WPC% +LQOQ#;,Om/z"OOnb`ldRp Ut9WU9Ok'u$-&@a&Q?ҩs'$9X˘X.e2Ubb3ecP/>>BVg.62{)P]j{ۘQDr-&%>> "鏶>f{(p=.+X&¦Wz m[ 99Ti|5s~fu[xMckc7x29iTI^>L'IӉv5A%<;$Y?ly-pE1[vMx{F۸=ѽ:ˌwt P}HFӀoJCj8.^>"t2}]zuL ns30˝H S 04U >U> 0xXA 1 7 f/ B 1 aN 1b 7 " 0V 0Kr D-  A 0UO A f; a= 0XQ 1 72fAaCfWaYfmaofafa 1 78fGaI#]UN& %tNz 1u| 72^ #w/43GV mX o 0ww 0 0 0 0U 0 0 0n 0 0 0{ 0L 0 0 0S 0 0 0$ 0 0s 0A! 0! 0" 0?# 0# 0u$ 0%U>%( ;$ US ( pZ&Times New Roman _XjXX+X  1  ڀ XXj04.14.08*r pZ&Times New Roman@\0Custom1Custom123  8yx?OU[agmsyCustom2Custom21.1.1.1.1.1.1.1.1. dTABLE A8?OW]ciou{Custom3Custom3(a)1.1.1.1.1.1.1. 1.  F  @ (.3D$ ;!USUS.,  ( $ Figure  1  )!dd Level 1 Level 2 Level 3 Level 4 Level 5 I&mage <=8C HKKKK*+ (_2623  .. I&mage;;=8CTABLE B@\0Custom4Custom423  0k?OW]ciou{Custom5Custom5(a)1.1.1.1.1.1.1.1.TABLE CTABLE DTABLE ETABLE FTABLE G0?OU]ciou{Custom6Custom61.(a)1.1.1.1.1.1.&1.TABLE HHP LaserJet 2300 Series PCL 60(9 Z6Times New Roman Regular+X3#37=CIQYag1.a.i.(1)(a)(i)1)a).i)su8 WfT8:i+003|xU3(O;$0  2#  a  .3  0` (#(#*G+G (_25   /%` ` hp x /23  ../%` ` hp x /   *8+8 (_24  ," hp x ,23  ..," hp x ,  *5+5 (_23 ` ) hp x )23  ..) hp x ) ` *2+2 (_22  &hhp x &23  ..&hhp x &  */+/ (_21  #p x #23  ..#p x #  *,+, (_20 h  p x 23  .. p x h *)+) (_19  pp x 23  ..pp x   *&+& (_18   x 23  .. x   *AA (_17  5+ ` hp x 523  Ԁ5+ ` hp x 5  *GG (_16   /%` ` hp x /23  Ԁ/%` ` hp x /   *88 (_15  ," hp x ,23  Ԁ," hp x ,  *55 (_14 ` ) hp x )23  Ԁ) hp x ) ` *22 (_13  &hhp x &23  Ԁ&hhp x &  *// (_12  #p x #23  Ԁ#p x #  *,, (_11 h  p x 23  Ԁ p x h *)) (_10  pp x 23  Ԁpp x   (&& &_9   x 23  Ԁ x   (AA &_8  5+ ` hp x 523  5+ ` hp x 5  (GG &_7   /%` ` hp x /23  /%` ` hp x /   (88 &_6  ," hp x ,23  ," hp x ,  (55 &_5 ` ) hp x )23  ) hp x ) ` (22 &_4  &hhp x &23  &hhp x &  (// &_3  #p x #23  #p x #  (,, &_2 h  p x 23   p x h ()) &_1  pp x 23  pp x   &&& $_   x 23   x   \  `&Times New Roman ;!USUS.,  _   XjXX+X UNITEDSTATESBANKRUPTCYCOURT  NORTHERNDISTRICTOFGEORGIA     _______________DIVISION    +XjXXXj INRE0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#)0(#(#Caseno:% 6 ___________%6=(#(#    `     h   )      `     h 0  )0(#(#Chapter13 t(#(#    `     h   ) z `    ` 0 0 (# (#Debtor  )   p      x f L (#(# #XjXX+Xj#   `     h      p      x    CHAPTER13PLAN  *  ( Extension()    h      p Composition()     W    YoushouldreadthisPlancarefullyanddiscussitwithyourattorney.Confirmation  ofthisPlanbytheBankruptcyCourtmaymodifyyourrightsbyprovidingforpaymentof  lessthanthefullamountofyourclaim,bysettingthevalueofthecollateralsecuringyour  claim,and/orbysettingtheinterestrateonyourclaim.    p  WDebtororDebtors(hereinaftercalled Debtor)proposesthisChapter13Plan: v\  (yx83."\"    \2yx  1  .3    SubmissionofIncome .DebtorsubmitstothesupervisionandcontroloftheChapter13Trustee N4 ( Trustee)allorsuchportionoffutureearningsorotherfutureincomeofDebtorasisnecessary >$ fortheexecutionofthisPlan.\ ݌ * Ќ  ݀  "\"  \ 2yx  2  .3    ݀ PlanPaymentsandLengthofPlan. Debtorwillpaythesumof$________per___________  toTrusteeby[]PayrollDeduction(s)orby[]DirectPayment(s)fortheapplicablecommitment  periodof_____months,unlessallallowedclaimsineveryclass,otherthanlong-termclaims,are  paidinfullinashorterperiodoftime.ThetermofthisPlanshallnotexceedsixty(60)months.See  11U.S.C.1325(b)(1)(B)and1325(b)(4).Eachpreconfirmationplanpaymentshallbereduced   byanypre-confirmationadequateprotectionpayment(s)madepursuanttoPlanparagraph6(A)(i) !  and1326(a)(1)(C).\ ݌ "t! Ќ      Thefollowingalternativeprovisionwillapplyifselected: f$L #    ___I XXjFCHECKEDXjX ,Planpaymentswillincreaseby$___________on__________,20___ b%H!$    uponcompletionorterminationof__________________. N&4"% "\"    \2yx  3  .3    ݀ ClaimsGenerally.TheamountslistedforclaimsinthisPlanarebaseduponDebtorsbest #( $& estimateandbelief. Anallowedproofofclaimwillbecontrolling,unlesstheCourtorders )$' otherwise.Objectionstoclaimsmaybefiledbeforeorafterconfirmation.\O݌ *%( Ќ  "\"  \ 2yx  4  .3    ݀ AdministrativeClaims .Trusteewillpayinfullallowedadministrativeclaimsandexpenses +') pursuantto507(a)(2)assetforthbelow,unlesstheholderofsuchclaimorexpensehasagreedto ,(* adifferenttreatmentofitsclaim.\ 8݌ -y)+ Ќ    (A). TrusteesFees .Trusteeshallreceiveafeeforeachdisbursement,thepercentageof  whichisfixedbytheUnitedStatesTrustee.    (B). DebtorsAttorneysFees. DebtorandDebtorsattorneyhaveagreedtoabase  attorneyfeeintheamountof$________________fortheservicesidentifiedintheRule2016(b)  disclosurestatementfiledinthiscase.Theamountof$__________waspaidpriortothefiling o ofthecase.ThebalanceofthefeeshallbedisbursedbyTrusteeasfollows:(1)Uponthefirst u [ disbursementfollowingconfirmationofaPlan,theTrusteeshalldisbursetoDebtorsattorney a G fromtheproceedsavailableandpaidintotheofficeoftheTrusteebyDebtororonDebtors M 3 behalf,upto$____afterthepaymentofadequateprotectionpaymentsandadministrativefees. 9  Theremainingbalanceofthefeesshallbepaidupto$______permonthuntilthefeesarepaid %  infull;(2)Ifthecaseisdismissedorconvertedpriortoconfirmationoftheplan,theTrustee   shallpayfeestoDebtorsattorneyfromtheproceedsavailableandpaidintotheofficeofthe   TrusteebyDebtororonDebtorsbehalf,allfundsremaining,nottoexceed$__________,after   paymentofanyunpaidfilingfees,Trusteesfeesandexpenses,andadequateprotection   payments,ifapplicable.      W[ INDICATEHEREHOWADDITIONAL,NON-BASEFEESARETOBEPAID]    (yx88! !"\"   W\2yx  5  .3    ݀ PriorityClaims .\݌ h Ќ    (A). DomesticSupportObligations . )   ___None.Ifnone,skiptoPlanparagraph5(B).   (i).Debtorisrequiredtopayallpost-petitiondomesticsupportobligationsdirectlyto sY theholderoftheclaim. _E  (ii).Thename(s)andaddress(es)oftheholderofanydomesticsupportobligationare  asfollows.See11U.S.C.101(14A)and1302(b)(6).    a _ _________________________  _________________________  _________________________  _________________________    a _ (iii).AnticipatedDomesticSupportObligationArrearageClaims A"'   (a).UnlessotherwisespecifiedinthisPlan,priorityclaimsunder11U.S.C. # 507(a)(1)willbepaidinfullpursuantto11U.S.C.1322(a)(2).Theseclaimswill $  bepaidatthesametimeasclaimssecuredbypersonalproperty,arrearageclaims %! securedbyrealproperty,andarrearageclaimsforassumedleasesorexecutory &" contracts. 'z#  ___None;or 7)%!   *&" * ddd Xdd Xdd X_ (#_ (#, dd , dd , dd +  /% /XjXXXj (88"\"     \B$2(  a  )3    \B$$݌    Creditor y (NameandAddress) >4"e ##$$ >"\"    \%2(  b  )3    \%%݌  Ќ  Estimatedarrearage y Ѐclaim >4"e ##$$ >"\"    \&2(  c  )3    \&'݌  Ќ  Projectedmonthly y arrearagepayment I?(e   0 ##$$ JI 5+ ##$$ 5 5+ ##$$ 5 ?5  J ##$$ B? 5+ e ##$$ 5 5+ e##$$ 5.$" e B  ##$$ .  (b).Pursuantto507(a)(1)(B)and1322(a)(4),thefollowingdomesticsupport  m obligationclaimsareassignedto,owedto,orrecoverablebyagovernmentalunit. s Y  ___None;or   Claimant  and g proposed  treatment:_____________________   ________________________________________________________________   ________________________________________________________________   ________________________________________________________________ @& m*   (B). OtherPriorityClaims(e.g.,taxclaims) .Thesepriorityclaimswillbepaidinfull,but mS willnotbefundeduntilafterallsecuredclaims,leasearrearageclaims,anddomesticsupportclaims ]C arepaidinfull. I/ * dd dd dd dd  (#(#,4dd ,4dd +  /% / (k08 "\"    \.2k(  a  )3    \.E/݌ G- Ќ  Creditor >4"3 ##$$ >"\"    \02k(  b  )3    \0K0݌ G- Ќ  Estimatedclaim I?(3  0 ##$$ JI 5+##$$ 5 ?5  J ##$$ B? 5+3!##$$ 5.$"3" B  ##$$ .! !"\"  \#22k  6  .3    ݀ SecuredClaims .\#2f2݌ ;!# Ќ  (A). ClaimsSecuredbyPersonalPropertyWhichDebtorIntendstoRetain . $  (i). Pre-confirmationadequateprotectionpayments .Nolaterthan30daysafterthe !o% dateofthefilingofthisplanortheorderforrelief,whicheverisearlier,theDebtorshall y"_& makethefollowingadequateprotectionpaymentstocreditorspursuantto e#K' 1326(a)(1)(C).IftheDebtorelectstomakesuchadequateprotectionpaymentson Q$7 ( allowedclaimstotheTrusteependingconfirmationoftheplan,thecreditorshallhave =%#!) anadministrativelienonsuchpayment(s),subjecttoobjection.IfDebtorelectstomake )&"* suchadequateprotectionpaymentsdirectlytothecreditor,Debtorshallprovideevidence '"+ ofsuchpaymenttotheTrustee,includingtheamountanddateofthepayment. (#,    Debtorshallmakethefollowingadequateprotectionpayments: )%- ___directlytothecreditor;or A+''/ ___totheTrusteependingconfirmationoftheplan. -{)1  F@   * dd4dd 44dd 4 3!3!, dd ,( dd , dd +  /%FF / (80"\"       \92(  a  )3    \9):݌  Ќ  Creditor >4"y ##$$ >"\"    \:2(  b  )3    \:/;݌  Ќ  Collateral >4"y ##$$ >"\"    \;2(  c  )3    \;7<݌  Ќ  Adequateprotection y paymentamount I?(e  0 ##$$ II 5++ ##$$ 5 5++  ##$$ 5 ?5+   I ##$$ B? 5+ e ##$$ 5 5+ e ##$$ 5.$" e  B  ##$$ .   (ii).  Postconfirmationpayments . C Post-confirmationpaymentstocreditors  m holdingclaimssecuredbypersonalpropertyshallbepaidassetforthinsubparagraphs  ] (a)and(b).IfDebtorelectstoproposeadifferentmethodofpayment,suchprovisionis I  setforthinsubparagraph(c). {5   E(a). ClaimstoWhich506ValuationisNOTApplicable .Claimslistedinthis   subsectionconsistofdebtssecuredbyapurchasemoneysecurityinterestina   vehicleforwhichthedebtwasincurredwithin910daysoffilingthebankruptcy   petition,or,ifthecollateralforthedebtisanyotherthingofvalue,thedebtwas  incurredwithin1yearoffiling.See1325(a)(5).Afterconfirmationoftheplan,  theTrusteewillpaytotheholderofeachallowedsecuredclaimthemonthly x paymentincolumn(f)basedupontheamountoftheclaimincolumn(d)with d interestattheratestatedincolumn(e).Uponconfirmationoftheplan,theinterest P rateshownbeloworasmodifiedwillbebindingunlessatimelywrittenobjection < toconfirmationisfiledandsustainedbytheCourt.Paymentsdistributedbythe n( Trusteearesubjecttotheavailabilityoffunds. Z   ___None;or  * dd dd ( dd (  dd    (# (#,dd ,dd ,dd ,dd ,dd ,dd +  /%n(n( / (88 "\"     E\F2(  a  )3    \F-G݌  Ќ  Creditor >4"  ##$$ >"\"    \G2(  b  )3    \G3H݌ ! Ќ  Collateral >4"" ##$$ >"\"    \I2(  c  )3    \I;I݌ # Ќ  Purchase $ date >4"% ##$$ >"\"  \!J2(  d  )3    \!J\J݌ & Ќ    Claim ' amount >4"( ##$$ >"\"    \[K2(  e  )3    \[KK݌ ) Ќ  Interestrate >4"* ##$$ >"\"    \fL2(  f  )3    \fLL݌ + Ќ  Monthly , payment I?(-  0 ##$$ JI 5+S! .##$$ 5 5+S! /##$$ 5 5+S! 0##$$ 5 5+S! 1##$$ 5 5+S! 2##$$ 5 ?5S! 3 J ##$$ C? 5+"4##$$ 5 5+"5##$$ 5 5+"6##$$ 5 5+"7##$$ 5 5+"8##$$ 5.$""9 C  ##$$ .  E(b). ClaimstoWhich506ValuationisApplicable .Claimslistedinthis $: subsectionconsistofanyclaimssecuredbypersonalpropertynotdescribedinPlan % ; paragraph6(A)(ii)(a).Afterconfirmationoftheplan,theTrusteewillpaytothe &q!< holderofeachallowedsecuredclaimthemonthlypaymentincolumn(f)based ']"= uponthereplacementvalueasstatedincolumn(d)ortheamountoftheclaim, (I#> whicheverisless,withinterestattheratestatedincolumn(e).Theportionofany {)5$? allowedclaimthatexceedsthevalueindicatedbelowwillbetreatedasan g*!%@ unsecuredclaim.Uponconfirmationoftheplan,thevaluationandinterestrate S+ &A shownbeloworasmodifiedwillbebindingunlessatimelywrittenobjectionto ?,&B confirmationisfiledandsustainedbytheCourt.Paymentsdistributedbythe +-'C Trusteearesubjecttotheavailabilityoffunds. .(D F  ___None;or  * !dddd dd dd dd dd dd   (# (#,dd ,dd ,xdd ,dd ,dd ,dd +  /% ] ] / (88 "\"     E\V2(  a  )3    \V=W݌  Ќ  Creditor >4" ##$$ >"\"    \ X2(  b  )3    \ XCX݌  Ќ  Collateral >4" ##$$ >"\"    \Y2(  c  )3    \YKY݌  Ќ  Purchase  date >4"q   ##$$ >"\"  \1Z2(  d  )3    \1ZlZ݌   Ќ    Replacement   value >4"q   ##$$ >"\"    \p[2(  e  )3    \p[[݌   Ќ  Interestrate >4" ##$$ >"\"    \{\2(  f  )3    \{\\݌  Ќ  Monthly  payment I?(q   0 ##$$ JI 5+ B##$$ 5 5+ B##$$ 5 5+ B##$$ 5 5+ B##$$ 5 5+ B##$$ 5 ?5 B J ##$$ B? 5+q ##$$ 5 5+q ##$$ 5 5+q ##$$ 5 5+q ##$$ 5 5+q ##$$ 5.$"q  B  ##$$ . E(c). Otherprovisions . y      E(B). ClaimsSecuredbyRealPropertyWhichDebtorIntendstoRetain .Debtorwillmake U  allpost-petitionmortgagepaymentsdirectlytoeachmortgagecreditorasthosepaymentsordinarily E ! comedue.Theseregularmonthlymortgagepayments,whichmaybeadjustedupordownas 1 " providedforundertheloandocuments,areduebeginningthefirstduedateafterthecaseisfiledand n# continuingeachmonththereafter,unlessthisPlanprovidesotherwise.Trusteemaypayeachallowed  Z$ arrearageclaimatthemonthlyrateindicatedbelowuntilpaidinfull.Trusteewillpayinterestonthe F% mortgagearrearageifthecreditorrequestsinterest,unlessanobjectiontotheclaimisfiledandan 2& orderisentereddisallowingtherequestedinterest. ' *" #dddd dd xdd xdd dd dd  !(#(#,dd ,&dd ,~dd ,dd +  /%O(O / yXXj (88 "\"    \@f2(  a  )3    \@ff݌ 5) Ќ  Creditor >4" * ##$$ >"\"    \jg2(  b  )3    \jgg݌ 5+ Ќ  Property  , description >4"- ##$$ >"\"    \h2(  c  )3    \hh݌ 5. Ќ  Estimatedpre-petition  / arrearage >4"0 ##$$ >"\"    \i2(  d  )3    \ii݌ 51 Ќ  Projectedmonthly  2 arrearagepayment I?(3  0 ##$$ JI 5+54##$$ 5 5+55##$$ 5 5+56##$$ 5 ?557 J ##$$ C? 5+<8##$$ 5 5+<9##$$ 5 5+<:##$$ 5.$"<; C  ##$$ . XjX y(C). SurrenderofCollateral .Debtorwillsurrenderthefollowingcollateralnolaterthan e< thirty(30)daysfromthefilingofthepetitionunlessspecifiedotherwiseinthePlan.Anyclaimfiled  U= byasecuredlienholderwhosecollateralissurrenderedwillbetreatedasunsecured.Any  A> involuntaryrepossession/foreclosurepriortoconfirmationofthisPlanmustbeobtainedbyafiled !-? motionandCourtorder,unlesstheautomaticstaynolongerappliesunder362(c).UponPlan "@ confirmation,theautomaticstaywillbedeemedliftedforthecollateralidentifiedbelowfor #A surrenderandthecreditorneednotfileaMotiontoLifttheStayinordertorepossess,forecloseupon $B orsellthecollateral.Nothinghereinisintendedtoliftanyapplicableco-Debtorstay,ortoabrogate % C Debtorsstatelawcontractrights. x&!D  t'"E # yXXjl#*$ %dddd &dd &~dd ~dd " #(#(#,4dd ,4dd +  /%p(#Fp(# /XjX y (88 "\"    \r2(  a  )3    \r!s݌ (N$G Ќ  Creditor >4"):%H ##$$ >"\"    \s2(  b  )3    \s't݌ (N$I Ќ  Collateraltobesurrendered I?():%J  0 ##$$ JI 5+i+&K##$$ 5 ?5i+&L J ##$$ C? 5+,:(M##$$ 5.$",:(N C  ##$$ ._ .V)N  &(08 ! !"\"  \v2  7  .3    ݀ UnsecuredClaims .Debtorestimatesthatthetotalofgeneralunsecureddebtnotseparately  classifiedinPlanparagraph10is$_________.Afterallotherclasseshavebeenpaid,Trusteewill  paytothecreditorswithallowedgeneralunsecuredclaimsaproratashareof$_________or  ________%,whicheverisgreater.Trusteeisauthorizedtoincreasethisdollaramountorpercentage, w ifnecessary,inordertocomplywiththeapplicablecommitmentperiodstatedinparagraph2ofthis c Plan.\vv݌ O  Ќ  "\"  \y2  8  .3    ݀ ExecutoryContractsandUnexpiredLeases .Thefollowingexecutorycontractsandunexpired  C leasesareassumed,andpaymentsdueafterthefilingofthecasewillbepaiddirectlybyDebtor,not  3 throughTrustee,assetforthbelowincolumn_(c)_.\yz݌   Ќ  Debtorproposestocureanydefaultbypayingthearrearageontheassumedleasesorcontracts q  intheamountsprojectedincolumn(d)atthesametimethatpaymentsaremadetosecuredcreditors. ]  Allotherexecutorycontractsandunexpiredleasesofpersonalpropertyarerejecteduponconclusion I  oftheconfirmationhearing. 5     ___None;or )  *( )dd4dd 44dd 4$ %(#(#,dd ,dd ,dd ,dd +  +!II +"\"    \~2(  a  )3    \~-݌  Ќ  Creditor >4" ##$$ >"\"    \2(  b  )3    \3݌  Ќ  Natureofleaseor  executorycontract >4" ##$$ >"\"    \12(  c  )3    \1j݌  Ќ  Paymenttobepaid  directlybyDebtor >4" ##$$ >"\"    \h2(  d  )3    \h݌  Ќ  Projectedarrearage  monthlypayment  throughplan(for q informational ] purposes) C9"I ##$$ JC 5+##$$ 5 5+##$$ 5 5+##$$ 5 ?5  J ##$$ B? 5+I!##$$ 5 5+I"##$$ 5 5+I###$$ 5.$"I$ B  ##$$ .! !"\"  \Յ2  9  .3    ݀ PropertyoftheEstate .PropertyoftheestateshallnotvestinDebtoruntiltheearlierof Q% Debtorsdischargeordismissalofthiscase,unlesstheCourtordersotherwise.\Յ݌ A& Ќ  "\ "  \k2  10  .3    ݀ OtherProvisions :\k݌  5' Ќ    W(A). Specialclassesofunsecuredclaims.    o      "( (B). Otherdirectpaymentstocreditor.  /$* ̀ SUGGESTEDPARAGRAPH10PLANLANGUAGE  &\!,  RXjXXXj_(C)_. Otherallowedsecuredclaims :Aproofofclaimwhichisfiledandallowedasa '8#. Ѐsecuredclaim,butisnottreatedspecificallyundertheplan,shallbefundedwith (($/ Ѐ___%interestasfundsbecomeavailableaftersatisfactionoftheallowedsecured )%0 Ѐclaimswhichhavebeentreatedbytheplanandpriortopaymentofallowednon *&1 Ѐadministrativepriorityclaims(exceptdomesticsupportobligationclaimsassetforth +&2 Ѐinparagraph5(A),above)andgeneralunsecuredclaims.Notwithstandingthe ,'3 Ѐforegoing,theDebtororanyotherpartyininterestmayobjecttotheallowanceof s-(4 Ѐtheclaim. _.)5 Ї#XjXXRXj#RXjXXXj(D). Claimssubjecttolienavoidancepursuantto11U.S.C.522(f) :Theallowed  Ѐsecuredclaimofeachcreditorlistedbelowshallnotbefundeduntilallallowed,  Ѐsecuredclaimswhicharebeingtreatedbytheplanaresatisfied.Ifanorderis  Ѐenteredavoidingthecreditorslien,thatcreditorsclaimshallbetreatedasa w Ѐgeneral,unsecuredclaimtotheextentitisnototherwisesecuredbypropertyofthe c Ѐestateandtreatedbytheplan.Totheextentthatthecreditorslienisnotavoided O  Ѐandisnototherwisetreatedbytheplan,thesecuredclaimshallbefundedasset ;  Ѐforthintheaboveparagraph.Thisparagraphshallapplytothefollowingcreditors:#XjXXRXjI# ' x  W(  (#(#(Date:_________________,20___.   hh#h    <__________________________ P  Debtor <  (  hh( ______________________________  ___________________________  DebtorsAttorney    h     Debtor