Court documents
Content
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B1 (Official Form 1)(04/13)
United States Bankruptcy Court
Voluntary Petition
Western District of Texas
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Name of Joint Debtor (Spouse) (Last, First, Middle):
Name of Debtor (if individual, enter Last, First, Middle):
Armes, Ronald Williams
Armes, Justina
All Other Names used by the Joint Debtor in the last 8 years
(include married, maiden, and trade names):
All Other Names used by the Debtor in the last 8 years
(include married, maiden, and trade names):
AKA Ron Armes; FDBA Medisurge LLC
Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN
Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN)/Complete EIN
(if more than one, state all)
(if more than one, state all)
xxx-xx-3084
xxx-xx-4955
Street Address of Joint Debtor (No. and Street, City, and State):
Street Address of Debtor (No. and Street, City, and State):
1941 Walter Raleigh
San Antonio, TX
1941 Walter Raleigh
San Antonio, TX
ZIP Code
ZIP Code
78239
78239
County of Residence or of the Principal Place of Business:
County of Residence or of the Principal Place of Business:
Bexar
Bexar
Mailing Address of Joint Debtor (if different from street address):
Mailing Address of Debtor (if different from street address):
ZIP Code
ZIP Code
Location of Principal Assets of Business Debtor
(if different from street address above):
Type of Debtor
Nature of Business
(Form of Organization) (Check one box)
(Check one box)
Individual (includes Joint Debtors)
Chapter of Bankruptcy Code Under Which
the Petition is Filed (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
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
Tax-Exempt Entity
Country of debtor's center of main interests:
(Check box, if applicable)
Debtor is a tax-exempt organization
under Title 26 of the United States
Code (the Internal Revenue Code).
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.
Chapter 7
Chapter 9
Chapter 11
Chapter 12
Chapter 13
(Check one box)
Debts are primarily consumer debts,
defined in 11 U.S.C. § 101(8) as
"incurred by an individual primarily for
a personal, family, or household purpose."
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
100199
200999
1,0005,000
5,00110,000
10,00125,000
25,00150,000
50,001100,000
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 $500,000,001 More than
to $500
to $1 billion $1 billion
million
$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 $500,000,001 More than
to $500
to $1 billion $1 billion
million
Estimated Assets
$0 to
$50,000
$50,001 to
$100,000
Estimated Liabilities
$0 to
$50,000
$50,001 to
$100,000
Debts are primarily
business debts.
Chapter 11 Debtors
Check 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 $2,490,925 (amount subject to adjustment on 4/01/16 and every three years thereafter).
Estimated Number of Creditors
5099
Chapter 15 Petition for Recognition
of a Foreign Nonmain Proceeding
Nature of Debts
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.
149
Chapter 15 Petition for Recognition
of a Foreign Main Proceeding
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B1 (Official Form 1)(04/13)
Page 2
Name of Debtor(s):
Armes, Ronald Williams
Armes, Justina
Voluntary Petition
(This page must be completed and filed in every case)
Location
Where Filed: - None -
All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet)
Case Number:
Date Filed:
Location
Where Filed:
Case Number:
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:
Case Number:
Date Filed:
- None District:
Relationship:
Judge:
Exhibit B
Exhibit A
(To be completed if debtor is an individual whose debts are primarily consumer debts.)
(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.)
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 delivered to the debtor the notice
required by 11 U.S.C. §342(b).
X
Exhibit A is attached and made a part of this petition.
/s/ J. Robert Vanhemelrijck
Signature of Attorney for Debtor(s)
February 20, 2014
(Date)
J. Robert Vanhemelrijck 24056468
Exhibit C
Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety?
Yes, and Exhibit C is attached and made a part of this petition.
No.
Exhibit 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 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.
Certification by a Debtor Who Resides as a Tenant of Residential Property
(Check all applicable boxes)
Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)
(Name of landlord that obtained judgment)
(Address of landlord)
Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure
the entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and
Debtor has included with this petition the deposit with the court of any rent that would become due during the 30-day period
after the filing of the petition.
Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).
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B1 (Official Form 1)(04/13)
Page 3
Voluntary Petition
(This page must be completed and filed in every case)
Signature(s) of Debtor(s) (Individual/Joint)
Name of Debtor(s):
Armes, Ronald Williams
Armes, Justina
Signatures
Signature of a Foreign Representative
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 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.
I request relief in accordance with the chapter of title 11, United States Code,
specified in this petition.
X
/s/ Ronald Williams Armes
Signature of Debtor Ronald Williams Armes
X
/s/ Justina Armes
Signature of Joint Debtor Justina Armes
X
Signature of Foreign Representative
Printed Name of Foreign Representative
Date
Telephone Number (If not represented by attorney)
Signature of Non-Attorney Bankruptcy Petition Preparer
February 20, 2014
Date
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.
Signature of Attorney*
X
/s/ J. Robert Vanhemelrijck
Signature of Attorney for Debtor(s)
J. Robert Vanhemelrijck 24056468
Printed Name of Attorney for Debtor(s)
Vanhemelrijck Law Offices, LP.
Firm Name
1100 N.W. Loop 410
Suite 215
San Antonio, TX 78213
Printed Name and title, if any, of Bankruptcy Petition Preparer
Social-Security number (If the bankrutpcy 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
Email: [email protected]
(210) 804-1529 Fax: (866) 830-3521
Telephone Number
February 20, 2014
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.
Address
X
Date
Signature of bankruptcy petition 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:
X
Signature of Authorized Individual
Printed Name of Authorized Individual
Title of Authorized Individual
Date
If more than one person prepared this document, attach additional sheets
conforming to the appropriate official form for each person.
A bankruptcy petition preparer’s failure to comply with the provisions of
title 11 and the Federal Rules of Bankruptcy Procedure may result in
fines or imprisonment or both. 11 U.S.C. §110; 18 U.S.C. §156.
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B 1D (Official Form 1, Exhibit D) (12/09)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH
CREDIT COUNSELING REQUIREMENT
Warning: You must be able to check truthfully one of the five statements regarding credit
counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court
can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your
creditors will be able to resume collection activities against you. If your case is dismissed and you file
another bankruptcy case later, you may be required to pay a second filing fee and you may have to take
extra steps to stop creditors' collection activities.
Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete
and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.
1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have
a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy
of any debt repayment plan developed through the agency.
2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do
not have a certificate from the agency describing the services provided to me. 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.
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Best Case Bankruptcy
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B 1D (Official Form 1, Exhibit D) (12/09) - Cont.
Page 2
4. I am not required to receive a credit counseling briefing because of: [Check the applicable
statement.] [Must be accompanied by a motion for determination by the court.]
Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or
mental deficiency so as to be incapable of realizing and making rational decisions with respect to
financial responsibilities.);
Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being
unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or
through the Internet.);
Active military duty in a military combat zone.
5. The United States trustee or bankruptcy administrator has determined that the credit counseling
requirement of 11 U.S.C. § 109(h) does not apply in this district.
I certify under penalty of perjury that the information provided above is true and correct.
Signature of Debtor:
Date:
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
/s/ Ronald Williams Armes
Ronald Williams Armes
February 20, 2014
Best Case Bankruptcy
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B 1D (Official Form 1, Exhibit D) (12/09)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH
CREDIT COUNSELING REQUIREMENT
Warning: You must be able to check truthfully one of the five statements regarding credit
counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court
can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your
creditors will be able to resume collection activities against you. If your case is dismissed and you file
another bankruptcy case later, you may be required to pay a second filing fee and you may have to take
extra steps to stop creditors' collection activities.
Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete
and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.
1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have
a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy
of any debt repayment plan developed through the agency.
2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do
not have a certificate from the agency describing the services provided to me. 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.
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
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B 1D (Official Form 1, Exhibit D) (12/09) - Cont.
Page 2
4. I am not required to receive a credit counseling briefing because of: [Check the applicable
statement.] [Must be accompanied by a motion for determination by the court.]
Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or
mental deficiency so as to be incapable of realizing and making rational decisions with respect to
financial responsibilities.);
Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being
unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or
through the Internet.);
Active military duty in a military combat zone.
5. The United States trustee or bankruptcy administrator has determined that the credit counseling
requirement of 11 U.S.C. § 109(h) does not apply in this district.
I certify under penalty of perjury that the information provided above is true and correct.
Signature of Debtor:
Date:
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
/s/ Justina Armes
Justina Armes
February 20, 2014
Best Case Bankruptcy
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B 6 Summary (Official Form 6 - Summary) (12/13)
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United States Bankruptcy Court
Western District of Texas
In re
Case No.
Ronald Williams Armes,
Justina Armes
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Debtors
Chapter
13
SUMMARY OF SCHEDULES
Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A,
B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtor’s assets.
Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtor’s liabilities. Individual debtors must
also complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.
NAME OF SCHEDULE
ATTACHED
(YES/NO)
NO. OF
SHEETS
ASSETS
LIABILITIES
OTHER
A - Real Property
Yes
1
192,000.00
B - Personal Property
Yes
4
108,419.06
C - Property Claimed as Exempt
Yes
2
D - Creditors Holding Secured Claims
Yes
2
246,993.00
E - Creditors Holding Unsecured
Priority Claims (Total of Claims on Schedule E)
Yes
2
10,000.00
F - Creditors Holding Unsecured
Nonpriority Claims
Yes
9
86,751.82
G - Executory Contracts and
Unexpired Leases
Yes
1
H - Codebtors
Yes
1
I - Current Income of Individual
Debtor(s)
Yes
2
8,859.59
J - Current Expenditures of Individual
Debtor(s)
Yes
3
6,384.59
Total Number of Sheets of ALL Schedules
27
Total Assets
300,419.06
Total Liabilities
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
343,744.82
Best Case Bankruptcy
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B 6 Summary (Official Form 6 - Summary) (12/13)
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United States Bankruptcy Court
Western District of Texas
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Chapter
Debtors
13
STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)
If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C.§ 101(8)), filing
a case under chapter 7, 11 or 13, you must report all information requested below.
Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to
report any information here.
This information is for statistical purposes only under 28 U.S.C. § 159.
Summarize the following types of liabilities, as reported in the Schedules, and total them.
Type of Liability
Amount
0.00
Domestic Support Obligations (from Schedule E)
Taxes and Certain Other Debts Owed to Governmental Units
(from Schedule E)
10,000.00
Claims for Death or Personal Injury While Debtor Was Intoxicated
(from Schedule E) (whether disputed or undisputed)
0.00
Student Loan Obligations (from Schedule F)
0.00
Domestic Support, Separation Agreement, and Divorce Decree
Obligations Not Reported on Schedule E
0.00
Obligations to Pension or Profit-Sharing, and Other Similar Obligations
(from Schedule F)
0.00
TOTAL
10,000.00
State the following:
Average Income (from Schedule I, Line 12)
8,859.59
Average Expenses (from Schedule J, Line 22)
6,384.59
Current Monthly Income (from Form 22A Line 12; OR,
Form 22B Line 11; OR, Form 22C Line 20 )
10,089.58
State the following:
1. Total from Schedule D, "UNSECURED PORTION, IF ANY"
column
2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY"
column
3. Total from Schedule E, "AMOUNT NOT ENTITLED TO
PRIORITY, IF ANY" column
0.00
9,700.00
300.00
4. Total from Schedule F
86,751.82
5. Total of non-priority unsecured debt (sum of 1, 3, and 4)
87,051.82
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Best Case Bankruptcy
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B6A (Official Form 6A) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE A - REAL PROPERTY
Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a
cotenant, community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable for
the 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 and
Unexpired 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 entity
claims to hold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim." If the debtor is an individual or
if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property Claimed as Exempt.
Description and Location of Property
HOMESTEAD:
Location: 1941 Walter Raleigh, San Antonio TX
78239
0
Nature of Debtor's
Interest in Property
Fee Simple
continuation sheets attached to the Schedule of Real Property
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Current Value of
Husband,
Debtor's Interest in
Wife,
Property, without
Joint, or
any Secured
Community Deducting
Claim or Exemption
C
192,000.00
Sub-Total >
192,000.00
Total >
192,000.00
Amount of
Secured Claim
159,801.00
(Total of this page)
(Report also on Summary of Schedules)
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B6B (Official Form 6B) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories, place
an "x" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identified
with the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital community
own the property by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor is an individual or a joint
petition is filed, state the amount of any exemptions claimed only in Schedule C - Property Claimed as Exempt.
Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and
Unexpired Leases.
If the property is being held for the debtor by someone else, state that person's name and address under "Description and Location of Property."
If the property is being held for a minor child, simply state the child's initials and the name and address of the child's parent or guardian, such as
"A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Type of Property
1.
Cash on hand
2.
Checking, savings or other financial
accounts, certificates of deposit, or
shares in banks, savings and loan,
thrift, building and loan, and
homestead associations, or credit
unions, brokerage houses, or
cooperatives.
N
O
N
E
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Description and Location of Property
X
Chase Checking 9572
C
114.87
Chase Savings 6819
C
789.87
Pentagon FCU Checking 8025 -27.90
C
0.00
Pentagon FCU Savings 2014 -1.00
C
0.00
RBFCU Savings
C
4.00
RBFCU Checking -404.08
C
0.00
RBFCU Business Savings
C
5.03
RBFCU Daughters Bank Account Checking -371.86
C
0.00
RBFCU Daughters Bank Account Savings 0671
C
5.00
Pentagon FCU Checking 4024 -53.18
C
0.00
Pentagon FCU Savings 8015
C
5.00
X
3.
Security deposits with public
utilities, telephone companies,
landlords, and others.
4.
Household goods and furnishings,
including audio, video, and
computer equipment.
All debtors' household furniture, appliances and
other small household itmes
C
1,000.00
5.
Books, pictures and other art
objects, antiques, stamp, coin,
record, tape, compact disc, and
other collections or collectibles.
Home decor
C
300.00
6.
Wearing apparel.
All debtors' household wearing apparel
C
400.00
7.
Furs and jewelry.
Jewelry
C
3,000.00
Sub-Total >
(Total of this page)
3
5,623.77
continuation sheets attached to the Schedule of Personal Property
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
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64
B6B (Official Form 6B) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
(Continuation Sheet)
Type of Property
N
O
N
E
8.
Firearms and sports, photographic,
and other hobby equipment.
9.
Interests in insurance policies.
Name insurance company of each
policy and itemize surrender or
refund value of each.
X
10. Annuities. Itemize and name each
issuer.
X
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).)
X
12. Interests in IRA, ERISA, Keogh, or
other pension or profit sharing
plans. Give particulars.
X
13. Stock and interests in incorporated
and unincorporated businesses.
Itemize.
14. Interests in partnerships or joint
ventures. Itemize.
X
15. Government and corporate bonds
and other negotiable and
nonnegotiable instruments.
X
16. Accounts receivable.
X
17. Alimony, maintenance, support, and
property settlements to which the
debtor is or may be entitled. Give
particulars.
X
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Description and Location of Property
2 firearms and hobby equipment
C
1,025.00
Medisurge LLC - shut down
Assets 2 laptops, 2 desktops
Liabilities
$50K SBA Loan
C
0.00
dba International Escapes - not doing business
just a membership for multilevel marketing
C
35.00
dba Advocate For Change Ministries - not doing
business
C
35.00
Sub-Total >
(Total of this page)
1,095.00
Sheet 1 of 3
continuation sheets attached
to the Schedule of Personal Property
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
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64
B6B (Official Form 6B) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
(Continuation Sheet)
Type of Property
N
O
N
E
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Description and Location of Property
18. Other liquidated debts owed to debtor X
including tax refunds. Give particulars.
19. Equitable or future interests, life
estates, and rights or powers
exercisable for the benefit of the
debtor other than those listed in
Schedule A - Real Property.
X
20. Contingent and noncontingent
interests in estate of a decedent,
death benefit plan, life insurance
policy, or trust.
X
21. Other contingent and unliquidated
claims of every nature, including
tax refunds, counterclaims of the
debtor, and rights to setoff claims.
Give estimated value of each.
X
22. Patents, copyrights, and other
intellectual property. Give
particulars.
23. Licenses, franchises, and other
general intangibles. Give
particulars.
X
24. Customer lists or other compilations
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.
X
25. Automobiles, trucks, trailers, and
other vehicles and accessories.
26. Boats, motors, and accessories.
2 poems
C
200.00
2010 GMC Yukon 38,000 miles
C
28,159.00
2008 Ford F350 Super Duty 106,200 miles - to pull
horse trailer - horses are for medical/therapeutic
reasons.
C
28,157.00
2005 Chevy Corvette
C
30,876.00
Uitility trailer
C
200.00
Horse trailer
C
1,600.00
Sub-Total >
(Total of this page)
89,192.00
Sheet 2 of 3
continuation sheets attached
to the Schedule of Personal Property
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 14 of
64
B6B (Official Form 6B) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
(Continuation Sheet)
Type of Property
N
O
N
E
27. Aircraft and accessories.
X
28. Office equipment, furnishings, and
supplies.
29. Machinery, fixtures, equipment, and
supplies used in business.
X
30. Inventory.
X
31. Animals.
32. Crops - growing or harvested. Give
particulars.
X
33. Farming equipment and
implements.
X
34. Farm supplies, chemicals, and feed.
X
35. Other personal property of any kind
not already listed. Itemize.
Description and Location of Property
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Business equipment
C
1,265.00
2 horses & 2 dogs
C
1,850.00
Personal tools and lawn equipment
C
500.00
Retirement Income -Husband
C
1,758.00
VA Income- Husband
C
3,088.00
VA Income -Wife
C
3,037.00
Caregiver Income-Wife
C
1,010.29
Sheet 3 of 3
continuation sheets attached
to the Schedule of Personal Property
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Sub-Total >
(Total of this page)
Total >
12,508.29
108,419.06
(Report also on Summary of Schedules)
Best Case Bankruptcy
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B6C (Official Form 6C) (4/13)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE C - PROPERTY CLAIMED AS EXEMPT
Debtor claims the exemptions to which debtor is entitled under:
(Check one box)
11 U.S.C. §522(b)(2)
11 U.S.C. §522(b)(3)
Description of Property
Real Property
HOMESTEAD:
Location: 1941 Walter Raleigh, San Antonio TX
78239
Check if debtor claims a homestead exemption that exceeds
$155,675. (Amount subject to adjustment on 4/1/16, and every three years thereafter
with respect to cases commenced on or after the date of adjustment.)
Specify Law Providing
Each Exemption
Value of
Claimed
Exemption
Current Value of
Property Without
Deducting Exemption
11 U.S.C. § 522(d)(1)
27,950.59
192,000.00
Checking, Savings, or Other Financial Accounts, Certificates of Deposit
Chase Checking 9572
11 U.S.C. § 522(d)(5)
114.87
114.87
Chase Savings 6819
11 U.S.C. § 522(d)(5)
789.87
789.87
RBFCU Savings
11 U.S.C. § 522(d)(5)
4.00
4.00
RBFCU Business Savings
11 U.S.C. § 522(d)(5)
5.03
5.03
RBFCU Daughters Bank Account Savings 0671
11 U.S.C. § 522(d)(5)
5.00
5.00
Pentagon FCU Savings 8015
11 U.S.C. § 522(d)(5)
5.00
5.00
Household Goods and Furnishings
All debtors' household furniture, appliances
and other small household itmes
11 U.S.C. § 522(d)(3)
1,000.00
1,000.00
Books, Pictures and Other Art Objects; Collectibles
Home decor
11 U.S.C. § 522(d)(3)
300.00
300.00
Wearing Apparel
All debtors' household wearing apparel
11 U.S.C. § 522(d)(3)
400.00
400.00
11 U.S.C. § 522(d)(4)
11 U.S.C. § 522(d)(5)
3,000.00
1,000.00
3,000.00
Firearms and Sports, Photographic and Other Hobby Equipment
2 firearms and hobby equipment
11 U.S.C. § 522(d)(5)
1,025.00
1,025.00
11 U.S.C. § 522(d)(5)
1.00
0.00
dba International Escapes - not doing business
just a membership for multilevel marketing
11 U.S.C. § 522(d)(5)
35.00
35.00
dba Advocate For Change Ministries - not doing
business
11 U.S.C. § 522(d)(5)
35.00
35.00
Patents, Copyrights and Other Intellectual Property
2 poems
11 U.S.C. § 522(d)(5)
200.00
200.00
Furs and Jewelry
Jewelry
Stock and Interests in Businesses
Medisurge LLC - shut down
Assets 2 laptops, 2 desktops
Liabilities
$50K SBA Loan
1
continuation sheets attached to Schedule of Property Claimed as Exempt
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
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64
B6C (Official Form 6C) (4/13) -- Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE C - PROPERTY CLAIMED AS EXEMPT
(Continuation Sheet)
Description of Property
Automobiles, Trucks, Trailers, and Other Vehicles
2010 GMC Yukon 38,000 miles
Specify Law Providing
Each Exemption
Value of
Claimed
Exemption
Current Value of
Property Without
Deducting Exemption
11 U.S.C. § 522(d)(5)
100.00
28,159.00
2008 Ford F350 Super Duty 106,200 miles - to
pull horse trailer - horses are for
medical/therapeutic reasons.
11 U.S.C. § 522(d)(2)
3,675.00
28,157.00
2005 Chevy Corvette
11 U.S.C. § 522(d)(2)
3,675.00
30,876.00
Boats, Motors and Accessories
Uitility trailer
11 U.S.C. § 522(d)(5)
200.00
200.00
Horse trailer
11 U.S.C. § 522(d)(5)
1,600.00
3,200.00
Office Equipment, Furnishings and Supplies
Business equipment
11 U.S.C. § 522(d)(5)
1,265.00
1,265.00
Animals
2 horses & 2 dogs
11 U.S.C. § 522(d)(3)
1,850.00
1,850.00
Other Personal Property of Any Kind Not Already Listed
Personal tools and lawn equipment
11 U.S.C. § 522(d)(5)
500.00
500.00
Retirement Income -Husband
11 U.S.C. § 522(d)(10)(B)
1,758.00
1,758.00
VA Income- Husband
11 U.S.C. § 522(d)(10)(B)
3,088.00
3,088.00
VA Income -Wife
11 U.S.C. § 522(d)(10)(B)
3,037.00
3,037.00
Caregiver Income-Wife
11 U.S.C. § 522(d)(9)
1,010.29
1,010.29
57,628.65
302,019.06
Sheet
1
of
1
Total:
continuation sheets attached to the Schedule of Property Claimed as Exempt
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 17 of
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B6D (Official Form 6D) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of
the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided
if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and
other security interests.
List creditors in alphabetical order to the extent practicable. If a minor child is 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 appropriate
schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H", "W", "J", or "C" in the column labeled "Husband, Wife, Joint, or Community".
If the claim is contingent, place an "X" in the column labeled "Contingent". If the claim is unliquidated, place an "X" in the column labeled "Unliquidated". If the
claim is disputed, place an "X" in the column labeled "Disputed". (You may need to place an "X" in more than one of these three columns.)
Total the columns labeled "Amount of Claim Without Deducting Value of Collateral" and "Unsecured Portion, if Any" in the boxes labeled "Total(s)" on the last
sheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual with
primarily consumer debts, report the total from the column labeled "Unsecured Portion" on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding secured claims to report on this Schedule D.
CREDITOR'S NAME
AND MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 1001675
Bexar County
c/o Donald P. Stecker
Linebarger Goggan Blair & Sampson,
LLP
711 Navaro, Suite 300
San Antonio, TX 78205
DATE CLAIM WAS INCURRED,
NATURE OF LIEN, AND
DESCRIPTION AND VALUE
OF PROPERTY
SUBJECT TO LIEN
1/1/2014
C
O
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D
AMOUNT OF
CLAIM
WITHOUT
DEDUCTING
VALUE OF
COLLATERAL
UNSECURED
PORTION, IF
ANY
0.00
0.00
28,159.00
0.00
159,601.00
0.00
30,876.00
0.00
218,636.00
0.00
Property Taxes
HOMESTEAD:
C Location: 1941 Walter Raleigh, San
Antonio TX 78239
Value $
192,000.00
Account No. 450008065
Opened 12/01/12 Last Active 12/03/13
Gm Financial
Po Box 181145
Arlington, TX 76096
910 PMSI
2010 GMC Yukon 38,000 miles
C
Value $
28,159.00
Account No. 708158331
Opened 9/01/11 Last Active 11/06/13
Ocwen Loan Servicing
3451 Hammond Ave
Waterloo, IA 50702
First Mortgage
HOMESTEAD:
C Location: 1941 Walter Raleigh, San
Antonio TX 78239
Value $
192,000.00
Account No. 58728010001109
Opened 10/01/11 Last Active 11/08/13
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
Purchase Money Security
2005 Chevy Corvette
C
Value $
1
_____
continuation sheets attached
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
30,876.00
Subtotal
(Total of this page)
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 18 of
64
B6D (Official Form 6D) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
(Continuation Sheet)
CREDITOR'S NAME
AND MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
DATE CLAIM WAS INCURRED,
NATURE OF LIEN, AND
DESCRIPTION AND VALUE
OF PROPERTY
SUBJECT TO LIEN
H
W
J
C
Account No. 58728010001312
Opened 5/01/13 Last Active 11/08/13
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
910 PMSI
C
O
N
T
I
N
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E
N
T
U
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U
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A
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D
D
I
S
P
U
T
E
D
AMOUNT OF
CLAIM
WITHOUT
DEDUCTING
VALUE OF
COLLATERAL
UNSECURED
PORTION, IF
ANY
28,157.00
0.00
200.00
0.00
28,357.00
0.00
246,993.00
0.00
2008 Ford F350 Super Duty 106,200
C miles - to pull horse trailer - horses are
for medical/therapeutic reasons.
Value $
Account No. 2886882
1/1/2014
Winn Brook Estates
300 E Sonterra Blvd Suite 350
San Antonio, TX 78258
HOA DUES
28,157.00
HOMESTEAD:
C Location: 1941 Walter Raleigh, San
Antonio TX 78239
Value $
192,000.00
Account No.
Value $
Account No.
Value $
Account No.
Value $
1
1
Sheet _____
of _____
continuation sheets attached to
Schedule of Creditors Holding Secured Claims
Subtotal
(Total of this page)
Total
(Report on Summary of Schedules)
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 19 of
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B6E (Official Form 6E) (4/13)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS
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 entitled
to priority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address, including zip code, and last four digits of the
account number, if any, of all entities holding priority claims against the debtor or the property of the debtor, as of the date of the filing of the petition. Use a separate
continuation sheet for each type of priority and label each with the type of priority.
The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do
so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian."
Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate
schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim is contingent, place an "X" in the
column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled
"Disputed." (You may need to place an "X" in more than one of these three columns.)
Report the total of claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E in the box labeled
"Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules.
Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts entitled to priority
listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total
also on the Statistical Summary of Certain Liabilities and Related Data.
Report the total of amounts not entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts not entitled to
priority listed on this Schedule E in the box labeled "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 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).
* 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.
1
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
continuation sheets attached
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 20 of
64
B6E (Official Form 6E) (4/13) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS
(Continuation Sheet)
Taxes and Certain Other Debts
Owed to Governmental Units
TYPE OF PRIORITY
CREDITOR'S NAME,
AND MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 1491
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
DATE CLAIM WAS INCURRED
AND CONSIDERATION FOR CLAIM
Owed taxes
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT
OF CLAIM
AMOUNT NOT
ENTITLED TO
PRIORITY, IF ANY
AMOUNT
ENTITLED TO
PRIORITY
300.00
C
10,000.00
9,700.00
Account No.
Account No.
Account No.
Account No.
1
1
Sheet _____
of _____
continuation sheets attached to
Schedule of Creditors Holding Unsecured Priority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
300.00
(Total of this page)
10,000.00
Total
(Report on Summary of Schedules)
10,000.00
9,700.00
300.00
9,700.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 21 of
64
B6F (Official Form 6F) (12/07)
}
n
b
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e
1
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{
u
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N
o
l
p
F
i
C
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y
a
m
H
g
U
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without priority against the
debtor or the property of the debtor, as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the
trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's
parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Do not
include claims listed in Schedules D and E. If all creditors will not fit on this page, use the continuation sheet provided.
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate
schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community."
If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the
claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)
Report 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 of
Schedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 1886
ACB Recovery
5351 Winston Ave
Latonia, KY 41015
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
For Notice
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
0.00
Account No. 7707090000503724
American Finco Financial
425 N Martingale Rd Ste
Schaumburg, IL 60173
Opened 4/01/06 Last Active 7/24/06
Charge Account
C
0.00
Account No. 52304653371
American Medical Collection Agency
4 Westchester Plaza Suite 110
Elmsford, NY 10523
For Notice
C
0.00
Account No.
Attorney General
Child Support
P.O. Box 12017
Austin, TX 78711
For notice only
C
0.00
_____
8
continuation sheets attached
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
S/N:37114-131212
0.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 22 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 4800134026653635
Bank Of America
Po Box 982235
El Paso, TX 79998
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 2/01/08 Last Active 1/02/14
Credit Card
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
W
1,505.00
Account No. 6011549106887995
Citi bank
CitiCards Private Label Bankruptcy
Po Box 20483
Kansas City, MO 64195
Opened 12/01/09 Last Active 12/13/13
Charge Account/NTB
H
817.00
Settled
Account No.
Citi bank
CitiCards Private Label Bankruptcy
Po Box 20483
Kansas City, MO 64195
C
X
Unknown
Account No. 6074340917155978
Citifinancial
605 Munn Road
Fort Mill, SC 29715
Opened 2/01/07 Last Active 1/22/08
Unsecured
H
0.00
Account No.
Clinical Pathology Associates
PO Box 28770
Austin, TX 78755-8770
Services
C
271.75
Sheet no. _____
of _____
sheets attached to Schedule of
1
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
2,593.75
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 23 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 5856372445724666
Comenity Bank
Attention: Bankruptcy
P.O. Box 182686
Columbus, OH 43218
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 8/01/11 Last Active 4/03/13
Charge Account/Dress Barn
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
W
0.00
Account No. 6978005006479327
Comenity Bank
4590 E Broad St
Columbus, OH 43213
Opened 6/01/09 Last Active 1/31/13
Charge Account/lnbryant
W
0.00
Account No. 102594592
Credit Systems Intl In
1277 Country Club Ln
Fort Worth, TX 76112
Opened 1/01/09 Last Active 7/08/09
For Notice-Collection Attorney River City
Emergency Physici
W
0.00
Account No. 2674359
Crestwind
Willmon Way
San Antonio, TX 78239
Apartments
C
1,843.00
Account No. ACT15315924
DECA Financial Services LLC
PO box 505
Linden, MI 48451-0505
For Notice
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
2
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
1,843.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 24 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 6830739541931
Encore Receivable Management Inc
400 N rogers Road
Olathe, KS 66063-3330
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
For Notice
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
0.00
For notice only
Account No.
Equifax
PO Box 740241
Atlanta, GA 30374
C
0.00
For notice only
Account No.
Experian
PO Box 9701
Allen, TX 75013
C
0.00
Account No. 30178289
FMA Alliance LTD
12339 Cutten Road
Houston, TX 77066
For Notice
C
0.00
Account No.
Freedom Mortgatge
POBox 780
Waterloo, IA 50704
Notice only - for mortgage
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
3
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
0.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 25 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 6019183225092550
GE Capital Retail Bank
Attn: bankruptcy
Po Box 103104
Roswell, GA 30076
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 1/01/12 Last Active 10/23/13
Charge Account/Care Credit
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
1,774.00
For notice only
Account No.
HUD
615 East Houston Street, Suite 347
San Antonio, TX 78205
C
0.00
Medical
Account No.
Inpatient Consultants
7330 San Pedro Ave
San Antonio, TX 78216
C
646.00
For notice only
Account No.
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
C
0.00
Account No. 6978005006479327
Lane Bryant Retail/soa
450 Winks Ln
Bensalem, PA 19020
Opened 6/01/09 Last Active 12/17/09
Credit Card
W
Unknown
Sheet no. _____
of _____
sheets attached to Schedule of
4
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
2,420.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 26 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 46306660
Lincoln Automotive Financial
12110 Emmet St
Omaha, NE 68164
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 3/01/11 Last Active 5/03/13
Automobile
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
H
14,579.00
Account No. 6019440601262425
Military Star
3911 S Walton Walker Blv
Dallas, TX 75236
Opened 11/01/98 Last Active 1/02/14
Charge Account
H
1,775.07
Account No. 2819895
National Credit System
Attn: Bankruptcy
Po Box 312125
Atlanta, GA 31131
Opened 10/01/13
For Notice-Collection Attorney Crestwind
C
0.00
Account No. 2674359
National Credit System
Attn: Bankruptcy
Po Box 312125
Atlanta, GA 31131
Opened 1/01/13 Last Active 12/11/13
For Notice-Collection Attorney Crestwind
H
0.00
Account No. 31904944
Nco Financial/38
2360 Campbell Crk Ste 50
Richardson, TX 75082
Opened 12/01/07
For Notice-Collection Attorney Inpatient
Consultants
H
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
5
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
16,354.07
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 27 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 31904948
Nco Financial/38
2360 Campbell Crk Ste 50
Richardson, TX 75082
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 12/01/07
For NoticeCollection Attorney Inpatient
Consultants
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
H
0.00
Account No. 4071540045982916
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
Opened 12/01/07 Last Active 1/02/14
Loan
C
14,541.00
Account No. 588444-6001
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
Business Loan
C
49,000.00
Medical
Account No.
River City Federal Credit Union
610 Augusta Street
San Antonio, TX 78215
C
0.00
Account No.
Texas Comptroller
PO Box 13528
Austin, TX 78711-3528
For notice only
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
6
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
63,541.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 28 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Services
Account No.
Texas Department of Transportation
9320 SE Loop 410
San Antonio, TX 78223
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
Unknown
For notice only
Account No.
Texas Workforce Commission
101 E 15th Room 370
Austin, TX 78701
C
0.00
For notice only
Account No.
United States Attorney
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
C
0.00
For notice only
Account No.
United States Attorney
SOCIAL SECURITY ADMINISTRATION
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
C
0.00
Account No.
United States Attorney
IRS/HUD/VA/Department of Education
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
For notice only
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
7
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
0.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 29 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
For notice only
Account No.
United States Attorney General
Department of Justice
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
0.00
For notice only
Account No.
United States Attorney General
IRS/HUD/VA/Department of Education
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
C
0.00
For notice only
Account No.
United States Attorney General
SOCIAL SECURITY ADMINISTRATION
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
C
0.00
For notice only
Account No.
VA Regional Office
Office of District Counsel
2515 Murworth Drive
Houston, TX 77054
C
0.00
Account No. 5101036
Vengroff Williams Inc
PO Box 5155
Sarasota, FL 34230-4155
For Notice
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
8
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
0.00
Total
(Report on Summary of Schedules)
86,751.82
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 30 of
64
B6G (Official Form 6G) (12/07)
a
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n
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d
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{
S
e
c
x
h
p
i
r
u
l
L
G
s
E
t
o
y
C
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
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 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 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.
0
continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
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B6H (Official Form 6H) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
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 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
NAME AND ADDRESS OF CREDITOR
0
continuation sheets attached to Schedule of Codebtors
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Fill in this information to identify your case:
Debtor 1
Ronald Williams Armes
Debtor 2
Justina Armes
(Spouse, if filing)
United States Bankruptcy Court for the:
WESTERN DISTRICT OF TEXAS
Case number
Check if this is:
An amended filing
A supplement showing post-petition chapter
13 income as of the following date:
(If known)
Official Form B 6I
Schedule I: Your Income
MM / DD/ YYYY
12/13
Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for
supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your
spouse. If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed,
attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.
Part 1:
1.
Describe Employment
Fill in your employment
information.
If you have more than one job,
attach a separate page with
information about additional
employers.
Include part-time, seasonal, or
self-employed work.
Occupation may include student
or homemaker, if it applies.
Debtor 1
Employment status
Occupation
Debtor 2 or non-filing spouse
Employed
Employed
Not employed
Not employed
Retired
Retired
Employer's name
Employer's address
How long employed there?
Part 2:
Give Details About Monthly Income
Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing
spouse unless you are separated.
If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need
more space, attach a separate sheet to this form.
For Debtor 1
For Debtor 2 or
non-filing spouse
2.
List monthly gross wages, salary, and commissions (before all payroll
deductions). If not paid monthly, calculate what the monthly wage would be.
2.
$
0.00
$
0.00
3.
Estimate and list monthly overtime pay.
3.
+$
0.00
+$
0.00
4.
Calculate gross Income. Add line 2 + line 3.
4.
$
Official Form B 6I
Schedule I: Your Income
0.00
$
0.00
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Debtor 1
Debtor 2
Ronald Williams Armes
Justina Armes
Case number (if known)
For Debtor 1
Copy line 4 here
5.
4.
$
0.00
For Debtor 2 or
non-filing spouse
$
0.00
5a.
5b.
5c.
5d.
5e.
5f.
5g.
5h.+
$
$
$
$
$
$
$
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 +
$
$
$
$
$
$
$
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
List all payroll deductions:
5a.
5b.
5c.
5d.
5e.
5f.
5g.
5h.
Tax, Medicare, and Social Security deductions
Mandatory contributions for retirement plans
Voluntary contributions for retirement plans
Required repayments of retirement fund loans
Insurance
Domestic support obligations
Union dues
Other deductions. Specify:
6.
Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h.
6.
$
0.00
$
0.00
7.
Calculate total monthly take-home pay. Subtract line 6 from line 4.
7.
$
0.00
$
0.00
8.
List all other income regularly received:
8a. Net income from rental property and from operating a business,
profession, or farm
Attach a statement for each property and business showing gross
receipts, ordinary and necessary business expenses, and the total
monthly net income.
8b. Interest and dividends
8c. Family support payments that you, a non-filing spouse, or a dependent
regularly receive
Include alimony, spousal support, child support, maintenance, divorce
settlement, and property settlement.
8d. Unemployment compensation
8e. Social Security
8f.
Other government assistance that you regularly receive
Include cash assistance and the value (if known) of any non-cash assistance
that you receive, such as food stamps (benefits under the Supplemental
Nutrition Assistance Program) or housing subsidies.
Specify: VA Income
8a.
8b.
$
$
0.00
0.00
$
$
0.00
0.00
8c.
8d.
8e.
$
$
$
0.00
0.00
0.00
$
$
$
0.00
0.00
0.00
8f.
$
$
$
3,017.60
0.00
1,813.00
$
$
$
3,017.60
1,011.38
0.00
0.00 + $
0.01
Caregiver Income - VA
9.
8g.
Pension or retirement income
8g.
8h.
Social Security - Non-CMI
Other monthly income. Specify: $1,304.90
8h.+ $
Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h.
9.
10. Calculate monthly income. Add line 7 + line 9.
Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse.
10. $
$
4,830.60
4,830.60 + $
$
4,028.99
4,028.99 = $
8,859.59
11. State all other regular contributions to the expenses that you list in Schedule J.
Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and
other friends or relatives.
Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.
Specify:
11. +$
0.00
12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income.
Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it
applies
12.
$
8,859.59
Combined
monthly income
13. Do you expect an increase or decrease within the year after you file this form?
No.
Yes. Explain:
Official Form B 6I
Schedule I: Your Income
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Fill in this information to identify your case:
Debtor 1
Ronald Williams Armes
Debtor 2
(Spouse, if filing)
Justina Armes
United States Bankruptcy Court for the:
Check if this is:
An amended filing
A supplement showing post-petition chapter 13
expenses as of the following date:
WESTERN DISTRICT OF TEXAS
MM / DD / YYYY
Case number
(If known)
A separate filing for Debtor 2 because Debtor 2
maintains a separate household
Official Form B 6J
Schedule J: Your Expenses
12/13
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case number
(if known). Answer every question.
Part 1:
Describe Your Household
1. Is this a joint case?
No. Go to line 2.
Yes. Does Debtor 2 live in a separate household?
No
Yes. Debtor 2 must file a separate Schedule J.
2.
Do you have dependents?
Do not list Debtor 1 and
Debtor 2.
No
Yes. Fill out this information for
each dependent...........
Dependent’s relationship to
Debtor 1 or Debtor 2
Dependent’s
age
Does dependent
live with you?
No
Yes
No
Yes
No
Yes
No
Yes
Do not state the dependents'
names.
3.
Do your expenses include
expenses of people other than
yourself and your dependents?
No
Yes
Part 2:
Estimate Your Ongoing Monthly Expenses
Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report
expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the
applicable date.
Include expenses paid for with non-cash government assistance if you know the value of
such assistance and have included it on Schedule I: Your Income (Official Form 6I.)
4.
The rental or home ownership expenses for your residence. Include first mortgage payments
and any rent for the ground or lot.
Your expenses
4. $
919.00
If not included in line 4:
5.
4a.
Real estate taxes
4b.
Property, homeowner’s, or renter’s insurance
4c.
Home maintenance, repair, and upkeep expenses
4d.
Homeowner’s association or condominium dues
Additional mortgage payments for your residence, such as home equity loans
Official Form B 6J
Schedule J: Your Expenses
4a.
4b.
4c.
4d.
5.
$
$
$
$
$
0.00
0.00
200.00
20.00
0.00
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Ronald Williams Armes
Justina Armes
Debtor 1
Debtor 2
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
Case number (if known)
Utilities:
6a.
Electricity, heat, natural gas
6b.
Water, sewer, garbage collection
6c.
Telephone, cell phone, Internet, satellite, and cable services
6d.
Other. Specify: Cell phone & mobile internet
Food and housekeeping supplies
Childcare and children’s education costs
Clothing, laundry, and dry cleaning
Personal care products and services
Medical and dental expenses
Transportation. Include gas, maintenance, bus or train fare.
Do not include car payments.
Entertainment, clubs, recreation, newspapers, magazines, and books
Charitable contributions and religious donations
Insurance.
Do not include insurance deducted from your pay or included in lines 4 or 20.
15a. Life insurance
15b. Health insurance
15c. Vehicle insurance
15d. Other insurance. Specify: Tricare
$
$
$
$
$
$
$
$
$
330.00
100.95
225.00
296.00
1,100.00
0.00
255.00
120.00
112.00
12. $
13. $
14. $
925.00
180.00
450.00
6a.
6b.
6c.
6d.
7.
8.
9.
10.
11.
15a.
15b.
15c.
15d.
Trailer Insurance
0.00
0.00
620.00
23.00
40.00
$
$
$
$
$
16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.
Specify:
16. $
17. Installment or lease payments:
17a. Car payments for Vehicle 1
17a. $
17b. Car payments for Vehicle 2
17b. $
17c. Other. Specify:
17c. $
17d. Other. Specify:
17d. $
18. Your payments of alimony, maintenance, and support that you did not report as deducted
18. $
from your pay on line 5, Schedule I, Your Income (Official Form 6I).
19. Other payments you make to support others who do not live with you.
$
Specify:
19.
20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.
20a. Mortgages on other property
20a. $
20b. Real estate taxes
20b. $
20c. Property, homeowner’s, or renter’s insurance
20c. $
20d. Maintenance, repair, and upkeep expenses
20d. $
20e. Homeowner’s association or condominium dues
20e. $
21. Other: Specify:
21. +$
SBP Cost and VA Waiver
+$
Pet maintenance (2 dogs, 1 is 15 years old)
+$
Vet & medical plan
+$
GYM
+$
Horse - Debtor has PTSD - Therapy
22. Your monthly expenses. Add lines 4 through 21.
The result is your monthly expenses.
23. Calculate your monthly net income.
23a. Copy line 12 (your combined monthly income) from Schedule I.
23b. Copy your monthly expenses from line 22 above.
23c.
Subtract your monthly expenses from your monthly income.
The result is your monthly net income.
22.
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
118.64
100.00
90.00
40.00
120.00
6,384.59
23a. $
23b. -$
8,859.59
6,384.59
23c. $
2,475.00
24. Do you expect an increase or decrease in your expenses within the year after you file this form?
For example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a modification to the terms of
your mortgage?
No.
Yes. Explain:
Home maintenance is higher as both Debtors have bad knees and are disabled.
Both Debtors have special dietary needs due to medical reasons.
Debtor's vehicles are high fuel consumption vehicle.
Official Form B 6J
Schedule J: Your Expenses
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B6 Declaration (Official Form 6 - Declaration). (12/07)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
DECLARATION CONCERNING DEBTOR'S SCHEDULES
DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR
I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of
sheets, and that they are true and correct to the best of my knowledge, information, and belief.
Date February 20, 2014
Signature
29
/s/ Ronald Williams Armes
Ronald Williams Armes
Debtor
Date February 20, 2014
Signature
/s/ Justina Armes
Justina Armes
Joint Debtor
Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both.
18 U.S.C. §§ 152 and 3571.
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B7 (Official Form 7) (04/13)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
STATEMENT OF FINANCIAL AFFAIRS
This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for
both spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or
not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole
proprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all such
activities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the
name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11
U.S.C. § 112; Fed. R. Bankr. P. 1007(m).
Questions 1 - 18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete
Questions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer
to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.
DEFINITIONS
"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in
business" for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of
the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner,
other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be "in business"
for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the
debtor's primary employment.
"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;
corporations of which the debtor is an officer, director, or person in control; officers, directors, and any persons in control of a corporate debtor and
their relatives; affiliates of the debtor and insiders of such affiliates; and any managing agent of the debtor. 11 U.S.C. § 101(2), (31).
1. Income from employment or operation of business
None
State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's
business, including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar
year to the date this case was commenced. State also the gross amounts received during the two years immediately preceding this
calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may
report fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT
$16,603.00
SOURCE
2012: Both Employment Income
$7,200.00
2012: Debtor Gross Business Receipts
2. Income other than from employment or operation of business
None
State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business
during the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT
$3,516.00
SOURCE
2014 YTD: Mil Retirement
$6,176.00
2014 YTD: Debtor VA Benefits
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B7 (Official Form 7) (04/13)
2
AMOUNT
$6,074.00
SOURCE
2014 YTD: Joint Dbt VA Benefits
$2,020.58
2014 YTD: Joint Dbt Caregiver Income
$21,130.00
2013: Mil Retirement
$21,695.00
2012: Military Retirement
$14,759.00
2012: Wife SSI Benefits
$12,123.48
2013: Joint Dbt Caregiver Income
$12,123.48
2012: Joint Dbt Caregiver Income
$37,056.00
2013: Debtor VA Benefits
$37,056.00
2012: Debtor VA Benefits
$36,444.00
2013: Joint Dbt VA Benefits
$36,444.00
2012: Joint Dbt VA Benefits
$13,752.00
2013 Wife Social Security
$2,292.00
2014 Wife Social Security
3. Payments to creditors
None
Complete a. or b., as appropriate, and c.
a. Individual or joint debtor(s) with primarily consumer debts: List all payments on loans, installment purchases of goods or
services, and other debts to any creditor made within 90 days immediately preceding the commencement of this case unless the
aggregate value of all property that constitutes or is affected by such transfer is less than $600. Indicate with an asterisk (*) any
payments that were made to a creditor on account of a domestic support obligation or as part of an alternative repayment schedule under
a plan by an approved nonprofit budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must
include payments by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is
not filed.)
NAME AND ADDRESS
OF CREDITOR
Pentagon Federal Cr Un
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
DATES OF
PAYMENTS
1/2014-$600.00
12/2013-$350.00
11/2013-$350.00
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
1/2014-$653.00
12/2013-$653.00
11/2013-$653.00
$1,959.00
$30,876.00
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
1/2014-$673.00
12/2013-$673.00
11/2013-$673.00
$2,019.00
$28,157.00
Gm Financial
Po Box 181145
Arlington, TX 76096
1/2014-$601.00
12/2013-$601.00
11/2013-$601.00
$1,803.00
$28,159.00
Ocwen Loan Servicing L
3451 Hammond Ave
Waterloo, IA 50702
1/2014-$818.00
12/2013-$818.00
11/2013-$818.00
$2,454.00
$159,601.00
None
*
AMOUNT PAID
$1,300.00
AMOUNT STILL
OWING
$14,541.00
b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days
immediately preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such
transfer is less than $6,225*. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on
account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit
budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments and other
transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
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B7 (Official Form 7) (04/13)
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NAME AND ADDRESS OF CREDITOR
None
AMOUNT
PAID OR
VALUE OF
TRANSFERS
DATES OF
PAYMENTS/
TRANSFERS
AMOUNT STILL
OWING
c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of
creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF CREDITOR AND
RELATIONSHIP TO DEBTOR
Valarie Foye
DATE OF PAYMENT
$500.00
AMOUNT PAID
$500.00
AMOUNT STILL
OWING
$1,000.00
Sister - Family Gift/Loan
4. Suits and administrative proceedings, executions, garnishments and attachments
None
a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of
this bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
CAPTION OF SUIT
AND CASE NUMBER
None
NATURE OF
PROCEEDING
COURT OR AGENCY
AND LOCATION
STATUS OR
DISPOSITION
b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND ADDRESS OF PERSON FOR WHOSE
BENEFIT PROPERTY WAS SEIZED
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
DATE OF SEIZURE
1/2014 & 12/2013
DESCRIPTION AND VALUE OF
PROPERTY
IRS Garnishment
1/2014-$800.00
12/2013-$600.00
5. Repossessions, foreclosures and returns
None
List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or
returned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12
or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF
CREDITOR OR SELLER
Lincoln Automotive Financial
12110 Emmet St
Omaha, NE 68164
DATE OF REPOSSESSION,
FORECLOSURE SALE,
TRANSFER OR RETURN
6/2013
DESCRIPTION AND VALUE OF
PROPERTY
REPO/SURRENDER-2010 Lincoln MKS $32,000
6. Assignments and receiverships
None
a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of
this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a
joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF ASSIGNEE
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DATE OF
ASSIGNMENT
TERMS OF ASSIGNMENT OR SETTLEMENT
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None
b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND ADDRESS
OF CUSTODIAN
NAME AND LOCATION
OF COURT
CASE TITLE & NUMBER
DATE OF
ORDER
DESCRIPTION AND VALUE OF
PROPERTY
7. Gifts
None
List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary
and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions
aggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by
either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF
PERSON OR ORGANIZATION
Church
RELATIONSHIP TO
DEBTOR, IF ANY
Logan C. Armes
162 Brackenridge Rd
North Augusta, SC 29841
Daughter in School
DATE OF GIFT
$450.00/mth avg
12/2013
DESCRIPTION AND
VALUE OF GIFT
$450.00/mth avg
Purchased & gave to her:
2004 PT Cruiser $6000.00
8. Losses
None
List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or
since the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
DESCRIPTION AND VALUE
OF PROPERTY
DESCRIPTION OF CIRCUMSTANCES AND, IF
LOSS WAS COVERED IN WHOLE OR IN PART
BY INSURANCE, GIVE PARTICULARS
DATE OF LOSS
9. Payments related to debt counseling or bankruptcy
None
List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation
concerning debt consolidation, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediately
preceding the commencement of this case.
DATE OF PAYMENT,
NAME OF PAYER IF OTHER
THAN DEBTOR
2/12/2014
AMOUNT OF MONEY
OR DESCRIPTION AND VALUE
OF PROPERTY
$200.00 ATTORNEY FEES
Court Filing Fee
1/2014
$281.00 COURT FILING FEE
CINLegal.com
1/2014
$133.00 CREDIT REPORT AND
DEBTOR EDUCATION
COURSES
NAME AND ADDRESS
OF PAYEE
Vanhemelrijck Law Offices, LP.
1100 N.W. Loop 410
Suite 215
San Antonio, TX 78213
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10. Other transfers
None
a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor,
transferred either absolutely or as security within two years immediately preceding the commencement of this case. (Married debtors
filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF TRANSFEREE,
RELATIONSHIP TO DEBTOR
Ken Motor Sports
15664 IH 35 N
San Antonio, TX 78254
DATE
6/28/2012
DESCRIBE PROPERTY TRANSFERRED
AND VALUE RECEIVED
Sale-Yamaha 1300 Cruiser
$3,000.00 - paid off secured loan on bike.
Logan C. Armes
162 Brackenridge Rd
North Augusta, SC 29841
19 year old Daughter in school
12/17/2013
Purchased & gave to her: 2004 PT Cruiser
$6000.00
Bluebonnet Motors
351 N i35
New Braunfels, TX 78130
TRADE IN
5/2013
2004 Ford Superduty
$9,000.00
Cavender Cadillac
801 Broadway Street
San Antonio, TX 78215
TRADE IN
6/2012
2012 Saturn Redline
$22,000.00
None
b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled
trust or similar device of which the debtor is a beneficiary.
NAME OF TRUST OR OTHER
DEVICE
DATE(S) OF
TRANSFER(S)
AMOUNT OF MONEY OR DESCRIPTION AND
VALUE OF PROPERTY OR DEBTOR'S INTEREST
IN PROPERTY
11. Closed financial accounts
None
List all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or
otherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or other
financial accounts, certificates of deposit, or other instruments; shares and share accounts held in banks, credit unions, pension funds,
cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 12 or chapter 13 must
include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed,
unless the spouses are separated and a joint petition is not filed.)
TYPE OF ACCOUNT, LAST FOUR
DIGITS OF ACCOUNT NUMBER,
AND AMOUNT OF FINAL BALANCE
Checking
AMOUNT AND DATE OF SALE
OR CLOSING
1/2014 $0.00
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
Savings
1/2014 $0.00
Generations FCU
P.O. Box 830968
San Antonio, TX 78283-0968
Checking
10/2013 $0.00
Generations FCU
P.O. Box 830968
San Antonio, TX 78283-0968
Savings
10/2013 $0.00
NAME AND ADDRESS OF INSTITUTION
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
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12. Safe deposit boxes
None
List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year
immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or
depositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND ADDRESS OF BANK
OR OTHER DEPOSITORY
NAMES AND ADDRESSES
OF THOSE WITH ACCESS
TO BOX OR DEPOSITORY
DESCRIPTION
OF CONTENTS
DATE OF TRANSFER OR
SURRENDER, IF ANY
13. Setoffs
None
List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF CREDITOR
DATE OF SETOFF
AMOUNT OF SETOFF
14. Property held for another person
None
List all property owned by another person that the debtor holds or controls.
NAME AND ADDRESS OF OWNER
DESCRIPTION AND VALUE OF PROPERTY
LOCATION OF PROPERTY
15. Prior address of debtor
None
If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor
occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate
address of either spouse.
ADDRESS
NAME USED
DATES OF OCCUPANCY
16. Spouses and Former Spouses
None
If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho,
Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the
commencement of the case, identify the name of the debtor’s spouse and of any former spouse who resides or resided with the debtor in
the community property state.
NAME
17. Environmental Information.
For the purpose of this question, the following definitions apply:
"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous
or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to,
statutes or regulations regulating the cleanup of these substances, wastes, or material.
"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or
operated by the debtor, including, but not limited to, disposal sites.
"Hazardous Material" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material,
pollutant, or contaminant or similar term under an Environmental Law
None
a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable
or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known,
the Environmental Law:
SITE NAME AND ADDRESS
NAME AND ADDRESS OF
GOVERNMENTAL UNIT
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DATE OF
NOTICE
ENVIRONMENTAL
LAW
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None
b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous
Material. Indicate the governmental unit to which the notice was sent and the date of the notice.
SITE NAME AND ADDRESS
None
NAME AND ADDRESS OF
GOVERNMENTAL UNIT
DATE OF
NOTICE
ENVIRONMENTAL
LAW
c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which
the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the
docket number.
NAME AND ADDRESS OF
GOVERNMENTAL UNIT
DOCKET NUMBER
STATUS OR DISPOSITION
18 . Nature, location and name of business
None
a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a
partnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six years
immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities
within six years immediately preceding the commencement of this case.
If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six
years immediately preceding the commencement of this case.
If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six
years immediately preceding the commencement of this case.
NAME
Medisurge LLC
LAST FOUR DIGITS OF
SOCIAL-SECURITY OR
OTHER INDIVIDUAL
TAXPAYER-I.D. NO.
(ITIN)/ COMPLETE EIN
3-20382-3757-7
ADDRESS
1941 Walter Raleigh
San Antonio, TX
78239-1858
NATURE OF BUSINESS
Medical Billing
BEGINNING AND
ENDING DATES
1/1/2010-2012
International
Escapes
3084
Home
Multilevel Marketing
1/2013 - still member,
but not doing
business.
Advocate For
Change Ministries
3084
Home
Ministries/social
services
2006 - not done
business
None
b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.
NAME
ADDRESS
The following questions are to be completed by every debtor that is a corporation or partnership and by any individual debtor who is or has
been, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, or
owner of more than 5 percent of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership, a sole
proprietor, or self-employed in a trade, profession, or other activity, either full- or part-time.
(An individual or joint debtor should complete this portion of the statement only if the debtor is or has been in business, as defined above,
within six years immediately preceding the commencement of this case. A debtor who has not been in business within those six years should go
directly to the signature page.)
19. Books, records and financial statements
None
a. List all bookkeepers and accountants who within two years immediately preceding the filing of this bankruptcy case kept or
supervised the keeping of books of account and records of the debtor.
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NAME AND ADDRESS
None
b. List all firms or individuals who within the two years immediately preceding the filing of this bankruptcy case have audited the books
of account and records, or prepared a financial statement of the debtor.
NAME
None
DATES SERVICES RENDERED
ADDRESS
DATES SERVICES RENDERED
c. List all firms or individuals who at the time of the commencement of this case were in possession of the books of account and records
of the debtor. If any of the books of account and records are not available, explain.
NAME
None
ADDRESS
d. List all financial institutions, creditors and other parties, including mercantile and trade agencies, to whom a financial statement was
issued by the debtor within two years immediately preceding the commencement of this case.
NAME AND ADDRESS
DATE ISSUED
20. Inventories
None
a. List the dates of the last two inventories taken of your property, the name of the person who supervised the taking of each inventory,
and the dollar amount and basis of each inventory.
DATE OF INVENTORY
None
INVENTORY SUPERVISOR
DOLLAR AMOUNT OF INVENTORY
(Specify cost, market or other basis)
b. List the name and address of the person having possession of the records of each of the inventories reported in a., above.
NAME AND ADDRESSES OF CUSTODIAN OF INVENTORY
RECORDS
DATE OF INVENTORY
21 . Current Partners, Officers, Directors and Shareholders
None
a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.
NAME AND ADDRESS
None
NATURE OF INTEREST
PERCENTAGE OF INTEREST
b. If the debtor is a corporation, list all officers and directors of the corporation, and each stockholder who directly or indirectly owns,
controls, or holds 5 percent or more of the voting or equity securities of the corporation.
NAME AND ADDRESS
TITLE
NATURE AND PERCENTAGE
OF STOCK OWNERSHIP
22 . Former partners, officers, directors and shareholders
None
a. If the debtor is a partnership, list each member who withdrew from the partnership within one year immediately preceding the
commencement of this case.
NAME
None
ADDRESS
DATE OF WITHDRAWAL
b. If the debtor is a corporation, list all officers, or directors whose relationship with the corporation terminated within one year
immediately preceding the commencement of this case.
NAME AND ADDRESS
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TITLE
DATE OF TERMINATION
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23 . Withdrawals from a partnership or distributions by a corporation
None
If the debtor is a partnership or corporation, list all withdrawals or distributions credited or given to an insider, including compensation
in any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding the
commencement of this case.
NAME & ADDRESS
OF RECIPIENT,
RELATIONSHIP TO DEBTOR
AMOUNT OF MONEY
OR DESCRIPTION AND
VALUE OF PROPERTY
DATE AND PURPOSE
OF WITHDRAWAL
24. Tax Consolidation Group.
None
If the debtor is a corporation, list the name and federal taxpayer identification number of the parent corporation of any consolidated
group for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencement
of the case.
NAME OF PARENT CORPORATION
TAXPAYER IDENTIFICATION NUMBER (EIN)
25. Pension Funds.
None
If the debtor is not an individual, list the name and federal taxpayer-identification number of any pension fund to which the debtor, as an
employer, has been responsible for contributing at any time within six years immediately preceding the commencement of the case.
NAME OF PENSION FUND
TAXPAYER IDENTIFICATION NUMBER (EIN)
******
DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR
I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto
and that they are true and correct.
Date February 20, 2014
Signature
/s/ Ronald Williams Armes
Ronald Williams Armes
Debtor
Date February 20, 2014
Signature
/s/ Justina Armes
Justina Armes
Joint Debtor
Penalty for making a false statement: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571
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United States Bankruptcy Court
Western District of Texas
Ronald Williams Armes
Justina Armes
In re
Case No.
Chapter
Debtor(s)
13
DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR(S)
1.
2.
Pursuant to 11 U.S.C. § 329(a) and Bankruptcy Rule 2016(b), I certify that I am the attorney for the above-named debtor and that
compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for services rendered or to
be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows:
For legal services, I have agreed to accept
$
3,200.00
Prior to the filing of this statement I have received
$
200.00
Balance Due
$
3,000.00
The source of the compensation paid to me was:
Debtor
3.
Other (specify):
The source of compensation to be paid to me is:
Debtor
4.
Other (specify):
I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm.
I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A
copy of the agreement, together with a list of the names of the people sharing in the compensation is attached.
5.
In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:
a.
b.
c.
d.
6.
Analysis of the debtor's financial situation, and rendering advice to the debtor in determining whether to file a petition in bankruptcy;
Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;
Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;
[Other provisions as needed]
Negotiations with secured creditors to reduce to market value; exemption planning; preparation and filing of
reaffirmation agreements and applications as needed; preparation and filing of motions pursuant to 11 USC
522(f)(2)(A) for avoidance of liens on household goods.
By agreement with the debtor(s), the above-disclosed fee does not include the following service:
Representation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions or
any other adversary proceeding.
CERTIFICATION
I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in
this bankruptcy proceeding.
Dated:
February 20, 2014
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/s/ J. Robert Vanhemelrijck
J. Robert Vanhemelrijck 24056468
Vanhemelrijck Law Offices, LP.
1100 N.W. Loop 410
Suite 215
San Antonio, TX 78213
(210) 804-1529 Fax: (866) 830-3521
[email protected]
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B 201A (Form 201A) (11/12)
UNITED STATES BANKRUPTCY COURT
WESTERN DISTRICT OF TEXAS
NOTICE TO CONSUMER DEBTOR(S) UNDER § 342(b)
OF THE BANKRUPTCY CODE
In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes
briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of
bankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney General
may examine all information you supply in connection with a bankruptcy case.
You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an
attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice.
Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that
you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in
your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists
the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed
from the bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse
receive a separate copy of all notices.
1. Services Available from Credit Counseling Agencies
With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy
relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and
provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The
briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be
provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The
clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a
joint case must complete the briefing.
In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial management
instructional course before he or she can receive a discharge. The clerk also has a list of approved financial management
instructional courses. Each debtor in a joint case must complete the course.
2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors
Chapter 7: Liquidation ($245 filing fee, $46 administrative fee, $15 trustee surcharge: Total Fee $306)
Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose
debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to
proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases,
the United States trustee (or bankruptcy administrator), the trustee, or creditors have the right to file a motion requesting that the court
dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed.
Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take
possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.
The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have
committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the
purpose for which you filed the bankruptcy petition will be defeated.
Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be
responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement
obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your
bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated
from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and
malicious injury, the bankruptcy court may determine that the debt is not discharged.
Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee,
$46 administrative fee: Total fee $281)
Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over
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Form B 201A, Notice to Consumer Debtor(s)
Page 2
a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy
Code.
Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using
your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your
income and other factors. The court must approve your plan before it can take effect.
After completing the payments under your plan, your debts are generally discharged except for domestic support obligations;
most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your
bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations.
Chapter 11: Reorganization ($1,167 filing fee, $46 administrative fee: Total fee $1,213)
Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quite
complicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney.
Chapter 12: Family Farmer or Fisherman ($200 filing fee, $46 administrative fee: Total fee $246)
Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earnings
and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose income arises primarily from a
family-owned farm or commercial fishing operation.
3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials
A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, either
orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information supplied by a
debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the United
States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice.
WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors,
assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not
filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court. The
documents and the deadlines for filing them are listed on Form B200, which is posted at
http://www.uscourts.gov/bkforms/bankruptcy_forms.html#procedure.
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B 201B (Form 201B) (12/09)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)
UNDER § 342(b) OF THE BANKRUPTCY CODE
Certification of Debtor
I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy
Code.
Ronald Williams Armes
Justina Armes
Printed Name(s) of Debtor(s)
Case No. (if known)
X /s/ Ronald Williams Armes
Signature of Debtor
February 20, 2014
X /s/ Justina Armes
Signature of Joint Debtor (if any)
February 20, 2014
Date
Date
Instructions: Attach a copy of Form B 201 A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code.
Use this form to certify that the debtor has received the notice required by 11 U.S.C. § 342(b) only if the certification has NOT been made on the
Voluntary Petition, Official Form B1. Exhibit B on page 2 of Form B1 contains a certification by the debtor's attorney that the attorney has given the
notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on page 3 of Form B1 also include this certification.
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United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
VERIFICATION OF CREDITOR MATRIX
The above-named Debtors hereby verify that the attached list of creditors is true and correct to the best of their knowledge.
Date:
February 20, 2014
/s/ Ronald Williams Armes
Ronald Williams Armes
Signature of Debtor
Date:
February 20, 2014
/s/ Justina Armes
Justina Armes
Signature of Debtor
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{
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o
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ACB Recovery
5351 Winston Ave
Latonia, KY 41015
American Finco Financial
425 N Martingale Rd Ste
Schaumburg, IL 60173
American Medical Collection Agency
4 Westchester Plaza Suite 110
Elmsford, NY 10523
Attorney General
Child Support
P.O. Box 12017
Austin, TX 78711
Bank Of America
Po Box 982235
El Paso, TX 79998
Bexar County
c/o Donald P. Stecker
Linebarger Goggan Blair & Sampson, LLP
711 Navaro, Suite 300
San Antonio, TX 78205
Citi bank
CitiCards Private Label Bankruptcy
Po Box 20483
Kansas City, MO 64195
Citifinancial
605 Munn Road
Fort Mill, SC 29715
Clinical Pathology Associates
PO Box 28770
Austin, TX 78755-8770
Comenity Bank
Attention: Bankruptcy
P.O. Box 182686
Columbus, OH 43218
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Comenity Bank
4590 E Broad St
Columbus, OH 43213
Credit Systems Intl In
1277 Country Club Ln
Fort Worth, TX 76112
Crestwind
Willmon Way
San Antonio, TX 78239
DECA Financial Services LLC
PO box 505
Linden, MI 48451-0505
Encore Receivable Management Inc
400 N rogers Road
Olathe, KS 66063-3330
Equifax
PO Box 740241
Atlanta, GA 30374
Experian
PO Box 9701
Allen, TX 75013
FMA Alliance LTD
12339 Cutten Road
Houston, TX 77066
Freedom Mortgatge
POBox 780
Waterloo, IA 50704
GE Capital Retail Bank
Attn: bankruptcy
Po Box 103104
Roswell, GA 30076
Gm Financial
Po Box 181145
Arlington, TX 76096
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HUD
615 East Houston Street, Suite 347
San Antonio, TX 78205
Inpatient Consultants
7330 San Pedro Ave
San Antonio, TX 78216
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
Lane Bryant Retail/soa
450 Winks Ln
Bensalem, PA 19020
Lincoln Automotive Financial
12110 Emmet St
Omaha, NE 68164
Military Star
3911 S Walton Walker Blv
Dallas, TX 75236
National Credit System
Attn: Bankruptcy
Po Box 312125
Atlanta, GA 31131
Nco Financial/38
2360 Campbell Crk Ste 50
Richardson, TX 75082
Ocwen Loan Servicing
3451 Hammond Ave
Waterloo, IA 50702
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
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Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
River City Federal Credit Union
610 Augusta Street
San Antonio, TX 78215
Texas Comptroller
PO Box 13528
Austin, TX 78711-3528
Texas Department of Transportation
9320 SE Loop 410
San Antonio, TX 78223
Texas Workforce Commission
101 E 15th Room 370
Austin, TX 78701
United States Attorney
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
United States Attorney
SOCIAL SECURITY ADMINISTRATION
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
United States Attorney
IRS/HUD/VA/Department of Education
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
United States Attorney General
Department of Justice
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
United States Attorney General
IRS/HUD/VA/Department of Education
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
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United States Attorney General
SOCIAL SECURITY ADMINISTRATION
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
VA Regional Office
Office of District Counsel
2515 Murworth Drive
Houston, TX 77054
Vengroff Williams Inc
PO Box 5155
Sarasota, FL 34230-4155
Winn Brook Estates
300 E Sonterra Blvd Suite 350
San Antonio, TX 78258
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B 22C (Official Form 22C) (Chapter 13) (04/13)
Ronald Williams Armes
Justina Armes
Debtor(s)
Case Number:
(If known)
In re
According to the calculations required by this statement:
The applicable commitment period is 3 years.
The applicable commitment period is 5 years.
Disposable income is determined under § 1325(b)(3).
Disposable income is not determined under § 1325(b)(3).
(Check the boxes as directed in Lines 17 and 23 of this statement.)
CHAPTER 13 STATEMENT OF CURRENT MONTHLY INCOME
AND CALCULATION OF COMMITMENT PERIOD AND DISPOSABLE INCOME
In addition to Schedules I and J, this statement must be completed by every individual chapter 13 debtor, whether or not filing jointly. Joint debtors
may complete one statement only.
Part I. REPORT OF INCOME
1
Marital/filing status. Check the box that applies and complete the balance of this part of this statement as directed.
a. Unmarried. Complete only Column A ("Debtor's Income") for Lines 2-10.
b.
Married. Complete both Column A ("Debtor's Income") and Column B ("Spouse's Income") for Lines 2-10.
All figures must reflect average monthly income received from all sources, derived during the six
Column A
calendar months prior to filing the bankruptcy case, ending on the last day of the month before
Debtor's
the filing. If the amount of monthly income varied during the six months, you must divide the
Income
six-month total by six, and enter the result on the appropriate line.
Column B
Spouse's
Income
2
Gross wages, salary, tips, bonuses, overtime, commissions.
$
0.00 $
1,146.00
3
Income from the operation of a business, profession, or farm. Subtract Line b from Line a and
enter the difference in the appropriate column(s) of Line 3. If you operate more than one business,
profession or farm, enter aggregate numbers and provide details on an attachment. Do not enter a
number less than zero. Do not include any part of the business expenses entered on Line b as
a deduction in Part IV.
Debtor
Spouse
a.
Gross receipts
$
0.00 $
0.00
0.00 $
0.00
b.
Ordinary and necessary business expenses $
c.
Business income
Subtract Line b from Line a
$
0.00 $
0.00
4
Rents and other real property income. Subtract Line b from Line a and enter the difference in
the appropriate column(s) of Line 4. Do not enter a number less than zero. Do not include any
part of the operating expenses entered on Line b as a deduction in Part IV.
Debtor
Spouse
a.
Gross receipts
$
0.00 $
0.00
0.00 $
0.00
b.
Ordinary and necessary operating expenses $
c.
Rent and other real property income
Subtract Line b from Line a
$
0.00 $
0.00
5
Interest, dividends, and royalties.
$
0.00 $
0.00
6
Pension and retirement income.
$
1,808.29 $
0.00
Any amounts paid by another person or entity, on a regular basis, for the household
expenses of the debtor or the debtor's dependents, including child support paid for that
purpose. Do not include alimony or separate maintenance payments or amounts paid by the
debtor's spouse. Each regular payment should be reported in only one column; if a payment is
listed in Column A, do not report that payment in Column B.
Unemployment compensation. Enter the amount in the appropriate column(s) of Line 8.
However, if you contend that unemployment compensation received by you or your spouse was a
benefit under the Social Security Act, do not list the amount of such compensation in Column A
or B, but instead state the amount in the space below:
$
0.00 $
0.00
0.00 $
0.00 $
0.00
7
8
Unemployment compensation claimed to
be a benefit under the Social Security Act Debtor $
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0.00 Spouse $
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2
B 22C (Official Form 22C) (Chapter 13) (04/13)
9
10
11
Income from all other sources. Specify source and amount. If necessary, list additional sources
on a separate page. Total and enter on Line 9. Do not include alimony or separate
maintenance payments paid by your spouse, but include all other payments of alimony or
separate maintenance. Do not include any benefits received under the Social Security Act or
payments received as a victim of a war crime, crime against humanity, or as a victim of
international or domestic terrorism.
Debtor
Spouse
a. VA Income
$
3,088.00 $
3,037.00
b. Caregiver Income
$
0.00 $
1,010.29 $
Subtotal. Add Lines 2 thru 9 in Column A, and, if Column B is completed, add Lines 2 through 9
$
in Column B. Enter the total(s).
Total. If Column B has been completed, add Line 10, Column A to Line 10, Column B, and enter
$
the total. If Column B has not been completed, enter the amount from Line 10, Column A.
3,088.00 $
4,047.29
4,896.29 $
5,193.29
10,089.58
Part II. CALCULATION OF § 1325(b)(4) COMMITMENT PERIOD
12
Enter the amount from Line 11
$
10,089.58
Total and enter on Line 13
$
0.00
14
Subtract Line 13 from Line 12 and enter the result.
$
10,089.58
15
Annualized current monthly income for § 1325(b)(4). Multiply the amount from Line 14 by the number 12 and
enter the result.
$
121,074.96
$
56,296.00
13
Marital Adjustment. If you are married, but are not filing jointly with your spouse, AND if you contend that
calculation of the commitment period under § 1325(b)(4) does not require inclusion of the income of your spouse,
enter on Line 13 the amount of the income listed in Line 10, Column B that was NOT paid on a regular basis for
the household expenses of you or your dependents and specify, in the lines below, the basis for excluding this
income (such as payment of the spouse's tax liability or the spouse's support of persons other than the debtor or the
debtor's dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments
on a separate page. If the conditions for entering this adjustment do not apply, enter zero.
a.
b.
c.
16
$
$
$
Applicable median family income. Enter the median family income for applicable state and household size. (This
information is available by family size at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)
a. Enter debtor's state of residence:
TX
b. Enter debtor's household size:
2
Application of § 1325(b)(4). Check the applicable box and proceed as directed.
The amount on Line 15 is less than the amount on Line 16. Check the box for "The applicable commitment period is 3 years" at the
top of page 1 of this statement and continue with this statement.
17
The amount on Line 15 is not less than the amount on Line 16. Check the box for "The applicable commitment period is 5 years"
at the top of page 1 of this statement and continue with this statement.
Part III. APPLICATION OF § 1325(b)(3) FOR DETERMINING DISPOSABLE INCOME
18
Enter the amount from Line 11.
19
Marital Adjustment. If you are married, but are not filing jointly with your spouse, enter on Line 19 the total of
any income listed in Line 10, Column B that was NOT paid on a regular basis for the household expenses of the
debtor or the debtor's dependents. Specify in the lines below the basis for excluding the Column B income(such as
payment of the spouse's tax liability or the spouse's support of persons other than the debtor or the debtor's
dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments on a
separate page. If the conditions for entering this adjustment do not apply, enter zero.
$
10,089.58
Total and enter on Line 19.
$
0.00
Current monthly income for § 1325(b)(3). Subtract Line 19 from Line 18 and enter the result.
$
10,089.58
a.
b.
c.
20
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$
$
$
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B 22C (Official Form 22C) (Chapter 13) (04/13)
21
22
3
Annualized current monthly income for § 1325(b)(3). Multiply the amount from Line 20 by the number 12 and
enter the result.
$
121,074.96
Applicable median family income. Enter the amount from Line 16.
$
56,296.00
Application of § 1325(b)(3). Check the applicable box and proceed as directed.
The amount on Line 21 is more than the amount on Line 22. Check the box for "Disposable income is determined under §
1325(b)(3)" at the top of page 1 of this statement and complete the remaining parts of this statement.
23
The amount on Line 21 is not more than the amount on Line 22. Check the box for "Disposable income is not determined under §
1325(b)(3)" at the top of page 1 of this statement and complete Part VII of this statement. Do not complete Parts IV, V, or VI.
Part IV. CALCULATION OF DEDUCTIONS FROM INCOME
Subpart A: Deductions under Standards of the Internal Revenue Service (IRS)
24A
24B
National Standards: food, apparel and services, housekeeping supplies, personal care, and miscellaneous.
Enter in Line 24A the "Total" amount from IRS National Standards for Allowable Living Expenses for the
applicable number of persons. (This information is available at www.usdoj.gov/ust/ or from the clerk of the
bankruptcy court.) The applicable number of persons is the number that would currently be allowed as exemptions
on your federal income tax return, plus the number of any additional dependents whom you support.
25B
a1.
Allowance per person
b1.
Number of persons
c1.
Subtotal
0.00 $
120.00
Persons 65 years of age or older
60 a2.
2 b2.
120.00 c2.
Allowance per person
144
0
Number of persons
Subtotal
Local Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing and
Utilities Standards; non-mortgage expenses for the applicable county and family size. (This information is
available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court). The applicable family size consists of
the number that would currently be allowed as exemptions on your federal income tax return, plus the number of
any additional dependents whom you support.
$
472.00
$
36.52
$
0.00
Local Standards: housing and utilities; mortgage/rent expense. Enter, in Line a below, the amount of the IRS
Housing and Utilities Standards; mortgage/rent expense for your county and family size (this information is
available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court) (the applicable family size consists of
the number that would currently be allowed as exemptions on your federal income tax return, plus the number of
any additional dependents whom you support); enter on Line b the total of the Average Monthly Payments for any
debts secured by your home, as stated in Line 47; subtract Line b from Line a and enter the result in Line 25B. Do
not enter an amount less than zero.
a.
b.
c.
26
1,053.00
National Standards: health care. Enter in Line a1 below the amount from IRS National Standards for
Out-of-Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards for
Out-of-Pocket Health Care for persons 65 years of age or older. (This information is available at
www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) Enter in Line b1 the applicable number of persons
who are under 65 years of age, and enter in Line b2 the applicable number of persons who are 65 years of age or
older. (The applicable number of persons in each age category is the number in that category that would currently
be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom
you support.) Multiply Line a1 by Line b1 to obtain a total amount for persons under 65, and enter the result in
Line c1. Multiply Line a2 by Line b2 to obtain a total amount for persons 65 and older, and enter the result in Line
c2. Add Lines c1 and c2 to obtain a total health care amount, and enter the result in Line 24B.
Persons under 65 years of age
25A
$
IRS Housing and Utilities Standards; mortgage/rent expense
Average Monthly Payment for any debts secured by your
home, if any, as stated in Line 47
Net mortgage/rental expense
$
1,060.00
$
Subtract Line b from Line a.
1,023.48
Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 25A and
25B does not accurately compute the allowance to which you are entitled under the IRS Housing and Utilities
Standards, enter any additional amount to which you contend you are entitled, and state the basis for your
contention in the space below:
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B 22C (Official Form 22C) (Chapter 13) (04/13)
27A
Local Standards: transportation; vehicle operation/public transportation expense. You are entitled to an
expense allowance in this category regardless of whether you pay the expenses of operating a vehicle and
regardless of whether you use public transportation.
Check the number of vehicles for which you pay the operating expenses or for which the operating expenses are
included as a contribution to your household expenses in Line 7. 0
1
2 or more.
If you checked 0, enter on Line 27A the "Public Transportation" amount from IRS Local Standards:
Transportation. If you checked 1 or 2 or more, enter on Line 27A the "Operating Costs" amount from IRS Local
Standards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area or
Census Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)
27B
4
$
488.00
Local Standards: transportation; additional public transportation expense. If you pay the operating expenses
for a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction for
your public transportation expenses, enter on Line 27B the "Public Transportation" amount from the IRS Local
Standards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy
$
court.)
0.00
Local Standards: transportation ownership/lease expense; Vehicle 1. Check the number of vehicles for which
you claim an ownership/lease expense. (You may not claim an ownership/lease expense for more than two
vehicles.)
1
2 or more.
28
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average
Monthly Payments for any debts secured by Vehicle 1, as stated in Line 47; subtract Line b from Line a and enter
the result in Line 28. Do not enter an amount less than zero.
a.
b.
c.
29
32
33
34
35
517.00
$
Subtract Line b from Line a.
469.32
47.68
$
2.40
Other Necessary Expenses: taxes. Enter the total average monthly expense that you actually incur for all federal,
state, and local taxes, other than real estate and sales taxes, such as income taxes, self employment taxes, social
security taxes, and Medicare taxes. Do not include real estate or sales taxes.
$
0.00
Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthly
deductions that are required for your employment, such as mandatory retirement contributions, union dues, and
uniform costs. Do not include discretionary amounts, such as voluntary 401(k) contributions.
$
0.00
Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for term
life insurance for yourself. Do not include premiums for insurance on your dependents, for whole life or for
any other form of insurance.
$
0.00
Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are required to
pay pursuant to the order of a court or administrative agency, such as spousal or child support payments. Do not
include payments on past due obligations included in line 49.
$
0.00
Other Necessary Expenses: education for employment or for a physically or mentally challenged child. Enter
the total average monthly amount that you actually expend for education that is a condition of employment and for
education that is required for a physically or mentally challenged dependent child for whom no public education
providing similar services is available.
$
0.00
Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend on
childcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments.
0.00
Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you checked
the "2 or more" Box in Line 28.
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average
Monthly Payments for any debts secured by Vehicle 2, as stated in Line 47; subtract Line b from Line a and enter
the result in Line 29. Do not enter an amount less than zero.
b.
c.
31
$
$
a.
30
IRS Transportation Standards, Ownership Costs
Average Monthly Payment for any debts secured by Vehicle
1, as stated in Line 47
Net ownership/lease expense for Vehicle 1
IRS Transportation Standards, Ownership Costs
Average Monthly Payment for any debts secured by Vehicle
2, as stated in Line 47
Net ownership/lease expense for Vehicle 2
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$
517.00
$
Subtract Line b from Line a.
514.60
$
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B 22C (Official Form 22C) (Chapter 13) (04/13)
36
37
38
5
Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend on
health care that is required for the health and welfare of yourself or your dependents, that is not reimbursed by
insurance or paid by a health savings account, and that is in excess of the amount entered in Line 24B. Do not
include payments for health insurance or health savings accounts listed in Line 39.
$
0.00
Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that you
actually pay for telecommunication services other than your basic home telephone and cell phone service - such as
pagers, call waiting, caller id, special long distance, or internet service-to the extent necessary for your health and
welfare or that of your dependents. Do not include any amount previously deducted.
$
300.00
Total Expenses Allowed under IRS Standards. Enter the total of Lines 24 through 37.
$
2,519.60
$
23.00
$
0.00
Protection against family violence. Enter the total average reasonably necessary monthly expenses that you
actually incur to maintain the safety of your family under the Family Violence Prevention and Services Act or other
applicable federal law. The nature of these expenses is required to be kept confidential by the court.
$
0.00
Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS Local
Standards for Housing and Utilities that you actually expend for home energy costs. You must provide your case
trustee with documentation of your actual expenses, and you must demonstrate that the additional amount
claimed is reasonable and necessary.
$
0.00
Education expenses for dependent children under 18. Enter the total average monthly expenses that you
actually incur, not to exceed $156.25 per child, for attendance at a private or public elementary or secondary
school by your dependent children less than 18 years of age. You must provide your case trustee with
documentation of your actual expenses, and you must explain why the amount claimed is reasonable and
necessary and not already accounted for in the IRS Standards.
$
0.00
Additional food and clothing expense. Enter the total average monthly amount by which your food and clothing
expenses exceed the combined allowances for food and clothing (apparel and services) in the IRS National
Standards, not to exceed 5% of those combined allowances. (This information is available at www.usdoj.gov/ust/
or from the clerk of the bankruptcy court.) You must demonstrate that the additional amount claimed is
reasonable and necessary.
$
0.00
Charitable contributions. Enter the amount reasonably necessary for you to expend each month on charitable
contributions in the form of cash or financial instruments to a charitable organization as defined in 26 U.S.C. §
170(c)(1)-(2). Do not include any amount in excess of 15% of your gross monthly income.
$
450.00
Total Additional Expense Deductions under § 707(b). Enter the total of Lines 39 through 45.
$
473.00
Subpart B: Additional Living Expense Deductions
Note: Do not include any expenses that you have listed in Lines 24-37
Health Insurance, Disability Insurance, and Health Savings Account Expenses. List the monthly expenses in
the categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or your
dependents.
39
a.
Health Insurance
$
23.00
b.
Disability Insurance
$
0.00
c.
Health Savings Account
$
0.00
Total and enter on Line 39
If you do not actually expend this total amount, state your actual total average monthly expenditures in the space
below:
$
40
41
42
43
44
45
46
Continued contributions to the care of household or family members. Enter the total average actual monthly
expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically
ill, or disabled member of your household or member of your immediate family who is unable to pay for such
expenses. Do not include payments listed in Line 34.
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B 22C (Official Form 22C) (Chapter 13) (04/13)
6
Subpart C: Deductions for Debt Payment
47
Future payments on secured claims. For each of your debts that is secured by an interest in property that you
own, list the name of creditor, identify the property securing the debt, state the Average Monthly Payment, and
check whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all amounts
scheduled as contractually due to each Secured Creditor in the 60 months following the filing of the bankruptcy
case, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the Average Monthly
Payments on Line 47.
Name of Creditor
Property Securing the Debt
Average
Does payment
Monthly
include taxes
Payment
or insurance
HOMESTEAD:
Location: 1941 Walter Raleigh,
yes no
70.81
a. Bexar County
$
San Antonio TX 78239
b. Gm Financial
2010 GMC Yukon 38,000 miles
$
469.32
yes
no
c. Ocwen Loan Servicing
HOMESTEAD:
Location: 1941 Walter Raleigh,
San Antonio TX 78239
$
936.00
yes
no
$
514.60
yes
no
$
469.28
yes
no
16.67
yes
no
Randolph Brook Federal
2005 Chevy Corvette
d. Credit Union
2008 Ford F350 Super Duty
106,200 miles - to pull horse
Randolph Brook Federal trailer - horses are for
e. Credit Union
medical/therapeutic reasons.
HOMESTEAD:
Location: 1941 Walter Raleigh,
f. Winn Brook Estates
San Antonio TX 78239
$
$
2,476.68
Other payments on secured claims. If any of debts listed in Line 47 are secured by your primary residence, a
motor vehicle, or other property necessary for your support or the support of your dependents, you may include in
your deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to the
payments listed in Line 47, in order to maintain possession of the property. The cure amount would include any
sums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts in
the following chart. If necessary, list additional entries on a separate page.
Name of Creditor
Property Securing the Debt
1/60th of the Cure Amount
$
a. -NONETotal: Add Lines
$
0.00
Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such as
priority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy filing. Do
not include current obligations, such as those set out in Line 33.
$
161.67
$
225.80
$
2,864.15
$
5,856.75
$
10,089.58
Total: Add Lines
48
49
Chapter 13 administrative expenses. Multiply the amount in Line a by the amount in Line b, and enter the
resulting administrative expense.
50
a.
b.
c.
51
Projected average monthly Chapter 13 plan payment.
Current multiplier for your district as determined under schedules
issued by the Executive Office for United States Trustees. (This
information is available at www.usdoj.gov/ust/ or from the clerk of
the bankruptcy court.)
Average monthly administrative expense of chapter 13 case
$
2,258.00
10.00
x
Total: Multiply Lines a and b
Total Deductions for Debt Payment. Enter the total of Lines 47 through 50.
Subpart D: Total Deductions from Income
52
Total of all deductions from income. Enter the total of Lines 38, 46, and 51.
Part V. DETERMINATION OF DISPOSABLE INCOME UNDER § 1325(b)(2)
53
Total current monthly income. Enter the amount from Line 20.
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B 22C (Official Form 22C) (Chapter 13) (04/13)
54
55
56
Support income. Enter the monthly average of any child support payments, foster care payments, or disability
payments for a dependent child, reported in Part I, that you received in accordance with applicable nonbankruptcy
law, to the extent reasonably necessary to be expended for such child.
$
0.00
Qualified retirement deductions. Enter the monthly total of (a) all amounts withheld by your employer from
wages as contributions for qualified retirement plans, as specified in § 541(b)(7) and (b) all required repayments of
loans from retirement plans, as specified in § 362(b)(19).
$
0.00
Total of all deductions allowed under § 707(b)(2). Enter the amount from Line 52.
$
5,856.75
$
0.00
Total adjustments to determine disposable income. Add the amounts on Lines 54, 55, 56, and 57 and enter the
result.
$
5,856.75
Monthly Disposable Income Under § 1325(b)(2). Subtract Line 58 from Line 53 and enter the result.
$
4,232.83
Deduction for special circumstances. If there are special circumstances that justify additional expenses for which
there is no reasonable alternative, describe the special circumstances and the resulting expenses in lines a-c below.
If necessary, list additional entries on a separate page. Total the expenses and enter the total in Line 57. You must
provide your case trustee with documentation of these expenses and you must provide a detailed explanation
of the special circumstances that make such expense necessary and reasonable.
57
Nature of special circumstances
Amount of Expense
$
$
$
Total: Add Lines
a.
b.
c.
58
59
Part VI. ADDITIONAL EXPENSE CLAIMS
Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfare
of you and your family and that you contend should be an additional deduction from your current monthly income under §
707(b)(2)(A)(ii)(I). If necessary, list additional sources on a separate page. All figures should reflect your average monthly expense for
each item. Total the expenses.
Expense Description
60
Monthly Amount
a.
b.
c.
d.
Total: Add Lines a, b, c and d
$
$
$
$
$
Part VII. VERIFICATION
61
I declare under penalty of perjury that the information provided in this statement is true and correct. (If this is a joint case, both debtors
must sign.)
Date: February 20, 2014
Signature: /s/ Ronald Williams Armes
Ronald Williams Armes
(Debtor)
Date:
February 20, 2014
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
Signature
/s/ Justina Armes
Justina Armes
(Joint Debtor, if any)
Best Case Bankruptcy
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B 22C (Official Form 22C) (Chapter 13) (04/13)
8
Current Monthly Income Details for the Debtor
Debtor Income Details:
Income for the Period 08/01/2013 to 01/31/2014.
Line 6 - Pension and retirement income
Source of Income: Retirement Income
Constant income of $1,808.29 per month.
Line 9 - Income from all other sources
Source of Income: VA Income
Constant income of $3,088.00 per month.
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B 22C (Official Form 22C) (Chapter 13) (04/13)
9
Current Monthly Income Details for the Debtor's Spouse
Spouse Income Details:
Income for the Period 08/01/2013 to 01/31/2014.
Line 2 - Gross wages, salary, tips, bonuses, overtime, commissions
Source of Income: Social Security
Constant income of $1,146.00 per month.
Line 9 - Income from all other sources
Source of Income: Caregiver Income
Constant income of $1,010.29 per month.
Line 9 - Income from all other sources
Source of Income: VA Income
Constant income of $3,037.00 per month.
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
B1 (Official Form 1)(04/13)
United States Bankruptcy Court
Voluntary Petition
Western District of Texas
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Name of Joint Debtor (Spouse) (Last, First, Middle):
Name of Debtor (if individual, enter Last, First, Middle):
Armes, Ronald Williams
Armes, Justina
All Other Names used by the Joint Debtor in the last 8 years
(include married, maiden, and trade names):
All Other Names used by the Debtor in the last 8 years
(include married, maiden, and trade names):
AKA Ron Armes; FDBA Medisurge LLC
Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN
Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN)/Complete EIN
(if more than one, state all)
(if more than one, state all)
xxx-xx-3084
xxx-xx-4955
Street Address of Joint Debtor (No. and Street, City, and State):
Street Address of Debtor (No. and Street, City, and State):
1941 Walter Raleigh
San Antonio, TX
1941 Walter Raleigh
San Antonio, TX
ZIP Code
ZIP Code
78239
78239
County of Residence or of the Principal Place of Business:
County of Residence or of the Principal Place of Business:
Bexar
Bexar
Mailing Address of Joint Debtor (if different from street address):
Mailing Address of Debtor (if different from street address):
ZIP Code
ZIP Code
Location of Principal Assets of Business Debtor
(if different from street address above):
Type of Debtor
Nature of Business
(Form of Organization) (Check one box)
(Check one box)
Individual (includes Joint Debtors)
Chapter of Bankruptcy Code Under Which
the Petition is Filed (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
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
Tax-Exempt Entity
Country of debtor's center of main interests:
(Check box, if applicable)
Debtor is a tax-exempt organization
under Title 26 of the United States
Code (the Internal Revenue Code).
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.
Chapter 7
Chapter 9
Chapter 11
Chapter 12
Chapter 13
(Check one box)
Debts are primarily consumer debts,
defined in 11 U.S.C. § 101(8) as
"incurred by an individual primarily for
a personal, family, or household purpose."
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
100199
200999
1,0005,000
5,00110,000
10,00125,000
25,00150,000
50,001100,000
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 $500,000,001 More than
to $500
to $1 billion $1 billion
million
$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 $500,000,001 More than
to $500
to $1 billion $1 billion
million
Estimated Assets
$0 to
$50,000
$50,001 to
$100,000
Estimated Liabilities
$0 to
$50,000
$50,001 to
$100,000
Debts are primarily
business debts.
Chapter 11 Debtors
Check 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 $2,490,925 (amount subject to adjustment on 4/01/16 and every three years thereafter).
Estimated Number of Creditors
5099
Chapter 15 Petition for Recognition
of a Foreign Nonmain Proceeding
Nature of Debts
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.
149
Chapter 15 Petition for Recognition
of a Foreign Main Proceeding
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B1 (Official Form 1)(04/13)
Page 2
Name of Debtor(s):
Armes, Ronald Williams
Armes, Justina
Voluntary Petition
(This page must be completed and filed in every case)
Location
Where Filed: - None -
All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet)
Case Number:
Date Filed:
Location
Where Filed:
Case Number:
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:
Case Number:
Date Filed:
- None District:
Relationship:
Judge:
Exhibit B
Exhibit A
(To be completed if debtor is an individual whose debts are primarily consumer debts.)
(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.)
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 delivered to the debtor the notice
required by 11 U.S.C. §342(b).
X
Exhibit A is attached and made a part of this petition.
/s/ J. Robert Vanhemelrijck
Signature of Attorney for Debtor(s)
February 20, 2014
(Date)
J. Robert Vanhemelrijck 24056468
Exhibit C
Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety?
Yes, and Exhibit C is attached and made a part of this petition.
No.
Exhibit 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 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.
Certification by a Debtor Who Resides as a Tenant of Residential Property
(Check all applicable boxes)
Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)
(Name of landlord that obtained judgment)
(Address of landlord)
Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure
the entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and
Debtor has included with this petition the deposit with the court of any rent that would become due during the 30-day period
after the filing of the petition.
Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).
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B1 (Official Form 1)(04/13)
Page 3
Voluntary Petition
(This page must be completed and filed in every case)
Signature(s) of Debtor(s) (Individual/Joint)
Name of Debtor(s):
Armes, Ronald Williams
Armes, Justina
Signatures
Signature of a Foreign Representative
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 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.
I request relief in accordance with the chapter of title 11, United States Code,
specified in this petition.
X
/s/ Ronald Williams Armes
Signature of Debtor Ronald Williams Armes
X
/s/ Justina Armes
Signature of Joint Debtor Justina Armes
X
Signature of Foreign Representative
Printed Name of Foreign Representative
Date
Telephone Number (If not represented by attorney)
Signature of Non-Attorney Bankruptcy Petition Preparer
February 20, 2014
Date
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.
Signature of Attorney*
X
/s/ J. Robert Vanhemelrijck
Signature of Attorney for Debtor(s)
J. Robert Vanhemelrijck 24056468
Printed Name of Attorney for Debtor(s)
Vanhemelrijck Law Offices, LP.
Firm Name
1100 N.W. Loop 410
Suite 215
San Antonio, TX 78213
Printed Name and title, if any, of Bankruptcy Petition Preparer
Social-Security number (If the bankrutpcy 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
Email: [email protected]
(210) 804-1529 Fax: (866) 830-3521
Telephone Number
February 20, 2014
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.
Address
X
Date
Signature of bankruptcy petition 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:
X
Signature of Authorized Individual
Printed Name of Authorized Individual
Title of Authorized Individual
Date
If more than one person prepared this document, attach additional sheets
conforming to the appropriate official form for each person.
A bankruptcy petition preparer’s failure to comply with the provisions of
title 11 and the Federal Rules of Bankruptcy Procedure may result in
fines or imprisonment or both. 11 U.S.C. §110; 18 U.S.C. §156.
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B 1D (Official Form 1, Exhibit D) (12/09)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH
CREDIT COUNSELING REQUIREMENT
Warning: You must be able to check truthfully one of the five statements regarding credit
counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court
can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your
creditors will be able to resume collection activities against you. If your case is dismissed and you file
another bankruptcy case later, you may be required to pay a second filing fee and you may have to take
extra steps to stop creditors' collection activities.
Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete
and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.
1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have
a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy
of any debt repayment plan developed through the agency.
2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do
not have a certificate from the agency describing the services provided to me. 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.
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
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B 1D (Official Form 1, Exhibit D) (12/09) - Cont.
Page 2
4. I am not required to receive a credit counseling briefing because of: [Check the applicable
statement.] [Must be accompanied by a motion for determination by the court.]
Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or
mental deficiency so as to be incapable of realizing and making rational decisions with respect to
financial responsibilities.);
Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being
unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or
through the Internet.);
Active military duty in a military combat zone.
5. The United States trustee or bankruptcy administrator has determined that the credit counseling
requirement of 11 U.S.C. § 109(h) does not apply in this district.
I certify under penalty of perjury that the information provided above is true and correct.
Signature of Debtor:
Date:
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
/s/ Ronald Williams Armes
Ronald Williams Armes
February 20, 2014
Best Case Bankruptcy
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B 1D (Official Form 1, Exhibit D) (12/09)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH
CREDIT COUNSELING REQUIREMENT
Warning: You must be able to check truthfully one of the five statements regarding credit
counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court
can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your
creditors will be able to resume collection activities against you. If your case is dismissed and you file
another bankruptcy case later, you may be required to pay a second filing fee and you may have to take
extra steps to stop creditors' collection activities.
Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete
and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.
1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have
a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy
of any debt repayment plan developed through the agency.
2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do
not have a certificate from the agency describing the services provided to me. 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.
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
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B 1D (Official Form 1, Exhibit D) (12/09) - Cont.
Page 2
4. I am not required to receive a credit counseling briefing because of: [Check the applicable
statement.] [Must be accompanied by a motion for determination by the court.]
Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or
mental deficiency so as to be incapable of realizing and making rational decisions with respect to
financial responsibilities.);
Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being
unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or
through the Internet.);
Active military duty in a military combat zone.
5. The United States trustee or bankruptcy administrator has determined that the credit counseling
requirement of 11 U.S.C. § 109(h) does not apply in this district.
I certify under penalty of perjury that the information provided above is true and correct.
Signature of Debtor:
Date:
Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com
/s/ Justina Armes
Justina Armes
February 20, 2014
Best Case Bankruptcy
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B 6 Summary (Official Form 6 - Summary) (12/13)
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United States Bankruptcy Court
Western District of Texas
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
Chapter
13
SUMMARY OF SCHEDULES
Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A,
B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtor’s assets.
Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtor’s liabilities. Individual debtors must
also complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.
NAME OF SCHEDULE
ATTACHED
(YES/NO)
NO. OF
SHEETS
ASSETS
LIABILITIES
OTHER
A - Real Property
Yes
1
192,000.00
B - Personal Property
Yes
4
108,419.06
C - Property Claimed as Exempt
Yes
2
D - Creditors Holding Secured Claims
Yes
2
246,993.00
E - Creditors Holding Unsecured
Priority Claims (Total of Claims on Schedule E)
Yes
2
10,000.00
F - Creditors Holding Unsecured
Nonpriority Claims
Yes
9
86,751.82
G - Executory Contracts and
Unexpired Leases
Yes
1
H - Codebtors
Yes
1
I - Current Income of Individual
Debtor(s)
Yes
2
8,859.59
J - Current Expenditures of Individual
Debtor(s)
Yes
3
6,384.59
Total Number of Sheets of ALL Schedules
27
Total Assets
300,419.06
Total Liabilities
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
343,744.82
Best Case Bankruptcy
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B 6 Summary (Official Form 6 - Summary) (12/13)
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United States Bankruptcy Court
Western District of Texas
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Chapter
Debtors
13
STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)
If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C.§ 101(8)), filing
a case under chapter 7, 11 or 13, you must report all information requested below.
Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to
report any information here.
This information is for statistical purposes only under 28 U.S.C. § 159.
Summarize the following types of liabilities, as reported in the Schedules, and total them.
Type of Liability
Amount
0.00
Domestic Support Obligations (from Schedule E)
Taxes and Certain Other Debts Owed to Governmental Units
(from Schedule E)
10,000.00
Claims for Death or Personal Injury While Debtor Was Intoxicated
(from Schedule E) (whether disputed or undisputed)
0.00
Student Loan Obligations (from Schedule F)
0.00
Domestic Support, Separation Agreement, and Divorce Decree
Obligations Not Reported on Schedule E
0.00
Obligations to Pension or Profit-Sharing, and Other Similar Obligations
(from Schedule F)
0.00
TOTAL
10,000.00
State the following:
Average Income (from Schedule I, Line 12)
8,859.59
Average Expenses (from Schedule J, Line 22)
6,384.59
Current Monthly Income (from Form 22A Line 12; OR,
Form 22B Line 11; OR, Form 22C Line 20 )
10,089.58
State the following:
1. Total from Schedule D, "UNSECURED PORTION, IF ANY"
column
2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY"
column
3. Total from Schedule E, "AMOUNT NOT ENTITLED TO
PRIORITY, IF ANY" column
0.00
9,700.00
300.00
4. Total from Schedule F
86,751.82
5. Total of non-priority unsecured debt (sum of 1, 3, and 4)
87,051.82
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
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64
B6A (Official Form 6A) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE A - REAL PROPERTY
Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a
cotenant, community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable for
the 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 and
Unexpired 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 entity
claims to hold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim." If the debtor is an individual or
if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property Claimed as Exempt.
Description and Location of Property
HOMESTEAD:
Location: 1941 Walter Raleigh, San Antonio TX
78239
0
Nature of Debtor's
Interest in Property
Fee Simple
continuation sheets attached to the Schedule of Real Property
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Current Value of
Husband,
Debtor's Interest in
Wife,
Property, without
Joint, or
any Secured
Community Deducting
Claim or Exemption
C
192,000.00
Sub-Total >
192,000.00
Total >
192,000.00
Amount of
Secured Claim
159,801.00
(Total of this page)
(Report also on Summary of Schedules)
Best Case Bankruptcy
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B6B (Official Form 6B) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories, place
an "x" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identified
with the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital community
own the property by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor is an individual or a joint
petition is filed, state the amount of any exemptions claimed only in Schedule C - Property Claimed as Exempt.
Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and
Unexpired Leases.
If the property is being held for the debtor by someone else, state that person's name and address under "Description and Location of Property."
If the property is being held for a minor child, simply state the child's initials and the name and address of the child's parent or guardian, such as
"A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Type of Property
1.
Cash on hand
2.
Checking, savings or other financial
accounts, certificates of deposit, or
shares in banks, savings and loan,
thrift, building and loan, and
homestead associations, or credit
unions, brokerage houses, or
cooperatives.
N
O
N
E
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Description and Location of Property
X
Chase Checking 9572
C
114.87
Chase Savings 6819
C
789.87
Pentagon FCU Checking 8025 -27.90
C
0.00
Pentagon FCU Savings 2014 -1.00
C
0.00
RBFCU Savings
C
4.00
RBFCU Checking -404.08
C
0.00
RBFCU Business Savings
C
5.03
RBFCU Daughters Bank Account Checking -371.86
C
0.00
RBFCU Daughters Bank Account Savings 0671
C
5.00
Pentagon FCU Checking 4024 -53.18
C
0.00
Pentagon FCU Savings 8015
C
5.00
X
3.
Security deposits with public
utilities, telephone companies,
landlords, and others.
4.
Household goods and furnishings,
including audio, video, and
computer equipment.
All debtors' household furniture, appliances and
other small household itmes
C
1,000.00
5.
Books, pictures and other art
objects, antiques, stamp, coin,
record, tape, compact disc, and
other collections or collectibles.
Home decor
C
300.00
6.
Wearing apparel.
All debtors' household wearing apparel
C
400.00
7.
Furs and jewelry.
Jewelry
C
3,000.00
Sub-Total >
(Total of this page)
3
5,623.77
continuation sheets attached to the Schedule of Personal Property
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64
B6B (Official Form 6B) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
(Continuation Sheet)
Type of Property
N
O
N
E
8.
Firearms and sports, photographic,
and other hobby equipment.
9.
Interests in insurance policies.
Name insurance company of each
policy and itemize surrender or
refund value of each.
X
10. Annuities. Itemize and name each
issuer.
X
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).)
X
12. Interests in IRA, ERISA, Keogh, or
other pension or profit sharing
plans. Give particulars.
X
13. Stock and interests in incorporated
and unincorporated businesses.
Itemize.
14. Interests in partnerships or joint
ventures. Itemize.
X
15. Government and corporate bonds
and other negotiable and
nonnegotiable instruments.
X
16. Accounts receivable.
X
17. Alimony, maintenance, support, and
property settlements to which the
debtor is or may be entitled. Give
particulars.
X
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Description and Location of Property
2 firearms and hobby equipment
C
1,025.00
Medisurge LLC - shut down
Assets 2 laptops, 2 desktops
Liabilities
$50K SBA Loan
C
0.00
dba International Escapes - not doing business
just a membership for multilevel marketing
C
35.00
dba Advocate For Change Ministries - not doing
business
C
35.00
Sub-Total >
(Total of this page)
1,095.00
Sheet 1 of 3
continuation sheets attached
to the Schedule of Personal Property
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64
B6B (Official Form 6B) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
(Continuation Sheet)
Type of Property
N
O
N
E
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Description and Location of Property
18. Other liquidated debts owed to debtor X
including tax refunds. Give particulars.
19. Equitable or future interests, life
estates, and rights or powers
exercisable for the benefit of the
debtor other than those listed in
Schedule A - Real Property.
X
20. Contingent and noncontingent
interests in estate of a decedent,
death benefit plan, life insurance
policy, or trust.
X
21. Other contingent and unliquidated
claims of every nature, including
tax refunds, counterclaims of the
debtor, and rights to setoff claims.
Give estimated value of each.
X
22. Patents, copyrights, and other
intellectual property. Give
particulars.
23. Licenses, franchises, and other
general intangibles. Give
particulars.
X
24. Customer lists or other compilations
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.
X
25. Automobiles, trucks, trailers, and
other vehicles and accessories.
26. Boats, motors, and accessories.
2 poems
C
200.00
2010 GMC Yukon 38,000 miles
C
28,159.00
2008 Ford F350 Super Duty 106,200 miles - to pull
horse trailer - horses are for medical/therapeutic
reasons.
C
28,157.00
2005 Chevy Corvette
C
30,876.00
Uitility trailer
C
200.00
Horse trailer
C
1,600.00
Sub-Total >
(Total of this page)
89,192.00
Sheet 2 of 3
continuation sheets attached
to the Schedule of Personal Property
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64
B6B (Official Form 6B) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE B - PERSONAL PROPERTY
(Continuation Sheet)
Type of Property
N
O
N
E
27. Aircraft and accessories.
X
28. Office equipment, furnishings, and
supplies.
29. Machinery, fixtures, equipment, and
supplies used in business.
X
30. Inventory.
X
31. Animals.
32. Crops - growing or harvested. Give
particulars.
X
33. Farming equipment and
implements.
X
34. Farm supplies, chemicals, and feed.
X
35. Other personal property of any kind
not already listed. Itemize.
Description and Location of Property
Husband,
Current Value of
Wife,
Debtor's Interest in Property,
Joint, or
without Deducting any
Community Secured Claim or Exemption
Business equipment
C
1,265.00
2 horses & 2 dogs
C
1,850.00
Personal tools and lawn equipment
C
500.00
Retirement Income -Husband
C
1,758.00
VA Income- Husband
C
3,088.00
VA Income -Wife
C
3,037.00
Caregiver Income-Wife
C
1,010.29
Sheet 3 of 3
continuation sheets attached
to the Schedule of Personal Property
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Sub-Total >
(Total of this page)
Total >
12,508.29
108,419.06
(Report also on Summary of Schedules)
Best Case Bankruptcy
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64
B6C (Official Form 6C) (4/13)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE C - PROPERTY CLAIMED AS EXEMPT
Debtor claims the exemptions to which debtor is entitled under:
(Check one box)
11 U.S.C. §522(b)(2)
11 U.S.C. §522(b)(3)
Description of Property
Real Property
HOMESTEAD:
Location: 1941 Walter Raleigh, San Antonio TX
78239
Check if debtor claims a homestead exemption that exceeds
$155,675. (Amount subject to adjustment on 4/1/16, and every three years thereafter
with respect to cases commenced on or after the date of adjustment.)
Specify Law Providing
Each Exemption
Value of
Claimed
Exemption
Current Value of
Property Without
Deducting Exemption
11 U.S.C. § 522(d)(1)
27,950.59
192,000.00
Checking, Savings, or Other Financial Accounts, Certificates of Deposit
Chase Checking 9572
11 U.S.C. § 522(d)(5)
114.87
114.87
Chase Savings 6819
11 U.S.C. § 522(d)(5)
789.87
789.87
RBFCU Savings
11 U.S.C. § 522(d)(5)
4.00
4.00
RBFCU Business Savings
11 U.S.C. § 522(d)(5)
5.03
5.03
RBFCU Daughters Bank Account Savings 0671
11 U.S.C. § 522(d)(5)
5.00
5.00
Pentagon FCU Savings 8015
11 U.S.C. § 522(d)(5)
5.00
5.00
Household Goods and Furnishings
All debtors' household furniture, appliances
and other small household itmes
11 U.S.C. § 522(d)(3)
1,000.00
1,000.00
Books, Pictures and Other Art Objects; Collectibles
Home decor
11 U.S.C. § 522(d)(3)
300.00
300.00
Wearing Apparel
All debtors' household wearing apparel
11 U.S.C. § 522(d)(3)
400.00
400.00
11 U.S.C. § 522(d)(4)
11 U.S.C. § 522(d)(5)
3,000.00
1,000.00
3,000.00
Firearms and Sports, Photographic and Other Hobby Equipment
2 firearms and hobby equipment
11 U.S.C. § 522(d)(5)
1,025.00
1,025.00
11 U.S.C. § 522(d)(5)
1.00
0.00
dba International Escapes - not doing business
just a membership for multilevel marketing
11 U.S.C. § 522(d)(5)
35.00
35.00
dba Advocate For Change Ministries - not doing
business
11 U.S.C. § 522(d)(5)
35.00
35.00
Patents, Copyrights and Other Intellectual Property
2 poems
11 U.S.C. § 522(d)(5)
200.00
200.00
Furs and Jewelry
Jewelry
Stock and Interests in Businesses
Medisurge LLC - shut down
Assets 2 laptops, 2 desktops
Liabilities
$50K SBA Loan
1
continuation sheets attached to Schedule of Property Claimed as Exempt
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B6C (Official Form 6C) (4/13) -- Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE C - PROPERTY CLAIMED AS EXEMPT
(Continuation Sheet)
Description of Property
Automobiles, Trucks, Trailers, and Other Vehicles
2010 GMC Yukon 38,000 miles
Specify Law Providing
Each Exemption
Value of
Claimed
Exemption
Current Value of
Property Without
Deducting Exemption
11 U.S.C. § 522(d)(5)
100.00
28,159.00
2008 Ford F350 Super Duty 106,200 miles - to
pull horse trailer - horses are for
medical/therapeutic reasons.
11 U.S.C. § 522(d)(2)
3,675.00
28,157.00
2005 Chevy Corvette
11 U.S.C. § 522(d)(2)
3,675.00
30,876.00
Boats, Motors and Accessories
Uitility trailer
11 U.S.C. § 522(d)(5)
200.00
200.00
Horse trailer
11 U.S.C. § 522(d)(5)
1,600.00
3,200.00
Office Equipment, Furnishings and Supplies
Business equipment
11 U.S.C. § 522(d)(5)
1,265.00
1,265.00
Animals
2 horses & 2 dogs
11 U.S.C. § 522(d)(3)
1,850.00
1,850.00
Other Personal Property of Any Kind Not Already Listed
Personal tools and lawn equipment
11 U.S.C. § 522(d)(5)
500.00
500.00
Retirement Income -Husband
11 U.S.C. § 522(d)(10)(B)
1,758.00
1,758.00
VA Income- Husband
11 U.S.C. § 522(d)(10)(B)
3,088.00
3,088.00
VA Income -Wife
11 U.S.C. § 522(d)(10)(B)
3,037.00
3,037.00
Caregiver Income-Wife
11 U.S.C. § 522(d)(9)
1,010.29
1,010.29
57,628.65
302,019.06
Sheet
1
of
1
Total:
continuation sheets attached to the Schedule of Property Claimed as Exempt
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B6D (Official Form 6D) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of
the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided
if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and
other security interests.
List creditors in alphabetical order to the extent practicable. If a minor child is 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 appropriate
schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H", "W", "J", or "C" in the column labeled "Husband, Wife, Joint, or Community".
If the claim is contingent, place an "X" in the column labeled "Contingent". If the claim is unliquidated, place an "X" in the column labeled "Unliquidated". If the
claim is disputed, place an "X" in the column labeled "Disputed". (You may need to place an "X" in more than one of these three columns.)
Total the columns labeled "Amount of Claim Without Deducting Value of Collateral" and "Unsecured Portion, if Any" in the boxes labeled "Total(s)" on the last
sheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual with
primarily consumer debts, report the total from the column labeled "Unsecured Portion" on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding secured claims to report on this Schedule D.
CREDITOR'S NAME
AND MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 1001675
Bexar County
c/o Donald P. Stecker
Linebarger Goggan Blair & Sampson,
LLP
711 Navaro, Suite 300
San Antonio, TX 78205
DATE CLAIM WAS INCURRED,
NATURE OF LIEN, AND
DESCRIPTION AND VALUE
OF PROPERTY
SUBJECT TO LIEN
1/1/2014
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF
CLAIM
WITHOUT
DEDUCTING
VALUE OF
COLLATERAL
UNSECURED
PORTION, IF
ANY
0.00
0.00
28,159.00
0.00
159,601.00
0.00
30,876.00
0.00
218,636.00
0.00
Property Taxes
HOMESTEAD:
C Location: 1941 Walter Raleigh, San
Antonio TX 78239
Value $
192,000.00
Account No. 450008065
Opened 12/01/12 Last Active 12/03/13
Gm Financial
Po Box 181145
Arlington, TX 76096
910 PMSI
2010 GMC Yukon 38,000 miles
C
Value $
28,159.00
Account No. 708158331
Opened 9/01/11 Last Active 11/06/13
Ocwen Loan Servicing
3451 Hammond Ave
Waterloo, IA 50702
First Mortgage
HOMESTEAD:
C Location: 1941 Walter Raleigh, San
Antonio TX 78239
Value $
192,000.00
Account No. 58728010001109
Opened 10/01/11 Last Active 11/08/13
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
Purchase Money Security
2005 Chevy Corvette
C
Value $
1
_____
continuation sheets attached
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
30,876.00
Subtotal
(Total of this page)
Best Case Bankruptcy
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64
B6D (Official Form 6D) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
(Continuation Sheet)
CREDITOR'S NAME
AND MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
DATE CLAIM WAS INCURRED,
NATURE OF LIEN, AND
DESCRIPTION AND VALUE
OF PROPERTY
SUBJECT TO LIEN
H
W
J
C
Account No. 58728010001312
Opened 5/01/13 Last Active 11/08/13
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
910 PMSI
C
O
N
T
I
N
G
E
N
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U
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U
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A
T
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D
D
I
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P
U
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AMOUNT OF
CLAIM
WITHOUT
DEDUCTING
VALUE OF
COLLATERAL
UNSECURED
PORTION, IF
ANY
28,157.00
0.00
200.00
0.00
28,357.00
0.00
246,993.00
0.00
2008 Ford F350 Super Duty 106,200
C miles - to pull horse trailer - horses are
for medical/therapeutic reasons.
Value $
Account No. 2886882
1/1/2014
Winn Brook Estates
300 E Sonterra Blvd Suite 350
San Antonio, TX 78258
HOA DUES
28,157.00
HOMESTEAD:
C Location: 1941 Walter Raleigh, San
Antonio TX 78239
Value $
192,000.00
Account No.
Value $
Account No.
Value $
Account No.
Value $
1
1
Sheet _____
of _____
continuation sheets attached to
Schedule of Creditors Holding Secured Claims
Subtotal
(Total of this page)
Total
(Report on Summary of Schedules)
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 19 of
64
B6E (Official Form 6E) (4/13)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS
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 entitled
to priority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address, including zip code, and last four digits of the
account number, if any, of all entities holding priority claims against the debtor or the property of the debtor, as of the date of the filing of the petition. Use a separate
continuation sheet for each type of priority and label each with the type of priority.
The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do
so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian."
Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate
schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim is contingent, place an "X" in the
column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled
"Disputed." (You may need to place an "X" in more than one of these three columns.)
Report the total of claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E in the box labeled
"Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules.
Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts entitled to priority
listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total
also on the Statistical Summary of Certain Liabilities and Related Data.
Report the total of amounts not entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts not entitled to
priority listed on this Schedule E in the box labeled "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 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).
* 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.
1
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
continuation sheets attached
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 20 of
64
B6E (Official Form 6E) (4/13) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS
(Continuation Sheet)
Taxes and Certain Other Debts
Owed to Governmental Units
TYPE OF PRIORITY
CREDITOR'S NAME,
AND MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 1491
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
DATE CLAIM WAS INCURRED
AND CONSIDERATION FOR CLAIM
Owed taxes
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT
OF CLAIM
AMOUNT NOT
ENTITLED TO
PRIORITY, IF ANY
AMOUNT
ENTITLED TO
PRIORITY
300.00
C
10,000.00
9,700.00
Account No.
Account No.
Account No.
Account No.
1
1
Sheet _____
of _____
continuation sheets attached to
Schedule of Creditors Holding Unsecured Priority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
300.00
(Total of this page)
10,000.00
Total
(Report on Summary of Schedules)
10,000.00
9,700.00
300.00
9,700.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 21 of
64
B6F (Official Form 6F) (12/07)
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In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without priority against the
debtor or the property of the debtor, as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the
trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's
parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Do not
include claims listed in Schedules D and E. If all creditors will not fit on this page, use the continuation sheet provided.
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate
schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community."
If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the
claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)
Report 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 of
Schedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 1886
ACB Recovery
5351 Winston Ave
Latonia, KY 41015
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
For Notice
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
0.00
Account No. 7707090000503724
American Finco Financial
425 N Martingale Rd Ste
Schaumburg, IL 60173
Opened 4/01/06 Last Active 7/24/06
Charge Account
C
0.00
Account No. 52304653371
American Medical Collection Agency
4 Westchester Plaza Suite 110
Elmsford, NY 10523
For Notice
C
0.00
Account No.
Attorney General
Child Support
P.O. Box 12017
Austin, TX 78711
For notice only
C
0.00
_____
8
continuation sheets attached
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
S/N:37114-131212
0.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 22 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 4800134026653635
Bank Of America
Po Box 982235
El Paso, TX 79998
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 2/01/08 Last Active 1/02/14
Credit Card
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
W
1,505.00
Account No. 6011549106887995
Citi bank
CitiCards Private Label Bankruptcy
Po Box 20483
Kansas City, MO 64195
Opened 12/01/09 Last Active 12/13/13
Charge Account/NTB
H
817.00
Settled
Account No.
Citi bank
CitiCards Private Label Bankruptcy
Po Box 20483
Kansas City, MO 64195
C
X
Unknown
Account No. 6074340917155978
Citifinancial
605 Munn Road
Fort Mill, SC 29715
Opened 2/01/07 Last Active 1/22/08
Unsecured
H
0.00
Account No.
Clinical Pathology Associates
PO Box 28770
Austin, TX 78755-8770
Services
C
271.75
Sheet no. _____
of _____
sheets attached to Schedule of
1
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
2,593.75
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 23 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 5856372445724666
Comenity Bank
Attention: Bankruptcy
P.O. Box 182686
Columbus, OH 43218
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 8/01/11 Last Active 4/03/13
Charge Account/Dress Barn
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
W
0.00
Account No. 6978005006479327
Comenity Bank
4590 E Broad St
Columbus, OH 43213
Opened 6/01/09 Last Active 1/31/13
Charge Account/lnbryant
W
0.00
Account No. 102594592
Credit Systems Intl In
1277 Country Club Ln
Fort Worth, TX 76112
Opened 1/01/09 Last Active 7/08/09
For Notice-Collection Attorney River City
Emergency Physici
W
0.00
Account No. 2674359
Crestwind
Willmon Way
San Antonio, TX 78239
Apartments
C
1,843.00
Account No. ACT15315924
DECA Financial Services LLC
PO box 505
Linden, MI 48451-0505
For Notice
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
2
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
1,843.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 24 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 6830739541931
Encore Receivable Management Inc
400 N rogers Road
Olathe, KS 66063-3330
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
For Notice
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
0.00
For notice only
Account No.
Equifax
PO Box 740241
Atlanta, GA 30374
C
0.00
For notice only
Account No.
Experian
PO Box 9701
Allen, TX 75013
C
0.00
Account No. 30178289
FMA Alliance LTD
12339 Cutten Road
Houston, TX 77066
For Notice
C
0.00
Account No.
Freedom Mortgatge
POBox 780
Waterloo, IA 50704
Notice only - for mortgage
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
3
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
0.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 25 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 6019183225092550
GE Capital Retail Bank
Attn: bankruptcy
Po Box 103104
Roswell, GA 30076
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 1/01/12 Last Active 10/23/13
Charge Account/Care Credit
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
1,774.00
For notice only
Account No.
HUD
615 East Houston Street, Suite 347
San Antonio, TX 78205
C
0.00
Medical
Account No.
Inpatient Consultants
7330 San Pedro Ave
San Antonio, TX 78216
C
646.00
For notice only
Account No.
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
C
0.00
Account No. 6978005006479327
Lane Bryant Retail/soa
450 Winks Ln
Bensalem, PA 19020
Opened 6/01/09 Last Active 12/17/09
Credit Card
W
Unknown
Sheet no. _____
of _____
sheets attached to Schedule of
4
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
2,420.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 26 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 46306660
Lincoln Automotive Financial
12110 Emmet St
Omaha, NE 68164
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 3/01/11 Last Active 5/03/13
Automobile
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
H
14,579.00
Account No. 6019440601262425
Military Star
3911 S Walton Walker Blv
Dallas, TX 75236
Opened 11/01/98 Last Active 1/02/14
Charge Account
H
1,775.07
Account No. 2819895
National Credit System
Attn: Bankruptcy
Po Box 312125
Atlanta, GA 31131
Opened 10/01/13
For Notice-Collection Attorney Crestwind
C
0.00
Account No. 2674359
National Credit System
Attn: Bankruptcy
Po Box 312125
Atlanta, GA 31131
Opened 1/01/13 Last Active 12/11/13
For Notice-Collection Attorney Crestwind
H
0.00
Account No. 31904944
Nco Financial/38
2360 Campbell Crk Ste 50
Richardson, TX 75082
Opened 12/01/07
For Notice-Collection Attorney Inpatient
Consultants
H
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
5
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
16,354.07
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 27 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Account No. 31904948
Nco Financial/38
2360 Campbell Crk Ste 50
Richardson, TX 75082
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
Opened 12/01/07
For NoticeCollection Attorney Inpatient
Consultants
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
H
0.00
Account No. 4071540045982916
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
Opened 12/01/07 Last Active 1/02/14
Loan
C
14,541.00
Account No. 588444-6001
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
Business Loan
C
49,000.00
Medical
Account No.
River City Federal Credit Union
610 Augusta Street
San Antonio, TX 78215
C
0.00
Account No.
Texas Comptroller
PO Box 13528
Austin, TX 78711-3528
For notice only
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
6
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
63,541.00
Best Case Bankruptcy
14-50463-rbk Doc#1 Filed 02/20/14 Entered 02/20/14 17:06:49 Main Document Pg 28 of
64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
Services
Account No.
Texas Department of Transportation
9320 SE Loop 410
San Antonio, TX 78223
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
Unknown
For notice only
Account No.
Texas Workforce Commission
101 E 15th Room 370
Austin, TX 78701
C
0.00
For notice only
Account No.
United States Attorney
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
C
0.00
For notice only
Account No.
United States Attorney
SOCIAL SECURITY ADMINISTRATION
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
C
0.00
Account No.
United States Attorney
IRS/HUD/VA/Department of Education
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
For notice only
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
7
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
0.00
Best Case Bankruptcy
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64
B6F (Official Form 6F) (12/07) - Cont.
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
(Continuation Sheet)
CREDITOR'S NAME,
MAILING ADDRESS
INCLUDING ZIP CODE,
AND ACCOUNT NUMBER
(See instructions above.)
C
O
D
E
B
T
O
R
Husband, Wife, Joint, or Community
H
W
J
C
For notice only
Account No.
United States Attorney General
Department of Justice
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
DATE CLAIM WAS INCURRED AND
CONSIDERATION FOR CLAIM. IF CLAIM
IS SUBJECT TO SETOFF, SO STATE.
C
O
N
T
I
N
G
E
N
T
U
N
L
I
Q
U
I
D
A
T
E
D
D
I
S
P
U
T
E
D
AMOUNT OF CLAIM
C
0.00
For notice only
Account No.
United States Attorney General
IRS/HUD/VA/Department of Education
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
C
0.00
For notice only
Account No.
United States Attorney General
SOCIAL SECURITY ADMINISTRATION
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
C
0.00
For notice only
Account No.
VA Regional Office
Office of District Counsel
2515 Murworth Drive
Houston, TX 77054
C
0.00
Account No. 5101036
Vengroff Williams Inc
PO Box 5155
Sarasota, FL 34230-4155
For Notice
C
0.00
Sheet no. _____
of _____
sheets attached to Schedule of
8
8
Creditors Holding Unsecured Nonpriority Claims
Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com
Subtotal
(Total of this page)
0.00
Total
(Report on Summary of Schedules)
86,751.82
Best Case Bankruptcy
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B6G (Official Form 6G) (12/07)
a
}
n
b
d
k
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{
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p
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t
o
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C
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
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 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 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.
0
continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases
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B6H (Official Form 6H) (12/07)
}
b
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1
{
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d
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l
H
C
o
t
r
s
In re
Case No.
Ronald Williams Armes,
Justina Armes
,
Debtors
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 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
NAME AND ADDRESS OF CREDITOR
0
continuation sheets attached to Schedule of Codebtors
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64
Fill in this information to identify your case:
Debtor 1
Ronald Williams Armes
Debtor 2
Justina Armes
(Spouse, if filing)
United States Bankruptcy Court for the:
WESTERN DISTRICT OF TEXAS
Case number
Check if this is:
An amended filing
A supplement showing post-petition chapter
13 income as of the following date:
(If known)
Official Form B 6I
Schedule I: Your Income
MM / DD/ YYYY
12/13
Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for
supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your
spouse. If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed,
attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.
Part 1:
1.
Describe Employment
Fill in your employment
information.
If you have more than one job,
attach a separate page with
information about additional
employers.
Include part-time, seasonal, or
self-employed work.
Occupation may include student
or homemaker, if it applies.
Debtor 1
Employment status
Occupation
Debtor 2 or non-filing spouse
Employed
Employed
Not employed
Not employed
Retired
Retired
Employer's name
Employer's address
How long employed there?
Part 2:
Give Details About Monthly Income
Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing
spouse unless you are separated.
If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need
more space, attach a separate sheet to this form.
For Debtor 1
For Debtor 2 or
non-filing spouse
2.
List monthly gross wages, salary, and commissions (before all payroll
deductions). If not paid monthly, calculate what the monthly wage would be.
2.
$
0.00
$
0.00
3.
Estimate and list monthly overtime pay.
3.
+$
0.00
+$
0.00
4.
Calculate gross Income. Add line 2 + line 3.
4.
$
Official Form B 6I
Schedule I: Your Income
0.00
$
0.00
page 1
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64
Debtor 1
Debtor 2
Ronald Williams Armes
Justina Armes
Case number (if known)
For Debtor 1
Copy line 4 here
5.
4.
$
0.00
For Debtor 2 or
non-filing spouse
$
0.00
5a.
5b.
5c.
5d.
5e.
5f.
5g.
5h.+
$
$
$
$
$
$
$
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 +
$
$
$
$
$
$
$
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
List all payroll deductions:
5a.
5b.
5c.
5d.
5e.
5f.
5g.
5h.
Tax, Medicare, and Social Security deductions
Mandatory contributions for retirement plans
Voluntary contributions for retirement plans
Required repayments of retirement fund loans
Insurance
Domestic support obligations
Union dues
Other deductions. Specify:
6.
Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h.
6.
$
0.00
$
0.00
7.
Calculate total monthly take-home pay. Subtract line 6 from line 4.
7.
$
0.00
$
0.00
8.
List all other income regularly received:
8a. Net income from rental property and from operating a business,
profession, or farm
Attach a statement for each property and business showing gross
receipts, ordinary and necessary business expenses, and the total
monthly net income.
8b. Interest and dividends
8c. Family support payments that you, a non-filing spouse, or a dependent
regularly receive
Include alimony, spousal support, child support, maintenance, divorce
settlement, and property settlement.
8d. Unemployment compensation
8e. Social Security
8f.
Other government assistance that you regularly receive
Include cash assistance and the value (if known) of any non-cash assistance
that you receive, such as food stamps (benefits under the Supplemental
Nutrition Assistance Program) or housing subsidies.
Specify: VA Income
8a.
8b.
$
$
0.00
0.00
$
$
0.00
0.00
8c.
8d.
8e.
$
$
$
0.00
0.00
0.00
$
$
$
0.00
0.00
0.00
8f.
$
$
$
3,017.60
0.00
1,813.00
$
$
$
3,017.60
1,011.38
0.00
0.00 + $
0.01
Caregiver Income - VA
9.
8g.
Pension or retirement income
8g.
8h.
Social Security - Non-CMI
Other monthly income. Specify: $1,304.90
8h.+ $
Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h.
9.
10. Calculate monthly income. Add line 7 + line 9.
Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse.
10. $
$
4,830.60
4,830.60 + $
$
4,028.99
4,028.99 = $
8,859.59
11. State all other regular contributions to the expenses that you list in Schedule J.
Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and
other friends or relatives.
Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.
Specify:
11. +$
0.00
12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income.
Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it
applies
12.
$
8,859.59
Combined
monthly income
13. Do you expect an increase or decrease within the year after you file this form?
No.
Yes. Explain:
Official Form B 6I
Schedule I: Your Income
page 2
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64
Fill in this information to identify your case:
Debtor 1
Ronald Williams Armes
Debtor 2
(Spouse, if filing)
Justina Armes
United States Bankruptcy Court for the:
Check if this is:
An amended filing
A supplement showing post-petition chapter 13
expenses as of the following date:
WESTERN DISTRICT OF TEXAS
MM / DD / YYYY
Case number
(If known)
A separate filing for Debtor 2 because Debtor 2
maintains a separate household
Official Form B 6J
Schedule J: Your Expenses
12/13
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case number
(if known). Answer every question.
Part 1:
Describe Your Household
1. Is this a joint case?
No. Go to line 2.
Yes. Does Debtor 2 live in a separate household?
No
Yes. Debtor 2 must file a separate Schedule J.
2.
Do you have dependents?
Do not list Debtor 1 and
Debtor 2.
No
Yes. Fill out this information for
each dependent...........
Dependent’s relationship to
Debtor 1 or Debtor 2
Dependent’s
age
Does dependent
live with you?
No
Yes
No
Yes
No
Yes
No
Yes
Do not state the dependents'
names.
3.
Do your expenses include
expenses of people other than
yourself and your dependents?
No
Yes
Part 2:
Estimate Your Ongoing Monthly Expenses
Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report
expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the
applicable date.
Include expenses paid for with non-cash government assistance if you know the value of
such assistance and have included it on Schedule I: Your Income (Official Form 6I.)
4.
The rental or home ownership expenses for your residence. Include first mortgage payments
and any rent for the ground or lot.
Your expenses
4. $
919.00
If not included in line 4:
5.
4a.
Real estate taxes
4b.
Property, homeowner’s, or renter’s insurance
4c.
Home maintenance, repair, and upkeep expenses
4d.
Homeowner’s association or condominium dues
Additional mortgage payments for your residence, such as home equity loans
Official Form B 6J
Schedule J: Your Expenses
4a.
4b.
4c.
4d.
5.
$
$
$
$
$
0.00
0.00
200.00
20.00
0.00
page 1
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64
Ronald Williams Armes
Justina Armes
Debtor 1
Debtor 2
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
Case number (if known)
Utilities:
6a.
Electricity, heat, natural gas
6b.
Water, sewer, garbage collection
6c.
Telephone, cell phone, Internet, satellite, and cable services
6d.
Other. Specify: Cell phone & mobile internet
Food and housekeeping supplies
Childcare and children’s education costs
Clothing, laundry, and dry cleaning
Personal care products and services
Medical and dental expenses
Transportation. Include gas, maintenance, bus or train fare.
Do not include car payments.
Entertainment, clubs, recreation, newspapers, magazines, and books
Charitable contributions and religious donations
Insurance.
Do not include insurance deducted from your pay or included in lines 4 or 20.
15a. Life insurance
15b. Health insurance
15c. Vehicle insurance
15d. Other insurance. Specify: Tricare
$
$
$
$
$
$
$
$
$
330.00
100.95
225.00
296.00
1,100.00
0.00
255.00
120.00
112.00
12. $
13. $
14. $
925.00
180.00
450.00
6a.
6b.
6c.
6d.
7.
8.
9.
10.
11.
15a.
15b.
15c.
15d.
Trailer Insurance
0.00
0.00
620.00
23.00
40.00
$
$
$
$
$
16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.
Specify:
16. $
17. Installment or lease payments:
17a. Car payments for Vehicle 1
17a. $
17b. Car payments for Vehicle 2
17b. $
17c. Other. Specify:
17c. $
17d. Other. Specify:
17d. $
18. Your payments of alimony, maintenance, and support that you did not report as deducted
18. $
from your pay on line 5, Schedule I, Your Income (Official Form 6I).
19. Other payments you make to support others who do not live with you.
$
Specify:
19.
20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.
20a. Mortgages on other property
20a. $
20b. Real estate taxes
20b. $
20c. Property, homeowner’s, or renter’s insurance
20c. $
20d. Maintenance, repair, and upkeep expenses
20d. $
20e. Homeowner’s association or condominium dues
20e. $
21. Other: Specify:
21. +$
SBP Cost and VA Waiver
+$
Pet maintenance (2 dogs, 1 is 15 years old)
+$
Vet & medical plan
+$
GYM
+$
Horse - Debtor has PTSD - Therapy
22. Your monthly expenses. Add lines 4 through 21.
The result is your monthly expenses.
23. Calculate your monthly net income.
23a. Copy line 12 (your combined monthly income) from Schedule I.
23b. Copy your monthly expenses from line 22 above.
23c.
Subtract your monthly expenses from your monthly income.
The result is your monthly net income.
22.
$
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
118.64
100.00
90.00
40.00
120.00
6,384.59
23a. $
23b. -$
8,859.59
6,384.59
23c. $
2,475.00
24. Do you expect an increase or decrease in your expenses within the year after you file this form?
For example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a modification to the terms of
your mortgage?
No.
Yes. Explain:
Home maintenance is higher as both Debtors have bad knees and are disabled.
Both Debtors have special dietary needs due to medical reasons.
Debtor's vehicles are high fuel consumption vehicle.
Official Form B 6J
Schedule J: Your Expenses
page 2
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B6 Declaration (Official Form 6 - Declaration). (12/07)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
DECLARATION CONCERNING DEBTOR'S SCHEDULES
DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR
I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of
sheets, and that they are true and correct to the best of my knowledge, information, and belief.
Date February 20, 2014
Signature
29
/s/ Ronald Williams Armes
Ronald Williams Armes
Debtor
Date February 20, 2014
Signature
/s/ Justina Armes
Justina Armes
Joint Debtor
Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both.
18 U.S.C. §§ 152 and 3571.
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B7 (Official Form 7) (04/13)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
STATEMENT OF FINANCIAL AFFAIRS
This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for
both spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or
not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole
proprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all such
activities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the
name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11
U.S.C. § 112; Fed. R. Bankr. P. 1007(m).
Questions 1 - 18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete
Questions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer
to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.
DEFINITIONS
"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in
business" for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of
the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner,
other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be "in business"
for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the
debtor's primary employment.
"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;
corporations of which the debtor is an officer, director, or person in control; officers, directors, and any persons in control of a corporate debtor and
their relatives; affiliates of the debtor and insiders of such affiliates; and any managing agent of the debtor. 11 U.S.C. § 101(2), (31).
1. Income from employment or operation of business
None
State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's
business, including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar
year to the date this case was commenced. State also the gross amounts received during the two years immediately preceding this
calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may
report fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT
$16,603.00
SOURCE
2012: Both Employment Income
$7,200.00
2012: Debtor Gross Business Receipts
2. Income other than from employment or operation of business
None
State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business
during the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT
$3,516.00
SOURCE
2014 YTD: Mil Retirement
$6,176.00
2014 YTD: Debtor VA Benefits
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B7 (Official Form 7) (04/13)
2
AMOUNT
$6,074.00
SOURCE
2014 YTD: Joint Dbt VA Benefits
$2,020.58
2014 YTD: Joint Dbt Caregiver Income
$21,130.00
2013: Mil Retirement
$21,695.00
2012: Military Retirement
$14,759.00
2012: Wife SSI Benefits
$12,123.48
2013: Joint Dbt Caregiver Income
$12,123.48
2012: Joint Dbt Caregiver Income
$37,056.00
2013: Debtor VA Benefits
$37,056.00
2012: Debtor VA Benefits
$36,444.00
2013: Joint Dbt VA Benefits
$36,444.00
2012: Joint Dbt VA Benefits
$13,752.00
2013 Wife Social Security
$2,292.00
2014 Wife Social Security
3. Payments to creditors
None
Complete a. or b., as appropriate, and c.
a. Individual or joint debtor(s) with primarily consumer debts: List all payments on loans, installment purchases of goods or
services, and other debts to any creditor made within 90 days immediately preceding the commencement of this case unless the
aggregate value of all property that constitutes or is affected by such transfer is less than $600. Indicate with an asterisk (*) any
payments that were made to a creditor on account of a domestic support obligation or as part of an alternative repayment schedule under
a plan by an approved nonprofit budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must
include payments by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is
not filed.)
NAME AND ADDRESS
OF CREDITOR
Pentagon Federal Cr Un
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
DATES OF
PAYMENTS
1/2014-$600.00
12/2013-$350.00
11/2013-$350.00
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
1/2014-$653.00
12/2013-$653.00
11/2013-$653.00
$1,959.00
$30,876.00
Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
1/2014-$673.00
12/2013-$673.00
11/2013-$673.00
$2,019.00
$28,157.00
Gm Financial
Po Box 181145
Arlington, TX 76096
1/2014-$601.00
12/2013-$601.00
11/2013-$601.00
$1,803.00
$28,159.00
Ocwen Loan Servicing L
3451 Hammond Ave
Waterloo, IA 50702
1/2014-$818.00
12/2013-$818.00
11/2013-$818.00
$2,454.00
$159,601.00
None
*
AMOUNT PAID
$1,300.00
AMOUNT STILL
OWING
$14,541.00
b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days
immediately preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such
transfer is less than $6,225*. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on
account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit
budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments and other
transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
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NAME AND ADDRESS OF CREDITOR
None
AMOUNT
PAID OR
VALUE OF
TRANSFERS
DATES OF
PAYMENTS/
TRANSFERS
AMOUNT STILL
OWING
c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of
creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF CREDITOR AND
RELATIONSHIP TO DEBTOR
Valarie Foye
DATE OF PAYMENT
$500.00
AMOUNT PAID
$500.00
AMOUNT STILL
OWING
$1,000.00
Sister - Family Gift/Loan
4. Suits and administrative proceedings, executions, garnishments and attachments
None
a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of
this bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
CAPTION OF SUIT
AND CASE NUMBER
None
NATURE OF
PROCEEDING
COURT OR AGENCY
AND LOCATION
STATUS OR
DISPOSITION
b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND ADDRESS OF PERSON FOR WHOSE
BENEFIT PROPERTY WAS SEIZED
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
DATE OF SEIZURE
1/2014 & 12/2013
DESCRIPTION AND VALUE OF
PROPERTY
IRS Garnishment
1/2014-$800.00
12/2013-$600.00
5. Repossessions, foreclosures and returns
None
List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or
returned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12
or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF
CREDITOR OR SELLER
Lincoln Automotive Financial
12110 Emmet St
Omaha, NE 68164
DATE OF REPOSSESSION,
FORECLOSURE SALE,
TRANSFER OR RETURN
6/2013
DESCRIPTION AND VALUE OF
PROPERTY
REPO/SURRENDER-2010 Lincoln MKS $32,000
6. Assignments and receiverships
None
a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of
this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a
joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF ASSIGNEE
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DATE OF
ASSIGNMENT
TERMS OF ASSIGNMENT OR SETTLEMENT
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None
b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND ADDRESS
OF CUSTODIAN
NAME AND LOCATION
OF COURT
CASE TITLE & NUMBER
DATE OF
ORDER
DESCRIPTION AND VALUE OF
PROPERTY
7. Gifts
None
List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary
and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions
aggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by
either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF
PERSON OR ORGANIZATION
Church
RELATIONSHIP TO
DEBTOR, IF ANY
Logan C. Armes
162 Brackenridge Rd
North Augusta, SC 29841
Daughter in School
DATE OF GIFT
$450.00/mth avg
12/2013
DESCRIPTION AND
VALUE OF GIFT
$450.00/mth avg
Purchased & gave to her:
2004 PT Cruiser $6000.00
8. Losses
None
List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or
since the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
DESCRIPTION AND VALUE
OF PROPERTY
DESCRIPTION OF CIRCUMSTANCES AND, IF
LOSS WAS COVERED IN WHOLE OR IN PART
BY INSURANCE, GIVE PARTICULARS
DATE OF LOSS
9. Payments related to debt counseling or bankruptcy
None
List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation
concerning debt consolidation, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediately
preceding the commencement of this case.
DATE OF PAYMENT,
NAME OF PAYER IF OTHER
THAN DEBTOR
2/12/2014
AMOUNT OF MONEY
OR DESCRIPTION AND VALUE
OF PROPERTY
$200.00 ATTORNEY FEES
Court Filing Fee
1/2014
$281.00 COURT FILING FEE
CINLegal.com
1/2014
$133.00 CREDIT REPORT AND
DEBTOR EDUCATION
COURSES
NAME AND ADDRESS
OF PAYEE
Vanhemelrijck Law Offices, LP.
1100 N.W. Loop 410
Suite 215
San Antonio, TX 78213
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10. Other transfers
None
a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor,
transferred either absolutely or as security within two years immediately preceding the commencement of this case. (Married debtors
filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF TRANSFEREE,
RELATIONSHIP TO DEBTOR
Ken Motor Sports
15664 IH 35 N
San Antonio, TX 78254
DATE
6/28/2012
DESCRIBE PROPERTY TRANSFERRED
AND VALUE RECEIVED
Sale-Yamaha 1300 Cruiser
$3,000.00 - paid off secured loan on bike.
Logan C. Armes
162 Brackenridge Rd
North Augusta, SC 29841
19 year old Daughter in school
12/17/2013
Purchased & gave to her: 2004 PT Cruiser
$6000.00
Bluebonnet Motors
351 N i35
New Braunfels, TX 78130
TRADE IN
5/2013
2004 Ford Superduty
$9,000.00
Cavender Cadillac
801 Broadway Street
San Antonio, TX 78215
TRADE IN
6/2012
2012 Saturn Redline
$22,000.00
None
b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled
trust or similar device of which the debtor is a beneficiary.
NAME OF TRUST OR OTHER
DEVICE
DATE(S) OF
TRANSFER(S)
AMOUNT OF MONEY OR DESCRIPTION AND
VALUE OF PROPERTY OR DEBTOR'S INTEREST
IN PROPERTY
11. Closed financial accounts
None
List all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or
otherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or other
financial accounts, certificates of deposit, or other instruments; shares and share accounts held in banks, credit unions, pension funds,
cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 12 or chapter 13 must
include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed,
unless the spouses are separated and a joint petition is not filed.)
TYPE OF ACCOUNT, LAST FOUR
DIGITS OF ACCOUNT NUMBER,
AND AMOUNT OF FINAL BALANCE
Checking
AMOUNT AND DATE OF SALE
OR CLOSING
1/2014 $0.00
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
Savings
1/2014 $0.00
Generations FCU
P.O. Box 830968
San Antonio, TX 78283-0968
Checking
10/2013 $0.00
Generations FCU
P.O. Box 830968
San Antonio, TX 78283-0968
Savings
10/2013 $0.00
NAME AND ADDRESS OF INSTITUTION
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
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12. Safe deposit boxes
None
List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year
immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or
depositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND ADDRESS OF BANK
OR OTHER DEPOSITORY
NAMES AND ADDRESSES
OF THOSE WITH ACCESS
TO BOX OR DEPOSITORY
DESCRIPTION
OF CONTENTS
DATE OF TRANSFER OR
SURRENDER, IF ANY
13. Setoffs
None
List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF CREDITOR
DATE OF SETOFF
AMOUNT OF SETOFF
14. Property held for another person
None
List all property owned by another person that the debtor holds or controls.
NAME AND ADDRESS OF OWNER
DESCRIPTION AND VALUE OF PROPERTY
LOCATION OF PROPERTY
15. Prior address of debtor
None
If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor
occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate
address of either spouse.
ADDRESS
NAME USED
DATES OF OCCUPANCY
16. Spouses and Former Spouses
None
If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho,
Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the
commencement of the case, identify the name of the debtor’s spouse and of any former spouse who resides or resided with the debtor in
the community property state.
NAME
17. Environmental Information.
For the purpose of this question, the following definitions apply:
"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous
or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to,
statutes or regulations regulating the cleanup of these substances, wastes, or material.
"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or
operated by the debtor, including, but not limited to, disposal sites.
"Hazardous Material" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material,
pollutant, or contaminant or similar term under an Environmental Law
None
a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable
or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known,
the Environmental Law:
SITE NAME AND ADDRESS
NAME AND ADDRESS OF
GOVERNMENTAL UNIT
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DATE OF
NOTICE
ENVIRONMENTAL
LAW
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None
b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous
Material. Indicate the governmental unit to which the notice was sent and the date of the notice.
SITE NAME AND ADDRESS
None
NAME AND ADDRESS OF
GOVERNMENTAL UNIT
DATE OF
NOTICE
ENVIRONMENTAL
LAW
c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which
the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the
docket number.
NAME AND ADDRESS OF
GOVERNMENTAL UNIT
DOCKET NUMBER
STATUS OR DISPOSITION
18 . Nature, location and name of business
None
a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a
partnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six years
immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities
within six years immediately preceding the commencement of this case.
If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six
years immediately preceding the commencement of this case.
If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six
years immediately preceding the commencement of this case.
NAME
Medisurge LLC
LAST FOUR DIGITS OF
SOCIAL-SECURITY OR
OTHER INDIVIDUAL
TAXPAYER-I.D. NO.
(ITIN)/ COMPLETE EIN
3-20382-3757-7
ADDRESS
1941 Walter Raleigh
San Antonio, TX
78239-1858
NATURE OF BUSINESS
Medical Billing
BEGINNING AND
ENDING DATES
1/1/2010-2012
International
Escapes
3084
Home
Multilevel Marketing
1/2013 - still member,
but not doing
business.
Advocate For
Change Ministries
3084
Home
Ministries/social
services
2006 - not done
business
None
b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.
NAME
ADDRESS
The following questions are to be completed by every debtor that is a corporation or partnership and by any individual debtor who is or has
been, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, or
owner of more than 5 percent of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership, a sole
proprietor, or self-employed in a trade, profession, or other activity, either full- or part-time.
(An individual or joint debtor should complete this portion of the statement only if the debtor is or has been in business, as defined above,
within six years immediately preceding the commencement of this case. A debtor who has not been in business within those six years should go
directly to the signature page.)
19. Books, records and financial statements
None
a. List all bookkeepers and accountants who within two years immediately preceding the filing of this bankruptcy case kept or
supervised the keeping of books of account and records of the debtor.
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NAME AND ADDRESS
None
b. List all firms or individuals who within the two years immediately preceding the filing of this bankruptcy case have audited the books
of account and records, or prepared a financial statement of the debtor.
NAME
None
DATES SERVICES RENDERED
ADDRESS
DATES SERVICES RENDERED
c. List all firms or individuals who at the time of the commencement of this case were in possession of the books of account and records
of the debtor. If any of the books of account and records are not available, explain.
NAME
None
ADDRESS
d. List all financial institutions, creditors and other parties, including mercantile and trade agencies, to whom a financial statement was
issued by the debtor within two years immediately preceding the commencement of this case.
NAME AND ADDRESS
DATE ISSUED
20. Inventories
None
a. List the dates of the last two inventories taken of your property, the name of the person who supervised the taking of each inventory,
and the dollar amount and basis of each inventory.
DATE OF INVENTORY
None
INVENTORY SUPERVISOR
DOLLAR AMOUNT OF INVENTORY
(Specify cost, market or other basis)
b. List the name and address of the person having possession of the records of each of the inventories reported in a., above.
NAME AND ADDRESSES OF CUSTODIAN OF INVENTORY
RECORDS
DATE OF INVENTORY
21 . Current Partners, Officers, Directors and Shareholders
None
a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.
NAME AND ADDRESS
None
NATURE OF INTEREST
PERCENTAGE OF INTEREST
b. If the debtor is a corporation, list all officers and directors of the corporation, and each stockholder who directly or indirectly owns,
controls, or holds 5 percent or more of the voting or equity securities of the corporation.
NAME AND ADDRESS
TITLE
NATURE AND PERCENTAGE
OF STOCK OWNERSHIP
22 . Former partners, officers, directors and shareholders
None
a. If the debtor is a partnership, list each member who withdrew from the partnership within one year immediately preceding the
commencement of this case.
NAME
None
ADDRESS
DATE OF WITHDRAWAL
b. If the debtor is a corporation, list all officers, or directors whose relationship with the corporation terminated within one year
immediately preceding the commencement of this case.
NAME AND ADDRESS
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TITLE
DATE OF TERMINATION
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23 . Withdrawals from a partnership or distributions by a corporation
None
If the debtor is a partnership or corporation, list all withdrawals or distributions credited or given to an insider, including compensation
in any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding the
commencement of this case.
NAME & ADDRESS
OF RECIPIENT,
RELATIONSHIP TO DEBTOR
AMOUNT OF MONEY
OR DESCRIPTION AND
VALUE OF PROPERTY
DATE AND PURPOSE
OF WITHDRAWAL
24. Tax Consolidation Group.
None
If the debtor is a corporation, list the name and federal taxpayer identification number of the parent corporation of any consolidated
group for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencement
of the case.
NAME OF PARENT CORPORATION
TAXPAYER IDENTIFICATION NUMBER (EIN)
25. Pension Funds.
None
If the debtor is not an individual, list the name and federal taxpayer-identification number of any pension fund to which the debtor, as an
employer, has been responsible for contributing at any time within six years immediately preceding the commencement of the case.
NAME OF PENSION FUND
TAXPAYER IDENTIFICATION NUMBER (EIN)
******
DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR
I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto
and that they are true and correct.
Date February 20, 2014
Signature
/s/ Ronald Williams Armes
Ronald Williams Armes
Debtor
Date February 20, 2014
Signature
/s/ Justina Armes
Justina Armes
Joint Debtor
Penalty for making a false statement: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571
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United States Bankruptcy Court
Western District of Texas
Ronald Williams Armes
Justina Armes
In re
Case No.
Chapter
Debtor(s)
13
DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR(S)
1.
2.
Pursuant to 11 U.S.C. § 329(a) and Bankruptcy Rule 2016(b), I certify that I am the attorney for the above-named debtor and that
compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for services rendered or to
be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows:
For legal services, I have agreed to accept
$
3,200.00
Prior to the filing of this statement I have received
$
200.00
Balance Due
$
3,000.00
The source of the compensation paid to me was:
Debtor
3.
Other (specify):
The source of compensation to be paid to me is:
Debtor
4.
Other (specify):
I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm.
I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A
copy of the agreement, together with a list of the names of the people sharing in the compensation is attached.
5.
In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:
a.
b.
c.
d.
6.
Analysis of the debtor's financial situation, and rendering advice to the debtor in determining whether to file a petition in bankruptcy;
Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;
Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;
[Other provisions as needed]
Negotiations with secured creditors to reduce to market value; exemption planning; preparation and filing of
reaffirmation agreements and applications as needed; preparation and filing of motions pursuant to 11 USC
522(f)(2)(A) for avoidance of liens on household goods.
By agreement with the debtor(s), the above-disclosed fee does not include the following service:
Representation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions or
any other adversary proceeding.
CERTIFICATION
I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in
this bankruptcy proceeding.
Dated:
February 20, 2014
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/s/ J. Robert Vanhemelrijck
J. Robert Vanhemelrijck 24056468
Vanhemelrijck Law Offices, LP.
1100 N.W. Loop 410
Suite 215
San Antonio, TX 78213
(210) 804-1529 Fax: (866) 830-3521
[email protected]
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B 201A (Form 201A) (11/12)
UNITED STATES BANKRUPTCY COURT
WESTERN DISTRICT OF TEXAS
NOTICE TO CONSUMER DEBTOR(S) UNDER § 342(b)
OF THE BANKRUPTCY CODE
In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes
briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of
bankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney General
may examine all information you supply in connection with a bankruptcy case.
You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an
attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice.
Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that
you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in
your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists
the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed
from the bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse
receive a separate copy of all notices.
1. Services Available from Credit Counseling Agencies
With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy
relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and
provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The
briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be
provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The
clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a
joint case must complete the briefing.
In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial management
instructional course before he or she can receive a discharge. The clerk also has a list of approved financial management
instructional courses. Each debtor in a joint case must complete the course.
2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors
Chapter 7: Liquidation ($245 filing fee, $46 administrative fee, $15 trustee surcharge: Total Fee $306)
Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose
debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to
proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases,
the United States trustee (or bankruptcy administrator), the trustee, or creditors have the right to file a motion requesting that the court
dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed.
Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take
possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.
The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have
committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the
purpose for which you filed the bankruptcy petition will be defeated.
Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be
responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement
obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your
bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated
from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and
malicious injury, the bankruptcy court may determine that the debt is not discharged.
Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee,
$46 administrative fee: Total fee $281)
Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over
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Form B 201A, Notice to Consumer Debtor(s)
Page 2
a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy
Code.
Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using
your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your
income and other factors. The court must approve your plan before it can take effect.
After completing the payments under your plan, your debts are generally discharged except for domestic support obligations;
most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your
bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations.
Chapter 11: Reorganization ($1,167 filing fee, $46 administrative fee: Total fee $1,213)
Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quite
complicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney.
Chapter 12: Family Farmer or Fisherman ($200 filing fee, $46 administrative fee: Total fee $246)
Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earnings
and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose income arises primarily from a
family-owned farm or commercial fishing operation.
3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials
A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, either
orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information supplied by a
debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the United
States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice.
WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors,
assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not
filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court. The
documents and the deadlines for filing them are listed on Form B200, which is posted at
http://www.uscourts.gov/bkforms/bankruptcy_forms.html#procedure.
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B 201B (Form 201B) (12/09)
United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)
UNDER § 342(b) OF THE BANKRUPTCY CODE
Certification of Debtor
I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy
Code.
Ronald Williams Armes
Justina Armes
Printed Name(s) of Debtor(s)
Case No. (if known)
X /s/ Ronald Williams Armes
Signature of Debtor
February 20, 2014
X /s/ Justina Armes
Signature of Joint Debtor (if any)
February 20, 2014
Date
Date
Instructions: Attach a copy of Form B 201 A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code.
Use this form to certify that the debtor has received the notice required by 11 U.S.C. § 342(b) only if the certification has NOT been made on the
Voluntary Petition, Official Form B1. Exhibit B on page 2 of Form B1 contains a certification by the debtor's attorney that the attorney has given the
notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on page 3 of Form B1 also include this certification.
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United States Bankruptcy Court
Western District of Texas
In re
Ronald Williams Armes
Justina Armes
Debtor(s)
Case No.
Chapter
13
VERIFICATION OF CREDITOR MATRIX
The above-named Debtors hereby verify that the attached list of creditors is true and correct to the best of their knowledge.
Date:
February 20, 2014
/s/ Ronald Williams Armes
Ronald Williams Armes
Signature of Debtor
Date:
February 20, 2014
/s/ Justina Armes
Justina Armes
Signature of Debtor
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}
b
k
1
{
C
r
e
d
i
t
o
A
s
M
a
x
ACB Recovery
5351 Winston Ave
Latonia, KY 41015
American Finco Financial
425 N Martingale Rd Ste
Schaumburg, IL 60173
American Medical Collection Agency
4 Westchester Plaza Suite 110
Elmsford, NY 10523
Attorney General
Child Support
P.O. Box 12017
Austin, TX 78711
Bank Of America
Po Box 982235
El Paso, TX 79998
Bexar County
c/o Donald P. Stecker
Linebarger Goggan Blair & Sampson, LLP
711 Navaro, Suite 300
San Antonio, TX 78205
Citi bank
CitiCards Private Label Bankruptcy
Po Box 20483
Kansas City, MO 64195
Citifinancial
605 Munn Road
Fort Mill, SC 29715
Clinical Pathology Associates
PO Box 28770
Austin, TX 78755-8770
Comenity Bank
Attention: Bankruptcy
P.O. Box 182686
Columbus, OH 43218
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Comenity Bank
4590 E Broad St
Columbus, OH 43213
Credit Systems Intl In
1277 Country Club Ln
Fort Worth, TX 76112
Crestwind
Willmon Way
San Antonio, TX 78239
DECA Financial Services LLC
PO box 505
Linden, MI 48451-0505
Encore Receivable Management Inc
400 N rogers Road
Olathe, KS 66063-3330
Equifax
PO Box 740241
Atlanta, GA 30374
Experian
PO Box 9701
Allen, TX 75013
FMA Alliance LTD
12339 Cutten Road
Houston, TX 77066
Freedom Mortgatge
POBox 780
Waterloo, IA 50704
GE Capital Retail Bank
Attn: bankruptcy
Po Box 103104
Roswell, GA 30076
Gm Financial
Po Box 181145
Arlington, TX 76096
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HUD
615 East Houston Street, Suite 347
San Antonio, TX 78205
Inpatient Consultants
7330 San Pedro Ave
San Antonio, TX 78216
Internal Revenue Service
Special Procedures-Insolvency
P.O. Box 7346
Philadelphia, PA 19101-7346
Lane Bryant Retail/soa
450 Winks Ln
Bensalem, PA 19020
Lincoln Automotive Financial
12110 Emmet St
Omaha, NE 68164
Military Star
3911 S Walton Walker Blv
Dallas, TX 75236
National Credit System
Attn: Bankruptcy
Po Box 312125
Atlanta, GA 31131
Nco Financial/38
2360 Campbell Crk Ste 50
Richardson, TX 75082
Ocwen Loan Servicing
3451 Hammond Ave
Waterloo, IA 50702
Pentagon Federal Credit Union
Attention: Bankruptcy Department
2930 Eisenhower Ave
Alexandra, VA 22314
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Randolph Brook Federal Credit Union
Po Box 2097
Universal City, TX 78148
River City Federal Credit Union
610 Augusta Street
San Antonio, TX 78215
Texas Comptroller
PO Box 13528
Austin, TX 78711-3528
Texas Department of Transportation
9320 SE Loop 410
San Antonio, TX 78223
Texas Workforce Commission
101 E 15th Room 370
Austin, TX 78701
United States Attorney
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
United States Attorney
SOCIAL SECURITY ADMINISTRATION
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
United States Attorney
IRS/HUD/VA/Department of Education
601 N.W. Loop 410, Suite 600
San Antonio, TX 78216
United States Attorney General
Department of Justice
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
United States Attorney General
IRS/HUD/VA/Department of Education
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
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United States Attorney General
SOCIAL SECURITY ADMINISTRATION
950 Pennsylvania Avenue, N.W.
Washington, DC 20530
VA Regional Office
Office of District Counsel
2515 Murworth Drive
Houston, TX 77054
Vengroff Williams Inc
PO Box 5155
Sarasota, FL 34230-4155
Winn Brook Estates
300 E Sonterra Blvd Suite 350
San Antonio, TX 78258
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B 22C (Official Form 22C) (Chapter 13) (04/13)
Ronald Williams Armes
Justina Armes
Debtor(s)
Case Number:
(If known)
In re
According to the calculations required by this statement:
The applicable commitment period is 3 years.
The applicable commitment period is 5 years.
Disposable income is determined under § 1325(b)(3).
Disposable income is not determined under § 1325(b)(3).
(Check the boxes as directed in Lines 17 and 23 of this statement.)
CHAPTER 13 STATEMENT OF CURRENT MONTHLY INCOME
AND CALCULATION OF COMMITMENT PERIOD AND DISPOSABLE INCOME
In addition to Schedules I and J, this statement must be completed by every individual chapter 13 debtor, whether or not filing jointly. Joint debtors
may complete one statement only.
Part I. REPORT OF INCOME
1
Marital/filing status. Check the box that applies and complete the balance of this part of this statement as directed.
a. Unmarried. Complete only Column A ("Debtor's Income") for Lines 2-10.
b.
Married. Complete both Column A ("Debtor's Income") and Column B ("Spouse's Income") for Lines 2-10.
All figures must reflect average monthly income received from all sources, derived during the six
Column A
calendar months prior to filing the bankruptcy case, ending on the last day of the month before
Debtor's
the filing. If the amount of monthly income varied during the six months, you must divide the
Income
six-month total by six, and enter the result on the appropriate line.
Column B
Spouse's
Income
2
Gross wages, salary, tips, bonuses, overtime, commissions.
$
0.00 $
1,146.00
3
Income from the operation of a business, profession, or farm. Subtract Line b from Line a and
enter the difference in the appropriate column(s) of Line 3. If you operate more than one business,
profession or farm, enter aggregate numbers and provide details on an attachment. Do not enter a
number less than zero. Do not include any part of the business expenses entered on Line b as
a deduction in Part IV.
Debtor
Spouse
a.
Gross receipts
$
0.00 $
0.00
0.00 $
0.00
b.
Ordinary and necessary business expenses $
c.
Business income
Subtract Line b from Line a
$
0.00 $
0.00
4
Rents and other real property income. Subtract Line b from Line a and enter the difference in
the appropriate column(s) of Line 4. Do not enter a number less than zero. Do not include any
part of the operating expenses entered on Line b as a deduction in Part IV.
Debtor
Spouse
a.
Gross receipts
$
0.00 $
0.00
0.00 $
0.00
b.
Ordinary and necessary operating expenses $
c.
Rent and other real property income
Subtract Line b from Line a
$
0.00 $
0.00
5
Interest, dividends, and royalties.
$
0.00 $
0.00
6
Pension and retirement income.
$
1,808.29 $
0.00
Any amounts paid by another person or entity, on a regular basis, for the household
expenses of the debtor or the debtor's dependents, including child support paid for that
purpose. Do not include alimony or separate maintenance payments or amounts paid by the
debtor's spouse. Each regular payment should be reported in only one column; if a payment is
listed in Column A, do not report that payment in Column B.
Unemployment compensation. Enter the amount in the appropriate column(s) of Line 8.
However, if you contend that unemployment compensation received by you or your spouse was a
benefit under the Social Security Act, do not list the amount of such compensation in Column A
or B, but instead state the amount in the space below:
$
0.00 $
0.00
0.00 $
0.00 $
0.00
7
8
Unemployment compensation claimed to
be a benefit under the Social Security Act Debtor $
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2
B 22C (Official Form 22C) (Chapter 13) (04/13)
9
10
11
Income from all other sources. Specify source and amount. If necessary, list additional sources
on a separate page. Total and enter on Line 9. Do not include alimony or separate
maintenance payments paid by your spouse, but include all other payments of alimony or
separate maintenance. Do not include any benefits received under the Social Security Act or
payments received as a victim of a war crime, crime against humanity, or as a victim of
international or domestic terrorism.
Debtor
Spouse
a. VA Income
$
3,088.00 $
3,037.00
b. Caregiver Income
$
0.00 $
1,010.29 $
Subtotal. Add Lines 2 thru 9 in Column A, and, if Column B is completed, add Lines 2 through 9
$
in Column B. Enter the total(s).
Total. If Column B has been completed, add Line 10, Column A to Line 10, Column B, and enter
$
the total. If Column B has not been completed, enter the amount from Line 10, Column A.
3,088.00 $
4,047.29
4,896.29 $
5,193.29
10,089.58
Part II. CALCULATION OF § 1325(b)(4) COMMITMENT PERIOD
12
Enter the amount from Line 11
$
10,089.58
Total and enter on Line 13
$
0.00
14
Subtract Line 13 from Line 12 and enter the result.
$
10,089.58
15
Annualized current monthly income for § 1325(b)(4). Multiply the amount from Line 14 by the number 12 and
enter the result.
$
121,074.96
$
56,296.00
13
Marital Adjustment. If you are married, but are not filing jointly with your spouse, AND if you contend that
calculation of the commitment period under § 1325(b)(4) does not require inclusion of the income of your spouse,
enter on Line 13 the amount of the income listed in Line 10, Column B that was NOT paid on a regular basis for
the household expenses of you or your dependents and specify, in the lines below, the basis for excluding this
income (such as payment of the spouse's tax liability or the spouse's support of persons other than the debtor or the
debtor's dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments
on a separate page. If the conditions for entering this adjustment do not apply, enter zero.
a.
b.
c.
16
$
$
$
Applicable median family income. Enter the median family income for applicable state and household size. (This
information is available by family size at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)
a. Enter debtor's state of residence:
TX
b. Enter debtor's household size:
2
Application of § 1325(b)(4). Check the applicable box and proceed as directed.
The amount on Line 15 is less than the amount on Line 16. Check the box for "The applicable commitment period is 3 years" at the
top of page 1 of this statement and continue with this statement.
17
The amount on Line 15 is not less than the amount on Line 16. Check the box for "The applicable commitment period is 5 years"
at the top of page 1 of this statement and continue with this statement.
Part III. APPLICATION OF § 1325(b)(3) FOR DETERMINING DISPOSABLE INCOME
18
Enter the amount from Line 11.
19
Marital Adjustment. If you are married, but are not filing jointly with your spouse, enter on Line 19 the total of
any income listed in Line 10, Column B that was NOT paid on a regular basis for the household expenses of the
debtor or the debtor's dependents. Specify in the lines below the basis for excluding the Column B income(such as
payment of the spouse's tax liability or the spouse's support of persons other than the debtor or the debtor's
dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments on a
separate page. If the conditions for entering this adjustment do not apply, enter zero.
$
10,089.58
Total and enter on Line 19.
$
0.00
Current monthly income for § 1325(b)(3). Subtract Line 19 from Line 18 and enter the result.
$
10,089.58
a.
b.
c.
20
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$
$
$
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B 22C (Official Form 22C) (Chapter 13) (04/13)
21
22
3
Annualized current monthly income for § 1325(b)(3). Multiply the amount from Line 20 by the number 12 and
enter the result.
$
121,074.96
Applicable median family income. Enter the amount from Line 16.
$
56,296.00
Application of § 1325(b)(3). Check the applicable box and proceed as directed.
The amount on Line 21 is more than the amount on Line 22. Check the box for "Disposable income is determined under §
1325(b)(3)" at the top of page 1 of this statement and complete the remaining parts of this statement.
23
The amount on Line 21 is not more than the amount on Line 22. Check the box for "Disposable income is not determined under §
1325(b)(3)" at the top of page 1 of this statement and complete Part VII of this statement. Do not complete Parts IV, V, or VI.
Part IV. CALCULATION OF DEDUCTIONS FROM INCOME
Subpart A: Deductions under Standards of the Internal Revenue Service (IRS)
24A
24B
National Standards: food, apparel and services, housekeeping supplies, personal care, and miscellaneous.
Enter in Line 24A the "Total" amount from IRS National Standards for Allowable Living Expenses for the
applicable number of persons. (This information is available at www.usdoj.gov/ust/ or from the clerk of the
bankruptcy court.) The applicable number of persons is the number that would currently be allowed as exemptions
on your federal income tax return, plus the number of any additional dependents whom you support.
25B
a1.
Allowance per person
b1.
Number of persons
c1.
Subtotal
0.00 $
120.00
Persons 65 years of age or older
60 a2.
2 b2.
120.00 c2.
Allowance per person
144
0
Number of persons
Subtotal
Local Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing and
Utilities Standards; non-mortgage expenses for the applicable county and family size. (This information is
available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court). The applicable family size consists of
the number that would currently be allowed as exemptions on your federal income tax return, plus the number of
any additional dependents whom you support.
$
472.00
$
36.52
$
0.00
Local Standards: housing and utilities; mortgage/rent expense. Enter, in Line a below, the amount of the IRS
Housing and Utilities Standards; mortgage/rent expense for your county and family size (this information is
available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court) (the applicable family size consists of
the number that would currently be allowed as exemptions on your federal income tax return, plus the number of
any additional dependents whom you support); enter on Line b the total of the Average Monthly Payments for any
debts secured by your home, as stated in Line 47; subtract Line b from Line a and enter the result in Line 25B. Do
not enter an amount less than zero.
a.
b.
c.
26
1,053.00
National Standards: health care. Enter in Line a1 below the amount from IRS National Standards for
Out-of-Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards for
Out-of-Pocket Health Care for persons 65 years of age or older. (This information is available at
www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) Enter in Line b1 the applicable number of persons
who are under 65 years of age, and enter in Line b2 the applicable number of persons who are 65 years of age or
older. (The applicable number of persons in each age category is the number in that category that would currently
be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom
you support.) Multiply Line a1 by Line b1 to obtain a total amount for persons under 65, and enter the result in
Line c1. Multiply Line a2 by Line b2 to obtain a total amount for persons 65 and older, and enter the result in Line
c2. Add Lines c1 and c2 to obtain a total health care amount, and enter the result in Line 24B.
Persons under 65 years of age
25A
$
IRS Housing and Utilities Standards; mortgage/rent expense
Average Monthly Payment for any debts secured by your
home, if any, as stated in Line 47
Net mortgage/rental expense
$
1,060.00
$
Subtract Line b from Line a.
1,023.48
Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 25A and
25B does not accurately compute the allowance to which you are entitled under the IRS Housing and Utilities
Standards, enter any additional amount to which you contend you are entitled, and state the basis for your
contention in the space below:
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B 22C (Official Form 22C) (Chapter 13) (04/13)
27A
Local Standards: transportation; vehicle operation/public transportation expense. You are entitled to an
expense allowance in this category regardless of whether you pay the expenses of operating a vehicle and
regardless of whether you use public transportation.
Check the number of vehicles for which you pay the operating expenses or for which the operating expenses are
included as a contribution to your household expenses in Line 7. 0
1
2 or more.
If you checked 0, enter on Line 27A the "Public Transportation" amount from IRS Local Standards:
Transportation. If you checked 1 or 2 or more, enter on Line 27A the "Operating Costs" amount from IRS Local
Standards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area or
Census Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)
27B
4
$
488.00
Local Standards: transportation; additional public transportation expense. If you pay the operating expenses
for a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction for
your public transportation expenses, enter on Line 27B the "Public Transportation" amount from the IRS Local
Standards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy
$
court.)
0.00
Local Standards: transportation ownership/lease expense; Vehicle 1. Check the number of vehicles for which
you claim an ownership/lease expense. (You may not claim an ownership/lease expense for more than two
vehicles.)
1
2 or more.
28
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average
Monthly Payments for any debts secured by Vehicle 1, as stated in Line 47; subtract Line b from Line a and enter
the result in Line 28. Do not enter an amount less than zero.
a.
b.
c.
29
32
33
34
35
517.00
$
Subtract Line b from Line a.
469.32
47.68
$
2.40
Other Necessary Expenses: taxes. Enter the total average monthly expense that you actually incur for all federal,
state, and local taxes, other than real estate and sales taxes, such as income taxes, self employment taxes, social
security taxes, and Medicare taxes. Do not include real estate or sales taxes.
$
0.00
Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthly
deductions that are required for your employment, such as mandatory retirement contributions, union dues, and
uniform costs. Do not include discretionary amounts, such as voluntary 401(k) contributions.
$
0.00
Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for term
life insurance for yourself. Do not include premiums for insurance on your dependents, for whole life or for
any other form of insurance.
$
0.00
Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are required to
pay pursuant to the order of a court or administrative agency, such as spousal or child support payments. Do not
include payments on past due obligations included in line 49.
$
0.00
Other Necessary Expenses: education for employment or for a physically or mentally challenged child. Enter
the total average monthly amount that you actually expend for education that is a condition of employment and for
education that is required for a physically or mentally challenged dependent child for whom no public education
providing similar services is available.
$
0.00
Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend on
childcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments.
0.00
Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you checked
the "2 or more" Box in Line 28.
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average
Monthly Payments for any debts secured by Vehicle 2, as stated in Line 47; subtract Line b from Line a and enter
the result in Line 29. Do not enter an amount less than zero.
b.
c.
31
$
$
a.
30
IRS Transportation Standards, Ownership Costs
Average Monthly Payment for any debts secured by Vehicle
1, as stated in Line 47
Net ownership/lease expense for Vehicle 1
IRS Transportation Standards, Ownership Costs
Average Monthly Payment for any debts secured by Vehicle
2, as stated in Line 47
Net ownership/lease expense for Vehicle 2
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$
517.00
$
Subtract Line b from Line a.
514.60
$
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B 22C (Official Form 22C) (Chapter 13) (04/13)
36
37
38
5
Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend on
health care that is required for the health and welfare of yourself or your dependents, that is not reimbursed by
insurance or paid by a health savings account, and that is in excess of the amount entered in Line 24B. Do not
include payments for health insurance or health savings accounts listed in Line 39.
$
0.00
Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that you
actually pay for telecommunication services other than your basic home telephone and cell phone service - such as
pagers, call waiting, caller id, special long distance, or internet service-to the extent necessary for your health and
welfare or that of your dependents. Do not include any amount previously deducted.
$
300.00
Total Expenses Allowed under IRS Standards. Enter the total of Lines 24 through 37.
$
2,519.60
$
23.00
$
0.00
Protection against family violence. Enter the total average reasonably necessary monthly expenses that you
actually incur to maintain the safety of your family under the Family Violence Prevention and Services Act or other
applicable federal law. The nature of these expenses is required to be kept confidential by the court.
$
0.00
Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS Local
Standards for Housing and Utilities that you actually expend for home energy costs. You must provide your case
trustee with documentation of your actual expenses, and you must demonstrate that the additional amount
claimed is reasonable and necessary.
$
0.00
Education expenses for dependent children under 18. Enter the total average monthly expenses that you
actually incur, not to exceed $156.25 per child, for attendance at a private or public elementary or secondary
school by your dependent children less than 18 years of age. You must provide your case trustee with
documentation of your actual expenses, and you must explain why the amount claimed is reasonable and
necessary and not already accounted for in the IRS Standards.
$
0.00
Additional food and clothing expense. Enter the total average monthly amount by which your food and clothing
expenses exceed the combined allowances for food and clothing (apparel and services) in the IRS National
Standards, not to exceed 5% of those combined allowances. (This information is available at www.usdoj.gov/ust/
or from the clerk of the bankruptcy court.) You must demonstrate that the additional amount claimed is
reasonable and necessary.
$
0.00
Charitable contributions. Enter the amount reasonably necessary for you to expend each month on charitable
contributions in the form of cash or financial instruments to a charitable organization as defined in 26 U.S.C. §
170(c)(1)-(2). Do not include any amount in excess of 15% of your gross monthly income.
$
450.00
Total Additional Expense Deductions under § 707(b). Enter the total of Lines 39 through 45.
$
473.00
Subpart B: Additional Living Expense Deductions
Note: Do not include any expenses that you have listed in Lines 24-37
Health Insurance, Disability Insurance, and Health Savings Account Expenses. List the monthly expenses in
the categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or your
dependents.
39
a.
Health Insurance
$
23.00
b.
Disability Insurance
$
0.00
c.
Health Savings Account
$
0.00
Total and enter on Line 39
If you do not actually expend this total amount, state your actual total average monthly expenditures in the space
below:
$
40
41
42
43
44
45
46
Continued contributions to the care of household or family members. Enter the total average actual monthly
expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically
ill, or disabled member of your household or member of your immediate family who is unable to pay for such
expenses. Do not include payments listed in Line 34.
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Subpart C: Deductions for Debt Payment
47
Future payments on secured claims. For each of your debts that is secured by an interest in property that you
own, list the name of creditor, identify the property securing the debt, state the Average Monthly Payment, and
check whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all amounts
scheduled as contractually due to each Secured Creditor in the 60 months following the filing of the bankruptcy
case, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the Average Monthly
Payments on Line 47.
Name of Creditor
Property Securing the Debt
Average
Does payment
Monthly
include taxes
Payment
or insurance
HOMESTEAD:
Location: 1941 Walter Raleigh,
yes no
70.81
a. Bexar County
$
San Antonio TX 78239
b. Gm Financial
2010 GMC Yukon 38,000 miles
$
469.32
yes
no
c. Ocwen Loan Servicing
HOMESTEAD:
Location: 1941 Walter Raleigh,
San Antonio TX 78239
$
936.00
yes
no
$
514.60
yes
no
$
469.28
yes
no
16.67
yes
no
Randolph Brook Federal
2005 Chevy Corvette
d. Credit Union
2008 Ford F350 Super Duty
106,200 miles - to pull horse
Randolph Brook Federal trailer - horses are for
e. Credit Union
medical/therapeutic reasons.
HOMESTEAD:
Location: 1941 Walter Raleigh,
f. Winn Brook Estates
San Antonio TX 78239
$
$
2,476.68
Other payments on secured claims. If any of debts listed in Line 47 are secured by your primary residence, a
motor vehicle, or other property necessary for your support or the support of your dependents, you may include in
your deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to the
payments listed in Line 47, in order to maintain possession of the property. The cure amount would include any
sums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts in
the following chart. If necessary, list additional entries on a separate page.
Name of Creditor
Property Securing the Debt
1/60th of the Cure Amount
$
a. -NONETotal: Add Lines
$
0.00
Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such as
priority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy filing. Do
not include current obligations, such as those set out in Line 33.
$
161.67
$
225.80
$
2,864.15
$
5,856.75
$
10,089.58
Total: Add Lines
48
49
Chapter 13 administrative expenses. Multiply the amount in Line a by the amount in Line b, and enter the
resulting administrative expense.
50
a.
b.
c.
51
Projected average monthly Chapter 13 plan payment.
Current multiplier for your district as determined under schedules
issued by the Executive Office for United States Trustees. (This
information is available at www.usdoj.gov/ust/ or from the clerk of
the bankruptcy court.)
Average monthly administrative expense of chapter 13 case
$
2,258.00
10.00
x
Total: Multiply Lines a and b
Total Deductions for Debt Payment. Enter the total of Lines 47 through 50.
Subpart D: Total Deductions from Income
52
Total of all deductions from income. Enter the total of Lines 38, 46, and 51.
Part V. DETERMINATION OF DISPOSABLE INCOME UNDER § 1325(b)(2)
53
Total current monthly income. Enter the amount from Line 20.
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B 22C (Official Form 22C) (Chapter 13) (04/13)
54
55
56
Support income. Enter the monthly average of any child support payments, foster care payments, or disability
payments for a dependent child, reported in Part I, that you received in accordance with applicable nonbankruptcy
law, to the extent reasonably necessary to be expended for such child.
$
0.00
Qualified retirement deductions. Enter the monthly total of (a) all amounts withheld by your employer from
wages as contributions for qualified retirement plans, as specified in § 541(b)(7) and (b) all required repayments of
loans from retirement plans, as specified in § 362(b)(19).
$
0.00
Total of all deductions allowed under § 707(b)(2). Enter the amount from Line 52.
$
5,856.75
$
0.00
Total adjustments to determine disposable income. Add the amounts on Lines 54, 55, 56, and 57 and enter the
result.
$
5,856.75
Monthly Disposable Income Under § 1325(b)(2). Subtract Line 58 from Line 53 and enter the result.
$
4,232.83
Deduction for special circumstances. If there are special circumstances that justify additional expenses for which
there is no reasonable alternative, describe the special circumstances and the resulting expenses in lines a-c below.
If necessary, list additional entries on a separate page. Total the expenses and enter the total in Line 57. You must
provide your case trustee with documentation of these expenses and you must provide a detailed explanation
of the special circumstances that make such expense necessary and reasonable.
57
Nature of special circumstances
Amount of Expense
$
$
$
Total: Add Lines
a.
b.
c.
58
59
Part VI. ADDITIONAL EXPENSE CLAIMS
Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfare
of you and your family and that you contend should be an additional deduction from your current monthly income under §
707(b)(2)(A)(ii)(I). If necessary, list additional sources on a separate page. All figures should reflect your average monthly expense for
each item. Total the expenses.
Expense Description
60
Monthly Amount
a.
b.
c.
d.
Total: Add Lines a, b, c and d
$
$
$
$
$
Part VII. VERIFICATION
61
I declare under penalty of perjury that the information provided in this statement is true and correct. (If this is a joint case, both debtors
must sign.)
Date: February 20, 2014
Signature: /s/ Ronald Williams Armes
Ronald Williams Armes
(Debtor)
Date:
February 20, 2014
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Signature
/s/ Justina Armes
Justina Armes
(Joint Debtor, if any)
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Current Monthly Income Details for the Debtor
Debtor Income Details:
Income for the Period 08/01/2013 to 01/31/2014.
Line 6 - Pension and retirement income
Source of Income: Retirement Income
Constant income of $1,808.29 per month.
Line 9 - Income from all other sources
Source of Income: VA Income
Constant income of $3,088.00 per month.
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B 22C (Official Form 22C) (Chapter 13) (04/13)
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Current Monthly Income Details for the Debtor's Spouse
Spouse Income Details:
Income for the Period 08/01/2013 to 01/31/2014.
Line 2 - Gross wages, salary, tips, bonuses, overtime, commissions
Source of Income: Social Security
Constant income of $1,146.00 per month.
Line 9 - Income from all other sources
Source of Income: Caregiver Income
Constant income of $1,010.29 per month.
Line 9 - Income from all other sources
Source of Income: VA Income
Constant income of $3,037.00 per month.
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