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13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 1 of 46

B1 (Official Form 1) (04/13)

United States Bankruptcy Court
WESTERN DISTRICT OF TEXAS

SAN ANTONIO DIVISION

Voluntary Petition

Name of Debtor (if individual, enter Last, First, Middle):
Lai, Bay

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

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

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

xxx-xx-7932

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN)/Complete EIN (if more
than one, state all):
Street Address of Debtor (No. and Street, City, and State):
11216 Forest Pass Ct.
San Antonio, TX

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

County of Residence or of the Principal Place of Business:
Bexar
Mailing Address of Debtor (if different from street address):
11216 Forest Pass Ct.
San Antonio, TX

ZIP CODE
78233

ZIP CODE
78233

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

County of Residence or of the Principal Place of Business:

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

ZIP CODE

ZIP CODE

ZIP CODE

Type of Debtor
(Check one box.)

(Form of Organization)

Individual (includes Joint Debtors)
See Exhibit D on page 2 of this form.
Corporation (includes LLC and LLP)
Partnership
Other (If debtor is not one of the above entities, check
this box and state type of entity below.)

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

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

Filing Fee (Check one box.)

Full Filing Fee attached.

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

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

Statistical/Administrative Information

Debtor estimates that funds will be available for distribution to unsecured creditors.
Debtor estimates that, after any exempt property is excluded and administrative expenses paid,
there will be no funds available for distribution to unsecured creditors.

Estimated Number of Creditors

Nature of Business

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

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

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

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

Chapter 7
Chapter 9
Chapter 11
Chapter 12
Chapter 13

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

Nature of Debts
(Check one box.)

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

Debts are primarily
business debts.

Check one box:

Chapter 11 Debtors

Debtor is a small business debtor as defined by 11 U.S.C. § 101(51D).
Debtor is not a small business debtor as defined in 11 U.S.C. § 101(51D).

Check if:

Debtor's aggregate noncontigent liquidated debts (excluding debts owed to
insiders or affiliates) are less than $2,490,925 (amount subject to adjustment
on 4/01/16 and every three years thereafter).

Check all applicable boxes:

A plan is being filed with this petition.
Acceptances of the plan were solicited prepetition from one or more classes
of creditors, in accordance with 11 U.S.C. § 1126(b).

THIS SPACE IS FOR
COURT USE ONLY

1-49

50-99

100-199

200-999

1,000-
5,000

5,001-
10,000

10,001-
25,000

25,001-
50,000

50,001-
100,000

Over
100,000

$100,001 to
$500,000

$500,001
to $1 million

$1,000,001
to $10 million

$10,000,001
to $50 million

$50,000,001
to $100 million

$100,000,001
to $500 million

$500,000,001
to $1 billion

More than
$1 billion

Estimated Assets

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

$0 to
$50,000 $100,000

$50,001 to $100,001 to

$500,000

$500,001
to $1 million

$1,000,001
to $10 million

$10,000,001
to $50 million

$50,000,001
to $100 million

$100,000,001
to $500 million

$500,000,001
to $1 billion

More than
$1 billion

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13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 2 of 46

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

Name of Debtor(s):

Bay Lai

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

Page 2

Location Where Filed:
None
Location Where Filed:

Case Number:

Case Number:

Date Filed:

Date Filed:

Pending Bankruptcy Case Filed by any Spouse, Partner or Affiliate of this Debtor

(If more than one, attach additional sheet.)

Name of Debtor:
None
District:

Case Number:

Relationship:

Date Filed:

Judge:

Exhibit A

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

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

Exhibit B

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

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

X
Exhibit C

/s/ Jason W. Barger
Jason W. Barger

4/16/2013

Date

Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety?

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

(To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.)

Exhibit D, completed and signed by the debtor, is attached and made a part of this petition.

If this is a joint petition:

Exhibit D, also completed and signed by the joint debtor, is attached and made a part of this petition.

Exhibit D

Information Regarding the Debtor - Venue

(Check any applicable box.)

Debtor has been domiciled or has had a residence, principal place of business, or principal assets in this District for 180 days immediately
preceding the date of this petition or for a longer part of such 180 days than in any other District.

There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District.

Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in this District, or has no
principal place of business or assets in the United States but is a defendant in an action or proceeding [in a federal or state court] in this District,
or the interests of the parties will be served in regard to the relief sought in this District.

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

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

(Check all applicable boxes.)

(Name of landlord that obtained judgment)

(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)).

Computer software provided by LegalPRO Systems, Inc., San Antonio, Texas (210) 561-5300, Copyright 1996-2013 (Build 9.1.73.1, ID 0206244123)

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

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

I declare under penalty of perjury that the information provided in this petition is
true and correct.
[If petitioner is an individual whose debts are primarily consumer debts and has
chosen to file under chapter 7] I am aware that I may proceed under chapter 7,
11, 12 or 13 of title 11, United States Code, understand the relief available under
each such chapter, and choose to proceed under chapter 7.
[If no attorney represents me and no bankruptcy petition preparer signs the
petition] I have obtained and read the notice required by 11 U.S.C. § 342(b).

I request relief in accordance with the chapter of title 11, United States Code,
specified in this petition.

X /s/ Bay Lai
Bay Lai
X

Telephone Number (If not represented by attorney)
4/16/2013
Date

Signature of Attorney*

X /s/ Jason W. Barger
Jason W. Barger

Bar No. 24033655

The Barger Law Firm, PLLC
433 Kitty Hawk Rd. Ste. 221
Universal City, TX 78148

Phone No.______________________ Fax No.______________________

(210) 468-1886

(210) 200-8519

4/16/2013
Date

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

Signature of Debtor (Corporation/Partnership)

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

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

X

Signature of Authorized Individual

Printed Name of Authorized Individual

Title of Authorized Individual

Date

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 3 of 46

Name of Debtor(s):

Bay Lai

Signatures

Page 3

Signature of a Foreign Representative

I declare under penalty of perjury that the information provided in this petition is true
and correct, that I am the foreign representative of a debtor in a foreign proceeding,
and that I am authorized to file this petition.

(Check only one box.)

I request relief in accordance with chapter 15 of title 11, United States Code.
Certified copies of the documents required by 11 U.S.C. § 1515 are attached.

Pursuant to 11 U.S.C. § 1511, I request relief in accordance with the chapter of
title 11 specified in this petition. A certified copy of the order granting
recognition of the foreign main proceeding is attached.

X

(Signature of Foreign Representative)

(Printed Name of Foreign Representative)

Date

Signature of Non-Attorney Bankruptcy Petition Preparer
I declare under penalty of perjury that: (1) I am a bankruptcy petition preparer as
defined in 11 U.S.C. § 110; (2) I prepared this document for compensation and
have provided the debtor with a copy of this document and the notices and
information required under 11 U.S.C. §§ 110(b), 110(h), and 342(b); and, (3) if rules
or guidelines have been promulgated pursuant to 11 U.S.C. § 110(h) setting a
maximum fee for services chargeable by bankruptcy petition preparers, I have
given the debtor notice of the maximum amount before preparing any document
for filing for a debtor or accepting any fee from the debtor, as required in that
section. Official Form 19 is attached.

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

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

Address

X

Date

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

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

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

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

Computer software provided by LegalPRO Systems, Inc., San Antonio, Texas (210) 561-5300, Copyright 1996-2013 (Build 9.1.73.1, ID 0206244123)

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 4 of 46

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

In re:

Bay Lai

Debtor(s)

UNITED STATES BANKRUPTCY COURT

WESTERN DISTRICT OF TEXAS

SAN ANTONIO DIVISION

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 couseling
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. You must file a copy of a certificate from the agency describing the services provided to you and a copy of any
debt repayment plan developed through the agency no later than 14 days after your bankruptcy case is filed.

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.

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 5 of 46

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

In re:

Bay Lai

Debtor(s)

UNITED STATES BANKRUPTCY COURT

WESTERN DISTRICT OF TEXAS

SAN ANTONIO DIVISION

Case No.

(if known)

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT

Continuation Sheet No. 1

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 responsibilites.);

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/ Bay Lai
Bay Lai

Date:

4/16/2013

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 6 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE A - REAL PROPERTY

Description and

Location of
Property

Nature of Debtor's
Interest in Property

Current Value
of Debtor's
Interest in

Property, Without
Deducting Any
Secured Claim
or Exemption

Amount Of

Secured Claim

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House
11216 Forest Pass Court, Live Oak, Texas

Ownership

C

$128,000.00


$0.00


Total:
(Report also on Summary of Schedules)

$128,000.00

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 7 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

,
t

Type of Property

e
n
o
N

Description and Location of Property

1. Cash on hand.

Frost Bank Checking Account

Wells Fargo Checking Account


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

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

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

X






X



(4) Dining Chairs
(1) Dining Table
(1) Kenmore Microwave
(1) Kenmore Frig
(1) Kenmore Stove
(1) Coffee Maker
(2) Pictures on wall
(1) Set of China Plate
(1) Set of Silverware
(1) Coffee Pot

Kitchen










Misc. Plates and Bowels
Misc. Cooking Utensils
Misc. Pots and Pans

Living Room







(2) Sofas
(1) Coffee Table
(2) End Tables
(2) Lamps
(1) 42' Sony T.V
(1) Big Picture Frame

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Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

$1,273.30

$58.50













$5,200.00














$3,000.00







13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 8 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

Continuation Sheet No. 1

,
t

Type of Property

e
n
o
N

Description and Location of Property

(1) DVD Player
(2) Speakers

(1) Queen Bed
(1) Dresser
(1) Lamp
(1) 50in. Sony T.V




Master Bedroom





Kids Bedroom





(2) Full Bed one in each room
(2) Study Desk one in each room
(2) Lamps one in each room

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C





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

X




6. Wearing apparel.

7. Furs and jewelry.

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

Parents
Pants, shirts, shoes, etc...

Kids
Pants, shirts, shoes, etc...


Jewelry
(2) Rings, Necklace, (2) Watches





X


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

Whole Life Policy - MetLife









C


C



C






C




Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption




$5,000.00





$1,200.00










$200.00


$500.00



$3,400.00






$12,271.03




13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 9 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

Continuation Sheet No. 2

,
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Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

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Type of Property

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o
N

Description and Location of Property

10. Annuities. Itemize and name
each issuer.

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

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

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

14. Interests in partnerships or joint
ventures. Itemize.

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

16. Accounts receivable.

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

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

X


X







X



X



X


X



X

X




X













































































13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 10 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

Continuation Sheet No. 3

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Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

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Type of Property

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o
N

Description and Location of Property

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

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

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

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

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

X





X




X





X



X


24. Customer lists or other compilations X

containing personally identifiable

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

§ 101(41A)) provided to the debtor by

individuals in connection with obtaining

a product or service from the debtor

primarily for personal, family, or

household purposes.

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

1994 Toyota Pickup

1997 Honda Accord



































C

C



































$1,000.00

$1,200.00


13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 11 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE B - PERSONAL PROPERTY

Continuation Sheet No. 4

,
t

Type of Property

e
n
o
N

Description and Location of Property

2009 Subaru Forester


26. Boats, motors, and accessories.

27. Aircraft and accessories.

28. Office equipment, furnishings,
and supplies.

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

30. Inventory.

31. Animals.

32. Crops - growing or harvested.
Give particulars.

33. Farming equipment and
implements.

34. Farm supplies, chemicals, and
feed.

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

X

X

X


X


X

X

X


X


X


X


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Current Value of
Debtor's Interest

in Property,

Without Deducting

any Secured

Claim or
Exemption

$10,000.00




























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

4

Total >

$44,302.83

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 12 of 46

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

In re

Bay Lai

Case No.

(If known)

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT

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

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

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

Description of Property

Specify Law Providing Each

Exemption

Value of Claimed

Exemption

Current

Value of Property
Without Deducting

Exemption

House
11216 Forest Pass Court, Live Oak, Texas

Const. art. 16 §§ 50, 51, Texas Prop.
Code §§ 41.001-.002

Frost Bank Checking Account

Wells Fargo Checking Account

Kitchen
(4) Dining Chairs
(1) Dining Table
(1) Kenmore Microwave
(1) Kenmore Frig
(1) Kenmore Stove
(1) Coffee Maker
(2) Pictures on wall
(1) Set of China Plate
(1) Set of Silverware
(1) Coffee Pot
Misc. Plates and Bowels
Misc. Cooking Utensils
Misc. Pots and Pans

Living Room
(2) Sofas
(1) Coffee Table
(2) End Tables
(2) Lamps
(1) 42' Sony T.V

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(2)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(2)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(1), 42.001(b)(4)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(1), 42.001(b)(4)

$128,000.00


$1,273.30


$58.50


$5,200.00














$3,000.00






$128,000.00


$1,273.30


$58.50


$5,200.00














$3,000.00






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

$137,531.80

$137,531.80

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 13 of 46

B6C (Official Form 6C) (4/13) -- Cont.

In re

Bay Lai

Case No.

(If known)

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT

Continuation Sheet No. 1

Description of Property

Specify Law Providing Each

Exemption

Value of Claimed

Exemption

Current

Value of Property
Without Deducting

Exemption

(1) Big Picture Frame
(1) DVD Player
(2) Speakers

Master Bedroom
(1) Queen Bed
(1) Dresser
(1) Lamp
(1) 50in. Sony T.V

Kids Bedroom
(2) Full Bed one in each room
(2) Study Desk one in each room
(2) Lamps one in each room

Parents
Pants, shirts, shoes, etc...

Kids
Pants, shirts, shoes, etc...

Jewelry
(2) Rings, Necklace, (2) Watches

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(1), 42.001(b)(4)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(1), 42.001(b)(4)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(5)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(5)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(6)

Whole Life Policy - MetLife

Tex. Ins. Code §§ 1108.001, 1108.051

1994 Toyota Pickup

1997 Honda Accord

2009 Subaru Forester

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(9)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(9)

Tex. Prop. Code §§ 42.001(a), 42.002
(a)(9)





$5,000.00





$1,200.00




$200.00


$500.00


$3,400.00


$12,271.03

$1,000.00


$1,200.00


$10,000.00







$5,000.00





$1,200.00




$200.00


$500.00


$3,400.00


$12,271.03

$1,000.00


$1,200.00


$10,000.00



$172,302.83

$172,302.83

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 14 of 46

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

In re

Bay Lai

Case No.

(if known)

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

CREDITOR'S NAME AND

MAILING ADDRESS

INCLUDING ZIP CODE AND

AN ACCOUNT NUMBER
(See Instructions Above.)

R
O
T
B
E
D
O
C

,

I

T
N
O
J

,

E
F
W

I


,

D
N
A
B
S
U
H

I

Y
T
N
U
M
M
O
C
R
O



DATE CLAIM WAS

INCURRED, NATURE

OF LIEN, AND

DESCRIPTION AND

VALUE OF

PROPERTY SUBJECT

TO LIEN

UNSECURED
PORTION, IF

ANY

AMOUNT OF

CLAIM

WITHOUT
DEDUCTING
VALUE OF
COLLATERAL

T
N
E
G
N
T
N
O
C

I

I

D
E
T
A
D
U
Q
I
L
N
U

D
E
T
U
P
S
D

I

________________continuation sheets attached

No

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

$0.00
$0.00
(Report also on
Summary of
Schedules.)

$0.00
$0.00

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

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 15 of 46

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

Bay Lai

Case No.

(If Known)

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

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

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

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

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

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

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

Certain farmers and fishermen
Claims of certain farmers and fishermen, up to $6,150* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).

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

Taxes and Certain Other Debts Owed to Governmental Units
Taxes, customs duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. § 507(a)(8).

Commitments to Maintain the Capital of an Insured Depository Institution
Claims based on commitments to the FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors
of the Federal Reserve System, or their predecessors or successors, to maintain the capital of an insured depository institution. 11 U.S.C.
§ 507(a)(9).

Claims for Death or Personal Injury While Debtor Was Intoxicated
Claims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using
alcohol, a drug, or another substance. 11 U.S.C. § 507(a)(10).

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

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

________________continuation sheets attached

No

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 16 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

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

CREDITOR'S NAME,
MAILING ADDRESS

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

R
O
T
B
E
D
O
C

,

I

T
N
O
J

,

E
F
W

I


,

D
N
A
B
S
U
H

I

Y
T
N
U
M
M
O
C
R
O



DATE CLAIM WAS
INCURRED AND

CONSIDERATION FOR

CLAIM.

IF CLAIM IS SUBJECT TO

SETOFF, SO STATE.

xxxxxxxxxxxx0068

ACCT #:
BANK OF AMERICA
PO BOX 982235
EL PASO, TX 79998

xxxxxxxxxxxx2567

ACCT #:
BANK OF AMERICA
PO BOX 982235
EL PASO, TX 79998

xxxxxxxxxxx9522

ACCT #:
BARCLAYS BANK DELAWARE
125 S WEST ST
WILMINGTON, DE 19801

xxxxxxxxxxxx4576

ACCT #:
CAP ONE
PO BOX 85520
RICHMOND, VA 23285

xxxxxx-xxxxxx4534

ACCT #:
CAP1/BSTBY
26525 N RIVERWOODS BLVD
METTAWA, IL 60045

xxxxxx-xxxxxx5401

ACCT #:
CAP1/HLZBG
26525 N RIVERWOODS BLVD
METTAWA, IL 60045

04/28/2008

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

09/25/2009

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

05/11/2011

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

10/15/2012

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

10/16/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

10/15/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

C

C

C

C

C

C

AMOUNT OF

CLAIM

T
N
E
G
N
T
N
O
C

I

I

D
E
T
A
D
U
Q
I
L
N
U

D
E
T
U
P
S
D

I

$11,294.00

$8,331.00

$7,728.00

$1,124.00

$3,260.00

$13,097.00





































________________continuation sheets attached

3

Subtotal >

$44,834.00

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



13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 17 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

CREDITOR'S NAME,
MAILING ADDRESS

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

R
O
T
B
E
D
O
C

,

I

T
N
O
J

,

E
F
W

I


,

D
N
A
B
S
U
H

I

Y
T
N
U
M
M
O
C
R
O



DATE CLAIM WAS
INCURRED AND

CONSIDERATION FOR

CLAIM.

IF CLAIM IS SUBJECT TO

SETOFF, SO STATE.

xxxxxxxxxxxx3012

ACCT #:
CHASE
PO BOX 15298
WILMINGTON, DE 19850

xxxxxxxxxxxx9953

ACCT #:
CHASE
PO BOX 15298
WILMINGTON, DE 19850

xxxxxxxxxxxx4213

ACCT #:
CITI
PO BOX 6241
SIOUX FALLS, SD 57117

xxxxxxxxxxxx7070

ACCT #:
GECRB/DILLARDS DC
PO BOX 965024
ORLANDO, FL 32896

xxxxxxxxxxxx9264

ACCT #:
GECRB/JCP
PO BOX 984100
EL PASO, TX 79998

xxxxxxxxxxxx0412
ACCT #:
GECRB/JEWELRY CUSTOM
950 FORRER BLVD
KETTERING, OH 45420

08/08/2004

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

11/21/2011

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

09/14/2012

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

10/19/2012

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

07/09/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

10/16/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

C

C

C

C

C

C

AMOUNT OF

CLAIM

T
N
E
G
N
T
N
O
C

I

I

D
E
T
A
D
U
Q
I
L
N
U

D
E
T
U
P
S
D

I

$7,825.00

$3,380.00

$5,664.00

$1,604.00

$2,158.00

$8,562.00





































Subtotal >

$29,193.00



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

1

3

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

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 18 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

CREDITOR'S NAME,
MAILING ADDRESS

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

R
O
T
B
E
D
O
C

,

I

T
N
O
J

,

E
F
W

I


,

D
N
A
B
S
U
H

I

Y
T
N
U
M
M
O
C
R
O



DATE CLAIM WAS
INCURRED AND

CONSIDERATION FOR

CLAIM.

IF CLAIM IS SUBJECT TO

SETOFF, SO STATE.

xxxxxxxxxxxx9119

ACCT #:
GECRB/SAMS CLUB DC
PO BOX 965005
ORLANDO, FL 32896

xxxxxxxxxxxx9109

ACCT #:
KOHLS/CAPONE
N56 W 17000 RIDGEWOOD DR
MENOMONEE FALLS, WI 53051

xxxxxxxxx4020

ACCT #:
MCYDSNB
9111 DUKE BLVD
MASON, OH 45040

xxxxxxxxxxxx6770

ACCT #:
SEARS/CBNA
PO BOX 6282
SIOUX FALLS, SD 57117

xxxxx6945

ACCT #:
TNB - TARGET
PO BOX 673
MINNEAPOLIS, MN 55440

xxxxxx0857
ACCT #:
WELLS FARGO BANK
PO BOX 10438
DES MOINES, IA 50306

07/09/2006

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

05/21/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

06/19/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

10/14/2012

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

05/04/2012

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

10/02/2012

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

C

C

C

C

C

C

AMOUNT OF

CLAIM

T
N
E
G
N
T
N
O
C

I

I

D
E
T
A
D
U
Q
I
L
N
U

D
E
T
U
P
S
D

I

$10,316.00

$1,071.00

$3,468.00

$8,426.00

$2,652.00

$7,539.00





































Subtotal >

$33,472.00



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

3

2

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

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 19 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

CREDITOR'S NAME,
MAILING ADDRESS

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

R
O
T
B
E
D
O
C

,

I

T
N
O
J

,

E
F
W

I


,

D
N
A
B
S
U
H

I

Y
T
N
U
M
M
O
C
R
O



DATE CLAIM WAS
INCURRED AND

CONSIDERATION FOR

CLAIM.

IF CLAIM IS SUBJECT TO

SETOFF, SO STATE.

xxxxxxxxxxxx2688

ACCT #:
WELLS FARGO BANK
PO BOX 14517
DES MOINES, IA 50306

xxxxxxxxxxxx4662

ACCT #:
WFFNATLBNK
PO BOX 94498
LAS VEGAS, NV 89193

xxxxxxxxxxxx9194

ACCT #:
ZALE/CBNA
PO BOX 6497
SIOUX FALLS, SD 57117

01/25/2004

DATE INCURRED:
CONSIDERATION:
Unknown Loan Type
REMARKS:

10/16/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

10/17/2012

DATE INCURRED:
CONSIDERATION:
Charge Account
REMARKS:

C

C

C

AMOUNT OF

CLAIM

$6,917.00

$23,220.00

$850.00

T
N
E
G
N
T
N
O
C

I

I

D
E
T
A
D
U
Q
I
L
N
U

D
E
T
U
P
S
D

I



















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

3

3

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

Subtotal >

$30,987.00

$138,486.00

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 20 of 46

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

In re

Bay Lai

Case No.

(if known)

SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES

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

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

NAME AND MAILING ADDRESS, INCLUDING ZIP CODE,

OF OTHER PARTIES TO LEASE OR CONTRACT.

DESCRIPTION OF CONTRACT OR LEASE AND NATURE OF DEBTOR'S
INTEREST. STATE WHETHER LEASE IS FOR NONRESIDENTIAL REAL
PROPERTY. STATE CONTRACT NUMBER OF ANY GOVERNMENT
CONTRACT.

13-50989-rbk Doc#1 Filed 04/16/13 Entered 04/16/13 12:09:09 Main Document Pg 21 of 46

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

Bay Lai

Case No.

(if known)

SCHEDULE H - CODEBTORS

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

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

Lai N. Maria
11216 Forest Pass Ct.
San Antonio, TX 78233

NAME AND ADDRE