LF-31 (rev. 06/04/21) Page 1 of 6

 UNITED STATES BANKRUPTCY COURT, SOUTHERN DISTRICT OF FLORIDA

www.flsb.uscourts.gov

CHAPTER 13 PLAN (Individual Adjustment of Debts)

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Original Plan 

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

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

DEBTOR: Eldred E. Redmon JOINT DEBTOR: CASE NO.: 20-18085-LMI

SS#: xxx-xx- 2318 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 IX ■ 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. $651.61 for months 1 to 6 ;

2. $577.77 for months 7 to 30 ;

3. $817.97 for months 31 to 59 ;

4. $44,716.11 for months 60 to 60 ;

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

Total Fees: $4,568.47 Total Paid: $350.00 Balance Due: $4,218.47 

Payable $230.52 /month (Months 1 to 6 )

Payable $118.14 /month (Months 7 to 30 )

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

First Attorney Yevgeniy Feldman - $4,568.47 (discounted $2,500.00 from original total of $7,068.47 based on $4,500.00 case, 

$150.00 costs, $310.00 filing fee, $8.47 credit report, $25.00 credit counseling, $1,550.00 2 motions to value real property, and 

$525.00 motion avoid lien)

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

Total Fees: $2,500.00 Total Paid: $1,200.00 Balance Due: $1,300.00 

Payable $54.17 /month (Months 7 to 30 )

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

Substitute Debtor Attorney Jordan E. Bublick

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

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Debtor(s): Eldred E. Redmon Case number: 20-18085-LMI

III. TREATMENT OF SECURED CLAIMS NONE

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: Villa Francine Homeowners' Association, Inc.

 Address: c/oAssociated Solutinos 

Group 

25 S. Federal Highway, 

Suite 286 

Deerfield Beach, FL 

33441

Last 4 Digits of 

Account No.: 2766

Arrearage/ Payoff on Petition Date $0.00 

Regular Payment (Maintain) $248.00 /month (Months 1 to 60 )

Other:

■ Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

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: Gulf Group Holdings Acquisitions & Applications, Inc.

 Address: 18305 Biscayne Blvd., 

Suite 400 

Aventura, FL 33160

Last 4 Digits of 

Account No.: 2570

Arrearage/ Payoff on Petition Date $31,823.41 [$48,486.33 including interest at 18%]

Payoff (Including 18.0% monthly interest) $50.00 /month (Months 1 to 6 )

Payoff (Including 18.0% monthly interest) $41.76 /month (Months 7 to 30 )

Payoff (Including 18.0% monthly interest) $363.58 /month (Months 31 to 59 )

Payoff (Including 18.0% monthly interest) $36,640.27 /month (Months 60 to 60 )

Other:

■ Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

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: CAZ Creek Florida V, LLC

 Address: PO Box 54900 

New Orleans, LA 70154

Last 4 Digits of 

Account No.: 2154

Arrearage/ Payoff on Petition Date $575.65 [$877.20 including interst at .25%]

Payoff (Including .25% monthly interest) $14.62 /month (Months 1 to 60 )

Other:

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Debtor(s): Eldred E. Redmon Case number: 20-18085-LMI

■ Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

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:

4. Creditor: Sregal Lien Processing, LLC

 Address: 75 Remittance Dr., Suite 

1449 

Chicago, IL 60675-1449

Last 4 Digits of 

Account No.: 1263

Arrearage/ Payoff on Petition Date $542.29 [$579.60 including interest at .25%]

Payoff (Including .25% monthly interest) $9.66 /month (Months 1 to 60 )

Other:

■ Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

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:

5. Creditor: RP Investmenti, LLC

 Address: 460 N.E. 28th St., #1802 

Miami, FL 33137

Last 4 Digits of 

Account No.: 3337

Arrearage/ Payoff on Petition Date $598.70 [$686.40 including interest at .25%]

Payoff (Including .25% monthly interest) $11.44 /month (Months 1 to 60 )

Other:

Real Property

Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

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:

6. Creditor: 5T Wealth Partner LP711278

 Address: Dept. #6200 

PO Box 830539 

Birmingham, AL 35283

Last 4 Digits of 

Account No.: 1609

Arrearage/ Payoff on Petition Date $727.74 [$732.60 including interest at.25%]

Payoff (Including .25% monthly interest) $12.21 /month (Months 1 to 60 )

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Debtor(s): Eldred E. Redmon Case number: 20-18085-LMI

Other:

■ Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

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:

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

1. Creditor: Villa Francine Homeowners' 

Association, Inc.

 Address: 1200 Clint Moore Rd., #8 

Boca Raton, FL 33487

Last 4 Digits of Account No.: dmon

Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

mortgage payment listed in this section

Value of Collateral: $99,001.00 

Amount of Creditor's Lien: $0.00 

Interest Rate: 0.00%

Check one below:

Escrow is included in the monthly

The debtor(s) will pay 

taxes insurance directly

Payment 

Total paid in plan: $0.00 

 $0.00 /month (Months to )

2. Creditor: Mortgage Electronic 

Registration Systems, Inc.

 Address: 1818 Library St., Suite 300 

Resont, VA 20190

Last 4 Digits of Account No.:

Real Property

■ Principal Residence

Other Real Property

Address of Collateral:

2766 N.W. 131st St., Opa Locka, Florida

mortgage payment listed in this section

Value of Collateral: $99,001.00 

Amount of Creditor's Lien: $0.00 

Interest Rate: 0.00%

Check one below:

Escrow is included in the monthly

The debtor(s) will pay 

taxes insurance directly

Payment 

Total paid in plan: $0.00 

 $0.00 /month (Months to )

2. VEHICLES(S): ■ NONE

3. PERSONAL PROPERTY: ■ NONE

C. LIEN AVOIDANCE NONE

Judicial liens or nonpossessory, nonpurchase money security interests securing the claims will be avoided to the extent that 

they impair the exemptions under 11 U.S.C. § 522 as listed below. A separate motion will also be served pursuant to BR 

7004 and LR 3015-3. 

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LF-31 (rev. 06/04/21) Page 5 of 6

Debtor(s): Eldred E. Redmon Case number: 20-18085-LMI

1. Creditor: Arrow Financial Services, LLC

 Address: 2001 Edmund Halley 

Reston, VA 20191

Collateral: 2766 N.W. 131st St., Opa Locka, Florida

Exemption: Homestead, Fla. Const. Art. X, Section 4

Last 4 Digits of Account No.: 5215

D. SURRENDER OF COLLATERAL: ■ NONE

E. DIRECT PAYMENTS NONE

Secured claims filed by any creditor granted stay relief in this section shall not receive a distribution fom the Chapter 13 Trustee.

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. 

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

1. Miami-Dade County Tax 

Collector

0580 2766 N.W. 131st St., Opa Locka, Florida

2.

Deutsche Bank National 

Trust Co. as Tr.

2318 2766 N.W. 131st St., Opa Locka, Florida

IV. TREATMENT OF FEES AND PRIORITY CLAIMS [as defined in 11 U.S.C. §507 and 11 U.S.C. § 1322(a)(4)] NONE

A. ADMINISTRATIVE FEES OTHER THAN DEBTORS(S)' ATTORNEY'S FEE: ■ NONE

B. INTERNAL REVENUE SERVICE: NONE

Total Due: $3,831.63 Total Payment $3,831.60 

Payable: $10.00 /month (Months 1 to 59 )

Payable: $3,241.63 /month (Months 60 to 60 )

C. DOMESTIC SUPPORT OBLIGATION(S): ■ NONE

D. OTHER: ■ NONE

V. TREATMENT OF UNSECURED NONPRIORITY CREDITORS NONE

A. Pay $66.67 /month (Months 31 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

VI. STUDENT LOAN PROGRAM ■ NONE

VII. EXECUTORY CONTRACTS AND UNEXPIRED LEASES ■ NONE

VIII. INCOME TAX RETURNS AND REFUNDS: NONE

The debtor(s) is hereby advised that the chapter 13 trustee has requested that the debtor(s) comply with 521(f) 1-4 on an 

annual basis during the pendency of this case. The debtor(s) hereby acknowledges that the deadline for providing the 

Trustee with their filed tax returns is on or before May 15 of each year the case is pending and that the debtor(s) shall 

provide the trustee (but not file with the Court) with verification of their disposable income if their gross household income 

increases by more than 3% over the previous year’s income. [Miami cases]

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IX. 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.

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Addendum to III. B. 2 - additional creditor as to second mortgage as their rights and interests may appear: Litton Loan Servicing, 

LP successor in interest to Fremont Investment & Loan, 4828 Loop Central Dr., #500, Houston, TX 77081

Mortgage Modification Mediation 

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LF-31 (rev. 06/04/21) Page 6 of 6

Debtor(s): Eldred E. Redmon Case number: 20-18085-LMI

Debtor

Eldred E. Redmon Date

Attorney with permission to sign on 

Debtor(s)' behalf

/s/ Jordan E. Bublick, Esq.

Date

10/12/21

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.

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