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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 

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

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

DEBTOR: Jeffrey R. Delgado JOINT DEBTOR: Joanna Delgado CASE NO.: 20-10986-SMG 

SS#: xxx-xx- 8820 SS#: xxx-xx-4736 

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 ■ 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. $852.50 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: 

1. Creditor: Deutsche Bank National Trust Company c/o Specialized Loan Servicing, LLC 

Address: P.O. Box 636007 

Littleton, CO 80163 

Last 4 Digits of 

Account No.: 6097 

Other: 

Arrearage/ Payoff on Petition Date $37,000.00 

Arrears Payment (Cure) $100.00 /month (Months 1 to 6 ) 

Arrears Payment (Cure) $325.00 /month (Months 7 to 7 ) 

Arrears Payment (Cure) $680.67 /month (Months 8 to 60 ) 

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Payable $675.00 /month (Months 1 to 6 ) 

Payable $450.00 /month (Months 7 to 7 ) 

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

$4,500.00 For Attorney Fees 

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

+ Total Fees: $4500.00 Total Paid: $0.00 Balance Due: $4500.00 

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Case 20-10986-SMG Doc 36 Filed 04/15/20 Page 1 of 3
Debtor(s): Jeffrey R. Delgado, Joanna Delgado Case number: 20-10986-SMG 

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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 

The debtor(s) elect to surrender to each creditor listed below the collateral that secures the creditor’s claim. 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. 

 Other: 

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

Nissan Motor Acceptance 

1. PO Box 660366 

3404 Vehicle: 2017 Nissan Murano S 4D 

VIN: 5N1AZ2MGXHN179591 

Dallas, TX 75266-0366 

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. 

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

PHH Mortgage 

1. 1 Mortgage Way 

Mount Laurel, NJ 

0080 Homestead: 9235 NW 55 Street Sunrise, FL 33351 

08054-4637 

J&L Property Management, 

2. Inc. 

PO Box 62807 

7091 Homestead: 9235 NW 55 Street Sunrise, FL 33351 

Orlando, FL 32801-8207 

Personal Energy/Ra/Con 

3. 16409 W Bernardo Dr 

3905 Homestead: 9235 NW 55 Street Sunrise, FL 33351 

San Diego, CA 92127-1877 

Ally Financial 

4. PO Box 380901 

Bloomington, MN 

0587 Vehicle: 2015 Lexus RX 350 Base 4D SUV 

VIN: 2T2ZK1BA5FC156395 

55438-0901 

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 

■ The debtor(s) will pay ■ taxes ■ insurance directly 

Check one below for Real Property: 

Escrow is included in the regular payments 

■ Real Property

■ Principal Residence 

Other Real Property 

Address of Collateral: 

9235 NW 55 Street 

Sunrise, FL 33351 

Personal Property/Vehicle 

Description of Collateral: 

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Case 20-10986-SMG Doc 36 Filed 04/15/20 Page 2 of 3
Debtor(s): Jeffrey R. Delgado, Joanna Delgado Case number: 20-10986-SMG 

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A. Pay $0.00 /month (Months 1 to 7 ) Pay 

 $94.33 /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 

VII. INCOME TAX RETURNS AND REFUNDS: NONE 

Debtor(s) shall provide copies of yearly income tax returns to the Trustee (but not file with the Court) no later than May 

15th during the pendency of the Chapter 13 case. In the event the debtor(s)’ disposable income or tax refunds increase, 

debtor(s) shall increase payments to unsecured creditors over and above payments provided through the Plan up to 100% of 

allowed unsecured claims. [Broward/Palm Beach cases] 

VIII. NON-STANDARD PLAN PROVISIONS NONE 

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 

Jeffrey R. Delgado Date 

Joint Debtor 

Joanna Delgado Date 

/s/ Chad T. Van Horn, Esq. 

Attorney with permission to sign on 

Debtor(s)' behalf 

April 15, 2020 

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. 

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Case 20-10986-SMG Doc 36 Filed 04/15/20 Page 3 of 3