}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

Lowe, Tiffany D

xxx-xx-5972

1106 Heron Circle

Joliet, IL

Will

60431

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 1 of 58
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)

Lowe, Tiffany D

- None -

- None -

/s/ Thomas W. Toolis January 14, 2010

Thomas W. Toolis 6270743

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 2 of 58
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.

Lowe, Tiffany D

/s/ Tiffany D Lowe

Tiffany D Lowe

January 14, 2010

/s/ Thomas W. Toolis

Thomas W. Toolis 6270743

Jahnke & Toolis, LLC

9031 West 151st Street

Suite 203

Orland Park, IL 60462

Email: twt@jtlawllc.com

708-349-9333 Fax: 708-349-8333

January 14, 2010

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 3 of 58
B 1D (Official Form 1, Exhibit D) (12/09)

United States Bankruptcy Court

Northern District of Illinois

In re Tiffany D Lowe Case No.

Debtor(s) Chapter 7

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.

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

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 4 of 58
B 1D (Official Form 1, Exhibit D) (12/09) - Cont. Page 2

 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.]

 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/ Tiffany D Lowe

Tiffany D Lowe

Date: January 14, 2010

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

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 5 of 58
}bk1{Form 6.Suary ofScheduls}bk{

United States Bankruptcy Court

Northern District of Illinois

In re

,

Debtor

Case No.

Chapter 7

Tiffany D Lowe

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

1 140,000.00

3 48,150.00

1

1 191,778.00

1 0.00

15 76,121.64

1

1

2 2,158.17

2 4,333.48

28

188,150.00

267,899.64

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 6 of 58
}bk1{Form 6.Staiscl Sumaryof CetainLbles andRlte Da}bk{

United States Bankruptcy Court

Northern District of Illinois

In re

,

Debtor

Case No.

Chapter 7

Tiffany D Lowe

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

0.00

0.00

0.00

0.00

0.00

0.00

2,158.17

4,333.48

3,867.50

32,778.00

0.00

0.00

76,121.64

108,899.64

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 7 of 58
}bk1{Schedul A-ReaPropty}bk{

In re

,

Debtor

Tiffany D Lowe 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

528 Silverleaf Drive, Joliet, IL 60431 - 140,000.00 165,918.00

Sub-Total > 140,000.00 (Total of this page)

Total >

(Report also on Summary of Schedules)

140,000.00

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 8 of 58
}bk1{Schedul B-Personal Prpety}bk{

In re

,

Debtor

Tiffany D Lowe 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 X

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 Account at 1st Merchant Bank - 800.00

3. Security deposits with public

utilities, telephone companies,

landlords, and others.

X

4. Household goods and furnishings,

including audio, video, and

computer equipment.

Miscellanous Household Items - 1,500.00

5. Books, pictures and other art

objects, antiques, stamp, coin,

record, tape, compact disc, and

other collections or collectibles.

X

6. Wearing apparel. Miscellanous Apparel - 350.00

7. Furs and jewelry. Wedding Band/ Ring - 2,000.00

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)

4,650.00

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 9 of 58
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

Tiffany D Lowe 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 at First Midwest - 20,000.00

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.

2009 Anticiapted Tax Refund $4500 - 4,500.00

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)

24,500.00

1 2

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 10 of 58
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

Tiffany D Lowe 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.

2007 Ford Explorer - 19,000.00

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)

19,000.00

2 2

Total >

(Report also on Summary of Schedules)

48,150.00

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 11 of 58
}bk1{Schedul C-Propety Claimed sExpt}bk{

In re

,

Debtor

Tiffany D Lowe 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

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

Checking Account at 1st Merchant Bank 735 ILCS 5/12-1001(b) 800.00 800.00

Household Goods and Furnishings

Miscellanous Household Items 735 ILCS 5/12-1001(b) 1,500.00 1,500.00

Wearing Apparel

Miscellanous Apparel 735 ILCS 5/12-1001(a) 350.00 350.00

Furs and Jewelry

Wedding Band/ Ring 735 ILCS 5/12-1001(b) 1,700.00 2,000.00

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

401K at First Midwest 735 ILCS 5/12-704 20,000.00 20,000.00

Total: 24,350.00 24,650.00

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 12 of 58
}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

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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

Tiffany D Lowe Case No.

0

0771264943-8 Second Mortgage

CitiMortgage 528 Silverleaf Drive, Joliet, IL 60431

P.O. Box 183040

Columbus, OH 43218

-

140,000.00 28,768.21 25,918.00

154164508 Mortgage

Countrywide Home Loan 528 Silverleaf Drive, Joliet, IL 60431

PO Box 650070

Dallas, TX 75265-0070

-

140,000.00 137,149.79 0.00

86521 Opened 3/01/07 Last Active 9/22/09

Fifth Third Bank 2007 Ford Explorer

C/O Bankruptcy Dept, Mdropso5

1850 East Paris

Grand Rapids, MI 49546 -

19,000.00 25,860.00 6,860.00

191,778.00 32,778.00

Total 191,778.00 32,778.00

(Report on Summary of Schedules)

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 13 of 58
}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

Tiffany D Lowe Case No.

0

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 14 of 58
}bk1{Schedul F-Creditos HldingUsecurd Nonpirty Claims}bk{

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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.

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:29752-091210

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

Tiffany D Lowe Case No.

14

42664402 Opened 6/01/08

From Credit Report Collection Agency Listed

Arrow Financial Services for Noticing Purposes Only

5996 W Touhy Ave

Niles, IL 60714

-

0.00

39618341 Opened 6/01/09

From Credit Report Listed For Noticing

Asset Acceptance Purposes Only

Po Box 2036

Warren, MI 48090

-

0.00

39962783 Opened 8/01/09

From Credit Report Listed For Noticing

Asset Acceptance Purposes Only

Po Box 2036

Warren, MI 48090

-

0.00

39618341 Collecting on Behalf of World Financial

Network

ASSET ACCEPTANCE CORP

PO BOX 2036

Warren, MI 48090

-

0.00

0.00

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 15 of 58
B6F (Official Form 6F) (12/07) - Cont.

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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

Tiffany D Lowe Case No.

Services Rendered

AT & T

PO BOx 9001310

Louisville, KY 40290-1310

-

835.00

3047 Opened 7/01/02 Last Active 5/04/04

CreditCard

Bank Of America

De5-019-03-07

Newark, DE 19714

-

0.00

7670012617 Opened 1/01/03 Last Active 7/27/04

Charge Account-From Credit Report Listed

Bay Furnitur For Noticing Purposes Only

-

0.00

412174157542 Opened 7/01/99 Last Active 3/01/01

Credit Card-From Credit Report Listed For

Capital 1 Bank Noticing Purposes Only

Attn: C/O TSYS Debt Management

Po Box 5155

Norcross, GA 30091

-

0.00

543668101036 Opened 1/14/08 Last Active 5/15/08

Credit Card- From Credit Report Listed For

Ccs/cortrust Bank Noticing Purposes Only

500 E 60th St N

Sioux Falls, SD 57104

-

485.00

1,320.00

1 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 16 of 58
B6F (Official Form 6F) (12/07) - Cont.

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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

Tiffany D Lowe Case No.

5183371940 Opened 2/01/02 Last Active 8/01/04

Credit Card- From Credit Report Listed For

Chase Na Noticing Purposes Only

Attn: Bankruptcy Dept

Po Box 100018

Kennesaw, GA 30156

-

0.00

Notice Only

Chex Systems, Inc.

7805 Hudson Road, Suite 100

Woodbury, MN 55125

-

0.00

542418065297 Opened 4/01/06 Last Active 11/18/09

Credit Card- From Credit Report

Citi

Po Box 6241

Sioux Falls, SD 57117

-

5,469.00

542418013689 Opened 4/23/03 Last Active 4/01/04

Credit Card-From Credit Report Listed For

Citi Noticing Purposes Only

Po Box 6241

Sioux Falls, SD 57117

-

0.00

603259029132 Opened 4/01/03 Last Active 5/16/03

Charge Account-From Credit Report Listed

Citifinancial Retail Services For Noticing Purposes Only

Po Box 140489

Irving, TX 75014

-

0.00

5,469.00

2 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 17 of 58
B6F (Official Form 6F) (12/07) - Cont.

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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

Tiffany D Lowe Case No.

771264943 Opened 10/24/06 Last Active 11/06/08

From Credit Report Listed For Noticing

Citimortgage Inc Purposes Only

Po Box 9438

Gaithersburg, MD 20898

-

0.00

426651421820 Opened 2/01/04 Last Active 5/06/04

Credit Card-From Credit Report Listed For

Collection Noticing Purposes Only

Attn: Bankrutpcy Department

Po Box 10587

Greenville, SC 29603

-

0.00

580701 Opened 1/01/09

CollectionAttorney Dr Kanchana

Esariya-Umpai Md-From Credit Report Listed

For Noticing Purposes Only

Collection Prof/lasal

723 1st St

La Salle, IL 61301

-

216.00

154164508 Opened 10/01/06 Last Active 8/13/09

ConventionalRealEstateMortgage-- From

Credit Report Listed For Noticing Purposes

Only

Countrywide Home Lending

Attention: Bankruptcy SV-314B

Po Box 5170

Simi Valley, CA 93062

-

0.00

1510490406 From Credit Report Listed For Noticing

Purposes Only

Crd Prt Asso

13355 Noel Rd Ste 2100

Dallas, TX 75240

-

1,030.00

1,246.00

3 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 18 of 58
B6F (Official Form 6F) (12/07) - Cont.

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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

Tiffany D Lowe Case No.

79450129055613858 Opened 5/01/07 Last Active 1/31/08

Charge Account-From Credit Report Listed

Dell Financial Services For Noticing Purposes Only

Attn: Bankruptcy Dept.

12234 North Ih 35

Austin, TX 78753

-

2,650.00

LOWIT1000 Medical Services Rendered

Dermatology Associates Ltd.

18425 West Creek Drive

Suite F

Tinley Park, IL 60477

-

39.40

601130025016 Opened 1/01/01 Last Active 3/22/07

Credit Card-From Credit Report Listed For

Discover Fin Svcs Llc Noticing Purposes Only

Po Box 15316

Wilmington, DE 19850

-

15,955.00

601100727022 Opened 9/01/00 Last Active 9/01/01

Credit Card-From Credit Report Listed For

Discover Fin Svcs Llc Noticing Purposes Only

Po Box 15316

Wilmington, DE 19850

-

0.00

Notice Only

Equifax Information Services, LLC

P.O. Box 740256

Atlanta, GA 30374-0256

-

0.00

18,644.40

4 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 19 of 58
B6F (Official Form 6F) (12/07) - Cont.

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Husband, Wife, Joint, or Community

H

W

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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

Tiffany D Lowe Case No.

52007861 Opened 1/01/09

Collection Attorney Sprint-From Credit Report

Er Solutions Listed For Noticing Purposes Only

Po Box 9004

Renton, WA 98057

-

1,027.00

Notice Only

Experian

P.O. Box 9701

Allen, TX 75013-9701

-

0.00

316076393400001 Opened 5/01/04 Last Active 2/27/07

Automobile-From Credit Report Listed For

First Midwest Bank/na Noticing Purposes Only

214 Washington St

Waukegan, IL 60085

-

0.00

5178006075119851 Opened 9/30/09 Last Active 11/01/09

Credit Card-From Credit Report Listed For

First Premier Bank Noticing Purposes Only

900 Delaware Suite 7

Sioux Falls, SD 57104

-

0.00

8055432 Opened 8/01/07

Collection Attorney At T Mobility Frmly

Cingular-From Credit Report Listed For

Noticing Purposes Only

First Revenue Assuranc

4500 Cherry Creek Dr Ste

Denver, CO 80246

-

731.00

1,758.00

5 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 20 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

441712115315 Opened 12/01/00 Last Active 10/01/02

Credit Card-From Credit Report Listed For

First Usa Bank N A Noticing Purposes Only

1001 Jefferson Plaza

Wilmington, DE 19701

-

0.00

042832127 Deficency Balance after Repossession

Ford Motor Credit Corporation

Ford Credit National Bk Center

Po Box 537901

Livonia, MI 48153

-

17,654.00

42832127 Opened 7/01/07 Last Active 11/11/08

Automobile--Duplicate-From Credit Report

Ford Motor Credit Corporation Listed For Noticing Purposes Only

National Bankruptcy Center

Po Box 537901

Livonia, MI 48153

-

0.00

5433628889324459 Opened 1/07/09 Last Active 3/03/09

Credit Card--From Credit Report Listed For

Fst Premier Noticing Purposes Only

Pob 5524

Sioux Falls, SD 57117

-

0.00

154030922822 Opened 8/01/01 Last Active 3/01/04

Automobile-From Credit Report Listed For

G M A C Noticing Purposes Only

2740 Arthur St

Roseville, MN 55113

-

0.00

17,654.00

6 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 21 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

6034623116467651 Credit Card

GE Money Bank

Po Box 960061

Orlando, FL 32896

-

13,459.00

601859603540 Opened 10/06/03 Last Active 2/23/07

Charge Account-From Credit Report Listed

GEMB / Old Navy For Noticing Purposes Only

Attention: Bankruptcy

Po Box 103106

Roswell, GA 30076

-

0.00

603462300630 Opened 4/03/07 Last Active 6/06/07

Charge Account-From Credit Report Listed

Gemb/american Honda For Noticing Purposes Only

Po Box 981439

El Paso, TX 79998

-

0.00

603462311646 Opened 4/06/07 Last Active 6/09/08

Charge Account-From Credit Report Listed

Gemb/funancing For Noticing Purposes Only

Po Box 981439

El Paso, TX 79998

-

0.00

248111 Opened 8/01/01 Last Active 12/01/09

Charge-Account--From Credit Report Listed

Gemb/jcp For Noticing Purposes Only

Attention: Bankruptcy

Po Box 103106

Roswell, GA 30076

-

0.00

13,459.00

7 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 22 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

504662022654 Opened 3/01/07 Last Active 6/12/07

Charge Account-From Credit Report Listed

Gemb/whitehall For Noticing Purposes Only

Po Box 981439

El Paso, TX 79998

-

1,395.00

11190803 Opened 2/01/09

Collection Agency -From Credit Report Listed

Genesis Financial Solu For Noticing Purposes Only

Po Box 4865

Beaverton, OR 97076

-

0.00

359083168 Opened 8/01/04 Last Active 9/01/06

Conventional Real Estate Mortgage-From

Credit Report Listed For Noticing Purposes

Only

GMAC

Attention: Bankruptcy Dept.

1100 Virginia Drive

Fort Washington, PA 19034

-

0.00

4800201546413 Opened 8/01/04 Last Active 1/10/05

Credit Line Secured-From Credit Report

Green Point Savings Listed For Noticing Purposes Only

Po Box 84013

Columbus, GA 31908

-

0.00

60315082 Opened 1/26/06 Last Active 6/01/06

Credit Line Secured-From Credit Report

Guaranty Savings Bk Listed For Noticing Purposes Only

4000 W Brown Deer Rd

Brown Deer, WI 53209

-

0.00

1,395.00

8 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 23 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

439233834 Opened 3/24/05 Last Active 8/03/05

Real Estate Specific Type Unknown-From

Credit Report Listed For Noticing Purposes

Only

Home Comings Financial

Attention: Bankruptcy Dept

1100 Virginia Drive

Fort Washington, PA 19034

-

0.00

549107000658 Opened 11/01/03 Last Active 4/01/04

Credit Card-From Credit Report Listed For

Hsbc Bank Noticing Purposes Only

Attn: Bankruptcy

Po Box 5253

Carol Stream, IL 60197

-

0.00

1276616761 Opened 12/06/06 Last Active 2/05/07

Charge Account-From Credit Report Listed

Hsbc/carsn For Noticing Purposes Only

Po Box 15524

Wilmington, DE 19850

-

0.00

541601108804882 Opened 4/04/03 Last Active 1/09/05

Charge Account-From Credit Report Listed

Hsbc/mitsu For Noticing Purposes Only

90 Christiana Rd

New Castle, DE 19720

-

0.00

037736183752 Opened 11/01/03 Last Active 4/28/07

Credit Card-From Credit Report Listed For

Kohls/chase Noticing Purposes Only

N56 W 17000 Ridgewood Dr

Menomonee Falls, WI 53051

-

1,824.00

1,824.00

9 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 24 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

5082302100001 Opened 1/26/06 Last Active 10/31/06

Credit Line Secured From Credit Report

Marshall & Ilsley Bank Listed For Noticing Purposes Only

Attn: Bankruptcy

770 N Water St

Milwaukee, WI 53202

-

0.00

24004003 Opened 6/01/08

Collecting on behalf of ATT-From Credit

NCO Financial Systems Report Listed For Noticing Purposes Only

507 Prudential Rd

Horsham, PA 19044

-

0.00

Collecting on Behalf of Silver Leaf

Townhomes Customers.

Nemanich Consulting & Management

2756 Caton Farm Road

Joliet, IL 60435

-

160.00

748166 Opened 8/24/04 Last Active 9/02/09

Agriculture From Credit Report Listed For

Nicor Gas Noticing Purposes Only

Attention: Bankruptcy Department

1844 Ferry Road

Naperville, IL 60507

-

516.00

102413238330001 Opened 1/01/04 Last Active 4/26/07

Automobile- From Credit Report Listed For

Nissan Motor Acceptanc Noticing Purposes Only

Pob 660366

Dallas, TX 75266

-

0.00

676.00

10 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 25 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

41466418 Opened 3/24/05 Last Active 5/31/05

Conventional Real Estate Mortgage- From

Credit Report Listed for Noticing Purposes

Only

Ocwen Loan Servicing L

1661 Worthington Rd Suite 100

West Palm Beach, FL 33409

-

0.00

4152027292 Opened 2/10/07 Last Active 3/24/07

Charge Account- From Credit Report Listed

Prefcustjewl For Noticing Purposes Only

Po Box 94498

Las Vegas, NV 89193

-

0.00

DC0026944496 Medical Bill

Provena Service Corporation

75 Remittance Drive, Suite 1473

Chicago, IL 60675-1473

-

123.24

314086747310 Opened 11/30/03 Last Active 1/15/04

Charge Account- From Credit Report Listed

Rnb-fields3 for Noticing Purposes Only

Po Box 9475

Minneapolis, MN 55440

-

0.00

1665056 Collecting on Behalf of Wells Fargo Financial

Retail Services

Tiburon Financial LLC

PO Box 10050

Fayetteville, AR 72703

-

0.00

123.24

11 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 26 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

Notice Only

TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA 19022-2002

-

0.00

68537912200001 Opened 12/01/07 Last Active 1/21/09

From Credit Report Listed For Noticing

Verizon Purposes Only

Po Box 3397

Bloomington, IL 61702

-

835.00

87007317870073178 Opened 4/15/00 Last Active 12/27/07

Charge Account- From Credit Report Listed

Victoria's Secret for Noticing Purposes Only

Po Box 182273

Columbus, OH 43218

-

349.00

407110001291 Opened 3/05/07 Last Active 12/10/07

Credit Card- Duplicate From Credit Report

Wells Fargo Listed for Noticing Purposes Only

Wells Fargo Financial

4137 121st St

Urbandale, IA 50323

-

0.00

1665056 Credit Card

Wells Fargo Financial

MAC F4030-070 / Collections

800 Walnut Street

Des Moines, IA 50309-3605

-

7,998.00

9,182.00

12 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 27 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

6123440199 Opened 1/01/99 Last Active 8/01/01

Installment Loan- From Credit Report Listed

West Suburban Bank For Noticing Purposes Only

701-711 S Westmore Ave

Lombard, IL 60148

-

0.00

102060586263608 Opened 2/01/05 Last Active 3/23/07

Charge Account- From Credit Report Listed

Wffinancial For Noticing Purposes Only

800 Walnut St

Des Moines, IA 50309

-

0.00

5941033862 Opened 11/10/01 Last Active 2/13/03

Charge Account- From Credit Report Listed

Wffnatbank For Noticing Purposes Only

Bankruptcy

4137 121st St

Urbandale, IA 50323

-

0.00

36712430497051136 Opened 10/01/99 Last Active 1/02/08

Charge Account- From Credit Report Listed

Wfnnb/express for Noticing Purposes Only

Po Box 182273

Columbus, OH 43218

-

0.00

5856371000225374 Opened 11/01/02 Last Active 11/06/02

Charge Account- From Credit Report Listed

Wfnnb/j Crew for Noticing Purposes Only

Po Box 182273

Columbus, OH 43218

-

0.00

0.00

13 14

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 28 of 58
B6F (Official Form 6F) (12/07) - Cont.

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

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

Tiffany D Lowe Case No.

955571922 Opened 5/01/03 Last Active 2/09/06

Charge Account- From Credit Report Listed

Wfnnb/new York & Compa for Noticing Purposes Only

220 W Schrock Rd

Westerville, OH 43081

-

0.00

Acct Ending in 7868 Store Charge Account

Willy World

101 N. Reed Street

Joliet, IL 60435

-

2,859.00

39618341 Credit Card Account

World Financial Network Ntnl Bank

P.O. Box 659704

San Antonio, TX 78265-9704

-

512.00

3,371.00

14 14

76,121.64

Total

(Report on Summary of Schedules)

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 29 of 58
}bk1{Schedul G-Executory Cnactsd Unexpird Leas}bk{

In re

,

Debtor

Tiffany D Lowe 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 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 30 of 58
}bk1{Schedul H-Codebtrs}k{

In re

,

Debtor

Tiffany D Lowe 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

Case 10-01190 Doc 1 Filed 01/14/10 Entered 01/14/10 09:32:42 Desc Main

 Document Page 31 of 58
B6I (Official Form 6I) (12/07)

In re Tiffany D Lowe 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):

Son

AGE(S):

2

Employment: DEBTOR SPOUSE

Occupation Branch Manager

Name of Employer First Midwest Bank

How long employed 11 Years

Address of Employer One Pierce Place Suite 1500

Itasca, IL 60143

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) $ 3,867.50 $ N/A

2. Estimate monthly overtime $ 0.00 $ N/A

3. SUBTOTAL $ 3,867.50 $ N/A

4. LESS PAYROLL DEDUCTIONS

a. Payroll taxes and social security $ 712.03 $ N/A

b. Insurance $ 155.68 $ N/A

c. Union dues $ 0.00 $ N/A

d. Other (Specify) See Detailed Income Attachment $ 841.62 $ N/A

5. SUBTOTAL OF PAYROLL DEDUCTIONS $ 1,709.33 $ N/A

6. TOTAL NET MONTHLY TAKE HOME PAY $ 2,158.17 $ 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) $ 2,158.17 $ N/A

16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $ 2,158.17

(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:

The Debtor does not anticiapte any changes of income in the near future.

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

In re Tiffany D Lowe Case No.

Debtor(s)

SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)

Detailed Income Attachment

Other Payroll Deductions:

United Way $ 4.33 $ N/A

Medical Loan $ 41.17 $ N/A

Apparel Loan $ 50.01 $ N/A

401K Loan Payments $ 272.78 $ N/A

Garnishment $ 473.33 $ N/A

Total Other Payroll Deductions $ 841.62 $ N/A

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

In re Tiffany D Lowe 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) $ 902.03

 a. Are real estate taxes included? Yes No X

 b. Is property insurance included? Yes No X

2. Utilities: a. Electricity and heating fuel $ 190.00

b. Water and sewer $ 50.00

c. Telephone $ 150.00

d. Other See Detailed Expense Attachment $ 230.00

3. Home maintenance (repairs and upkeep) $ 50.00

4. Food $ 400.00

5. Clothing $ 100.00

6. Laundry and dry cleaning $ 50.00

7. Medical and dental expenses $ 70.00

8. Transportation (not including car payments) $ 300.00

9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 0.00

10. Charitable contributions $ 0.00

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

a. Homeowner's or renter's $ 50.00

b. Life $ 0.00

c. Health $ 0.00

d. Auto $ 130.00

e. Other $ 0.00

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

(Specify) Real Estate Taxes $ 200.00

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

plan)

a. Auto $ 495.00

b. Other 2nd Mortgage $ 281.45

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 $ 685.00

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.)

$ 4,333.48

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

following the filing of this document:

The Debtor does not anticipate any changes in current expenses at this time.

20. STATEMENT OF MONTHLY NET INCOME

a. Average monthly income from Line 15 of Schedule I $ 2,158.17

b. Average monthly expenses from Line 18 above $ 4,333.48

c. Monthly net income (a. minus b.) $ -2,175.31

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

In re Tiffany D Lowe Case No.

Debtor(s)

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Detailed Expense Attachment

Other Utility Expenditures:

Cell Phone $ 80.00

Association Fees $ 150.00

Total Other Utility Expenditures $ 230.00

Other Expenditures:

Personal Care/Haircuts $ 100.00

Day Care $ 550.00

Postage, Bank Fees, Etc. $ 35.00

Total Other Expenditures $ 685.00

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

United States Bankruptcy Court

Northern District of Illinois

In re Tiffany D Lowe Case No.

Debtor(s) Chapter 7

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

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

Date January 14, 2010 Signature /s/ Tiffany D Lowe

Tiffany D Lowe

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.

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B7 (Official Form 7) (12/07)

United States Bankruptcy Court

Northern District of Illinois

In re Tiffany D Lowe Case No.

Debtor(s) Chapter 7

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

$39,165.00 2009 YTD: Debtor Current YTD from Pay Stub

$47,294.00 2008: Debtor Adjusted Gross Income From Tax Return

$39,108.00 2007: Debtor Adjusted Gross Income From Tax Return

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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

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

CITIBANK

PO BOX 6413

The Lakes, NV 88901-6413

6/2009 The Debtors wages are currently being garnished

by Citi

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

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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

Ford Motor Credit Corporation

Ford Credit National Bk Center

Po Box 537901

Livonia, MI 48153

11/2008 2007 F 150 Truck value of $15600.00 this value

came from the auction sale. This vehicle was

sold at auction for the above listed price

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

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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

Jahnke & Toolis, LLC

9031 West 151st Street

Suite 203

Orland Park, IL 60462

various $760.00

None



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

First American Bank

8941 East Valley Blvd.

Joliet, IL 60431

This account has been closed by the

bank due to a negative balance

Negative

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.)

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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

520 Silverleaf Dr

Joliet Illinois

Tiffany D Lowe 2004 - 2009

None



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

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

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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.

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

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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

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)

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8

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 14, 2010 Signature /s/ Tiffany D Lowe

Tiffany D Lowe

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

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

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B8 (Form 8) (12/08)

United States Bankruptcy Court

Northern District of Illinois

In re Tiffany D Lowe Case No.

Debtor(s) Chapter 7

CHAPTER 7 INDIVIDUAL DEBTOR'S STATEMENT OF INTENTION

PART A - Debts secured by property of the estate. (Part A must be fully completed for EACH debt which is secured by

property of the estate. Attach additional pages if necessary.)

Property No. 1

Creditor's Name:

CitiMortgage

Describe Property Securing Debt:

528 Silverleaf Drive, Joliet, IL 60431

Property will be (check one):

 Surrendered  Retained

If retaining the property, I intend to (check at least one):

 Redeem the property

 Reaffirm the debt

 Other. Explain avoid lien using 11 U.S.C. § 522(f) (for example, avoid lien using 11 U.S.C. § 522(f)).

Property is (check one):

 Claimed as Exempt  Not claimed as exempt

Property No. 2

Creditor's Name:

Countrywide Home Loan

Describe Property Securing Debt:

528 Silverleaf Drive, Joliet, IL 60431

Property will be (check one):

 Surrendered  Retained

If retaining the property, I intend to (check at least one):

 Redeem the property

 Reaffirm the debt

 Other. Explain (for example, avoid lien using 11 U.S.C. § 522(f)).

Property is (check one):

 Claimed as Exempt  Not claimed as exempt

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B8 (Form 8) (12/08) Page 2

Property No. 3

Creditor's Name:

Fifth Third Bank

Describe Property Securing Debt:

2007 Ford Explorer

Property will be (check one):

 Surrendered  Retained

If retaining the property, I intend to (check at least one):

 Redeem the property

 Reaffirm the debt

 Other. Explain (for example, avoid lien using 11 U.S.C. § 522(f)).

Property is (check one):

 Claimed as Exempt  Not claimed as exempt

PART B - Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease.

Attach additional pages if necessary.)

Property No. 1

Lessor's Name:

-NONEDescribe Leased Property: Lease will be Assumed pursuant to 11

U.S.C. § 365(p)(2):

 YES  NO

I declare under penalty of perjury that the above indicates my intention as to any property of my estate securing a debt

and/or personal property subject to an unexpired lease.

Date January 14, 2010 Signature /s/ Tiffany D Lowe

Tiffany D Lowe

Debtor

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United States Bankruptcy Court

Northern District of Illinois

In re Tiffany D Lowe Case No.

Debtor(s) Chapter 7

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 $ 1,950.00

Prior to the filing of this statement I have received $ 760.00

Balance Due $ 1,190.00

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

 Debtor  Other (specify): Balance of Attorney Fees to be paid by Hyatt Legal upon completion of 341

Meeting.

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

 Debtor  Other (specify):

4.  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.

5. 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]

Negotiations with secured creditors to reduce to market value; exemption planning; preparation and filing of

motions pursuant to 11 USC 522(f)(2)(A) for avoidance of liens on household goods.

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

Representation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions

or any other adversary proceeding and preparation and filing of reaffirmation agreements, applications and

hearings thereon.

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 14, 2010 /s/ Thomas W. Toolis

Thomas W. Toolis 6270743

Jahnke & Toolis, LLC

9031 West 151st Street

Suite 203

Orland Park, IL 60462

708-349-9333 Fax: 708-349-8333

twt@jtlawllc.com

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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 Tiffany D Lowe Case No.

Debtor(s) Chapter 7

CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)

UNDER § 342(b) OF THE BANKRUPTCY CODE

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.

Tiffany D Lowe X /s/ Tiffany D Lowe January 14, 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 Tiffany D Lowe Case No.

Debtor(s) Chapter 7

VERIFICATION OF CREDITOR MATRIX

Number of Creditors: 71

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 14, 2010 /s/ Tiffany D Lowe

Tiffany D Lowe

Signature of Debtor

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}bk1{Credito AresMatix}bk{

Arrow Financial Services

5996 W Touhy Ave

Niles, IL 60714

Asset Acceptance

Po Box 2036

Warren, MI 48090

ASSET ACCEPTANCE CORP

PO BOX 2036

Warren, MI 48090

AT & T

PO BOx 9001310

Louisville, KY 40290-1310

Bank Of America

De5-019-03-07

Newark, DE 19714

Capital 1 Bank

Attn: C/O TSYS Debt Management

Po Box 5155

Norcross, GA 30091

Ccs/cortrust Bank

500 E 60th St N

Sioux Falls, SD 57104

Chase Na

Attn: Bankruptcy Dept

Po Box 100018

Kennesaw, GA 30156

Chex Systems, Inc.

7805 Hudson Road, Suite 100

Woodbury, MN 55125

Citi

Po Box 6241

Sioux Falls, SD 57117

Citifinancial Retail Services

Po Box 140489

Irving, TX 75014

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CitiMortgage

P.O. Box 183040

Columbus, OH 43218

Citimortgage Inc

Po Box 9438

Gaithersburg, MD 20898

Collection

Attn: Bankrutpcy Department

Po Box 10587

Greenville, SC 29603

Collection Prof/lasal

723 1st St

La Salle, IL 61301

Countrywide Home Lending

Attention: Bankruptcy SV-314B

Po Box 5170

Simi Valley, CA 93062

Countrywide Home Loan

PO Box 650070

Dallas, TX 75265-0070

Crd Prt Asso

13355 Noel Rd Ste 2100

Dallas, TX 75240

Dell Financial Services

Attn: Bankruptcy Dept.

12234 North Ih 35

Austin, TX 78753

Dermatology Associates Ltd.

18425 West Creek Drive

Suite F

Tinley Park, IL 60477

Discover Fin Svcs Llc

Po Box 15316

Wilmington, DE 19850

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Equifax Information Services, LLC

P.O. Box 740256

Atlanta, GA 30374-0256

Er Solutions

Po Box 9004

Renton, WA 98057

Experian

P.O. Box 9701

Allen, TX 75013-9701

Fifth Third Bank

C/O Bankruptcy Dept, Mdropso5

1850 East Paris

Grand Rapids, MI 49546

First Midwest Bank/na

214 Washington St

Waukegan, IL 60085

First Premier Bank

900 Delaware Suite 7

Sioux Falls, SD 57104

First Revenue Assuranc

4500 Cherry Creek Dr Ste

Denver, CO 80246

First Usa Bank N A

1001 Jefferson Plaza

Wilmington, DE 19701

Ford Motor Credit Corporation

Ford Credit National Bk Center

Po Box 537901

Livonia, MI 48153

Ford Motor Credit Corporation

National Bankruptcy Center

Po Box 537901

Livonia, MI 48153

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Fst Premier

Pob 5524

Sioux Falls, SD 57117

G M A C

2740 Arthur St

Roseville, MN 55113

GE Money Bank

Po Box 960061

Orlando, FL 32896

GEMB / Old Navy

Attention: Bankruptcy

Po Box 103106

Roswell, GA 30076

Gemb/american Honda

Po Box 981439

El Paso, TX 79998

Gemb/funancing

Po Box 981439

El Paso, TX 79998

Gemb/jcp

Attention: Bankruptcy

Po Box 103106

Roswell, GA 30076

Gemb/whitehall

Po Box 981439

El Paso, TX 79998

Genesis Financial Solu

Po Box 4865

Beaverton, OR 97076

GMAC

Attention: Bankruptcy Dept.

1100 Virginia Drive

Fort Washington, PA 19034

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Green Point Savings

Po Box 84013

Columbus, GA 31908

Guaranty Savings Bk

4000 W Brown Deer Rd

Brown Deer, WI 53209

Home Comings Financial

Attention: Bankruptcy Dept

1100 Virginia Drive

Fort Washington, PA 19034

Hsbc Bank

Attn: Bankruptcy

Po Box 5253

Carol Stream, IL 60197

Hsbc/carsn

Po Box 15524

Wilmington, DE 19850

Hsbc/mitsu

90 Christiana Rd

New Castle, DE 19720

Kohls/chase

N56 W 17000 Ridgewood Dr

Menomonee Falls, WI 53051

Marshall & Ilsley Bank

Attn: Bankruptcy

770 N Water St

Milwaukee, WI 53202

NCO Financial Systems

507 Prudential Rd

Horsham, PA 19044

Nemanich Consulting & Management

2756 Caton Farm Road

Joliet, IL 60435

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Nicor Gas

Attention: Bankruptcy Department

1844 Ferry Road

Naperville, IL 60507

Nissan Motor Acceptanc

Pob 660366

Dallas, TX 75266

Ocwen Loan Servicing L

1661 Worthington Rd Suite 100

West Palm Beach, FL 33409

Prefcustjewl

Po Box 94498

Las Vegas, NV 89193

Provena Service Corporation

75 Remittance Drive, Suite 1473

Chicago, IL 60675-1473

Rnb-fields3

Po Box 9475

Minneapolis, MN 55440

Tiburon Financial LLC

PO Box 10050

Fayetteville, AR 72703

TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA 19022-2002

Verizon

Po Box 3397

Bloomington, IL 61702

Victoria's Secret

Po Box 182273

Columbus, OH 43218

Wells Fargo

Wells Fargo Financial

4137 121st St

Urbandale, IA 50323

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Wells Fargo Financial

MAC F4030-070 / Collections

800 Walnut Street

Des Moines, IA 50309-3605

West Suburban Bank

701-711 S Westmore Ave

Lombard, IL 60148

Wffinancial

800 Walnut St

Des Moines, IA 50309

Wffnatbank

Bankruptcy

4137 121st St

Urbandale, IA 50323

Wfnnb/express

Po Box 182273

Columbus, OH 43218

Wfnnb/j Crew

Po Box 182273

Columbus, OH 43218

Wfnnb/new York & Compa

220 W Schrock Rd

Westerville, OH 43081

Willy World

101 N. Reed Street

Joliet, IL 60435

World Financial Network Ntnl Bank

P.O. Box 659704

San Antonio, TX 78265-9704

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