UST Form 101-7-TFR (5/1/2011)

UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

In re: §

§

§

§

§

§

Case No. 16-27628

CYNTHIA MARIE BENNETT

Debtor

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 08/29/2016. The 

undersigned trustee was appointed on 08/29/2016.

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

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. An individual estate property record and report showing the disposition of all 

property of the estate is attached as Exhibit A.

4. The trustee realized gross receipts of $7,566.50

Funds were disbursed in the following amounts:

Payments made under an interim distribution $0.00

Administrative expenses $0.00

Bank service fees $27.57

Other Payments to creditors $0.00

Non-estate funds paid to 3rd Parties $0.00

Exemptions paid to the debtor $0.00

Other payments to the debtor $540.26

Leaving a balance on hand of1 $6,998.67

The remaining funds are available for distribution.

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

 

1 The balance on funds on hand in the estate may continue to earn interest until disbursed. The interest earned prior to disbursements 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 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 1 of 12
UST Form 101-7-TFR (5/1/2011)

6. The deadline for filing non-governmental claims in this case was 01/25/2017 and the deadline 

for filing government claims was 02/27/2017. All claims of each class 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 Exhibit C.

7. The Trustee’s proposed distribution is attached as Exhibit D.

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

$1,452.62. To the extent that additional interest is earned before case closing, the maximum 

compensation may increase.

The trustee has received $0.00 as interim compensation and now requests the sum of $1,452.62, 

for a total compensation of $1,452.622. In addition, the trustee received reimbursement for reasonable 

and necessary expenses in the amount of $0.00, and now requests reimbursement for expenses of 

$12.82, for total expenses of $12.82.

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

report is true and correct.

Date: 02/27/2018 By: /s/ David P. Leibowitz

Trustee

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.

 

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 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 2 of 12
BENNETT, CYNTHIA MARIE 08/29/2016 (f)

16-27628

Page No: 1

Date Filed (f) or Converted (c):

Trustee Name: David Leibowitz

Case Name:

Case No.:

FORM 1

INDIVIDUAL ESTATE PROPERTY RECORD AND REPORT

ASSET CASES

Exhibit A

Asset Description

(Scheduled and

Unscheduled (u) Property)

1 2

 Petition/

Unscheduled

Value

3

Estimated Net Value

(Value Determined by

Trustee,

Less Liens, Exemptions,

and Other Costs)

Property

 Abandoned 

OA =§ 554(a) abandon.

4 5

Sales/Funds

Received by 

the Estate

6

Asset Fully Administered (FA)/

Gross Value of Remaining Assets

For the Period Ending: §341(a) Meeting Date: 

Claims Bar Date:

2/27/2018 09/22/2016

01/25/2017

Ref. #

1 Used personal household furniture and $3,000.00 $0.00 $0.00

goods/items

FA

2 Used personal clothing and accessories $500.00 $0.00 $0.00 FA

3 Cash on hand $22.00 $0.00 $0.00 FA

4 Checking Account with US Bank $6,955.50 $5,997.00 $5,977.50 FA

Asset Notes: Updated amounts for account balance and exemption per amended schedules filed 10/28/16 (dkt 23)

5 401(k) Through Employer $2,000.00 $0.00 $0.00 FA

6 2016 Tax Refund (u) $0.00 $1,048.74 $1,589.00 FA

Asset Notes: Debtor's Pro-Rated Portion: $540.26

TOTALS (Excluding unknown value) Gross Value of Remaining Assets

$12,477.50 $7,045.74 $7,566.50 $0.00 

Initial Projected Date Of Final Report (TFR): 10/09/2017 Current Projected Date Of Final Report (TFR):

DAVID LEIBOWITZ

/s/ DAVID LEIBOWITZ

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 3 of 12
Green Bank

David Leibowitz

BENNETT, CYNTHIA MARIE

16-27628

FORM 2

CASH RECEIPTS AND DISBURSEMENTS RECORD

Case Name: Bank Name:

Case No. Trustee Name: 

Page No: 1 Exhibit B

Account Title: Bennett, Cynthia

Primary Taxpayer ID #:

Co-Debtor Taxpayer ID #: 

**-***1181 Checking Acct #: ******2801

For Period Ending: 2/27/2018

Blanket bond (per case limit): $5,000,000.00 

Separate bond (if applicable):

For Period Beginning: 8/29/2016

1

Transaction

Date

2

Check /

Ref. #

3

Paid to/

Received From

4

Description of Transaction

5

Deposit

$

6

Disbursement

$

Uniform

Tran Code

7

Balance

11/30/2016 (4) BENNETT, CYNTHIA MARIE Payment for non-exempt funds in Debtor's bank account 1129-000 $1,600.00 $1,600.00 

as of Petition Date (1 of 6)

12/30/2016 Green Bank Bank Service Fee 2600-000 $2.58 $1,597.42 

01/23/2017 (4) BENNETT, CYNTHIA MARIE Payment for non-exempt funds in Debtor's bank account 1129-000 $937.00 $2,534.42 

as of Petition Date (2 of 6)

01/31/2017 Green Bank Bank Service Fee 2600-000 $2.96 $2,531.46 

02/14/2017 (4) BENNETT, CYNTHIA MARIE Payment for non-exempt funds in Debtor's bank account 1129-000 $1,000.00 $3,531.46 

as of Petition Date (3 of 6)

02/14/2017 (4) BENNETT, CYNTHIA MARIE Payment for non-exempt funds in Debtor's bank account 1129-000 $1,000.00 $4,531.46 

as of Petition Date (4 of 6)

02/28/2017 Green Bank Bank Service Fee 2600-000 $5.14 $4,526.32 

03/20/2017 (4) BENNETT, CYNTHIA MARIE Payment for non-exempt funds in Debtor's bank account 1129-000 $730.00 $5,256.32 

as of Petition Date (5 of 6)

03/31/2017 Green Bank Bank Service Fee 2600-000 $8.30 $5,248.02 

04/06/2017 BENNETT, CYNTHIA MARIE Payment for non-exempt funds in Debtor's bank account * $730.00 $5,978.02 

as of Petition Date (6 of 6)

{4} non-exempt funds $19.50 1280-002 $5,978.02 

{4} Payment for non-exempt funds in $710.50 1129-000 $5,978.02 

Debtor's bank account as of Petition Date 

(6 of 6)

04/28/2017 Green Bank Bank Service Fee 2600-000 $8.59 $5,969.43 

05/30/2017 US Treasury 2016 Federal Income Tax Refund * $1,589.00 $7,558.43 

{6} Estate Portion - 2016 Federal Income Tax $1,048.74 1224-000 $7,558.43 

Refund

{6} Debtor's Pro-Rated Portion - 2016 Federal $540.26 1280-000 $7,558.43 

Income Tax Refund

05/31/2017 Green Bank Bank Service Fee 2600-000 $9.71 $7,548.72 

05/31/2017 3001 CYNTHIA BENNETT Debtor's Pro-Rated Portion - 2016 Federal Income Tax 8500-002 $540.26 $7,008.46 

Refund

06/01/2017 Green Bank Reverse bank fee 2600-000 ($9.71) $7,018.17 

SUBTOTALS $7,586.00 $567.83 

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 4 of 12
Green Bank

David Leibowitz

BENNETT, CYNTHIA MARIE

16-27628

FORM 2

CASH RECEIPTS AND DISBURSEMENTS RECORD

Case Name: Bank Name:

Case No. Trustee Name: 

Page No: 2 Exhibit B

Account Title: Bennett, Cynthia

Primary Taxpayer ID #:

Co-Debtor Taxpayer ID #: 

**-***1181 Checking Acct #: ******2801

For Period Ending: 2/27/2018

Blanket bond (per case limit): $5,000,000.00 

Separate bond (if applicable):

For Period Beginning: 8/29/2016

1

Transaction

Date

2

Check /

Ref. #

3

Paid to/

Received From

4

Description of Transaction

5

Deposit

$

6

Disbursement

$

Uniform

Tran Code

7

Balance

01/08/2018 3002 CYNTHIA BENNETT Refund to Debtor due to overpayment for non-exempt 1280-002 ($19.50) $6,998.67 

funds in bank account

TOTALS:

Less: Bank transfers/CDs

Subtotal

Less: Payments to debtors

Net

$7,566.50 $567.83 

$0.00 $0.00 

$7,566.50 $567.83 

$0.00 $0.00 

$7,566.50 $567.83 $6,998.67 

Total Compensable Receipts:

Total Non-Compensable Receipts:

Total Comp/Non Comp Receipts:

Total Internal/Transfer Receipts:

Total Compensable Disbursements:

Total Non-Compensable Disbursements:

Total Comp/Non Comp Disbursements:

Total Internal/Transfer Disbursements:

$7,566.50 

$0.00 

$7,566.50 

$27.57 

$540.26 

$567.83 

$0.00 

$0.00 

For the period of 8/29/2016 to 2/27/2018

$7,566.50 

$0.00 

$27.57 

$540.26 

$7,566.50 

$567.83 

$0.00 

Total Compensable Receipts:

Total Non-Compensable Receipts:

Total Comp/Non Comp Receipts:

Total Internal/Transfer Receipts:

Total Compensable Disbursements:

Total Non-Compensable Disbursements:

Total Comp/Non Comp Disbursements:

For the entire history of the account between 11/30/2016 to 2/27/2018

Total Internal/Transfer Disbursements: $0.00 

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 5 of 12
Green Bank

David Leibowitz

BENNETT, CYNTHIA MARIE

16-27628

FORM 2

CASH RECEIPTS AND DISBURSEMENTS RECORD

Case Name: Bank Name:

Case No. Trustee Name: 

Page No: 3 Exhibit B

Account Title: Bennett, Cynthia

Primary Taxpayer ID #:

Co-Debtor Taxpayer ID #: 

**-***1181 Checking Acct #: ******2801

For Period Ending: 2/27/2018

Blanket bond (per case limit): $5,000,000.00 

Separate bond (if applicable):

For Period Beginning: 8/29/2016

1

Transaction

Date

2

Check /

Ref. #

3

Paid to/

Received From

4

Description of Transaction

5

Deposit

$

6

Disbursement

$

Uniform

Tran Code

7

Balance

TOTAL - ALL ACCOUNTS NET DEPOSITS DISBURSE

NET

BALANCES

ACCOUNT

$7,566.50 $567.83 $6,998.67 

Total Compensable Receipts:

Total Non-Compensable Receipts:

Total Comp/Non Comp Receipts:

Total Internal/Transfer Receipts:

Total Compensable Disbursements:

Total Non-Compensable Disbursements:

Total Comp/Non Comp Disbursements:

Total Internal/Transfer Disbursements:

For the period of 8/29/2016 to 2/27/2018

$7,566.50 

$567.83 

$7,566.50 

$0.00 

$27.57 

$540.26 

$0.00 

$0.00 

Total Compensable Receipts:

Total Non-Compensable Receipts:

Total Comp/Non Comp Receipts:

Total Internal/Transfer Receipts:

Total Compensable Disbursements:

Total Non-Compensable Disbursements:

Total Comp/Non Comp Disbursements:

For the entire history of the case between 08/29/2016 to 2/27/2018

$7,566.50 

$0.00 

$27.57 

$540.26 

$7,566.50 

$567.83 

$0.00 

Total Internal/Transfer Disbursements: $0.00 

/s/ DAVID LEIBOWITZ

DAVID LEIBOWITZ

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 6 of 12
CLAIM ANALYSIS REPORT Page No: 1

Exhibit C

Case Name:

Case No.

BENNETT, CYNTHIA MARIE

16-27628

Date: 2/27/2018

Trustee Name: David Leibowitz

Claims Bar Date: 01/25/2017

Claim 

No.:

Creditor Name Claim 

Class 

Uniform

Tran 

Code

Amount 

Allowed

Amount 

Paid

Net

Remaining 

Balance

Claim Interest Tax

Status

DAVID P. LEIBOWITZ Trustee 

Compensatio

n

Allowed 2100-000 $1,452.62 $0.00 $0.00 $0.00 $1,452.62 

53 West Jackson 

Boulevard, Suite 1115

Chicago IL 60604

DAVID P. LEIBOWITZ Trustee 

Expenses

Allowed 2200-000 $12.82 $0.00 $0.00 $0.00 $12.82 

53 West Jackson 

Boulevard, Suite 1115

Chicago IL 60604

LAKELAW Attorney for 

Trustee 

Expenses 

(Trustee 

Firm)

Allowed 3120-000 $2.68 $0.00 $0.00 $0.00 $2.68 

53 West Jackson 

Boulevard

Suite 1610

Chicago IL 60604

LAKELAW Attorney for 

Trustee Fees 

(Trustee 

Firm)

Allowed 3110-000 $865.00 $0.00 $0.00 $0.00 $865.00 

53 West Jackson 

Boulevard

Suite 1610

Chicago IL 60604

U.S. BANK NATIONAL 

ASSOCIATION

Payments to 

Unsecured 

Credit Card 

Holders

1 Allowed 7100-900 $1,920.43 $0.00 $0.00 $0.00 $1,920.43 

Bankruptcy Department

PO Box 108

St. Louis MO 

63166-0108

CAPITAL ONE BANK 

(USA), N.A. BY 

AMERICAN 

INFOSOURC

Tardy 

General 

Unsecured § 

726(a)(3)

2 Withdrawn 7200-000 $0.00 $0.00 $0.00 $0.00 $0.00 

PO Box 71083

Charlotte NC 

28272-1083

CAPITAL ONE BANK 

(USA), N.A. BY 

AMERICAN 

INFOSOURC

Tardy 

General 

Unsecured § 

726(a)(3)

2a Withdrawn 7200-000 $0.00 $0.00 $0.00 $0.00 $0.00 

PO Box 71083

Charlotte NC 

28272-1083

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 7 of 12
CLAIM ANALYSIS REPORT Page No: 2

Exhibit C

Case Name:

Case No.

BENNETT, CYNTHIA MARIE

16-27628

Date: 2/27/2018

Trustee Name: David Leibowitz

Claims Bar Date: 01/25/2017

Claim 

No.:

Creditor Name Claim 

Class 

Uniform

Tran 

Code

Amount 

Allowed

Amount 

Paid

Net

Remaining 

Balance

Claim Interest Tax

Status

CAPITAL ONE BANK 

(USA), N.A. BY 

AMERICAN 

INFOSOURC

Tardy 

General 

Unsecured § 

726(a)(3)

3 Withdrawn 7200-000 $0.00 $0.00 $0.00 $0.00 $0.00 

PO Box 71083

Charlotte NC 

28272-1083

CAPITAL ONE BANK 

(USA), N.A. BY 

AMERICAN 

INFOSOURC

Tardy 

General 

Unsecured § 

726(a)(3)

3a Withdrawn 7200-000 $0.00 $0.00 $0.00 $0.00 $0.00 

PO Box 71083

Charlotte NC 

28272-1083

CAPITAL ONE BANK 

(USA), N.A., BY 

AMERICAN 

INFOSOURCE LP AS 

AGENT

Tardy 

General 

Unsecured § 

726(a)(3)

4 Allowed 7200-000 $9,624.04 $0.00 $0.00 $0.00 $9,624.04 

PO Box 71083

Charlotte NC 

28272-1083

Claim Notes: Judgment

CAPITAL ONE BANK 

(USA), N.A. BY 

AMERICAN 

INFOSOURCE LP AS 

AGENT

Tardy 

General 

Unsecured § 

726(a)(3)

5 Allowed 7200-000 $11,254.59 $0.00 $0.00 $0.00 $11,254.59 

PO Box 71083

Charlotte NC 

28272-1083

Claim Notes: Judgment

$25,132.18 $0.00 $0.00 $0.00 $25,132.18 

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 8 of 12
CLAIM ANALYSIS REPORT Page No: 3

Exhibit C

Case Name:

Case No.

BENNETT, CYNTHIA MARIE

16-27628

Date: 2/27/2018

Trustee Name: David Leibowitz

Claims Bar Date: 01/25/2017

CLAIM CLASS SUMMARY TOTALS

Claim Class Claim 

Amount

Amount 

Allowed

Amount 

Paid

Net

Remaining 

Balance

Interest Tax

Attorney for Trustee Expenses $2.68 $2.68 $0.00 $0.00 $2.68 

(Trustee Firm)

$0.00 

Attorney for Trustee Fees (Trustee $865.00 $865.00 $0.00 $0.00 $865.00 

Firm)

$0.00 

Payments to Unsecured Credit Card $1,920.43 $1,920.43 $0.00 $0.00 $1,920.43 

Holders

$0.00 

Tardy General Unsecured § 726(a) $41,757.26 $20,878.63 $0.00 $0.00 $20,878.63 

(3)

$0.00 

Trustee Compensation $1,452.62 $1,452.62 $0.00 $0.00 $0.00 $1,452.62 

Trustee Expenses $12.82 $12.82 $0.00 $0.00 $0.00 $12.82 

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 9 of 12
UST Form 101-7-TFR (5/1/2011)

Exhibit D

TRUSTEE’S PROPOSED DISTRIBUTION

Case No.: 16-27628

Case Name: CYNTHIA MARIE BENNETT

Trustee Name: David P. Leibowitz

Balance on hand: $6,998.67

Claims of secured creditors will be paid as follows: NONE

Total to be paid to secured creditors: $0.00

Remaining balance: $6,998.67

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

Reason/Applicant Total 

Requested

Interim 

Payments to 

Date

Proposed 

Payment

David P. Leibowitz, Trustee Fees $1,452.62 $0.00 $1,452.62 

David P. Leibowitz, Trustee Expenses $12.82 $0.00 $12.82 

Lakelaw, Attorney for Trustee Fees $865.00 $0.00 $865.00 

Lakelaw, Attorney for Trustee Expenses $2.68 $0.00 $2.68 

Total to be paid for chapter 7 administrative expenses: $2,333.12

Remaining balance: $4,665.55

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

NONE

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

Remaining balance: $4,665.55

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

priority claims totaling $0.00 must be paid in advance of any dividend to general (unsecured) creditors.

Allowed priority claims are: NONE

Total to be paid to priority claims: $0.00

Remaining balance: $4,665.55

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 10 of 12
UST Form 101-7-TFR (5/1/2011)

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).

Timely claims of general (unsecured) creditors totaling $1,920.43 have been allowed and will be 

paid pro rata only after all allowed administrative and priority claims have been paid in full. The timely 

allowed general (unsecured) dividend is anticipated to be 100.0 percent, plus interest (if applicable).

Timely allowed general (unsecured) claims are as follows: 

Claim No. Claimant Allowed Amt. 

of Claim 

Interim 

Payments to 

Date 

Proposed 

Amount 

1 U.S. Bank National Association $1,920.43 $0.00 $1,920.43 

Total to be paid to timely general unsecured claims: $1,920.43

Remaining balance: $2,745.12

Tardily filed claims of general (unsecured) creditors totaling $20,878.63 have been allowed and 

will be paid pro rata only after all allowed administrative, priority and timely filed general (unsecured) 

claims have been paid in full. The tardily filed claim dividend is anticipated to be 13.1 percent, plus 

interest (if applicable).

Tardily filed general (unsecured) claims are as follows: 

Claim No. Claimant Allowed Amt. 

of Claim 

Interim 

Payments to 

Date 

Proposed 

Amount 

4 Capital One Bank (USA), N.A., by 

American InfoSource LP as agent 

$9,624.04 $0.00 $1,265.37 

5 Capital One Bank (USA), N.A. by 

American InfoSource LP as agent 

$11,254.59 $0.00 $1,479.75 

Total to be paid to tardily filed general unsecured claims: $2,745.12

Remaining balance: $0.00

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

subordinated by the Court totaling $0.00 have been allowed and will be paid pro rata only after all 

allowed administrative, priority and general (unsecured) claims have been paid in full. The dividend for 

subordinated unsecured claims is anticipated to be 0.0 percent, plus interest (if applicable).

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

subordinated by the Court are as follows: NONE

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 11 of 12
UST Form 101-7-TFR (5/1/2011)

Total to be paid for subordinated claims: $0.00

Remaining balance: $0.00

Case 16-27628 Doc 35 Filed 03/13/18 Entered 03/13/18 20:53:52 Desc Main

 Document Page 12 of 12