LF-31 (rev. 06/04/21) Page 1 of 3

 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 

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

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

DEBTOR: Carlos Prada JOINT DEBTOR: Anays Mestre CASE NO.: 21-14911 LMI

SS#: xxx-xx- 2502 SS#: xxx-xx-4705

I. 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. $583.34 for months 1 to 5 ;

2. $2,178.95 for months 6 to 60 ;

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

Total Fees: $4,650.00 Total Paid: $1,500.00 Balance Due: $3,150.00 

Payable $525.00 /month (Months 1 to 6 )

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

Safe harbor 4650.00

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

III. TREATMENT OF SECURED CLAIMS NONE

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: Internal Revenue Service

 Address: PO Box 7317 

Philadelphia, PA 19101

Last 4 Digits of 

Account No.: 4705

Arrearage/ Payoff on Petition Date 98,407.95 @3% = 106,095.77

Arrears Payment (Cure) $373.35 /month (Months 6 to 6 )

Arrears Payment (Cure) $1,956.42 /month (Months 7 to 60 )

Other:

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Debtor(s): Carlos Prada, Anays Mestre Case number: 21-14911 LMI

Real Property

Principal Residence

Other Real Property

Address of Collateral:

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

C. LIEN AVOIDANCE ■ NONE

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. PennyMac Loan Services, 

LLC

2671 7955 SW 110th St, Miami, FL 33156

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: $986.86 Total Payment $986.86 

Payable: $986.86 /month (Months 6 to 6 )

C. DOMESTIC SUPPORT OBLIGATION(S): ■ NONE

D. OTHER: ■ NONE

V. TREATMENT OF UNSECURED NONPRIORITY CREDITORS NONE

A. Pay $4.63 /month (Months 7 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

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

Unless provided for under a separate section, 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/lessors. Nothing 

herein is intended to terminate or abrogate the debtor(s)' state law contract rights. 

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Name of Creditor Collateral Acct. No. (Last 4 Digits) Assume/Reject

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Debtor(s): Carlos Prada, Anays Mestre Case number: 21-14911 LMI

Name of Creditor Collateral Acct. No. (Last 4 Digits) Assume/Reject

1.

ACAR Leasing LTD d/b/a GM 

Financial Leasing

2019 Cadillac XT5 6610

■ Assume Reject

2.

ACAR Leasing LTD d/b/a GM 

Financial Leasing

2020 Buick Enclave 6181

■ Assume Reject

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

Debtor

Carlos Prada Date

Attorney with permission to sign on 

Debtor(s)' behalf

s/ Samir Masri

Date

November 30, 2021

Joint Debtor

Anays Mestre 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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