LF-31 (rev. 10/3/17) Page 1 of 4

 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 Decaria JOINT DEBTOR: CASE NO.: 21-11494-SMG

SS#: xxx-xx- 8935 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. $1,559.25 for months 1 to 6 ;

2. $1,572.45 for months 7 to 12 ;

3. $1,682.45 for months 13 to 48 ;

4. $2,846.61 for months 49 to 60 ;

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

Total Fees: $3500.00 Total Paid: $500.00 Balance Due: $3000.00 

Payable $300.00 /month (Months 1 to 6 )

Payable $200.00 /month (Months 7 to 12 )

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

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: City National Bank

 Address: 25 West Flagler St 

Miami, FL 33130

Arrearage/ Payoff on Petition Date 38,500.00

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

Case 21-11494-SMG Doc 14 Filed 02/22/21 Page 1 of 4
LF-31 (rev. 10/3/17) Page 2 of 4

Debtor(s): Teresa Decaria Case number: 21-11494-SMG

Last 4 Digits of 

Account No.: 0515

Arrears Payment (Cure) $200.00 /month (Months 7 to 12 )

Arrears Payment (Cure) $500.00 /month (Months 13 to 48 )

Arrears Payment (Cure) $1,558.33 /month (Months 49 to 60 )

Regular Payment (Maintain) $700.00 /month (Months 1 to 60 )

Other:

■ Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

19101 SW 57 Ct., 

Southwest Ranches, FL 33332

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: Broward County Tax Collector

 Address: 115 S. Andrews Ave., 

#A100 

Fort Lauderdale, FL 

33301

Last 4 Digits of 

Account No.: 0440

Arrearage/ Payoff on Petition Date $15,600.00 

Arrears Payment (Cure) $260.00 /month (Months 1 to 60 )

Other:

■ Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

19101 SW 57 Ct., 

Southwest Ranches, FL 33332

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: Griffin Road 345 Property HOA

 Address: POB 820493 

Pembroke Pines, FL 

33082

Last 4 Digits of 

Account No.:

Arrearage/ Payoff on Petition Date $1,200.00 

Arrears Payment (Cure) $20.00 /month (Months 1 to 60 )

Regular Payment (Maintain) $37.50 /month (Months 1 to 60 )

Other:

Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

19101 SW 57 Ct., 

Southwest Ranches, FL 33332

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:

Case 21-11494-SMG Doc 14 Filed 02/22/21 Page 2 of 4
LF-31 (rev. 10/3/17) Page 3 of 4

Debtor(s): Teresa Decaria Case number: 21-11494-SMG

B. VALUATION OF COLLATERAL: NONE

IF YOU ARE A SECURED CREDITOR LISTED BELOW, THE PLAN SEEKS TO VALUE THE COLLATERAL 

SECURING YOUR CLAIM IN THE AMOUNT INDICATED. A SEPARATE MOTION WILL ALSO BE SERVED UPON 

YOU PURSUANT TO BR 7004 AND LR 3015-3.

1. REAL PROPERTY: ■ NONE

2. VEHICLES(S): ■ NONE

3. PERSONAL PROPERTY: ■ 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

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 $12.00 /month (Months 7 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

VIII. NON-STANDARD PLAN PROVISIONS ■ NONE

Case 21-11494-SMG Doc 14 Filed 02/22/21 Page 3 of 4
LF-31 (rev. 10/3/17) Page 4 of 4

Debtor(s): Teresa Decaria Case number: 21-11494-SMG

Debtor

Teresa Decaria Date

Attorney with permission to sign on 

Debtor(s)' behalf

Efrain Cortes o/b/o

Date

February 23, 2021

Joint Debtor

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.

Case 21-11494-SMG Doc 14 Filed 02/22/21 Page 4 of 4