of the businesses, and beginning and ending dates of all
businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a partnership, sole proprietor, or was
self-employed in a trade, profession, or other activity either full- or part-time within six years immediately preceding the commencement of this case, or in
which the debtor owned 5 percent or more of the voting or equity securities within six years immediately preceding the commencement of this case


If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of
all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six years immediately preceding the
commencment of this case.


If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of
all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six years immediately preceding the
commencment of this case.

None

b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.

[If completed by an individual or individual and spouse]

I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto and that
they are true and correct.

Date

04/18/2013

Signature
of Debtor

/s/ Justin Paul Paro

Date

Signature
of Joint Debtor
(if any)

Statement of Affairs - Page 5

B7 - (Official Form 7) (4/13)

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DECLARATION AND SIGNATURE OF NON-ATTORNEY BANKRUPTCY PETITION PREPARER (See 11 U.S.C. § 110)

Document Page 35 of 44

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
34(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 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.)

If the bankruptcy petition preparer is not an individual, state the name, title (if any), address, and social-security number of the officer, principal,, responsible
person, or partner who signs this document.

Address

X

Signature of Bankruptcy Petition Preparer

Date

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 signed 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. 18 U.S.C. § 156.

Statement of Affairs - Page 6

B 8 (Official Form 8) (12/08)

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Document Page 36 of 44

UNITED STATES BANKRUPTCY COURT

DISTRICT OF MINNESOTA

In re Justin Paul Paro

Case No.
Chapter 7

/ Debtor

CHAPTER 7 STATEMENT OF INTENTION

Part A - Debts Secured by property of the estate. (Part A must be completed for EACH debt which is secured by property of the estate.

Attach additional pages if necessary.)

Property No.
Creditor's Name :
None

Describe Property Securing Debt :

Property will be (check one) :

Surrendered

Retained

If retaining the property, I intend to (check at least one) :

Redeem the property

Reaffirm the debt

Other. Explain

Property is (check one) :

Claimed as exempt

Not claimed as exempt

(for example, avoid lien using 11 U.S.C § 522 (f)).

Part B - Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease. Attach

additional pages if necessary.)

Property No.
Lessor's Name:
None

Describe Leased Property:

Lease will be assumed
pursuant to 11 U.S.C. §
365(p)(2):

Yes

No

I declare under penalty of perjury that the above indicates my intention as to any property of my estate securing a debt
and/or personal property subject to an unexpired lease.
Debtor:

/s/ Justin Paul Paro

Date:

04/18/2013

Signature of Debtor(s)

Date:

Joint Debtor:

Page

1 of

1

Rule 2016(b) (8/91)

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Document Page 37 of 44

UNITED STATES BANKRUPTCY COURT

DISTRICT OF MINNESOTA

Justin Paul Paro

In re

Attorney for Debtor:

Glenn Schwartz

Case No.
Chapter

7

/ Debtor

STATEMENT PURSUANT TO RULE 2016(B)

The undersigned, pursuant to Rule 2016(b), Bankruptcy Rules, states that:
1. The undersigned is the attorney for the debtor(s) in this case.

2.

The compensation paid or agreed to be paid by the debtor(s), to the undersigned is:
a)

For legal services rendered or to be rendered in contemplation of and in
connection with this case . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
Prior to the filing of this statement, debtor(s) have paid . . . . . . . . . . . . . . . $
The unpaid balance due and payable is . . . . . . . . . . . . . . . . . . . . . . . . . . . $

b)
c)

1,800.00
1,800.00
0.00

3. $

306.00

of the filing fee in this case has been paid.

4.

5.

6.

7.

8.

b)

The Services rendered or to be rendered include the following:
a)

Analysis of the financial situation, and rendering advice and assistance to the debtor(s) in determining whether to
file a petition under title 11 of the United States Code.
Preparation and filing of the petition, schedules, statement of financial affairs and other documents required by the
court.
Representation of the debtor(s) at the meeting of creditors.

c)
The source of payments made by the debtor(s) to the undersigned was from earnings, wages and compensation for
services performed, and

None other

The source of payments to be made by the debtor(s) to the undersigned for the unpaid balance remaining, if any, will
be from earnings, wages and compensation for services performed, and

None other

The undersigned has received no transfer, assignment or pledge of property from debtor(s) except the following for
the value stated:

None

The undersigned has not shared or agreed to share with any other entity, other than with members of undersigned's
law firm, any compensation paid or to be paid except as follows:

None

Dated:

04/18/2013

Respectfully submitted,

Attorney for Petitioner:

X /s/ Glenn Schwartz

Glenn Schwartz
Glenn Schwartz
7825 Washington Ave. So.
Suite 500
Minneapolis MN 55439
952 943 3955
[email protected]

Case 13-41975 Doc 1 Filed 04/19/13 Entered 04/19/13 10:53:16 Desc Main

DISTRICT OF MINNESOTA

UNITED STATES BANKRUPTCY COURT

Document Page 38 of 44

In re Justin Paul Paro

Attorney for Debtor: Glenn Schwartz

Case No.
Chapter 7

/ Debtor

VERIFICATION OF CREDITOR MATRIX

The above named Debtor(s) hereby verify that the attached list of creditors is true and correct to the

best of our knowledge.

Date:

04/18/2013

/s/ Justin Paul Paro
Debtor

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Document Page 39 of 44

AFFINITY PLUS
175 W LAFAYETTE FRONTAGE RD
SAINT PAUL MN 55107

AMERICAN EXPRESS
PO BOX 981540
EL PASO TX 79998-1064

DISCOVER CARD
PO BOX 30666
SALT LAKE CITY UT 84130

MOHELA
633 SPIRIT DRIVE
CHESTERFIELD MO 63005

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