UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

In re: 

Michele L Neal

Debtor(s)

Case No. 16-27495

CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT AND ACCOUNT

Glenn Stearns, 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 08/26/2016.

2) The plan was confirmed on 11/18/2016.

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 dismissed on 04/28/2017.

6) Number of months from filing to last payment: 9.

7) Number of months case was pending: 10.

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

9) Total value of assets exempted: $4,194.00.

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

11) All checks distributed by the trustee relating to this case have cleared the bank.

UST Form 101-13-FR-S (9/1/2009)

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Receipts:

Total paid by or on behalf of the debtor $5,400.00

Less amount refunded to debtor $1,765.60

NET RECEIPTS: $3,634.40

Expenses of Administration:

Attorney’s Fees Paid Through the Plan $2,385.00

Court Costs $0.00

Trustee Expenses & Compensation $233.40

Other $0.00

TOTAL EXPENSES OF ADMINISTRATION: $2,618.40

Attorney fees paid and disclosed by debtor: $0.00

Scheduled Creditors:

Creditor

Name Class

Claim

Scheduled

Claim

Asserted

Claim

Allowed

Int.

Paid

Principal

Paid

AMERICASH LOANS LLC Unsecured 3,500.00 1,099.66 1,099.66 0.00 0.00

BECKET & LEE LLP Unsecured 1,418.00 1,561.45 1,561.45 0.00 0.00

CAPITAL ONE AUTO FINANCE Secured 12,730.00 9,300.00 9,300.00 857.20 158.80

CAPITAL ONE AUTO FINANCE Unsecured NA 3,405.68 3,405.68 0.00 0.00

CAPITAL ONE BANK USA Unsecured 1,939.00 2,299.52 2,299.52 0.00 0.00

CAPITAL ONE BANK USA Unsecured 2,747.00 2,908.36 2,908.36 0.00 0.00

CAVALRY SPV I LLC Unsecured 811.00 1,826.31 1,826.31 0.00 0.00

COMENITY BANK Unsecured 423.00 512.08 512.08 0.00 0.00

COMENITY BANK Unsecured 434.00 925.64 925.64 0.00 0.00

DEPARTMENT STORE NATIONAL BA Unsecured 242.00 326.71 326.71 0.00 0.00

HEIGHTS FINANCE Unsecured 1,369.00 1,407.56 1,407.56 0.00 0.00

JEFFERSON CAPITAL SYSTEMS Unsecured 3,435.00 3,475.99 3,475.99 0.00 0.00

MIDLAND CREDIT MGMT AGENT FOR Unsecured 863.00 918.84 918.84 0.00 0.00

MIDLAND CREDIT MGMT AGENT FOR Unsecured 472.00 482.76 482.76 0.00 0.00

MIDLAND CREDIT MGMT AGENT FOR Unsecured 1,507.00 1,607.44 1,607.44 0.00 0.00

PORTFOLIO RECOVERY ASSOC Unsecured 3,666.00 3,783.53 3,783.53 0.00 0.00

PORTFOLIO RECOVERY ASSOC Unsecured 492.00 529.15 529.15 0.00 0.00

QUANTUM3 GROUP Unsecured 330.00 413.49 413.49 0.00 0.00

CBNA Unsecured 158.00 NA NA 0.00 0.00

ARGON CREDIT Unsecured 3,500.00 NA NA 0.00 0.00

TD BANK USA NA Unsecured 1,862.00 2,371.58 2,371.58 0.00 0.00

US DEPARTMENT OF EDUCATION Unsecured 0.00 0.00 0.00 0.00 0.00

US DEPARTMENT OF EDUCATION Unsecured 0.00 0.00 0.00 0.00 0.00

UST Form 101-13-FR-S (9/1/2009)

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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

$9,300.00

$0.00

$9,300.00

$0.00

$0.00

$0.00

$0.00

$29,855.75

Principal

Paid

$0.00

$0.00

$857.20

$0.00

$857.20

$0.00

$0.00

$0.00

$0.00

$0.00

Interest

Paid

$0.00

$0.00

$158.80

$0.00

$158.80

$0.00

$0.00

$0.00

$0.00

$0.00

Disbursements:

Expenses of Administration $2,618.40

Disbursements to Creditors $1,016.00

TOTAL DISBURSEMENTS : $3,634.40

12) The trustee certifies that, pursuant to Federal Rule of Bankruptcy Procedure 5009, 

the estate has been fully administered, the foregoing summary is true and complete, and all 

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

requests a final decree be entered that discharges the trustee and grants such other relief as may 

be just and proper.

Dated: 07/07/2017

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/ Glenn Stearns

Trustee

UST Form 101-13-FR-S (9/1/2009)

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