UNITED STATES BANKRUPTCY COURT, SOUTHERN DISTRICT OF FLORIDA

www.flsb.uscourts.gov

CHAPTER 13 PLAN (Individual Adjustment of Debtsi

Original Plan

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

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

DEBTOR: Manuel Umana JOINT DEBTOR: Nubia Umana CASE NO.:

SS#: xxx-xx- 6905

NOTICES

To Debtors:

I.

SS#: xxx-xx-4482

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.

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 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:

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

r~] Included \m\ Not included

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

out in Section III Included r~] Not included

Nonstandard provisions, set out in Section IX n Included (■] 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. $177.31 for months 1 to 60 ;

B. DEBTORfSV ATTORNEY'S FEE: n none □ PRO BONO

Total Fees:

Payable _

Payable _

Allowed fees under LR 2016-1(B)(2) are itemized below:

Safe Harbor: $4,500.00 Attorney's Fees + $150.00 Costs + $525.00 Motion to Avoid Lien = $5,175.00

$5,175.00 Total Paid: $1,900.00 Balance Due:

$159.58 /month (Months _\_ to 20 )

$83.40 /month (Months 21 to 21 )

$3,275.00

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: jf] NONE

B. VALUATION OF COLLATERAL; (1 NONE

C. LIEN AVOIDANCE □ NONE

[i] 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.

HI.

1. Creditor: Citizens Property Insurance Corporation Collateral: 19321 NW 37 CT.,

Miami Gardens, FL 33055 Address: 301 W Bay ST, #1300

Jacksonville FL 32202-0000 Fla. Const. Art. X, § 4(a)(1); Fla Stat Ann Secs.

Exemption: 222.01 & 222.02

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Case 22-11581-LMI Doc 2 Filed 02/26/22 Page 1 of 2
Debtor(s); Manuel Umana, Nubia Umana Case number:

Last 4 Digits of Account No.: CAOl

D. SURRENDER OF COLLATERAL: [f] NONE

E. DIRECT PAYMENTS Q 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.

Name of Creditor

LoanCare, LLC / NewRez

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

19321 NW37CT.,

Miami Gardens, FL 33055

6871

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

TREATMENT OF UNSECURED NONPRIORITY CREDITORS □ NONE

IV.

V.

/month (Months 1 to 20 )

/month (Months 21 to 21 )

A. Pay $0.00

Pay $76.18

Pay S159.58 /month (Months 22 to 60 )

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

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

C. SEPARATELY CLASSIFIED: [f] NONE

STUDENT LOAN PROGRAM [■] NONE

EXECUTORY CONTRACTS AND UNEXPIRED LEASES 0 NONE

INCOME TAX RETURNS AND REFUNDS: 0 NONE

NON-STANDARD PLAN PROVISIONS 0 NONE

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 February 26, 2022 Joint Debtor February 26, 2022

Manuel tlmana Date Date Nubia Umana

Attorney with permission to sign on

Debtor(s)' behalf

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.

Date

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