Model Plan Trustee:  Marshall  Meyer

11/22/2013  Stearns  Vaughn

UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

In re: ) Case No. 16-25461

)

Raul A Hoare )

)

Debtors. ) Modified Chapter 13 Plan, dated 1/4/17

 A check in this box indicates that the plan contains special provisions, set out in Section G.

Otherwise, the plan includes no provisions deviating from the model plan adopted by the court at the

time of the filing of this case.

Section A.

Budget

items

1. As stated in the debtor’s Schedule I and J, (a) the number of persons in the debtor’s household

is 2 ; (b) their ages are 59, 56 ; (c) total household monthly income is $ 8,815.85 ; and (d) total

monthly household expenses are $ 4,233.00 , leaving $ 4,582.85 available monthly for plan

payments.

2. The debtor’s Schedule J includes $ N/A for charitable contributions; the debtor represents that

the debtor made substantially similar contributions for N/A months prior to filing this case.

Section B.

General

items

1. The debtor assumes all unexpired leases and executory contracts listed in Section G of this

plan; all other unexpired leases and executory contracts are rejected. Both assumption and

rejection are effective as of the date of plan confirmation.

2. Claims secured by a mortgage on real property of the debtor, set out in Section C or in

Paragraph 2 of Section E of this plan, shall be treated as follows:

(a) Prepetition defaults. If the debtor pays the cure amount specified in Paragraph 5 of Section E,

while timely making all required postpetition payments, the mortgage will be reinstated

according to its original terms, extinguishing any right of the mortgagee to recover any amount

alleged to have arisen prior to the filing of the petition.

(b) Costs of collection. Costs of collection, including attorneys' fees, incurred by the holder after

the filing of this bankruptcy case and before the final payment of the cure amount specified in

Paragraph 5 of Section E may be added to that cure amount pursuant to order of the court on

motion of the holder.

3. The holder of any claim secured by a lien on property of the estate, other than a mortgage

treated in Section C or in Paragraph 2 of Section E, shall retain the lien until the earlier of (a)

payment of the underlying debt determined under nonbankruptcy law, or (b) discharge under 11

U.S.C. § 1328, at which time the lien shall terminate and be released by the creditor.

4. The debtor shall retain records, including all receipts, of all charitable donations listed in

Schedule J.

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Section C.  The debtor will make no direct payments to creditors holding prepetition claims. /or/

Direct  The debtor will make current monthly payments, as listed in the debtor's Schedule J--

payment of increased or decreased as necessary to reflect changes in variable interest rates, escrow

claims by requirements, collection costs, or similar matters--directly to the following creditors holding

debtor claims secured by a mortgage on the debtor’s real property:

Creditor: Bank of America , monthly payment, $ 2,962.61

Creditor: Bank of America , monthly payment, $ 1,899.47

Section D.

Payments

by debtor

to the

trustee;

plan term

and

completion

1. Initial plan term. The debtor will pay to the trustee $ 460.00 monthly for 12 months [and

$ monthly for an additional months], for total payments, during the initial plan term, of

$ 5,520.00 . [Enter this amount on Line 1 of Section H.]

2. Adjustments to initial term. If the amount paid by the debtor to the trustee during the initial

plan term does not permit payment of general unsecured claims as specified in Paragraphs 8 and

9 of Section E, then the debtor shall make additional monthly payments, during the maximum

plan term allowed by law, sufficient to permit the specified payments.

3. Plan completion.  The plan will conclude before the end of the initial term, as adjusted by

Paragraph 2, only at such time as all allowed claims are paid in full, with any interest required

by the plan /or/

 The plan will conclude before the end of the initial term at any time that the debtor pays to the

trustee the full amounts specified in Paragraphs 1 and 2.

Section E. The trustee shall disburse payments received from the debtor under this plan as follows:

Disbursements by 1. Trustee’s fees. Payable monthly, as authorized; estimated at 5.00% of plan payments; and

the trustee during the initial plan term, totaling $ 276.00 . [Enter this amount on Line 2a of Section H.]

2. Current mortgage payments. Payable according to the terms of the mortgage, as set forth

below, beginning with the first payment due after the filing of the case. Each of these payments

shall be increased or decreased by the trustee as necessary to reflect changes in variable interest

rates, escrow requirements, or similar matters; the trustee shall make the change in payments as

soon as practicable after receipt of a notice of the change issued by the mortgage holder, but no

later than 14 days after such receipt. The trustee shall notify the debtor of any such change at

least 7 days before putting the change into effect. Any current mortgage payment made by the

debtor directly to the mortgagee shall be deducted from the amounts due to be paid to the trustee

under this plan.

-NONEThe total of all current mortgage payments to be made by the trustee under the plan is estimated

to be $ 0.00 . [Enter this amount on Line 2b of Section H.]

3.1. Other secured claims secured by value in collateral. All secured claims, other than mortgage

claims treated above and claims treated in Paragraph 3.2, are to be paid in full during the plan

term, with interest at an annual percentage rates and in the fixed monthly amounts specified

below regardless of contrary proofs of claim (subject to reduction with the consent of the

creditor):

-NONE2

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[All claims in the debtor’s Schedule D, other than mortgages treated above and claims for which

the collateral has no value, must be listed in this paragraph.]

The total of all payments on these secured claims, including interest, is estimated to be $ 0.00 .

[Enter this amount on Line 2c of Section H.]

3.2 Other secured claims treated as unsecured. The following claims are secured by collateral

that either has no value or that is fully encumbered by liens with higher priority. No payment

will be made on these claims on account of their secured status, but to the extent that the claims

are allowed, they will be paid as unsecured claims, pursuant to Paragraphs 6 and 8 of this

section.

-NONE4. Priority claims of debtor’s attorney. Payable in amounts allowed by court order. The total

claim of debtor's attorney is estimated to be $ 0.00 . [Enter this amount on Line 2d of Section H.]

5. Mortgage arrears. Payable as set forth below, regardless of contrary proofs of claim, except

that the arrears payable may be reduced either with the consent of the mortgagee or by court

order, entered on motion of the debtor with notice to the trustee and the mortgagee. Any such

reduction shall be effective 14 days after either the trustee's receipt of a notice of reduction

consented to by the mortgagee or the entry of a court order reducing the arrearage.

(a) To creditor Bank of America , arrears of $ 1,681.04 , payable monthly from available funds,

pro rata with other mortgage arrears,

 without interest /or/  with interest at an annual percentage rate of %.

These arrearage payments, over the term of the plan, are estimated to total $ 1,681.04 .

(b) To creditor Bank of America , arrears of $ 544.63 , payable monthly from available funds, pro

rata with other mortgage arrears,

 without interest /or/  with interest at an annual percentage rate of %.

These arrearage payments, over the term of the plan, are estimated to total $ 544.63 .

6. Allowed priority claims other than those of the debtor’s attorney. Payable in full, without

interest, on a pro rata basis. The total of all payments on non-attorney priority claims to be made

by the trustee under the plan is estimated to be $ 0.00 . [Enter this amount on Line 2f of Section

H.] Any claim for which the proof of claim asserts both secured and priority status, but which is

not identified as secured in Paragraphs 2, 3.1, or 3.2 of this section, will be treated under this

paragraph to the extent that the claim is allowed as priority claim.

 7. Specially classified unsecured claim. A special class consisting of the following non-priority

unsecured claim: -NONE- shall be paid at N/A % of the allowed amount. The total of all

payments to this special class is estimated to be $ N/A . [Enter this amount on Line 2g of

Section H.]

Reason for the special class: N/A .

8. General unsecured claims (GUCs). All allowed nonpriority unsecured claims, not specially

classified, including unsecured deficiency claims under 11 U.S.C. § 506(a), shall be paid, pro

rata,  in full, /or/  to the extent possible from the payments set out in Section D, but not less

than N/A % of their allowed amount. [Enter minimum payment percentage on Line 4b of

Section H.] Any claim for which the proof of claim asserts secured status, but which is not

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identified as secured in section C, or Paragraphs 2, 3.1, 3.2 or 5 of this section, will be treated

under this paragraph to the extent that the claim is allowed without priority.

9. Interest.  Interest shall not be paid on unsecured claims /or/  interest shall be paid on

unsecured claims, including priority and specially classified claims, at an annual percentage rate

of 3.5 % [Complete Line 4d of Section H to reflect interest payable.]

Section F. The trustee shall pay the amounts specified in Section E of this Plan in the following order

Priority of priority, with claims in a given level of priority reduced proportionately in the event of

insufficient plan payments: (1) trustee’s fee; (2) current mortgage payments; (3) secured claims

listed in Section E, Paragraph 3.1; (4) priority claims of the debtor's attorney; (5) mortgage

arrears; (6) priority claims other than those of the debtor's attorney; (7) specially classified

non-priority unsecured claims; and (8) general unsecured claims.

Section G. Notwithstanding anything to the contrary set forth above, this Plan shall include the provisions

Special set forth in the box following the signatures. The provisions will not be effective unless there

terms is a check in the notice box preceding Section A.

Section H.

Summary

of payments to

and from

the

trustee

(1) Total payments from the debtor to the Chapter 13 trustee

(subject to Paragraph 2 of Section D) $ 5,520.00

(2) Estimated disbursements by the trustee for non-GUCs

(general unsecured claims):

(a) Trustee’s fees $ 276.00

(b) Current mortgage payments $ 0.00

(c) Payments of other allowed secured claims $ 0.00

(d) Priority payments to debtor’s attorney $ 0.00

(e) Payments of mortgage arrears $ 2,225.67

(f) Payments of non-attorney priority claims $ 0.00

(g) Payments of specially classified unsecured claims $ 0.00

(h) Total [add Lines 2a through 2g] $ 2,501.67

(3) Estimated payments available for GUCs and interest

during initial plan term [subtract Line 2h from Line 1] $ 3,018.33

(4) Estimated payments required after initial plan term:

(a) Estimated total GUCs, including unsecured deficiency

claims under § 506(a) $ 2,571.85

(b) Minimum GUC payment percentage 100 %

(c) Estimated minimum GUC payment [multiply line 4a by

line 4b] $ 2,571.85

(d) Estimated interest payments on unsecured claims $ 65.26

(e) Total of GUC and interest payments [add Lines 4c

and 4d] $ 2,637.11

(f) Payments available during initial term [enter Line 3] $ 3,018.33

(g) Additional payments required [subtract Line 4f from

Line 4e] $ -381.22

(5) Additional payments available:

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(a) Debtor's monthly payment less trustee's fees and

current mortgage payments made by the trustee $ N/A

(b) Months in maximum plan term after initial term N/A

(c) Payments available [multiply line 5a by line 5b] $ N/A

Section I.

Payroll

Control

 A check in this box indicates that the debtor consents to immediate entry of an order

directing the debtor's employer to deduct from the debtor's wages the amount specified in

Paragraph 1 of Section D and to pay that amount to the trustee on the debtor's behalf. If this is a

joint case, details of the deductions from each spouse's wages are set out in Section G.

Signatures Debtor(s) [Sign only if not represented by an attorney]

Date

Debtor's Attorney /s/ Joseph S. Davidson Date January 4, 2017

Attorney Information

(name, address,

telephone, etc.)

Joseph S. Davidson

Sulaiman Law Group, Ltd.

900 Jorie Boulevard

Suite 150

Oak Brook, IL 60523

630-575-8181

Fax: 630-575-8188

Special Terms [as provided in Paragraph G]

1. Debtor shall surrender the real property located at 4N206 Central Ave., Bensenville, IL 60106 to Seterus, Inc., and Federal

National Mortgage Association ("Fannie Mae") in full satisfaction of its secured claim.

2. Debtor shall make current monthly payments, as listed in debtor’s Schedule J directly to the following creditors holding

claims secured by a perfected lien on debtor’s personal property:

Creditor: Capital One Auto Finance

Collateral: 2012 Hyundai Tuscon

Fixed monthly payment: $344.00

Trustee shall make no payments on the claim of this creditor.

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 United States Bankruptcy Court

 Northern District of Illinois

In re: Case No. 16-25461-JPC

Raul A Hoare Chapter 13

 Debtor CERTIFICATE OF NOTICE

District/off: 0752-1 User: vrowe Page 1 of 2 Date Rcvd: Jan 05, 2017

 Form ID: pdf003 Total Noticed: 19

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on

Jan 07, 2017.

db +Raul A Hoare, 3230 W. Olive Ave., Chicago, IL 60659-3612

24789651 +Bank of America, Nc4-105-03-14, Po Box 26012, Greensboro, NC 27420-6012

25097515 Bank of America, N.A., PO Box 31785, Tampa, FL 33631-3785

24867378 Bank of America, N.A., c/o Manley, Deas & Kochalski, LLC, P.O. Box 165028,

 Columbus, Ohio 43216-5028

24789652 +Capital One Auto Finance, Attn: Bankruptcy Dept, Po Box 30258,

 Salt Lake City, UT 84130-0258

24789653 +Citibank, Citicorp Cr Srvs/Centralized Bankruptcy, Po Box 790040, S Louis, MO 63179-0040

24789655 +Equifax Information Services, LLC, Po Box 740241, Atlanta, GA 30374-0241

24789654 Equifax Information Services, LLC, 1550 Peachtree St. NW, Atlanta, GA 30309

24789657 +Experian Information Solutions, Inc., Po Box 4500, Allen, TX 75013-1311

24789656 +Experian Information Solutions, Inc., 475 Anton Blvd., Costa Mesa, CA 92626-7037

24789658 +Eyes of Grace, 9669 N. Kenton Ave., Suite 409, Skokie, IL 60076-1267

24789659 +Johnson Blumberg & Associates, LLC, 230 W. Monroe St., Suite 1125, Chicago, IL 60606-4723

24789660 +NorthShore University HealthSystem, Po Box 1006, Suite 330, Skokie, IL 60076-8006

24789661 ++PINNACLE MANAGEMENT SERVICES, 830 ROUNDABOUT, SUITE B, WEST DUNDEE IL 60118-2116

 (address filed with court: Pinnacle Management Services, 830 Roundabout, Suite B,

 Dundee, IL 60118)

24789662 +Seterus Inc, 14523 SW Millikan Way St., Beaverton, OR 97005-2352

24789663 +TransUnion LLC, PO Box 2000, Chester, PA 19022-2000

Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center.

24806051 +E-mail/PDF: acg.acg.ebn@americaninfosource.com Jan 06 2017 02:34:01 

 Capital One Auto Finance, c/o Ascension Capital Group, P.O. Box 201347,

 Arlington, TX 76006-1347

24801091 +E-mail/PDF: acg.acg.ebn@americaninfosource.com Jan 06 2017 02:33:32 

 Capital One Auto Finance, a division of Capital On, P.O. Box 201347,

 Arlington, TX 76006-1347

25093396 E-mail/PDF: resurgentbknotifications@resurgent.com Jan 06 2017 02:33:52 

 LVNV Funding, LLC its successors and assigns as, assignee of Citibank, N.A.,

 Resurgent Capital Services, PO Box 10587, Greenville, SC 29603-0587

 TOTAL: 3

 ***** BYPASSED RECIPIENTS *****

NONE. TOTAL: 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.

Transmission times for electronic delivery are Eastern Time zone.

Addresses marked ’++’ were redirected to the recipient’s preferred mailing address

pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

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 309): 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 Judiciary’s privacy policies.

Date: Jan 07, 2017 Signature: /s/Joseph Speetjens

_

 CM/ECF NOTICE OF ELECTRONIC FILING

The following persons/entities were sent notice through the court’s CM/ECF electronic mail (Email)

system on January 4, 2017 at the address(es) listed below:

 Joseph S Davidson on behalf of Debtor 1 Raul A Hoare jdavidson@sulaimanlaw.com, 

 courtinfo@sulaimanlaw.com;bkycourtinfo@gmail.com;ECFNotice@sulaimanlaw.com;sulaiman.igotnotices@g

 mail.com;bkecf_sulaiman@bkexpress.info

 Josephine J Miceli on behalf of Creditor Federal National Mortgage Association (Fannie Mae), 

 a corporation organized and existing under the laws of the United States of America 

 Jo@johnsonblumberg.com

 Orlando Velazquez on behalf of Debtor 1 Raul A Hoare ovjd@yahoo.com, 

 mbadwan@sulaimanlaw.com;courtinfo@sulaimanlaw.com;bkycourtinfo@gmail.com;ECFNotice@sulaimanlaw.co

 m;sulaiman.igotnotices@gmail.com;bkecf_sulaiman@bkexpress.info

 Patrick S Layng USTPRegion11.ES.ECF@usdoj.gov

 Todd J Ruchman on behalf of Creditor BANK OF AMERICA, N.A. amps@manleydeas.com

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 Certificate of Notice Page 6 of 7
District/off: 0752-1 User: vrowe Page 2 of 2 Date Rcvd: Jan 05, 2017

 Form ID: pdf003 Total Noticed: 19

The following persons/entities were sent notice through the court’s CM/ECF electronic mail (Email)

system (continued)

 Tom Vaughn ecf@tvch13.net, ecfchi@gmail.com

 TOTAL: 6

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