UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

In re: 

THOMAS S RAMOS

EVA M RAMOS

Debtor(s)

Case No. 16-27313

CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT AND ACCOUNT

Tom Vaughn, chapter 13 trustee, submits the following Final Report and Account of the 

administration of the estate pursuant to 11 U.S.C. § 1302(b)(1). The trustee declares as follows:

1) The case was filed on 08/25/2016.

2) The plan was confirmed on 12/07/2016.

3) The plan was modified by order after confirmation pursuant to 11 U.S.C. § 1329 on

NA .

4) The trustee filed action to remedy default by the debtor in performance under the plan 

on NA .

5) The case was converted on 06/01/2017.

6) Number of months from filing to last payment: 0.

7) Number of months case was pending: 10.

8) Total value of assets abandoned by court order: NA .

9) Total value of assets exempted: NA .

10) Amount of unsecured claims discharged without payment: $0.00.

11) All checks distributed by the trustee relating to this case have not cleared the bank.

UST Form 101-13-FR-S (09/01/2009)

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Receipts:

Total paid by or on behalf of the debtor $5,809.00

Less amount refunded to debtor $261.00

NET RECEIPTS: $5,548.00

Expenses of Administration:

Attorney’s Fees Paid Through the Plan $420.51

Court Costs $0.00

Trustee Expenses & Compensation $255.26

Other $0.00

TOTAL EXPENSES OF ADMINISTRATION: $675.77

Attorney fees paid and disclosed by debtor: $0.00

Scheduled Creditors:

Creditor

Name Class

Claim

Scheduled

Claim

Asserted

Claim

Allowed

Int.

Paid

Principal

Paid

AMERICAN EXPRESS Unsecured 994.00 1,004.03 1,004.03 0.00 0.00

ASSOC IN ORTHO SURGERY Unsecured 407.00 NA NA 0.00 0.00

AT&T MOBILITY II LLC Unsecured 650.00 3,605.71 3,605.71 0.00 0.00

ATG CREDIT Unsecured 187.00 NA NA 0.00 0.00

ATG CREDIT Unsecured 395.00 NA NA 0.00 0.00

Banquet Financial Unsecured 2,500.00 NA NA 0.00 0.00

BERKS CREDIT & COLL Unsecured 336.00 NA NA 0.00 0.00

CAPITAL ONE AUTO FINANCE Secured 17,950.00 21,908.66 21,908.66 1,728.88 472.13

CAPITAL ONE AUTO FINANCE Unsecured 4,069.00 NA NA 0.00 0.00

CAPITAL ONE BANK USA Unsecured 495.00 509.38 509.38 0.00 0.00

CAVALRY PORTFOLIO SVCS LLC Unsecured NA 1,402.98 1,402.98 0.00 0.00

Choice Recovery, Inc Unsecured 123.00 NA NA 0.00 0.00

Choice Recovery, Inc Unsecured 281.00 NA NA 0.00 0.00

COTTONWOOD FINANCIAL OF IL LLC Unsecured 800.00 1,075.14 1,075.14 0.00 0.00

CREDITORS DISCOUNT & AUDIT Unsecured 124.00 NA NA 0.00 0.00

FIAT FINANCIAL MONEY CENTER Unsecured 3,000.00 NA NA 0.00 0.00

FOX VALLEY LABORATORY PHYSIC Unsecured 35.00 NA NA 0.00 0.00

GET GREEN CIRCLE Unsecured 479.00 NA NA 0.00 0.00

GRANT & WEBER Unsecured 511.00 NA NA 0.00 0.00

GRANT & WEBER Unsecured 515.00 NA NA 0.00 0.00

GRANT & WEBER Unsecured 1,962.00 NA NA 0.00 0.00

INTEGRATED IMAGING CONSULTAN Unsecured 165.00 NA NA 0.00 0.00

KEYNOTE CONSULTING Unsecured 257.00 256.60 256.60 0.00 0.00

KEYNOTE CONSULTING Unsecured 257.00 NA NA 0.00 0.00

Laboratory Physicians Unsecured 63.00 NA NA 0.00 0.00

MaxLend Unsecured 205.00 NA NA 0.00 0.00

MEDICAL BUSINESS BUREAU Unsecured 91.00 NA NA 0.00 0.00

MERCHANTS CREDIT GUIDE CO Unsecured 386.00 NA NA 0.00 0.00

NISSAN MOTOR ACCEPTANCE CORP Unsecured 11,500.00 NA 91.57 0.00 0.00

NISSAN MOTOR ACCEPTANCE CORP Secured 15,200.00 26,791.57 26,700.00 2,095.66 575.56

NORTHWESTERN MEDICINE Unsecured 742.00 NA NA 0.00 0.00

UST Form 101-13-FR-S (09/01/2009)

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Scheduled Creditors:

Creditor

Name Class

Claim

Scheduled

Claim

Asserted

Claim

Allowed

Int.

Paid

Principal

Paid

OPPORTUNITY LOANS Unsecured 4,000.00 779.56 779.56 0.00 0.00

PRESENCE HEALTH Unsecured NA 554.75 554.75 0.00 0.00

PRESENCE HEALTH Unsecured NA 176.81 176.81 0.00 0.00

RESURGENT CAPITAL SERVICES Unsecured NA 5,883.99 5,883.99 0.00 0.00

RESURGENT CAPITAL SERVICES Unsecured NA 0.00 0.00 0.00 0.00

Robert Morris University Unsecured 797.00 NA NA 0.00 0.00

SANTANDER CONSUMER USA Unsecured 9,084.00 11,423.56 11,423.56 0.00 0.00

SHERMAN HOSPITAL Unsecured 800.00 NA NA 0.00 0.00

SHERMAN HOSPITAL Unsecured 2,066.00 NA NA 0.00 0.00

STREAMWOOD HIGH SCHOOL DISTR Unsecured 240.00 NA NA 0.00 0.00

Target Finance LLC Unsecured 1,000.00 NA NA 0.00 0.00

THE BUREAUS INC Unsecured 112.00 NA NA 0.00 0.00

THE BUREAUS INC Unsecured 164.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 1,313.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 1,457.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 1,940.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 1,941.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 1,955.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 3,644.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 4,685.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 4,986.00 NA NA 0.00 0.00

US DEPT OF ED FEDLOAN Unsecured 7,744.00 31,982.32 31,982.32 0.00 0.00

ZINGO CASH Unsecured 2,000.00 2,067.49 2,067.49 0.00 0.00

Summary of Disbursements to Creditors:

Secured Payments:

Mortgage Ongoing

Mortgage Arrearage

Debt Secured by Vehicle

All Other Secured

TOTAL SECURED:

Priority Unsecured Payments:

Domestic Support Arrearage

Domestic Support Ongoing

All Other Priority

TOTAL PRIORITY:

GENERAL UNSECURED PAYMENTS:

Claim

Allowed

$0.00

$0.00

$48,608.66

$0.00

$48,608.66

$0.00

$0.00

$0.00

$0.00

$60,813.89

Principal

Paid

$0.00

$0.00

$3,824.54

$0.00

$3,824.54

$0.00

$0.00

$0.00

$0.00

$0.00

Interest

Paid

$0.00

$0.00

$1,047.69

$0.00

$1,047.69

$0.00

$0.00

$0.00

$0.00

$0.00

UST Form 101-13-FR-S (09/01/2009)

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Disbursements:

Expenses of Administration $675.77

Disbursements to Creditors $4,872.23

TOTAL DISBURSEMENTS : $5,548.00

12) The trustee certifies that the foregoing summary is true and complete and all 

administrative matters for which the trustee is responsible have been completed. The trustee 

requests that the trustee be discharged and granted such relief as may be just and proper.

Dated: 07/10/2017

STATEMENT: This Unified Form is associated with an open bankruptcy case, therefore, Paperwork Reduction 

Act exemption 5 C.F.R. § 1320.4(a)(2) applies.

By:/s/ Tom Vaughn

Trustee

UST Form 101-13-FR-S (09/01/2009)

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