LF-31 (rev. 10/3/17) Page 1 of 5

 UNITED STATES BANKRUPTCY COURT, SOUTHERN DISTRICT OF FLORIDA

www.flsb.uscourts.gov

CHAPTER 13 PLAN (Individual Adjustment of Debts)

n

Original Plan 

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

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

DEBTOR: FORNARO, TODD JOINT DEBTOR:FORNARO, JESSICA CASE NO.: 20-11900-EPK

SS#: xxx-xx- 2595 SS#: xxx-xx-4033

I. 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 n Not included

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

out in Section III Included n Not included

Nonstandard provisions, set out in Section VIII n 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. $949.30 for months 1 to 5 ;

2. $849.06 for months 6 to 60 ;

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

Total Fees: $7100.00 Total Paid: $290.00 Balance Due: $6810.00 

Payable $212.00 /month (Months 1 to 5 )

Payable $261.37 /month (Months 6 to 27 )

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

 $4500 + $2600 MMM = $7,100

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

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:

1. Creditor: Victoria Parc at Tradition Assoc., Inc.

 Address: c/o Avant-Garde 

Management 

759 SW Federal Highway, 

Suite 316, Stuart, FL 

34994

Last 4 Digits of 

Arrearage/ Payoff on Petition Date $4,561.02 

Arrears Payment (Cure) $20.00 /month (Months 1 to 5 )

Arrears Payment (Cure) $81.11 /month (Months 6 to 60 )

Regular Payment (Maintain) $178.00 /month (Months 1 to 60 )

Case 20-11900-EPK Doc 44 Filed 07/08/20 Page 1 of 5
LF-31 (rev. 10/3/17) Page 2 of 5

Debtor(s): FORNARO, TODD, FORNARO, JESSIC Case number: 20-11900-EPK

Account No.: 0218

Other:

n Real Property

n Principal Residence

Other Real Property

Address of Collateral:

10070 SW Newberry Ave., Port St. Lucie, FL 34987

Check one below for Real Property:

Escrow is included in the regular payments

The debtor(s) will pay taxes insurance directly

Personal Property/Vehicle 

Description of Collateral:

2. Creditor: Tradition Community Assoc., Inc.

 Address: 10807 SW Tradition 

Square, Port St. Lucie, FL 

34987

Last 4 Digits of 

Account No.: 9955

Arrearage/ Payoff on Petition Date $10,241.55 

Arrears Payment (Cure) $20.00 /month (Months 1 to 5 )

Arrears Payment (Cure) $68.39 /month (Months 6 to 27 )

Arrears Payment (Cure) $261.73 /month (Months 28 to 60 )

Regular Payment (Maintain) $183.00 /month (Months 1 to 60 )

Other:

n Real Property

n Principal Residence

Other Real Property

Address of Collateral:

10070 SW Newberry Ave., Port St. Lucie, FL 34987

Check one below for Real Property:

Escrow is included in the regular payments

The debtor(s) will pay taxes insurance directly

Personal Property/Vehicle 

Description of Collateral:

3. Creditor: Lakeview Loan Servicing, LLC

 Address: C/O M & T Bank 

Bankruptcy Dept. 

POB 840 

Buffalo, NY 14240

Last 4 Digits of 

Account No.: 5846

Arrearage/ Payoff on Petition Date

MMM Adequate Protection $250.00 /month (Months 1 to 5 )

Other:

n Real Property

Principal Residence

Other Real Property

Address of Collateral:

10070 SW Newberry Ave., Port St. Lucie, FL 34987

Check one below for Real Property:

n Escrow is included in the regular payments

The debtor(s) will pay taxes insurance directly

Personal Property/Vehicle 

Description of Collateral:

B. VALUATION OF COLLATERAL: n NONE

C. LIEN AVOIDANCE n NONE

Case 20-11900-EPK Doc 44 Filed 07/08/20 Page 2 of 5
LF-31 (rev. 10/3/17) Page 3 of 5

Debtor(s): FORNARO, TODD, FORNARO, JESSIC Case number: 20-11900-EPK

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.

n 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

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. 

n

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

1.

St. Lucie County Tax 

Collector

10070 SW Newberry Ave., Port St. Lucie, FL 34987

2.

M&T Bank 5846 10070 SW Newberry Ave., Port St. Lucie, FL 34987

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: n NONE

B. INTERNAL REVENUE SERVICE: n NONE

C. DOMESTIC SUPPORT OBLIGATION(S): n NONE

D. OTHER: n NONE

V. TREATMENT OF UNSECURED NONPRIORITY CREDITORS

A. Pay $68.03 /month (Months 28 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: n 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.

n NONE

VII. INCOME TAX RETURNS AND REFUNDS: NONE

n Debtor(s) will not provide tax returns unless requested by any interested party pursuant to 11 U.S.C. § 521.

VIII. NON-STANDARD PLAN PROVISIONS NONE

Nonstandard provisions must be set forth below. A nonstandard provision is a provision not otherwise included in the Local 

Form or deviating from it. Nonstandard provisions set out elsewhere in this plan are void.

n

Debtor will treat creditor, M & T Bank, directly outside the plan by either selling, refinancing, curing, re-applying for loan 

modification or defending against any foreclosure action with any possible defenses available. In the event of any of the aforesaid 

remiedies occuring, debtor will modify the plan accordingly. Debtor further agrees to relief from the stay for the creditor, M & T 

Bank , as debtor is not treated the creditor in the Chapter 13 plan. 

n Mortgage Modification Mediation 

Case 20-11900-EPK Doc 44 Filed 07/08/20 Page 3 of 5
LF-31 (rev. 10/3/17) Page 4 of 5

Debtor(s): FORNARO, TODD, FORNARO, JESSIC Case number: 20-11900-EPK

1 The debtor has filed a Verified Motion for Referral to MMM with:

M & T Bank ("Lender")

loan number XXXXXXXXX5846

for real property located at 10070 SW Newberry Ave, Port Saint Lucie, FL 34987

The parties shall timely comply with all requirements of the Order of Referral to MMM and all Administrative Orders/Local 

Rules regarding MMM. While the MMM is pending and until the trial/interim payment plan or the permanent mortgage 

modification/permanent payment is established by the parties, absent Court order to the contrary, the debtor has included a postpetition monthly plan payment (a) with respect to the debtor’s homestead, of no less than the lower of the prepetition monthly 

contractual mortgage payment or 31% of the debtor’s gross monthly income (after deducting any amount paid toward HOA fees 

due for the property) and (b) with respect to income producing property, of no less than 75% of the gross income generated by 

such property, as a good faith adequate protection payment to the lender. All payments shall be considered timely upon receipt 

by the trustee and not upon receipt by the lender. 

Until the MMM is completed and the Final Report of Mortgage Modification Mediator is filed, any objection to the lender’s 

proof of claim on the real property described above shall be held in abeyance as to the regular payment and mortgage arrearage 

stated in the proof of claim only. The debtor shall assert any and all other objections to the proof of claim prior to confirmation 

of the plan or modified plan. 

If the debtor, co-obligor/co-borrower or other third party (if applicable) and the lender agree to a settlement as a result of the 

pending MMM, the debtor will file the MMM Local Form “Ex Parte Motion to Approve Mortgage Modification Agreement 

with Lender” (or Self-Represented Debtor’s Motion to Approve Mortgage Modification Agreement with Lender) no later than 

14 calendar days following settlement. Once the settlement is approved by the Court, the debtor shall immediately amend or 

modify the plan to reflect the settlement and the lender shall amend its Proof of Claim to reflect the settlement, as applicable. 

If a settlement is reached after the plan is confirmed, the debtor will file a motion to modify the plan no later than 30 calendar 

days following approval of the settlement by the Court and the Lender shall have leave to amend its Proof of Claim to reflect 

the settlement reached after confirmation of the plan. The parties will then timely comply with any and all requirements 

necessary to complete the settlement. 

In the event the debtor receives any financial benefit from the lender as part of any agreement, the debtor shall immediately 

disclose the financial benefit to the Court and the trustee and amend or modify the plan accordingly. 

If the lender and the debtor fail to reach a settlement, then no later than 14 calendar days after the mediator’s Final Report is 

filed, the debtor will amend or modify the plan to (a) conform to the lender’s Proof of Claim (if the lender has filed a Proof of 

Claim), without limiting the Debtor’s right to object to the claim or proceed with a motion to value; or (b) provide that the real 

property will be “treated outside the plan.” If the property is “treated outside the plan,” the lender will be entitled to in rem stay 

relief to pursue available state court remedies against the property. Notwithstanding the foregoing, lender may file a motion to 

confirm that the automatic stay is not in effect as to the real property. 

Confirmation of the plan will be without prejudice to the assertion of any rights the lender has to address payment of its Proof 

of Claim. 

Case 20-11900-EPK Doc 44 Filed 07/08/20 Page 4 of 5
LF-31 (rev. 10/3/17) Page 5 of 5

Debtor(s): FORNARO, TODD, FORNARO, JESSIC Case number: 20-11900-EPK

Debtor

FORNARO, TODD Date

Attorney with permission to sign on 

Debtor(s)' behalf

Date

Joint Debtor

FORNARO, JESSICA Date

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. 

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.

/s/ Todd Fornaro 7/8/2020 /s/ Jessica Fornaro 7/8/2020

Case 20-11900-EPK Doc 44 Filed 07/08/20 Page 5 of 5