UNITED STATES BANKRUPTCY COURT, SOUTHERN DISTRICT OF FLORIDA

www.flsb.uscourts.gov

CHAPTER 13 PLAN ffndividual Adjustment of Debts'^

Original Plan

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

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

JOINT DEBTOR: CASE NO.: 22-11124-AJC

[§ THIRD

DEBTOR: AVA CELESTE BENJAMIN

SS#: xxx-xx- 3669

NOTICES

To Debtors:

I.

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.

To All Parties: 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 Creditors:

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 r~l Not included

Avoidance of a judicial lien or nonpossessoiy, 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(SV 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 frill 10%, any unused

amount will be paid to unsecured nonpriority creditors pro-rata under the plan:

1. $1,835.32 for months 1 to 60 ;

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

Total Fees:

Payable _

Payable _

Allowed fees under LR 2016-1(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 Total Paid: $2,487.00 Balance Due: $3,213.00

$69.89 /month (Months _l_ to 45 )

$67.95 /month (Months 46 to 46 )

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:

III.

1. Creditor: Covey Financial, LLC

Address: P.O. Box 790892

San Antonio, TX 78279

Arrearage/ Payoff on Petition Date

Arrears Payment (Cure)

Regular Payment (Maintain)

$35,247.75

$587.46 /month (Months 1

/month (Months 1

to 60 )

$831.30 to 60 )

Last 4 Digits of

Account No.:

Other:

6870

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Debtor(s): AVA CELESTE BENJAMIN Case number: 22-11124-AJC

\m\Real Property

[principal Residence

[~~|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

□The debtor(s) will pay Qtaxes Qinsurance directly

□ 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: d NONE

2. VEHICLES(S): □ NONE

1. Creditor: Lugano Capital Inc

dba Start Auto Finance Corp.

c/o Sobhan Arafa, CEO

Address: 6600 Taft Street, Ste 200

Hollywood, FL 33024

Payment Value of Collateral: $4,OOO.0O

Amount of Creditor’s Lien: $9,919.55 Total paid in plan: $4,556.64

Interest Rate: 5.25% $75.95 /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:

Claim incurred 910 days or more pre

petition

Claim incurred less than 910 days pre

petition

s

2, Creditor: Innovate Loan Service Value of Collateral: Payment $3,000.00

Address: PO BOX 164894 Total paid in plan: $3,417.48

Fort Worth, TX 76161

Amount of Creditor's Lien: $5,905.22

Last 4 Digits of Account No.: 1934 $56.96 /month (Months 1 to 60 )

VIN: 1N4AL2AP0CN463868

Interest Rate: 5.25%

Description of Collateral:

2012 Nissan Altima S

Check one below:

Claim incurred 910 days or more pre

petition

Claim incurred less than 910 days pre

petition

II

3. PERSONAL PROPERTY: U NONE

C. LIEN AVOIDANCE |1 NONE

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Deblor(s): AVA CELESTE BENJAMIN Case number: 22-11124-AJC

D. SURRENDER OF COLLATERAL; [■] NONE

E. DIRECT PAYMENTS B 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 DEBTORSfSV ATTORNEY'S FEE: Q NONE

IV.

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

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

Total Due:

Payable

$1,813.64

$30.23 /month (Months 1 to 60 )

B. INTERNAL REVENUE SERVICE; g NONE

C. DOMESTIC SUPPORT OBLIGATIONfSI: g NONE

D. OTHER: g NONE

V. TREATMENT OF UNSECURED NONPRIORITY CREDITORS □ NONE

$1,94 /month (Months 46 to 46 )

$69.89 /month (Months 47 to 60 )

Pro rata dividend will be calculated by the Trustee upon review of fi led 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 CT.ASSTFIED: g NONE

VI. STUDENT LOAN PROGRAM g NONE

VIL EXECUTORY CONTRACTS AND UNEXPIRED LEASES g NONE

VIII. INCOME TAX RETURNS AND REFUNDS:

A. Pay

Pay

g 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]

IX. NON-STANDARD PLAN PROVISIONS g NONE

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Debtor(s): AVA CELESTE BENJAMIN Case number: 22-11124-AJC

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.

ijis D

Debtor Joint Debtor

ate Date AVA CELESTE BENJAMIN

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).

1

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 IX.

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

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

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