LF-31 (rev. 06/04/21) Page 1 of 2

 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 

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

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

DEBTOR: Efrain Navarrete JOINT DEBTOR: CASE NO.: 21-14282-SMG

SS#: xxx-xx- 2645 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. $1,025.94 for months 1 to 3 ;

2. $1,575.93 for months 4 to 25 ;

3. $1,501.52 for months 26 to 60 ;

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

Total Fees: $4,650.00 Total Paid: $1,190.00 Balance Due: $3,460.00 

Payable $57.67 /month (Months 1 to 60 )

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

Safe Harbor: $4,500.00 Attorney's Fees + $150.00 Costs = $4,650.00

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

III. TREATMENT OF SECURED CLAIMS ■ NONE

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

C. DOMESTIC SUPPORT OBLIGATION(S): NONE CURRENT AND PAID OUTSIDE

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LF-31 (rev. 06/04/21) Page 2 of 2

Debtor(s): Efrain Navarrete Case number: 21-14282-SMG

1. Name of Creditor: Nubia Lopez Navarrete

Payment Address: POB 826822, Pembroke Pines, FL 33082

Total Due: $8,627.00 

Payable $246.49 /month (Months 26 to 60 )

Regular Payemnt (if applicable) $499.99 /month (Months 4 to 25 )

Regular Payemnt (if applicable) $875.00 /month (Months 1 to 60 )

D. OTHER: ■ NONE

V. TREATMENT OF UNSECURED NONPRIORITY CREDITORS NONE

A. Pay $185.86 /month (Months 26 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

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]

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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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 Debtor paid the first three months of post-petition CHILD SUPPORT directly to payee, and thus CHILD SUPPORT payments 

of $499.92 begin on month 4 of 1AP. Per Support Order, Child Support ends on May 15, 2023 which is month 25 of the plan. 

Thus the total regular payments of $499.92 The Child Support arrears of $900 was also included in the past-due arrears payments. 

 

Debtor is paying $875.00 per month for Alimony regular payments which continue past the end of the life of the plan.

Mortgage Modification Mediation 

Debtor

Efrain Navarrete Date

Attorney with permission to sign on 

Debtor(s)' behalf

/s/Robert Sanchez, Esq

Date

July 15, 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.

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