UNITED STATES BANKRUPTCY COURT

SOUTHERN DISTRICT OF FLORIDA

MIAMI DIVISION

In re: 

Miriam Baydes

Debtor(s)

Case No. 22-11595-RAM

CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT AND ACCOUNT

Nancy K. Neidich, chapter 13 trustee, submits the following Final Report and Account of 

the administration of the estate pursuant to 11 U.S.C. § 1302(b)(1). The trustee declares as 

follows:

1) The case was filed on 02/28/2022.

2) The plan was confirmed on NA .

3) The plan was modified by order after confirmation pursuant to 11 U.S.C. § 1329 on

NA .

4) The trustee filed action to remedy default by the debtor in performance under the plan 

on NA .

5) The case was dismissed on 05/25/2022.

6) Number of months from filing to last payment: 0.

7) Number of months case was pending: 6.

8) Total value of assets abandoned by court order: NA .

9) Total value of assets exempted: $330,726.43.

10) Amount of unsecured claims discharged without payment: $0.00.

11) All checks distributed by the trustee relating to this case have cleared the bank.

UST Form 101-13-FR-S (09/01/2009)

Case 22-11595-RAM Doc 31 Filed 09/12/22 Page 1 of 4
Receipts:

Total paid by or on behalf of the debtor $3,705.00

Less amount refunded to debtor $3,556.80

NET RECEIPTS: $148.20

Expenses of Administration:

Attorney’s Fees Paid Through the Plan $0.00

Court Costs $0.00

Trustee Expenses & Compensation $148.20

Other $0.00

TOTAL EXPENSES OF ADMINISTRATION: $148.20

Attorney fees paid and disclosed by debtor: $1,400.00

Scheduled Creditors:

Creditor

Name Class

Claim

Scheduled

Claim

Asserted

Claim

Allowed

Int.

Paid

Principal

Paid

BRYANT STATE BANK Unsecured 1,469.00 NA NA 0.00 0.00

Caballero Rivero Weschester Secured NA NA NA 0.00 0.00

Capital One Unsecured 5,642.00 NA NA 0.00 0.00

Checksystems Unsecured NA NA NA 0.00 0.00

Child Support Enforcemment Unsecured NA NA NA 0.00 0.00

CITIBANK, N.A. Unsecured 492.00 NA 492.16 0.00 0.00

Comenitybank/New York Unsecured 1.00 NA NA 0.00 0.00

Comenitycapital/fFe21 Unsecured 1.00 NA NA 0.00 0.00

Department of the Treasury Unsecured NA NA NA 0.00 0.00

EQUIFAX Unsecured NA NA NA 0.00 0.00

Experian Unsecured NA NA NA 0.00 0.00

First Savings Bank Unsecured 1,006.00 NA NA 0.00 0.00

First Savings Bank/Blaze Unsecured 1,568.00 NA NA 0.00 0.00

First Savings Bank/Blaze Unsecured 1.00 NA NA 0.00 0.00

Florida Department of Revenue Unsecured NA NA NA 0.00 0.00

Internal Revenue Service Unsecured 1,292.33 NA NA 0.00 0.00

Internal Revenue Service Unsecured 1,705.08 NA NA 0.00 0.00

Internal Revenue Service Unsecured 1,193.79 NA NA 0.00 0.00

Internal Revenue Service Unsecured 13,859.78 NA NA 0.00 0.00

Internal Revenue Service Unsecured 4,915.97 NA NA 0.00 0.00

Internal Revenue Service Unsecured 41,439.01 NA NA 0.00 0.00

Internal Revenue Service Unsecured 212.59 NA NA 0.00 0.00

Internal Revenue Service Unsecured 3,951.01 NA NA 0.00 0.00

Internal Revenue Service Unsecured 1,292.33 NA NA 0.00 0.00

IRS Centralized Bankruptcy Department Unsecured NA NA NA 0.00 0.00

LVNV FUNDING LLC Unsecured 472.00 NA 532.19 0.00 0.00

LVNV FUNDING LLC Unsecured 1,415.00 NA 1,415.30 0.00 0.00

Macys/fdsb Unsecured 310.00 NA NA 0.00 0.00

McCalla Raymer Leibert Pierce, LLC Unsecured 1.00 NA NA 0.00 0.00

Monterey Collection Services Unsecured 15,323.00 NA NA 0.00 0.00

Ocean Bank Unsecured 1.00 NA NA 0.00 0.00

UST Form 101-13-FR-S (09/01/2009)

Case 22-11595-RAM Doc 31 Filed 09/12/22 Page 2 of 4
Scheduled Creditors:

Creditor

Name Class

Claim

Scheduled

Claim

Asserted

Claim

Allowed

Int.

Paid

Principal

Paid

Ocean Bank Unsecured 1.00 NA NA 0.00 0.00

Ocean Bank Unsecured 1.00 NA NA 0.00 0.00

Ocean Bank Unsecured 1.00 NA NA 0.00 0.00

Oportun Unsecured 4,063.00 NA NA 0.00 0.00

Oportun Unsecured 1.00 NA NA 0.00 0.00

Oportun Unsecured 1.00 NA NA 0.00 0.00

Orange Auto Sales Secured 3,282.57 NA NA 0.00 0.00

PRA, LLC Unsecured NA NA 763.07 0.00 0.00

PRA, LLC Unsecured 984.00 NA 984.09 0.00 0.00

PRA, LLC Unsecured 589.00 NA 588.66 0.00 0.00

PRA, LLC Unsecured 82.00 NA 73.05 0.00 0.00

PREMIER BANKCARD LLC Unsecured 1,688.00 NA 1,688.44 0.00 0.00

PREMIER BANKCARD LLC Unsecured 925.00 NA 925.45 0.00 0.00

Prosper Funding LLC Unsecured 1,115.00 NA NA 0.00 0.00

Synchrony Bank/ Old Navy Unsecured 1.00 NA NA 0.00 0.00

Target Unsecured 1.00 NA NA 0.00 0.00

The Bank of New York Mellon Secured 60,420.00 0.00 60,420.00 0.00 0.00

Transunion Unsecured NA NA NA 0.00 0.00

UNITED STATES TREASURY Unsecured NA 0.00 20,886.65 0.00 0.00

Wells Fargo Bank Na Unsecured 1.00 NA NA 0.00 0.00

Summary of Disbursements to Creditors:

Secured Payments:

Mortgage Ongoing

Mortgage Arrearage

Debt Secured by Vehicle

All Other Secured

TOTAL SECURED:

Priority Unsecured Payments:

Domestic Support Arrearage

Domestic Support Ongoing

All Other Priority

TOTAL PRIORITY:

GENERAL UNSECURED PAYMENTS:

Claim

Allowed

$60,420.00

$0.00

$0.00

$0.00

$60,420.00

$0.00

$0.00

$0.00

$0.00

$28,349.06

Principal

Paid

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

Interest

Paid

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

UST Form 101-13-FR-S (09/01/2009)

Case 22-11595-RAM Doc 31 Filed 09/12/22 Page 3 of 4
Disbursements:

Expenses of Administration $148.20

Disbursements to Creditors $0.00

TOTAL DISBURSEMENTS : $148.20

12) The trustee certifies that, pursuant to Federal Rule of Bankruptcy Procedure 5009, 

the estate has been fully administered, the foregoing summary is true and complete, and all 

administrative matters for which the trustee is responsible have been completed. The trustee 

requests a final decree be entered that discharges the trustee and grants such other relief as may 

be just and proper.

Dated: 09/12/2022

STATEMENT: This Unified Form is associated with an open bankruptcy case, therefore, Paperwork Reduction 

Act exemption 5 C.F.R. § 1320.4(a)(2) applies.

By:/s/ Nancy K. Neidich

Trustee

UST Form 101-13-FR-S (09/01/2009)

Case 22-11595-RAM Doc 31 Filed 09/12/22 Page 4 of 4