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Case 6:11-bk-25322-CB

B1 (Official Form 1)(4/10)

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United States Bankruptcy Court


Central District of California
} L b o k c 1 a { l F V r e m s i . n ) u t y P ( C D

Voluntary Petition

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

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

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

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN
(if more than one, state all)

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN
(if more than one, state all)

xxx-xx-7594
Street Address of Debtor (No. and Street, City, and State): Street Address of Joint Debtor (No. and Street, City, and State):

554 W. 21st Street Upland, CA


ZIP Code ZIP Code

91784
County of Residence or of the Principal Place of Business: County of Residence or of the Principal Place of Business:

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

ZIP Code

ZIP Code

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

Type of Debtor
(Form of Organization) (Check one box)

Nature of Business
(Check one box)

Chapter of Bankruptcy Code Under Which the Petition is Filed (Check one box) Chapter 7 Chapter 9 Chapter 11 Chapter 12 Chapter 13 Chapter 15 Petition for Recognition of a Foreign Main Proceeding Chapter 15 Petition for Recognition of a Foreign Nonmain Proceeding Nature of Debts
(Check one box) Debts are primarily consumer debts, defined in 11 U.S.C. 101(8) as "incurred by an individual primarily for a personal, family, or household purpose." Debts are primarily business debts.

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

Health Care Business Single Asset Real Estate as defined in 11 U.S.C. 101 (51B) Railroad Stockbroker Commodity Broker Clearing Bank Other Tax-Exempt Entity
(Check box, if applicable)

Debtor is a tax-exempt organization under Title 26 of the United States Code (the Internal Revenue Code). Filing Fee (Check one box)
Full Filing Fee attached Filing Fee to be paid in installments (applicable to individuals only). Must attach signed application for the court's consideration certifying that the debtor is unable to pay fee except in installments. Rule 1006(b). See Official Form 3A. Filing Fee waiver requested (applicable to chapter 7 individuals only). Must attach signed application for the court's consideration. See Official Form 3B.

Chapter 11 Debtors Check one box: Debtor is a small business debtor as defined in 11 U.S.C. 101(51D). Debtor is not a small business debtor as defined in 11 U.S.C. 101(51D). Check if: Debtors aggregate noncontingent liquidated debts (excluding debts owed to insiders or affiliates) are less than $2,343,300 (amount subject to adjustment on 4/01/13 and every three years thereafter).
Check all applicable boxes: A plan is being filed with this petition. Acceptances of the plan were solicited prepetition from one or more classes of creditors, in accordance with 11 U.S.C. 1126(b). THIS SPACE IS FOR COURT USE ONLY

Statistical/Administrative Information Debtor estimates that funds will be available for distribution to unsecured creditors. Debtor estimates that, after any exempt property is excluded and administrative expenses paid, there will be no funds available for distribution to unsecured creditors. Estimated Number of Creditors
149 5099 100199 200999 1,0005,000 5,00110,000 10,00125,000 25,00150,000 50,001100,000 OVER 100,000

Estimated Assets
$0 to $50,000 $50,001 to $100,000 $100,001 to $500,000 $500,001 to $1 million $1,000,001 to $10 million $10,000,001 to $50 million $50,000,001 to $100 million $100,000,001 $500,000,001 More than to $500 to $1 billion $1 billion million

Estimated Liabilities
$0 to $50,000 $50,001 to $100,000 $100,001 to $500,000 $500,001 to $1 million $1,000,001 to $10 million $10,000,001 to $50 million $50,000,001 to $100 million $100,000,001 $500,000,001 More than to $500 to $1 billion $1 billion million

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B1 (Official Form 1)(4/10)

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Page 2

Voluntary Petition
(This page must be completed and filed in every case) Location Where Filed: Riverside Location Where Filed:

All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet) Case Number: Date Filed: 6:10-bk-50274 12/15/10 Case Number: Date Filed:

Pending Bankruptcy Case Filed by any Spouse, Partner, or Affiliate of this Debtor (If more than one, attach additional sheet) Name of Debtor: Case Number: Date Filed: - None District: Exhibit A (To be completed if debtor is required to file periodic reports (e.g., forms 10K and 10Q) with the Securities and Exchange Commission pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 and is requesting relief under chapter 11.) Exhibit A is attached and made a part of this petition. Relationship: Judge: Exhibit B
(To be completed if debtor is an individual whose debts are primarily consumer debts.)

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

/s/ Christopher Hewitt


Signature of Attorney for Debtor(s)

May 9, 2011
(Date)

Christopher Hewitt 236568 Exhibit C


Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety? Yes, and Exhibit C is attached and made a part of this petition. No.

Exhibit D (To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.) Exhibit D completed and signed by the debtor is attached and made a part of this petition. If this is a joint petition: Exhibit D also completed and signed by the joint debtor is attached and made a part of this petition. Information Regarding the Debtor - Venue (Check any applicable box) Debtor has been domiciled or has had a residence, principal place of business, or principal assets in this District for 180 days immediately preceding the date of this petition or for a longer part of such 180 days than in any other District. There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District. Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in this District, or has no principal place of business or assets in the United States but is a defendant in an action or proceeding [in a federal or state court] in this District, or the interests of the parties will be served in regard to the relief sought in this District. Certification by a Debtor Who Resides as a Tenant of Residential Property (Check all applicable boxes) Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)
(Name of landlord that obtained judgment)

(Address of landlord)

Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure the entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and Debtor has included 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)).

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B1 (Official Form 1)(4/10)

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Voluntary Petition
(This page must be completed and filed in every case) Signature(s) of Debtor(s) (Individual/Joint)
I declare under penalty of perjury that the information provided in this petition is true and correct. [If petitioner is an individual whose debts are primarily consumer debts and has chosen to file under chapter 7] I am aware that I may proceed under chapter 7, 11, 12, or 13 of title 11, United States Code, understand the relief available under each such chapter, and choose to proceed under chapter 7. [If no attorney represents me and no bankruptcy petition preparer signs the petition] I have obtained and read the notice required by 11 U.S.C. 342(b). I request relief in accordance with the chapter of title 11, United States Code, specified in this petition.

Signature of a Foreign Representative


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

I request relief in accordance with chapter 15 of title 11. United States Code. Certified copies of the documents required by 11 U.S.C. 1515 are attached. Pursuant to 11 U.S.C. 1511, I request relief in accordance with the chapter of title 11 specified in this petition. A certified copy of the order granting recognition of the foreign main proceeding is attached.

X X

/s/ Anthony Ramos Signature of Debtor Anthony Ramos Signature of Joint Debtor

X
Signature of Foreign Representative Printed Name of Foreign Representative Date

Telephone Number (If not represented by attorney) May 9, 2011 Date Signature of Attorney*

Signature of Non-Attorney Bankruptcy Petition Preparer


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

/s/ Christopher Hewitt Signature of Attorney for Debtor(s) Christopher Hewitt 236568 Printed Name of Attorney for Debtor(s) Law Office Of Christopher Hewitt Firm Name 2229 E. Bel Air Ln Gilbert, AZ 85234

Printed Name and title, if any, of Bankruptcy Petition Preparer Social-Security number (If the bankrutpcy petition preparer is not an individual, state the Social Security number of the officer, principal, responsible person or partner of the bankruptcy petition preparer.)(Required by 11 U.S.C. 110.)

Address Email: hewittesq@yahoo.com 415-265-2917 Fax: 1-877-241-6366 Telephone Number May 9, 2011 Date 236568

Address

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

X
Date
Signature of Bankruptcy Petition Preparer or officer, principal, responsible person,or partner whose Social Security number is provided above. Names and Social-Security numbers of all other individuals who prepared or assisted in preparing this document unless the bankruptcy petition preparer is not an individual:

Signature of Debtor (Corporation/Partnership)


I declare under penalty of perjury that the information provided in this petition is true and correct, and that I have been authorized to file this petition on behalf of the debtor. The debtor requests relief in accordance with the chapter of title 11, United States Code, specified in this petition.

X
Signature of Authorized Individual Printed Name of Authorized Individual Title of Authorized Individual Date
If more than one person prepared this document, attach additional sheets conforming to the appropriate official form for each person. A bankruptcy petition preparers failure to comply with the provisions of title 11 and the Federal Rules of Bankruptcy Procedure may result in fines or imprisonment or both 11 U.S.C. 110; 18 U.S.C. 156.

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

United States Bankruptcy Court


Central District of California
In re Anthony Ramos Debtor(s) Case No. Chapter 13

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH CREDIT COUNSELING REQUIREMENT Warning: You must be able to check truthfully one of the five statements regarding credit counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your creditors will be able to resume collection activities against you. If your case is dismissed and you file another bankruptcy case later, you may be required to pay a second filing fee and you may have to take extra steps to stop creditors' collection activities. Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed. 1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy of any debt repayment plan developed through the agency. 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do not have a certificate from the agency describing the services provided to me. You must file a copy of a certificate from the agency describing the services provided to you and a copy of any debt repayment plan developed through the agency no later than 14 days after your bankruptcy case is filed. 3. I certify that I requested credit counseling services from an approved agency but was unable to obtain the services during the seven days from the time I made my request, and the following exigent circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case now. [Summarize exigent circumstances here.] If your certification is satisfactory to the court, you must still obtain the credit counseling briefing within the first 30 days after you file your bankruptcy petition and promptly file a certificate from the agency that provided the counseling, together with a copy of any debt management plan developed through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days. Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy case without first receiving a credit counseling briefing. 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.]
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B 1D (Official Form 1, Exhibit D) (12/09) - Cont.

Page 2

Incapacity. (Defined in 11 U.S.C. 109(h)(4) as impaired by reason of mental illness or mental deficiency so as to be incapable of realizing and making rational decisions with respect to financial responsibilities.); Disability. (Defined in 11 U.S.C. 109(h)(4) as physically impaired to the extent of being unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or through the Internet.); Active military duty in a military combat zone. 5. The United States trustee or bankruptcy administrator has determined that the credit counseling requirement of 11 U.S.C. 109(h) does not apply in this district. I certify under penalty of perjury that the information provided above is true and correct. Signature of Debtor: Date:
May 9, 2011 /s/ Anthony Ramos Anthony Ramos

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STATEMENT OF RELATED CASES INFORMATION REQUIRED BY LOCAL BANKRUPTCY RULE 1015-2 UNITED STATES BANKRUPTCY COURT, CENTRAL DISTRICT OF CALIFORNIA
1. A petition under the Bankruptcy Act of 1898 or the Bankruptcy Reform Act of 1978 has previously been filed by or against the debtor, his/her spouse, his or her current or former domestic partner, an affiliate of the debtor, any copartnership or joint venture of which debtor is or formerly was a general or limited partner, or member, or any corporation of which the debtor is a director, officer, or person in control, as follows: (Set forth the complete number and title of each such of prior proceeding, date filed, nature thereof, the Bankruptcy Judge and court to whom assigned, whether still pending and, if not, the disposition thereof. If none, so indicate. Also, list any real property included in Schedule A that was filed with any such prior proceeding(s).)
None.

2. (If petitioner is a partnership or joint venture) A petition under the Bankruptcy Act of 1898 or the Bankruptcy Reform Act of 1978 has previously been filed by or against the debtor or an affiliate of the debtor, or a general partner in the debtor, a relative of the general partner, general partner of, or person in control of the debtor, partnership in which the debtor is a general partner, general partner of the debtor, or person in control of the debtor as follows: (Set forth the complete number and title of each such prior proceeding, date filed, nature of the proceeding, the Bankruptcy Judge and court to whom assigned, whether still pending and, if not, the disposition thereof. If none, so indicate. Also, list any real property included in Schedule A that was filed with any such prior proceeding(s).)
None.

3. (If petitioner is a corporation) A petition under the Bankruptcy Act of 1898 or the Bankruptcy Reform Act of 1978 has previously been filed by or against the debtor, or any of its affiliates or subsidiaries, a director of the debtor, an officer of the debtor, a person in control of the debtor, a partnership in which the debtor is general partner, a general partner of the debtor, a relative of the general partner, director, officer, or person in control of the debtor, or any persons, firms or corporations owning 20% or more of its voting stock as follows: (Set forth the complete number and title of each such prior proceeding, date filed, nature of proceeding, the Bankruptcy Judge and court to whom assigned, whether still pending, and if not, the disposition thereof. If none, so indicate. Also, list any real property included in Schedule A that was filed with any such prior proceeding(s).)
None.

4. (If petitioner is an individual) A petition under the Bankruptcy Reform Act of 1978, including amendments thereof, has been filed by or against the debtor within the last 180 days: (Set forth the complete number and title of each such prior proceeding, date filed, nature of proceeding, the Bankruptcy Judge and court to whom assigned, whether still pending, and if not, the disposition thereof. If none, so indicate. Also, list any real property included in Schedule A that was filed with any such prior proceeding(s).)
None.

I declare, under penalty of perjury, that the foregoing is true and correct. Executed at Dated
May 9, 2011

, California.

/s/ Anthony Ramos Anthony Ramos

Debtor

Joint Debtor

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. January 2009

F 1015-2.1
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B201 - Notice of Available Chapters (Rev. 12/08)

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USBC, Central District of California

Christopher Hewitt 236568 2229 E. Bel Air Ln Gilbert, AZ 85234 Telephone: 415-265-2917 Fax:

Name: Address:

1-877-241-6366

Attorney for Debtor Debtor in Pro Per

UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA


List all names including trade names, used by Debtor(s) Case No.: within last 8 years:
Anthony Ramos

NOTICE OF AVAILABLE CHAPTERS


(Notice to Individual Consumer Debtor Under 342(b) of the Bankruptcy Code)

In accordance with 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of bankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney General may examine all information you supply in connection with a bankruptcy case. You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice. Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed from the bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse receive a separate copy of all notices.

1.

Services Available from Credit Counseling Agencies


With limited exceptions, 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a joint case must complete the briefing. In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial management instructional course before he or she can receive a discharge. The clerk also has a list of approved financial management instructional courses. Each debtor in a joint case must complete the course.

2.

The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors Chapter 7: Liquidation ($245 filing fee, $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. Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors. The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated.

2. 3.

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B201 - Notice of Available Chapters (Rev. 12/08)

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USBC, Central District of California

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 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. Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your income and other factors. The court must approve your plan before it can take effect. After completing the payments under your plan, your debts are generally discharged except for domestic support obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations.

2.

3.

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.

3.

Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials


A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, either orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information supplied by a debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the United States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice.

WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors, assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court.

Certificate of the Debtor


I (We), the debtor(s), affirm that I (we) have received and read this notice.
Anthony Ramos

Printed Name(s) of Debtor(s) Case No. (if known)

X /s/ Anthony Ramos Signature of Debtor X Signature of Joint Debtor (if any)

May 9, 2011

Date Date

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

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} b k 1 { F o r m 6 . S u a y f c h e d l s

United States Bankruptcy Court


Central District of California
In re
Anthony Ramos

, Debtor

Case No. Chapter


13

SUMMARY OF SCHEDULES
Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A, B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtors assets. Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtors liabilities. Individual debtors must also complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.

NAME OF SCHEDULE A - Real Property B - Personal Property C - Property Claimed as Exempt D - Creditors Holding Secured Claims E - Creditors Holding Unsecured Priority Claims (Total of Claims on Schedule E) F - Creditors Holding Unsecured Nonpriority Claims G - Executory Contracts and Unexpired Leases H - Codebtors I - Current Income of Individual Debtor(s) J - Current Expenditures of Individual Debtor(s)

ATTACHED (YES/NO) Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

NO. OF SHEETS 1 4 1 2 2 6 1 1 2 2 22

ASSETS 440,000.00 363,054.21

LIABILITIES

OTHER

640,417.00 3,592.00 85,214.00

10,271.17 8,518.00

Total Number of Sheets of ALL Schedules

Total Assets

803,054.21 729,223.00

Total Liabilities

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Form 6 - Statistical Summary (12/07)

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} e b k r { t 1 a i F n o L m 6 . l S s c d R u y D f C

United States Bankruptcy Court


Central District of California
In re
Anthony Ramos

, Debtor

Case No. Chapter


13

STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. 159)
If you are an individual debtor whose debts are primarily consumer debts, as defined in 101(8) of the Bankruptcy Code (11 U.S.C. 101(8)), filing a case under chapter 7, 11 or 13, you must report all information requested below. Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to report any information here. This information is for statistical purposes only under 28 U.S.C. 159. Summarize the following types of liabilities, as reported in the Schedules, and total them.

Type of Liability Domestic Support Obligations (from Schedule E) Taxes and Certain Other Debts Owed to Governmental Units (from Schedule E) Claims for Death or Personal Injury While Debtor Was Intoxicated (from Schedule E) (whether disputed or undisputed) Student Loan Obligations (from Schedule F) Domestic Support, Separation Agreement, and Divorce Decree Obligations Not Reported on Schedule E Obligations to Pension or Profit-Sharing, and Other Similar Obligations (from Schedule F) TOTAL

Amount

0.00 3,592.00 0.00 0.00 0.00 0.00 3,592.00

State the following: Average Income (from Schedule I, Line 16) Average Expenses (from Schedule J, Line 18) Current Monthly Income (from Form 22A Line 12; OR, Form 22B Line 11; OR, Form 22C Line 20 ) State the following: 1. Total from Schedule D, "UNSECURED PORTION, IF ANY" column 2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY" column 3. Total from Schedule E, "AMOUNT NOT ENTITLED TO PRIORITY, IF ANY" column 4. Total from Schedule F 5. Total of non-priority unsecured debt (sum of 1, 3, and 4)

10,271.17 8,518.00 14,282.00

187,209.00 3,592.00 0.00 85,214.00 272,423.00

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Case 6:11-bk-25322-CB
B6A (Official Form 6A) (12/07)

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} b k 1 { S c h e d u l A R a P r o p t y

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE A - REAL PROPERTY


Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a cotenant, community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable for the debtor's own benefit. If the debtor is married, state whether husband, wife, both, or the marital community own the property by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor holds no interest in real property, write "None" under "Description and Location of Property." Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and Unexpired Leases. If an entity claims to have a lien or hold a secured interest in any property, state the amount of the secured claim. See Schedule D. If no entity claims to hold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim." If the debtor is an individual or if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property Claimed as Exempt. Current Value of Husband, Debtor's Interest in Wife, Property, without Joint, or Community Deducting any Secured Claim or Exemption 440,000.00

Description and Location of Property

Nature of Debtor's Interest in Property

Amount of Secured Claim

554 W. 21st Upland, CA 91784

50% interest as tenant in common

605,308.00

Sub-Total > Total > 0 continuation sheets attached to the Schedule of Real Property

440,000.00 440,000.00

(Total of this page)

(Report also on Summary of Schedules)


Best Case Bankruptcy

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Case 6:11-bk-25322-CB
B6B (Official Form 6B) (12/07)

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} k b { 1 S c h e d u l B P r s o n a p t y

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE B - PERSONAL PROPERTY


Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories, place an "x" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identified with the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital community own the property by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor is an individual or a joint petition is filed, state the amount of any exemptions claimed only in Schedule C - Property Claimed as Exempt. Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and Unexpired Leases. If the property is being held for the debtor by someone else, state that person's name and address under "Description and Location of Property." If the property is being held for a minor child, simply state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. 112 and Fed. R. Bankr. P. 1007(m). Type of Property N O N E X Bank of America Checking account ending in 6906 Bank of America Savings ending in 9054 1,500.00 3.21 Description and Location of Property Husband, Current Value of Wife, Debtor's Interest in Property, Joint, or without Deducting any Community Secured Claim or Exemption

1. 2.

Cash on hand Checking, savings or other financial accounts, certificates of deposit, or shares in banks, savings and loan, thrift, building and loan, and homestead associations, or credit unions, brokerage houses, or cooperatives. Security deposits with public utilities, telephone companies, landlords, and others. Household goods and furnishings, including audio, video, and computer equipment. Books, pictures and other art objects, antiques, stamp, coin, record, tape, compact disc, and other collections or collectibles. Wearing apparel. Furs and jewelry. Firearms and sports, photographic, and other hobby equipment. Interests in insurance policies. Name insurance company of each policy and itemize surrender or refund value of each.

3.

4.

Standard Household Goods: See attached list

16,870.00

5.

6. 7. 8. 9.

Used Clothing X X AHL Cancer 8087370452 AHL Heart and Stroke - 8087370456 Life Insurance Policy with ING 31640-

1,500.00

0.00 0.00 0.00

10. Annuities. Itemize and name each issuer.

Sub-Total > (Total of this page) 2 continuation sheets attached to the Schedule of Personal Property

19,873.21

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Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6B (Official Form 6B) (12/07) - Cont.

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE B - PERSONAL PROPERTY


(Continuation Sheet) N O N E X Husband, Current Value of Wife, Debtor's Interest in Property, Joint, or without Deducting any Community Secured Claim or Exemption

Type of Property

Description and Location of Property

11. Interests in an education IRA as defined in 26 U.S.C. 530(b)(1) or under a qualified State tuition plan as defined in 26 U.S.C. 529(b)(1). Give particulars. (File separately the record(s) of any such interest(s). 11 U.S.C. 521(c).) 12. Interests in IRA, ERISA, Keogh, or other pension or profit sharing plans. Give particulars. 13. Stock and interests in incorporated and unincorporated businesses. Itemize. 14. Interests in partnerships or joint ventures. Itemize. 15. Government and corporate bonds and other negotiable and nonnegotiable instruments. 16. Accounts receivable. 17. Alimony, maintenance, support, and property settlements to which the debtor is or may be entitled. Give particulars.

CalPers Account

328,181.00

X X

X X

18. Other liquidated debts owed to debtor X including tax refunds. Give particulars. 19. Equitable or future interests, life estates, and rights or powers exercisable for the benefit of the debtor other than those listed in Schedule A - Real Property. 20. Contingent and noncontingent interests in estate of a decedent, death benefit plan, life insurance policy, or trust. 21. Other contingent and unliquidated claims of every nature, including tax refunds, counterclaims of the debtor, and rights to setoff claims. Give estimated value of each. X

Sub-Total > (Total of this page) Sheet 1 of 2 continuation sheets attached to the Schedule of Personal Property
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328,181.00

Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6B (Official Form 6B) (12/07) - Cont.

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE B - PERSONAL PROPERTY


(Continuation Sheet) N O N E X Husband, Current Value of Wife, Debtor's Interest in Property, Joint, or without Deducting any Community Secured Claim or Exemption

Type of Property

Description and Location of Property

22. Patents, copyrights, and other intellectual property. Give particulars. 23. Licenses, franchises, and other general intangibles. Give particulars. 24. Customer lists or other compilations containing personally identifiable information (as defined in 11 U.S.C. 101(41A)) provided to the debtor by individuals in connection with obtaining a product or service from the debtor primarily for personal, family, or household purposes. 25. Automobiles, trucks, trailers, and other vehicles and accessories.

2009 Toyota Camry with 30k miles 2006 Ford F150 with 43000 miles

0.00 15,000.00

26. Boats, motors, and accessories. 27. Aircraft and accessories. 28. Office equipment, furnishings, and supplies. 29. Machinery, fixtures, equipment, and supplies used in business. 30. Inventory. 31. Animals. 32. Crops - growing or harvested. Give particulars. 33. Farming equipment and implements. 34. Farm supplies, chemicals, and feed. 35. Other personal property of any kind not already listed. Itemize.

X X X X X X X X X X

Sheet 2 of 2 continuation sheets attached to the Schedule of Personal Property


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Sub-Total > (Total of this page) Total >

15,000.00 363,054.21

(Report also on Summary of Schedules)


Best Case Bankruptcy

}bk1{AttachmentCase A}bk{

6:11-bk-25322-CB

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Case 6:11-bk-25322-CB
B6C (Official Form 6C) (4/10)

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E } x b e k m 1 p { t S c h d u l C P r o y a i s

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT


Debtor claims the exemptions to which debtor is entitled under: (Check one box) 11 U.S.C. 522(b)(2) 11 U.S.C. 522(b)(3) Description of Property Check if debtor claims a homestead exemption that exceeds $146,450. (Amount subject to adjustment on 4/1/13, and every three years thereafter
with respect to cases commenced on or after the date of adjustment.)

Specify Law Providing Each Exemption

Value of Claimed Exemption 50.00 15.00 1,435.00 3.21

Current Value of Property Without Deducting Exemption 1,500.00

Checking, Savings, or Other Financial Accounts, Certificates of Deposit Bank of America Checking account ending in C.C.P. 703.140(b)(5) 6906 C.C.P. 703.140(b)(5) C.C.P. 703.140(b)(5) Bank of America Savings ending in 9054 Household Goods and Furnishings Standard Household Goods: See attached list C.C.P. 703.140(b)(5)

3.21

C.C.P. 703.140(b)(3) C.C.P. 703.140(b)(3)

8,000.00 8,870.00

16,870.00

Wearing Apparel Used Clothing

C.C.P. 703.140(b)(3)

1,500.00

1,500.00

Interests in IRA, ERISA, Keogh, or Other Pension or Profit Sharing Plans CalPers Account 11 U.S.C. 522(b)(3)(C) Automobiles, Trucks, Trailers, and Other Vehicles 2006 Ford F150 with 43000 miles

328,181.00

328,181.00

C.C.P. 703.140(b)(2)

1,792.00

15,000.00

Total: 0 continuation sheets attached to Schedule of Property Claimed as Exempt


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349,846.21

363,054.21
Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6D (Official Form 6D) (12/07)

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} e b c k u 1 r { S d h C l a i m s D t o H n g

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS


State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and other security interests. List creditors in alphabetical order to the extent practicable. If a minor child is a creditor, the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. 112 and Fed. R. Bankr. P. 1007(m). If all secured creditors will not fit on this page, use the continuation sheet provided. If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor" ,include the entity on the appropriate schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be liable on each claim by placing an "H", "W", "J", or "C" in the column labeled "Husband, Wife, Joint, or Community". If the claim is contingent, place an "X" in the column labeled "Contingent". If the claim is unliquidated, place an "X" in the column labeled "Unliquidated". If the claim is disputed, place an "X" in the column labeled "Disputed". (You may need to place an "X" in more than one of these three columns.) Total the columns labeled "Amount of Claim Without Deducting Value of Collateral" and "Unsecured Portion, if Any" in the boxes labeled "Total(s)" on the last sheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual with primarily consumer debts, report the total from the column labeled "Unsecured Portion" on the Statistical Summary of Certain Liabilities and Related Data. Check this box if debtor has no creditors holding secured claims to report on this Schedule D.

CREDITOR'S NAME AND MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions above.) Account No. Ref code RBWHVLCX City of Claremont 207 Harvard Ave Claremont, CA 91711

C O D E B T O R

Husband, Wife, Joint, or Community H W J C

DATE CLAIM WAS INCURRED, NATURE OF LIEN, AND DESCRIPTION AND VALUE OF PROPERTY SUBJECT TO LIEN 557 Loan

C O N T I N G E N T

U N L I Q U I D A T E D

D I S P U T E D

AMOUNT OF CLAIM WITHOUT DEDUCTING VALUE OF COLLATERAL

UNSECURED PORTION, IF ANY

Value $ 0.00 2,287.00 2,287.00

Account No. xxxxxx1700 F&a Federal Credit Un 2625 Corporate Pl Monterey Park, CA 91754

Opened 8/01/07 Last Active 1/14/11 2006 Ford F150 with 43000 miles Value $ 15,000.00 13,208.00 0.00

Account No. Unknown Specialized Loan Services PO BOX 105 219 Atlanta, GA 30348

2005 2nd Lien 554 W. 21st - Upland, CA 91784 Value $ 440,000.00 148,000.00 148,000.00

Account No. xxxxxxS337 Toyota Motor Credit Co PO BOX 60116 City of Industry, CA 91716-0016

Opened 5/23/09 Last Active 12/05/10 2009 Toyota Camry with 30k miles Value $ 0.00 Subtotal (Total of this page) 19,614.00 183,109.00 19,614.00 169,901.00

1 _____ continuation sheets attached

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Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6D (Official Form 6D) (12/07) - Cont.

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS


(Continuation Sheet)
C O D E B T O R Husband, Wife, Joint, or Community H W J C C O N T I N G E N T U N L I Q U I D A T E D D I S P U T E D

CREDITOR'S NAME AND MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions.) Account No. xxxxxxxxx4887 Wells Fargo PO BOX 54349 Los Angeles, CA 90054

DATE CLAIM WAS INCURRED, NATURE OF LIEN, AND DESCRIPTION AND VALUE OF PROPERTY SUBJECT TO LIEN Opened 1/01/05 Last Active 1/20/11 554 W. 21st Upland, CA 91784

AMOUNT OF CLAIM WITHOUT DEDUCTING VALUE OF COLLATERAL

UNSECURED PORTION, IF ANY

Value $ 440,000.00 457,308.00 17,308.00

Account No.

Value $ Account No.

Value $ Account No.

Value $ Account No.

Value $ 1 1 Sheet _____ of _____ continuation sheets attached to Schedule of Creditors Holding Secured Claims Subtotal (Total of this page) Total (Report on Summary of Schedules)
Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com

457,308.00 640,417.00

17,308.00 187,209.00

Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6E (Official Form 6E) (4/10)

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} n b s k e 1 c { u S r h d P l i o E t y C a m H g U

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS


A complete list of claims entitled to priority, listed separately by type of priority, is to be set forth on the sheets provided. Only holders of unsecured claims entitled to priority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address, including zip code, and last four digits of the account number, if any, of all entities holding priority claims against the debtor or the property of the debtor, as of the date of the filing of the petition. Use a separate continuation sheet for each type of priority and label each with the type of priority. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. 112 and Fed. R. Bankr. P. 1007(m). If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.) Report the total of claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E in the box labeled "Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules. Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts entitled to priority listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total also on the Statistical Summary of Certain Liabilities and Related Data. Report the total of amounts not entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts not entitled to priority listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total also on the Statistical Summary of Certain Liabilities and Related Data. Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.

TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets) Domestic support obligations
Claims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, or responsible relative of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in 11 U.S.C. 507(a)(1).

Extensions of credit in an involuntary case


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

Wages, salaries, and commissions


Wages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifying independent sales representatives up to $11,725* per person earned within 180 days immediately preceding the filing of the original petition, or the cessation of business, whichever occurred first, to the extent provided in 11 U.S.C. 507(a)(4).

Contributions to employee benefit plans


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

Certain farmers and fishermen


Claims of certain farmers and fishermen, up to $5,775* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. 507(a)(6).

Deposits by individuals
Claims of individuals up to $2,600* for deposits for the purchase, lease, or rental of property or services for personal, family, or household use, that were not delivered or provided. 11 U.S.C. 507(a)(7).

Taxes and certain other debts owed to governmental units


Taxes, customs duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. 507(a)(8).

Commitments to maintain the capital of an insured depository institution


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

Claims for death or personal injury while debtor was intoxicated


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

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

1
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continuation sheets attached


Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6E (Official Form 6E) (4/10) - Cont.

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS


(Continuation Sheet) Taxes and Certain Other Debts Owed to Governmental Units TYPE OF PRIORITY CREDITOR'S NAME, AND MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions.) Account No. xxxxx-2660 IRS 5045 E. Butler Ave Fresno, CA 93888-0021
C O D E B T O R Husband, Wife, Joint, or Community H W J C C O N T I N G E N T U N L I Q U I D A T E D D I S P U T E D

DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM

AMOUNT OF CLAIM

AMOUNT NOT ENTITLED TO PRIORITY, IF ANY AMOUNT ENTITLED TO PRIORITY

2008 Tax Debt

0.00 3,592.00 3,592.00

Account No.

Account No.

Account No.

Account No.

1 1 Sheet _____ of _____ continuation sheets attached to Schedule of Creditors Holding Unsecured Priority Claims

Subtotal (Total of this page) Total (Report on Summary of Schedules) 3,592.00

0.00 3,592.00 0.00 3,592.00 3,592.00


Best Case Bankruptcy

Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com

Case 6:11-bk-25322-CB
B6F (Official Form 6F) (12/07)

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} n b s k e 1 c { u S r h d N o l p F i C t y a m H g U

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without priority against the debtor or the property of the debtor, as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. 112 and Fed. R. Bankr. P. 1007(m). Do not include claims listed in Schedules D and E. If all creditors will not fit on this page, use the continuation sheet provided. If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.) Report the total of all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data. Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.

CREDITOR'S NAME, MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions above.) Account No. xxxxxx5943 Acs/clc College Loan C 501 Bleecker St Utica, NY 13501

C O D E B T O R

Husband, Wife, Joint, or Community H W J C

DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM. IF CLAIM IS SUBJECT TO SETOFF, SO STATE. Opened 3/01/07 Last Active 12/31/10 Educational

C O N T I N G E N T

U N L I Q U I D A T E D

D I S P U T E D

AMOUNT OF CLAIM

1,835.00 Account No. Unknown Bank of America PO BOX 17054 Wilmington, DE 19850 2004 Credit debt -

6,493.00 Account No. xxxx3032 Calvary Portfolio Services Attention: Bankruptcy Department Po Box 1017 Hawthorne, NY 10532 Account No. Unknown Capital one PO BOX 30285 Salt Lake City, UT 84130 Opened 6/01/10 Last Active 1/16/11 CollectionAttorney Ge Money Bank -

11,533.00 1999 Credit debt -

2,303.00 _____ continuation sheets attached 5 Subtotal (Total of this page) 22,164.00

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S/N:39511-110309

Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6F (Official Form 6F) (12/07) - Cont.

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


(Continuation Sheet)

CREDITOR'S NAME, MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions above.) Account No. xxxxxxxxxxxx3125 Capital One, N.a. Bankruptcy Dept Po Box 5155 Norcross, GA 30091 Account No. xxx 1004 Chase PO BOX 15298 Wilmington, DE 19850

C O D E B T O R

Husband, Wife, Joint, or Community H W J C

DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM. IF CLAIM IS SUBJECT TO SETOFF, SO STATE. Opened 6/01/04 Last Active 8/31/10 CreditCard

C O N T I N G E N T

U N L I Q U I D A T E D

D I S P U T E D

AMOUNT OF CLAIM

4,335.00 2005 credit card debt -

5,415.00 Account No. 1047 Chase PO BOX 15298 Wilmington, DE 19850 2005 Credit debt -

3,498.00 Account No. 1514 Chase PO BOX 15298 Wilmington, DE 19850 2006 Credit card debt -

4,494.00 Account No. xxx6455 Collection Consultants 6100 San Fernando Rd Ste Glendale, CA 91201 Opened 12/01/10 CollectionAttorney Bear Valley Community Hospital -

1,094.00 Sheet no. _____ of _____ sheets attached to Schedule of 1 5 Creditors Holding Unsecured Nonpriority Claims Subtotal (Total of this page) 18,836.00

Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com

Best Case Bankruptcy

Case 6:11-bk-25322-CB
B6F (Official Form 6F) (12/07) - Cont.

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5/09/11 4:37PM

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


(Continuation Sheet)

CREDITOR'S NAME, MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions above.) Account No. 5417 Discount Tire PO BOX 941439 El Paso, TX 79998

C O D E B T O R

Husband, Wife, Joint, or Community H W J C

DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM. IF CLAIM IS SUBJECT TO SETOFF, SO STATE. 2006 Credit card

C O N T I N G E N T

U N L I Q U I D A T E D

D I S P U T E D

AMOUNT OF CLAIM

1,391.00 Account No. xxxxx9310 Diversi Col 555 Mccormick St San Leandro, CA 94577 Opened 7/01/10 CollectionAttorney 07 College Loan Corporation -

2,000.00 Account No. xxxx8802 Dr Altwin PO BOX 1033 Riverside, CA 92502 2010 Dr visit -

377.00 Account No. xxxxxxxxxxx4517 Dscvr/glelsi 2401 International Madison, WI 53704 Opened 8/11/08 Last Active 12/01/10 Educational -

2,217.00 Account No. xxxxxx2335 Firstar c/o US Bank Bankruptcy Dept Po Box 5229 Cincinnati, OH 45201 Opened 4/01/04 Last Active 8/24/09 AutoLease -

5,152.00 Sheet no. _____ of _____ sheets attached to Schedule of 2 5 Creditors Holding Unsecured Nonpriority Claims Subtotal (Total of this page) 11,137.00

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

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


(Continuation Sheet)

CREDITOR'S NAME, MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions above.) Account No. xxxx0551 Ford Motor Credit Corporation National Bankruptcy Service Center Po Box 537901 Livonia, MI 48153 Account No. xxxxxxxxxxxx6416 GEMB / Mervyns Attention: Bankruptcy Po Box 103104 Roswell, GA 30076 Account No. 0012 Household Bank 90 Christiana Road New Castle, DE 19720

C O D E B T O R

Husband, Wife, Joint, or Community H W J C

DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM. IF CLAIM IS SUBJECT TO SETOFF, SO STATE. Opened 2/01/06 Last Active 8/13/07 Lease

C O N T I N G E N T

U N L I Q U I D A T E D

D I S P U T E D

AMOUNT OF CLAIM

0.00 Opened 5/01/01 Last Active 3/20/09 ChargeAccount -

452.00 2005 Credit Card Debt -

196.00 Account No. 2443 Household Credit Services Po BOX 91716 City of Industry, CA 91716 2000 Credit debt -

2,033.00 Account No. 5847 Inland Valley Anestheis PO BOX 148 Claremont, CA 91711 2010 Medical -

519.00 Sheet no. _____ of _____ sheets attached to Schedule of 3 5 Creditors Holding Unsecured Nonpriority Claims Subtotal (Total of this page) 3,200.00

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

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


(Continuation Sheet)

CREDITOR'S NAME, MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions above.) Account No. 1875 Inter Community Medical Center 1521 W. Cameron Ave West Covina, CA 91790

C O D E B T O R

Husband, Wife, Joint, or Community H W J C

DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM. IF CLAIM IS SUBJECT TO SETOFF, SO STATE. 2010 Medical Bills

C O N T I N G E N T

U N L I Q U I D A T E D

D I S P U T E D

AMOUNT OF CLAIM

457.00 Account No. 7968 kohls/Chase PO BOX 3120 Milwaukee, WI 53201 2005 Credit Casd purchases -

1,261.00 Account No. xxxxxxxxxxxx8075 Lowes / MBGA Attention: Bankruptcy Department Po Box 103104 Roswell, GA 30076 Account No. xxxxxxxxxxxx8837 National Credit Adjust Po Box 3023 Hutchinson, KS 67504 Opened 4/01/01 Last Active 3/19/09 ChargeAccount -

8,497.00 Opened 6/01/09 Last Active 1/14/11 FactoringCompanyAccount Hsbc -

4,231.00 Account No. 3743 Nordstroms PO BOX 13589 Scottsdale, AZ 85267 1999 Credit card -

4,456.00 Sheet no. _____ of _____ sheets attached to Schedule of 4 5 Creditors Holding Unsecured Nonpriority Claims Subtotal (Total of this page) 18,902.00

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

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In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


(Continuation Sheet)

CREDITOR'S NAME, MAILING ADDRESS INCLUDING ZIP CODE, AND ACCOUNT NUMBER (See instructions above.) Account No. 8701 Premier Family Medical 300 South Park Ave 5th Floor Pomona, CA 91766

C O D E B T O R

Husband, Wife, Joint, or Community H W J C

DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM. IF CLAIM IS SUBJECT TO SETOFF, SO STATE. 4/2010 medical

C O N T I N G E N T

U N L I Q U I D A T E D

D I S P U T E D

AMOUNT OF CLAIM

67.00 Account No. 9430 US Bank PO BOX 790408 Saint Louis, MO 63166 unknown Credit debt -

1,102.00 Account No. 9403 US Bank PO BOX 108 Saint Louis, MO 63166 Unknown Unknown -

5,152.00 Account No. xxxxxxxxxxxx4576 Wf Fin Bank Wells Fargo Financial 4137 121st St Urbendale, IA 50323 Account No. 3020 WFFNB PO BOX 94498 Las Vegas, NV 89193 Opened 11/01/06 Last Active 3/27/09 CreditCard -

890.00 2005 Credit Card -

3,764.00 Sheet no. _____ of _____ sheets attached to Schedule of 5 5 Creditors Holding Unsecured Nonpriority Claims Subtotal (Total of this page) Total (Report on Summary of Schedules) 10,975.00

85,214.00

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

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a } n b d k 1 U { S e c x h p i r u l L G s E t o y C

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES


Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State nature of debtor's interest in contract, i.e., "Purchaser", "Agent", etc. State whether debtor is the lessor or lessee of a lease. Provide the names and complete mailing addresses of all other parties to each lease or contract described. If a minor child is a party to one of the leases or contracts, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. 112 and Fed. R. Bankr. P. 1007(m). Check this box if debtor has no executory contracts or unexpired leases. Name and Mailing Address, Including Zip Code, of Other Parties to Lease or Contract Toyota Motor Credit Co Must call 800-874-8822 for mailing addre Description of Contract or Lease and Nature of Debtor's Interest. State whether lease is for nonresidential real property. State contract number of any government contract. Acct# 10272GS337 Opened Opened 5/23/09 Last Active 12/05/10 AutoLease

0 continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases


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

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} b k 1 { S c h e d u l H C o t r s

In re

Anthony Ramos

, Debtor

Case No.

SCHEDULE H - CODEBTORS
Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listed by debtor in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within the eight year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and of any former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names used by the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. 112 and Fed. R. Bankr. P. 1007(m). Check this box if debtor has no codebtors. NAME AND ADDRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR

0 continuation sheets attached to Schedule of Codebtors


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

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Anthony Ramos

SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)


The column labeled "Spouse" must be completed in all cases filed by joint debtors and by every married debtor, whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly income calculated on this form may differ from the current monthly income calculated on Form 22A, 22B, or 22C. Debtor's Marital Status:
RELATIONSHIP(S): DEPENDENTS OF DEBTOR AND SPOUSE AGE(S):

Brothers Daughter Single Brothers Daughter Domestic Partner Employment: DEBTOR Occupation Assistant City Manager City of Claremont Name of Employer How long employed 4 Address of Employer 207 Harvard Ave Claremont, CA 91711 INCOME: (Estimate of average or projected monthly income at time case filed) 1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly) 2. Estimate monthly overtime 3. SUBTOTAL 4. LESS PAYROLL DEDUCTIONS a. Payroll taxes and social security b. Insurance c. Union dues d. Other (Specify) See Detailed Income Attachment 5. SUBTOTAL OF PAYROLL DEDUCTIONS 6. TOTAL NET MONTHLY TAKE HOME PAY 7. Regular income from operation of business or profession or farm (Attach detailed statement) 8. Income from real property 9. Interest and dividends 10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that of dependents listed above 11. Social security or government assistance (Specify): 12. Pension or retirement income 13. Other monthly income (Specify): Domestic Partners Contribution to household after taxes and

13 17 43 SPOUSE

$ $ $

DEBTOR 14,293.50 0.00 14,293.50

$ $ $

SPOUSE N/A N/A N/A

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

2,968.33 613.17 0.00 465.83 4,047.33 10,246.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 25.00 10,271.17 $

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 10,271.17

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

14. SUBTOTAL OF LINES 7 THROUGH 13 15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) 16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15)

(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:

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

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SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S) Detailed Income Attachment


Other Payroll Deductions: Survivor Benefits Defered Compensation Computer Purchase 457 Loan Total Other Payroll Deductions $ $ $ $ $ 2.17 299.00 69.33 95.33 465.83 $ $ $ $ $ N/A N/A N/A N/A N/A

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

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SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)


Complete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family at time case filed. Prorate any payments made bi-weekly, quarterly, semi-annually, or annually to show monthly rate. The average monthly expenses calculated on this form may differ from the deductions from income allowed on Form 22A or 22C. Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of expenditures labeled "Spouse." 1. Rent or home mortgage payment (include lot rented for mobile home) a. Are real estate taxes included? Yes No X b. Is property insurance included? Yes No X 2. Utilities: a. Electricity and heating fuel b. Water and sewer c. Telephone d. Other See Detailed Expense Attachment 3. Home maintenance (repairs and upkeep) 4. Food 5. Clothing 6. Laundry and dry cleaning 7. Medical and dental expenses 8. Transportation (not including car payments) 9. Recreation, clubs and entertainment, newspapers, magazines, etc. 10. Charitable contributions 11. Insurance (not deducted from wages or included in home mortgage payments) a. Homeowner's or renter's b. Life c. Health d. Auto e. Other 12. Taxes (not deducted from wages or included in home mortgage payments) (Specify) 13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the plan) a. Auto b. Other c. Other 14. Alimony, maintenance, and support paid to others 15. Payments for support of additional dependents not living at your home 16. Regular expenses from operation of business, profession, or farm (attach detailed statement) 17. Other Personal Grooming for family Other 18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and, if applicable, on the Statistical Summary of Certain Liabilities and Related Data.) 19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year following the filing of this document: 20. STATEMENT OF MONTHLY NET INCOME a. Average monthly income from Line 15 of Schedule I b. Average monthly expenses from Line 18 above c. Monthly net income (a. minus b.) $
2,879.00

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

400.00 75.00 0.00 605.00 150.00 1,000.00 280.00 60.00 216.00 750.00 150.00 325.00 0.00 0.00 200.00 590.00 0.00 0.00

$ $ $ $ $ $ $ $ $

688.00 0.00 0.00 0.00 0.00 0.00 150.00 0.00 8,518.00

$ $ $

10,271.17 8,518.00 1,753.17

Case 6:11-bk-25322-CB
B6J (Official Form 6J) (12/07)

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SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)


Detailed Expense Attachment
Other Utility Expenditures:
Cable/Internet/phone Cell phone Trash Gas Bill

$ $ $ $ $

150.00 200.00 80.00 175.00 605.00

Total Other Utility Expenditures

Case 6:11-bk-25322-CB
B6 Declaration (Official Form 6 - Declaration). (12/07)

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United States Bankruptcy Court


Central District of California
In re Anthony Ramos Debtor(s) Case No. Chapter 13

DECLARATION CONCERNING DEBTOR'S SCHEDULES


DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR

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

24

Date May 9, 2011

Signature

/s/ Anthony Ramos Anthony Ramos

Debtor Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both. 18 U.S.C. 152 and 3571.

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B7 (Official Form 7) (04/10)

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United States Bankruptcy Court


Central District of California
In re Anthony Ramos Debtor(s) Case No. Chapter 13

STATEMENT OF FINANCIAL AFFAIRS


This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for both spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole proprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all such activities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. 112; Fed. R. Bankr. P. 1007(m). Questions 1 - 18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete Questions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question. DEFINITIONS "In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in business" for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be "in business" for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the debtor's primary employment. "Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives; corporations of which the debtor is an officer, director, or person in control; officers, directors, and any 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.

1. Income from employment or operation of business


None

State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's business, including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar year to the date this case was commenced. State also the gross amounts received during the two years immediately preceding this calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may report fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) AMOUNT $174,664.00 $192,143.00 $171,812.00 SOURCE 2009 Adjusted Gross Income 2008 Adjusted Gross Income 2010 Adjusted Gross Income

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2. Income other than from employment or operation of business


None

State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business during the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) AMOUNT $5,564.00 $2,162.00 $3,634.00 $2,925.00 $-3,323.00 $821.00 3. Payments to creditors SOURCE 2009 Federal Tax Refund 2009 State Refund 2008 Federal Refund 2008 Tax Refund 2010 Federal Refund (Owed 3323) 2010 State Refund

None

Complete a. or b., as appropriate, and c. a. Individual or joint debtor(s) with primarily consumer debts. List all payments on loans, installment purchases of goods or services, and other debts to any creditor made within 90 days immediately preceding the commencement of this case unless the aggregate value of all property that constitutes or is affected by such transfer is less than $600. Indicate with an (*) any payments that were made to a creditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR


None

DATES OF PAYMENTS

AMOUNT PAID

AMOUNT STILL OWING

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 $5,850*. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments and other transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) DATES OF PAYMENTS/ TRANSFERS AMOUNT PAID OR VALUE OF TRANSFERS

NAME AND ADDRESS OF CREDITOR


None

AMOUNT STILL OWING

c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) DATE OF PAYMENT AMOUNT PAID AMOUNT STILL OWING

NAME AND ADDRESS OF CREDITOR AND RELATIONSHIP TO DEBTOR

Amount subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
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4. Suits and administrative proceedings, executions, garnishments and attachments


None

a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of this bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) NATURE OF PROCEEDING Civil Breach of contract COURT OR AGENCY AND LOCATION Superior Court of Los Angeles, Pomonoa, CA STATUS OR DISPOSITION Judgment

CAPTION OF SUIT AND CASE NUMBER Capital One Vs. Tony Ramos case number VRS1000810 Portfolio Recovery Associates vs. Anthony Ramos Case cvrs 1005315
None

Civil breach of contract

Superior court of San Bernadino Rancho Cucamonga Division

Judgment

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.) DATE OF SEIZURE DESCRIPTION AND VALUE OF PROPERTY

NAME AND ADDRESS OF PERSON FOR WHOSE BENEFIT PROPERTY WAS SEIZED 5. Repossessions, foreclosures and returns
None

List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or returned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) DATE OF REPOSSESSION, FORECLOSURE SALE, TRANSFER OR RETURN DESCRIPTION AND VALUE OF PROPERTY

NAME AND ADDRESS OF CREDITOR OR SELLER 6. Assignments and receiverships


None

a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) DATE OF ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT

NAME AND ADDRESS OF ASSIGNEE


None

b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) NAME AND LOCATION OF COURT CASE TITLE & NUMBER DATE OF ORDER DESCRIPTION AND VALUE OF PROPERTY

NAME AND ADDRESS OF CUSTODIAN

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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.) RELATIONSHIP TO DEBTOR, IF ANY DATE OF GIFT DESCRIPTION AND VALUE OF GIFT

NAME AND ADDRESS OF PERSON OR ORGANIZATION 8. Losses


None

List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or since the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) DESCRIPTION OF CIRCUMSTANCES AND, IF LOSS WAS COVERED IN WHOLE OR IN PART BY INSURANCE, GIVE PARTICULARS

DESCRIPTION AND VALUE OF PROPERTY

DATE OF LOSS

9. Payments related to debt counseling or bankruptcy


None

List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation concerning debt consolidation, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediately preceding the commencement of this case. DATE OF PAYMENT, NAME OF PAYOR IF OTHER THAN DEBTOR $500 dollars on March 8, 2011 AMOUNT OF MONEY OR DESCRIPTION AND VALUE OF PROPERTY 500

NAME AND ADDRESS OF PAYEE Law Office Of Christopher Hewitt 2229 E. Bel Air Ln Gilbert, AZ 85234 10. Other transfers
None

a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred either absolutely or as security within two years immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) DATE DESCRIBE PROPERTY TRANSFERRED AND VALUE RECEIVED

NAME AND ADDRESS OF TRANSFEREE, RELATIONSHIP TO DEBTOR


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. AMOUNT OF MONEY OR DESCRIPTION AND VALUE OF PROPERTY OR DEBTOR'S INTEREST IN PROPERTY

NAME OF TRUST OR OTHER DEVICE

DATE(S) OF TRANSFER(S)

11. Closed financial accounts


None

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

NAME AND ADDRESS OF INSTITUTION

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12. Safe deposit boxes


None

List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or depositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) NAMES AND ADDRESSES OF THOSE WITH ACCESS TO BOX OR DEPOSITORY DESCRIPTION OF CONTENTS DATE OF TRANSFER OR SURRENDER, IF ANY

NAME AND ADDRESS OF BANK OR OTHER DEPOSITORY 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.) DATE OF SETOFF AMOUNT OF SETOFF

NAME AND ADDRESS OF CREDITOR 14. Property held for another person
None

List all property owned by another person that the debtor holds or controls.

NAME AND ADDRESS OF OWNER 15. Prior address of debtor


None

DESCRIPTION AND VALUE OF PROPERTY

LOCATION OF PROPERTY

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. NAME USED DATES OF OCCUPANCY

ADDRESS 16. Spouses and Former Spouses


None

If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the commencement of the case, identify the name of the debtors spouse and of any former spouse who resides or resided with the debtor in the community property state.

NAME 17. Environmental Information. For the purpose of this question, the following definitions apply: "Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to, statutes or regulations regulating the cleanup of these substances, wastes, or material. "Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or operated by the debtor, including, but not limited to, disposal sites. "Hazardous Material" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant, or contaminant or similar term under an Environmental Law
None

a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known, the Environmental Law: NAME AND ADDRESS OF GOVERNMENTAL UNIT DATE OF NOTICE ENVIRONMENTAL LAW

SITE NAME AND ADDRESS

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6 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. NAME AND ADDRESS OF GOVERNMENTAL UNIT DATE OF NOTICE ENVIRONMENTAL LAW

SITE NAME AND ADDRESS


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. DOCKET NUMBER STATUS OR DISPOSITION

NAME AND ADDRESS OF GOVERNMENTAL UNIT 18 . Nature, location and name of business
None

a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a partnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six years immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities within six years immediately preceding the commencement of this case. If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six years immediately preceding the commencement of this case. If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six years immediately preceding the commencement of this case. LAST FOUR DIGITS OF SOCIAL-SECURITY OR OTHER INDIVIDUAL TAXPAYER-I.D. NO. (ITIN)/ COMPLETE EIN

NAME
None

ADDRESS

NATURE OF BUSINESS

BEGINNING AND ENDING DATES

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

NAME

ADDRESS

The following questions are to be completed by every debtor that is a corporation or partnership and by any individual debtor who is or has been, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, or owner of more than 5 percent of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership, a sole proprietor, or self-employed in a trade, profession, or other activity, either full- or part-time. (An individual or joint debtor should complete this portion of the statement only if the debtor is or has been in business, as defined above, within six years immediately preceding the commencement of this case. A debtor who has not been in business within those six years should go directly to the signature page.) 19. Books, records and financial statements
None

a. List all bookkeepers and accountants who within two years immediately preceding the filing of this bankruptcy case kept or supervised the keeping of books of account and records of the debtor. DATES SERVICES RENDERED

NAME AND ADDRESS


None

b. List all firms or individuals who within the two years immediately preceding the filing of this bankruptcy case have audited the books of account and records, or prepared a financial statement of the debtor. ADDRESS DATES SERVICES RENDERED

NAME

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7 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. ADDRESS d. List all financial institutions, creditors and other parties, including mercantile and trade agencies, to whom a financial statement was issued by the debtor within two years immediately preceding the commencement of this case. DATE ISSUED

NAME
None

NAME AND ADDRESS 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. INVENTORY SUPERVISOR DOLLAR AMOUNT OF INVENTORY (Specify cost, market or other basis)

DATE OF INVENTORY
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.

DATE OF INVENTORY

NAME AND ADDRESSES OF CUSTODIAN OF INVENTORY RECORDS

21 . Current Partners, Officers, Directors and Shareholders


None

a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.

NAME AND ADDRESS


None

NATURE OF INTEREST

PERCENTAGE OF INTEREST

b. If the debtor is a corporation, list all officers and directors of the corporation, and each stockholder who directly or indirectly owns, controls, or holds 5 percent or more of the voting or equity securities of the corporation. NATURE AND PERCENTAGE OF STOCK OWNERSHIP

NAME AND ADDRESS

TITLE

22 . Former partners, officers, directors and shareholders


None

a. If the debtor is a partnership, list each member who withdrew from the partnership within one year immediately preceding the commencement of this case. ADDRESS DATE OF WITHDRAWAL

NAME
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. TITLE DATE OF TERMINATION

NAME AND ADDRESS

23 . Withdrawals from a partnership or distributions by a corporation


None

If the debtor is a partnership or corporation, list all withdrawals or distributions credited or given to an insider, including compensation in any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding the commencement of this case. DATE AND PURPOSE OF WITHDRAWAL AMOUNT OF MONEY OR DESCRIPTION AND VALUE OF PROPERTY

NAME & ADDRESS OF RECIPIENT, RELATIONSHIP TO DEBTOR

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24. Tax Consolidation Group.


None

If the debtor is a corporation, list the name and federal taxpayer identification number of the parent corporation of any consolidated group for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencement of the case. TAXPAYER IDENTIFICATION NUMBER (EIN)

NAME OF PARENT CORPORATION 25. Pension Funds.


None

If the debtor is not an individual, list the name and federal taxpayer-identification number of any pension fund to which the debtor, as an employer, has been responsible for contributing at any time within six years immediately preceding the commencement of the case. TAXPAYER IDENTIFICATION NUMBER (EIN)

NAME OF PENSION FUND

DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR


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

Date May 9, 2011

Signature

/s/ Anthony Ramos Anthony Ramos

Debtor
Penalty for making a false statement: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. 152 and 3571

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Form B203 - Disclosure of Compensation of Attorney for Debtor - (1/88)

1998 USBC, Central District of California

UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA


In re Anthony Ramos Debtor. Case No.:

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR

1.

Pursuant to 11 U.S.C. 329(a) and Bankruptcy Rule 2016(b), I certify that I am the attorney for the above-named debtor(s) and that compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for services rendered or to be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows: For legal services, I have agreed to accept Prior to the filing of this statement I have received Balance Due $ $ $ 2,500.00 500.00 2,000.00

2. 3.

274.00

of the filing fee has been paid.

The source of the compensation paid to me was: Debtor Other (specify):

4.

The source of compensation to be paid to me is: Debtor Other (specify):

5.

I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm. I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A copy of the agreement, together with a list of the names of the people sharing in the compensation is attached.

6.

In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including: a. Analysis of the debtor's financial situation, and rendering advice to the debtor in determining whether to file a petition in bankruptcy; b. Preparation and filing of any petition, schedules, statement of affairs and plan which may be required; c. Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof; d. [Other provisions as needed] Negotiations with secured creditors to reduce to market value; exemption planning; preparation and filing of reaffirmation agreements and applications as needed; preparation and filing of motions pursuant to 11 USC 522(f)(2)(A) for avoidance of liens on household goods.

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7.

Form B203 Page Two - Disclosure of Compensation of Attorney for Debtor - (1/88)

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1998 USBC, Central District of California

By agreement with the debtor(s), the above-disclosed fee does not include the following services Representation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions or any other adversary proceeding. CERTIFICATION

I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in this bankruptcy proceeding. May 9, 2011 Date /s/ Christopher Hewitt Christopher Hewitt 236568 Signature of Attorney Law Office Of Christopher Hewitt Name of Law Firm 2229 E. Bel Air Ln Gilbert, AZ 85234 415-265-2917 Fax: 1-877-241-6366

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United States Bankruptcy Court


Central District of California
In re Anthony Ramos Debtor(s) Case No. Chapter 13

DEBTOR'S CERTIFICATION OF EMPLOYMENT INCOME PURSUANT TO 11 U.S.C. 521 (a)(1)(B)(iv)


Please fill out the following blank(s) and check the box next to one of the following statements: I, Anthony Ramos , the debtor in this case, declare under penalty of perjury under the laws of the United States of America that: I have attached to this certificate copies of my pay stubs, pay advices and/or other proof of employment income for the 60-day period prior to the date of the filing of my bankruptcy petition. (NOTE: the filer is responsible for blacking out the Social Security number on pay stubs prior to filing them.) I was self-employed for the entire 60-day period prior to the date of the filing of my bankruptcy petition, and received no payment from any other employer. I was unemployed for the entire 60-day period prior to the date of the filing of my bankruptcy petition.

I,

, the debtor in this case, declare under penalty of perjury under the laws of the United States of America that: I have attached to this certificate copies of my pay stubs, pay advices and/or other proof of employment income for the 60-day period prior to the date of the filing of my bankruptcy petition. (NOTE: the filer is responsible for blacking out the Social Security number on pay stubs prior to filing them.) I was self-employed for the entire 60-day period prior to the date of the filing of my bankruptcy petition, and received no payment from any other employer. I was unemployed for the entire 60-day period prior to the date of the filing of my bankruptcy petition.

Date May 9, 2011

Signature

/s/ Anthony Ramos Anthony Ramos

Debtor

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B22C (Official Form 22C) (Chapter 13) (12/10) Anthony Ramos Debtor(s) Case Number: (If known) In re

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According to the calculations required by this statement: The applicable commitment period is 3 years. The applicable commitment period is 5 years. Disposable income is determined under 1325(b)(3). Disposable income is not determined under 1325(b)(3). (Check the boxes as directed in Lines 17 and 23 of this statement.)

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CHAPTER 13 STATEMENT OF CURRENT MONTHLY INCOME AND CALCULATION OF COMMITMENT PERIOD AND DISPOSABLE INCOME
In addition to Schedules I and J, this statement must be completed by every individual chapter 13 debtor, whether or not filing jointly. Joint debtors may complete one statement only. Part I. REPORT OF INCOME Marital/filing status. Check the box that applies and complete the balance of this part of this statement as directed. 1 a. Unmarried. Complete only Column A ("Debtor's Income") for Lines 2-10. b. Married. Complete both Column A ("Debtor's Income") and Column B ("Spouse's Income") for Lines 2-10. All figures must reflect average monthly income received from all sources, derived during the six Column A calendar months prior to filing the bankruptcy case, ending on the last day of the month before Debtor's the filing. If the amount of monthly income varied during the six months, you must divide the Income six-month total by six, and enter the result on the appropriate line. Gross wages, salary, tips, bonuses, overtime, commissions. $ 14,257.00 $

Column B Spouse's Income

Income from the operation of a business, profession, or farm. Subtract Line b from Line a and enter the difference in the appropriate column(s) of Line 3. If you operate more than one business, profession or farm, enter aggregate numbers and provide details on an attachment. Do not enter a number less than zero. Do not include any part of the business expenses entered on Line b as a deduction in Part IV. Debtor Spouse a. Gross receipts $ 0.00 $ b. Ordinary and necessary business expenses $ 0.00 $ c. Business income Subtract Line b from Line a $ Rents and other real property income. Subtract Line b from Line a and enter the difference in the appropriate column(s) of Line 4. Do not enter a number less than zero. Do not include any part of the operating expenses entered on Line b as a deduction in Part IV. Debtor Spouse a. Gross receipts $ 0.00 $ 0.00 $ b. Ordinary and necessary operating expenses $ c. Rent and other real property income Subtract Line b from Line a Interest, dividends, and royalties. Pension and retirement income. Any amounts paid by another person or entity, on a regular basis, for the household expenses of the debtor or the debtor's dependents, including child support paid for that purpose. Do not include alimony or separate maintenance payments or amounts paid by the debtor's spouse. Each regular payment should be reported in only one column; if a payment is listed in Column A, do not report that payment in Column B. Unemployment compensation. Enter the amount in the appropriate column(s) of Line 8. However, if you contend that unemployment compensation received by you or your spouse was a benefit under the Social Security Act, do not list the amount of such compensation in Column A or B, but instead state the amount in the space below: Unemployment compensation claimed to be a benefit under the Social Security Act Debtor $ 0.00 Spouse $

0.00 $

$ $ $

0.00 $ 0.00 $ 0.00 $

5 6

0.00 $

0.00 $

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Income from all other sources. Specify source and amount. If necessary, list additional sources on a separate page. Total and enter on Line 9. Do not include alimony or separate maintenance payments paid by your spouse, but include all other payments of alimony or separate maintenance. Do not include any benefits received under the Social Security Act or payments received as a victim of a war crime, crime against humanity, or as a victim of international or domestic terrorism. Debtor Spouse a. Domestic Partners Household $ 25.00 $ contribution b. $ $ $ Subtotal. Add Lines 2 thru 9 in Column A, and, if Column B is completed, add Lines 2 through 9 $ in Column B. Enter the total(s). Total. If Column B has been completed, add Line 10, Column A to Line 10, Column B, and enter $ the total. If Column B has not been completed, enter the amount from Line 10, Column A.

25.00 $ 14,282.00 $ 14,282.00

10 11

Part II. CALCULATION OF 1325(b)(4) COMMITMENT PERIOD


12 Enter the amount from Line 11 Marital Adjustment. If you are married, but are not filing jointly with your spouse, AND if you contend that calculation of the commitment period under 1325(b)(4) does not require inclusion of the income of your spouse, enter on Line 13 the amount of the income listed in Line 10, Column B that was NOT paid on a regular basis for the household expenses of you or your dependents and specify, in the lines below, the basis for excluding this income (such as payment of the spouse's tax liability or the spouse's support of persons other than the debtor or the debtor's dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments on a separate page. If the conditions for entering this adjustment do not apply, enter zero. a. b. c. Total and enter on Line 13 14 15 Subtract Line 13 from Line 12 and enter the result. Annualized current monthly income for 1325(b)(4). Multiply the amount from Line 14 by the number 12 and enter the result. Applicable median family income. Enter the median family income for applicable state and household size. (This information is available by family size at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) a. Enter debtor's state of residence: CA b. Enter debtor's household size: 4 $ 78,869.00 $ $ $ $ $ $ 0.00 14,282.00 171,384.00 $ 14,282.00

13

16

Application of 1325(b)(4). Check the applicable box and proceed as directed. 17 The amount on Line 15 is less than the amount on Line 16. Check the box for "The applicable commitment period is 3 years" at the top of page 1 of this statement and continue with this statement. The amount on Line 15 is not less than the amount on Line 16. Check the box for "The applicable commitment period is 5 years" at the top of page 1 of this statement and continue with this statement. Part III. APPLICATION OF 1325(b)(3) FOR DETERMINING DISPOSABLE INCOME 18 Enter the amount from Line 11. Marital Adjustment. If you are married, but are not filing jointly with your spouse, enter on Line 19 the total of any income listed in Line 10, Column B that was NOT paid on a regular basis for the household expenses of the debtor or the debtor's dependents. Specify in the lines below the basis for excluding the Column B income(such as payment of the spouse's tax liability or the spouse's support of persons other than the debtor or the debtor's dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments on a separate page. If the conditions for entering this adjustment do not apply, enter zero. a. b. c. Total and enter on Line 19. 20 Current monthly income for 1325(b)(3). Subtract Line 19 from Line 18 and enter the result. $ $ $ $ $ 0.00 14,282.00 $ 14,282.00

19

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B22C (Official Form 22C) (Chapter 13) (12/10) 21 22

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Annualized current monthly income for 1325(b)(3). Multiply the amount from Line 20 by the number 12 and enter the result. Applicable median family income. Enter the amount from Line 16. Application of 1325(b)(3). Check the applicable box and proceed as directed.

$ $

171,384.00 78,869.00

23

The amount on Line 21 is more than the amount on Line 22. Check the box for "Disposable income is determined under 1325(b)(3)" at the top of page 1 of this statement and complete the remaining parts of this statement. The amount on Line 21 is not more than the amount on Line 22. Check the box for "Disposable income is not determined under 1325(b)(3)" at the top of page 1 of this statement and complete Part VII of this statement. Do not complete Parts IV, V, or VI.

Part IV. CALCULATION OF DEDUCTIONS FROM INCOME


Subpart A: Deductions under Standards of the Internal Revenue Service (IRS)
National Standards: food, apparel and services, housekeeping supplies, personal care, and miscellaneous. Enter in Line 24A the "Total" amount from IRS National Standards for Allowable Living Expenses for the applicable number of persons. (This information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) The applicable number of persons is the number that would currently be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support. National Standards: health care. Enter in Line a1 below the amount from IRS National Standards for Out-of-Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards for Out-of-Pocket Health Care for persons 65 years of age or older. (This information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) Enter in Line b1 the applicable number of persons who are under 65 years of age, and enter in Line b2 the applicable number of persons who are 65 years of age or older. (The applicable number of persons in each age category is the number in that category that would currently be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support.) Multiply Line a1 by Line b1 to obtain a total amount for persons under 65, and enter the result in Line c1. Multiply Line a2 by Line b2 to obtain a total amount for persons 65 and older, and enter the result in Line c2. Add Lines c1 and c2 to obtain a total health care amount, and enter the result in Line 24B. Persons under 65 years of age a1. b1. c1. Allowance per person Number of persons Subtotal Persons 65 years of age or older 60 a2. 4 b2. 240.00 c2. Allowance per person Number of persons Subtotal 144 0 0.00 $ 240.00

24A

1,377.00

24B

25A

Local Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing and Utilities Standards; non-mortgage expenses for the applicable county and family size. (This information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court). The applicable family size consists of the number that would currently be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support. Local Standards: housing and utilities; mortgage/rent expense. Enter, in Line a below, the amount of the IRS Housing and Utilities Standards; mortgage/rent expense for your county and family size (this information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court) (the applicable family size consists of the number that would currently be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support); enter on Line b the total of the Average Monthly Payments for any debts secured by your home, as stated in Line 47; subtract Line b from Line a and enter the result in Line 25B. Do not enter an amount less than zero. a. b. c. IRS Housing and Utilities Standards; mortgage/rent expense Average Monthly Payment for any debts secured by your home, if any, as stated in Line 47 Net mortgage/rental expense $ $ Subtract Line b from Line a. 1,460.00 2,769.00

526.00

25B

0.00

26

Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 25A and 25B does not accurately compute the allowance to which you are entitled under the IRS Housing and Utilities Standards, enter any additional amount to which you contend you are entitled, and state the basis for your contention in the space below: Acutal costs are much higher, has pool as well

345.00

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27A

Local Standards: transportation; vehicle operation/public transportation expense. You are entitled to an expense allowance in this category regardless of whether you pay the expenses of operating a vehicle and regardless of whether you use public transportation. Check the number of vehicles for which you pay the operating expenses or for which the operating expenses are included as a contribution to your household expenses in Line 7. 0 1 2 or more. If you checked 0, enter on Line 27A the "Public Transportation" amount from IRS Local Standards: Transportation. If you checked 1 or 2 or more, enter on Line 27A the "Operating Costs" amount from IRS Local Standards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area or Census Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)

590.00

27B

Local Standards: transportation; additional public transportation expense. If you pay the operating expenses for a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction for your public transportation expenses, enter on Line 27B the "Public Transportation" amount from the IRS Local Standards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy $ court.) 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 (available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average Monthly Payments for any debts secured by Vehicle 1, as stated in Line 47; subtract Line b from Line a and enter the result in Line 28. Do not enter an amount less than zero. a. b. c. IRS Transportation Standards, Ownership Costs Average Monthly Payment for any debts secured by Vehicle 1, as stated in Line 47 Net ownership/lease expense for Vehicle 1 $ $ Subtract Line b from Line a. 496.00 199.13 $

0.00

28

296.87

29

Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you checked the "2 or more" Box in Line 28. Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation (available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average Monthly Payments for any debts secured by Vehicle 2, as stated in Line 47; subtract Line b from Line a and enter the result in Line 29. Do not enter an amount less than zero. a. b. c. IRS Transportation Standards, Ownership Costs Average Monthly Payment for any debts secured by Vehicle 2, as stated in Line 47 Net ownership/lease expense for Vehicle 2 $ $ Subtract Line b from Line a. 496.00 527.49 $ 0.00

30

Other Necessary Expenses: taxes. Enter the total average monthly expense that you actually incur for all federal, state, and local taxes, other than real estate and sales taxes, such as income taxes, self employment taxes, social security taxes, and Medicare taxes. Do not include real estate or sales taxes. Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthly deductions that are required for your employment, such as mandatory retirement contributions, union dues, and uniform costs. Do not include discretionary amounts, such as voluntary 401(k) contributions. Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for term life insurance for yourself. Do not include premiums for insurance on your dependents, for whole life or for any other form of insurance. Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are required to pay pursuant to the order of a court or administrative agency, such as spousal or child support payments. Do not include payments on past due obligations included in line 49.

2,988.00

31

68.00

32

0.00

33

0.00

34

Other Necessary Expenses: education for employment or for a physically or mentally challenged child. Enter the total average monthly amount that you actually expend for education that is a condition of employment and for education that is required for a physically or mentally challenged dependent child for whom no public education providing similar services is available. $ Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend on childcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments. $

0.00 0.00

35

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B22C (Official Form 22C) (Chapter 13) (12/10)

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36

Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend on health care that is required for the health and welfare of yourself or your dependents, that is not reimbursed by insurance or paid by a health savings account, and that is in excess of the amount entered in Line 24B. Do not include payments for health insurance or health savings accounts listed in Line 39. Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that you actually pay for telecommunication services other than your basic home telephone and cell phone service - such as pagers, call waiting, caller id, special long distance, or internet service-to the extent necessary for your health and welfare or that of your dependents. Do not include any amount previously deducted. Total Expenses Allowed under IRS Standards. Enter the total of Lines 24 through 37.

0.00

37

$ $

50.00 6,480.87

38

Subpart B: Additional Living Expense Deductions Note: Do not include any expenses that you have listed in Lines 24-37
Health Insurance, Disability Insurance, and Health Savings Account Expenses. List the monthly expenses in the categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or your dependents. 39 a. b. c. Health Insurance Disability Insurance Health Savings Account $ $ $ 822.00 0.00 0.00 $ 822.00

Total and enter on Line 39 If you do not actually expend this total amount, state your actual total average monthly expenditures in the space below: $ 40 Continued contributions to the care of household or family members. Enter the total average actual monthly expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically ill, or disabled member of your household or member of your immediate family who is unable to pay for such expenses. Do not include payments listed in Line 34.

0.00

41

Protection against family violence. Enter the total average reasonably necessary monthly expenses that you actually incur to maintain the safety of your family under the Family Violence Prevention and Services Act or other applicable federal law. The nature of these expenses is required to be kept confidential by the court. $ Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS Local Standards for Housing and Utilities that you actually expend for home energy costs. You must provide your case trustee with documentation of your actual expenses, and you must demonstrate that the additional amount claimed is reasonable and necessary. Education expenses for dependent children under 18. Enter the total average monthly expenses that you actually incur, not to exceed $147.92 per child, for attendance at a private or public elementary or secondary school by your dependent children less than 18 years of age. You must provide your case trustee with documentation of your actual expenses, and you must explain why the amount claimed is reasonable and necessary and not already accounted for in the IRS Standards. Additional food and clothing expense. Enter the total average monthly amount by which your food and clothing expenses exceed the combined allowances for food and clothing (apparel and services) in the IRS National Standards, not to exceed 5% of those combined allowances. (This information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) You must demonstrate that the additional amount claimed is reasonable and necessary. Charitable contributions. Enter the amount reasonably necessary for you to expend each month on charitable contributions in the form of cash or financial instruments to a charitable organization as defined in 26 U.S.C. 170(c)(1)-(2). Do not include any amount in excess of 15% of your gross monthly income. Total Additional Expense Deductions under 707(b). Enter the total of Lines 39 through 45.

0.00

42

0.00

43

297.00

44

50.00

45 46

$ $

325.00 1,494.00

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B22C (Official Form 22C) (Chapter 13) (12/10)

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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 creditor, identify the property securing the debt, state the Average Monthly Payment, and check whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all amounts scheduled as contractually due to each Secured Creditor in the 60 months following the filing of the bankruptcy case, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the Average Monthly Payments on Line 47. Name of Creditor Property Securing the Debt Average Does payment Monthly include taxes Payment or insurance a. City of Claremont b. F&a Federal Credit Un c. Toyota Motor Credit Co d. Wells Fargo 2006 Ford F150 with 43000 miles 2009 Toyota Camry with 30k miles 554 W. 21st Upland, CA 91784 $ $ $ $ 32.83 199.13 527.49 2,769.00 Total: Add Lines Other payments on secured claims. If any of debts listed in Line 47 are secured by your primary residence, a motor vehicle, or other property necessary for your support or the support of your dependents, you may include in your deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to the payments listed in Line 47, in order to maintain possession of the property. The cure amount would include any sums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts in the following chart. If necessary, list additional entries on a separate page. Name of Creditor Property Securing the Debt 1/60th of the Cure Amount 554 W. 21st 312.55 $ a. Wells Fargo Upland, CA 91784 Total: Add Lines Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such as priority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy filing. Do not include current obligations, such as those set out in Line 33. Chapter 13 administrative expenses. Multiply the amount in Line a by the amount in Line b, and enter the resulting administrative expense. 50 a. b. Projected average monthly Chapter 13 plan payment. Current multiplier for your district as determined under schedules issued by the Executive Office for United States Trustees. (This information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) Average monthly administrative expense of chapter 13 case $ 2,000.00
yes yes yes yes no no no no

47

3,528.45

48

312.55

49

59.87

c. 51

11.00 x Total: Multiply Lines a and b

$ $

220.00 4,120.87

Total Deductions for Debt Payment. Enter the total of Lines 47 through 50.

Subpart D: Total Deductions from Income


52 Total of all deductions from income. Enter the total of Lines 38, 46, and 51. $ 12,095.74

Part V. DETERMINATION OF DISPOSABLE INCOME UNDER 1325(b)(2)


53 54 Total current monthly income. Enter the amount from Line 20. Support income. Enter the monthly average of any child support payments, foster care payments, or disability payments for a dependent child, reported in Part I, that you received in accordance with applicable nonbankruptcy law, to the extent reasonably necessary to be expended for such child. $ 14,282.00

0.00

55 56

Qualified retirement deductions. Enter the monthly total of (a) all amounts withheld by your employer from wages as contributions for qualified retirement plans, as specified in 541(b)(7) and (b) all required repayments of loans from retirement plans, as specified in 362(b)(19). $ Total of all deductions allowed under 707(b)(2). Enter the amount from Line 52. $

303.00 12,095.74

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B22C (Official Form 22C) (Chapter 13) (12/10)

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Deduction for special circumstances. If there are special circumstances that justify additional expenses for which there is no reasonable alternative, describe the special circumstances and the resulting expenses in lines a-c below. If necessary, list additional entries on a separate page. Total the expenses and enter the total in Line 57. You must provide your case trustee with documentation of these expenses and you must provide a detailed explanation of the special circumstances that make such expense necessary and reasonable. 57 a. b. c. Nature of special circumstances Amount of Expense $ $ $ Total: Add Lines

$ $ $

0.00 12,398.74 1,883.26

58 59

Total adjustments to determine disposable income. Add the amounts on Lines 54, 55, 56, and 57 and enter the result. Monthly Disposable Income Under 1325(b)(2). Subtract Line 58 from Line 53 and enter the result.

Part VI. ADDITIONAL EXPENSE CLAIMS


Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfare of you and your family and that you contend should be an additional deduction from your current monthly income under 707(b)(2)(A)(ii)(I). If necessary, list additional sources on a separate page. All figures should reflect your average monthly expense for each item. Total the expenses. 60 a. b. c. d. Expense Description Car Insurance actual payment Monthly Amount 590.00

Total: Add Lines a, b, c and d Part VII. VERIFICATION

$ $ $ $ $

590.00

61

I declare under penalty of perjury that the information provided in this statement is true and correct. (If this is a joint case, both debtors must sign.) Date: May 9, 2011 Signature: /s/ Anthony Ramos Anthony Ramos (Debtor)

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Verification of Creditor Mailing List - (Rev. 10/05)

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2005 USBC, Central District of California

MASTER MAILING LIST Verification Pursuant to Local Bankruptcy Rule 1007-2(d)


Name Address Telephone
Christopher Hewitt 236568 2229 E. Bel Air Ln Gilbert, AZ 85234 415-265-2917 Fax: 1-877-241-6366

Attorney for Debtor(s) Debtor in Pro Per

UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA


List all names including trade names used by Debtor(s) within last 8 years:
Anthony Ramos

Case No.: Chapter:


13

VERIFICATION OF CREDITOR MAILING LIST


The above named debtor(s), or debtor's attorney if applicable, do hereby certify under penalty of perjury that the attached Master Mailing List of creditors, consisting of 5 sheet(s) is complete, correct, and consistent with the debtor's schedules pursuant to Local Rule 1007-2(d) and I/we assume all responsibility for errors and omissions. Date:
May 9, 2011 /s/ Anthony Ramos Anthony Ramos

Signature of Debtor Date:


May 9, 2011 /s/ Christopher Hewitt

Signature of Attorney
Christopher Hewitt 236568 Law Office Of Christopher Hewitt 2229 E. Bel Air Ln Gilbert, AZ 85234 415-265-2917 Fax: 1-877-241-6366

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} b k 1 { C r e d i t o A s M a x

Anthony Ramos 554 W. 21st Street Upland, CA 91784 Christopher Hewitt Law Office Of Christopher Hewitt 2229 E. Bel Air Ln Gilbert, AZ 85234 Acs/clc College Loan C 501 Bleecker St Utica, NY 13501 Bank of America PO BOX 17054 Wilmington, DE 19850 Calvary Portfolio Services Attention: Bankruptcy Department Po Box 1017 Hawthorne, NY 10532 Capital one PO BOX 30285 Salt Lake City, UT 84130 Capital One, N.a. Bankruptcy Dept Po Box 5155 Norcross, GA 30091 Chase PO BOX 15298 Wilmington, DE 19850

Case 6:11-bk-25322-CB

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City of Claremont 207 Harvard Ave Claremont, CA 91711 Collection Consultants 6100 San Fernando Rd Ste Glendale, CA 91201 Discount Tire PO BOX 941439 El Paso, TX 79998 Diversi Col 555 Mccormick St San Leandro, CA 94577 Dr Altwin PO BOX 1033 Riverside, CA 92502 Dscvr/glelsi 2401 International Madison, WI 53704 F&a Federal Credit Un 2625 Corporate Pl Monterey Park, CA 91754 Firstar c/o US Bank Bankruptcy Dept Po Box 5229 Cincinnati, OH 45201

Case 6:11-bk-25322-CB

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Ford Motor Credit Corporation National Bankruptcy Service Center Po Box 537901 Livonia, MI 48153 GEMB / Mervyns Attention: Bankruptcy Po Box 103104 Roswell, GA 30076 Household Bank 90 Christiana Road New Castle, DE 19720 Household Credit Services Po BOX 91716 City of Industry, CA 91716 Inland Valley Anestheis PO BOX 148 Claremont, CA 91711 Inter Community Medical Center 1521 W. Cameron Ave West Covina, CA 91790 IRS 5045 E. Butler Ave Fresno, CA 93888-0021 kohls/Chase PO BOX 3120 Milwaukee, WI 53201

Case 6:11-bk-25322-CB

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Lowes / MBGA Attention: Bankruptcy Department Po Box 103104 Roswell, GA 30076 National Credit Adjust Po Box 3023 Hutchinson, KS 67504 Nordstroms PO BOX 13589 Scottsdale, AZ 85267 Premier Family Medical 300 South Park Ave 5th Floor Pomona, CA 91766 Specialized Loan Services PO BOX 105 219 Atlanta, GA 30348 Toyota Motor Credit Co PO BOX 60116 City of Industry, CA 91716-0016 Toyota Motor Credit Co Must call 800-874-8822 for mailing addre Universal Fidelity PO BOX 941911 Houston, TX 77094

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US Bank PO BOX 790408 Saint Louis, MO 63166 US Bank PO BOX 108 Saint Louis, MO 63166 Wells Fargo PO BOX 54349 Los Angeles, CA 90054 Wf Fin Bank Wells Fargo Financial 4137 121st St Urbendale, IA 50323 WFFNB PO BOX 94498 Las Vegas, NV 89193

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Name Address

Christopher Hewitt Law Office Of Christopher Hewitt 2229 E. Bel Air Ln Gilbert, AZ 85234

Telephone 415-265-2917 (FAX) 1-877-241-6366 Email Address hewittesq@yahoo.com Attorney for Debtor State Bar No. 236568 Debtor(s) in Pro Se (Any reference to the singular shall include the plural in the case of joint debtors.)

UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA


List all names (including trade names) used by the debtor within the last 8 years:
Anthony Ramos

Chapter 13 Case No.

CHAPTER 13 PLAN
CREDITORS MEETING: Date: Time: Place: CONFIRMATION HEARING: 3/10/11 Date: 1:30 Time: 3420 Twelfth St., Crtrm 303, Riverside, CA Place:
92501

NOTICE
This Chapter 13 Plan is proposed by the above Debtor. The Debtor attests that the information stated in this Plan is accurate. Creditors cannot vote on this Plan. However, creditors may object to this Plan being confirmed pursuant to 11 U.S.C. 1324. Any objection must be in writing and must be filed with the court and served upon the Debtor, Debtor's attorney (if any), and the Chapter 13 Trustee not less than 7 days before the date set for the meeting of creditors. Unless an objection is filed and served, the court may confirm this Plan. The Plan, if confirmed, modifies the rights and duties of the Debtor and creditors to the treatment provided in the Plan as confirmed, with the following IMPORTANT EXCEPTIONS: Unless otherwise provided by law, each creditor will retain its lien until the earlier of payment of the underlying debt determined under non-bankruptcy law or discharge under 11 U.S.C.1328. If the case under this chapter is dismissed or converted without completion of the Plan, such lien shall also be retained by such holder to the extent recognized by applicable non-bankruptcy law. Defaults will be cured using the interest rate set forth below in the Plan. Any ongoing obligation will be paid according to the terms of the Plan.

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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F3015-1.1
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Case 6:11-bk-25322-CB
Chapter 13 Plan (Rev. 12/09) - Page 2

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2009 USBC, Central District of California

HOLDERS OF SECURED CLAIMS AND CLASS 1 CLAIMANTS WILL BE PAID ACCORDING TO THIS PLAN AFTER CONFIRMATION UNLESS THE SECURED CREDITOR OR CLASS 1 CLAIMANT FILES A PROOF OF CLAIM IN A DIFFERENT AMOUNT THAN THAT PROVIDED IN THE PLAN. If a secured creditor or a class 1 creditor files a proof of claim, that creditor will be paid according to that creditors proof of claim, unless the court orders otherwise. HOLDERS OF ALL OTHER CLAIMS MUST TIMELY FILE PROOFS OF CLAIMS, IF THE CODE SO REQUIRES, OR THEY WILL NOT BE PAID ANY AMOUNT. A Debtor who confirms a Plan may be eligible thereafter to receive a discharge of debts to the extent specified in 11 U.S.C. 1328. The Debtor proposes the following Plan and makes the following declarations: I. PROPERTY AND FUTURE EARNINGS OR INCOME SUBJECT TO THE SUPERVISION AND CONTROL OF THE CHAPTER 13 TRUSTEE: The Debtor submits the following to the supervision and control of the Chapter 13 Trustee: A. B. Payments by Debtor of $2,125.00 per month for 60 months. This monthly Plan Payment will begin within 30 days of the date the petition was filed. The base plan amount is $ 127,500.00 which is estimated to pay 30 % of the allowed claims of nonpriority unsecured creditors. If that percentage is less than 100%, the Debtor will pay the Plan Payment stated in this Plan for the full term of the Plan or until the base plan amount is paid in full, and the Chapter 13 Trustee may increase the percentage to be paid to creditors accordingly. Amounts necessary for the payment of post-petition claims allowed under 11 U.S.C. 1305. Preconfirmation adequate protection payments for any creditor who holds an allowed claim secured by personal property where such security interest is attributable to the purchase of such property and preconfirmation payments on leases of personal property whose allowed claim is impaired by the terms proposed in the plan. Preconfirmation adequate protection payments and preconfirmation lease payments will be paid to the Chapter 13 Trustee for the following creditor(s) in the following amounts: Collateral Description
2006 Ford F150 with 43000 miles

C. D.

Creditor/Lessor Name
F&a Federal Credit Un

Last 4 Digits of Account #


xxxxxx1700

Amount
$132.00

Each adequate protection payment or preconfirmation lease payment will commence on or before the 30th day from the date of filing of the case. The Chapter 13 Trustee shall deduct the foregoing adequate protection payment(s) and/or preconfirmation lease payment from the Debtors Plan Payment and disburse the adequate protection payment or preconfirmation lease payment to the secured(s) creditor(s) at the next available disbursement or as soon as practicable after the payment is received and posted to the Chapter 13 Trustees account. The Chapter 13 Trustee will take his or her statutory fee on all disbursements made for preconfirmation adequate protection payments or preconfirmation lease payments. E. Other property: (specify property or indicate none)
NONE

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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2009 USBC, Central District of California

II.

ORDER OF PAYMENTS; CLASSIFICATION AND TREATMENT OF CLAIMS: Except as otherwise provided in the plan or by court order, the Chapter 13 Trustee shall disburse all available funds for the payment of claims as follows: A. ORDER OF PAYMENTS: 1. If there are Domestic Support Obligations, the order of priority shall be: (a) Domestic Support Obligations and the Chapter 13 Trustees fee not exceeding the amount accrued on payments made to date; (b) Administrative expenses (Class 1(a)) in an amount not exceeding paid in full; % of each Plan Payment until

2. If there are no Domestic Support Obligations, the order of priority shall be the Chapter 13 Trustees fee not exceeding the amount accrued on payments made to date, and administrative expenses (Class 1(a)) in an amount not exceeding % of each Plan Payment until paid in full. 3. Notwithstanding 1 and 2 above, ongoing payments on secured debts that are to be made by the Chapter 13 Trustee from the Plan Payment; such secured debt may be paid by the Chapter 13 Trustee commencing with the inception of Plan Payments. 4. Subject to 1, 2, and 3 above, pro rata to all other claims except as otherwise provided in the Plan. 5. No payment shall be made on nonpriority unsecured claims until all secured and priority claims have been paid in full.

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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Chapter 13 Plan (Rev. 12/09) - Page 4

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2009 USBC, Central District of California

B.

CLASSIFICATION AND TREATMENT OF CLAIMS: CLASS 1 ALLOWED UNSECURED CLAIMS ENTITLED TO PRIORITY UNDER 11 U.S.C. 507

The Debtor will pay Class 1 claims in full; except the debtor may provide for less than full payment of Domestic Support Obligations pursuant to 11 U.S.C. 1322(a)(4). CATEGORY a. Administrative Expenses (1) (2) (3) (4) Chapter 13 Trustees Fee estimated at 11% of all payments to be made to all classes through this Plan. Attorneys Fees Chapter 7 Trustees Fees Other
$2,000.00 $1,000.00 2 $2,000.00

AMOUNT OF PRIORITY CLAIM

INTEREST RATE, if any

MONTHLY PAYMENT

NUMBER OF MONTHS

TOTAL PAYMENT

b. Other Priority Claims (1) (2) (3) (4) Internal Revenue Service Franchise Tax Board Domestic Support Obligation Other
IRS $3,592.00 0% $1,197.33 3 $3,592.00

c.

Domestic Support Obligations that are not to be paid in full in the Plan (Specify Creditor Name):

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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CLASS 2

Desc
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2009 USBC, Central District of California

CLAIMS SECURED SOLELY BY PROPERTY THAT IS THE DEBTORS PRINCIPAL RESIDENCE ON WHICH OBLIGATION MATURES AFTER THE FINAL PLAN PAYMENT IS DUE 1. The post-confirmation monthly mortgage payment will be made by the Chapter 13 Trustee from the Plan Payment to: 2. The post-confirmation monthly mortgage payment will be made by the Debtor directly to: (name of creditor) (last 4 digits of account number)

(name of creditor)

(last 4 digits of account number)

The Debtor will cure all prepetition arrearages for the primary residence through the Plan Payment as set forth below.

Cure of Default
Name of Creditor Last Four Digits of Account Number AMOUNT OF ARREARAGE INTEREST RATE MONTHLY PAYMENT NUMBER OF MONTHS TOTAL PAYMENT

CLASS 3 CLAIMS SECURED BY REAL OR PERSONAL PROPERTY WHICH ARE PAID IN FULL DURING THE TERM OF THE PLAN Last Four Digits of Account No.
xxxxxx1700 Ref code RBWHVLCX

Name of Creditor

CLAIM TOTAL

SECURED CLAIM AMOUNT


$13,208.00 $0.00

INTEREST RATE

Equal Monthly Payment


$250.77 $0.00

NUMBER OF MONTHS
60 0

TOTAL PAYMENT

F&a Federal Credit Un City of Claremont

$13,208.00 $2,287.00

5.25 0.00

$15,046.02 $0.00

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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CLASS 4

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2009 USBC, Central District of California

OTHER SECURED CLAIMS ON WHICH THE LAST PAYMENT IS DUE AFTER THE DATE ON WHICH THE FINAL PAYMENT UNDER THE PLAN IS DUE 1. The post-confirmation monthly payment pursuant to the promissory note will be made by the Chapter 13 Trustee from the Plan Payment to: 2. The post-confirmation monthly payment pursuant to the promissory note will be made by the Debtor directly to:
Wells Fargo xxxxxxxxx4887

(name of creditor)

(last 4 digits of account number)

The Debtor will cure all prepetition arrearages on these claims through the Plan Payment as set forth below.

Cure of Default
Name of Creditor Wells Fargo Last Four Digits of Account Number xxxxxxxxx4887 AMOUNT OF ARREARAGE $18,753.00 INTEREST RATE 0 MONTHLY PAYMENT $1,442.54 NUMBER OF MONTHS 13 TOTAL PAYMENT $18,753.00

CLASS 5 NON-PRIORITY UNSECURED CLAIMS Debtor estimates that non-priority unsecured claims total the sum of $255,115.00 . Class 5 claims will be paid as follows: (Check one box only.) Class 5 claims (including allowed unsecured amounts from Class 3) are of one class and will be paid pro rata. OR Class 5 claims will be divided into subclasses as shown on the attached exhibit directly below (which also shows the justification for the differentiation among the subclasses) and the creditors in each subclass will be paid pro rata.

III.

COMPARISON WITH CHAPTER 7

The value as of the effective date of the Plan of property to be distributed under the Plan on account of each allowed claim is not less than the amount that would be paid on such claim if the estate of the Debtor were liquidated under chapter 7 of the Bankruptcy Code on such date. The amount distributed to nonpriority unsecured creditors in chapter 7 would be $ 0.00 which is estimated to pay 0 % of the scheduled nonpriority unsecured debt.

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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F3015-1.1
Best Case Bankruptcy

Case 6:11-bk-25322-CB
Chapter 13 Plan (Rev. 12/09) - Page 7

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2009 USBC, Central District of California

IV.

PLAN ANALYSIS

CLASS 1a CLASS 1b CLASS 1c CLASS 2 CLASS 3 CLASS 4 CLASS 5 SUB-TOTAL CHAPTER 13 TRUSTEE'S FEE (Estimated 11% unless advised otherwise) TOTAL PAYMENT V. OTHER PROVISIONS

$2,000.00 $3,592.00 $0.00 $0.00 $15,046.02 $18,753.00 $75,473.58 $114,864.60 $12,635.40 $127,500.00

A. The Debtor rejects the following executory contracts and unexpired leases. Name of Other Party: Description of contract/lease:
-NONE-

B. The Debtor assumes the executory contracts or unexpired leases set forth in this section. As to each contract or lease assumed, any defaults therein and Debtors proposal for cure of said default(s) is described in Class 4 of this Plan. The Debtor has a leasehold interest in personal property and will make all post-petition payments directly to the lessor(s): Name of Other Party: Description of contract/lease:
-NONE-

C. In addition to the payments specified in Class 2 and Class 4, the Debtor will make regular payments, including any preconfirmation payments, directly to the following: Creditor Name: Monthly Payment:
Toyota Motor Credit Co $688.03

D. The Debtor hereby surrenders the following personal or real property. (Identify property and creditor to which it is surrendered.) Description: Creditor Name:
-NONE-

E. The Debtor shall incur no debt greater than $500.00 without prior court approval unless the debt is incurred in the ordinary course of business pursuant to 11 U.S.C. 1304(b) or for medical emergencies. F. Miscellaneous provisions: (Use Attachment, if necessary) G. The Chapter 13 Trustee is authorized to disburse funds after the date confirmation is announced in open court. H. The Debtor will pay timely all post-confirmation tax liabilities directly to the appropriate taxing authorities as they come due. I. The Debtor will pay all amounts required to be paid under a Domestic Support Obligation that first became payable after the date of the filing of the petition.

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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VI.

REVESTING OF PROPERTY Property of the estate shall not revest in the Debtor until such time as a discharge is granted or the case is dismissed or closed without discharge. Revestment shall be subject to all liens and encumbrances in existence when the case was filed, except those liens avoided by court order or extinguished by operation of law. In the event the case is converted to a case under chapter 7, 11, or 12 of the Bankruptcy Code, the property of the estate shall vest in accordance with applicable law. After confirmation of the Plan, the Chapter 13 Trustee shall have no further authority or fiduciary duty regarding use, sale, or refinance of property of the estate except to respond to any motion for proposed use, sale, or refinance as required by the Local Bankruptcy Rules. Prior to any discharge or dismissal, the Debtor must seek approval of the court to purchase, sell, or refinance real property.

Dated:

May 9, 2011

/s/ Christopher Hewitt Christopher Hewitt 236568

Attorney for Debtor(s)


/s/ Anthony Ramos Anthony Ramos

Debtor

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California. Revised December 2009
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Attorney or Party Name, Address, Telephone & FAX Numbers, and California State Bar Number

Christopher Hewitt Law Office Of Christopher Hewitt 2229 E. Bel Air Ln Gilbert, AZ 85234 415-265-2917 Fax: 1-877-241-6366 California State Bar Number: 236568
Attorney for Debtor

UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA


In re

CHAPTER 13 CASE NUMBER

Anthony Ramos

RIGHTS AND RESPONSIBILITIES AGREEMENT BETWEEN CHAPTER 13 DEBTORS AND THEIR ATTORNEYS
Debtor(s).

It is important for Debtors who file a chapter 13 bankruptcy case to understand their rights and responsibilities. It is also important for Debtors to know what their attorneys' responsibilities are and to communicate carefully with their attorneys to make the case successful. Debtors also are entitled to expect certain services to be performed by their attorneys. In order to assure that Debtors and their attorneys understand their rights and responsibilities in the bankruptcy process, the following rights and responsibilities have been adopted by the court. The signatures below indicate that the responsibilities outlined in the agreement have been accepted by the Debtors and their attorneys. Nothing in this agreement is intended to modify, enlarge or abridge the rights and responsibilities of a "debt relief agency," as that term is defined and used in 11 U.S.C. 101, et. seq. Any attorney retained to represent a Debtor in a chapter 13 case is responsible for representing the Debtor on all matters arising in the case, other than adversary proceedings, unless otherwise ordered by the court. The attorney may not withdraw absent a consensual withdrawal or substitution of counsel or approval by the court of a motion for withdrawal or substitution of counsel considered after notice and a hearing. When appropriate, the attorney may apply to the court for compensation additional to the maximum initial fees set forth below in this agreement. BEFORE THE CASE IS FILED, THE DEBTOR AGREES TO: 1. 2. 3. Discuss with the attorney the Debtor's objectives in filing the case. Timely provide the attorney with accurate information, financial and otherwise. Timely provide the attorney with all documentation requested by the attorney, including but not limited to, true and correct copies of the following documents*: a. Certificate of Credit Counseling, together with the debt repayment plan, if any, prepared by the nonprofit budget and credit counseling agency that provided individual counseling services to the debtor prior to bankruptcy. Proof of income from all sources received during the period of 7 months before the date of the filing of the petition, including but not limited to paycheck stubs, Social Security statements, workers compensation, rental, pension, disability, and self-employment income, and other payment advices. For businesses, the Debtor should provide report(s) disclosing monthly income and expenses for the period of 6 months before the date of the filing of the petition. Proof of ability to pay from any person contributing income to the case.

b.

c.
January 2009

This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California.

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CASE NUMBER

d. e. f. g.

Federal and state income tax returns, or transcripts of such returns, for the most recent tax year ending immediately before the commencement of the case. Proof of the debtors identity, including a drivers license, passport, or other document containing a photograph of the debtor. A record of the debtors interest, if any, in an educational individual retirement account or under a qualified State tuition program. The name, address and telephone number of any person or state agency to whom the Debtor owes back child or spousal support, the name, address and telephone number of any person or state agency to whom the Debtor makes current child or spousal support payments and all supporting documents for the child or spousal support payments. Examples of supporting documents are a court order, declaration of voluntary support payments, separation agreement, divorce decree and a property settlement agreement. Insurance policies owned by the debtor, including homeowners insurance, business insurance, automobile insurance, fire insurance, flood insurance, earthquake insurance, and credit life insurance.

h.

* All documents submitted to the attorney must be copies as the documents will not be returned to the Debtor. AFTER THE CASE IS FILED, THE DEBTOR AGREES TO: 1. 2. 3. 4. 5. Timely make the required monthly payments. Comply with the chapter 13 rules and procedures. Keep the chapter 13 trustee and attorney informed of the Debtors current address and telephone number, and the Debtors employment status. Sign a payroll deduction order, if one is required. Inform the attorney of any change in the Debtors marital status, the commencement of any child support or spousal support obligation, or a change in any existing child support or spousal support obligation. Inform the attorney of any wage garnishments or liens or levies on assets that occur or continue after the filing of the case. Contact the attorney promptly if the Debtor loses his or her job, encounters other new or unexpected financial problems, if the Debtors income increases, or if the Debtor receives, or learns of the right to receive, money or other proceeds of an inheritance or legal action. Timely inform the attorney of any change in a creditors address or payment amount. Keep records of all mortgage, vehicle and personal property payments made to all secured creditors during the case. Provide the attorney with any federal tax returns or transcripts requested pursuant to 11 U.S.C. 521(f).
This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California. January 2009
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6. 7.

8. 9. 10.

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11. 12. 13. 14.

Contact the attorney promptly if the Debtor is sued during the case or if the Debtor commences a lawsuit or intends to settle any dispute. Inform the attorney if any tax refunds to which the Debtor is entitled are seized or not received when expected by the Debtor from the IRS or Franchise Tax Board. Contact the attorney promptly before buying, refinancing, or selling real property, and before incurring substantial additional debt. Pay directly to the attorney any filing fees.

BEFORE THE CASE IS FILED, THE ATTORNEY AGREES TO PROVIDE AT LEAST THE FOLLOWING LEGAL SERVICES: As used herein, the term "Personally" means that the described service shall be performed only by an attorney who is a member in good standing of the State Bar of California and admitted to practice before this court. The service shall not be performed by a non-attorney even if such individual is employed by the attorney and under the direct supervision and control of such attorney. 1. 2. 3. 4. 5. 6. 7. Personally meet with the Debtor to review the Debtor's assets, liabilities, income, and expenses. Personally counsel the Debtor regarding the advisability of filing either a chapter 13 or a chapter 7 case, discuss both procedures with the Debtor, and answer the Debtor's questions. Personally review with the Debtor the completed petition, plan, statements, and schedules, as well as all amendments thereto, whether filed with the petition or later. Personally explain to the Debtor that the attorney is being engaged to represent the Debtor on all matters arising in the case, as required by Local Bankruptcy Rule 3015-1(t). Personally explain to the Debtor how and when the attorneys fees and the trustees fees are determined and paid, and provide an executed copy of this document to the Debtor. Timely prepare and file the Debtors petition, plan, statements, schedules, and required documents and certificates. Explain which payments must be made directly to creditors by the Debtor and which payments will be made through the Debtor's chapter 13 plan, with particular attention to mortgage and vehicle loan or lease payments. Explain to the Debtor how, when, and where to make the chapter 13 plan payments. Explain to the Debtor how, when, and where to make postpetition mortgage, mobile home, manufactured home, and vehicle loan and lease payments. Advise the Debtor of the necessity to maintain appropriate insurance, including homeowners insurance and liability, collision and comprehensive insurance on vehicles securing loans or leases.

8. 9. 10.

AFTER THE CASE IS FILED, THE ATTORNEY AGREES TO PROVIDE AT LEAST THE FOLLOWING
This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California. January 2009
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LEGAL SERVICES: 1. Advise the Debtor of the requirement to attend the 341(a) meeting of creditors, and instruct the Debtor as to the date, time, and place of the meeting. In the case of a joint filing, inform the Debtor that both spouses must appear. Inform the Debtor that the Debtor must be punctual for the 341(a) meeting of creditors. "Punctual" means that the attorney and the debtor(s) must be present in time for check-in. After checking in, if the attorney finds it necessary to request second call, the attorney and the debtor(s) must be present for examination before the end of the calendar. Attend the 341(a) meetings and any court hearing, either personally or through another attorney from the attorneys firm or through an appearance attorney who has been adequately briefed on the case. Advise the Debtor if an appearance attorney will appear on the Debtors behalf at the 341(a) meeting or any court hearing, and explain to the Debtor in advance, if possible, the role and identity of the appearance attorney. In any event, the attorney is responsible to prepare adequately the appearance attorney in a timely fashion and to furnish the appearance attorney with all necessary documents, hearing notes, and other necessary information in sufficient time to allow for review of such information and proper representation of the Debtor. Timely serve the plan and mandatory notice on all creditors. Timely submit to the chapter 13 trustee properly documented proof of all sources of income for the Debtor, including business reports and supporting documentation required by Local Bankruptcy Rules. Timely respond to objections to plan confirmation and, where necessary, prepare, file, and serve an amended plan. Timely prepare, file, and serve any necessary amended statements and schedules and any change of address, in accordance with information provided by the Debtor. Monitor all incoming case information throughout the case (including, but not limited to, Order Confirming Plan, Notice of Intent to Pay Claims, and the chapter 13 trustees status reports) for accuracy and completeness. Contact the trustee promptly regarding any discrepancies. Review the claims register and the chapter 13 trustees notice of intent to pay claims after entry of a plan confirmation order. File objections to improper or invalid claims, when appropriate. Prepare and file a proof of claim, when appropriate, if a creditor fails to do so. Prepare, file, and serve timely motions to modify the plan after confirmation, when necessary. Prepare, file, and serve motions to buy, sell, or refinance real or other property, when appropriate. Prepare, file, and serve any other motion that may be necessary to appropriately represent the Debtor in the case, including but not limited to, motions to impose or extend the automatic stay.
This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California. January 2009
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2.

3.

4.

5. 6.

7. 8. 9.

10. 11. 12. 13. 14. 15.

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CASE NUMBER

16. 17. 18. 19. 20.

Timely respond to all motions filed by the chapter 13 trustee, and represent the Debtor in response to all other motions filed in the case, including but not limited to, motions for relief from stay. When appropriate, prepare, file, and serve motions to avoid liens on real or personal property, and motions to value the collateral of secured creditors. Be available to respond to the Debtors questions throughout the term of the plan, and provide such other legal services as are necessary for the administration of the case before the bankruptcy court. Represent the Debtor at a discharge hearing, if required. If not representing the Debtor in adversary proceedings, assist the Debtor in obtaining competent counsel to represent the Debtor in any adversary proceeding filed in the case.

ALLOWANCE AND PAYMENT OF ATTORNEYS' FEES AND COSTS: The guidelines in this district for payment of costs incurred in performing the services described in bold face type in this agreement ("included Costs") and attorneys' fees in chapter 13 cases without a detailed fee application provide for the following maximum Included Costs and fees for the services described in this agreement in bold face type (that is, the services described on pages 3 through 5 of this agreement): $4,500 (excluding the petition filing fee) in cases where the Debtor is engaged in a business; or $4,000 (excluding the petition filing fee) in all other cases. In this case the parties agree that the Included Costs (excluding the petition filing fee) and fee for the services described in bold face type in this agreement will be $ 2,500.00 . Other than the initial retainer, the attorney may not receive fees directly from the Debtor prior to confirmation. All other fees due through confirmation shall be paid through the plan unless otherwise ordered by the court. If the attorney performs tasks on behalf of the Debtor not set forth in bold face, the attorney may apply to the court for additional fees and costs, but such applications will be reviewed by both the chapter 13 trustee and the court. The attorney agrees to charge for such additional services at the rate of $ 200 per hour. The attorney agrees to give the Debtor written notice of any change in the hourly rate prior to rendering additional services. Alternatively, the attorney may charge a reasonable flat fee for some specified service(s). In either event, the attorney shall disclose to the court in the fee application any fees paid or costs reimbursed by the Debtor and the source of those payments. The attorney may receive fees for such additional services directly from the Debtor. Any fees received directly from the Debtor will be deposited in the attorneys trust account until a fee application is approved by the court. If the Debtor disputes the legal services provided or the fees charged by the attorney, the Debtor may file an objection with the court and request a hearing. Should the representation of the Debtor create a hardship, the attorney may seek a court order allowing the attorney to withdraw from the case. The Debtor may discharge the attorney at any time. Debtor's Signature. The Debtors signature below certifies that the Debtor has read, understands and agrees to the best of his or her ability to carry out the terms of this agreement, agrees to the scope of this agreement, and has received a signed copy of this agreement. Attorney's Signature. The attorneys signature below certifies that before the case was filed the attorney personally met with, counseled, and explained the foregoing matters to the Debtor and verified the number and status of any prior bankruptcy case(s) filed by the Debtor or any related entity, as set forth in Local Bankruptcy Rule 1015-2. This agreement does not constitute the written fee agreement contemplated by the
This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California. January 2009
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In re Anthony Ramos Debtor(s).

CASE NUMBER

California Business & Professions Code.


/s/ Anthony Ramos May 9, 2011

Debtor
/s/ Christopher Hewitt

Date
May 9, 2011

Attorney

Date

This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California. January 2009
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United States Bankruptcy Court


Central District of California
In re Anthony Ramos Debtor(s) Case No. Chapter 13

DEBTOR'S CERTIFICATION OF EMPLOYMENT INCOME PURSUANT TO 11 U.S.C. 521 (a)(1)(B)(iv)


Please fill out the following blank(s) and check the box next to one of the following statements: I, Anthony Ramos , the debtor in this case, declare under penalty of perjury under the laws of the United States of America that: I have attached to this certificate copies of my pay stubs, pay advices and/or other proof of employment income for the 60-day period prior to the date of the filing of my bankruptcy petition. (NOTE: the filer is responsible for blacking out the Social Security number on pay stubs prior to filing them.) I was self-employed for the entire 60-day period prior to the date of the filing of my bankruptcy petition, and received no payment from any other employer. I was unemployed for the entire 60-day period prior to the date of the filing of my bankruptcy petition.

I,

, the debtor in this case, declare under penalty of perjury under the laws of the United States of America that: I have attached to this certificate copies of my pay stubs, pay advices and/or other proof of employment income for the 60-day period prior to the date of the filing of my bankruptcy petition. (NOTE: the filer is responsible for blacking out the Social Security number on pay stubs prior to filing them.) I was self-employed for the entire 60-day period prior to the date of the filing of my bankruptcy petition, and received no payment from any other employer. I was unemployed for the entire 60-day period prior to the date of the filing of my bankruptcy petition.

Date May 4, 2011

Signature

/s/ Anthony Ramos Anthony Ramos

Debtor

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B9I (Official Form 9I) (Chapter 13 Case) (12/10)

UNITED STATES BANKRUPTCY COURT Central District Of California Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines
The debtor(s) listed below filed a Chapter 13 bankruptcy case on May 9, 2011. You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights. All documents filed in the case may be inspected at the bankruptcy clerk's office at U. S. Bankruptcy Court, 3420 Twelfth Street, Riverside, CA 925013819 NOTE: The staff of the bankruptcy clerk's office cannot give legal advice.

See Reverse Side For Important Explanations


Debtor(s) (name(s) and address): Anthony Ramos 554 W. 21st Street Upland, CA 91784 All other names used by the Debtor(s) in the last 8 years (include married, maiden, and trade names): Debtor: Joint Debtor: Attorney for Debtor(s) (name and address): Christopher Hewitt Law Office of Christopher Hewitt 2229 E Bel Air Ln Gilbert, AZ 82234 Telephone number: 4152652917 Case Number:

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Last four digits of Social Security or Individual TaxpayerID (ITIN) No(s)./Complete EIN: Dbt SSN: xxxxx7594 Bankruptcy Trustee (name and address): Amrane (RS) Cohen (TR) 770 The City Dr So Ste #3300 Orange, CA 92868 Telephone number: 7146210200

Meeting of Creditors:
Date: June 23, 2011 Location: 3685 Main Street, 2nd Floor, Riverside., CA 92501 Time: 08:00 AM

Deadlines:
Papers must be received by the bankruptcy clerk's office by the following deadlines: Deadline to File a Proof of Claim: For all creditors (except a governmental unit): September 21, 2011 For a governmental unit: (except as otherwise provided in Fed. R. Bankr. P. 3002 (c)(1)): November 7, 2011 Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: August 22, 2011 Deadline to Object to Exemptions: Thirty (30) days after the conclusion of the meeting of creditors. Creditor with a Foreign Address: A creditor to whom this notice is sent at a foreign address should read the information under "Claims" on the reverse side.

Hearing on Confirmation of Plan:


Date: June 23, 2011 Time: 01:30 PM Location: 3420 Twelfth St., Crtrm 303, Riverside, CA 92501 The plan or a summary of the plan will be sent separately by the debtor.

Creditors May Not Take Certain Actions:


In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor, the debtor's property, and certain codebtors. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized. Consult a lawyer to determine your right in this case. Address of the Bankruptcy Clerk's Office: 3420 Twelfth Street, Riverside, CA 925013819 Telephone number: 9517741000 Hours Open: 9:00 AM 4:00 PM
(Form rev. 12/10:341B9I)

For the Court: Clerk of the Bankruptcy Court: Kathleen J. Campbell Date: May 10, 2011 /

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EXPLANATIONS
Filing of Chapter 13 Bankruptcy Case

B9I (Official Form 9I) (12/10)

A bankruptcy case under Chapter 13 of the Bankruptcy Code (title 11, United States Code) has been filed in this court by the debtor(s) listed on the front side, and an order for relief has been entered. Chapter 13 allows an individual with regular income and debts below a specified amount to adjust debts pursuant to a plan. A plan is not effective unless confirmed by the bankruptcy court. You may object to confirmation of the plan and appear at the confirmation hearing. The plan or a summary of the plan will be sent separately by the debtor, and the confirmation hearing will be on the date indicated on the front of this notice. The debtor will remain in possession of the debtor's property and may continue to operate the debtor's business if any unless the court orders otherwise. The staff of the bankruptcy clerk's office cannot give legal advice. Consult an attorney to determine your rights in this case.

Legal Advice

Creditors Generally Prohibited collection actions against the debtor and certain codebtors are listed in Bankruptcy Code 362 and 1301. May Not Take Certain Common examples of prohibited actions include contacting the debtor by telephone, mail or otherwise to demand Actions repayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor's property; starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor's wages. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to exceed or impose a stay. Meeting of Creditors A meeting of creditors is scheduled for the date, time, and location listed on the front side. The debtor (both spouses in a joint case) must be present at the meeting to be questioned under oath by the trustee and by creditors. Creditors are welcome to attend, but are not required to do so. The meeting may be continued and concluded at a later date without further notice. A Proof of Claim is a signed statement describing a creditor's claim. If a Proof of Claim form is not included with this notice, you can obtain one at any bankruptcy clerk's office. A secured creditor retains rights in its collateral regardless of whether that creditor files a Proof of Claim. If you do not file a Proof of Claim by the "Deadline to File a Proof of Claim" listed on the front side, you might not be paid any money on your claim from other assets in the bankruptcy case. To be paid you must file a Proof of Claim even if your claim is listed in the schedules filed by the debtor. Filing a Proof of Claim submits the creditor to the jurisdiction of the bankruptcy court, with consequences a lawyer can explain. For example, a secured creditor who files a Proof of Claim may surrender important nonmonetary rights, including the right to a jury trial. Filing Deadline for a Creditor with a Foreign Address: The deadlines for filing claims set forth on the front of this notice apply to all creditors. If this notice has been mailed to a creditor at a foreign address, the creditor may file a motion requesting the court to extend the deadline. The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you may never try to collect the debt from the debtor. If you believe that the debtor is not entitled to a discharge under Bankruptcy Code 1328(f), you must file a motion objecting to discharge in the bankruptcy clerk's office by the "Deadline to Object to Debtor's Discharge or to Challenge the Dischargeability of Certain Debts" listed on the front of this form. If you believe that a debt owed to you is not dischargeable under Bankruptcy Code 523(a)(2) or (4), you must file a complaint in the bankruptcy clerk's office by the same deadline. The bankruptcy clerk's office must receive the motion or the complaint and any required filing fee by that deadline. The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributed to creditors, even if the debtor's case is converted to Chapter 7. The debtor must file a list of all property claimed as exempt. You may inspect that list at the bankruptcy clerk's office. If you believe that an exemption claimed by the debtor is not authorized by law, you may file an objection to that exemption. The bankruptcy clerk's office must receive the objection by the "Deadline to Object to Exemptions" listed on the front side. The U.S. Trustee requires that individual debtors must provide to the trustee at the meeting of creditors an original picture ID and proof of SSN. Failure to do so may result in the U.S. Trustee bringing a motion to dismiss the case. Permissible forms of ID include a valid state driver's license, government or stateissued picture ID, student ID, military ID, U.S. Passport or legal resident alien card. Proof of SSN includes Social Security Card, current W2 form, pay stub, IRS Form 1099, Social Security Administration Report, or other official document which indicates name and SSN. Appearance by debtor(s) and the attorney for the debtor(s) is required at both the Section 341(a) meeting and the confirmation hearing. Unexcused failure by the debtor(s) to appear at either the Section 341(a) meeting and/or the confirmation hearing may result in dismissal of the case.

Claims

Discharge of Debts

Exempt Property

Proof of Debtor Identification (ID) and Proof of Social Security Number (SSN) Failure to Appear at the Section 341(a) Meeting and Hearing of Confirmation of Chapter 13 Plan Bankruptcy Clerk's Office

Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk's office at the U. S. Bankruptcy Court, 3420 Twelfth Street, Riverside, CA 925013819 You may inspect all papers filed, including the list of the debtor's property and debts and the list of the property claimed as exempt, at the bankruptcy clerk's office at the address listed above. Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this case. Any questions or information relating to bankruptcy fraud or abuse should be addressed to the Fraud Complaint Coordinator, Office of the United States Trustee, 3685 Main Street, Suite 300, Riverside, CA 92501.

Creditor with a Foreign Address Bankruptcy Fraud and Abuse

Refer to Other Side for Important Deadlines and Notices

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NOTICE OF STANDING ORDER RE: TIME OF CHAPTER 13 CONFIRMATION HEARING RIVERSIDE DIVISION CASES
Pursuant to standing order entered by the court, notice is hereby given that the Riverside Division will hold the hearings on confirmation of Chapter 13 plans on the same date as the meetings of creditors required under 11 U.S.C. Section 341(a). Any party in interest who objects to that timing of the confirmation hearing shall file a written objection thereto at least 20 calendar days before the scheduled confirmation hearing. The objecting party shall file the objection with the Court and serve it on the debtor, debtor's counsel, Chapter 13 trustee, and on any creditor who has filed an objection to confirmation, filed a request for special notice, or holds a security interest in the real property of the debtor. If a timely objection is received, the Court will reschedule the confirmation hearing.

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United States Bankruptcy Court Central District of California In re: Anthony Ramos Debtor
District/off: 0973-6

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Case No. 11-25322-CB Chapter 13

CERTIFICATE OF NOTICE
User: tgoinsC Form ID: b9i Page 1 of 2 Total Noticed: 40 Date Rcvd: May 10, 2011

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on May 12, 2011. db +Anthony Ramos, 554 W. 21st Street, Upland, CA 91784-1415 aty +Christopher Hewitt, Law Office of Christopher Hewitt, 2229 E Bel Air Ln, Gilbert, AZ 85234-8525 tr +Amrane (RS) Cohen (TR), 770 The City Dr So Ste #3300, Orange, CA 92868-6922 29299647 +Acs/clc College Loan C, 501 Bleecker St, Utica, NY 13501-2401 29299649 +Calvary Portfolio Services, Attention: Bankruptcy Department, Po Box 1017, Hawthorne, NY 10532-7504 29299653 +City of Claremont, 207 Harvard Ave, Claremont, CA 91711-4719 29299654 +Collection Consultants, 6100 San Fernando Rd Ste, Glendale, CA 91201-2247 29299655 Discount Tire, PO BOX 941439, El Paso, TX 79998 29299656 +Diversi Col, 555 Mccormick St, San Leandro, CA 94577-1107 29299657 +Dr Altwin, PO BOX 1033, Riverside, CA 92502-1033 29299658 +Dscvr/glelsi, 2401 International, Madison, WI 53704-3121 29299659 +F&a Federal Credit Un, 2625 Corporate Pl, Monterey Park, CA 91754-7645 29299664 +Household Credit Services, Po BOX 91716, City of Industry, CA 91715-1716 29299665 +Inland Valley Anestheis, PO BOX 148, Claremont, CA 91711-0148 29299666 +Inter Community Medical Center, 1521 W. Cameron Ave, West Covina, CA 91790-2738 29299670 +National Credit Adjust, Po Box 3023, Hutchinson, KS 67504-3023 29299672 +Premier Family Medical, 300 South Park Ave 5th Floor, Pomona, CA 91766-1501 29299673 +Specialized Loan Services, PO BOX 105 219, Atlanta, GA 30348-5219 29299660 ++US BANK, PO BOX 5229, CINCINNATI OH 45201-5229 (address filed with court: Firstar, c/o US Bank Bankruptcy Dept, Po Box 5229, Cincinnati, OH 45201) 29299678 ++US BANK, PO BOX 5229, CINCINNATI OH 45201-5229 (address filed with court: US Bank, PO BOX 108, Saint Louis, MO 63166) 29299677 ++US BANK, PO BOX 5229, CINCINNATI OH 45201-5229 (address filed with court: US Bank, PO BOX 790408, Saint Louis, MO 63166) 29299676 +Universal Fidelity, PO BOX 941911, Houston, TX 77094-8911 29299681 +WFFNB, PO BOX 94498, Las Vegas, NV 89193-4498 Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center. smg EDI: EDD.COM May 11 2011 02:08:00 Employment Development Dept., Bankruptcy Group MIC 92E, P.O. Box 826880, Sacramento, CA 94280-0001 smg EDI: CALTAX.COM May 11 2011 02:08:00 Franchise Tax Board, Bankruptcy Section MS: A-340, P.O. Box 2952, Sacramento, CA 95812-2952 29299648 +EDI: BANKAMER2.COM May 11 2011 02:08:00 Bank of America, PO BOX 17054, Wilmington, DE 19850-7054 29299651 EDI: CAPITALONE.COM May 11 2011 02:08:00 Capital One, N.a., Bankruptcy Dept, Po Box 5155, Norcross, GA 30091 29302403 EDI: BLINE.COM May 11 2011 02:08:00 CR Evergreen II, LLC, MS 550, PO Box 91121, Seattle, WA 98111-9221 29299650 +EDI: CAPITALONE.COM May 11 2011 02:08:00 Capital one, PO BOX 30285, Salt Lake City, UT 84130-0285 29299652 +EDI: CHASE.COM May 11 2011 02:08:00 Chase, PO BOX 15298, Wilmington, DE 19850-5298 29299661 EDI: FORD.COM May 11 2011 02:08:00 Ford Motor Credit Corporation, National Bankruptcy Service Center, Po Box 537901, Livonia, MI 48153 29299662 +EDI: RMSC.COM May 11 2011 02:08:00 GEMB / Mervyns, Attention: Bankruptcy, Po Box 103104, Roswell, GA 30076-9104 29299663 +EDI: HFC.COM May 11 2011 02:08:00 Household Bank, 90 Christiana Road, New Castle, DE 19720-3187 29299667 EDI: IRS.COM May 11 2011 02:08:00 IRS, 5045 E. Butler Ave, Fresno, CA 93888-0021 29299669 +EDI: RMSC.COM May 11 2011 02:08:00 Lowes / MBGA, Attention: Bankruptcy Department, Po Box 103104, Roswell, GA 30076-9104 29299671 +E-mail/Text: bnc@nordstrom.com May 11 2011 02:12:59 Nordstroms, PO BOX 13589, Scottsdale, AZ 85267-3589 29299674 EDI: TFSR.COM May 11 2011 02:08:00 Toyota Motor Credit Co, PO BOX 60116, City of Industry, CA 91716-0016 29299679 +EDI: WFFC.COM May 11 2011 02:08:00 Wells Fargo, PO BOX 54349, Los Angeles, CA 90054-0349 29299680 +EDI: WFFC.COM May 11 2011 02:08:00 Wf Fin Bank, Wells Fargo Financial, 4137 121st St, Urbendale, IA 50323-2310 29299668 +EDI: CBSKOHLS.COM May 11 2011 02:08:00 kohls/Chase, PO BOX 3120, Milwaukee, WI 53201-3120 TOTAL: 17 29299675 ***** BYPASSED RECIPIENTS (undeliverable, * duplicate) ***** Toyota Motor Credit Co, Must call 800-874-8822 for mailing addre TOTALS: 1, * 0, ## 0 Addresses marked + were corrected by inserting the ZIP or replacing an incorrect ZIP. USPS regulations require that automation-compatible mail display the correct ZIP. Addresses marked ++ were redirected to the recipients preferred mailing address pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

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District/off: 0973-6

User: tgoinsC Form ID: b9i

Page 2 of 2 Total Noticed: 40

Date Rcvd: May 10, 2011

***** BYPASSED RECIPIENTS (continued) *****

I, Joseph Speetjens, declare under the penalty of perjury that I have sent the attached document to the above listed entities in the manner shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and belief. Meeting of Creditor Notices only (Official Form 9): Pursuant to Fed. R. Bank. P. 2002(a)(1), a notice containing the complete Social Security Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains the redacted SSN as required by the bankruptcy rules and the Judiciarys privacy policies.

Date: May 12, 2011

Signature:

B9I (Official Form 9I) (Chapter 13 Case) (12/10)

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UNITED STATES BANKRUPTCY COURT Central District Of California Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines
The debtor(s) listed below filed a Chapter 13 bankruptcy case on May 9, 2011. You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights. All documents filed in the case may be inspected at the bankruptcy clerk's office at U. S. Bankruptcy Court, 3420 Twelfth Street, Riverside, CA 925013819 NOTE: The staff of the bankruptcy clerk's office cannot give legal advice.

See Reverse Side For Important Explanations


Debtor(s) (name(s) and address): Anthony Ramos 554 W. 21st Street Upland, CA 91784 All other names used by the Debtor(s) in the last 8 years (include married, maiden, and trade names): Debtor: Joint Debtor: Attorney for Debtor(s) (name and address): Christopher Hewitt Law Office of Christopher Hewitt 2229 E Bel Air Ln Gilbert, AZ 82234 Telephone number: 4152652917 Case Number:

6:11bk25322CB
Last four digits of Social Security or Individual TaxpayerID (ITIN) No(s)./Complete EIN: Dbt SSN: xxxxx7594 Bankruptcy Trustee (name and address): Amrane (RS) Cohen (TR) 770 The City Dr So Ste #3300 Orange, CA 92868 Telephone number: 7146210200

Meeting of Creditors:
Date: June 23, 2011 Location: 3685 Main Street, 2nd Floor, Riverside., CA 92501 Time: 08:00 AM

Deadlines:
Papers must be received by the bankruptcy clerk's office by the following deadlines: Deadline to File a Proof of Claim: For all creditors (except a governmental unit): September 21, 2011 For a governmental unit: (except as otherwise provided in Fed. R. Bankr. P. 3002 (c)(1)): November 7, 2011 Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: August 22, 2011 Deadline to Object to Exemptions: Thirty (30) days after the conclusion of the meeting of creditors. Creditor with a Foreign Address: A creditor to whom this notice is sent at a foreign address should read the information under "Claims" on the reverse side.

Hearing on Confirmation of Plan:


Date: June 23, 2011 Time: 01:30 PM Location: 3420 Twelfth St., Crtrm 303, Riverside, CA 92501 The plan or a summary of the plan will be sent separately by the debtor.

Creditors May Not Take Certain Actions:


In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor, the debtor's property, and certain codebtors. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized. Consult a lawyer to determine your right in this case. Address of the Bankruptcy Clerk's Office: 3420 Twelfth Street, Riverside, CA 925013819 Telephone number: 9517741000 Hours Open: 9:00 AM 4:00 PM
(Form rev. 12/10:341B9I)

For the Court: Clerk of the Bankruptcy Court: Kathleen J. Campbell Date: May 10, 2011 /

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EXPLANATIONS
Filing of Chapter 13 Bankruptcy Case

B9I (Official Form 9I) (12/10)

A bankruptcy case under Chapter 13 of the Bankruptcy Code (title 11, United States Code) has been filed in this court by the debtor(s) listed on the front side, and an order for relief has been entered. Chapter 13 allows an individual with regular income and debts below a specified amount to adjust debts pursuant to a plan. A plan is not effective unless confirmed by the bankruptcy court. You may object to confirmation of the plan and appear at the confirmation hearing. The plan or a summary of the plan will be sent separately by the debtor, and the confirmation hearing will be on the date indicated on the front of this notice. The debtor will remain in possession of the debtor's property and may continue to operate the debtor's business if any unless the court orders otherwise. The staff of the bankruptcy clerk's office cannot give legal advice. Consult an attorney to determine your rights in this case.

Legal Advice

Creditors Generally Prohibited collection actions against the debtor and certain codebtors are listed in Bankruptcy Code 362 and 1301. May Not Take Certain Common examples of prohibited actions include contacting the debtor by telephone, mail or otherwise to demand Actions repayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor's property; starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor's wages. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to exceed or impose a stay. Meeting of Creditors A meeting of creditors is scheduled for the date, time, and location listed on the front side. The debtor (both spouses in a joint case) must be present at the meeting to be questioned under oath by the trustee and by creditors. Creditors are welcome to attend, but are not required to do so. The meeting may be continued and concluded at a later date without further notice. A Proof of Claim is a signed statement describing a creditor's claim. If a Proof of Claim form is not included with this notice, you can obtain one at any bankruptcy clerk's office. A secured creditor retains rights in its collateral regardless of whether that creditor files a Proof of Claim. If you do not file a Proof of Claim by the "Deadline to File a Proof of Claim" listed on the front side, you might not be paid any money on your claim from other assets in the bankruptcy case. To be paid you must file a Proof of Claim even if your claim is listed in the schedules filed by the debtor. Filing a Proof of Claim submits the creditor to the jurisdiction of the bankruptcy court, with consequences a lawyer can explain. For example, a secured creditor who files a Proof of Claim may surrender important nonmonetary rights, including the right to a jury trial. Filing Deadline for a Creditor with a Foreign Address: The deadlines for filing claims set forth on the front of this notice apply to all creditors. If this notice has been mailed to a creditor at a foreign address, the creditor may file a motion requesting the court to extend the deadline. The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you may never try to collect the debt from the debtor. If you believe that the debtor is not entitled to a discharge under Bankruptcy Code 1328(f), you must file a motion objecting to discharge in the bankruptcy clerk's office by the "Deadline to Object to Debtor's Discharge or to Challenge the Dischargeability of Certain Debts" listed on the front of this form. If you believe that a debt owed to you is not dischargeable under Bankruptcy Code 523(a)(2) or (4), you must file a complaint in the bankruptcy clerk's office by the same deadline. The bankruptcy clerk's office must receive the motion or the complaint and any required filing fee by that deadline. The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributed to creditors, even if the debtor's case is converted to Chapter 7. The debtor must file a list of all property claimed as exempt. You may inspect that list at the bankruptcy clerk's office. If you believe that an exemption claimed by the debtor is not authorized by law, you may file an objection to that exemption. The bankruptcy clerk's office must receive the objection by the "Deadline to Object to Exemptions" listed on the front side. The U.S. Trustee requires that individual debtors must provide to the trustee at the meeting of creditors an original picture ID and proof of SSN. Failure to do so may result in the U.S. Trustee bringing a motion to dismiss the case. Permissible forms of ID include a valid state driver's license, government or stateissued picture ID, student ID, military ID, U.S. Passport or legal resident alien card. Proof of SSN includes Social Security Card, current W2 form, pay stub, IRS Form 1099, Social Security Administration Report, or other official document which indicates name and SSN. Appearance by debtor(s) and the attorney for the debtor(s) is required at both the Section 341(a) meeting and the confirmation hearing. Unexcused failure by the debtor(s) to appear at either the Section 341(a) meeting and/or the confirmation hearing may result in dismissal of the case.

Claims

Discharge of Debts

Exempt Property

Proof of Debtor Identification (ID) and Proof of Social Security Number (SSN) Failure to Appear at the Section 341(a) Meeting and Hearing of Confirmation of Chapter 13 Plan Bankruptcy Clerk's Office

Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk's office at the U. S. Bankruptcy Court, 3420 Twelfth Street, Riverside, CA 925013819 You may inspect all papers filed, including the list of the debtor's property and debts and the list of the property claimed as exempt, at the bankruptcy clerk's office at the address listed above. Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this case. Any questions or information relating to bankruptcy fraud or abuse should be addressed to the Fraud Complaint Coordinator, Office of the United States Trustee, 3685 Main Street, Suite 300, Riverside, CA 92501.

Creditor with a Foreign Address Bankruptcy Fraud and Abuse

Refer to Other Side for Important Deadlines and Notices

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NOTICE OF STANDING ORDER RE: TIME OF CHAPTER 13 CONFIRMATION HEARING RIVERSIDE DIVISION CASES
Pursuant to standing order entered by the court, notice is hereby given that the Riverside Division will hold the hearings on confirmation of Chapter 13 plans on the same date as the meetings of creditors required under 11 U.S.C. Section 341(a). Any party in interest who objects to that timing of the confirmation hearing shall file a written objection thereto at least 20 calendar days before the scheduled confirmation hearing. The objecting party shall file the objection with the Court and serve it on the debtor, debtor's counsel, Chapter 13 trustee, and on any creditor who has filed an objection to confirmation, filed a request for special notice, or holds a security interest in the real property of the debtor. If a timely objection is received, the Court will reschedule the confirmation hearing.

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B10 (Ofcial Form 10) (04/10)

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UNITED STATES BANKRUPTCY COURT Central District Of California


Name of Debtor: Anthony Ramos Case Number:

PROOF OF CLAIM 6:11-25322-CB

NOTE: This form should not be used to make a claim for an administrative expense arising after the commencement of the case. A request for payment of an administrative expense may be led pursuant to 11 U.S.C. 503. Name of Creditor (the person or other entity to whom the debtor owes money or property): Name and address where notices should be sent: Check this box to indicate that this claim amends a previously led claim. Court Claim Number:______________ (If known)

Telephone number: Name and address where payment should be sent (if different from above):

Filed on:_____________________ Check this box if you are aware that anyone else has led a proof of claim relating to your claim. Attach copy of statement giving particulars. Check this box if you are the debtor or trustee in this case. $_______________________________ 5. Amount of Claim Entitled to Priority under 11 U.S.C. 507(a). If any portion of your claim falls in one of the following categories, check the box and state the amount. Specify the priority of the claim.

Telephone number: 1. Amount of Claim as of Date Case Filed:

If all or part of your claim is secured, complete item 4 below; however, if all of your claim is unsecured, do not complete item 4. If all or part of your claim is entitled to priority, complete item 5. Check this box if claim includes interest or other charges in addition to the principal amount of claim. Attach itemized statement of interest or charges. 2. Basis for Claim: _____________________________ (See instruction #2 on reverse side.) 3. Last four digits of any number by which creditor identies debtor: ______________________ 3a. Debtor may have scheduled account as: ____________________ (See instruction #3a on reverse side.) 4. Secured Claim (See instruction #4 on reverse side.) Check the appropriate box if your claim is secured by a lien on property or a right of setoff and provide the requested information. Nature of property or right of setoff: Describe: Real Estate Motor Vehicle Other

Domestic support obligations under 11 U.S.C. 507(a)(1)(A) or (a)(1)(B). Wages, salaries, or commissions (up to $11,725*) earned within 180 days before ling of the bankruptcy petition or cessation of the debtors business, whichever is earlier - 11 U.S.C. 507 (a)(4). Contributions to an employee benet plan - 11 U.S.C. 507 (a)(5). Up to $2,600* of deposits toward purchase, lease, or rental of property or services for personal, family, or household use - 11 U.S.C. 507 (a)(7). Taxes or penalties owed to governmental units - 11 U.S.C. 507 (a)(8). Other - Specify applicable paragraph of 11 U.S.C. 507 (a)(__).

Value of Property: $________________ Annual Interest Rate___% Amount of arrearage and other charges as of time case led included in secured claim, if any: $__________________ Basis for perfection: ____________________ Amount of Secured Claim: $__________________ Amount Unsecured: $__________________ 6. Credits: The amount of all payments on this claim has been credited for the purpose of making this proof of claim. 7. Documents: Attach redacted copies of any documents that support the claim, such as promissory notes, purchase orders, invoices, itemized statements of running accounts, contracts, judgments, mortgages, and security agreements. You may also attach a summary. Attach redacted copies of documents providing evidence of perfection of a security interest. You may also attach a summary. (See instruction 7 and denition of "redacted" on reverse side.) DO NOT SEND ORIGINAL DOCUMENTS. ATTACHED DOCUMENTS MAY BE DESTROYED AFTER SCANNING. If the documents are not available, please explain:

Amount entitled to priority: $_______________

*Amounts are subject to adjustment on 4/1/13 and every 3 years thereafter with respect to cases commenced on or after the date of adjustment.
FOR COURT USE ONLY

Date:

Signature: The person ling this claim must sign it. Sign and print name and title, if any, of the creditor or other person authorized to le this claim and state address and telephone number if different from the notice address above. Attach copy of power of attorney, if any.

Penalty for presenting fraudulent claim: 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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B10 (Ofcial Form 10) (04/10) - Cont.

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INSTRUCTIONS FOR PROOF OF CLAIM FORM


The instructions and denitions below are general explanations of the law. In certain circumstances, such as bankruptcy cases not led voluntarily by the debtor, there may be exceptions to these general rules. Items to be completed in Proof of Claim form Court, Name of Debtor, and Case Number: 4. Secured Claim: Fill in the federal judicial district where the bankruptcy case was led (for Check the appropriate box and provide the requested information if the claim is example, Central District of California), the bankruptcy debtors name, and the fully or partially secured. Skip this section if the claim is entirely unsecured. (See bankruptcy case number. If the creditor received a notice of the case from the DEFINITIONS, below.) State the type and the value of property that secures the bankruptcy court, all of this information is located at the top of the notice. claim, attach copies of lien documentation, and state annual interest rate and the amount past due on the claim as of the date of the bankruptcy ling. Creditors Name and Address: Fill in the name of the person or entity asserting a claim and the name and 5. Amount of Claim Entitled to Priority Under 11 U.S.C. 507(a): address of the person who should receive notices issued during the bankruptcy If any portion of your claim falls in one or more of the listed categories, check the case. A separate space is provided for the payment address if it differs from the appropriate box(es) and state the amount entitled to priority. (See DEFINITIONS, notice address. The creditor has a continuing obligation to keep the court below.) A claim may be partly priority and partly non-priority. For example, in informed of its current address. See Federal Rule of Bankruptcy Procedure some of the categories, the law limits the amount entitled to priority. (FRBP) 2002(g). 6. Credits: 1. Amount of Claim as of Date Case Filed: An authorized signature on this proof of claim serves as an acknowledgment that State the total amount owed to the creditor on the date of the Bankruptcy when calculating the amount of the claim, the creditor gave the debtor credit for ling. Follow the instructions concerning whether to complete items 4 and 5. any payments received toward the debt. Check the box if interest or other charges are included in the claim. 7. Documents: 2. Basis for Claim: Attach to this proof of claim form redacted copies documenting the existence of State the type of debt or how it was incurred. Examples include goods sold, the debt and of any lien securing the debt. You may also attach a summary. You money loaned, services performed, personal injury/wrongful death, car loan, must also attach copies of documents that evidence perfection of any security mortgage note, and credit card. If the claim is based on the delivery of health interest. You may also attach a summary. FRBP 3001(c) and (d). If the claim is care goods or services, limit the disclosure of the goods or services so as to based on the delivery of health care goods or services, see instruction 2. Do not avoid embarrassment or the disclosure of condential health care information. send original documents, as attachments may be destroyed after scanning. You may be required to provide additional disclosure if the trustee or another party in interest les an objection to your claim. Date and Signature: The person ling this proof of claim must sign and date it. FRBP 9011. If the 3. Last Four Digits of Any Number by Which Creditor Identies Debtor: claim is led electronically, FRBP 5005(a)(2), authorizes courts to establish local State only the last four digits of the debtors account or other number used by rules specifying what constitutes a signature. Print the name and title, if any, of the the creditor to identify the debtor. creditor or other person authorized to le this claim. State the lers address and telephone number if it differs from the address given on the top of the form for 3a. Debtor May Have Scheduled Account As: purposes of receiving notices. Attach a complete copy of any power of attorney. Use this space to report a change in the creditors name, a transferred claim, or Criminal penalties apply for making a false statement on a proof of claim. any other information that claries a difference between this proof of claim and the claim as scheduled by the debtor.
__________DEFINITIONS__________ ______INFORMATION______

Debtor A debtor is the person, corporation, or other entity that has led a bankruptcy case. Creditor A creditor is a person, corporation, or other entity owed a debt by the debtor that arose on or before the date of the bankruptcy ling. See 11 U.S.C. 101 (10). Claim A claim is the creditors right to receive payment on a debt owed by the debtor that arose on the date of the bankruptcy ling. See 11 U.S.C. 101 (5). A claim may be secured or unsecured. Proof of Claim A proof of claim is a form used by the creditor to indicate the amount of the debt owed by the debtor on the date of the bankruptcy ling. The creditor must le the form with the clerk of the same bankruptcy court in which the bankruptcy case was led. Secured Claim Under 11 U.S.C. 506(a) A secured claim is one backed by a lien on property of the debtor. The claim is secured so long as the creditor has the right to be paid from the property prior to other creditors. The amount of the secured claim cannot exceed the value of the property. Any amount owed to the creditor in excess of the value of the property is an unsecured claim. Examples of liens on property include a mortgage on real estate or a security interest in a car.

A lien may be voluntarily granted by a debtor or may be obtained through a court proceeding. In some states, a court judgment is a lien. A claim also may be secured if the creditor owes the debtor money (has a right to setoff). Unsecured Claim An unsecured claim is one that does not meet the requirements of a secured claim. A claim may be partly unsecured if the amount of the claim exceeds the value of the property on which the creditor has a lien. Claim Entitled to Priority Under 11 U.S.C. 507(a) Priority claims are certain categories of unsecured claims that are paid from the available money or property in a bankruptcy case before other unsecured claims. Redacted A document has been redacted when the person ling it has masked, edited out, or otherwise deleted, certain information. A creditor should redact and use only the last four digits of any social-security, individuals tax-identi cation, or nancial-account number, all but the initials of a minors name and only the year of any persons date of birth. Evidence of Perfection Evidence of perfection may include a mortgage, lien, certicate of title, nancing statement, or other document showing that the lien has been led or recorded.

Acknowledgment of Filing of Claim To receive acknowledgment of your ling, you may either enclose a stamped self-addressed envelope and a copy of this proof of claim or you may access the courts PACER system (www.pacer.psc.uscourts.gov) for a small fee to view your led proof of claim.

_____ ____________ _ _ __ __ _ __

Offers to Purchase a Claim Certain entities are in the business of purchasing claims for an amount less than the face value of the claims. One or more of these entities may contact the creditor and offer to purchase the claim. Some of the written communications from these entities may easily be confused with ofcial court documentation or communications from the debtor. These entities do not represent the bankruptcy court or the debtor. The creditor has no obligation to sell its claim. However, if the creditor decides to sell its claim, any transfer of such claim is subject to FRBP 3001(e), any applicable provisions of the Bankruptcy Code (11 U.S.C. 101 et seq.), and any applicable orders of the bankruptcy court.

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UNITED STATES BANKRUPTCY COURT


CENTRAL DISTRICT OF CALIFORNIA
In re ANTHONY RAMOS CASE NO.: 6:11-bk-25322-CB CHAPTER.: 13

Debtor.

REQUEST FOR COURTESY NOTIFICATION OF ELECTRONIC FILING (NEF)

To the Clerk of the U.S. Bankruptcy Court. I hereby request to receive courtesy electronic notification of all documents filed in the above referenced case. I understand the courtesy electronic notification shall be delivered via the Courts Case Management/Electronic Filing (CM/ECF) system as a Notice of Electronic Filing (NEF), and that I must be a registered user of the Courts CM/ECF system to be eligible for courtesy NEFs. I further understand this request DOES NOT impose any obligation on the Court, the debtors or any other party in the case to deliver courtesy copies of any orders, pleadings or other documents entered on the docket by mail, telephone, facsimile, or any other means of electronic transmission. (Please print or type) NAME: Law Firm:
DARLENE C. VIGIL BARRETT DAFFIN FRAPPIER TREDER & WEISS, LLP

Telephone Number: (626) 915-5714 Dated: 5/23/2011


/s/ DARLENE C. VIGIL

Signature
NOTE: This form can only be filed electronically via the Courts CM/ECF system. Requests for a courtesy NEF will not be accepted at the Intake window. Please follow the Instructions for Requesting a Courtesy Notification of Electronic Filing (NEF) for the use of this form carefully. The instructions are available on the Courts website www.cacb.uscourts.gov under Forms/Rules/General Orders >Court Forms. You must scan this form to a PDF document, then file it electronically using docket event Request for Courtesy Notification of Electronic Filing (NEF).

This form has been approved by the United States Bankruptcy Court for the Central District of California. May 2011 bkcace_NEF_NOA.rpt-09/Central/Riverside/00000002474021 Page 1 of 1