CGFD26 (3/22/21)

ORDERED in the Southern District of Florida on February 24, 2022

A. Jay Cristol

United States Bankruptcy Judge

United States Bankruptcy Court

 Southern District of Florida

www.flsb.uscourts.gov

Case Number: 21−17001−AJC

Chapter: 13

In re: (Debtor(s) name(s) used by the debtor(s) in the last 8 years, including married, maiden, and trade)

Yolanda Ruffin

9700 Biscayne Blvd

Miami, FL 33138

SSN: xxx−xx−1498

ORDER CONFIRMING CHAPTER 13 PLAN

 This cause came before the court on 2/15/22 for confirmation of the debtor's proposed First

Amended chapter 13 plan pursuant to Local Rule 3015−3(B)(2). Based on the record, including the

debtor's "Certificate of Compliance and Request for Confirmation on Chapter 13 Plan", it is

ORDERED as follows:

1. The debtor's chapter 13 plan (the "Plan") meets with the provisions of 11 U.S.C. § 1325 and, if

applicable, § 521 and 1308, and is, therefore, confirmed in accordance with its terms.

2. Any claim entitled to priority under 11 U.S.C. § 507 shall be paid in full, in periodic installments, in

the order of priority prescribed by the Bankruptcy Code over the period of the Plan as required by 11

U.S.C. § 1322(a)(2), with postpetition interest as required by 11 U.S.C. § 506(b) payable on the

secured portion of the claim.

__________________________

1

 All references to "Debtor" shall include and refer to both Debtors in a case filed jointly by two individuals.

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3. The debtor's first monthly payment to the Trustee under the Plan was required to commence not

later than 30 days following July 19, 2021, the date the petition was filed, or within 30 days from the

date of conversion to chapter 13. The Trustee shall begin disbursement to creditors pursuant to the

Plan as soon as practicable upon entry of this order.

4. If the Plan does not provide for payments to a secured creditor, the Plan provides for surrender of

the property secured by the secured creditor's claim or the Plan provides for direct payment of the

secured creditor's claim outside of the Plan, such creditor is granted in rem stay relief as to the

debtor and in rem stay relief from the co−debtor stay to pursue available state court remedies

against any property of the debtor that secures the creditor's claim. The filing of a Motion to Modify a

Plan does not operate as a stay of any action against property of the debtor which is not subject to

the automatic stay absent further order of the court.

5. Any executory contract or unexpired lease of the debtor which has not been assumed pursuant to

court order prior to entry of this order, or which is not assumed in the Plan confirmed by this order, is

deemed rejected upon entry of this order.

6. If the confirmed plan in this case provides for payment to holder(s) of tax certificates on property of

the debtor, the following provisions shall apply:

A. To ensure that the records of the County Tax Collector credit amounts received by

certificate holders, upon receipt of information pursuant to subparagraph B below, the

Tax Collector is ordered to adjust the County tax records and reduce both the amount

owed on tax certificates and the amount of the tax lien to reflect payments made by the

Chapter 13 Trustee to certificate holders under the confirmed plan.

B. The Tax Collector shall be served with any order entered post−confirmation which (a)

dismisses or converts this case; (b) grants stay relief to the holder of a secured claim on

the property subject to the tax certificates; (c) approves a sale or refinancing of the

property subject to the tax certificates; (d) modifies the plan to eliminate further payments

to one or more certificate holders; or (e) discharges the debtor upon completion of the

plan. Upon receipt of any such order, the Tax Collector shall request a ledger from the

Chapter 13 Trustee reflecting the amounts paid to certificate holders under the confirmed

plan, or obtain the ledger information by accessing the Chapter 13 Trustee's website.

C. During the period in which the certificate holders are receiving payments under the

confirmed plan, unless otherwise ordered, the Tax Collector is enjoined from accepting a

redemption payment for any certificate which is included in the plan. This injunction will

dissolve without further order of the Court if (a) one of the orders described in

subparagraph B is entered; and (b) the County has complied with the requirements in

subparagraph A by reducing both the amount owed on any certificate paid or partially

paid under the plan and the amount of the tax lien by the amount paid to the certificate

holder as reflected in the Chapter 13 Trustee's ledger.

7. Pursuant to Local Rule 3070−1(C)(2), if the debtor fails to timely make any Plan payment to the

Trustee, the Trustee may serve a "Notice of Delinquency" upon the debtor and the debtor's attorney.

The debtor shall have 45 days from the date of the "Notice of Delinquency" to make all payments

due under the Plan, including any payments that become due within the 45−day period. If the debtor

is seeking to cure the delinquency in a modified plan the debtor must file a motion to modify the

confirmed plan within 14 days of the date of the "Notice of Delinquency". If the debtor is not current

with plan payments on the 45th day after the date of the "Notice of Delinquency", the Trustee shall

file and serve a report of non−compliance and the case will be dismissed without further notice or

hearing. The court will not extend these deadlines absent extraordinary circumstances.

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8. To the extent the Plan sought a determination of valuation pursuant to Bankruptcy Rule 3012, and

no objections were filed or any objections were resolved, the terms of the Plan will be binding upon

the affected secured creditors, and any allowed proof of claim will be secured only to the extent of

the value as provided for in the Plan and unsecured as to the balance of the claim.

9. Nonstandard provisions must be set forth in Paragraph VIII of the Plan being confirmed.

Nonstandard provisions set forth elsewhere in the Plan are void.

The clerk shall serve a copy of this order on all parties of record.

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