UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

In re: 

RUTH M ROMAN

Debtor(s)

Case No. 16-29204

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 09/13/2016.

2) The plan was confirmed on NA .

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 08/30/2017.

6) Number of months from filing to last payment: 11.

7) Number of months case was pending: 14.

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 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 $1,606.55

Less amount refunded to debtor $1,532.63

NET RECEIPTS: $73.92

Expenses of Administration:

Attorney’s Fees Paid Through the Plan $0.00

Court Costs $0.00

Trustee Expenses & Compensation $73.92

Other $0.00

TOTAL EXPENSES OF ADMINISTRATION: $73.92

Attorney fees paid and disclosed by debtor: $4,000.00

Scheduled Creditors:

Creditor

Name Class

Claim

Scheduled

Claim

Asserted

Claim

Allowed

Int.

Paid

Principal

Paid

AMERICAN EXPRESS Unsecured 6,583.00 5,472.86 5,472.86 0.00 0.00

CAPITAL ONE BANK USA Unsecured 1,786.00 1,786.34 1,786.34 0.00 0.00

CAPITAL ONE BANK USA Unsecured 1,537.00 1,537.55 1,537.55 0.00 0.00

CAPITAL ONE BANK USA Unsecured 641.00 641.98 641.98 0.00 0.00

CHASE CC Unsecured 5,985.00 NA NA 0.00 0.00

CHASE CC Unsecured 5,811.00 NA NA 0.00 0.00

CHASE CC Unsecured 5,702.00 NA NA 0.00 0.00

CHASE CC Unsecured 4,797.00 NA NA 0.00 0.00

CHASE CC Unsecured 2,790.00 NA NA 0.00 0.00

CITI Unsecured 3,299.00 NA NA 0.00 0.00

DEVRY INC Unsecured 2,400.00 2,400.00 2,400.00 0.00 0.00

DISCOVER BANK Unsecured 9,305.00 NA NA 0.00 0.00

DISCOVER BANK Unsecured 9,080.00 NA NA 0.00 0.00

DISCOVER BANK Unsecured 2,285.00 NA NA 0.00 0.00

DISCOVER BANK Unsecured 920.00 943.50 943.50 0.00 0.00

DSNB MACYS Unsecured 487.00 NA NA 0.00 0.00

MIDLAND FUNDING Unsecured 286.00 286.06 286.06 0.00 0.00

MIDLAND FUNDING Unsecured 407.00 407.11 407.11 0.00 0.00

MIDWEST IMAGING PROFESSIONALS Unsecured 82.00 NA NA 0.00 0.00

ONEMAIN Unsecured NA 4,465.26 4,465.26 0.00 0.00

ONEMAIN FINANCIAL Unsecured NA 8,716.66 8,716.66 0.00 0.00

PENNYMAC LOAN SERVICES LLC Secured 118,831.47 113,842.53 118,831.47 0.00 0.00

PENNYMAC LOAN SERVICES LLC Unsecured NA NA 4,988.94 0.00 0.00

PENNYMAC LOAN SERVICES LLC Secured NA 4,988.94 4,988.94 0.00 0.00

PRA RECEIVABLES MGMT Unsecured 2,216.00 2,216.90 2,216.90 0.00 0.00

PRA RECEIVABLES MGMT Unsecured 6,679.00 6,679.28 6,679.28 0.00 0.00

PRESENCE OUR LADY OF RESURREC Unsecured 359.00 NA NA 0.00 0.00

QUANTUM3 GROUP LLC Unsecured 2,797.00 2,797.18 2,797.18 0.00 0.00

QUANTUM3 GROUP LLC Unsecured NA 399.00 399.00 0.00 0.00

RESURGENT CAPITAL SERVICES Unsecured 1,857.00 1,876.57 1,876.57 0.00 0.00

RESURGENT CAPITAL SERVICES Unsecured 4,181.00 4,181.59 4,181.59 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

SALLIE MAE Unsecured 22,706.00 23,488.48 23,488.48 0.00 0.00

SALLIE MAE Unsecured 21,541.00 NA NA 0.00 0.00

SALLIE MAE Unsecured 12,396.00 NA NA 0.00 0.00

SALLIE MAE BANK Unsecured 7,941.00 8,178.83 8,178.83 0.00 0.00

SALLIE MAE BANK Unsecured 18,469.00 19,068.70 19,068.70 0.00 0.00

SALLIE MAE BANK Unsecured NA 12,796.03 12,796.03 0.00 0.00

SALLIE MAE BANK Unsecured 6,765.00 22,519.53 22,519.53 0.00 0.00

SPRINGLEAF FINANCIAL SERVICES Unsecured 4,305.00 NA NA 0.00 0.00

SYNCB Unsecured 407.00 NA NA 0.00 0.00

SYNCB Unsecured 2,535.00 NA NA 0.00 0.00

SYNCB Unsecured 672.00 NA NA 0.00 0.00

TD BANK USA Unsecured 458.00 489.40 489.40 0.00 0.00

US DEPT OF ED NELNET Unsecured 7,000.00 79,784.84 79,784.84 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 6,485.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 6,000.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 5,500.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 4,500.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 4,489.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 3,500.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 3,500.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 3,000.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 3,000.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 2,750.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 2,250.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 1,779.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 1,583.00 NA NA 0.00 0.00

US DEPT OF EDUCATION/NELNET Unsecured 500.00 NA NA 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

$118,831.47

$4,988.94

$0.00

$0.00

$123,820.41

$0.00

$0.00

$0.00

$0.00

$216,122.59

Principal

Paid

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

Interest

Paid

$0.00

$0.00

$0.00

$0.00

$0.00

$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 $73.92

Disbursements to Creditors $0.00

TOTAL DISBURSEMENTS : $73.92

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: 11/07/2017

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/ Tom Vaughn

Trustee

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

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