}bk1{Form .Vluntary Peiton}bk{

B1 (Official Form 1)(1/08)

United States Bankruptcy Court Voluntary Petition

Name of Debtor (if individual, enter Last, First, Middle):

All Other Names used by the Debtor in the last 8 years

(include married, maiden, and trade names):

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN

(if more than one, state all)

Street Address of Debtor (No. and Street, City, and State):

County of Residence or of the Principal Place of Business:

Mailing Address of Debtor (if different from street address):

Location of Principal Assets of Business Debtor

(if different from street address above):

Name of Joint Debtor (Spouse) (Last, First, Middle):

All Other Names used by the Joint Debtor in the last 8 years

(include married, maiden, and trade names):

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN

(if more than one, state all)

Street Address of Joint Debtor (No. and Street, City, and State):

County of Residence or of the Principal Place of Business:

Mailing Address of Joint Debtor (if different from street address):

ZIP Code ZIP Code

ZIP Code ZIP Code

Type of Debtor

(Form of Organization)

(Check one box)

Individual (includes Joint Debtors)

See Exhibit D on page 2 of this form.

Corporation (includes LLC and LLP)

Partnership

Other (If debtor is not one of the above entities,

check this box and state type of entity below.)

Filing Fee (Check one box)

Full Filing Fee attached

Filing Fee to be paid in installments (applicable to individuals only). Must

attach signed application for the court's consideration certifying that the debtor

is unable to pay fee except in installments. Rule 1006(b). See Official Form 3A.

Filing Fee waiver requested (applicable to chapter 7 individuals only). Must

attach signed application for the court's consideration. See Official Form 3B.

Nature of Business

(Check one box)

Health Care Business

Single Asset Real Estate as defined

in 11 U.S.C. § 101 (51B)

Railroad

Stockbroker

Commodity Broker

Clearing Bank

Other

Tax-Exempt Entity

(Check box, if applicable)

Debtor is a tax-exempt organization

under Title 26 of the United States

Code (the Internal Revenue Code).

Chapter of Bankruptcy Code Under Which

the Petition is Filed (Check one box)

Chapter 7

Chapter 9

Chapter 11

Chapter 12

Chapter 13

Chapter 15 Petition for Recognition

of a Foreign Main Proceeding

Chapter 15 Petition for Recognition

of a Foreign Nonmain Proceeding

Nature of Debts

(Check one box)

Debts are primarily consumer debts, Debts are primarily

defined in 11 U.S.C. § 101(8) as business debts.

"incurred by an individual primarily for

a personal, family, or household purpose."

Check one box: Chapter 11 Debtors

Debtor is a small business debtor as defined in 11 U.S.C. § 101(51D).

Debtor is not a small business debtor as defined in 11 U.S.C. § 101(51D).

Check if:

Debtor’s aggregate noncontingent liquidated debts (excluding debts owed

to insiders or affiliates) are less than $2,190,000.

Check all applicable boxes:

A plan is being filed with this petition.

Acceptances of the plan were solicited prepetition from one or more

classes of creditors, in accordance with 11 U.S.C. § 1126(b).

Statistical/Administrative Information THIS SPACE IS FOR COURT USE ONLY

Debtor estimates that funds will be available for distribution to unsecured creditors.

Debtor estimates that, after any exempt property is excluded and administrative expenses paid,

there will be no funds available for distribution to unsecured creditors.

Estimated Number of Creditors

1- 50- 100- 200- 1,000- 5,001- 10,001- 25,001- 50,001- OVER

49 99 199 999 5,000 10,000 25,000 50,000 100,000 100,000

Estimated Assets

$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than

$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion

million million million million million

Estimated Liabilities

$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than

$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion

million million million million million

Northern District of Illinois

Royhl, Heather

xxx-xx-3890

3S126 Birchwood Drive

Warrenville, IL

DuPage

60555

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 Document Page 1 of 44
B1 (Official Form 1)(1/08) Page 2

Voluntary Petition

(This page must be completed and filed in every case)

Name of Debtor(s):

All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet)

Location Case Number: Date Filed:

Where Filed:

Location Case Number: Date Filed:

Where Filed:

Pending Bankruptcy Case Filed by any Spouse, Partner, or Affiliate of this Debtor (If more than one, attach additional sheet)

Name of Debtor: Case Number: Date Filed:

District: Relationship: Judge:

Exhibit A

(To be completed if debtor is required to file periodic reports (e.g.,

forms 10K and 10Q) with the Securities and Exchange Commission

pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

and is requesting relief under chapter 11.)

Exhibit A is attached and made a part of this petition.

Exhibit C

Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety?

Yes, and Exhibit C is attached and made a part of this petition.

No.

Exhibit D

(To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.)

Exhibit D completed and signed by the debtor is attached and made a part of this petition.

If this is a joint petition:

Exhibit D also completed and signed by the joint debtor is attached and made a part of this petition.

Information Regarding the Debtor - Venue

(Check any applicable box)

Debtor has been domiciled or has had a residence, principal place of business, or principal assets in this District for 180

days immediately preceding the date of this petition or for a longer part of such 180 days than in any other District.

There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District.

Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in

this District, or has no principal place of business or assets in the United States but is a defendant in an action or

proceeding [in a federal or state court] in this District, or the interests of the parties will be served in regard to the relief

sought in this District.

Certification by a Debtor Who Resides as a Tenant of Residential Property

(Check all applicable boxes)

Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)

(Name of landlord that obtained judgment)

(Address of landlord)

Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure

the entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and

Debtor has included in this petition the deposit with the court of any rent that would become due during the 30-day period

after the filing of the petition.

Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).

Exhibit B

(To be completed if debtor is an individual whose debts are primarily consumer debts.)

I, the attorney for the petitioner named in the foregoing petition, declare that I

have informed the petitioner that [he or she] may proceed under chapter 7, 11,

12, or 13 of title 11, United States Code, and have explained the relief available

under each such chapter. I further certify that I delivered to the debtor the notice

required by 11 U.S.C. §342(b).

X

Signature of Attorney for Debtor(s) (Date)

Royhl, Heather

- None -

- None -

/s/ John J Lynch January 4, 2010

John J Lynch 6270193

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 Document Page 2 of 44
B1 (Official Form 1)(1/08) Page 3

Voluntary Petition

(This page must be completed and filed in every case)

Name of Debtor(s):

Signatures

Signature(s) of Debtor(s) (Individual/Joint)

I declare under penalty of perjury that the information provided in this

petition is true and correct.

[If petitioner is an individual whose debts are primarily consumer debts and

has chosen to file under chapter 7] I am aware that I may proceed under

chapter 7, 11, 12, or 13 of title 11, United States Code, understand the relief

available under each such chapter, and choose to proceed under chapter 7.

[If no attorney represents me and no bankruptcy petition preparer signs the

petition] I have obtained and read the notice required by 11 U.S.C. §342(b).

I request relief in accordance with the chapter of title 11, United States Code,

specified in this petition.

X

Signature of Debtor

X

Signature of Joint Debtor

Telephone Number (If not represented by attorney)

Date

Signature of Attorney*

X

Signature of Attorney for Debtor(s)

Printed Name of Attorney for Debtor(s)

Firm Name

Address

Telephone Number

Date

*In a case in which § 707(b)(4)(D) applies, this signature also constitutes a

certification that the attorney has no knowledge after an inquiry that the

information in the schedules is incorrect.

Signature of Debtor (Corporation/Partnership)

I declare under penalty of perjury that the information provided in this

petition is true and correct, and that I have been authorized to file this petition

on behalf of the debtor.

The debtor requests relief in accordance with the chapter of title 11, United

States Code, specified in this petition.

X

Signature of Authorized Individual

Printed Name of Authorized Individual

Title of Authorized Individual

Date

Signature of a Foreign Representative

I declare under penalty of perjury that the information provided in this petition

is true and correct, that I am the foreign representative of a debtor in a foreign

proceeding, and that I am authorized to file this petition.

(Check only one box.)

I request relief in accordance with chapter 15 of title 11. United States Code.

Certified copies of the documents required by 11 U.S.C. §1515 are attached.

Pursuant to 11 U.S.C. §1511, I request relief in accordance with the chapter

of title 11 specified in this petition. A certified copy of the order granting

recognition of the foreign main proceeding is attached.

X

Signature of Foreign Representative

Printed Name of Foreign Representative

Date

Signature of Non-Attorney Bankruptcy Petition Preparer

I declare under penalty of perjury that: (1) I am a bankruptcy petition

preparer as defined in 11 U.S.C. § 110; (2) I prepared this document for

compensation and have provided the debtor with a copy of this document

and the notices and information required under 11 U.S.C. §§ 110(b),

110(h), and 342(b); and, (3) if rules or guidelines have been promulgated

pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services

chargeable by bankruptcy petition preparers, I have given the debtor notice

of the maximum amount before preparing any document for filing for a

debtor or accepting any fee from the debtor, as required in that section.

Official Form 19 is attached.

Printed Name and title, if any, of Bankruptcy Petition Preparer

Social-Security number (If the bankrutpcy petition preparer is not

an individual, state the Social Security number of the officer,

principal, responsible person or partner of the bankruptcy petition

preparer.)(Required by 11 U.S.C. § 110.)

Address

X

Date

Signature of Bankruptcy Petition Preparer or officer, principal, responsible

person,or partner whose Social Security number is provided above.

Names and Social-Security numbers of all other individuals who prepared or

assisted in preparing this document unless the bankruptcy petition preparer is

not an individual:

If more than one person prepared this document, attach additional sheets

conforming to the appropriate official form for each person.

A bankruptcy petition preparer’s failure to comply with the provisions of

title 11 and the Federal Rules of Bankruptcy Procedure may result in

fines or imprisonment or both 11 U.S.C. §110; 18 U.S.C. §156.

Royhl, Heather

/s/ Heather Royhl

Heather Royhl

January 4, 2010

/s/ John J Lynch

John J Lynch 6270193

Law Offices of John J Lynch, P.C.

801 Warrenville Road, Ste. 560

Lisle, IL 60532

Email: JJLynch@JJLynchLaw.Com

630-960-4700 Fax: 630-960-4755

January 4, 2010

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 3 of 44
 1/04/10 2:43PM

B 1D (Official Form 1, Exhibit D) (12/09)

United States Bankruptcy Court

Northern District of Illinois

In re Heather Royhl Case No.

Debtor(s) Chapter 13

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT

Warning: You must be able to check truthfully one of the five statements regarding credit

counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court

can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your

creditors will be able to resume collection activities against you. If your case is dismissed and you file

another bankruptcy case later, you may be required to pay a second filing fee and you may have to take

extra steps to stop creditors' collection activities.

Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete

and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.

 1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit

counseling agency approved by the United States trustee or bankruptcy administrator that outlined the

opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have

a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy

of any debt repayment plan developed through the agency.

 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit

counseling agency approved by the United States trustee or bankruptcy administrator that outlined the

opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do

not have a certificate from the agency describing the services provided to me. You must file a copy of a

certificate from the agency describing the services provided to you and a copy of any debt repayment plan

developed through the agency no later than 14 days after your bankruptcy case is filed.

 3. I certify that I requested credit counseling services from an approved agency but was unable to

obtain the services during the seven days from the time I made my request, and the following exigent

circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case

now. [Summarize exigent circumstances here.]

If your certification is satisfactory to the court, you must still obtain the credit counseling briefing

within the first 30 days after you file your bankruptcy petition and promptly file a certificate from the

agency that provided the counseling, together with a copy of any debt management plan developed

through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any

extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days.

Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy

case without first receiving a credit counseling briefing.

 4. I am not required to receive a credit counseling briefing because of: [Check the applicable

statement.] [Must be accompanied by a motion for determination by the court.]

Software Copyright (c) 1996-2009 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main

 Document Page 4 of 44
 1/04/10 2:43PM

B 1D (Official Form 1, Exhibit D) (12/09) - Cont. Page 2

 Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or

mental deficiency so as to be incapable of realizing and making rational decisions with respect to

financial responsibilities.);

 Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being

unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or

through the Internet.);

 Active military duty in a military combat zone.

 5. The United States trustee or bankruptcy administrator has determined that the credit counseling

requirement of 11 U.S.C. § 109(h) does not apply in this district.

I certify under penalty of perjury that the information provided above is true and correct.

Signature of Debtor: /s/ Heather Royhl

Heather Royhl

Date: January 4, 2010

Software Copyright (c) 1996-2009 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main

 Document Page 5 of 44
}bk1{Form 6.Suary ofScheduls}bk{

United States Bankruptcy Court

Northern District of Illinois

In re

,

Debtor

Case No.

Chapter 13

Heather Royhl

B6 Summary (Official Form 6 - Summary) (12/07)

Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A,

B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtor’s assets.

Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtor’s liabilities. Individual debtors must

also complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.

SUMMARY OF SCHEDULES

ATTACHED NO. OF NAME OF SCHEDULE ASSETS LIABILITIES OTHER

(YES/NO) SHEETS

A - Real Property

B - Personal Property

C - Property Claimed as Exempt

D - Creditors Holding Secured Claims

E - Creditors Holding Unsecured

Priority Claims

F - Creditors Holding Unsecured

Nonpriority Claims

G - Executory Contracts and

Unexpired Leases

H - Codebtors

I - Current Income of Individual

Debtor(s)

J - Current Expenditures of Individual

Debtor(s)

Total Number of Sheets of ALL Schedules

Total Assets

Total Liabilities

(Total of Claims on Schedule E)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

1 0.00

3 8,630.00

1

1 0.00

2 2,500.00

4 64,190.87

1

1

2 3,513.32

2 3,111.00

18

8,630.00

66,690.87

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 6 of 44
}bk1{Form 6.Staiscl Sumaryof CetainLbles andRlte Da}bk{

United States Bankruptcy Court

Northern District of Illinois

In re

,

Debtor

Case No.

Chapter 13

Heather Royhl

Form 6 - Statistical Summary (12/07)

STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)

If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C.§ 101(8)), filing

a case under chapter 7, 11 or 13, you must report all information requested below.

Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to

report any information here.

This information is for statistical purposes only under 28 U.S.C. § 159.

Summarize the following types of liabilities, as reported in the Schedules, and total them.

Type of Liability Amount

Domestic Support Obligations (from Schedule E)

Taxes and Certain Other Debts Owed to Governmental Units

(from Schedule E)

Claims for Death or Personal Injury While Debtor Was Intoxicated

(from Schedule E) (whether disputed or undisputed)

Student Loan Obligations (from Schedule F)

Domestic Support, Separation Agreement, and Divorce Decree

Obligations Not Reported on Schedule E

Obligations to Pension or Profit-Sharing, and Other Similar Obligations

(from Schedule F)

TOTAL

State the following:

Average Income (from Schedule I, Line 16)

Average Expenses (from Schedule J, Line 18)

Current Monthly Income (from Form 22A Line 12; OR,

Form 22B Line 11; OR, Form 22C Line 20 )

State the following:

1. Total from Schedule D, "UNSECURED PORTION, IF ANY"

column

2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY"

column

3. Total from Schedule E, "AMOUNT NOT ENTITLED TO

PRIORITY, IF ANY" column

4. Total from Schedule F

5. Total of non-priority unsecured debt (sum of 1, 3, and 4)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

0.00

2,500.00

0.00

0.00

0.00

0.00

2,500.00

3,513.32

3,111.00

5,417.00

0.00

2,500.00

0.00

64,190.87

64,190.87

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 7 of 44
}bk1{Schedul A-ReaPropty}bk{

In re

,

Debtor

Heather Royhl Case No.

B6A (Official Form 6A) (12/07)

Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a

cotenant, community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable for

the debtor's own benefit. If the debtor is married, state whether husband, wife, both, or the marital community own the property by placing an "H," "W,"

"J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor holds no interest in real property, write "None" under

"Description and Location of Property."

Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and

Unexpired Leases.

If an entity claims to have a lien or hold a secured interest in any property, state the amount of the secured claim. See Schedule D. If no entity

claims to hold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim." If the debtor is an individual or

if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property Claimed as Exempt.

Description and Location of Property Nature of Debtor's

Interest in Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in

Property, without

Deducting any Secured

Claim or Exemption

Amount of

Secured Claim

continuation sheets attached to the Schedule of Real Property

SCHEDULE A - REAL PROPERTY

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

0

None

Sub-Total > 0.00 (Total of this page)

Total >

(Report also on Summary of Schedules)

0.00

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 8 of 44
}bk1{Schedul B-Personal Prpety}bk{

In re

,

Debtor

Heather Royhl Case No.

B6B (Official Form 6B) (12/07)

Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories, place

an "x" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identified

with the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital community

own the property by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor is an individual or a joint

petition is filed, state the amount of any exemptions claimed only in Schedule C - Property Claimed as Exempt.

Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and

Unexpired Leases.

If the property is being held for the debtor by someone else, state that person's name and address under "Description and Location of Property."

If the property is being held for a minor child, simply state the child's initials and the name and address of the child's parent or guardian, such as

"A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).

Type of Property

N

O

N

E

Description and Location of Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in Property,

without Deducting any

Secured Claim or Exemption

continuation sheets attached to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

2

1. Cash on hand Cash on Hand - 30.00

2. Checking, savings or other financial

accounts, certificates of deposit, or

shares in banks, savings and loan,

thrift, building and loan, and

homestead associations, or credit

unions, brokerage houses, or

cooperatives.

Checking / Savings Account at: Corporate America

Family Credit Union

- 500.00

3. Security deposits with public

utilities, telephone companies,

landlords, and others.

X

4. Household goods and furnishings,

including audio, video, and

computer equipment.

Misc Household Goods and Furniture located at - 3

S. 126 Birchwood Drive, Warrenville, IL 60555

- 800.00

5. Books, pictures and other art

objects, antiques, stamp, coin,

record, tape, compact disc, and

other collections or collectibles.

X

6. Wearing apparel. Personal Clothing of Debtor - 200.00

7. Furs and jewelry. X

8. Firearms and sports, photographic,

and other hobby equipment.

X

9. Interests in insurance policies.

Name insurance company of each

policy and itemize surrender or

refund value of each.

X

10. Annuities. Itemize and name each

issuer.

X

Sub-Total >

(Total of this page)

1,530.00

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 Document Page 9 of 44
B6B (Official Form 6B) (12/07) - Cont.

Type of Property

N

O

N

E

Description and Location of Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in Property,

without Deducting any

Secured Claim or Exemption

Sheet of continuation sheets attached

to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY

(Continuation Sheet)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

11. Interests in an education IRA as

defined in 26 U.S.C. § 530(b)(1) or

under a qualified State tuition plan

as defined in 26 U.S.C. § 529(b)(1).

Give particulars. (File separately the

record(s) of any such interest(s).

11 U.S.C. § 521(c).)

X

12. Interests in IRA, ERISA, Keogh, or

other pension or profit sharing

plans. Give particulars.

401K @ Fidelity - 4,600.00

13. Stock and interests in incorporated

and unincorporated businesses.

Itemize.

X

14. Interests in partnerships or joint

ventures. Itemize.

X

15. Government and corporate bonds

and other negotiable and

nonnegotiable instruments.

X

16. Accounts receivable. X

17. Alimony, maintenance, support, and

property settlements to which the

debtor is or may be entitled. Give

particulars.

X

18. Other liquidated debts owed to debtor

including tax refunds. Give particulars.

X

19. Equitable or future interests, life

estates, and rights or powers

exercisable for the benefit of the

debtor other than those listed in

Schedule A - Real Property.

X

20. Contingent and noncontingent

interests in estate of a decedent,

death benefit plan, life insurance

policy, or trust.

X

21. Other contingent and unliquidated

claims of every nature, including

tax refunds, counterclaims of the

debtor, and rights to setoff claims.

Give estimated value of each.

X

Sub-Total >

(Total of this page)

4,600.00

1 2

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 10 of 44
B6B (Official Form 6B) (12/07) - Cont.

Type of Property

N

O

N

E

Description and Location of Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in Property,

without Deducting any

Secured Claim or Exemption

Sheet of continuation sheets attached

to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY

(Continuation Sheet)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

22. Patents, copyrights, and other

intellectual property. Give

particulars.

X

23. Licenses, franchises, and other

general intangibles. Give

particulars.

X

24. Customer lists or other compilations

containing personally identifiable

information (as defined in 11 U.S.C.

§ 101(41A)) provided to the debtor

by individuals in connection with

obtaining a product or service from

the debtor primarily for personal,

family, or household purposes.

X

25. Automobiles, trucks, trailers, and

other vehicles and accessories.

2002 Nissan Pathfinder - F/C

MV per Kelley Blue Book

- 2,500.00

26. Boats, motors, and accessories. X

27. Aircraft and accessories. X

28. Office equipment, furnishings, and

supplies.

X

29. Machinery, fixtures, equipment, and

supplies used in business.

X

30. Inventory. X

31. Animals. X

32. Crops - growing or harvested. Give

particulars.

X

33. Farming equipment and

implements.

X

34. Farm supplies, chemicals, and feed. X

35. Other personal property of any kind

not already listed. Itemize.

X

Sub-Total >

(Total of this page)

2,500.00

2 2

Total >

(Report also on Summary of Schedules)

8,630.00

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 11 of 44
}bk1{Schedul C-Propety Claimed sExpt}bk{

In re

,

Debtor

Heather Royhl Case No.

B6C (Official Form 6C) (12/07)

Debtor claims the exemptions to which debtor is entitled under: Check if debtor claims a homestead exemption that exceeds

(Check one box) $136,875.

11 U.S.C. §522(b)(2)

11 U.S.C. §522(b)(3)

Description of Property Specify Law Providing

Each Exemption

Value of

Claimed

Exemption

Current Value of

Property Without

Deducting Exemption

continuation sheets attached to Schedule of Property Claimed as Exempt

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

0

Cash on Hand

Cash on Hand 735 ILCS 5/12-1001(b) 30.00 30.00

Checking, Savings, or Other Financial Accounts, Certificates of Deposit

Checking / Savings Account at: Corporate

America Family Credit Union

735 ILCS 5/12-1001(b) 500.00 500.00

Household Goods and Furnishings

Misc Household Goods and Furniture located at

- 3 S. 126 Birchwood Drive, Warrenville, IL

60555

735 ILCS 5/12-1001(b) 800.00 800.00

Wearing Apparel

Personal Clothing of Debtor 735 ILCS 5/12-1001(a) 200.00 200.00

Interests in IRA, ERISA, Keogh, or Other Pension or Profit Sharing Plans

401K @ Fidelity 735 ILCS 5/12-704 4,600.00 4,600.00

Automobiles, Trucks, Trailers, and Other Vehicles

2002 Nissan Pathfinder - F/C

MV per Kelley Blue Book

735 ILCS 5/12-1001(c) 2,400.00 2,500.00

Total: 8,530.00 8,630.00

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 12 of 44
}bk1{Schedul D-Creditos HldingSecurd Claims}bk{

AMOUNT OF

CLAIM

WITHOUT

DEDUCTING

VALUE OF

COLLATERAL

DATE CLAIM WAS INCURRED,

NATURE OF LIEN, AND

DESCRIPTION AND VALUE

OF PROPERTY

SUBJECT TO LIEN

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Husband, Wife, Joint, or Community

H

W

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CREDITOR'S NAME

AND MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Value $

Account No.

Value $

Account No.

Value $

Account No.

Value $

Subtotal

_____ continuation sheets attached (Total of this page)

UNSECURED

PORTION, IF

ANY

B6D (Official Form 6D) (12/07)

State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of

the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided

if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and

other security interests.

List creditors in alphabetical order to the extent practicable. If a minor child is a creditor, the child's initials and the name and address of the child's parent or

guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). If all secured

creditors will not fit on this page, use the continuation sheet provided.

If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor" ,include the entity on the appropriate

schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be

liable on each claim by placing an "H", "W", "J", or "C" in the column labeled "Husband, Wife, Joint, or Community".

If the claim is contingent, place an "X" in the column labeled "Contingent". If the claim is unliquidated, place an "X" in the column labeled "Unliquidated". If the

claim is disputed, place an "X" in the column labeled "Disputed". (You may need to place an "X" in more than one of these three columns.)

Total the columns labeled "Amount of Claim Without Deducting Value of Collateral" and "Unsecured Portion, if Any" in the boxes labeled "Total(s)" on the last

sheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual with

primarily consumer debts, report the total from the column labeled "Unsecured Portion" on the Statistical Summary of Certain Liabilities and Related Data.

Check this box if debtor has no creditors holding secured claims to report on this Schedule D.

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

0

Total 0.00 0.00

(Report on Summary of Schedules)

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 13 of 44
}bk1{Schedul E-Creditos HldingUsecurd PiotyClams}bk{

B6E (Official Form 6E) (12/07)

A complete list of claims entitled to priority, listed separately by type of priority, is to be set forth on the sheets provided. Only holders of unsecured claims entitled

to priority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address, including zip code, and last four digits of the

account number, if any, of all entities holding priority claims against the debtor or the property of the debtor, as of the date of the filing of the petition. Use a separate

continuation sheet for each type of priority and label each with the type of priority.

The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do

so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian."

Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).

If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate

schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be

liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim is contingent, place an "X" in the

column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled

"Disputed." (You may need to place an "X" in more than one of these three columns.)

Report the total of claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E in the box labeled

"Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules.

Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts entitled to priority

listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total

also on the Statistical Summary of Certain Liabilities and Related Data.

Report the total of amounts not entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts not entitled to

priority listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this

total also on the Statistical Summary of Certain Liabilities and Related Data.

Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.

TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets)

Domestic support obligations

Claims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, or responsible relative

of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in 11 U.S.C. § 507(a)(1).

Extensions of credit in an involuntary case

Claims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of the appointment of a

trustee or the order for relief. 11 U.S.C. § 507(a)(3).

Wages, salaries, and commissions

Wages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifying independent sales

representatives up to $10,950* per person earned within 180 days immediately preceding the filing of the original petition, or the cessation of business, whichever

occurred first, to the extent provided in 11 U.S.C. § 507(a)(4).

Contributions to employee benefit plans

Money owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or the cessation of business,

whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(5).

Certain farmers and fishermen

Claims of certain farmers and fishermen, up to $5,400* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).

Deposits by individuals

Claims of individuals up to $2,425* for deposits for the purchase, lease, or rental of property or services for personal, family, or household use, that were not

delivered or provided. 11 U.S.C. § 507(a)(7).

Taxes and certain other debts owed to governmental units

Taxes, customs duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. § 507(a)(8).

Commitments to maintain the capital of an insured depository institution

Claims based on commitments to the FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors of the Federal

Reserve System, or their predecessors or successors, to maintain the capital of an insured depository institution. 11 U.S.C. § 507 (a)(9).

Claims for death or personal injury while debtor was intoxicated

Claims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using alcohol, a drug, or

another substance. 11 U.S.C. § 507(a)(10).

* Amounts are subject to adjustment on April 1, 2010, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

continuation sheets attached

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

1

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 14 of 44
B6E (Official Form 6E) (12/07) - Cont.

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D

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P

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Husband, Wife, Joint, or Community

H

W

J

C

CREDITOR'S NAME,

AND MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions.)

DATE CLAIM WAS INCURRED AMOUNT

AND CONSIDERATION FOR CLAIM OF CLAIM

Account No.

Account No.

Account No.

Account No.

Account No.

Subtotal Sheet _____ of _____ continuation sheets attached to

Schedule of Creditors Holding Unsecured Priority Claims (Total of this page)

TYPE OF PRIORITY

AMOUNT NOT

ENTITLED TO

PRIORITY, IF ANY

AMOUNT

ENTITLED TO

PRIORITY

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

(Continuation Sheet)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

Taxes and Certain Other Debts

Owed to Governmental Units

2007

Illinois Department of Revenue

PO Box 19043

Springfield, IL 62794

-

1,000.00 1,000.00

0.00

2007

Internal Revenue Service (IRS)

PO Box 21162

Philadelphia, PA 19114

-

1,500.00 1,500.00

0.00

2,500.00 2,500.00

1 1 0.00

2,500.00 2,500.00

Total 0.00

(Report on Summary of Schedules)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 15 of 44
}bk1{Schedul F-Creditos HldingUsecurd Nonpirty Claims}bk{

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P

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D

Husband, Wife, Joint, or Community

H

W

J

C

CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Subtotal

_____ continuation sheets attached (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

B6F (Official Form 6F) (12/07)

State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without priority against the

debtor or the property of the debtor, as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the

trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's

parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Do not

include claims listed in Schedules D and E. If all creditors will not fit on this page, use the continuation sheet provided.

If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate

schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be

liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community."

If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the

claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)

Report the total of all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedule. Report this total also on the Summary of

Schedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data.

Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.

S/N:33141-091201

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

3

xxx xxxxx-xxxx9309 Opened 11/30/06 Last Active 5/01/06

Collection A.F.S. Assignee Of B

Arrow Financial Servic

5996 W Touhy Ave

Niles, IL 60714

-

6,111.00

xxxxxxxx-xxxx3821 Opened 6/12/08 Last Active 4/01/06

Collection Citibank

Asset Acceptance Llc

Po Box 2036

Warren, MI 48090

-

8,689.00

xxxx2025 Opened 9/25/08

Collection Metrostyle / World F

Asset Acceptance Llc

Po Box 2036

Warren, MI 48090

-

3,065.00

xxxxxxxx2762 Opened 7/17/98 Last Active 1/01/08

ChargeAccount

Cap One

Po Box 85520

Richmond, VA 23285

-

4,249.00

22,114.00

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 16 of 44
B6F (Official Form 6F) (12/07) - Cont.

C

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Husband, Wife, Joint, or Community

H

W

J

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CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Account No.

Sheet no. _____ of _____ sheets attached to Schedule of Subtotal

Creditors Holding Unsecured Nonpriority Claims (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

(Continuation Sheet)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

xxxxxxxxxxxx6249 Opened 2/29/08 Last Active 12/01/09

Ccs/First National Ban

500 E 60th St N

Sioux Falls, SD 57104

-

212.00

xx8209 Consumer Credit

Department of Revenue

City Hall: Room 107A

121 N. LaSalle St.

Chicago, IL 60602

-

3,051.87

xxxxxxxxxxxx5422 Opened 9/21/08 Last Active 10/01/09

First Premier Bank

601 S Minnesota Ave

Sioux Falls, SD 57104

-

454.00

xxxxxxxxxxxx5396 Opened 12/16/07 Last Active 10/01/09

First Premier Bank

601 S Minnesota Ave

Sioux Falls, SD 57104

-

348.00

xxxxxxxx9209 Opened 9/20/08 Last Active 11/06/09

Hsbc Bank

Po Box 5253

Carol Stream, IL 60197

-

279.00

4,344.87

1 3

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 17 of 44
B6F (Official Form 6F) (12/07) - Cont.

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P

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Husband, Wife, Joint, or Community

H

W

J

C

CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Account No.

Sheet no. _____ of _____ sheets attached to Schedule of Subtotal

Creditors Holding Unsecured Nonpriority Claims (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

(Continuation Sheet)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

xxxxxxxxxxxx9785 Opened 12/29/06 Last Active 11/01/05

Collection Ge Capital Jc Penney

Lvnv Funding Llc

Po Box 740281

Houston, TX 77274

-

1,552.00

xxxxxxxxxxxxx0001 Opened 12/06/04 Last Active 7/13/07

2002 Nissan Pathfinder - F/C

Nissan Motor Acceptanc MV per Kelley Blue Book

Po Box 660360

Dallas, TX 75266

-

11,880.00

xxxxx7620 Opened 10/29/01 Last Active 5/01/06

ChargeAccount

Nordstrom Fsb

Po Box 6555

Englewood, CO 80155

-

1,282.00

xxx2460 Opened 5/21/08 Last Active 4/01/06

Collection Bank Of America

Pinnacle Credit Servic

7900 Highway 7 # 100

Saint Louis Park, MN 55426

-

16,164.00

xx xxxxx -xxxxx62N1 Last Active 5/01/06

Other Checking or Savings / Additional Offers

Pltnum

1245 S Main St #100

Grapevine, TX 76051

-

1,665.00

32,543.00

2 3

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 18 of 44
B6F (Official Form 6F) (12/07) - Cont.

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D

D

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P

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E

D

Husband, Wife, Joint, or Community

H

W

J

C

CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Account No.

Sheet no. _____ of _____ sheets attached to Schedule of Subtotal

Creditors Holding Unsecured Nonpriority Claims (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

(Continuation Sheet)

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

In re

,

Debtor

Heather Royhl Case No.

xxxxxxxxxxxx9667 Opened 9/28/07

Collection Collect America

Portfolio Recvry&Affil

120 Corporate Blvd Ste 1

Norfolk, VA 23502

-

846.00

xxxxxxxxxxxx1732 Opened 11/30/06 Last Active 12/01/09

Tribute

Po Box 105555

Atlanta, GA 30348

-

531.00

xxxxxxxxxxxx1820 Opened 10/27/05 Last Active 12/01/09

ChargeAccount

Wffnatbank

Po Box 94498

Las Vegas, NV 89193

-

980.00

xxxxx9297 Opened 6/01/99 Last Active 6/01/06

ChargeAccount

Wfnnb

P.O. Box 182122 Tape Reporting

Number

Columbus, OH 43218

-

1,904.00

xxxxxx3094 Opened 5/29/08 Last Active 10/01/06

Collection Amoco Consumer

Zenith Acquisition

220 John Glenn Dr # 1

Amherst, NY 14228

-

928.00

5,189.00

3 3

64,190.87

Total

(Report on Summary of Schedules)

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 19 of 44
}bk1{Schedul G-Executory Cnactsd Unexpird Leas}bk{

In re

,

Debtor

Heather Royhl Case No.

B6G (Official Form 6G) (12/07)

Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State nature

of debtor's interest in contract, i.e., "Purchaser", "Agent", etc. State whether debtor is the lessor or lessee of a lease. Provide the names and

complete mailing addresses of all other parties to each lease or contract described. If a minor child is a party to one of the leases or contracts,

state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not

disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).

Check this box if debtor has no executory contracts or unexpired leases.

Name and Mailing Address, Including Zip Code,

of Other Parties to Lease or Contract

Description of Contract or Lease and Nature of Debtor's Interest.

State whether lease is for nonresidential real property.

State contract number of any government contract.

continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases

SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

0

Case 10-00080 Doc 1 Filed 01/04/10 Entered 01/04/10 14:45:37 Desc Main 1/04/10 2:43PM

 Document Page 20 of 44
}bk1{Schedul H-Codebtrs}k{

In re

,

Debtor

Heather Royhl Case No.

B6H (Official Form 6H) (12/07)

Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listed

by debtor in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state,

commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or

Wisconsin) within the eight year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and of

any former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names used

by the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor,

state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not

disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).

Check this box if debtor has no codebtors.

NAME AND ADDRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR

continuation sheets attached to Schedule of Codebtors

SCHEDULE H - CODEBTORS

Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

0

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B6I (Official Form 6I) (12/07)

In re Heather Royhl Case No.

Debtor(s)

SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)

The column labeled "Spouse" must be completed in all cases filed by joint debtors and by every married debtor, whether or not a joint petition is

filed, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly income

calculated on this form may differ from the current monthly income calculated on Form 22A, 22B, or 22C.

Debtor's Marital Status: DEPENDENTS OF DEBTOR AND SPOUSE

Single

RELATIONSHIP(S):

None.

AGE(S):

Employment: DEBTOR SPOUSE

Occupation Underwriter

Name of Employer Sierra Pacific Mortgage

How long employed 1 1/2 Yrs.

Address of Employer 50 Iron Point Circle

Suite: 200

Folsom, CA 95630

INCOME: (Estimate of average or projected monthly income at time case filed) DEBTOR SPOUSE

1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly) $ 5,416.66 $ N/A

2. Estimate monthly overtime $ 0.00 $ N/A

3. SUBTOTAL $ 5,416.66 $ N/A

4. LESS PAYROLL DEDUCTIONS

a. Payroll taxes and social security $ 1,431.86 $ N/A

b. Insurance $ 87.16 $ N/A

c. Union dues $ 0.00 $ N/A

d. Other (Specify) See Detailed Income Attachment $ 384.32 $ N/A

5. SUBTOTAL OF PAYROLL DEDUCTIONS $ 1,903.34 $ N/A

6. TOTAL NET MONTHLY TAKE HOME PAY $ 3,513.32 $ N/A

7. Regular income from operation of business or profession or farm (Attach detailed statement) $ 0.00 $ N/A

8. Income from real property $ 0.00 $ N/A

9. Interest and dividends $ 0.00 $ N/A

10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that of

dependents listed above $ 0.00 $ N/A

11. Social security or government assistance

(Specify): $ 0.00 $ N/A

$ 0.00 $ N/A

12. Pension or retirement income $ 0.00 $ N/A

13. Other monthly income

(Specify): $ 0.00 $ N/A

$ 0.00 $ N/A

14. SUBTOTAL OF LINES 7 THROUGH 13 $ 0.00 $ N/A

15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $ 3,513.32 $ N/A

16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $ 3,513.32

(Report also on Summary of Schedules and, if applicable, on

Statistical Summary of Certain Liabilities and Related Data)

17. Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:

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B6I (Official Form 6I) (12/07)

In re Heather Royhl Case No.

Debtor(s)

SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)

Detailed Income Attachment

Other Payroll Deductions:

Delta Dental Dh $ 25.16 $ N/A

Disability $ 15.72 $ N/A

Life Ee $ 9.00 $ N/A

Vision Pretax $ 9.44 $ N/A

401K Regatta $ 325.00 $ N/A

Total Other Payroll Deductions $ 384.32 $ N/A

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B6J (Official Form 6J) (12/07)

In re Heather Royhl Case No.

Debtor(s)

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Complete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family at time case

filed. Prorate any payments made bi-weekly, quarterly, semi-annually, or annually to show monthly rate. The average monthly

expenses calculated on this form may differ from the deductions from income allowed on Form 22A or 22C.

 Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of

expenditures labeled "Spouse."

1. Rent or home mortgage payment (include lot rented for mobile home) $ 700.00

 a. Are real estate taxes included? Yes No X

 b. Is property insurance included? Yes No X

2. Utilities: a. Electricity and heating fuel $ 200.00

b. Water and sewer $ 0.00

c. Telephone $ 0.00

d. Other See Detailed Expense Attachment $ 222.00

3. Home maintenance (repairs and upkeep) $ 25.00

4. Food $ 625.00

5. Clothing $ 150.00

6. Laundry and dry cleaning $ 45.00

7. Medical and dental expenses $ 200.00

8. Transportation (not including car payments) $ 325.00

9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 100.00

10. Charitable contributions $ 0.00

11. Insurance (not deducted from wages or included in home mortgage payments)

a. Homeowner's or renter's $ 0.00

b. Life $ 60.00

c. Health $ 0.00

d. Auto $ 125.00

e. Other Pet Insurance $ 75.00

12. Taxes (not deducted from wages or included in home mortgage payments)

(Specify) $ 0.00

13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the

plan)

a. Auto $ 0.00

b. Other $ 0.00

c. Other $ 0.00

14. Alimony, maintenance, and support paid to others $ 0.00

15. Payments for support of additional dependents not living at your home $ 0.00

16. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ 0.00

17. Other See Detailed Expense Attachment $ 259.00

18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and,

if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)

$ 3,111.00

19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year

following the filing of this document:

20. STATEMENT OF MONTHLY NET INCOME

a. Average monthly income from Line 15 of Schedule I $ 3,513.32

b. Average monthly expenses from Line 18 above $ 3,111.00

c. Monthly net income (a. minus b.) $ 402.32

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B6J (Official Form 6J) (12/07)

In re Heather Royhl Case No.

Debtor(s)

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Detailed Expense Attachment

Other Utility Expenditures:

Cell Phone $ 122.00

Cable $ 50.00

Internet $ 50.00

Total Other Utility Expenditures $ 222.00

Other Expenditures:

Personal Care / Haircuts $ 75.00

Auto Maintenance / Repairs / Oil Changes $ 100.00

Storage Space $ 84.00

Total Other Expenditures $ 259.00

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B6 Declaration (Official Form 6 - Declaration). (12/07)

United States Bankruptcy Court

Northern District of Illinois

In re Heather Royhl Case No.

Debtor(s) Chapter 13

DECLARATION CONCERNING DEBTOR'S SCHEDULES

DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR

I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of 20

sheets, and that they are true and correct to the best of my knowledge, information, and belief.

Date January 4, 2010 Signature /s/ Heather Royhl

Heather Royhl

Debtor

Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both.

18 U.S.C. §§ 152 and 3571.

Software Copyright (c) 1996-2009 Best Case Solutions, Inc. - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

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B7 (Official Form 7) (12/07)

United States Bankruptcy Court

Northern District of Illinois

In re Heather Royhl Case No.

Debtor(s) Chapter 13

STATEMENT OF FINANCIAL AFFAIRS

This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for

both spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or

not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole

proprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all such

activities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the

name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11

U.S.C. § 112; Fed. R. Bankr. P. 1007(m).

Questions 1 - 18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete

Questions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer

to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.

DEFINITIONS

"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in

business" for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of

the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner,

other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be "in business"

for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the

debtor's primary employment.

"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;

corporations of which the debtor is an officer, director, or person in control; officers, directors, and any owner of 5 percent or more of the voting or

equity securities of a corporate debtor and their relatives; affiliates of the debtor and insiders of such affiliates; any managing agent of the debtor. 11

U.S.C. § 101.

__________________________________________

None



1. Income from employment or operation of business

State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's

business, including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar

year to the date this case was commenced. State also the gross amounts received during the two years immediately preceding this

calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may

report fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for

each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint

petition is filed, unless the spouses are separated and a joint petition is not filed.)

AMOUNT SOURCE

$74,669.00 2009 YTD: Debtor Sierra Pacific Mortgage

$60,311.00 2008: Debtor Employment Income

$67,696.00 2007: Debtor Employment Income

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2. Income other than from employment or operation of business

State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business

during the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for

each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint

petition is filed, unless the spouses are separated and a joint petition is not filed.)

AMOUNT SOURCE

None



3. Payments to creditors

Complete a. or b., as appropriate, and c.

a. Individual or joint debtor(s) with primarily consumer debts. List all payments on loans, installment purchases of goods or services,

and other debts to any creditor made within 90 days immediately preceding the commencement of this case unless the aggregate value

of all property that constitutes or is affected by such transfer is less than $600. Indicate with an (*) any payments that were made to a

creditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved

nonprofit budgeting and creditor counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by

either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS

OF CREDITOR

DATES OF

PAYMENTS AMOUNT PAID

AMOUNT STILL

OWING

None



b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days

immediately preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such

transfer is less than $5,475. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on

account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit

budgeting and creditor counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or

both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR

DATES OF

PAYMENTS/

TRANSFERS

AMOUNT

PAID OR

VALUE OF

TRANSFERS

AMOUNT STILL

OWING

None



c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of

creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both

spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR AND

RELATIONSHIP TO DEBTOR DATE OF PAYMENT AMOUNT PAID

AMOUNT STILL

OWING

None



4. Suits and administrative proceedings, executions, garnishments and attachments

a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of

this bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses

whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

CAPTION OF SUIT

AND CASE NUMBER NATURE OF PROCEEDING

COURT OR AGENCY

AND LOCATION

STATUS OR

DISPOSITION

J.R.S.-L, Inc vs. Heather

Royhl

Case No: 09 SC 7496

Garnishment DuPage County, IL Pending

None



b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately

preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning

property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not

filed.)

NAME AND ADDRESS OF PERSON FOR WHOSE

BENEFIT PROPERTY WAS SEIZED DATE OF SEIZURE

DESCRIPTION AND VALUE OF

PROPERTY

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5. Repossessions, foreclosures and returns

List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or

returned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12

or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the

spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF

CREDITOR OR SELLER

DATE OF REPOSSESSION,

FORECLOSURE SALE,

TRANSFER OR RETURN

DESCRIPTION AND VALUE OF

PROPERTY

None



6. Assignments and receiverships

a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of

this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a

joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF ASSIGNEE

DATE OF

ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT

None



b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately

preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning

property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not

filed.)

NAME AND ADDRESS

OF CUSTODIAN

NAME AND LOCATION

OF COURT

CASE TITLE & NUMBER

DATE OF

ORDER

DESCRIPTION AND VALUE OF

PROPERTY

None



7. Gifts

List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary

and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions

aggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by

either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF

PERSON OR ORGANIZATION

RELATIONSHIP TO

DEBTOR, IF ANY DATE OF GIFT

DESCRIPTION AND

VALUE OF GIFT

None



8. Losses

List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or

since the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both

spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

DESCRIPTION AND VALUE

OF PROPERTY

DESCRIPTION OF CIRCUMSTANCES AND, IF

LOSS WAS COVERED IN WHOLE OR IN PART

BY INSURANCE, GIVE PARTICULARS DATE OF LOSS

None



9. Payments related to debt counseling or bankruptcy

List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation

concerning debt consolidation, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediately

preceding the commencement of this case.

NAME AND ADDRESS

OF PAYEE

DATE OF PAYMENT,

NAME OF PAYOR IF OTHER

THAN DEBTOR

AMOUNT OF MONEY

OR DESCRIPTION AND VALUE

OF PROPERTY

Law Offices of John J. Lynch, PC

801 Warrenville Road, Suite 560

Lisle, IL 60532

December 2009 $2200.00

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10. Other transfers

a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor,

transferred either absolutely or as security within two years immediately preceding the commencement of this case. (Married debtors

filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the

spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF TRANSFEREE,

RELATIONSHIP TO DEBTOR DATE

DESCRIBE PROPERTY TRANSFERRED

AND VALUE RECEIVED

None



b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled

trust or similar device of which the debtor is a beneficiary.

NAME OF TRUST OR OTHER

DEVICE DATE(S) OF

TRANSFER(S)

AMOUNT OF MONEY OR DESCRIPTION AND

VALUE OF PROPERTY OR DEBTOR'S INTEREST

IN PROPERTY

None



11. Closed financial accounts

List all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or

otherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or other

financial accounts, certificates of deposit, or other instruments; shares and share accounts held in banks, credit unions, pension funds,

cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 12 or chapter 13 must

include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed,

unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF INSTITUTION

TYPE OF ACCOUNT, LAST FOUR

DIGITS OF ACCOUNT NUMBER,

AND AMOUNT OF FINAL BALANCE

AMOUNT AND DATE OF SALE

OR CLOSING

None



12. Safe deposit boxes

List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year

immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or

depositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not

filed.)

NAME AND ADDRESS OF BANK

OR OTHER DEPOSITORY

NAMES AND ADDRESSES

OF THOSE WITH ACCESS

TO BOX OR DEPOSITORY

DESCRIPTION

OF CONTENTS

DATE OF TRANSFER OR

SURRENDER, IF ANY

None



13. Setoffs

List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the

commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both

spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR DATE OF SETOFF AMOUNT OF SETOFF

None



14. Property held for another person

List all property owned by another person that the debtor holds or controls.

NAME AND ADDRESS OF OWNER DESCRIPTION AND VALUE OF PROPERTY LOCATION OF PROPERTY

None



15. Prior address of debtor

If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor

occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate

address of either spouse.

ADDRESS NAME USED DATES OF OCCUPANCY

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16. Spouses and Former Spouses

If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho,

Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the

commencement of the case, identify the name of the debtor’s spouse and of any former spouse who resides or resided with the debtor in

the community property state.

NAME

17. Environmental Information.

For the purpose of this question, the following definitions apply:

"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous

or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to,

statutes or regulations regulating the cleanup of these substances, wastes, or material.

"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly

owned or operated by the debtor, including, but not limited to, disposal sites.

"Hazardous Material" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material,

pollutant, or contaminant or similar term under an Environmental Law

None



a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable

or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known,

the Environmental Law:

SITE NAME AND ADDRESS

NAME AND ADDRESS OF

GOVERNMENTAL UNIT

DATE OF

NOTICE

ENVIRONMENTAL

LAW

None



b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous

Material. Indicate the governmental unit to which the notice was sent and the date of the notice.

SITE NAME AND ADDRESS

NAME AND ADDRESS OF

GOVERNMENTAL UNIT

DATE OF

NOTICE

ENVIRONMENTAL

LAW

None



c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which

the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the

docket number.

NAME AND ADDRESS OF

GOVERNMENTAL UNIT DOCKET NUMBER STATUS OR DISPOSITION

None



18 . Nature, location and name of business

a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and

ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a

partnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six years

immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities

within six years immediately preceding the commencement of this case.

If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and

ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six

years immediately preceding the commencement of this case.

If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and

ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six

years immediately preceding the commencement of this case.

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NAME

LAST FOUR DIGITS OF

SOCIAL-SECURITY OR

OTHER INDIVIDUAL

TAXPAYER-I.D. NO.

(ITIN)/ COMPLETE EIN ADDRESS NATURE OF BUSINESS

BEGINNING AND

ENDING DATES

None



b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.

NAME ADDRESS

The following questions are to be completed by every debtor that is a corporation or partnership and by any individual debtor who is or has

been, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, or

owner of more than 5 percent of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership, a sole

proprietor or self-employed in a trade, profession, or other activity, either full- or part-time.

(An individual or joint debtor should complete this portion of the statement only if the debtor is or has been in business, as defined above,

within six years immediately preceding the commencement of this case. A debtor who has not been in business within those six years should go

directly to the signature page.)

None



19. Books, records and financial statements

a. List all bookkeepers and accountants who within two years immediately preceding the filing of this bankruptcy case kept or

supervised the keeping of books of account and records of the debtor.

NAME AND ADDRESS DATES SERVICES RENDERED

None



b. List all firms or individuals who within the two years immediately preceding the filing of this bankruptcy case have audited the books

of account and records, or prepared a financial statement of the debtor.

NAME ADDRESS DATES SERVICES RENDERED

None



c. List all firms or individuals who at the time of the commencement of this case were in possession of the books of account and records

of the debtor. If any of the books of account and records are not available, explain.

NAME ADDRESS

None



d. List all financial institutions, creditors and other parties, including mercantile and trade agencies, to whom a financial statement was

issued by the debtor within two years immediately preceding the commencement of this case.

NAME AND ADDRESS DATE ISSUED

None



20. Inventories

a. List the dates of the last two inventories taken of your property, the name of the person who supervised the taking of each inventory,

and the dollar amount and basis of each inventory.

DATE OF INVENTORY INVENTORY SUPERVISOR

DOLLAR AMOUNT OF INVENTORY

(Specify cost, market or other basis)

None



b. List the name and address of the person having possession of the records of each of the two inventories reported in a., above.

DATE OF INVENTORY

NAME AND ADDRESSES OF CUSTODIAN OF INVENTORY

RECORDS

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7

None



21 . Current Partners, Officers, Directors and Shareholders

a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.

NAME AND ADDRESS NATURE OF INTEREST PERCENTAGE OF INTEREST

None



b. If the debtor is a corporation, list all officers and directors of the corporation, and each stockholder who directly or indirectly owns,

controls, or holds 5 percent or more of the voting or equity securities of the corporation.

NAME AND ADDRESS TITLE

NATURE AND PERCENTAGE

OF STOCK OWNERSHIP

None



22 . Former partners, officers, directors and shareholders

a. If the debtor is a partnership, list each member who withdrew from the partnership within one year immediately preceding the

commencement of this case.

NAME ADDRESS DATE OF WITHDRAWAL

None



b. If the debtor is a corporation, list all officers, or directors whose relationship with the corporation terminated within one year

immediately preceding the commencement of this case.

NAME AND ADDRESS TITLE DATE OF TERMINATION

None



23 . Withdrawals from a partnership or distributions by a corporation

If the debtor is a partnership or corporation, list all withdrawals or distributions credited or given to an insider, including compensation

in any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding the

commencement of this case.

NAME & ADDRESS

OF RECIPIENT,

RELATIONSHIP TO DEBTOR

DATE AND PURPOSE

OF WITHDRAWAL

AMOUNT OF MONEY

OR DESCRIPTION AND

VALUE OF PROPERTY

None



24. Tax Consolidation Group.

If the debtor is a corporation, list the name and federal taxpayer identification number of the parent corporation of any consolidated

group for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencement

of the case.

NAME OF PARENT CORPORATION TAXPAYER IDENTIFICATION NUMBER (EIN)

None



25. Pension Funds.

If the debtor is not an individual, list the name and federal taxpayer identification number of any pension fund to which the debtor, as an

employer, has been responsible for contributing at any time within six years immediately preceding the commencement of the case.

NAME OF PENSION FUND TAXPAYER IDENTIFICATION NUMBER (EIN)

DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR

I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto

and that they are true and correct.

Date January 4, 2010 Signature /s/ Heather Royhl

Heather Royhl

Debtor

Penalty for making a false statement: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571

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United States Bankruptcy Court

Northern District of Illinois

In re Heather Royhl Case No.

Debtor(s) Chapter 13

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR(S)

1. Pursuant to 11 U.S.C. § 329(a) and Bankruptcy Rule 2016(b), I certify that I am the attorney for the above-named debtor and that

compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for services rendered or to

be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows:

For legal services, I have agreed to accept $ 3,500.00

Prior to the filing of this statement I have received $ 2,200.00

Balance Due $ 1,300.00

2. $ 299.00 of the filing fee has been paid.

3. The source of the compensation paid to me was:

 Debtor  Other (specify):

4. The source of compensation to be paid to me is:

 Debtor  Other (specify):

5.  I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm.

 I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A

copy of the agreement, together with a list of the names of the people sharing in the compensation is attached.

6. In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:

a. Analysis of the debtor's financial situation, and rendering advice to the debtor in determining whether to file a petition in bankruptcy;

b. Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;

c. Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;

d. [Other provisions as needed]

7. By agreement with the debtor(s), the above-disclosed fee does not include the following service:

Representation of the debtors in any adversary proceeding.

CERTIFICATION

I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in

this bankruptcy proceeding.

Dated: January 4, 2010 /s/ John J Lynch

John J Lynch 6270193

Law Offices of John J Lynch, P.C.

801 Warrenville Road, Ste. 560

Lisle, IL 60532

630-960-4700 Fax: 630-960-4755

JJLynch@JJLynchLaw.Com

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UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

RIGHTS AND RESPONSIBILITIES AGREEMENT BETWEEN

CHAPTER 13 DEBTORS AND THEIR ATTORNEYS

(Model Retention Agreement, revised as of May 7, 2009)

Chapter 13 gives debtors important rights, such as the right to keep property that could

otherwise be lost through repossession or foreclosure—but Chapter 13 also puts burdens on

debtors, such as the burden of making complete and truthful disclosures of their financial

situation. It is important for debtors who file a Chapter 13 bankruptcy case to understand their

rights and responsibilities in bankruptcy. In this connection, the advice of an attorney is often

crucial. Debtors are entitled to certain services from by their attorneys, but debtors also have

responsibilities to their attorneys. In order to assure that debtors and their attorneys

understand their rights and responsibilities in the Chapter 13 process, the judges of the

Bankruptcy Court for the Northern District of Illinois have approved the following agreement,

setting out the rights and responsibilities of both debtors in Chapter 13 and their attorneys. By

signing this agreement, debtors and their attorneys accept these responsibilities.

BEFORE THE CASE IS FILED

THE DEBTOR AGREES TO:

1. Discuss with the attorney the debtor's objectives in filing the case.

2. Provide the attorney with full, accurate and timely information, financial and otherwise,

including properly documented proof of income.

THE ATTORNEY AGREES TO:

1. Personally counsel the debtor regarding the advisability of filing either a Chapter 13 or a

Chapter 7 case, discuss both procedures (as well as non-bankruptcy options) with the debtor,

and answer the debtor’s questions.

2. Personally explain to the debtor that the attorney is being engaged to represent the debtor

on all matters arising in the case, as required by Local Bankruptcy rule and explain how and

when the attorney’s fees and the trustee’s fees are determined and paid.

3. Personally review with the debtor and sign the completed petition, plan, statements, and

schedules, as well as all amendments thereto, whether filed with the petition or later. (The

schedules may be initially prepared with the help of clerical or paralegal staff of the attorney’s

office, but personal attention of the attorney is required for the review and signing.)

4. Timely prepare and file the debtor’s petition, plan, statements, and schedules.

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5. Explain to the debtor how, when, and where to make all necessary payments, including

both payments that must be made directly to creditors and payments that must be made to the

Chapter 13 trustee, with particular attention to housing and vehicle payments.

6. Advise the debtor of the need to maintain appropriate insurance.

AFTER THE CASE IS FILED

THE DEBTOR AGREES TO:

1. Make the required payments to the trustee and to whatever creditors are being paid directly,

or, if required payments cannot be made, to notify the attorney immediately.

2. Appear punctually at the meeting of creditors (also called the "341 meeting") with recent

proof of income and a picture identification card. (If the identification card does not include

the debtor's social security number, the debtor will also bring to the meeting a social security

card.) The debtor must be present in time for check-in and when the case is called for the

actual examination.

3. Notify the attorney of any change in the debtor's address or telephone number.

4. Inform the attorney of any wage garnishments or liens or levies on assets that occur or

continue after the filing of the case.

5. Contact the attorney immediately if the debtor loses employment, has a significant change

in income, or experiences any other significant change in financial situation (such as serious

illness, marriage, divorce or separation, lottery winnings, or an inheritance).

6. Notify the attorney if the debtor is sued or wishes to file a lawsuit (including divorce).

7. Inform the attorney if any tax refunds to which the debtor is entitled are seized or not

received when due from the IRS or Illinois Department of Revenue.

8. Contact the attorney before buying, refinancing, or selling real property, and before

entering into any loan agreement.

9. Supply the attorney with copies of all tax returns filed while the case is pending.

THE ATTORNEY AGREES TO:

1. Advise the debtor of the requirement to attend the meeting of creditors, and notify the

debtor of the date, time, and place of the meeting.

2. Inform the debtor that the debtor must be punctual and, in the case of a joint filing, that

both spouses must appear at the same meeting.

3. Provide knowledgeable legal representation for the debtor at the meeting of creditors (in

time for check-in and the actual examination) and, unless excused by the trustee, for the

confirmation hearing.

2

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4. If the attorney will be employing another attorney to attend the 341meeting or any court

hearing, personally explain to the debtor in advance, the role and identity of the other attorney

and provide the other attorney with the file in sufficient time to review it and properly

represent the debtor.

5. Timely submit to the Chapter 13 trustee properly documented proof of income for the

debtor, including business reports for self-employed debtors.

6. Timely respond to objections to plan confirmation and, where necessary, prepare, file, and

serve an amended plan.

7. Timely prepare, file, and serve any necessary statements, amended statements and

schedules and any change of address, in accordance with information provided by the debtor.

8. Monitor all incoming case information (including, but not limited to, Order Confirming

Plan, Notice of Intent to Pay Claims, and 6-month status reports) for accuracy and

completeness. Contact the trustee promptly regarding any discrepancies.

9. Be available to respond to the debtor’s questions throughout the term of the plan.

10. Prepare, file, and serve timely modifications to the plan after confirmation, when

necessary,including modifications to suspend, lower, or increase plan payments.

11. Prepare, file, and serve necessary motions to buy or sell property and to incur debt.

12. Object to improper or invalid claims.

13. Timely respond to the Chapter 13 trustee’s motions to dismiss the case, such as for

payment default, or unfeasibility, and to motions to increase the percentage payment to

unsecured creditors.

14. Timely respond to motions for relief from stay.

15. Prepare, file, and serve all appropriate motions to avoid liens.

16. Provide any other legal services necessary for the administration of the case.

17. In the event that the case is converted to Chapter 7, provide any other legal services which

may be necessary consistent with the attorney’s responsibilities under Local Bankruptcy Rule

2090-5, with such additional fees as may be appropriate.

ALLOWANCE AND PAYMENT OF ATTORNEYS' FEES

1. Any attorney retained to represent a debtor in a Chapter 13 case is responsible for representing

the debtor on all matters arising in the case unless otherwise ordered by the court. For all of the

services outlined above, the attorney will be paid a fee of

3

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$ 3,500.00 .

In extraordinary circumstances, such as extended evidentiary hearings or appeals, the attorney

may apply to the court for additional compensation for these services. Any such application must

be accompanied by an itemization of the services rendered, showing the date, the time expended,

and the identity of the attorney performing the services. The debtor must be served with a copy of

the application and notified of the right to appear in court to object.

2. Early termination of the case. Fees payable under the provisions set out above are not

refundable in the event that the case is dismissed, unless the dismissal is due to a failure by the

attorney to comply with the duties set out in this agreement. If a dismissal is due to such a failure

by the attorney, the court may order a refund of fees on motion by the debtor.

3. Retainers. The attorney may receive a retainer or other payment before filing the case, but may

not receive fees directly from the debtor after the filing of the case. Unless the following

provision is checked and completed, any retainer by the attorney will be treated as a security

retainer, to be placed in the attorney's client trust account until approval of a fee application by

the court.

 Any retainer received by the attorney will be treated as an advance payment, allowing the

attorney to take the retainer into income immediately. The reason for this treatment is the

following:

In any application for fees, whether or not requiring an itemization, the attorney shall disclose to

the court any fees paid by the debtor prior to the case filing.

4. Improper conduct by the attorney. If the debtor disputes the sufficiency or quality of the legal

services provided or the amount of the fees charged by the attorney, the debtor may file an

objection with the court and request a hearing.

5. Improper conduct by the debtor. If the attorney believes that the debtor is not complying with

the debtor’s responsibilities under this agreement or is otherwise not engaging in proper conduct,

the attorney may apply for a court order allowing the attorney to withdraw from the case.

6. Discharge of the attorney. The debtor may discharge the attorney at any time.

Date: January 4, 2010

Signed:

/s/ Heather Royhl /s/ John J Lynch

Heather Royhl John J Lynch 6270193

Attorney for Debtor(s)

Debtor(s)

Do not sign if the fee amount at top of this page is blank.

4

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B 201A (Form 201A) (12/09)

WARNING: Effective December 1, 2009, the 15-day deadline to file schedules and certain other documents under Bankruptcy

Rule 1007(c) is shortened to 14 days. For further information, see note at bottom of page 2

UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

NOTICE TO CONSUMER DEBTOR(S) UNDER § 342(b)

OF THE BANKRUPTCY CODE

In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes

briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of

bankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney General

may examine all information you supply in connection with a bankruptcy case.

You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an

attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice.

Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that

you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in

your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists

the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed

from the bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse

receive a separate copy of all notices.

1. Services Available from Credit Counseling Agencies

With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy

relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and

provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The

briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be

provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The

clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a

joint case must complete the briefing.

In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial management

instructional course before he or she can receive a discharge. The clerk also has a list of approved financial management

instructional courses. Each debtor in a joint case must complete the course.

2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors

Chapter 7: Liquidation ($245 filing fee, $39 administrative fee, $15 trustee surcharge: Total Fee $299)

Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose

debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to

proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases,

the United States trustee (or bankruptcy administrator), the trustee, or creditors have the right to file a motion requesting that the court

dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed.

Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take

possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.

The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have

committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the

purpose for which you filed the bankruptcy petition will be defeated.

Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be

responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement

obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your

bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated

from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and

malicious injury, the bankruptcy court may determine that the debt is not discharged.

Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee,

$39 administrative fee: Total fee $274)

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Form B 201A, Notice to Consumer Debtor(s) Page 2

Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over

a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy

Code.

Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using

your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your

income and other factors. The court must approve your plan before it can take effect.

After completing the payments under your plan, your debts are generally discharged except for domestic support obligations;

most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your

bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations.

Chapter 11: Reorganization ($1000 filing fee, $39 administrative fee: Total fee $1039)

Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quite

complicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney.

Chapter 12: Family Farmer or Fisherman ($200 filing fee, $39 administrative fee: Total fee $239)

Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earnings

and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose income arises primarily from a

family-owned farm or commercial fishing operation.

3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials

A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, either

orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information supplied by a

debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the United

States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice.

WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors,

assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not

filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court. The

documents and the deadlines for filing them are listed on Form B200, which is posted at

http://www.uscourts.gov/bkforms/bankruptcy_forms.html#procedure.

Many filing deadlines change on December 1, 2009. Of special note, 12 rules that set 15 days to act are amended to require

action within 14 days, including Rule 1007(c), filing the initial case papers; Rule 3015(b), filing a chapter 13 plan; Rule

8009(a), filing appellate briefs; and Rules 1019, 1020, 2015, 2015.1, 2016, 4001, 4002, 6004, and 6007.

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B 201B (Form 201B) (12/09)

United States Bankruptcy Court

Northern District of Illinois

In re Heather Royhl Case No.

Debtor(s) Chapter 13

CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)

UNDER § 342(b) OF THE BANKRUPTCY CODE

Certification of [Non-Attorney] Bankruptcy Petition Preparer

I, the [non-attorney] bankruptcy petition preparer signing the debtor's petition, hereby certify that I delivered to the debtor this

attached notice, as required by § 342(b) of the Bankruptcy Code.

Printed name and title, if any, of Bankruptcy Petition

Preparer

Address:

Social Security number (If the bankruptcy

petition preparer is not an individual, state

the Social Security number of the officer,

principal, responsible person, or partner of

the bankruptcy petition preparer.) (Required

by 11 U.S.C. § 110.)

X

Signature of Bankruptcy Petition Preparer or officer,

principal, responsible person, or partner whose

Social Security number is provided above.

Certification of Debtor

I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy

Code.

Heather Royhl X /s/ Heather Royhl January 4, 2010

Printed Name(s) of Debtor(s) Signature of Debtor Date

Case No. (if known) X

Signature of Joint Debtor (if any) Date

Instructions: Attach a copy of Form B 201 A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code.

Use this form to certify that the debtor has received the notice required by 11 U.S.C. § 342(b) only if the certification has NOT been made on the

Voluntary Petition, Official Form B1. Exhibit B on page 2 of Form B1 contains a certification by the debtor's attorney that the attorney has given the

notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on page 3 of Form B1 also include this certification.

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United States Bankruptcy Court

Northern District of Illinois

In re Heather Royhl Case No.

Debtor(s) Chapter 13

VERIFICATION OF CREDITOR MATRIX

Number of Creditors: 19

The above-named Debtor(s) hereby verifies that the list of creditors is true and correct to the best of my

(our) knowledge.

Date: January 4, 2010 /s/ Heather Royhl

Heather Royhl

Signature of Debtor

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}bk1{Credito AresMatix}bk{

Arrow Financial Servic

5996 W Touhy Ave

Niles, IL 60714

Asset Acceptance Llc

Po Box 2036

Warren, MI 48090

Cap One

Po Box 85520

Richmond, VA 23285

Ccs/First National Ban

500 E 60th St N

Sioux Falls, SD 57104

Department of Revenue

City Hall: Room 107A

121 N. LaSalle St.

Chicago, IL 60602

First Premier Bank

601 S Minnesota Ave

Sioux Falls, SD 57104

Hsbc Bank

Po Box 5253

Carol Stream, IL 60197

Illinois Department of Revenue

PO Box 19043

Springfield, IL 62794

Internal Revenue Service (IRS)

PO Box 21162

Philadelphia, PA 19114

Lvnv Funding Llc

Po Box 740281

Houston, TX 77274

Nissan Motor Acceptanc

Po Box 660360

Dallas, TX 75266

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Nordstrom Fsb

Po Box 6555

Englewood, CO 80155

Pinnacle Credit Servic

7900 Highway 7 # 100

Saint Louis Park, MN 55426

Pltnum

1245 S Main St #100

Grapevine, TX 76051

Portfolio Recvry&Affil

120 Corporate Blvd Ste 1

Norfolk, VA 23502

Tribute

Po Box 105555

Atlanta, GA 30348

Wffnatbank

Po Box 94498

Las Vegas, NV 89193

Wfnnb

P.O. Box 182122 Tape Reporting Number

Columbus, OH 43218

Zenith Acquisition

220 John Glenn Dr # 1

Amherst, NY 14228

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