IN RE: CASE NO.: 24-41622-MXM-13

 UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF TEXAS

FORT WORTH DIVISION

ANTHONY LOYD ROPER

512 W BALL ST

WEATHERFORD, TX 76086

SSN/TIN: XXX-XX-5644

ELIZABETH ANNE ROPER

ELIZABERH ANNE BODDIE

512 W BALL ST

WEATHERFORD, TX 76086

SSN/TIN: XXX-XX-0170

DEBTORS

ORDER CONFIRMING CHAPTER 13 PLAN, VALUING COLLATERAL,

ALLOWING DEBTORS' ATTORNEY'S FEES, PROVIDING FOR A TRUSTEE'S

RECOMMENDATION CONCERNING CLAIMS AND OTHER RELATED MATTERS

(WITH REVISIONS TO THE PLAN AS SPECIFIED HEREIN)

On this day came for consideration confirmation of Debtor's Chapter 13 Plan filed on July 25, 2024. The Court 

FINDS:

That the Plan should be confirmed based on the resolution of disputed issues by stipulation, letter agreement, 

or agreed order which has been incorporated into the terms of this order; 

That twenty-eight (28) days' notice was appropriately given to all creditors; 

Page 1 of 4

ORDER CONFIRMING CHAPTER 13 PLAN

The following constitutes the ruling of the court and has the force and effect therein described.

Signed November 26, 2024

_____________________________________________________________________

____________________________

United States Bankruptcy Judge
CASE NO. 24-41622-MXM

DEBTORS: ANTHONY LOYD ROPER & ELIZABETH ANNE ROPER

That the Debtors' Chapter 13 Plan ("Plan") complies with all applicable provisions of Title 11 of the United 

States Code;

That any fee, charge, or amount required under the United States Code or by the Plan to be paid before 

Confirmation has been paid;

That the Plan has been proposed in good faith and not by any means forbidden by law;

That the value, as of the effective date of the Plan, of property to be distributed under the Plan on account of 

each unsecured claim is not less than the amount that would be paid on such claim if the estate of the Debtors 

was liquidated under Chapter 7 of Title 11 of the United States Code on such date;

That, with respect to each allowed secured claim provided for by the Plan - (1) the holder of such claim has 

accepted the plan or (2) the Plan provides (a) that the holder of such claim retain the lien securing such claim 

until the earlier of the payment of the underlying debt determined under nonbankruptcy law or discharge under 

§ 1328 and, if the case is dismissed or converted without completion of the Plan, such lien shall also be 

retained by such holder to the extent recognized by applicable nonbankruptcy law and (b) the value, as of the 

effective date of the Plan, of property to be distributed under the Plan on account of such claim is not less than 

the allowed amount of such claim and (c) if the property to be distributed is in the form of periodic payments, 

such payment shall be in equal monthly amounts and, if the holder of the claim is secured by personal 

property, the amount of such payment is not less than an amount sufficient to provide the holder of such claim 

adequate protection during the period of the plan or (3) the Debtors surrender the property securing such 

claim to the holder. 

That the action of the Debtors in filing the petition was in good faith;

That the Debtors have paid all amounts that are required to be paid under a Domestic Support Obligation that 

first became payable after the date of the filing of the petition, if the Debtors are required by a judicial or 

administrative order or by statute to pay such Domestic Support Obligation;

That the Debtors have filed all applicable Federal, State, and local tax returns as required by §1308 of Title 11 

of the United States Code;

That no objection to Confirmation has been filed by the Standing Chapter 13 Trustee or any unsecured 

creditor, or if so, that as of the effective date of the Plan - (a) the value of the property to be distributed under 

the plan on account of such claim is not less than the amount of such claim or (b) the Plan provides, at a 

minimum, that all of the Debtors' projected disposable income to be received in the applicable commitment 

period beginning on the date that the first payment is due under the Plan will be applied to make payments to 

unsecured creditors under the Plan. 

That Confirmation of the Debtors' Plan and the Valuation set forth therein have been recommended by the 

Standing Chapter 13 Trustee; and

That no further operating reports are necessary or required to be filed with the Standing Chapter 13 Trustee.

IT IS THEREFORE ORDERED that the Debtors' Chapter 13 Plan filed on or about July 25, 2024 is confirmed.

TO THE TRUSTEE THE SUM OF $4,570.00 PER MONTH FOR THE FIRST 2 MONTHS; 

$4,008.00 PER MONTH FOR THE NEXT 8 MONTHS; $5,747.00 PER MONTH FOR THE 

FINAL 50 MONTHS FOR A TOTAL OF $328,554.00 IN 60 MONTHS.

IT IS FURTHER ORDERED that the Debtors shall pay the following:

IT IS THEREFORE ORDERED that the Debtors' first plan payment to the Trustee is due 30 days from the date of 

filing the Bankruptcy Petition or converting to Chapter 13, if applicable, and shall be due monthly thereafter.

Page 2 of 4

ORDER CONFIRMING CHAPTER 13 PLAN
CASE NO. 24-41622-MXM

DEBTORS: ANTHONY LOYD ROPER & ELIZABETH ANNE ROPER

IT IS FURTHER ORDERED that allowed non-priority unsecured claims will be paid pro rata no less than the greater 

of (1) an unsecured creditor's pool of $197,166.60, or (2) the value of Debtors' equity in non-exempt property of 

$10,826.00 reduced by the payment of allowed administrative expenses and allowed priority claims.

IT IS FURTHER ORDERED that, if applicable, cause exists to extend the term of the Plan beyond 36 months but not 

more than 60 months.

IT IS FURTHER ORDERED that the Debtors' attorney, ALLMAND LAW FIRM, is allowed a total fee of $4,250.00, 

with $0.00 to be paid through the Plan by the Trustee unless additional fees are allowed during the case. 

IT IS FURTHER ORDERED that for purposes of distribution under the Plan and §§ 506 and 1325 (a)(5) of the 

Bankruptcy Code, the value of collateral securing any claim herein, annual percentage rate and treatment of the 

claim secured thereby is as set forth in Section I, Paragraphs "E", "F", and "G" of the Debtors' Chapter 13 Plan 

(containing a Motion for Valuation) herein confirmed, except:

COMMENT

CLAIM

AMOUNT

COLL.

VALUE

ANNUAL

PERCENTAGE

RATE

TREATMENT

(Monthly Payment, 

Direct, Surrender, Late 

Filed or ProRata)

CREDITOR NAME

MORTGAGE 

MONTHS IN 

PLAN

LOAN CARE 

SERVICING CENTER

HOMESTEAD $340,910.00 

ONGOING

0.00% 08/01/24 $1,899.02 59

10/01/24 $1,956.10

LOAN CARE 

SERVICING CENTER

HOMESTEAD $340,910.00 

GAP/06/24-7/24

$3,912.20 0.00% ProRata

LOAN CARE 

SERVICING CENTER

HOMESTEAD POST $340,910.00 

ARREARS/8/24-9/24

$114.16 0.00% ProRata

LOAN CARE 

SERVICING CENTER

HOMESTEAD $340,910.00 

ARREARS

$7,735.52 0.00% ProRata

WELLS FARGO AUTO 2021 FORD F250 $60,377.38 $60,377.38 9.50% $1,379.00

IT IS FURTHER ORDERED that Executory Contracts and Unexpired Leases shall be treated as set forth in Section I, 

Paragraph "K" of the Debtors' Chapter 13 Plan (containing a Motion for Valuation) herein confirmed, except:

 ASSUME/ CURE TERM

§ 365 Party REJECT AMOUNT (APPROXIMATE) TREATMENT

$0.00

IT IS FURTHER ORDERED that the valuation of collateral subject to a 910 claim or listed as "Direct" is not res 

judicata, collateral estoppel or law of the case as to any party.

IT IS FURTHER ORDERED that if a Claim is not paid during the term (Approximate) shown in Section I, Paragraphs 

D.(1), D.(3), E, H and or I of the Plan, the Trustee shall continue to pay the Claim until it is paid in full.

IT IS FURTHER ORDERED that the Trustee is authorized to receive, endorse and apply to any delinquent payments 

under the Plan, any Income Tax Refund payable to the Debtors during the pendency of this case, and apply any 

Income Tax Refund in excess of $2,000.00 per year pro rata to the Debtors' allowed general unsecured creditors, per 

the Standing Order Concerning All Chapter 13 Cases ("General Order"). Further, and regardless of any Income Tax 

Refund amounts due to the Debtors or received by the Trustee, unless otherwise ordered by the Court, the Debtors 

shall provide a copy of their federal income tax return to the Trustee within 14 days of filing such during the term of 

the Plan.

IT IS FURTHER ORDERED in addition to the provisions of Section II, paragraph T of the Plan, that unless otherwise 

ordered by the Court, unscheduled and/or undisclosed property as well as after acquired property pursuant to § 

1306(a)(1) shall not re-vest in Debtors upon confirmation.

IT IS FURTHER ORDERED that the Debtors shall not dispose of or encumber any non-exempt property prior to 

Page 3 of 4

ORDER CONFIRMING CHAPTER 13 PLAN
CASE NO. 24-41622-MXM

DEBTORS: ANTHONY LOYD ROPER & ELIZABETH ANNE ROPER

discharge without consent of the Trustee or order of the Court after notice to the Trustee and all creditors.

IT IS FURTHER ORDERED that the Standing Chapter 13 Trustee is hereby discharged from any liability from the 

operation of the Debtors' business and from any further duty to investigate the business of the Debtor or to require 

further operating reports from the Debtors. 

IT IS FURTHER ORDERED that pursuant to the General Order, as soon as practicable after the governmental 

claims bar date, the Trustee shall prepare and serve on Debtors, Debtors' counsel, all creditors who were scheduled, 

all creditors who filed claims and any party that has filed a Notice of Appearance, a Trustee 's Recommendation 

Concerning Claims ("TRCC") and notice of hearing and pre-hearing conference thereon. The TRCC may be deemed 

in part to be an Objection to Claims. Objections to the TRCC shall be filed within thirty (30) days from the date of 

service of the TRCC. Unless an Objection is timely filed as to the amount or class of any claim, the claim will be 

allowed or approved only as described in the TRCC, and such amount and any class designation will be binding on 

all parties without further order of the court. All unresolved objections to the TRCC shall be deemed waived if not 

timely filed or if the proponent of any such objection fails to attend the Trustee 's pre-hearing conference or give the 

Trustee prior written notice that a hearing is necessary.

IT IS FURTHER ORDERED that nothing herein or in the Plan shall determine the allowed amount or class of any 

claim which matters are hereby reserved until after the applicable claims bar date and after the Trustee 's 

Recommendation Concerning Claims has been filed. Valuation of collateral, interest rate, and treatment of claims 

shall be as provided in the Plan or herein.

IT IS FURTHER ORDERED that the "applicable commitment period" under Section 1325 shall be 

60.

IT IS FURTHER ORDERED that priority and unsecured creditors shall receive interest at the legal rate from the 

petition date (priority first, then unsecured second) to the extent of Debtors' equity in non -exempt property, less 

trustee's fees, exceeds the principal amount of allowed priority and unsecured claims, pursuant to §§ 1325 (a)(4) and 

726(a)(5) of the Bankruptcy Code.

# # # END OF ORDER # # #

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ORDER CONFIRMING CHAPTER 13 PLAN