LF-31 (rev. 10/3/17) Page 1 of 3

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UNITED STATES BANKRUPTCY COURT, SOUTHERN DISTRICT OF FLORIDA

www.flsb.uscourts.gov

CHAPTER 13 PLAN (Individual Adjustment of Debts)

Original Plan

Amended Plan (Indicate 1st, 2nd, etc. Amended, if applicable) 

Modified Plan (Indicate 1st, 2nd, etc. Modified, if applicable)

DEBTOR: Teresa Lorenzo JOINT DEBTOR: CASE NO.: 19-15141-JKO

SS#: xxx-xx- 4611 SS#: xxx-xxI. NOTICES

To Debtors: Plans that do not comply with local rules and judicial rulings may not be confirmable. All plans, amended plans 

and modified plans shall be served upon all creditors and a certificate of service filed with the Clerk pursuant to 

Local Rules 2002-1 (C)(5), 3015-1(B)(2), and 3015-2. Debtor(s) must commence plan payments within 30 days of 

filing the chapter 13 petition or within 30 days of entry of the order converting the case to chapter 13.

To Creditors: Your rights may be affected by this plan. You must file a timely proof of claim in order to be paid. Your claim may 

be reduced, modified or eliminated.

To All Parties: The plan contains no nonstandard provisions other than those set out in paragraph VIII. Debtor(s) must check one 

box on each line listed below in this section to state whether the plan includes any of the following:

The valuation of a secured claim, set out in Section III, which may result in a

partial payment or no payment at all to the secured creditor Included ■ Not included

Avoidance of a judicial lien or nonpossessory, nonpurchase-money security interest, set

out in Section III Included ■ Not included

Nonstandard provisions, set out in Section VIII Included ■ Not included

II. PLAN PAYMENTS, LENGTH OF PLAN AND DEBTOR(S)' ATTORNEY'S FEE

A. MONTHLY PLAN PAYMENT: This Plan pays for the benefit of the creditors the amounts listed below, including trustee's

fees of 10%, beginning 30 days from the filing/conversion date. In the event the trustee does not retain the full 10%, any unused

amount will be paid to unsecured nonpriority creditors pro-rata under the plan:

1. $632.50 for months 1 to 60 ; 

B. DEBTOR(S)' ATTORNEY'S FEE: NONE PRO BONO

III. TREATMENT OF SECURED CLAIMS

A. SECURED CLAIMS: NONE

[Retain Liens pursuant to 11 U.S.C. §1325 (a)(5)] Mortgage(s)/Lien on Real or Personal Property:

B. VALUATION OF COLLATERAL: NONE

C. LIEN AVOIDANCE NONE

D. SURRENDER OF COLLATERAL: Secured claims filed by any creditor granted stay relief in this section shall not receive a

distribution fom the Chapter 13 Trustee.

NONE

E. DIRECT PAYMENTS: Secured claims filed by any creditor granted stay relief in this section shall not receive a distribution

fom the Chapter 13 Trustee.

 NONE

Payable $575.00 /month (Months 1 to 6 )

Payable $50.00 /month (Months 7 to 7 ) 

Allowed fees under LR 2016-l(B)(2) are itemized below:

$3,500 for Attorney Fees

Applications for compensation must be filed for all fees over and above the Court's Guidelines for Compensation.

+ Total Fees: $3500.00 Total Paid: $0.00 Balance Due: $3500.00

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Case 19-15141-JKO Doc 13 Filed 04/30/19 Page 1 of 3
LF-31 (rev. 10/3/17) Page 2 of 3

Debtor(s): Teresa Lorenzo Case number: 19-15141-JKO

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The debtor(s) elect to make payments directly to each secured creditor listed below. The debtor(s) request that upon 

confirmation of this plan the automatic stay be terminated in rem as to the debtor(s) and in rem and in personam as to any 

codebtor(s) as to these creditors. Nothing herein is intended to terminate or abrogate the debtor(s)' state law contract rights.

Name of Creditor Last 4 Digits of Account No. Description of Collateral (Address, Vehicle, etc.)

Home Point Financial C

1. 4849 Greenville Ave

Dallas, TX 75206-4130

8784 Homestead: 5955 SW 99 Terrace Cooper City, FL 33328

Crossroads at Sterling HOA,

2. Inc.

5965 SW 99th Ter

Cooper City, FL 33328-5743

N/A Homestead: 5955 SW 99 Terrace Cooper City, FL 33328

IV. TREATMENT OF FEES AND PRIORITY CLAIMS [as defined in 11 U.S.C. §507 and 11 U.S.C. § 1322(a)(4)]

A. ADMINISTRATIVE FEES OTHER THAN DEBTORS(S)'ATTORNEY'S FEE: NONE

B. INTERNAL REVENUE SERVICE: NONE

C. DOMESTIC SUPPORT OBLIGATION(S): NONE

D. OTHER: NONE

V. TREATMENT OF UNSECURED NONPRIORITY CREDITORS

A. Pay $0.00 /month (Months 1 to 6 )

Pay $525.00 /month (Months 7 to 7 )

Pay $575.00 /month (Months 8 to 60 )

Pro rata dividend will be calculated by the Trustee upon review of filed claims after bar date.

B. If checked, the Debtor(s) will amend/modify to pay 100% to all allowed unsecured nonpriority claims.

C. SEPARATELY CLASSIFIED: NONE

*Debtor(s) certify the separate classification(s) of the claim(s) listed above will not prejudice other unsecured nonpriority

creditors pursuant to 11 U.S.C. § 1322.

VI. EXECUTORY CONTRACTS AND UNEXPIRED LEASES: Secured claims filed by any creditor/lessor granted stay relief in this

section shall not receive a distribution from the Chapter 13 Trustee.

 NONE

Unless provided for under a separate section, the debtor(s) request that upon confirmation of this plan, the automatic stay be 

terminated in rem as to the debtor(s) and in rem and in personam as to any codebtor(s) as to these creditors/lessors. Nothing 

herein is intended to terminate or abrogate the debtor(s)' state law contract rights.

Name of Creditor Collateral Acct. No. (Last 4 Digits) Assume/Reject

American Honda Finance

1. PO Box 1027

Alpharetta, GA 30009-1027

2017 Honda Accord N/A

Assume Reject

VII. INCOME TAX RETURNS AND REFUNDS: NONE

VIII. NON-STANDARD PLAN PROVISIONS NONE

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Case 19-15141-JKO Doc 13 Filed 04/30/19 Page 2 of 3
LF-31 (rev. 10/3/17) Page 3 of 3

Debtor(s): Teresa Lorenzo Case number: 19-15141-JKO

PROPERTY OF THE ESTATE WILL VEST IN THE DEBTOR(S) UPON PLAN CONFIRMATION.

I declare that the foregoing chapter 13 plan is true and correct under penalty of perjury.

Debtor 4/30/2019 Joint Debtor

Teresa Lorenzo Date Date

/s/ Chad T. Van Horn, Esq.

Attorney with permission to sign on 

Debtor(s)' behalf

4/30/2019 

Date

By filing this document, the Attorney for Debtor(s) or Debtor(s), if not represented by counsel, certifies that the wording and 

order of the provisions in this Chapter 13 plan are identical to those contained in Local Form Chapter 13 Plan and the plan 

contains no nonstandard provisions other than those set out in paragraph VIII.

Case 19-15141-JKO Doc 13 Filed 04/30/19 Page 3 of 3