UNITED STATES BANKRUPTCY COURT, SOUTHERN DISTRICT OF FLORIDA

www.flsb.uscourts.gov

CHAPTER 13 PLAN gndividual Adjustment of Debts)

Original Plan

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

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

0 FIRST

DEBTOR: AVA CELESTE BENJAMIN JOINT DEBTOR: CASE NO.: 22-11124-AJC

SS#: xxx-xx- 3669

I. NOTICES

SS#: xxx-xxPlans 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.

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.

The plan contains no nonstandard provisions other than those set out in paragraph IX. Debtor(s) must check one box

on each line listed below in this section to state whether the plan includes any of the following:

To Debtors:

To Creditors:

To All Parties:

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

Avoidance of a judicial lien or nonpossessory, nonpurchase-money security interest, set

out in Section III

0 Included (~l Not included

r~| Included 0 Not included

Nonstandard provisions, set out in Section IX I I Included 0 Not included

II. PLAN PAYMENTS. LENGTH OF PLAN AND DEBTORfSV 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. $1,401.68 for months 1 to 60 ;

B. DEBTORfSV ATTORNEY'S FEE; □ NONE □ PRO BONO

Total Fees: Total Paid: $2,487.00 Balance Due: $3,213.00

Payable _

Payable _

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

Jose A. Blanco, Esq.: $4,500 Attorneys Fees + $525 Motion to Value + $525 Motion to Value + $150 Cost = $5,700.00

$5,700.00

/month (Months 1 to 11 )

/month (Months 12 to 12 )

$269.21

$251.69

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

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:

HI.

1. Creditor: tiaA FSB

Address: 301 West Bay Street

Jacksonville, FL 32202

Arrearage/ Payoff on Petition Date $14,956.44

Arrears Payment (Cure)

Arrears Payment (Cure)

Arrears Payment (Cure)

Regular Payment (Maintain)

$50.00 /month (Months 1 to 11 )

$64.52 /month (Months 12 to 12 )

$298.79 /month (Months 13 to 60 )

$848.79 /month (Months 1 to 60 )

Last 4 Digits of

Account No.: 7172

Other:

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Deblor(s): AVA CELESTE BENJAMIN Case number:

@ Real Property

[BjPrincipal Residence

I [Other Real Property

Address of Collateral:

2246 NW 61 Street, Miami, FL 33142

Check one below for Real Property:

[^Escrow is included in the regular payments

QThe debtor(s) will pay Qtaxes | [insurance directly

I I Personal PropertyA^ehicle

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: [f] NONE

2. VEmCLES(S): □ NONE

I. Creditor: Lugano Capital Inc

dba Start Auto Finance Corp.

c/o Sobhan Arafa, CEO

Payment Value of Collateral: $3,000.00

Amount of Creditor's Lien: $9,727.89 Total paid in plan: $3,254.40

Address: 6600 Taft Street, Ste 200

Hollywood, FL 33024 Interest Rate; 3.25% $54.24 /month (Months 1 to 60 )

Last 4 Digits of Account No.: 5205

VIN: JNKAJ09E18M304148

Description of Collateral;

2008 Infiniti Ex35 Sport Utility

Check one below:

j—iClaim incurred 910 days or more pre-

'—'petition

I—iClaim incurred less than 910 days pre-

'—'petition

2. Creditor: Innovate Loan Service Value of Collateral: $500.00 Payment

Address: 2201 Dottie Lynn Parkway Total paid in plan: $542.40

'Ft. Worth, TX 76120

Amount of Creditor's Lien: $5,905.22

$9.04 /month (Months I to 60 ) Last 4 Digits of Account No.: 1934

VIN: 1N4AL2AP0CN463868

Interest Rate: 3.25%

Description of Collateral:

2012 Nissan Altima S

Check one below:

^Claini incurred 910 days or more pre-

'—'petition

I—iClaim incurred less than 910 days pre-

'—'petition

3. PERSONAL PROPERTY: 0 NONE

C. LIEN AVOIDANCE [f] NONE

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Debtor(s): AVA CELESTE BENJAMIN Case number:

D. SURRENDER OF COLLATERAL: g) NONE

E. DIRECT PAYMENTS g NONE

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

A. ADMINISTRATIVE FEES OTHER THAN DEBTORS^SV ATTORNEY’S FEE: □ NONE

IV.

1. Name: State of Florida - Department of Revenue, Bankruptcy

Payment Address: P.O. BOX 8045, Tallahassee, FL 32314

Total Due:

Payable $30.23

S1.813.64

/month (Months 1 to 60 )

B. INTERNAL REVENUE SERVICE: g NONE

C. DOMESTIC SUPPORT OBLIGATIONIS): g NONE

D. OTHER: g NONE

V. TREATMENT OF UNSECURED NONPRIORITY CREDITORS □ NONE

/month (Months 13 to 60 )

Pro rata dividend will be calculated by the Trustee upon review of filed claims after bar date.

B. n If checked, the Debtor(s) will amend/modify to pay 100% to all allowed unsecured nonpriority claims.

C. SEPARATELY CLASSIFIED: g NONE

STUDENT LOAN PROGRAM g NONE

EXECUTORY CONTRACTS AND UNEXPIRED LEASES g NONE

INCOME TAX RETURNS AND REFUNDS:

g Debtor(s) will not provide tax returns unless requested by any interested party pursuant to 11 U.S.C. § 521.

NON-STANDARD PLAN PROVISIONS g NONE

A. Pay $20.42

VI.

VII.

VIII

IX.

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.

debtor Joint Debtor

Date AVA CELESTE BENJAMf

Date

Attorney with permission to sign on

Debtor(s)' behalf who certifies that

the contents of the plan have been

reviewed and approved by the

Debtor(s).*

By fi ling 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 IX.

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Deblor(s): AVA CELESTE BENJAMIN Case number:

*This certification requirement applies even if the Debtor(s) have executed a limited power of attorney to Deblor(s)' attorney authorizing the

attorney to sign documents on the Debtor(s)' behalf.

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