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Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Form 1. Voluntary Petition}bk{B1 (Official Form 1)(12/11)United States Bankruptcy CourtVoluntary PetitionName of Debtor (if individual, enter Last, First, Middle):All Other Names used by the Debtor in the last 8 years(include married, maiden, and trade names):Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN(if more than one, state all)Street Address of Debtor (No. and Street, City, and State):County of Residence or of the Principal Place of Business:Mailing Address of Debtor (if different from street address):Location of Principal Assets of Business Debtor(if different from street address above):Name of Joint Debtor (Spouse) (Last, First, Middle):All Other Names used by the Joint Debtor in the last 8 years(include married, maiden, and trade names):Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN(if more than one, state all)Street Address of Joint Debtor (No. and Street, City, and State):County of Residence or of the Principal Place of Business:Mailing Address of Joint Debtor (if different from street address):ZIP CodeZIP CodeZIP CodeZIP CodeType of Debtor(Form of Organization) (Check one box)Individual (includes Joint Debtors)See Exhibit D on page 2 of this form.Corporation (includes LLC and LLP)PartnershipOther (If debtor is not one of the above entities,check this box and state type of entity below.)Chapter 15 DebtorsCountry of debtor's center of main interests:Each country in which a foreign proceedingby, regarding, or against debtor is pending:Filing Fee (Check one box)Full Filing Fee attachedFiling Fee to be paid in installments (applicable to individuals only). Mustattach signed application for the court's consideration certifying that thedebtor is unable to pay fee except in installments. Rule 1006(b). See OfficialForm 3A.Filing Fee waiver requested (applicable to chapter 7 individuals only). Mustattach signed application for the court's consideration. See Official Form 3B.Nature of Business(Check one box)Health Care BusinessSingle Asset Real Estate as definedin 11 U.S.C. § 101 (51B)RailroadStockbrokerCommodity BrokerClearing BankOtherTax-Exempt Entity(Check box, if applicable)Debtor is a tax-exempt organizationunder Title 26 of the United StatesCode (the Internal Revenue Code).Chapter of Bankruptcy Code Under Whichthe Petition is Filed (Check one box)Chapter 7Chapter 9Chapter 11Chapter 12Chapter 13Chapter 15 Petition for Recognitionof a Foreign Main ProceedingChapter 15 Petition for Recognitionof a Foreign Nonmain ProceedingNature of Debts(Check one box)Debts are primarily consumer debts,Debts are primarilydefined in 11 U.S.C. § 101(8) asbusiness debts."incurred by an individual primarily fora personal, family, or household purpose."Chapter 11 DebtorsCheck one box:Debtor is a small business debtor as defined in 11 U.S.C. § 101(51D).Debtor is not a small business debtor as defined in 11 U.S.C. § 101(51D).Check if:Debtor’s aggregate noncontingent liquidated debts (excluding debts owed to insiders or affiliates)are less than $2,343,300 (amount subject to adjustment on 4/01/13 and every three years thereafter).Check all applicable boxes:A plan is being filed with this petition.Acceptances of the plan were solicited prepetition from one or more classes of creditors,in accordance with 11 U.S.C. § 1126(b).THIS SPACE IS FOR COURT USE ONLYStatistical/Administrative InformationDebtor estimates that funds will be available for distribution to unsecured creditors.Debtor estimates that, after any exempt property is excluded and administrative expenses paid, there will be no funds available for distribution to unsecured creditors.Estimated Number of Creditors1-50-100-200-1,000-5,001-10,001-25,001-50,001- OVER4999 199 999 5,000 10,000 25,000 50,000 100,000100,000Estimated Assets$0 to $50,001 to$100,001 to$500,001$1,000,001$10,000,001$50,000,001$100,000,001$500,000,001More than$50,000$100,000$500,000to $1to $10to $50to $100to $500to $1 billion$1 billionmillionmillionmillionmillionmillionEstimated Liabilities$0 to $50,001 to$100,001 to$500,001$1,000,001$10,000,001$50,000,001$100,000,001$500,000,001More than$50,000$100,000$500,000to $1to $10to $50to $100to $500to $1 billion$1 billionmillionmillionmillionmillionmillionEastern District of MissouriYates, MichaelYates, Jill Exxx-xx-22601270 White HawkO Fallon, MOSaint Charlesxxx-xx-01541270 White HawkO Fallon, MOSaint Charles6336663366Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B1 (Official Form 1)(12/11)Page 2Voluntary Petition(This page must be completed and filed in every case)Name of Debtor(s):All Prior Bankruptcy Cases Filed Within Last 8 Years(If more than two, attach additional sheet)LocationCase Number:Date Filed:Where Filed:LocationCase Number:Date Filed:Where Filed:Pending Bankruptcy Case Filed by any Spouse, Partner, or Affiliate of this Debtor(If more than one, attach additional sheet)Name of Debtor:Case Number:Date Filed:District:Relationship:Judge:Exhibit A(To be completed if debtor is required to file periodic reports (e.g.,forms 10K and 10Q) with the Securities and Exchange Commissionpursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934and is requesting relief under chapter 11.)Exhibit A is attached and made a part of this petition.Exhibit CDoes the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety?Yes, and Exhibit C is attached and made a part of this petition.No.Exhibit D(To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.)Exhibit D completed and signed by the debtor is attached and made a part of this petition.If this is a joint petition:Exhibit D also completed and signed by the joint debtor is attached 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 180days 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 inthis District, or has no principal place of business or assets in the United States but is a defendant in an action orproceeding [in a federal or state court] in this District, or the interests of the parties will be served in regard to the reliefsought in this District.Certification by a Debtor Who Resides as a Tenant of Residential Property(Check all applicable boxes)Landlord has a judgment against the debtor for possession of debtor's residence.(If box checked, complete the following.)(Name of landlord that obtained judgment)(Address of landlord)Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to curethe entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and Debtor has included in this petition the deposit with the court of any rent that would become due during the 30-day periodafter the filing of the petition.Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).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 Ihave 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 availableunder each such chapter. I further certify that I delivered to the debtor the noticerequired by 11 U.S.C. §342(b).XSignature of Attorney for Debtor(s)(Date)Yates, MichaelYates, Jill E- None -- None -March 27, 2013/s/ Dominic PontelloDominic PontelloCase 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B1 (Official Form 1)(12/11)Page 3Voluntary Petition(This page must be completed and filed in every case)Name of Debtor(s):SignaturesSignature(s) of Debtor(s) (Individual/Joint)I declare under penalty of perjury that the information provided in thispetition is true and correct.[If petitioner is an individual whose debts are primarily consumer debts andhas chosen to file under chapter 7] I am aware that I may proceed underchapter 7, 11, 12, or 13 of title 11, United States Code, understand the reliefavailable under each such chapter, and choose to proceed under chapter 7.[If no attorney represents me and no bankruptcy petition preparer signs thepetition] 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.XSignature of DebtorXSignature of Joint DebtorTelephone Number (If not represented by attorney)DateSignature of Attorney*XSignature of Attorney for Debtor(s)Printed Name of Attorney for Debtor(s)Firm NameAddressTelephone NumberDate*In a case in which § 707(b)(4)(D) applies, this signature also constitutes acertification that the attorney has no knowledge after an inquiry that theinformation in the schedules is incorrect.Signature of Debtor (Corporation/Partnership)I declare under penalty of perjury that the information provided in thispetition is true and correct, and that I have been authorized to file this petitionon behalf of the debtor.The debtor requests relief in accordance with the chapter of title 11, UnitedStates Code, specified in this petition.XSignature of Authorized IndividualPrinted Name of Authorized IndividualTitle of Authorized IndividualDateSignature of a Foreign RepresentativeI declare under penalty of perjury that the information provided in this petitionis true and correct, that I am the foreign representative of a debtor in a foreignproceeding, 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 chapterof title 11 specified in this petition. A certified copy of the order grantingrecognition of the foreign main proceeding is attached.XSignature of Foreign RepresentativePrinted Name of Foreign RepresentativeDateSignature of Non-Attorney Bankruptcy Petition PreparerI declare under penalty of perjury that: (1) I am a bankruptcy petitionpreparer as defined in 11 U.S.C. § 110; (2) I prepared this document forcompensation and have provided the debtor with a copy of this documentand the notices and information required under 11 U.S.C. §§ 110(b),110(h), and 342(b); and, (3) if rules or guidelines have been promulgatedpursuant to 11 U.S.C. § 110(h) setting a maximum fee for serviceschargeable by bankruptcy petition preparers, I have given the debtor noticeof the maximum amount before preparing any document for filing for adebtor 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 PreparerSocial-Security number (If the bankrutpcy petition preparer is notan individual, state the Social Security number of the officer,principal, responsible person or partner of the bankruptcy petitionpreparer.)(Required by 11 U.S.C. § 110.)AddressXDateSignature of bankruptcy petition preparer or officer, principal, responsibleperson,or partner whose Social Security number is provided above.Names and Social-Security numbers of all other individuals who prepared orassisted in preparing this document unless the bankruptcy petition preparer isnot an individual:If more than one person prepared this document, attach additional sheetsconforming to the appropriate official form for each person.A bankruptcy petition preparer’s failure to comply with the provisions oftitle 11 and the Federal Rules of Bankruptcy Procedure may result infines or imprisonment or both. 11 U.S.C. §110; 18 U.S.C. §156.Yates, MichaelYates, Jill E/s/ Michael YatesMichael Yates/s/ Jill E YatesJill E YatesMarch 27, 2013/s/ Dominic PontelloDominic PontelloPontello Law, LLC5988 Mid Rivers Mall Dr., Suite 112Saint Charles, MO 63304Email: [email protected] Fax: 636-441-6881March 27, 2013Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B 1D (Official Form 1, Exhibit D) (12/09)United States Bankruptcy CourtEastern District of MissouriIn reMichael YatesJill E YatesCase No.Debtor(s)Chapter7EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITHCREDIT COUNSELING REQUIREMENTWarning: You must be able to check truthfully one of the five statements regarding creditcounseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the courtcan dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and yourcreditors will be able to resume collection activities against you. If your case is dismissed and you fileanother bankruptcy case later, you may be required to pay a second filing fee and you may have to takeextra steps to stop creditors' collection activities.Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must completeand file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.(cid:132) 1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a creditcounseling agency approved by the United States trustee or bankruptcy administrator that outlined theopportunities for available credit counseling and assisted me in performing a related budget analysis, and I havea certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copyof any debt repayment plan developed through the agency.(cid:134) 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a creditcounseling agency approved by the United States trustee or bankruptcy administrator that outlined theopportunities for available credit counseling and assisted me in performing a related budget analysis, but I donot have a certificate from the agency describing the services provided to me. You must file a copy of acertificate from the agency describing the services provided to you and a copy of any debt repayment plandeveloped through the agency no later than 14 days after your bankruptcy case is filed.(cid:134) 3. I certify that I requested credit counseling services from an approved agency but was unable toobtain the services during the seven days from the time I made my request, and the following exigentcircumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy casenow. [Summarize exigent circumstances here.]If your certification is satisfactory to the court, you must still obtain the credit counseling briefingwithin the first 30 days after you file your bankruptcy petition and promptly file a certificate from theagency that provided the counseling, together with a copy of any debt management plan developedthrough the agency. Failure to fulfill these requirements may result in dismissal of your case. Anyextension 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 bankruptcycase without first receiving a credit counseling briefing.Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B 1D (Official Form 1, Exhibit D) (12/09) - Cont.Page 2(cid:134) 4. I am not required to receive a credit counseling briefing because of: [Check the applicablestatement.] [Must be accompanied by a motion for determination by the court.](cid:134) Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness ormental deficiency so as to be incapable of realizing and making rational decisions with respect tofinancial responsibilities.);(cid:134) Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of beingunable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, orthrough the Internet.);(cid:134) Active military duty in a military combat zone.(cid:134) 5. The United States trustee or bankruptcy administrator has determined that the credit counselingrequirement 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/ Michael YatesMichael YatesDate:March 27, 2013Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B 1D (Official Form 1, Exhibit D) (12/09)United States Bankruptcy CourtEastern District of MissouriIn reMichael YatesJill E YatesCase No.Debtor(s)Chapter7EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITHCREDIT COUNSELING REQUIREMENTWarning: You must be able to check truthfully one of the five statements regarding creditcounseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the courtcan dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and yourcreditors will be able to resume collection activities against you. If your case is dismissed and you fileanother bankruptcy case later, you may be required to pay a second filing fee and you may have to takeextra steps to stop creditors' collection activities.Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must completeand file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.(cid:132) 1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a creditcounseling agency approved by the United States trustee or bankruptcy administrator that outlined theopportunities for available credit counseling and assisted me in performing a related budget analysis, and I havea certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copyof any debt repayment plan developed through the agency.(cid:134) 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a creditcounseling agency approved by the United States trustee or bankruptcy administrator that outlined theopportunities for available credit counseling and assisted me in performing a related budget analysis, but I donot have a certificate from the agency describing the services provided to me. You must file a copy of acertificate from the agency describing the services provided to you and a copy of any debt repayment plandeveloped through the agency no later than 14 days after your bankruptcy case is filed.(cid:134) 3. I certify that I requested credit counseling services from an approved agency but was unable toobtain the services during the seven days from the time I made my request, and the following exigentcircumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy casenow. [Summarize exigent circumstances here.]If your certification is satisfactory to the court, you must still obtain the credit counseling briefingwithin the first 30 days after you file your bankruptcy petition and promptly file a certificate from theagency that provided the counseling, together with a copy of any debt management plan developedthrough the agency. Failure to fulfill these requirements may result in dismissal of your case. Anyextension 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 bankruptcycase without first receiving a credit counseling briefing.Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B 1D (Official Form 1, Exhibit D) (12/09) - Cont.Page 2(cid:134) 4. I am not required to receive a credit counseling briefing because of: [Check the applicablestatement.] [Must be accompanied by a motion for determination by the court.](cid:134) Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness ormental deficiency so as to be incapable of realizing and making rational decisions with respect tofinancial responsibilities.);(cid:134) Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of beingunable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, orthrough the Internet.);(cid:134) Active military duty in a military combat zone.(cid:134) 5. The United States trustee or bankruptcy administrator has determined that the credit counselingrequirement 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/ Jill E YatesJill E YatesDate:March 27, 2013Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Form 6. Summary of Schedules}bk{United States Bankruptcy CourtEastern District of MissouriIn re,DebtorsCase No.Chapter7Michael Yates,Jill E YatesB6 Summary (Official Form 6 - Summary) (12/07)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 mustalso complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.SUMMARY OF SCHEDULESATTACHEDNO. OFNAME OF SCHEDULEASSETSLIABILITIESOTHER(YES/NO)SHEETSA - Real PropertyB - Personal PropertyC - Property Claimed as ExemptD - Creditors Holding Secured ClaimsE - Creditors Holding UnsecuredPriority ClaimsF - Creditors Holding UnsecuredNonpriority ClaimsG - Executory Contracts andUnexpired LeasesH - CodebtorsI -Current Income of IndividualDebtor(s)J -Current Expenditures of IndividualDebtor(s)Total Number of Sheets of ALL SchedulesTotal AssetsTotal Liabilities(Total of Claims on Schedule E)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyYesYesYesYesYesYesYesYesYesYes1123,900.00359,449.861168,402.0012,155.00263,303.00411114,111.32214,941.6417183,349.86233,860.00Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Form 6. Statistical Summary of Certain Liabilities and Related Data}bk{United States Bankruptcy CourtEastern District of MissouriIn re,DebtorsCase No.Chapter7Michael Yates,Jill E YatesForm 6 - Statistical Summary (12/07)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)), filinga 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 LiabilityAmountDomestic Support Obligations (from Schedule E)Taxes and Certain Other Debts Owed to Governmental Units (from Schedule E)Claims for Death or Personal Injury While Debtor Was Intoxicated(from Schedule E) (whether disputed or undisputed)Student Loan Obligations (from Schedule F)Domestic Support, Separation Agreement, and Divorce DecreeObligations Not Reported on Schedule EObligations to Pension or Profit-Sharing, and Other Similar Obligations(from Schedule F)TOTALState 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"column2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY"column3. Total from Schedule E, "AMOUNT NOT ENTITLED TOPRIORITY, IF ANY" column4. Total from Schedule F5. Total of non-priority unsecured debt (sum of 1, 3, and 4)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy0.002,155.000.003,403.000.000.005,558.0014,111.3214,941.645,293.68747.002,155.000.0063,303.0064,050.00Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule A - Real Property}bk{In re,DebtorsCase No.Michael Yates,Jill E YatesB6A (Official Form 6A) (12/07)Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as acotenant, community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable forthe debtor's own benefit. If the debtor is married, state whether 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 andUnexpired Leases.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 entityclaims to hold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim." If the debtor is an individual orif a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property Claimed as Exempt.DescriptionandLocationofPropertyNature of Debtor'sInterest in PropertyHusband,Wife,Joint, orCommunityCurrent Value ofDebtor'sInterestinProperty,withoutDeductinganySecuredClaimorExemptionAmountofSecuredClaimcontinuation sheets attached to the Schedule of Real PropertySCHEDULE A - REAL PROPERTYSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy01270 White HawkO'Fallon, MO 63366J123,900.00119,217.00Sub-Total >(Total of this page)123,900.00Total >(Report also on Summary of Schedules)123,900.00Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule B - Personal Property}bk{In re,DebtorsCase No.Michael Yates,Jill E YatesB6B (Official Form 6B) (12/07)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, placean "x" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identifiedwith the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital communityown 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 jointpetition 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 andUnexpired 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).TypeofPropertyNONEDescriptionandLocationofPropertyHusband,Wife,Joint, orCommunityCurrent Value ofDebtor'sInterestinProperty,withoutDeductinganySecuredClaimorExemptioncontinuationsheetsattachedtotheScheduleofPersonalPropertySCHEDULE B - PERSONAL PROPERTYSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy21.Cash on handCashIn Debtors' PossessionJ20.002.Checking, savings or other financialaccounts, certificates of deposit, orshares in banks, savings and loan,thrift, building and loan, andhomestead associations, or creditunions, brokerage houses, orcooperatives.Bank of America Checking in Debtor's possession.J12.56Bank of America Savings in Debtor's possession.J17.303.Security deposits with publicutilities, telephone companies,landlords, and others.X4.Household goods and furnishings,including audio, video, andcomputer equipment.Various household goods and furnishings inDebtor's possession.J950.005.Books, pictures and other artobjects, antiques, stamp, coin,record, tape, compact disc, andother collections or collectibles.X6.Wearing apparel.Various clothing items in the Debtor's possession.J550.007.Furs and jewelry.Wedding RingsJ550.008.Firearms and sports, photographic,and other hobby equipment.Golf Clubs in Debtor's Possession.J150.009.Interests in insurance policies.Name insurance company of eachpolicy and itemize surrender orrefund value of each.Farmers Insurance policy for the benefit of Debtor'sspouse.H0.00Farmers Insurance Policy for the benefit of thedebtor.W0.0010.Annuities. Itemize and name eachissuer.XSub-Total >(Total of this page)2,249.86Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6B (Official Form 6B) (12/07) - Cont.TypeofPropertyNONEDescriptionandLocationofPropertyHusband,Wife,Joint, orCommunityCurrent Value ofDebtor'sInterestinProperty,withoutDeductinganySecuredClaimorExemptionSheetofcontinuationsheetsattachedtotheScheduleofPersonalPropertySCHEDULE B - PERSONAL PROPERTY(Continuation Sheet)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yates11.Interests in an education IRA asdefined in 26 U.S.C. § 530(b)(1) orunder a qualified State tuition planas defined in 26 U.S.C. § 529(b)(1).Give particulars. (File separately therecord(s) of any such interest(s).11 U.S.C. § 521(c).)X12.Interests in IRA, ERISA, Keogh, orother pension or profit sharingplans. Give particulars.401K through the employer of the DebtorW7,500.0013.Stock and interests in incorporatedand unincorporated businesses.Itemize.Yates Insurance AgencyH0.0014.Interests in partnerships or jointventures. Itemize.X15.Government and corporate bondsand other negotiable andnonnegotiable instruments.X16.Accounts receivable.X17.Alimony, maintenance, support, andproperty settlements to which thedebtor is or may be entitled. Giveparticulars.X18.Other liquidated debts owed to debtorincluding tax refunds. Give particulars.X19.Equitable or future interests, lifeestates, and rights or powersexercisable for the benefit of thedebtor other than those listed inSchedule A - Real Property.X20.Contingent and noncontingentinterests in estate of a decedent,death benefit plan, life insurancepolicy, or trust.X21.Other contingent and unliquidatedclaims of every nature, includingtax refunds, counterclaims of thedebtor, and rights to setoff claims.Give estimated value of each.Claim against NCO Financial Services Inc. forviolations of the FDCPA with potential statutorydamages of $1,000.00 and actual damages. Case isfiled in St. Charles County Circuit Court and wasgiven case number 1311-AC02050.H0.00Sub-Total >(Total of this page)7,500.0012Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6B (Official Form 6B) (12/07) - Cont.TypeofPropertyNONEDescriptionandLocationofPropertyHusband,Wife,Joint, orCommunityCurrent Value ofDebtor'sInterestinProperty,withoutDeductinganySecuredClaimorExemptionSheetofcontinuationsheetsattachedtotheScheduleofPersonalPropertySCHEDULE B - PERSONAL PROPERTY(Continuation Sheet)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yates22.Patents, copyrights, and otherintellectual property. Giveparticulars.X23.Licenses, franchises, and othergeneral intangibles. Giveparticulars.X24.Customer lists or other compilationscontaining personally identifiableinformation (as defined in 11 U.S.C.§ 101(41A)) provided to the debtorby individuals in connection withobtaining a product or service fromthe debtor primarily for personal,family, or household purposes.X25.Automobiles, trucks, trailers, andother vehicles and accessories.2007 Chevrolet Tahoe with 28,760 miles in theDebtor's posession.J27,175.002012 Nissan Rogue with 11,291 miles in theDebtor's posession.J22,525.0026.Boats, motors, and accessories.X27.Aircraft and accessories.X28.Office equipment, furnishings, andsupplies.X29.Machinery, fixtures, equipment, andsupplies used in business.X30.Inventory.X31.Animals.X32.Crops - growing or harvested. Giveparticulars.X33.Farming equipment andimplements.X34.Farm supplies, chemicals, and feed.X35.Other personal property of any kindnot already listed. Itemize.XSub-Total >(Total of this page)49,700.0022Total >(Report also on Summary of Schedules)59,449.86Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule C - Property Claimed as Exempt}bk{In re,DebtorsCase No.Michael Yates,Jill E YatesB6C (Official Form 6C) (4/10)Debtor claims the exemptions to which debtor is entitled under:Check if debtor claims a homestead exemption that exceeds(Check one box)$146,450.(Amount subject to adjustment on 4/1/13, and every three years thereafterwith respect to cases commenced on or after the date of adjustment.)11 U.S.C. §522(b)(2)11 U.S.C. §522(b)(3)Description of PropertySpecify Law ProvidingEach ExemptionValue ofClaimedExemptionCurrent Value ofProperty WithoutDeducting Exemptioncontinuation sheets attached to Schedule of Property Claimed as ExemptSCHEDULE C - PROPERTY CLAIMED AS EXEMPTSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy0Real Property1270 White HawkO'Fallon, MO 63366123,900.00RSMo § 513.47515,000.00Cash on HandCashIn Debtors' Possession20.00RSMo § 513.430.1(3)20.00Checking, Savings, or Other Financial Accounts, Certificates of DepositBank of America Checking in Debtor'spossession.12.56RSMo § 513.430.1(3)12.56Bank of America Savings in Debtor'spossession.17.30RSMo § 513.430.1(3)17.30Household Goods and FurnishingsVarious household goods and furnishings inDebtor's possession.950.00RSMo § 513.430.1(1)950.00Wearing ApparelVarious clothing items in the Debtor'spossession.550.00RSMo § 513.430.1(1)550.00Furs and JewelryWedding Rings550.00RSMo § 513.430.1(2)550.00Firearms and Sports, Photographic and Other Hobby EquipmentGolf Clubs in Debtor's Possession.150.00RSMo § 513.430.1(1)150.00Interests in Insurance PoliciesFarmers Insurance policy for the benefit ofDebtor's spouse.0.00RSMo § 513.430.1(7)0.00Farmers Insurance Policy for the benefit of thedebtor.0.00RSMo § 513.430.1(7)0.00Interests in IRA, ERISA, Keogh, or Other Pension or Profit Sharing Plans401K through the employer of the Debtor7,500.00RSMo § 513.430.1(10)(f)7,500.00Automobiles, Trucks, Trailers, and Other Vehicles2012 Nissan Rogue with 11,291 miles in theDebtor's posession.22,525.00RSMo § 513.430.1(5)1,262.00Total:26,011.86156,174.86Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule D - Creditors Holding Secured Claims}bk{AMOUNT OFCLAIMWITHOUTDEDUCTINGVALUE OFCOLLATERALDATE CLAIM WAS INCURRED,NATURE OF LIEN, ANDDESCRIPTION AND VALUEOF PROPERTYSUBJECT TO LIENCODEBTORCONTINGENTUNLIQUIDATEDDISPUTEDHusband, Wife, Joint, or CommunityHWJCCREDITOR'S NAME AND MAILING ADDRESSINCLUDING ZIP CODE,AND ACCOUNT NUMBER(See instructions above.)Account No.Value $Account No.Value $Account No.Value $Account No.Value $Subtotal_____ continuation sheets attached(Total of this page)UNSECUREDPORTION, IFANYB6D (Official Form 6D) (12/07)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 ofthe 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 providedif 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, andother security interests.List creditors in alphabetical order to the extent practicable. If a minor child is a creditor, 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 appropriateschedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may beliable 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 theclaim 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 lastsheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual withprimarily consumer debts, report the total from the column labeled "Unsecured Portion" 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.SCHEDULE D - CREDITORS HOLDING SECURED CLAIMSSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yates0xxxxxxx6604Opened 10/01/11 Last Active 2/04/132007 Chevrolet Tahoe with 28,760 milesin the Debtor's posession.First Community Cu17151 Chesterfield Airport RoadChesterfield, MO 63005J27,922.00747.0027,175.00xxxx9769Opened 10/01/06 Last Active 2/04/131270 White HawkO'Fallon, MO 63366Hfc - UsaPo Box 9068Brandon, FL 33509J5,859.000.00123,900.00xxxxxxxxx6924Opened 9/01/11 Last Active 3/04/131270 White HawkO'Fallon, MO 63366Wells Fargo Hm MortgagPo Box 10335Des Moines, IA 50306J113,358.000.00123,900.00xxxxxxxx6833Opened 3/01/12 Last Active 2/15/132012 Nissan Rogue with 11,291 miles inthe Debtor's posession.Wfs Financial/Wachovia Dealer SrvsPo Box 3569Rancho Cucamonga, CA 91729J21,263.000.0022,525.00168,402.00747.00168,402.00747.00Total(Report on Summary of Schedules)Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule E - Creditors Holding Unsecured Priority Claims}bk{B6E (Official Form 6E) (4/10)A complete list of claims entitled to priority, listed separately by type of priority, is to be set forth on the sheets provided. Only holders of unsecured claims entitledto 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 theaccount 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 separatecontinuation sheet for each type of priority and label each with the type of priority.The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to doso. 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 appropriateschedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may beliable 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 thecolumn 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 prioritylisted on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total also 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 topriority 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.Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.TYPES OF PRIORITY CLAIMS(Check the appropriate box(es) below if claims in that category are listed on the attached sheets)Domestic support obligationsClaims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, 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 caseClaims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of the appointment of a trustee or the order for relief. 11 U.S.C. § 507(a)(3).Wages, salaries, and commissionsWages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifying independent salesrepresentatives up to $11,725* per person earned within 180 days immediately preceding the filing of the original petition, or the cessation of business, whicheveroccurred first, to the extent provided in 11 U.S.C. § 507(a)(4).Contributions to employee benefit plansMoney owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or the cessation of business,whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(5).Certain farmers and fishermenClaims of certain farmers and fishermen, up to $5,775* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).Deposits by individualsClaims of individuals up to $2,600* 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 unitsTaxes, customs duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. § 507(a)(8).Commitments to maintain the capital of an insured depository institutionClaims based on commitments to the FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors of the FederalReserve System, or their predecessors or successors, to maintain the capital of an insured depository institution. 11 U.S.C. § 507 (a)(9).Claims for death or personal injury while debtor was intoxicatedClaims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using alcohol, a drug, or another substance. 11 U.S.C. § 507(a)(10).* Amount subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.continuation sheets attachedSCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMSSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yates1Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6E (Official Form 6E) (4/10) - Cont.CODEBTORCONTINGENTUNLIQUIDATEDDISPUTEDHusband, Wife, Joint, or CommunityHWJCCREDITOR'S NAME,AND MAILING ADDRESSINCLUDING ZIP CODE,AND ACCOUNT NUMBER(See instructions.)DATE CLAIM WAS INCURREDAMOUNTAND CONSIDERATION FOR CLAIMOF CLAIMAccount No.Account No.Account No.Account No.Account No.SubtotalSheet _____ of _____ continuation sheets attached to(Total of this page)Schedule of Creditors Holding Unsecured Priority ClaimsTYPE OF PRIORITYAMOUNT NOTENTITLED TOPRIORITY, IF ANYAMOUNTENTITLED TOPRIORITYSCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS(Continuation Sheet)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E YatesTaxes and Certain Other DebtsOwed to Governmental Units01542012Income TaxesIRSP.O. Box 7346Philadelphia, PA 19101-7346J845.00845.000.0001542012Income TaxesMissouri Department of RevenueBankruptcy UnitP.O. Box 475301 W. High StreetJefferson City, MO 65105-0475J1,310.001,310.000.002,155.002,155.000.00112,155.002,155.000.00Total(Report on Summary of Schedules)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule F - Creditors Holding Unsecured Nonpriority Claims}bk{CODEBTORCONTINGENTUNLIQUIDATEDDISPUTEDHusband, Wife, Joint, or CommunityHWJCCREDITOR'S NAME,MAILING ADDRESSINCLUDING ZIP CODE,AND ACCOUNT NUMBER(See instructions above.)Account No.Account No.Account No.Account No.Subtotal_____ continuation sheets attached(Total of this page)DATE CLAIM WAS INCURRED ANDCONSIDERATION FOR CLAIM. IF CLAIMIS SUBJECT TO SETOFF, SO STATE.AMOUNT OF CLAIMB6F (Official Form 6F) (12/07)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 thedebtor 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 thetrustee 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 appropriateschedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may beliable 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 theclaim 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 all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedule. Report this total also on the Summary ofSchedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data.Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.S/N:45350-130319SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMSSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yates3xxxxxxxxxxxx2756Opened 9/01/00 Last Active 9/14/12Credit CardBank Of AmericaAttention: Recovery Department4161 Peidmont Pkwy.Greensboro, NC 27410W11,834.00xxxxxxxxxxxx4879Opened 10/01/01 Last Active 9/14/12Credit CardBank Of AmericaAttention: Recovery Department4161 Peidmont Pkwy.Greensboro, NC 27410W8,005.00xxxxxxxxxxxx5132Opened 1/01/07 Last Active 10/02/12Credit CardBank Of AmericaPo Box 982235El Paso, TX 79998H5,545.00xxxxxxxxxxxx8179Opened 9/28/00 Last Active 9/11/06Credit CardBank Of AmericaAttention: Recovery Department4161 Peidmont Pkwy.Greensboro, NC 27410HUnknown25,384.00Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6F (Official Form 6F) (12/07) - Cont.CODEBTORCONTINGENTUNLIQUIDATEDDISPUTEDHusband, Wife, Joint, or CommunityHWJCCREDITOR'S NAME,MAILING ADDRESSINCLUDING ZIP CODE,AND ACCOUNT NUMBER(See instructions above.)Account No.Account No.Account No.Account No.Account No.Sheet no. _____ of _____ sheets attached to Schedule ofSubtotalCreditors Holding Unsecured Nonpriority Claims(Total of this page)DATE CLAIM WAS INCURRED ANDCONSIDERATION FOR CLAIM. IF CLAIMIS SUBJECT TO SETOFF, SO STATE.AMOUNT OF CLAIMSCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS(Continuation Sheet)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yatesxxxxxxxxxxxx0757Opened 6/01/06 Last Active 2/15/13Charge AccountCap1/bstby26525 N Riverwoods BlvdMettawa, IL 60045H1,580.00xxxxxxxxxxxx4893Opened 12/01/05 Last Active 8/20/12Credit CardDiscover Fin Svcs LlcPo Box 15316Wilmington, DE 19850J13,936.00xxxxxx7500Opened 4/28/11 Last Active 2/04/13Credit CardFarmers Ins Group F C4601 Wilshire Blvd Suite 110Los Angeles, CA 90010J2,408.00xxxxxxxxxxxx9219Opened 12/01/06 Last Active 8/03/12Credit CardGecrb/tydcPo Box 965005Orlando, FL 32896W11,399.00xxxxxxxxxxxx2163Opened 4/01/03 Last Active 11/24/06Credit CardHsbc BankPo Box 30253Salt Lake City, UT 84130J0.0029,323.0013Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6F (Official Form 6F) (12/07) - Cont.CODEBTORCONTINGENTUNLIQUIDATEDDISPUTEDHusband, Wife, Joint, or CommunityHWJCCREDITOR'S NAME,MAILING ADDRESSINCLUDING ZIP CODE,AND ACCOUNT NUMBER(See instructions above.)Account No.Account No.Account No.Account No.Account No.Sheet no. _____ of _____ sheets attached to Schedule ofSubtotalCreditors Holding Unsecured Nonpriority Claims(Total of this page)DATE CLAIM WAS INCURRED ANDCONSIDERATION FOR CLAIM. IF CLAIMIS SUBJECT TO SETOFF, SO STATE.AMOUNT OF CLAIMSCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS(Continuation Sheet)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yatesxxxxxxxxxxxx8375Opened 8/01/07 Last Active 2/15/13Charge AccountLowes /GECRBAttention: Bankruptcy DepartmentPo Box 103104Roswell, GA 30076J3,976.00xxxxxxxxxxxx2665Opened 6/03/02 Last Active 4/13/10Charge AccountMiitary Star/AAFESAafesPo Box 650060Dallas, TX 75265H0.00Unknown1995Karate ClassNCO Financial Services, Inc.c/o The Corporation Company120 South Central Ave.Saint Louis, MO 63105JXUnknownxxxxxx01762/25/12Medical ServicesProgress West2 Progress Point ParkwayO Fallon, MO 63368J1,217.00xxxxxxxxxxxxxxxxxxx1230Opened 12/01/05 Last Active 2/15/13EducationalSallie MaeAttn: Claims DepartmentPo Box 9500Wilkes-Barre, PA 18773H2,181.007,374.0023Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6F (Official Form 6F) (12/07) - Cont.CODEBTORCONTINGENTUNLIQUIDATEDDISPUTEDHusband, Wife, Joint, or CommunityHWJCCREDITOR'S NAME,MAILING ADDRESSINCLUDING ZIP CODE,AND ACCOUNT NUMBER(See instructions above.)Account No.Account No.Account No.Account No.Account No.Sheet no. _____ of _____ sheets attached to Schedule ofSubtotalCreditors Holding Unsecured Nonpriority Claims(Total of this page)DATE CLAIM WAS INCURRED ANDCONSIDERATION FOR CLAIM. IF CLAIMIS SUBJECT TO SETOFF, SO STATE.AMOUNT OF CLAIMSCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS(Continuation Sheet)Software Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case BankruptcyIn re,DebtorsCase No.Michael Yates,Jill E Yatesxxxxxxxxxxxxxxxxxxx0412Opened 4/01/06 Last Active 2/15/13EducationalSallie MaeAttn: Claims DepartmentPo Box 9500Wilkes-Barre, PA 18773H1,222.00xxxxxx3444Opened 3/30/05 Last Active 6/03/07Charge AccountService Merchandise/Samuel'sPo Box 182686Columbus, OH 43218HUnknownxxxxxx2751Opened 2/01/04 Last Active 2/01/04Charge AccountService Merchandise/Samuel'sPo Box 182686Columbus, OH 43218W0.001,222.003363,303.00Total(Report on Summary of Schedules)Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule G - Executory Contracts and Unexpired Leases}bk{In re,DebtorsCase No.Michael Yates,Jill E YatesB6G (Official Form 6G) (12/07)Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State natureof debtor's interest in contract, i.e., "Purchaser", "Agent", etc. State whether debtor is the lessor or lessee of a lease. Provide the names andcomplete 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 debtor has no executory contracts or unexpired leases.Name and Mailing Address, Including Zip Code,of Other Parties to Lease or ContractDescription of Contract or Lease and Nature of Debtor's Interest.State whether lease is for nonresidential real property.State contract number of any government contract.continuation sheets attached to Schedule of Executory Contracts and Unexpired LeasesSCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASESSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy0Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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}bk1{Schedule H - Codebtors}bk{In re,DebtorsCase No.Michael Yates,Jill E YatesB6H (Official Form 6H) (12/07)Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listedby debtor in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state,commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, orWisconsin) within the eight year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and ofany former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names usedby the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Check this box if debtor has no codebtors.NAME AND ADDRESS OF CODEBTORNAME AND ADDRESS OF CREDITORcontinuationsheetsattachedtoScheduleofCodebtorsSCHEDULE H - CODEBTORSSoftware Copyright (c) 1996-2013 - CCH INCORPORATED - www.bestcase.comBest Case Bankruptcy0Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6I (Official Form 6I) (12/07)In reMichael YatesJill E YatesCase No.Debtor(s)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 isfiled, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly incomecalculated on this form may differ from the current monthly income calculated on Form 22A, 22B, or 22C.Debtor's Marital Status:DEPENDENTS OF DEBTOR AND SPOUSEMarriedRELATIONSHIP(S):SonSonAGE(S):27Employment:DEBTORSPOUSEOccupationInsurance SalesAnalystName of EmployerYates Insurance AgencyTW Telecom Holdings Inc.How long employed3 years6 monthsAddress of Employer1153 Bryan Rd.O Fallon, MO 6336610475 Park Meadows DriveLittleton, CO 80124INCOME: (Estimate of average or projected monthly income at time case filed)DEBTORSPOUSE1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly)$0.00$5,041.682. Estimate monthly overtime$0.00$0.003. SUBTOTAL$0.00$5,041.684. LESS PAYROLL DEDUCTIONSa. Payroll taxes and social security$0.00$743.90b. Insurance$0.00$867.18c. Union dues$0.00$0.00d. Other (Specify):401K$0.00$252.09$0.00$0.005. SUBTOTAL OF PAYROLL DEDUCTIONS$0.00$1,863.176. TOTAL NET MONTHLY TAKE HOME PAY$0.00$3,178.517. Regular income from operation of business or profession or farm (Attach detailed statement)$10,680.81$0.008. Income from real property$0.00$0.009. Interest and dividends$0.00$0.0010. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that ofdependents listed above$0.00$0.0011. Social security or government assistance(Specify):VA Disability$252.00$0.00$0.00$0.0012. Pension or retirement income$0.00$0.0013. Other monthly income(Specify):$0.00$0.00$0.00$0.0014. SUBTOTAL OF LINES 7 THROUGH 13$10,932.81$0.0015. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14)$10,932.81$3,178.5116. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15)$14,111.32(Report also on Summary of Schedules and, if applicable, onStatistical Summary of Certain Liabilities and Related Data)17. Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:Case 13-42668 Doc 1 Filed 03/28/13 Entered 03/28/13 10:26:40 Main Document

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B6J (Official Form 6J) (12/07)In reMichael YatesJill E YatesCase No.Debtor(s)SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)Complete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family at timecase filed. Prorate any payments made bi-weekly, quarterly, semi-annually, or annually to show monthly rate. The average monthlyexpenses calculated on this form may differ from the deductions from income allowed on Form 22A or 22C.(cid:134)Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule ofexpenditures labeled "Spouse."1. Rent or home mortgage payment (include lot rented for mobile home)$1,285.00 a. Are real estate taxes included?Yes X No b. Is property insurance included?Yes X No 2. Utilities:a. Electricity and heating fuel$210.00b. Water and sewer$102.46c. Telephone$160.00d. OtherSee Detailed Expense Attachment$137.003. Home maintenance (repairs and upkeep)$200.004. Food$800.005. Clothing$125.006. Laundry and dry cleaning$25.007. Medical and dental expenses$30.008. Transportation (not including car payments)$475.009. Recreation, clubs and entertainment, newspapers, magazines, etc.$200.0010. Charitable contributions$0.0011. Insurance (not deducted from wages or included in home mortgage payments)a. Homeowner's or renter's$0.00b. Life$85.00c. Health$0.00d. Auto$136.00e. Other$0.0012. Taxes (not deducted from wages or included in home mortgage payments)(Specify)Personal Property$46.7513. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in theplan)a. Auto$490.00b. OtherCar payment$360.00c. Other$0.0014. Alimony, maintenance, and support paid to others$0.0015. Payments for support of additional dependents not living at your home$0.0016. Regular expenses from operation of business, profession, or farm (attach detailed statement)$9,354.4317. OtherDay Care$670.00 OtherStudent Loan$50.0018. 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.)$14,941.6419. Describe any increase or decrease in expenditures reasonably anticipated to occur within the yearfollowing the filing of this document:Day Care expenses will increase in the summer months20. STATEMENT OF MONTHLY NET INCOMEa.Average monthly income from Line 15 of Schedule I$14,111.32b.Average monthly expenses from Line 18 above$14,941.64c.Mo