Professional Documents
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Navari File
Navari File
Notes:
II)Number:
Full Name :
Address:
DOB:
Race:
SU80000000g21
RJCHARD JOSEPH NAVARI
rr
262FOREST LAKE DR MADISON MS 39110-OOOO
Age Heighf 600
&
HO fMAGEAYAII.,ABIE
OF'FENSES
Descrption: CONTEMpT OF COURT
charge Category: MISD Sen BeginDate: 1/l/0001 sen EndDa tez llll000l
Arresting Agency:
VICTIM NOTIF'ICATIONS
fn""- f\avor_^ )*:ct_z_-,
Bondsman:
BOND PAYMENTS
Bond Type:
loR
Q@,
4,rs=
Bond Amount: 500.00 Amount paid:
DETAINERS
1Ul9nHg 1:37:38 pM
CITATION SUMMONS cE- 0232
State of Mississippi ca'f-nuuarn4cltl/045f{
County of Madison DOCKFT NUMBER
City of Madison
IN THE COURT DESIGNATED BELOW, THE AFFIANT HEREIN, BEING
DUtY AT THT
FOLI.OWNG LOCATION, TIME AND DATT:
Defendant's Address
Defendant's DOB
Location of Offense
City State
Date of Offense of Offense
,rlyrylthe undersigned officer, who upon his oath stares that the defendant
WTata+-
on ot about the / 7 day of
' 204. within said jurisdiction, did willfully and unlawfully commit the offense marked
below in violation of the section of the city ofMadison code of Ordinances
as stated:
(All sections cited below r€fer to th€ lnte.nationrl Property ilaintenance code a5 adoFted by the city of Madison unless otherwlse noted.l
n
LJ Sfructure Unsrfe or Unlit for Human Habitatio4 ! MotorVehicjes Traitersand OtherRecea0onalVehlcles
Use or ocflpation (Sedions 109,3061 {Section302.8}
LJ Unsanilery/Unsighrly Corditioos (section 302.1, I Overgrgwn 66ss, w€€ds, other Vegetation (secri6n 30t.4)
T-'l
lJ Stagnant water {S€ction 302.2) [ premises tdentification
iSecrioi j04.31
n tawn end Garden Equipm€rt (section 302.1) [ Acomulation of Rubbish 0r Garbege (Section 308]
M*
&ceedingoccupan(ylse*ion 404)
IUDGVCIfRK
Madison, MS 39il10
MISDEMEANOR
STATE OFMISSIS$PPI
CITYOFMADISON
MADISON MTINICIPAL COLIRT
Warrant: 0018228 Docket Nwnber: 20193630
To arryla\ ftIofficer:
2,2.-4.*
SON MUNICTPAL COTIK]] JUME
4'\-t',, tl SQdz,,-,.,
NarneofOfficer Serving Warrant, %
After diligent search and inquiry the within named inclividual cor.rlcl not be fbLurd-
This the _ Day of
Sigrature:
Other Dispositions
Comments:
w
1=
NO IMAGE NO IMAGE
Phone Number: ,AVAILABLE A.VAIL,ASLE
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tSA Description Gourt Date Bond Amount Arresting Agency Arrrest Date
Court ls Bond Denied? Fine Amount
1-23-7 CONTEMPT OF COURT
MMC 111512019 4:30 PM 500.00 111512019
NO
NAME
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Home / Our Team / Edward T. polk
Edward T. Polk
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Email: Edward T. Polk >
A life-long resident of the tri-county area, Taylor has a diverse
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Prior to joining Heilman Law Group, Taytor served judicial law clerk to the Honorable George
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c. carlson, Jr.,
of the Mississippisupreme Court.
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Page:
IN THE MIINICJ"AL COIIRT AE THE CTIY AE MADISON. MTSSIS $PPI
DEFEfrfDAf.,{T'S ACKNOWL
I, RICHARDIOSEPH NAVARI
::i,El **rr
DOCTGTNO. 20193630
-
DAYTIME PHONE DEFENDANT
MTINICIPAL COURTIUDGE
/ CLERK
DEFENDANT
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Page:
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DOCKEI NUMBER
Detendan{s Address
Defendant s DoB
Location of 0ffense
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n
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tnd other Recreatlonal
otherveseta$on
vehlcles
(sedion3.2 4)
n over'rown Grass'weeds'
n uf,santary/UnsishtlYconditions[section302'11 : 'i:
(seitigrmeO
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(seciion 302'2) I
il sbgnant weter
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'ffi:[lHil'j'fi1'l;]'fi{il'n,'no''o*'0"""0'
NUMBERI 601.707-1412
COURTTELEPTIONE
MAITING AODRESS:
Bor 2489
P,O.
Madison, MS 39130
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'
TO:
PROPERTY
DArE:- p-/71f
Madison the City has adopted the lnternational Property Maintenance Code to preserve
property values and to help maintain safe and attractive neighborhoods. We need your
cooperation.
Upon inspecting your property, code officials have found the following violations:
On September 17 ,2019, Ethridge sent Richard and Pamela Navari, the property owners of 262
Forest Lake Drive, a letter stating there in violation of the Cfty of Madison Zoning Ordinance. The
following conective actions afle required to get in compliance; your property is not zoned for
camper frailer lMng, please move to a proper facility. Ethridge gave the Navaris' until October lst to
get in compliance. this leter has been placed in the case file.
On October 17,2019, lspoke with Kianca Stringfellow (City of Madison Zoning Office) who advised
that the Navaris are in yiolation of the zoning ordinance. I then net Richard Joseph Navari
identified by MSOLNf;qFurtro stated their house bumed due to an electrical box explosion
and that is why they were living in a camper parked in their driveway. Navari also stated that he had
a temporary power pole put up in the front of the lot that is powering the camper, along with the
camper septic system being tied into a sewer cut in at the back of his property nextto the AC units.
Navari then stated that the camper restroom is used as an emergency. Pictures of the camper
were taken from the road of it being parked in the driveway and have been placed in the case file. I
advised Navari that it was in violation of the City of Madison Zoning Ordinance and issued him one
citation# CE-0232. Navari's court date was set for November the 5th at 1:30 PM. Navari signed the
bottom of the citation saying that he would be in court on the above stated date and time.
End of Report
M. Grcene #U7
Case 09-10099-SSM Doc 37 Filed 04/13/09 Entered 04/13/09 15:55:56 Desc Main
Document Page 1 of 5
In re: )
) Case No. 09-10099-SSM
PAMELA ANN NAVARI, )
) Chapter 7
Debtor. )
)
)
DEWI R. HELMICK, )
)
Plaintiff )
)
v. ) Adversary No.
)
PAMELA ANN NAVARI, )
)
Defendant. )
)
Plaintiff Dewi Helmick, by her undersigned counsel brings this proceeding against
Defendant Pamela Ann Navari, debtor herein, to determine the dischargeability of a debt that
Debtor owes Plaintiff and for her complaint in this proceeding alleges as follows:
1. This Court has jurisdiction over this proceeding under 28 U.S.C. § 157(b) and 28
2. The bankruptcy case in which this proceeding arises is that of Pamela Ann
Navari and Richard Joseph Navari, against whom an order for relief was entered under Chapter 7
of the Bankruptcy Code on January 7, 2009 in Case No. 09-10099-SSM in this Court.
3. Plaintiff Dewi Helmick is the wife of the late Charles C. Helmick, Jr., who died
4. At the time of his death, Charles C. Helmick, Jr. was a resident of Randolph
County, West Virginia, where his real and personal property were located.
administratrix of the estate of Charles C. Helmick, Jr. by the Clerk of the Randolph County
Commission, and in such capacity she has the ability to withdraw funds from the bank account of
the estate.
7. In the period since May 9, 2007, Debtor has (as shown on the Schedule F that she
filed in this case) withdrawn $150,000 from the bank account for the estate of Charles C.
8. Under the intestacy laws of West Virginia, Plaintiff is entitled to receive half of
9. Plaintiff has been added to the matrix of creditors for this case by Debtor, and is a
creditor of Debtor for the funds that Debtor appropriated from the estate of Charles C. Helmick,
-2-
Case 09-10099-SSM Doc 37 Filed 04/13/09 Entered 04/13/09 15:55:56 Desc Main
Document Page 3 of 5
COUNT I
Defalcation as a Fiduciary
Hemick, has appropriated $150,000 of funds of the estate by withdrawing the same from the
12. Debtor is unable to account for the funds that she has appropriated from the
estate.
13. Debtor owes Plaintiff a debt of $150,000, and the same is nondischargeable under
COUNT II
Embezzlement
15. Debtor’s appropriation of the funds of the estate of Charles C. Helmick, Jr. was
for her personal benefit and depleted those funds from the estate and therefore deprived Plaintiff
of those funds.
16. In appropriating the funds of the estate of Charles C. Helmick, Jr. for her personal
benefit, Debtor acted with the intent to convert those funds for her benefit and without disclosing
17. Debtor has refused to provide information to Plaintiff concerning the funds that
Debtor withdrew from the account of the estate of Charles C. Helmick, Jr.
-3-
Case 09-10099-SSM Doc 37 Filed 04/13/09 Entered 04/13/09 15:55:56 Desc Main
Document Page 4 of 5
COUNT III
Conversion
19. Debtor has caused Plaintiff an injury through the deprivation of funds that
Plaintiff would have received from the estate of Charles C. Helmick, Jr. if Debtor had not
20. In converting the funds of the estate of Charles C. Helmick, Jr., Debtor acted
intentionally, and her action was substantially certain to result in injury to Plaintiff.
21. In the alternative to the allegations of the preceding paragraph 20, Debtor acted
intentionally in converting the funds of the estate of Charles C. Helmick, Jr. and did so with the
22. In converting the funds of the estate of Charles C. Helmick, Jr., Debtor acted
23. Debtor’s conversion of the funds of the estate of Charles C. Helmick, Jr. was
24. Debtor owes Plaintiff a debt of $150,000, and the same is nondischargeable under
-4-
Case 09-10099-SSM Doc 37 Filed 04/13/09 Entered 04/13/09 15:55:56 Desc Main
Document Page 5 of 5
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
B1 (Official Form 1)(1/08)
Document Page 1 of 16
United States Bankruptcy Court
Eastern District of Virginia Voluntary Petition
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Name of Debtor (if individual, enter Last, First, Middle): Name of Joint Debtor (Spouse) (Last, First, Middle):
Navari, Richard Joseph Navari, Pamela Ann
All Other Names used by the Debtor in the last 8 years All Other Names used by the Joint Debtor in the last 8 years
(include married, maiden, and trade names): (include married, maiden, and trade names):
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) No./Complete EIN
(if more than one, state all) (if more than one, state all)
xxx-xx-7782 xxx-xx-1388
Street Address of Debtor (No. and Street, City, and State): Street Address of Joint Debtor (No. and Street, City, and State):
15110 Riding Club Dr. 15110 Riding Club Dr.
Haymarket, VA Haymarket, VA
ZIP Code ZIP Code
20169 20169
County of Residence or of the Principal Place of Business: County of Residence or of the Principal Place of Business:
Prince William Prince William
Mailing Address of Debtor (if different from street address): Mailing Address of Joint Debtor (if different from street address):
Filing Fee (Check one box) Check one box: Chapter 11 Debtors
Full Filing Fee attached 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).
Filing Fee to be paid in installments (applicable to individuals only). Must Check if:
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. Debtor’s aggregate noncontingent liquidated debts (excluding debts owed
to insiders or affiliates) are less than $2,190,000.
Filing Fee waiver requested (applicable to chapter 7 individuals only). Must Check all applicable boxes:
attach signed application for the court's consideration. See Official Form 3B. A plan is being filed with this petition.
Acceptances of the plan were solicited prepetition from one or more
classes of creditors, in accordance with 11 U.S.C. § 1126(b).
Statistical/Administrative Information THIS SPACE IS FOR COURT USE ONLY
Debtor estimates that funds will be available for distribution to unsecured creditors.
Debtor estimates that, after any exempt property is excluded and administrative expenses paid,
there will be no funds available for distribution to unsecured creditors.
Estimated Number of Creditors
$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than
$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion
million million million million million
Estimated Liabilities
$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than
$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion
million million million million million
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
B1 (Official Form 1)(1/08)
Document Page 2 of 16 Page 2
Name of Debtor(s):
Voluntary Petition Navari, Richard Joseph
(This page must be completed and filed in every case) Navari, Pamela Ann
All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet)
Location Case Number: Date Filed:
Where Filed: - None -
Location Case Number: Date Filed:
Where Filed:
Pending Bankruptcy Case Filed by any Spouse, Partner, or Affiliate of this Debtor (If more than one, attach additional sheet)
Name of Debtor: Case Number: Date Filed:
- None -
District: Relationship: Judge:
Exhibit A Exhibit B
(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., I, the attorney for the petitioner named in the foregoing petition, declare that I
forms 10K and 10Q) with the Securities and Exchange Commission have informed the petitioner that [he or she] may proceed under chapter 7, 11,
pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 12, or 13 of title 11, United States Code, and have explained the relief available
and is requesting relief under chapter 11.) under each such chapter. I further certify that I delivered to the debtor the notice
required by 11 U.S.C. §342(b).
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.
(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 in this petition the deposit with the court of any rent that would become due during the 30-day period
after the filing of the petition.
Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
B1 (Official Form 1)(1/08)
Document Page 3 of 16 Page 3
Name of Debtor(s):
Voluntary Petition Navari, Richard Joseph
(This page must be completed and filed in every case) Navari, Pamela Ann
Signatures
Signature(s) of Debtor(s) (Individual/Joint) Signature of a Foreign Representative
I declare under penalty of perjury that the information provided in this I declare under penalty of perjury that the information provided in this petition
petition is true and correct. is true and correct, that I am the foreign representative of a debtor in a foreign
[If petitioner is an individual whose debts are primarily consumer debts and proceeding, and that I am authorized to file this petition.
has chosen to file under chapter 7] I am aware that I may proceed under
(Check only one box.)
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. I request relief in accordance with chapter 15 of title 11. United States Code.
[If no attorney represents me and no bankruptcy petition preparer signs the Certified copies of the documents required by 11 U.S.C. §1515 are attached.
petition] I have obtained and read the notice required by 11 U.S.C. §342(b).
Pursuant to 11 U.S.C. §1511, I request relief in accordance with the chapter
I request relief in accordance with the chapter of title 11, United States Code, of title 11 specified in this petition. A certified copy of the order granting
specified in this petition. recognition of the foreign main proceeding is attached.
X
Signature of Authorized Individual
If more than one person prepared this document, attach additional sheets
conforming to the appropriate official form for each person.
Printed Name of Authorized Individual
A bankruptcy petition preparer’s failure to comply with the provisions of
title 11 and the Federal Rules of Bankruptcy Procedure may result in
Title of Authorized Individual fines or imprisonment or both 11 U.S.C. §110; 18 U.S.C. §156.
Date
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
Document Page 4 of 16
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 15 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 five 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) 1996-2008 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
Document Page 5 of 16
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.
Software Copyright (c) 1996-2008 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
Document Page 6 of 16
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 15 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 five 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) 1996-2008 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 7 of 16
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.
Software Copyright (c) 1996-2008 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 8 of 16
B 201 (12/08)
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.
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, $39 administrative fee, $15 trustee surcharge: Total Fee $299)
1. 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,
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.
2. 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.
3. 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.
4. 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,
$39 administrative fee: Total fee $274)
1. Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments
Software Copyright (c) 1996-2008 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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B 201 (12/08) Page 2
over 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.
2. 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.
3. 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 ($1000 filing fee, $39 administrative fee: Total fee $1039)
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, $39 administrative fee: Total fee $239)
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.
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.
Certificate of Attorney
I hereby certify that I delivered to the debtor this notice required by § 342(b) of the Bankruptcy Code.
Steven B. Ramsdell, VA Bar #33222 X /s/ Steven B. Ramsdell, VA Bar January 7, 2009
Printed Name of Attorney Signature of Attorney Date
Address:
700 S. Washington St.
Suite 216
Alexandria, VA 22314
(703) 549-5000
Certificate of Debtor
I (We), the debtor(s), affirm that I (we) have received and read this notice.
Richard Joseph Navari
Pamela Ann Navari X /s/ Richard Joseph Navari January 7, 2009
Printed Name(s) of Debtor(s) Signature of Debtor Date
Case No. (if known) X /s/ Pamela Ann Navari January 7, 2009
Signature of Joint Debtor (if any) Date
Software Copyright (c) 1996-2008 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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The debtor's domicile, residence, principal place of business or principal assets were located for the greater part of the 180 days
preceding the filing of the bankruptcy petition in the indicated city or county [check one box only]:
Ver. 8/22/00
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
Document Page 11 of 16
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Bank of America
P.O. Box 15026
Wilmington, DE 19850-5026
Bank of America
P.O. Box 15027
Wilmington, DE 19850-5027
Citi Cards
P.O. Box 6500
Sioux Falls, SD 57117
Courtesy Electric
c/o Jose Carrasquillo
8491 Stonewall Rd.
Manassas, VA 20110
David Colletto
2817 Jermantown Rd.
Oakton, VA 22124
Discover Card
P.O. Box 30943
Salt Lake City, UT 84130
Exxon Mobil
P.O. Box 688940
Des Moines, IA 50368-8940
First USA
P.O. Box 15548
Wilmington, DE 19886-5548
GE Money Bank
P.O. Box 981438
El Paso, TX 79998-1438
Case 09-10099-SSM Doc 1 Filed 01/07/09 Entered 01/07/09 14:10:16 Desc Main
Document Page 13 of 16
GMAC
P.O. Box 380901
Minneapolis, MN 55438-0901
Homecomings Financial
Customer Service
P.O. Box 205
Waterloo, IA 50704
JC Penney
P.O. Box 981131
El Paso, TX 79998
Macro Lease
One West Ames Ct., Suite 101
Plainview, NY 11803
Macy's
P.O. Box 183083
Columbus, OH 43218-3083
National City
P.O. Box 856153
Louisville, KY 40285
Nordstrom
P.O. Box 13589
Scottsdale, AZ 85267
PNC Bank
Attn: Robert Patterson, VP
1824 George Ave.
Annapolis, MD 21401
PNC Bank
P.O. Box 747032
Pittsburgh, PA 15274-7032
Saxon-Clark
995 SR 434 N. Suite 509
Altamonte Springs, FL 32714
Sears
P.O. Box 6282
Sioux Falls, SD 57117-6282
Thornburg Mortgage
425 Phillips Blvd.
Ewing, NJ 08618
Vector Security
9800 Patuxent Woods Dr.
Suite B
Columbia, MD 21046
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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.
H - Codebtors Yes 3
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 2 of 53
Form 6 - Statistical Summary (12/07)
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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.
TOTAL
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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B6A (Official Form 6A) (12/07)
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Single family residence located at 15110 Riding Club Joint J 2,000,000.00 2,415,372.23
Dr.; Haymarket, VA 20169
Rental property located at 14849 Cox Creek Ct.; Joint J 525,000.00 920,000.00
Haymarket, VA 20169
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4. Household goods and furnishings, Kitchen: Wine Cabinet ($350); 1 TV ($15); 1 Painting J 878.00
including audio, video, and ($10); Pots, Pans, Baking Sheets, Baking Dishes,
computer equipment. cooking utensils ($15); Plates, Cups, Silverware ($25);
Storage plastic, serving dishes, tea pot, pot holders,
spice holders, pineapple collection ($20); Crock Pots,
toaster, toaster oven, can opener, towel holder,
cookbook holder ($25); Cutting board/knives,measure
cups/measure spoons ($10); Storage Containers ($8);
Cookbooks ($10); 1 clock ($2); 1 phone ($10); 1
message board ($5); 1 shelf ($5); Window treatment
($15); Family Room: Entertainment Center ($100);
Ottomon/coffee table ($30); 1 TV ($100); 1 VCR ($15);
Speakers & Receiver ($100); 1 Clock ($7); 1 lamp
($10); DVD ($10); 3 Window Treatments ($45); 1 chair
($35); air cleaner ($10); books/picture
frames/bookends/knick knacks ($50); Powder Room:
Toilet Paper/magazine holder ($10); Hallway:
Bench/coat rack ($20); Chalk board/pin board ($10);
Closet: Shoe organizer ($4); Shoes ($5); Carpet
cleaner ($10); Pantry: Food; cleaning products; Broom
($2); Swiffer mop ($2); Swiffer vac ($8); Living Room: 1
hall table ($50); Window Treatment ($25); 1 lamp ($10)
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
Case 09-10099-SSM Doc 23 Filed 02/06/09 Entered 02/06/09 12:26:28 Desc Main
Document Page 5 of 53
B6B (Official Form 6B) (12/07) - Cont.
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 6 of 53
B6B (Official Form 6B) (12/07) - Cont.
5. Books, pictures and other art Family photos and personal pictures J 1.00
objects, antiques, stamp, coin,
record, tape, compact disc, and
other collections or collectibles.
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 7 of 53
B6B (Official Form 6B) (12/07) - Cont.
7. Furs and jewelry. 1 jewelry box and contents ($30); mother's ring and W 365.00
necklace ($175); 1 pandora bracelet w/ charms ($50);
Watch ($25); silver/gold earings ($50); Diamond stud
earrings ($35)
8. Firearms and sports, photographic, 2 sets skiis ($50); Ski Boots and bags ($40); Total J 360.00
and other hobby equipment. Fitness ($25); Universal Gym ($75); 1 Ab ($25); 1
workout bench ($25); Weights ($45); Pool
Supplies/Pool Toys ($10); 1 Ladies bike ($50);
Rollerblades ($15)
12. Interests in IRA, ERISA, Keogh, or IRA acct. with Janus H 600.00
other pension or profit sharing
plans. Give particulars.
13. Stock and interests in incorporated Membership interest in Del Sol Tanning, LLC H 1.00
and unincorporated businesses.
Itemize. Membership interest in 11180 Main Street LLC H 1.00
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 8 of 53
B6B (Official Form 6B) (12/07) - Cont.
18. Other liquidated debts owed to debtor Judgment ($15,000) against former tenants for unpaid J Unknown
including tax refunds. Give particulars. rent
21. Other contingent and unliquidated Cause of action against builder Spectrum Homes, Inc. J Unknown
claims of every nature, including
tax refunds, counterclaims of the Claim against former tenants for property damages J Unknown
debtor, and rights to setoff claims.
Give estimated value of each. Claim against Richmond Group, Inc. for failure to pay J Unknown
its subcontractors in connection with pool construction
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
Case 09-10099-SSM Doc 23 Filed 02/06/09 Entered 02/06/09 12:26:28 Desc Main
Document Page 9 of 53
B6B (Official Form 6B) (12/07) - Cont.
28. Office equipment, furnishings, and Business computer, printer, and supplies W 1,000.00
supplies.
30. Inventory. X
E
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Rental property located at 14849 Cox Creek Ct.; VA Code §§ 34-4 & -6 1.00 525,000.00
Haymarket, VA 20169
Cash on Hand
Cash on hand VA Code §§ 34-4, -13 & -14 73.84 73.84
Money market acct. VA Code §§ 34-4, -13 & -14 500.00 500.00
Dining Room: 1 table w/ 8 chairs ($300); Hutch VA Code § 34-26(4a) 1,665.00 1,665.00
($175); 1 Server ($120); Plates, cups ($35); knick
knacks ($20); Butler Pantry: Glasses ($20); mirror
($45); Bar: Glasses ($10); Music Room: 1 Piano
upright ($200); 2 sconces ($50); Window
Treatment ($15); 2 floor plates ($10); Foyer: 2
Sconce ($50); Window Treatments ($65); 2 floor
plates ($10); Powder Room: 1 floor plate ( $5);
Window treatment ($15); Toilet paper holder ($5);
Plant stand ($5); Tissue holder, soap ($10); 3 Hall
closets: 1 vacuum ($15); Picture frames ($15);
Office: 1 bookshelf ($75); 1 file cabinet ($50); 1
end table ($20); 1 storagebasket trunk ($10);
Window Treatments ($75); 1 lamp ($30); Office
Closet: 1 frozen/broken computer ($10); 1 plastic
storage bin ($5); Office supplies/kids supplies
($15); junk ($10); Laundry: Washer/Dryer ($150); 1
Iron ($5); 1 Steamer ($15)
Saxon furniture: Kitchen: 1 table w/ 8 chairs; 3 bar VA Code § 34-26(4a) 4,085.00 4,085.00
stools; corner book case; painting; 2 urns; 2 floral
arrangements; 2 pictures; greenery; picture frame;
floor greenery ($400); Family room: 1 couch; table;
lamp, mirror, book case; shadow box picture
($545); Living Room: 1 sofa; 2 chairs; clock; 2
chairs; 1 round tea table; painting; coffee table; 3
candles; floral; wood box; 2 torchiers floor lamps; 3
candle holders; rug ($840); Dining Room: chairs;
carpet; painting; mirror; 2 lamps; floral; palm tree;
greenery; rug ($480); Music Room: 2 chairs; box;
mirrors; console table; 2 table lamps; small
greenery; table; rug; fern ($385); Master Bedroom:
2 chests; bench; armoire; king bed; cocktail table;
end table; king mattress & box spring; floor mirror;
table torchere; lamp; 2 table lamps; 3 candles; 3
candle holders; 2 buffet lamps; small greenery; 2
jars; green; box; phone; floral; bamboo tree; bed
steps ($840); Foyer: 2 benches; center table;
floral; 2 statues with fern; 2 pictures; mirror; 2
topiaries; 1 painting ($345); Office: desk; desk
chair; 2 pictures; chair; greenery; table lamp;
ottoman ($250)
Wearing Apparel
Miscellaneous men's clothing, including suits, VA Code § 34-26(4) 68.00 68.00
shirts, pants, shoes, socks, undergarments, coats,
sweaters, ties, belts, hats, hat organizer, clothes
stand, and accessories
2 gold wedding bands and 1 diamond engagement VA Code § 34-26(1a) 100% 150.00
ring
1 men's jewelry box and contents ($15); 2 Watches VA Code § 34-26(4); VA Code §§ 34-4, 65.00 65.00
($50) -13 & -14
Canon Mini Digital Video Camcorder ($75); Nikon VA Code § 34-26(4a); VA Code §§ 225.00 225.00
D50 Camera w/ Nikon 55-200 mm lens ($150) 34-4, -13 & -14
Membership interest in 11180 Main Street LLC VA Code §§ 34-4, -13 & -14 1.00 1.00
Membership interest in Del Sol Tanning Vienna, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Membership interest in Del Sol Tanning Braemar, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Membership interest in Del Sol Tanning Fairfax, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Membership interest in Manassas World Gym, LLC VA Code §§ 34-4, -13 & -14 1.00 1.00
Membership interest in World Gym Gainesville, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Unknown potential federal and state tax refunds VA Code §§ 34-4, -13 & 14 1.00 Unknown
Unpaid loans due from the various LLC entities VA Code §§ 34-4, -13 & -14 1.00 Unknown
Claim against former tenants for property damages VA Code §§ 34-4, -13 & -14 1.00 Unknown
Claim against Richmond Group, Inc. for failure to VA Code §§ 34-4, -13 & -14 1.00 Unknown
pay its subcontractors in connection with pool
construction
3 ATVs ($1,500) (legally titled in Husband's name VA Code § 34-26(8); VA Code §§ 34-4, 1.00 1.00
but beneficially owned by the Debtors' children) -13 & -14
Animals
3 dogs, 1 cat, and chickens VA Code § 34-26(5) 100% 25.00
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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.
C Husband, Wife, Joint, or Community C U D AMOUNT OF
CREDITOR'S NAME O O N I
D H DATE CLAIM WAS INCURRED, N L S CLAIM
AND MAILING ADDRESS E T I P WITHOUT UNSECURED
INCLUDING ZIP CODE, B W NATURE OF LIEN, AND I Q U PORTION, IF
T J DESCRIPTION AND VALUE N U T
DEDUCTING
AND ACCOUNT NUMBER O G I E VALUE OF ANY
(See instructions above.)
C OF PROPERTY
R
SUBJECT TO LIEN
E D D COLLATERAL
N A
T T
Account No. xxxxxxxxxxxx6920 Security interest E
D
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
Case 09-10099-SSM Doc 23 Filed 02/06/09 Entered 02/06/09 12:26:28 Desc Main
Document Page 16 of 53
B6D (Official Form 6D) (12/07) - Cont.
Value $
1
Sheet _____ 1
of _____ continuation sheets attached to Subtotal
2,450,372.23 446,287.23
Schedule of Creditors Holding Secured Claims (Total of this page)
Total 3,420,884.22 849,541.25
(Report on Summary of Schedules)
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
Case 09-10099-SSM Doc 23 Filed 02/06/09 Entered 02/06/09 12:26:28 Desc Main
Document Page 17 of 53
B6E (Official Form 6E) (12/07)
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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).
Deposits by individuals
Claims of individuals up to $2,425* 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).
* Amounts are subject to adjustment on April 1, 2010, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
0 continuation sheets attached
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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B6F (Official Form 6F) (12/07)
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Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.
132,572.74
Account No. xxxxxx4544 BMW obligation
4,166.71
Account No.
25,858.29
Subtotal
8
_____ continuation sheets attached 164,097.74
(Total of this page)
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 S/N:10952-090123 Best Case Bankruptcy
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Document Page 19 of 53
B6F (Official Form 6F) (12/07) - Cont.
Unknown
Account No. Guaranty of commercial lease obligation
37,180.36
Account No. xxxx-xxxx-xxxx-2727
Citi Cards
P.O. Box 6500 -
Sioux Falls, SD 57117
15,537.83
1
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
415,796.40
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
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Document Page 20 of 53
B6F (Official Form 6F) (12/07) - Cont.
Courtesy Electric
c/o Jose Carrasquillo X J X
8491 Stonewall Rd.
Manassas, VA 20110
Unknown
Account No.
David Colletto
2817 Jermantown Rd. X -
Oakton, VA 22124
220,000.00
Account No. 7570
Discover Card
P.O. Box 30943 -
Salt Lake City, UT 84130
8,421.33
Account No. Pool construction subcontractor, not paid by
contractor
Donnelly Concrete, Inc.
92 Le Way Dr. X J X
Fredericksburg, VA 22406
18,000.00
Account No.
92.40
2
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
246,513.73
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 21 of 53
B6F (Official Form 6F) (12/07) - Cont.
Exxon Mobil
P.O. Box 688940 -
Des Moines, IA 50368-8940
1,818.68
Account No. 2727
First USA
P.O. Box 15548 -
Wilmington, DE 19886-5548
2,981.34
Account No. xxxxxxx9088 Guaranty of office equipment lease
GE Capital
P.O. Box 3083 X H X
Cedar Rapids, IA 52406-3083
32,176.98
Account No. xxxxxxxxxxxx7337
GE Money Bank
P.O. Box 981438 -
El Paso, TX 79998-1438
16,800.00
3
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
203,777.00
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
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B6F (Official Form 6F) (12/07) - Cont.
Unknown
Account No. xxxxxx9599
JC Penney
P.O. Box 981131 -
El Paso, TX 79998
247.70
Account No. Claim against World Gym Gainesville, LLC,
personally guaranteed
Macro Lease
One West Ames Ct., Suite 101 X J X
Plainview, NY 11803
635,000.00
4
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
695,428.14
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
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B6F (Official Form 6F) (12/07) - Cont.
Macy's
P.O. Box 183083 -
Columbus, OH 43218-3083
765.10
Account No. xxx4939
Midwest Center
112 N. Church St. -
Oak Harbor, OH 43449
194.94
Account No. Claim against World Gym Gainesville LLC,
personally guaranteed
National City Health
Care Finance X J X
995 Dalton Ave.
Cincinnati, OH 45203
63,000.00
Account No. xxxx-xxxxxx-x1000 American Express obligation
Nordstrom
P.O. Box 13589 -
Scottsdale, AZ 85267
342.65
5
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
86,199.92
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
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B6F (Official Form 6F) (12/07) - Cont.
38,471.22
Account No. Pool construction subcontractor, not paid by
contractor
Pool Cover Services, Inc.
c/o Ron Grimm, Owner X J X
320 Adam Rd.
Frederick, MD 21701
4,264.68
Account No. Guaranty of commercial premises lease
156,000.00
6
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
623,735.90
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
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Document Page 25 of 53
B6F (Official Form 6F) (12/07) - Cont.
Sears
P.O. Box 6282 -
Sioux Falls, SD 57117-6282
4,121.56
Account No. Pending lawsuit by home builder
488.03
Account No. xxxx-xxxx-xxxx-7855 Citicorp Credit Services
7
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
1,540,147.42
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 26 of 53
B6F (Official Form 6F) (12/07) - Cont.
142,849.13
Account No. xxx8292
Vector Security
9800 Patuxent Woods Dr. J
Suite B
Columbia, MD 21046
40.95
Account No. Pool construction subcontractor, not paid by
contractor
Veliz Contractors, Inc.
t/a Stone Solutions X J X
33 McWhirt Loop, Suite 104
Fredericksburg, VA 22406
13,905.75
Account No. Commercial lease obligation
8
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
246,028.26
Creditors Holding Unsecured Nonpriority Claims (Total of this page)
Total
(Report on Summary of Schedules) 4,221,724.51
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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B6G (Official Form 6G) (12/07)
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Mark and Kelly Presgrave Debtors are landlords under a residential lease
14849 Cox Creek Ct. expiring Summer 2009 at the rental rate of
Haymarket, VA 20169 $3,250/mo.
0
continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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B6H (Official Form 6H) (12/07)
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continuation sheets attached to Schedule of Codebtors
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Document Page 29 of 53
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 30 of 53
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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Document Page 31 of 53
B6I (Official Form 6I) (12/07)
7. Regular income from operation of business or profession or farm (Attach detailed statement) $ 0.00 $ 0.00
8. Income from real property $ 1,625.00 $ 1,625.00
9. Interest and dividends $ 0.00 $ 0.00
10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that of
dependents listed above $ 884.00 $ 0.00
11. Social security or government assistance
(Specify): $ 0.00 $ 0.00
$ 0.00 $ 0.00
12. Pension or retirement income $ 0.00 $ 0.00
13. Other monthly income
(Specify): $ 0.00 $ 0.00
$ 0.00 $ 0.00
15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $ 2,509.00 $ 1,925.00
16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $ 4,434.00
(Report also on Summary of Schedules and, if applicable, on
Statistical Summary of Certain Liabilities and Related Data)
17. Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:
Husband hopes to begin receiving salary from his position
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B6J (Official Form 6J) (12/07)
Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of
expenditures labeled "Spouse."
1. Rent or home mortgage payment (include lot rented for mobile home) $ 11,250.00
a. Are real estate taxes included? Yes X No
b. Is property insurance included? Yes X No
2. Utilities: a. Electricity and heating fuel $ 1,400.00
b. Water and sewer $ 0.00
c. Telephone $ 75.00
d. Other See Detailed Expense Attachment $ 235.00
3. Home maintenance (repairs and upkeep) $ 750.00
4. Food $ 600.00
5. Clothing $ 400.00
6. Laundry and dry cleaning $ 0.00
7. Medical and dental expenses $ 250.00
8. Transportation (not including car payments) $ 250.00
9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 400.00
10. Charitable contributions $ 0.00
11. Insurance (not deducted from wages or included in home mortgage payments)
a. Homeowner's or renter's $ 250.00
b. Life $ 0.00
c. Health $ 0.00
d. Auto $ 275.00
e. Other $ 0.00
12. Taxes (not deducted from wages or included in home mortgage payments)
(Specify) $ 0.00
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the
plan)
a. Auto $ 848.00
b. Other See Detailed Expense Attachment $ 7,755.73
14. Alimony, maintenance, and support paid to others $ 0.00
15. Payments for support of additional dependents not living at your home $ 0.00
16. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ 0.00
17. Other See Detailed Expense Attachment $ 900.00
18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and, $ 25,638.73
if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)
19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year
following the filing of this document:
Other Expenditures:
Education expenses for son $ 400.00
SAT prep $ 100.00
Childcare $ 400.00
Total Other Expenditures $ 900.00
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B6 Declaration (Official Form 6 - Declaration). (12/07)
Document Page 34 of 53
United States Bankruptcy Court
Eastern District of Virginia
Richard Joseph Navari
In re Pamela Ann Navari Case No. 09-10099-SSM
Debtor(s) Chapter 7
I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of
33 sheets, and that they are true and correct to the best of my knowledge, information, and belief.
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.
Software Copyright (c) 1996-2009 Best Case Solutions, Inc. - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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B7 (Official Form 7) (12/07)
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 owner of 5 percent or more of the voting or
equity securities of a corporate debtor and their relatives; affiliates of the debtor and insiders of such affiliates; any managing agent of the debtor. 11
U.S.C. § 101.
__________________________________________
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 SOURCE
$600.00 2009 (ytd): Wife's income from indepentent consulting sales with Scentsy
$1,009.26 2008: Wife's income from indepentent consulting sales with Scentsy
$16,617.64 2008: Loan repayments to husband from World Gym Gainesville, LLC ($10,000); and
from Manassas World Gym, LLC ($6,617.64 of which $3,735.01 is interest income)
$55,935.00 2007: Husband's income from employment with hotel
$62,574.90 2007: Loan repayments to husband from World Gym Gainesville, LLC ($22,869.06 of
which $6,315.58 is interest income); and from Manassas World Gym, LLC ($39,705.84
of which $22,903.51 is interest income)
Software Copyright (c) 1996-2009 Best Case Solutions, Inc. - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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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 SOURCE
$16,250.00 2008: Rental income on Cox Creek Ct. property
3. Payments to creditors
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 (*) any payments that were made to a
creditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved
nonprofit budgeting and creditor counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by
either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
None b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days
immediately preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such
transfer is less than $5,475. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on
account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit
budgeting and creditor counseling agency. (Married debtors 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.)
AMOUNT
DATES OF PAID OR
PAYMENTS/ VALUE OF AMOUNT STILL
NAME AND ADDRESS OF CREDITOR TRANSFERS TRANSFERS OWING
None c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of
creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
None 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.)
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None b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
None 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.)
DATE OF REPOSSESSION,
NAME AND ADDRESS OF FORECLOSURE SALE, DESCRIPTION AND VALUE OF
CREDITOR OR SELLER TRANSFER OR RETURN PROPERTY
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.)
DATE OF
NAME AND ADDRESS OF ASSIGNEE ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT
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.)
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.)
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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.)
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.
Tyler, Bartl, Ramsdell & Counts, P.L.C. 1/6/09 $5,500, plus $320 in applicable
700 S. Washington St., Suite 216 filing fees
Alexandria, VA 22314-3349
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.)
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.
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.)
Software Copyright (c) 1996-2009 Best Case Solutions, Inc. - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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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.)
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.)
None List all property owned by another person that the debtor holds or controls.
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.
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
"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
Software Copyright (c) 1996-2009 Best Case Solutions, Inc. - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
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6
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:
None b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous
Material. Indicate the governmental unit to which the notice was sent and the date of the notice.
None c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which
the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the
docket number.
None 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.
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7
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.)
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.
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.
None 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 ADDRESS
None 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.
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.
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8
None b. List the name and address of the person having possession of the records of each of the two inventories reported in a., above.
None a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.
None 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.
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.
None 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.
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.
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.
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.
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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.
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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B8 (Form 8) (12/08)
PART A - Debts secured by property of the estate. (Part A must be fully completed for EACH debt which is secured by
property of the estate. Attach additional pages if necessary.)
Property No. 1
Property No. 2
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Property No. 4
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PART B - Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease.
Attach additional pages if necessary.)
Property No. 1
I declare under penalty of perjury that the above indicates my intention as to any property of my estate securing a debt and/or
personal property subject to an unexpired lease.
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B22A (Official Form 22A) (Chapter 7) (12/08)
a. I was called to active duty after September 11, 2001, for a period of at least 90 days and
I remain on active duty /or/
I was released from active duty on , which is less than 540 days before this bankruptcy case was
filed;
OR
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B22A (Official Form 22A) (Chapter 7) (12/08) 2
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B22A (Official Form 22A) (Chapter 7) (12/08) 3
Total Current Monthly Income for § 707(b)(7). If Column B has been completed, add Line 11,
12 Column A to Line 11, Column B, and enter the total. If Column B has not been completed, enter
the amount from Line 11, Column A. $
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B22A (Official Form 22A) (Chapter 7) (12/08) 4
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 household size (this information is
available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter on Line b the total of the Average
Monthly Payments for any debts secured by your home, as stated in Line 42; subtract Line b from Line a and enter
20B the result in Line 20B. Do not enter an amount less than zero.
a. IRS Housing and Utilities Standards; mortgage/rental expense $
b. Average Monthly Payment for any debts secured by your
home, if any, as stated in Line 42 $
c. Net mortgage/rental expense Subtract Line b from Line a. $
Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 20A and
20B does not accurately compute the allowance to which you are entitled under the IRS Housing and Utilities
21 Standards, enter any additional amount to which you contend you are entitled, and state the basis for your
contention in the space below:
$
Local Standards: transportation; vehicle operation/public transportation expense.
You are entitled to an expense allowance in this category regardless of whether you pay the expenses of operating a
vehicle and regardless of whether you use public transportation.
Check the number of vehicles for which you pay the operating expenses or for which the operating expenses are
included as a contribution to your household expenses in Line 8.
22A
0 1 2 or more.
If you checked 0, enter on Line 22A the "Public Transportation" amount from IRS Local Standards:
Transportation. If you checked 1 or 2 or more, enter on Line 22A the "Operating Costs" amount from IRS Local
Standards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area or
Census Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) $
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
22B you public transportation expenses, enter on Line 22B the "Public Transportation" amount from IRS Local
Standards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy
court.) $
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.
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
23 (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 42; subtract Line b from Line a and enter
the result in Line 23. Do not enter an amount less than zero.
a. IRS Transportation Standards, Ownership Costs $
Average Monthly Payment for any debts secured by Vehicle
b. 1, as stated in Line 42 $
c. Net ownership/lease expense for Vehicle 1 Subtract Line b from Line a. $
Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you checked
the "2 or more" Box in Line 23.
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
(available at 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 42; subtract Line b from Line a and enter
24
the result in Line 24. Do not enter an amount less than zero.
a. IRS Transportation Standards, Ownership Costs $
Average Monthly Payment for any debts secured by Vehicle
b. 2, as stated in Line 42 $
c. Net ownership/lease expense for Vehicle 2 Subtract Line b from Line a. $
Other Necessary Expenses: taxes. Enter the total average monthly expense that you actually incur for all federal,
25 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. $
Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthly payroll
26 deductions that are required for your employment, such as retirement contributions, union dues, and uniform costs.
Do not include discretionary amounts, such as voluntary 401(k) contributions. $
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B22A (Official Form 22A) (Chapter 7) (12/08) 5
Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for term
27 life insurance for yourself. Do not include premiums for insurance on your dependents, for whole life or for
any other form of insurance. $
Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are required to
28 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 44. $
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
29
education that is required for a physically or mentally challenged dependent child for whom no public education
providing similar services is available. $
Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend on
30
childcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments. $
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
31
insurance or paid by a health savings account, and that is in excess of the amount entered in Line 19B. Do not
include payments for health insurance or health savings accounts listed in Line 34. $
Other Necessary Expenses: telecommunication services. 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
32
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. $
33 Total Expenses Allowed under IRS Standards. Enter the total of Lines 19 through 32. $
Subpart B: Additional Living Expense Deductions
Note: Do not include any expenses that you have listed in Lines 19-32
Health Insurance, Disability Insurance, and Health Savings Account Expenses. 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.
34
a. Health Insurance $
b. Disability Insurance $
c. Health Savings Account $ $
Total and enter on Line 34.
If you do not actually expend this total amount, state your actual total average monthly expenditures in the space
below:
$
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
35
ill, or disabled member of your household or member of your immediate family who is unable to pay for such
expenses. $
Protection against family violence. Enter the total average reasonably necessary monthly expenses that you
36 actually incurred to maintain the safety of your family under the Family Violence Prevention and Services Act or
other applicable federal law. The nature of these expenses is required to be kept confidential by the court. $
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
37
trustee with documentation of your actual expenses, and you must demonstrate that the additional amount
claimed is reasonable and necessary. $
Education expenses for dependent children less than 18. Enter the total average monthly expenses that you
actually incur, not to exceed $137.50 per child, for attendance at a private or public elementary or secondary
38 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. $
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B22A (Official Form 22A) (Chapter 7) (12/08) 6
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
39 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. $
Continued charitable contributions. Enter the amount that you will continue to contribute in the form of cash or
40
financial instruments to a charitable organization as defined in 26 U.S.C. § 170(c)(1)-(2). $
41 Total Additional Expense Deductions under § 707(b). Enter the total of Lines 34 through 40 $
Subpart C: Deductions for Debt Payment
Future payments on secured claims. For each of your debts that is secured by an interest in property that you
own, list the name of the creditor, identify the property securing the debt, and state the Average Monthly Payment,
and check whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all
42
amounts scheduled as contractually due to each Secured Creditor in the 60 months following the filing of the
bankruptcy case, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the
Average Monthly Payments on Line 42.
Name of Creditor Property Securing the Debt Average Monthly Does payment
Payment include taxes
or insurance?
a. $ yes no
Total: Add Lines $
Other payments on secured claims. If any of debts listed in Line 42 are secured by your primary residence, a
motor vehicle, or other property necessary for your support or the support of your dependents, you may include in
your deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to the
43
payments listed in Line 42, in order to maintain possession of the property. The cure amount would include any
sums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts in
the following chart. If necessary, list additional entries on a separate page.
Name of Creditor Property Securing the Debt 1/60th of the Cure Amount
a. $
Total: Add Lines $
Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such as
44 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 28. $
Chapter 13 administrative expenses. If you are eligible to file a case under Chapter 13, complete the following
chart, multiply the amount in line a by the amount in line b, and enter the resulting administrative expense.
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B22A (Official Form 22A) (Chapter 7) (12/08) 7
Initial presumption determination. Check the applicable box and proceed as directed.
The amount on Line 51 is less than $6,575. Check the box for "The presumption does not arise" at the top of page 1 of this
statement, and complete the verification in Part VIII. Do not complete the remainder of Part VI.
52
The amount set forth on Line 51 is more than $10,950 Check the box for "The presumption arises" at the top of page 1 of this
statement, and complete the verification in Part VIII. You may also complete Part VII. Do not complete the remainder of Part VI.
The amount on Line 51 is at least $6,575, but not more than $10,950. Complete the remainder of Part VI (Lines 53 through 55).
53 Enter the amount of your total non-priority unsecured debt $
54 Threshold debt payment amount. Multiply the amount in Line 53 by the number 0.25 and enter the result. $
Secondary presumption determination. Check the applicable box and proceed as directed.
The amount on Line 51 is less than the amount on Line 54. Check the box for "The presumption does not arise" at the top of page 1
of this statement, and complete the verification in Part VIII.
55
The amount on Line 51 is equal to or greater than the amount on Line 54. Check the box for "The presumption arises" at the top
of page 1 of this statement, and complete the verification in Part VIII. You may also complete Part VII.
Software Copyright (c) 1996-2009 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy