UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

In re: 

Larry M Kowaluk

Christine H Kowaluk

Debtor(s)

Case No. 09 B 49512

CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT AND ACCOUNT

Marilyn O. Marshall, chapter 13 trustee, submits the following Final Report and Account 

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

follows:

1) The case was filed on 12/31/2009.

2) The plan was confirmed on 02/18/2010.

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

03/21/2013.

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

on 10/06/2011.

5) The case was Completed on 07/30/2014.

6) Number of months from filing to last payment: 55.

7) Number of months case was pending: 62.

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

9) Total value of assets exempted: NA .

10) Amount of unsecured claims discharged without payment: $14,462.00.

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

UST Form 101-13-FR-S (9/1/2009)

Case 09-49512 Doc 67 Filed 03/09/15 Entered 03/09/15 16:20:31 Desc Page 1

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Receipts:

Total paid by or on behalf of the debtor $114,819.48

Less amount refunded to debtor $4,049.98

NET RECEIPTS: $110,769.50

Expenses of Administration:

Attorney’s Fees Paid Through the Plan $3,400.00

Court Costs $0.00

Trustee Expenses & Compensation $5,167.72

Other $0.00

TOTAL EXPENSES OF ADMINISTRATION: $8,567.72

Attorney fees paid and disclosed by debtor: $0.00

Scheduled Creditors:

Creditor

Name Class

Claim

Scheduled

Claim

Asserted

Claim

Allowed

Int.

Paid

Principal

Paid

American InfoSource LP Unsecured 4,360.00 4,431.88 4,431.88 4,431.88 0.00

American InfoSource LP Unsecured 177.00 172.89 172.89 172.89 0.00

Bank Of America Unsecured 7,421.00 7,421.44 7,421.44 7,421.44 0.00

Becket & Lee Unsecured 5,294.00 5,391.34 5,391.34 5,391.34 0.00

Becket & Lee Unsecured 5,880.00 5,818.41 5,818.41 5,818.41 0.00

Becket & Lee Unsecured 876.00 899.24 899.24 899.24 0.00

Citizens Automotive Finance Secured 5,696.00 5,727.76 5,696.00 5,696.00 87.24

Citizens Automotive Finance Unsecured NA 31.76 31.76 31.76 0.00

Creditors Bankruptcy Service Unsecured 399.00 399.16 399.16 399.16 0.00

Discover Financial Services Unsecured 5,999.00 6,187.43 6,187.43 6,187.43 0.00

Discover Financial Services Unsecured 4,484.00 4,560.67 4,560.67 4,560.67 0.00

East Bay Funding Unsecured 2,981.00 2,981.45 2,981.45 2,981.45 0.00

East Bay Funding Unsecured 4,542.00 4,475.72 4,475.72 4,475.72 0.00

ECast Settlement Corp Unsecured 3,795.00 3,758.04 3,758.04 3,758.04 0.00

First Community Credit Union Unsecured 3,874.00 NA NA 0.00 0.00

First USA Bank N A Unsecured 10,543.00 NA NA 0.00 0.00

Homewood Credit Union Secured 4,693.00 4,693.00 4,693.00 4,693.00 190.64

Portfolio Recovery Associates Unsecured 562.00 532.85 532.85 532.85 0.00

Portfolio Recovery Associates Unsecured 3,753.00 3,753.06 3,753.06 3,753.06 0.00

Portfolio Recovery Associates Unsecured 6,210.00 6,298.75 6,298.75 6,298.75 0.00

Portfolio Recovery Associates Unsecured 10,010.00 10,754.32 10,754.32 10,754.32 0.00

Portfolio Recovery Associates Unsecured 2,761.00 2,732.57 2,732.57 2,732.57 0.00

Portfolio Recovery Associates Unsecured 3,463.00 3,463.86 3,463.86 3,463.86 0.00

Portfolio Recovery Associates Unsecured 2,585.00 2,732.04 2,732.04 2,732.04 0.00

Resurgent Capital Services Unsecured 4,733.00 4,831.01 4,831.01 4,831.01 0.00

Resurgent Capital Services Unsecured NA 9,907.01 9,907.01 9,907.01 0.00

WFFNB/VS Unsecured 45.00 NA NA 0.00 0.00

UST Form 101-13-FR-S (9/1/2009)

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Summary of Disbursements to Creditors:

Secured Payments:

Mortgage Ongoing

Mortgage Arrearage

Debt Secured by Vehicle

All Other Secured

TOTAL SECURED:

Priority Unsecured Payments:

Domestic Support Arrearage

Domestic Support Ongoing

All Other Priority

TOTAL PRIORITY:

GENERAL UNSECURED PAYMENTS:

Claim

Allowed

$0.00

$0.00

$0.00

$10,389.00

$10,389.00

$0.00

$0.00

$0.00

$0.00

$91,534.90

Principal

Paid

$0.00

$0.00

$0.00

$10,389.00

$10,389.00

$0.00

$0.00

$0.00

$0.00

$91,534.90

Interest

Paid

$0.00

$0.00

$0.00

$277.88

$277.88

$0.00

$0.00

$0.00

$0.00

$0.00

Disbursements:

Expenses of Administration $8,567.72

Disbursements to Creditors $102,201.78

TOTAL DISBURSEMENTS : $110,769.50

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

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

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

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

be just and proper.

Dated: 03/09/2015

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

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

By:/s/ Marilyn O. Marshall

Trustee

UST Form 101-13-FR-S (9/1/2009)

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