CHAPTER 7 TRUSTEE'S FINAL ACCOUNT AND DISTRIBUTION

REPORT CERTIFICATION THAT THE ESTATE HAS BEEN FULLY ADMINISTERED

AND APPLICATION TO BE DISCHARGED (TDR)

UNITED STATES BANKRUPTCY COURT

In re: § Case No.

§

§

§

ROMERO, ROSE M 09-75719

NORTHERN DISTRICT OF ILLINOIS

Debtor(s)

WESTERN DIVISION

Certification that the Estate has been Fully Administered and Application to be Discharged.

BERNARD J. NATALE, chapter 7 trustee, submits this Final Account,

1) All funds on hand have been distributed in accordance with the Trustee's Final Report

administered and all assets and funds which have come under the trustee's control in this case

and, if applicable, any order of the Court modifying the Final Report. The case is fully

have been properly accounted for as provided by law. The trustee hereby requests to be

discharged from further duties as a trustee.

2) A summary of assets abandoned, assets exempt, total distributions to claimants, claims

discharged without payment, and expenses of administration is provided below:

Without Payment:

Claims Discharged

Assets Exempt:

Total Expenses of Administration:

Assets Abandoned:

Total Distribution to Claimants:

$448,200.00 $48,400.00

$4,693.26

$0.00

$2,638.66

(without deducting any secured claims)

Exhibit 1 ), minus funds paid to the debtor

from the liquidation of the property of the estate, which was distributed as follows:

(see

(see Exhibit 2

3) Total gross receipts of $ 28,558.61

and third parties of $ 21,226.69 ), yielded net receipts of $7,331.92

UST Form 101-7-TDR (10/1/2010)

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CLAIMS

SCHEDULED

CLAIMS

ASSERTED ALLOWED PAID

SECURED CLAIMS

(from

PRIORITY CLAIMS:

CHAPTER 7 ADMIN. FEES

AND CHARGES

PRIOR CHAPTER

ADMIN. FFES AND

PRIORITY UNSECURED

GENERAL UNSECURED

TOTAL DISBURSEMENTS

CLAIMS CLAIMS

Exhibit 3)

(from Exhibit 4)

CHARGES (fromExhibit 5)

CLAIMS (fromExhibit 6)

CLAIMS (fromExhibit 7)

$408,498.00 $0.00 $0.00 $0.00

0.00 2,638.66 2,638.66 2,638.66

245,523.39 4,693.26 4,693.26 4,693.26

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

$654,021.39 $7,331.92 $7,331.92 $7,331.92

5) All estate bank statements, deposit slips, and canceled checks have been submitted to

the United States Trustee.

6) An individual estate property record and report showing the final accounting of the

assets of the estate is attached as

each estate bank account, showing the final accounting of the receipts and disbursements of

. The cash receipts and disbursements records for

estate funds is attached as .

Pursuant to Fed R Bank P 5009, I hereby certify, under penalty of perjury, that the

foregoing report is true and correct.

Dated: By:

Trustee

Exhibit 8

Exhibit 9

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

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

4) This case was originally filed under Chapter 7 on December 30, 2009.

02/23/2011 /s/BERNARD J. NATALE

The case was pending for 14 months.

UST Form 101-7-TDR (10/1/2010)

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EXHIBITS TO

FINAL ACCOUNT

EXHIBIT 1 GROSS RECEIPTS

UNIFORM

TRAN. CODE

$ AMOUNT

1 RECEIVED DESCRIPTION

2009 Tax Refunds 1224-000 28,552.00

Interest Income 1270-000 6.61

TOTAL GROSS RECEIPTS $28,558.61

The Uniform Transaction Code is an accounting code assigned by the trustee for statistical reporting purposes. 1

EXHIBIT 2 FUNDS PAID TO DEBTOR & THIRD PARTIES

UNIFORM

TRAN. CODE

$ AMOUNT

PAID PAYEE DESCRIPTION

ROMERO, ROSE M

8200-000 21,226.69

Distribution paid 100.00% on

$21,226.69; Claim# SURPLUS;

Filed: $21,226.69;

Reference:

$21,226.69 TOTAL FUNDS PAID TO DEBTOR AND THIRD

PARTIES

EXHIBIT 3 SECURED CLAIMS

UNIFORM

TRAN. CLAIMS

PAID CLAIMANT

CODE

CLAIMS

ALLOWED

CLAIMS

ASSERTED

CLAIMS

SCHEDULED

(from Form

6D)

CLAIM

NO.

2 Alpine Bank of Rockford 4210-000 6,000.00 N/A N/A 0.00

3 Chase Home Finance 4110-000 106,904.00 N/A N/A 0.00

4 HSBC Mortgage Services 4110-000 164,395.00 N/A N/A 0.00

5 MGC Mortgage Inc 4110-000 131,199.00 N/A N/A 0.00

TOTAL SECURED CLAIMS $408,498.00 $0.00 $0.00 $0.00

UST Form 101-7-TDR (10/1/2010)

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EXHIBIT 4 CHAPTER 7 ADMINISTRATIVE FEES and CHARGES

UNIFORM

TRAN. CLAIMS

PAID PAYEE

CODE

CLAIMS

ALLOWED

CLAIMS

ASSERTED

CLAIMS

SCHEDULED

BERNARD J. NATALE, LTD. 3120-000 N/A 6.85 6.85 6.85

BERNARD J. NATALE, LTD. 3110-000 N/A 1,126.25 1,126.25 1,126.25

BERNARD J. NATALE 2100-000 N/A 1,483.01 1,483.01 1,483.01

INTERNATIONAL SURETIES, LTD 2300-000 N/A 22.55 22.55 22.55

TOTAL CHAPTER 7 ADMIN. FEES N/A

AND CHARGES 2,638.66 2,638.66 2,638.66

UNIFORM

TRAN. CLAIMS

PAID PAYEE

CODE

CLAIMS

ALLOWED

CLAIMS

ASSERTED

CLAIMS

SCHEDULED

EXHIBIT 5 PRIOR CHAPTER ADMINISTRATIVE FEES and CHARGES

None

TOTAL PRIOR CHAPTER ADMIN. N/A

FEES AND CHARGES

0.00 0.00 0.00

EXHIBIT 6 PRIORITY UNSECURED CLAIMS

UNIFORM

TRAN. CLAIMS

PAID CLAIMANT

CODE

CLAIMS

ALLOWED

CLAIMS

ASSERTED

CLAIMS

SCHEDULED

(from Form

6E)

(from Proofs of

Claim)

CLAIM

NO.

None

TOTAL PRIORITY UNSECURED

CLAIMS 0.00 0.00 0.00 0.00

EXHIBIT 7 GENERAL UNSECURED CLAIMS

UNIFORM

TRAN. CLAIMS

PAID CLAIMANT

CODE

CLAIMS

ALLOWED

CLAIMS

ASSERTED

CLAIMS

SCHEDULED

(from Form

6F)

(from Proofs of

Claim)

CLAIM

NO.

1 C/O SALLIE MAE, Inc. 7100-000 N/A 4,675.72 4,675.72 4,675.72

1I C/O SALLIE MAE, Inc. 7990-000 N/A 17.54 17.54 17.54

6 Sallie Mae 7100-000 55,000.00 N/A N/A 0.00

7 Wells Fargo 7100-000 185,523.39 N/A N/A 0.00

8 Wells Fargo 7100-000 5,000.00 N/A N/A 0.00

UST Form 101-7-TDR (10/1/2010)

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TOTAL GENERAL UNSECURED

CLAIMS 245,523.39 4,693.26 4,693.26 4,693.26

UST Form 101-7-TDR (10/1/2010)

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Filed (f) or Converted (c):

Claims Bar Date:

Form 1

Individual Estate Property Record and Report

Asset Cases

Period Ending: 02/23/11

Trustee: BERNARD J. NATALE

Asset Description

(Scheduled And Unscheduled (u) Property)

Petition/

Unscheduled

Values

Estimated Net Value

(Value Determined By Trustee,

Less Liens, Exemptions,

and Other Costs)

Property

Abandoned

OA=§554(a)

DA=§554(c)

Sale/Funds

Received by

the Estate

Asset Fully

Administered (FA)/

Gross Value of

Remaining Assets

1 2 3 4 5 6

Case Number:

Page: 1

09-75719

05/05/10

Ref. #

Case Name: ROMERO, ROSE M

§341(a) Meeting Date: 02/01/10

12/30/09 (f)

(330370)

Exhibit 8

1 Real estate located at: 1509 Ferncliff Blvd, Roc 170,000.00 0.00 DA 0.00 FA

2 Real estate located at: 3315 Sablewood, Rockford 115,000.00 0.00 DA 0.00 FA

3 Real estate located at: 2917 Sitka Lane, Rockfor 120,000.00 0.00 DA 0.00 FA

4 National City Bank - checking 800.00 150.00 DA 0.00 FA

5 Misc. household goods and furnishings 2,000.00 0.00 DA 0.00 FA

6 Clothing and personal items 2,000.00 0.00 DA 0.00 FA

7 Interest in Affiliated Surgeons 401K Plan 25,000.00 0.00 DA 0.00 FA

8 2002 Honda Odyssey (170,000 miles) 3,100.00 775.00 DA 0.00 FA

9 2001 Honda Accord (150,000 miles) 5,500.00 0.00 DA 0.00 FA

10 2000 Honda Accord (150,000 miles) 4,800.00 0.00 DA 0.00 FA

11 2009 Tax Refunds (u) Unknown 28,552.00 28,552.00 FA

Int INTEREST (u) Unknown N/A 6.61 FA

12 Assets Totals (Excluding unknown values) $448,200.00 $29,477.00 $28,558.61 $0.00

Major Activities Affecting Case Closing:

Initial Projected Date Of Final Report (TFR): Current Projected Date Of Final Report (TFR): October 25, 2010 (Actual)

Printed: 02/23/2011 10:35 AM V.12.56

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Blanket Bond:

Separate Bond:

Description of Transaction

Form 2

Cash Receipts And Disbursements Record

02/23/11

Taxpayer ID #: **-***1879

Case Number:

Bank Name:

$552,000.00 (per case limit)

9200-******15-65 - Money Market Account

The Bank of New York Mellon

Trans.

Date

{Ref #} /

Check # Paid To / Received From

Receipts

$

Disbursements

$ Account Balance

Money Market

Trustee: BERNARD J. NATALE (330370)

Page: 1

09-75719

Case Name: ROMERO, ROSE M

N/A

1 2 3 4 5 6 7

Account:

Period Ending:

T-Code

Exhibit 9

05/13/10 {11} Rose Romero Turnover of Undisclosed Tax Refund 1224-000 28,552.00 28,552.00

05/28/10 Int The Bank of New York Mellon Interest posting at 0.0700% 1270-000 0.82 28,552.82

BOND PREMIUM PAYMENT ON LEDGER

BALANCE AS OF 06/01/2010 FOR CASE

#09-75719, BOND #016018067

06/03/10 1001 INTERNATIONAL SURETIES, LTD 2300-000 22.55 28,530.27

06/30/10 Int The Bank of New York Mellon Interest posting at 0.0700% 1270-000 1.64 28,531.91

07/30/10 Int The Bank of New York Mellon Interest posting at 0.0700% 1270-000 1.69 28,533.60

08/31/10 Int The Bank of New York Mellon Interest posting at 0.0700% 1270-000 1.70 28,535.30

09/30/10 Int The Bank of New York Mellon Interest posting at 0.0100% 1270-000 0.23 28,535.53

10/29/10 Int The Bank of New York Mellon Interest posting at 0.0100% 1270-000 0.24 28,535.77

11/30/10 Int The Bank of New York Mellon Interest posting at 0.0100% 1270-000 0.23 28,536.00

12/09/10 Int The Bank of New York Mellon Current Interest Rate is 0.0100% 1270-000 0.06 28,536.06

12/09/10 To Account #9200******1566 Transfer for Final Distributon 9999-000 28,536.06 0.00

ACCOUNT TOTALS 28,558.61 28,558.61 $0.00

Less: Bank Transfers 0.00 28,536.06

Subtotal 28,558.61 22.55

Less: Payments to Debtors 0.00

NET Receipts / Disbursements $28,558.61 $22.55

{} Asset reference(s) Printed: 02/23/2011 10:35 AM V.12.56

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Blanket Bond:

Separate Bond:

Description of Transaction

Form 2

Cash Receipts And Disbursements Record

02/23/11

Taxpayer ID #: **-***1879

Case Number:

Bank Name:

$552,000.00 (per case limit)

9200-******15-66 - Checking Account

The Bank of New York Mellon

Trans.

Date

{Ref #} /

Check # Paid To / Received From

Receipts

$

Disbursements

$ Account Balance

Checking

Trustee: BERNARD J. NATALE (330370)

Page: 2

09-75719

Case Name: ROMERO, ROSE M

N/A

1 2 3 4 5 6 7

Account:

Period Ending:

T-Code

Exhibit 9

12/09/10 From Account #9200******1565 Transfer for Final Distributon 9999-000 28,536.06 28,536.06

Dividend paid 100.00% on $1,483.01, Trustee

Compensation; Reference:

12/10/10 101 BERNARD J. NATALE 2100-000 1,483.01 27,053.05

Distribution paid 100.00% on $21,226.69;

Claim# SURPLUS; Filed: $21,226.69;

Reference:

12/10/10 102 ROMERO, ROSE M 8200-000 21,226.69 5,826.36

12/10/10 103 BERNARD J. NATALE, LTD. Combined Check for Claims#ATTY,EXP 1,133.10 4,693.26

Dividend paid 100.00%

on $1,126.25; Claim#

ATTY; Filed: $1,126.25

1,126.25 3110-000 4,693.26

Dividend paid 100.00%

on $6.85; Claim# EXP;

Filed: $6.85

6.85 3120-000 4,693.26

12/10/10 104 C/O SALLIE MAE, Inc. Combined Check for Claims#1,1I 4,693.26 0.00

Dividend paid 100.00%

on $4,675.72; Claim# 1;

Filed: $4,675.72

4,675.72 7100-000 0.00

Dividend paid 100.00%

on $17.54; Claim# 1I;

Filed: $17.54

17.54 7990-000 0.00

ACCOUNT TOTALS 28,536.06 28,536.06 $0.00

Less: Bank Transfers 28,536.06 0.00

Subtotal 0.00 28,536.06

Less: Payments to Debtors 21,226.69

NET Receipts / Disbursements $0.00 $7,309.37

28,558.61

0.00

22.55

7,309.37

0.00

0.00

Net

Receipts

Net

Disbursements

Account

Balances

MMA # 9200-******15-65

Checking # 9200-******15-66

TOTAL - ALL ACCOUNTS

$28,558.61 $7,331.92 $0.00

{} Asset reference(s) Printed: 02/23/2011 10:35 AM V.12.56

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