2. The trustee faithfully and properly fulfilled the duties enumerated in 11 U.S.C. §704.

UNITED STATES BANKRUPTCY COURT

In re: § Case No.

§

§

§

DRENDEL, LORI A 16-82107

NORTHERN DISTRICT OF ILLINOIS

Debtor(s)

TRUSTEE'S FINAL REPORT (TFR)

The undersigned trustee hereby makes this Final Report and states as follows:

1. A petition under Chapter 7 of the United States Bankruptcy Code

was filed on September 07, 2016. The undersigned trustee was appointed on October 20, 2017.

WESTERN DIVISION

3. All scheduled and known assets of the estate have been reduced to cash, released to

the debtor as exempt property pursuant to 11 U.S.C. § 522, or have been or will be abandoned

pursuant to 11 U.S.C. § 554

disposition of all property of the estate is attached as Exhibit A.

. An individual estate property record and report showing the

$

$

The remaining funds are available for distribution.

Leaving a balance on hand of

Other payments to the debtor

Non-estate funds paid to 3rd Parties

4. The trustee realized the gross receipts of

Funds were disbursed in the following amounts:

Administrative expenses

Other payments to creditors

5,632.00

0.00

0.00

0.00

0.00

5,622.00 1

Payments made under an

interim distribution

Exemptions paid to the debtor

0.00

0.00

Bank service fees 10.00

5. Attached as Exhibit B is a cash receipts and disbursements record for each estate bank

account.

UST Form 101-7-TFR (05/1/2011)

1The balance of funds on hand in the estate may continue to earn interest until disbursed. The interest

earned prior to disbursement will be distributed pro rata to creditors within each priority category. The trustee may

receive additional compensation not to exceed the maximum compensation set forth under 11 U.S.C. § 326(a) on

account of the disbursement of the additional interest.

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 1 of 10
which will receive a distribution have been examined and any objections to the allowance

of claims have been resolved. If applicable, a claims analysis, explaining why payment on any

claim is not being made, is attached as

7. The Trustee's proposed distribution is attached as

Exhibit C

Exhibit D

6. The deadline for filing non-governmental claims in this case was 10/31/2017

.

.

and the deadline for filing governmental claims was 10/31/2017. All claims of each class

8. Pursuant to 11 U.S.C. § 326(a), the maximum compensation allowable to the trustee is

compensation may increase.

received reimbursement for reasonable and necessary expenses in the amount of

$1,313.20. To the extent that additional interest is earned before case closing, the maximum

The trustee has received $0.00 as interim compensation and now requests the

sum of $1,313.20, for a total compensation of $1,313.20. In addition, the trustee

and now requests reimbursement for expenses of $0.00, for total expenses of

$0.00.

$0.00

2

2

/s/JAMES E. STEVENS

Pursuant to Fed R Bank P 5009, I hereby certify, under penalty of perjury, that the

foregoing report is true and correct.

Date: By:

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

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

02/13/2018

Trustee, Bar No.: 3128256

UST Form 101-7-TFR (05/1/2011)

2 If the estate is administratively insolvent, the dollar amounts reflected in this paragraph

may be higher than the amounts listed in the Trustee's Proposed Distribution (Exhibit D)

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 2 of 10
Filed (f) or Converted (c):

Claims Bar Date:

Form 1

Individual Estate Property Record and Report

Asset Cases

Period Ending: 02/13/18

Trustee: JAMES E. STEVENS

Asset Description

(Scheduled And Unscheduled (u) Property)

Petition/

Unscheduled

Values

Estimated Net Value

(Value Determined By Trustee,

Less Liens, Exemptions,

and Other Costs)

Property

Abandoned

OA=§554(a)

Sale/Funds

Received by

the Estate

Asset Fully

Administered (FA)/

Gross Value of

Remaining Assets

1 2 3 4 5 6

Case Number:

Page: 1

16-82107

10/31/17

Ref. #

Case Name: DRENDEL, LORI A

§341(a) Meeting Date: 10/13/16

09/07/16 (f)

(330420)

Exhibit A

1 306 S. Locust St, Genoa, IL 140,000.00 0.00 0.00 FA

Checking: Illinois Community Credit Union

Value changed per Amended Schedules filed

2/23/17.

2 0.00 0.00 0.00 FA

3 Rental deposit: Jerry Losey - Landlord 775.00 0.00 0.00 FA

4 Household Goods and Furnishings 330.00 0.00 0.00 FA

Lawn Mower, Weed Eater, Exercise Equipment

Assets removed per Amended Schedule B filed

2/23/17.

5 0.00 0.00 0.00 FA

6 Camera 100.00 0.00 0.00 FA

7 Books, Pictures, Art 50.00 0.00 0.00 FA

8 Clothing 100.00 0.00 0.00 FA

9 Jewelry 250.00 0.00 0.00 FA

Tent, sleeping bags, air matress, fishing poles,

Assets removed per Amended Schedule B filed

2/23/17.

10 0.00 0.00 0.00 FA

11 Global Accidental Life: Lori A. Drendel 0.00 0.00 0.00 FA

12 IMRF 3,700.00 0.00 0.00 FA

Federal Tax Return - 4,000

Asset removed per Amended Schedule B filed

2/23/17.

13 0.00 0.00 0.00 FA

Inheritance-Great Aunt

Value and exemption changed per Amended

Schedules B and C filed 2/23/17.

14 3,900.00 10,000.00 5,632.00 FA

2006 Chevy Trail Blazer

Asset removed per Amended Schedule B filed

2/23/17.

15 0.00 0.00 0.00 FA

16 2002 Chevy Malibu 100.00 0.00 0.00 FA

17 2014 Chevy Cruze 12,000.00 0.00 0.00 FA

18 1 Dog & 2 Cats 0.00 0.00 0.00 FA

18 Assets Totals (Excluding unknown values) $161,305.00 $10,000.00 $5,632.00 $0.00

Printed: 02/13/2018 11:13 AM V.13.32

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 3 of 10
Filed (f) or Converted (c):

Claims Bar Date:

Form 1

Individual Estate Property Record and Report

Asset Cases

Period Ending: 02/13/18

Trustee: JAMES E. STEVENS

Asset Description

(Scheduled And Unscheduled (u) Property)

Petition/

Unscheduled

Values

Estimated Net Value

(Value Determined By Trustee,

Less Liens, Exemptions,

and Other Costs)

Property

Abandoned

OA=§554(a)

Sale/Funds

Received by

the Estate

Asset Fully

Administered (FA)/

Gross Value of

Remaining Assets

1 2 3 4 5 6

Case Number:

Page: 2

16-82107

10/31/17

Ref. #

Case Name: DRENDEL, LORI A

§341(a) Meeting Date: 10/13/16

09/07/16 (f)

(330420)

Exhibit A

Major Activities Affecting Case Closing:

Initial Projected Date Of Final Report (TFR): December 31, 2018 Current Projected Date Of Final Report (TFR): February 6, 2018 (Actual)

Printed: 02/13/2018 11:13 AM V.13.32

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 4 of 10
Blanket Bond:

Separate Bond:

Description of Transaction

Form 2

Cash Receipts And Disbursements Record

02/13/18

Taxpayer ID #: **-***8802

Case Number:

Bank Name:

$4,396,000.00 (per case limit)

******9466 - Checking Account

Rabobank, N.A.

Trans.

Date

{Ref #} /

Check # Paid To / Received From

Receipts

$

Disbursements

$ Account Balance

Checking

Trustee: JAMES E. STEVENS (330420)

Page: 1

16-82107

Case Name: DRENDEL, LORI A

N/A

1 2 3 4 5 6 7

Account:

Period Ending:

T-Code

Exhibit B

01/22/18 {14} LUCILLE SCHNEIDER ESTATE Inheritance 1129-000 5,632.00 5,632.00

01/31/18 Rabobank, N.A. Bank and Technology Services Fee 2600-000 10.00 5,622.00

ACCOUNT TOTALS 5,632.00 10.00 $5,622.00

Less: Bank Transfers 0.00 0.00

Subtotal 5,632.00 10.00

Less: Payments to Debtors 0.00

NET Receipts / Disbursements $5,632.00 $10.00

5,632.00 10.00 5,622.00

Net

Receipts

Net

Disbursements

Account

Balances

Checking # ******9466

TOTAL - ALL ACCOUNTS

$5,632.00 $10.00 $5,622.00

{} Asset reference(s) Printed: 02/13/2018 11:13 AM V.13.32

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 5 of 10
Case: 16-82107 DRENDEL, LORI A

Exhibit C

Claim # Date

Amount

Filed

Amount

Allowed

Paid

to Date

Proposed

Payment

Printed: 02/13/18 11:13 AM Page: 1

Claim

Pri Balance

Claimant /

Proof / <Category> / Memo

Admin Ch. 7 Claims:

Barrick, Switzer, Long, Balsley & Van

Evera

09/07/16 1,755.00 1,755.00 1,755.00 1,755.00

Rockford, IL 61108

6833 Stalter Drive

0.00

<3110-00 Attorney for Trustee Fees (Trustee Firm)>

200

09/07/16 JAMES E. STEVENS 1,313.20 1,313.20 1,313.20 1,313.20

Rockford, IL 61108

6833 Stalter Drive

0.00

<2100-00 Trustee Compensation>

200

Total for Priority 200: 100% Paid $3,068.20 $3,068.20 $0.00 $3,068.20 $3,068.20

Total for Admin Ch. 7 Claims: $3,068.20 $3,068.20 $0.00 $3,068.20 $3,068.20

Unsecured Claims:

1 08/03/17 Discover Bank 3,634.64 3,634.64 3,634.64 68.89

New Albany, OH 43054-3025

Discover Products Inc

PO Box 3025

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

2 08/29/17 Capital One, N.A. 1,095.01 1,095.01 1,095.01 20.75

Malvern, PA 19355-0701

c/o Becket and Lee LLP

PO Box 3001

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

3 09/08/17 US DEPARTMENT OF EDUCATION 18,751.49 18,751.49 18,751.49 355.39

ATLANTA, GA 30353-0229

PO BOX 530229

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

4 09/08/17 US DEPARTMENT OF EDUCATION 23,746.68 23,746.68 23,746.68 450.07

ATLANTA, GA 30353-0229

PO BOX 530229

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

5 09/08/17 US DEPARTMENT OF EDUCATION 43,812.00 0.00 0.00 0.00

MADISON, WI 53708-8973

CLAIMS FILING UNIT

PO BOX 8973

See Amended Claim No. 5-2 filed 9/8/17.

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

5 -2 09/08/17 US DEPARTMENT OF EDUCATION 43,812.00 43,812.00 43,812.00 830.36

ATLANTA, GA 30353-0229

PO BOX 530229

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 6 of 10
Case: 16-82107 DRENDEL, LORI A

Exhibit C

Claim # Date

Amount

Filed

Amount

Allowed

Paid

to Date

Proposed

Payment

Printed: 02/13/18 11:13 AM Page: 2

Claim

Pri Balance

Claimant /

Proof / <Category> / Memo

6 09/08/17 US DEPARTMENT OF EDUCATION 19,966.23 19,966.23 19,966.23 378.42

ATLANTA, GA 30353

PO BOX 530229

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

7 09/08/17 First Midwest Bank 672.35 672.35 672.35 12.74

Gurnee, IL 60031

300 North Hunt Club Road

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

8 09/19/17 MERRICK BANK 711.05 711.05 711.05 13.48

Greenville, SC 29603-0368

Resurgent Capital Services

PO Box 10368

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

PYOD, LLC its successors and assigns

as assignee

9 09/19/17 901.37 901.37 901.37 17.08

Greenville, SC 29602

of Citibank, N.A.

Resurgent Capital Services,PO Box 19008

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

Bureaus Investment Group Portfolio No

15 LLC

10 09/27/17 17,079.25 17,079.25 17,079.25 323.70

Norfolk, VA 23541

c/o PRA Receivables Management, LLC

PO Box 41031

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

11 10/31/17 U.S. Bank National Association 4,374.89 4,374.89 4,374.89 82.92

Cincinnati, OH 45201-5227

PO Box 5227

0.00

<7100-00 General Unsecured § 726(a)(2)>

610

Total for Priority 610: 1.89528% Paid $178,556.96 $134,744.96 $0.00 $134,744.96 $2,553.80

Total for Unsecured Claims: $178,556.96 $134,744.96 $0.00 $134,744.96 $2,553.80

Total for Case : $181,625.16 $137,813.16 $0.00 $137,813.16 $5,622.00

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 7 of 10
Case No.:

Case Name:

Trustee Name:

Exhibit D

16-82107

DRENDEL, LORI A

JAMES E. STEVENS

TRUSTEE'S PROPOSED DISTRIBUTION

Claims of secured creditors will be paid as follows:

Claimant Proposed

Payment

Balance on hand: $ 5,622.00

Claim

No.

Interim Payments

to Date

Allowed Amount

of Claim

Claim

Asserted

None

Remaining balance: $ 5,622.00

Total to be paid to secured creditors: $ 0.00

Applications for chapter 7 fees and administrative expenses have been filed as follows:

Reason/Applicant Interim Payments

to Date

Proposed

Payment

Total Requested

Trustee, Fees - JAMES E. STEVENS 1,313.20 0.00 1,313.20

Attorney for Trustee, Fees - Barrick, Switzer, Long, Balsley 1,755.00

& Van Evera

0.00 1,755.00

Remaining balance: $ 2,553.80

Total to be paid for chapter 7 administration expenses: $ 3,068.20

Applications for prior chapter fees and administrative expenses have been filed as follows:

Reason/Applicant Interim Payments

to Date

Proposed

Payment

Total Requested

None

Remaining balance: $ 2,553.80

Total to be paid for prior chapter administrative expenses: $ 0.00

In addition to the expenses of administration listed above as may be allowed by the

Allowed priority claims are:

general (unsecured) creditors.

Court, priority claims totaling $0.00 must be paid in advance of any dividend to

Claim 

No

Proposed

Payment

Claimant Allowed Amount

of Claim

Interim Payments

to Date

None

UST Form 101-7-TFR (05/1/2011)

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 8 of 10
The actual distribution to wage claimants included above, if any, will be the proposed

payment less applicable withholding taxes (which will be remitted to the appropriate taxing

authorities).

Remaining balance: $ 2,553.80

Total to be paid for priority claims: $ 0.00

Timely allowed general (unsecured) claims are as follows:

Claim 

No

Proposed

Payment

Claimant Allowed Amount

of Claim

only after all allowed administrative and priority claims have been paid in full.

Timely claims of general (unsecured) creditors totaling $ 134,744.96 have been allowed and

The timely allowed general (unsecured) dividend is anticipated to be 1.9 percent,

will be paid pro rata

Interim Payments

to Date

plus interest (if applicable).

1 Discover Bank 3,634.64 0.00 68.89

2 Capital One, N.A. 1,095.01 0.00 20.75

3 US DEPARTMENT OF EDUCATION 18,751.49 0.00 355.39

4 US DEPARTMENT OF EDUCATION 23,746.68 0.00 450.07

5 US DEPARTMENT OF EDUCATION 0.00 0.00 0.00

5 -2 US DEPARTMENT OF EDUCATION 43,812.00 0.00 830.36

6 US DEPARTMENT OF EDUCATION 19,966.23 0.00 378.42

7 First Midwest Bank 672.35 0.00 12.74

8 MERRICK BANK 711.05 0.00 13.48

PYOD, LLC its successors and assigns as

assignee

9 901.37 0.00 17.08

Bureaus Investment Group Portfolio No 15

LLC

10 17,079.25 0.00 323.70

11 U.S. Bank National Association 4,374.89 0.00 82.92

Remaining balance: $ 0.00

Total to be paid for timely general unsecured claims: $ 2,553.80

UST Form 101-7-TFR (05/1/2011)

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 9 of 10
Tardily filed general (unsecured) claims are as follows:

allowed and will be paid pro rata only after all allowed administrative, priority and timely filed

Tardily filed claims of general (unsecured) creditors totaling $ 0.00 have been

to be 0.0 percent, plus interest (if applicable).

general (unsecured) claims have been paid in full. The tardily filed claim dividend is anticipated

Claim 

No

Proposed

Payment

Claimant Allowed Amount

of Claim

Interim Payments

to Date

None

Remaining balance: $ 0.00

Total to be paid for tardy general unsecured claims: $ 0.00

Subordinated unsecured claims for fines, penalties, forfeitures or damages and claims

ordered subordinated by the Court are as follows:

pro rata only after all allowed administrative, priority and general (unsecured) claims have been paid

ordered subordinated by the Court totaling $ 0.00 have been allowed and will be paid

in full. The dividend for subordinated unsecured claims is anticipated to be 0.0 percent,

Subordinated unsecured claims for fines, penalties, forfeitures, or damages and claims

Claim 

No

Proposed

Payment

Claimant Allowed Amount

of Claim

Interim Payments

to Date

plus interest (if applicable).

None

Remaining balance: $ 0.00

Total to be paid for subordinated claims: $ 0.00

UST Form 101-7-TFR (05/1/2011)

Case 16-82107 Doc 27 Filed 03/09/18 Entered 03/09/18 16:20:04 Desc Main

 Document Page 10 of 10