Information to identify the case:

Debtor 1 Yindira Ruiz

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−3608

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing) First Name Middle Name Last Name

Social Security number or ITIN _ _ _ _

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Southern District of Florida Date case filed for chapter 13 11/16/21

Case number: 21−20904−RAM

Notice of Chapter 13 Bankruptcy Case

For the debtors listed above, a case has been filed under chapter 13 of the Bankruptcy Code.

This notice has important information about the case for creditors, debtors, and trustees, including information about

the meeting of creditors and deadlines. Read both pages carefully.

The filing of the case imposed an automatic stay against most collection activities. This means that creditors generally may not take action to collect debts

from the debtors, the debtors' property, and certain codebtors. For example, while the stay is in effect, creditors cannot sue, garnish wages, assert a

deficiency, repossess property, or otherwise try to collect from the debtors. Creditors cannot demand repayment from debtors by mail, phone, or

otherwise. Creditors who violate the stay can be required to pay actual and punitive damages and attorney's fees. Under certain circumstances, the stay

may be limited to 30 days or not exist at all, although debtors can ask the court to extend or impose a stay.

Confirmation of a chapter 13 plan may result in a discharge. Creditors who assert that the debtors are not entitled to a discharge under 11 U.S.C. §

1328(f) must file a motion objecting to discharge in the bankruptcy clerk's office within the deadline specified in this notice. Creditors who want to have

their debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office by the same deadline. (See boxes 8 and 12 below

for more information.)

You may want to consult an attorney to protect your rights. The bankruptcy clerk's office staff cannot give legal advice.

To help creditors correctly identify debtors, debtors must submit full Social Security or Individual Taxpayer Identification Numbers, which may

appear on a version of this notice. However, the full numbers must not appear on any document filed with the court.

Do not file this notice with any proof of claim or other filing in the case. Do not include more than the last four digits of a Social Security or

Individual Taxpayer Identification Number in any document, including attachments, that you file with the court.

WARNING TO DEBTOR: Debtors must commence plan payments within 30 days of filing the chapter 13 petition or conversion to chapter 13.

Without further notice or hearing the court may dismiss your case for failure to timely pay filing fee installments, failure to appear at the

meeting of creditors or failure to be current with plan payments at the time of the meeting of creditors, and for failure to file a pre−bankruptcy

certification of credit counseling or file wage documentation. The case may also be dismissed or converted at the scheduled confirmation

hearing if the court denies confirmation of the pending plan under 11 U.S.C. § 1325 and denies a request made for additional time for filing

another plan or a modification of a plan.

About Debtor 1: About Debtor 2:

1. Debtor's Full Name Yindira Ruiz

2. All Other Names Used

in the Last 8 Years

3. Address 6195 NW 186th Street, Apt 120

Hialeah, FL 33015

4.

Debtor's Attorney

(or Pro Se Debtor)

Name and address

Ricardo Corona Esq.

6700 SW 38th Court

Miami, FL 33155

Contact phone 305−266−1150

5. Bankruptcy Trustee

Name and address

Nancy K. Neidich

www.ch13miami.com

POB 279806

Miramar, FL 33027

Contact phone 954−443−4402

6. Bankruptcy Clerk's

Divisional Office Where

Assigned Judge is

Chambered

US Bankruptcy Court

301 North Miami Avenue, Room 150

Miami, FL 33128

Hours open 8:30 a.m. − 4:00 p.m.

Contact phone (305) 714−1800

Documents filed conventionally in paper may be filed at any bankruptcy clerk's office location.

Documents may be viewed in electronic format via CM/ECF at any clerk's office public terminal

(at no charge for viewing) or via PACER on the internet accessible at pacer.uscourts.gov

(charges will apply). Case filing and unexpired deadline dates can be obtained by calling the

Voice Case Information System toll−free at (866) 222−8029. As mandated by the Department of

Homeland Security, ALL visitors (except minors accompanied by an adult) to any federal building

or courthouse, must present a current, valid, government issued photo identification (e.g. drivers'

license, state identification card, passport, or immigration card.)

Note: Contact the Clerk's Office at the number

listed above or check the court's website for

reduced hours of operation for in−person

filings.

Clerk of Court: Joseph Falzone

 Dated: 11/19/21

7. **MEETING OF CREDITORS**

Debtors must attend the meeting to be

questioned under oath. In a joint case,

both spouses must be present with

required original government−issued

photo identification and proof of social

security number (or if applicable, Tax

ID). Creditors may attend, but are not

required to do so.

January 14, 2022 at 01:45 PM

The meeting may be continued or adjourned

to a later date. If so, the date will be on the

court docket.

*MEETING WILL BE HELD BY

TELEPHONE*

Trustee: Nancy K. Neidich

Call in number: 877−386−9469

 Participant Code: 1602529

Local Form 309I USBC SDFL (6/14/2021) Notice of Chapter 13 Bankruptcy Case page 1

Case 21-20904-RAM Doc 6 Filed 11/19/21 Page 1 of 2
Debtor Yindira Ruiz Case number 21−20904−RAM

8. Deadlines

 The bankruptcy clerk's office

must receive these

documents and any required

filing fee by the following

deadlines. Writing a letter to

the court or judge is not

sufficient.

When Filing Proofs of

Claim: If the debtor is not

represented by an attorney,

you must serve copies of the

proof of claim including all

attachments on the debtor, via

U.S. Mail, see Local Rule

3002−1(E). Claims may be

delivered or mailed to the

clerk's office. Creditors with

internet access have the

option to use the electronic

claims filing program on the

court website at

www.flsb.uscourts.gov to

electronically file a proof of

claim.

Deadline to file a complaint to challenge

dischargeability of certain debts:

You must file:

• a motion if you assert that the debtors are

 not entitled to receive a discharge under

 U.S.C. § 1328(f) or

• a complaint if you want to have a particular

 debt excepted from discharge under

 11 U.S.C. § 523(a)(2) or (4).

Filing deadline: 3/15/22

Deadline for all creditors to file a proof of claim

(except governmental units):

Filing deadline: 1/25/22

Deadline for governmental units to file a proof of

claim:

Filing deadline: 5/16/22

Deadlines for Filing Proof of Claim:

 A proof of claim is a signed statement describing a creditor's claim. A proof of claim form may be obtained at 

www.flsb.uscourts.gov or any bankruptcy clerk's office. If you do not file a proof of claim by the deadline, you

might not be paid on your claim. To be paid, you must file a proof of claim even if your claim is listed in the

schedules that the debtor filed. If this is a converted case proofs of claim filed under the initial chapter shall be

deemed filed and need not be refiled.

Secured creditors retain rights in their collateral regardless of whether they file a proof of claim. Filing a proof of

claim submits the creditor to the jurisdiction of the bankruptcy court, with consequences a lawyer can explain.

For example, a secured creditor who files a proof of claim may surrender important nonmonetary rights,

including the right to a jury trial.

Filing Deadline for a Creditor with a Foreign Address: The deadlines for filing proofs of claim in this notice

apply to all creditors. If you are a creditor receiving a notice mailed to a foreign address, you may file a motion

asking the court to extend the deadline to file a proof of claim. See also box 10 below.

Deadline to Object to Exemptions:

The law permits debtors to keep certain property as exempt. Fully

exempt property will not be sold and distributed to creditors.

Debtors must file a list of property claimed as exempt. If you

believe that the law does not authorize an exemption that the

debtors claim, you may file an objection.

The bankruptcy clerk's office must receive the objection by

the deadline to object to exemptions.

Filing deadline: 30 days after the

conclusion of the

meeting of creditors, or

within 30 days of any

amendment to the list

of supplemental

schedules, unless as

otherwise provided

under Bankruptcy Rule

1019(2)(B) and Local

Rule 4003−1(B) for

converted cases.

9. Filing of Plan and Hearing

on Confirmation

Deadline to Object to

Confirmation

Attorney Fee Claims

The hearing on confirmation will be held on: 2/8/22 at 01:30 PM, by VIDEO CONFERENCE. You must register

in advance no later than 3:00 PM, one business day before the hearing. To register, click on or enter the

following registration link in a browser:

https://www.zoomgov.com/meeting/register/vJItdOyvrjIvGmlCDrtlqCZrs_TzvTdyAJ0

If the debtor filed a Chapter 13 Plan, it is included with this notice. If no Plan is filed, the Plan will be mailed to

ALL parties in accordance with Local Rule 2002−1(C)(5).

At the confirmation hearing on the plan, the court will consider all timely objections to confirmation and any filed

motions to dismiss or convert the case. Except for objections to confirmation based on valuation of collateral in

the plan or objections to attorney fee claims, objections to confirmation of the plan must be in writing and

filed no later than 14 days prior to the date first scheduled for hearing on confirmation, see Local Rule

3015−3(B)(1).

Attorney fee applications and objections to attorney fees shall be heard at the confirmation hearing.

10. Creditors with a Foreign

Address

Consult an attorney familiar with United States bankruptcy law if you have any questions about your rights in

this case.

11. Filing a Chapter 13

Bankruptcy Case

Chapter 13 allows an individual with regular income and debts below a specified amount to adjust debts

according to a Plan. A Plan is not effective unless the Court confirms it. You may object to Confirmation of the

Plan and appear at the Confirmation hearing. The Confimation hearing will be held on the date shown in box 9

of this notice. The debtor will remain in possession of the property and may continue to operate the business, if

any, unless the court orders otherwise.

12. Discharge of Debts Confirmation of a chapter 13 plan may result in a discharge of debts, which may include all or part of a debt.

However, unless the court orders otherwise, the debts will not be discharged until all payments under the plan

are made. A discharge means that creditors may never try to collect the debt from the debtors personally except

as provided in the plan. If you want to have a particular debt excepted from discharge under 11 U.S.C. §

523(a)(2) or (4), you must file a complaint and pay the filing fee in the bankruptcy clerk's office by the deadline.

If you believe that the debtors are not entitled to a discharge of any of their debts under 11 U.S.C. § 1328(f), you

must file a motion. See box 8 for deadlines. The discharge will not be issued until the Official Bankruptcy Form

"Certification About a Financial Management Course" is filed by the debtor (unless the course provider filed a

certificate of completion of the financial management course on behalf of the debtor).

13. Option to Receive Notices

Served by the Clerk by

Email Rather than U.S. Mail

1) EBN program open to all parties. Register at the BNC website bankruptcynotices.uscourts.gov, OR 2) DeBN

program open to debtors only. Register by filing with the Clerk of Court, Local Form "Debtor's Request to

Receive Notices Electronically Under DeBN Program". There is no charge for either option. See also Local Rule

9036−1(B) and (C).

14. Translating Services Language interpretation of the meeting of creditors will be provided to the debtor at no cost, upon request to the

trustee, through a telephone interpreter service. Persons with communications disabilities should contact the

U.S. Trustee's office to arrange for translating services at the meeting of creditors.

Local Form 309I USBC SDFL Notice of Chapter 13 Bankruptcy Case page 2

Case 21-20904-RAM Doc 6 Filed 11/19/21 Page 2 of 2