UNITED STATES BANKRUPTCY COURT

SOUTHERN DISTRICT OF FLORIDA

WEST PALM BEACH DIVISION

www.flsb.uscourts.gov

IN RE: CASE NO.: 20-14372 MAM

ROBERT J. MOCKOVIAK AND Chapter 11

SANDRA H. MOCKOVIAK

Debtors.

_________________________________/

LQD BUSINESS FINANCE, LLC’S OBJECTION TO THE DEBTORS’

CLAIMED EXEMPTION TENANCY BY THE ENTIRETY

1. The Debtors filed for relief under Chapter 11 of title 11, United States Code 

(11 U.S.C.§§ 101, et seq., the “Bankruptcy Code”) on April 10, 2020.

2. On Schedule C of the Debtors’ Schedules [D.E. #50], the Debtors claimed 

that the following assets were exempt as tenancy by the entireties:

Asset Scheduled Value

27 Grasmere Way, Princeton, NJ $1,800,000.00

8773 Sandy Crest Lane, Boynton Beach $450,000.00

2727 Aquetong Road, Solebury, PA $3,500,000.00

2 Vespa Scooters $1,500.00

Household Goods $1,145,250.00

Electronics $500.00

Collectibles of Value $893,200.00

Sports and Hobby Equipment $28,300.00

Firearms $5,000.00

Case 20-14372-MAM Doc 85 Filed 06/11/20 Page 1 of 4
Clothing $263,500.00

Jewelry $851,700.00

10 Retired Horses $0.00

Cash $2,600.00

Bank of America Acct #7991 $31,973.00

3. Schedule F indicates that the Debtors have many joint debts, including, but 

not limited to, Bank of America, Chase Card Services, MacDonald Weiss, Ricco Building 

Group, White Glove Transportation.

4. Property held by husband and wife as tenants by the entireties belongs to

neither spouse individually, but each spouse is seized of the whole . . . . When property is

held as a tenancy by the entireties, the property is not divisible on behalf of one spouse

alone, and therefore it cannot be reached to satisfy the obligation of only one spouse. Beal

Bank, SSB v. Almand & Assocs., 780 So. 2d 45, 53 (Fla. 2001); Musolino v. Sinnreich (In

re Musolino), 391 F.3d 1295, 1297, 2004 U.S. App. LEXIS 24693, *3, Bankr. L. Rep. (CCH)

P80,201, 18 Fla. L. Weekly Fed. C 53.

5. In this matter, and as set forth by the Debtors in their Schedules, the Debtors

have many joint debt obligations. As such, the Debtors are ineligible for the Tenancy by

the Entirety exemption.

6. Based on the foregoing, Business Finance, LLC objects to the Debtors’ 

claimed exemption of Tenancy by the Entirety on Schedule C.

WHEREFORE, LQD Business Finance, LLC respectfully requests that the Court 

enter an Order denying the Debtors’ use of the Tenancy by the Entirety exemption and for 

other such relief as this Court deems just and proper. 

Case 20-14372-MAM Doc 85 Filed 06/11/20 Page 2 of 4
CERTIFICATE OF SERVICE

I HEREBY CERTIFY that I am admitted to the Bar of the United States District Court 

for the Southern District of Florida and I am in compliance with the additional qualifications 

to practice in this court set forth in Local Rule 2090-1(A) and that a true and correct copy of 

the foregoing was furnished via U. S. Mail to the parties on the attached mail list this 11th

day of June 2020.

KELLEY, FULTON & KAPLAN, P.L.

Attorneys for Creditor

1665 Palm Beach Lakes Boulevard

The Forum- Suite 1000

West Palm Beach, Florida 33401

Telephone: (561) 491-1200

Facsimile: (561) 684-3773

By: /s/ Craig I. Kelley

Craig I. Kelley, Esq.

Florida Bar No.: 782203

Mailing Information for Case 20-14372-MAM

Electronic Mail Notice List

The following is the list of parties who are currently on the list to receive email 

notice/service for this case.

• Stefan Beuge flsd.bankruptcy@phelanhallinan.com, 

Stefan.Beuge@phelanhallinan.com

• Carmen Contreras-Martinez carmen.contreras-martinez@saul.com, 

aida.mclaughlin@saul.com;mia-ctdocs@saul.com

• Heidi A Feinman Heidi.A.Feinman@usdoj.gov

• Andrew Fulton IV andrew@kelleylawoffice.com, 

tina@kelleylawoffice.com;cassandra@kelleylawoffice.com;kristina@kelleylawoffice.

com;debbie@kelleylawoffice.com;dana@kelleylawoffice.com

• Dana L Kaplan dana@kelleylawoffice.com, 

tina@kelleylawoffice.com;cassandra@kelleylawoffice.com;kristina@kelleylawoffice.

com;debbie@kelleylawoffice.com;craig@kelleylawoffice.com

• Craig I Kelley craig@kelleylawoffice.com, 

tina@kelleylawoffice.com;cassandra@kelleylawoffice.com;kristina@kelleylawoffice.

com;debbie@kelleylawoffice.com;dana@kelleylawoffice.com

• Orfelia M Mayor omayor@ombankruptcy.com, legalservices@pbctax.com

• Office of the US Trustee USTPRegion21.MM.ECF@usdoj.gov

• Ivan J Reich ireich@nasonyeager.com, kchang@nasonyeager.com

• Luis Salazar Luis@Salazar.Law, Ceide@salazar.law;LeeSin@Salazar.Law;Rivera@Salazar.Law

Case 20-14372-MAM Doc 85 Filed 06/11/20 Page 3 of 4
• Wendy J Wasserman wwasserman@mlg-defaultlaw.com, mlgfl-bk@mlgdefaultlaw.com;ecf@mlg-defaultlaw.com

Manual Notice List

The following is the list of parties who are not on the list to receive email notice/service 

for this case (who therefore require manual noticing/service). You may wish to use your 

mouse to select and copy this list into your word processing program in order to create 

notices or labels for these recipients.

BMW Financial Services NA, LLC, c/o AIS Portfolio Services, LP

4515 N Santa Fe Ave. Dept. APS

Oklahoma City, OK 73118

Harry J. Giacometti

1835 Market St #1050

Philadelphia, PA 19103

Damien Nicholas Tancredi

1835 Market St #1050

Philadelphia, PA 19103

Steven D. Usdin

1835 Market St #1050

Philadelphia, PA 19103

Jason A. Welt

401 E Las Olas Blvd #1400

Ft Lauderdale, FL 33301

Robert J. Mockoviak

9968 Equus Circle

Boynton Beach, FL 33472

Sandra H. Mockoviak

9968 Equus Circle

Boynton Beach, FL 33472

Case 20-14372-MAM Doc 85 Filed 06/11/20 Page 4 of 4