UNITED STATES BANKRUPTCY COURT

Voluntary Petition

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

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

(include married, maiden, and trade names): All Other Names used by the Joint Debtor in the last 8 years(include married, maiden, and trade names):

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

County of Residence or of the Principal Place of Business: County of Residence or of the Principal Place of Business: Mailing Address of Debtor (if different from street address): Mailing Address of Joint Debtor (if different from street address):

Location of Principal Assets of Business Debtor (if different from street address above):

Type of Debtor

(Check one box.)

þ Individual (includes Joint Debtors)

 ̈ Corporation (includes LLC and LLP)

 ̈ Partnership

 ̈ Other (If debtor is not one of the above  ̈ Railroad

 ̈ Stockbroker  ̈ Commodity Broker

Chapter of Bankruptcy Code Under Which

the Petition is Filed (Check one box.)

þ Chapter 7

 ̈ Chapter 9

 ̈ Chapter 11

 ̈ Chapter 12

 ̈ Chapter 13

Nature of Debts

(Check one box.)

þ Debts are primarily consumer  ̈ Debts are primarily

 ̈

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

Filing Fee (Check one box.) Chapter 11 Debtors þ 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.

Statistical/Administrative Information THIS SPACE IS FOR

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

5,000

 ̈

10,000

 ̈

25,000

 ̈

50,000

 ̈

100,000

 ̈

100,000

 ̈

Estimated Assets

$0 to  ̈  ̈$50,001 to þ$500,001 $1,000,001

 ̈  ̈

$50,000 $100,000 to $1 million

$100,001 to

$500,000

Estimated Liabilities

$0 to

$50,000

 ̈  ̈

$100,000

$50,001 to $100,001 to

$500,000

þ  ̈

to $1 million

$500,001

 ̈

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

xxx-xx-6869

1905 Parkside Drive, Apt. 2D

Parkridge, IL

Cook

Computer software provided by LegalPRO Systems, Inc., San Antonio, Texas (210) 561-5300, Copyright 1996-2009 (Build 9.0.54.3, ID 4117674060)

B1 (Official Form 1) (1/08)

 ̈ Clearing Bank

ZIP CODE ZIP CODE

ZIP CODE ZIP CODE

ZIP CODE

 ̈ Chapter 15 Petition for Recognition

of a Foreign Main Proceeding

 ̈ Chapter 15 Petition for Recognition

of a Foreign Nonmain Proceeding

(Form of Organization)

entities, check this box and state type

of entity below.)

Nature of Business

(Check one box.)

 ̈ Health Care Business  ̈ Single Asset Real Estate as defined

in 11 U.S.C. § 101(51B)

 ̈ Other

Check one box:

Check if:  ̈ Debtor's aggregate noncontigent liquidated debts (excluding debts owed to

insiders or affiliates) are less than $2,190,000.  ̈ Filing Fee waiver requested (applicable to chapter 7 individuals only). Must attach signed application for the court's consideration. See Official Form 3B.

þ  ̈  ̈  ̈

1-49 50-99 100-199 200-999 1,000- 5,001- 10,001- 25,001- 50,001- Over

60069

See Exhibit D on page 2 of this form.

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).

debts, defined in 11 U.S.C. § 101(8) as "incurred by an

individual primarily for a

personal, family, or housebusiness debts.

hold purpose."

Tax-Exempt Entity

(Check box, if applicable.)

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

than one, state all): Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN (if morethan one, state all):

 ̈ Debtor is a tax-exempt organization

under Title 26 of the United States Code (the Internal Revenue Code).

COURT USE ONLY

to $10 million  ̈

$10,000,001

to $50 million  ̈

$50,000,001

to $100 million  ̈

$100,000,001

to $500 million  ̈

$500,000,001

to $1 billion  ̈

More than

$1 billion

$1,000,001

to $10 million

$10,000,001

to $50 million

$50,000,001

to $100 million

$100,000,001

to $500 million

$500,000,001

to $1 billion More than$1 billion  ̈  ̈  ̈  ̈  ̈

Kolodziejczyk, Ernest

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 Document Page 1 of 31
Voluntary Petition

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

Name of Debtor(s):

Location Where Filed:

Location Where Filed:

Case Number: Date Filed:

Case Number: Date 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

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

Exhibit B

X

M. Eryk Nowicki

None

None

Date

/s/ M. Eryk Nowicki 01/05/2010

Computer software provided by LegalPRO Systems, Inc., San Antonio, Texas (210) 561-5300, Copyright 1996-2009 (Build 9.0.54.3, ID 4117674060)

Exhibit C

 ̈ Yes, and Exhibit C is attached and made a part of this petition. þ No.

B1 (Official Form 1) (1/08) Page 2

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

Information Regarding the Debtor - Venue

(Check any applicable box.)

þ

 ̈ There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending 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)

 ̈

 ̈

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?

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.)

þ

 ̈

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

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

If this is a joint petition:

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

(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.) 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 have delivered to the debtor the notice

required by 11 U.S.C. § 342(b).

Kolodziejczyk, Ernest

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.

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.

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.

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

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 Document Page 2 of 31
B1 (Official Form 1) (1/08)

Voluntary Petition Name of Debtor(s): Page 3

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

Signatures

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

X /s/ Kolodziejczyk, Ernest

Kolodziejczyk, Ernest

X

Telephone Number (If not represented by attorney)

01/05/2010

Date Signature of Attorney* X /s/ M. Eryk Nowicki

M. Eryk Nowicki Bar No. 6286984

M. Eryk Nowicki & Associates, P.C. 250 Parkway Drive, Suite 150

Lincolnshire, IL 60069

Email: menowicki@menolaw.com

Phone No.______________________ Fax No.(_8_4_7_)__3_2_5_-_0_9_5_7_________

01/05/2010

Date

Signature of Debtor (Corporation/Partnership)

X

Printed Name of Authorized Individual

Title of Authorized Individual

Date

Signature of Non-Attorney Bankruptcy Petition Preparer

Address X

(847) 325-5020

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

Signature of a Foreign Representative

X

(Signature of Foreign Representative)

(Printed Name of Foreign Representative)

Date

(Check only one box.)

 ̈

 ̈

Date

Signature of Authorized Individual

Kolodziejczyk, Ernest

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.

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.

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.

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.

Social-Security number (If the bankruptcy petition preparer is not an individual, state the Social-Security number of the officer, principal, responsible person or partner of the bankruptcy petition preparer.) (Required by 11 U.S.C. § 110.)

Signature of bankruptcy petiton preparer or officer, principal, responsible person, or partner whose Social-Security number is provided above.

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.

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.

*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.

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 Document Page 3 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re: Case No.

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

Debtor(s)

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

(if known)

CREDIT COUNSELING REQUIREMENT

Kolodziejczyk, Ernest

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

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

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

 ̈ 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.]

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.

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

approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit couseling

and assisted me in performing a related budget analysis, but I do not have a certificate from the agency describing the services

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

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.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 4 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re: Case No.

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

Continuation Sheet No. 1

Debtor(s)

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

(if known)

CREDIT COUNSELING REQUIREMENT

Kolodziejczyk, Ernest

 ̈ 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.]

 ̈

 ̈

 ̈

 ̈ 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.

Signature of Debtor:

Date:

/s/ Kolodziejczyk, Ernest

01/05/2010

Kolodziejczyk, Ernest

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 responsibilites.);

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.

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

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 5 of 31
In re

SCHEDULE A - REAL PROPERTY

Case No.

Amount Of

Secured Claim

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

(if known)

Nature of Debtor's

Interest in Property

Current Value of Debtor's

Interest in Property, Without

Deducting Any

Secured Claim

or Exemption

Kolodziejczyk, Ernest

Description and

Location of

Property

Husband, Wife, Joint, or Com

munity

1905 Parkside Dr., Apt. 2D, Park Ridge, IL 60068 Fee Simple - $200,000.00 $186,154.00

Total: $200,000.00

(Report also on Summary of Schedules)

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 6 of 31
In re

SCHEDULE B - PERSONAL PROPERTY

Case No.

Type of Property Description and Location of Property

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

(if known)

Current Value of

Debtor's Interest

in Property, Without Deducting

any Secured

Claim or

Exemption

Kolodziejczyk, Ernest

None

Husband, Wife, Joint, or Com

munity

1. Cash on hand. Cash - $80.00

2. Checking, savings or other finan- Harris Bank checking account - $200.00

cial accounts, certificates of deposit

or shares in banks, savings and loan, National City Checking Account - $20.00

thrift, building and loan, and home- stead associations, or credit unions, brokerage houses, or cooperatives.

3. Security deposits with public util- X

ities, telephone companies, landlords, and others.

4. Household goods and furnishings, Household furnishings, TV, Audio, Kitchenware - $1,200.00

including audio, video and computer

equipment.

5. Books; pictures and other art Books and magazines - $40.00

objects; antiques; stamp, coin, record, tape, compact disc, and other

collections or collectibles.

6. Wearing apparel. Normal clothing - $300.00

7. Furs and jewelry. X

8. Firearms and sports, photo- X

graphic, and other hobby equipment.

9. Interests in insurance policies. X

Name insurance company of each

policy and itemize surrender or

refund value of each.

10. Annuities. Itemize and name X

each issuer.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 7 of 31
In re

SCHEDULE B - PERSONAL PROPERTY

Case No.

Type of Property Description and Location of Property

Continuation Sheet No. 1

B6B (Official Form 6B) (12/07) -- Cont.

(if known)

Current Value of

Debtor's Interest

in Property, Without Deducting

any Secured

Claim or

Exemption

Kolodziejczyk, Ernest

None

Husband, Wife, Joint, or Com

munity

11. Interests in an education IRA as X

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).)

12. Interests in IRA, ERISA, Keogh, X

or other pension or profit sharing

plans. Give particulars.

13. Stock and interests in incorpo- X

rated and unincorporated businesses.

Itemize.

14. Interests in partnerships or joint X

ventures. Itemize.

15. Government and corporate bonds X

and other negotiable and non- negotiable instruments.

16. Accounts receivable. X

17. Alimony, maintenance, support, X

and property settlements to which the

debtor is or may be entitled. Give

particulars.

18. Other liquidated debts owed to X

debtor including tax refunds. Give

particulars.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 8 of 31
In re

SCHEDULE B - PERSONAL PROPERTY

Case No.

Type of Property Description and Location of Property

Continuation Sheet No. 2

B6B (Official Form 6B) (12/07) -- Cont.

(if known)

Current Value of

Debtor's Interest

in Property, Without Deducting

any Secured

Claim or

Exemption

Kolodziejczyk, Ernest

None

Husband, Wife, Joint, or Com

munity

19. Equitable or future interests, life X

estates, and rights or powers exercis- able for the benefit of the debtor other

than those listed in Schedule A - Real

Property.

20. Contingent and noncontingent X

interests in estate of a decedent, death

benefit plan, life insurance policy, or

trust.

21. Other contingent and unliqui- X

dated claims of every nature,

including tax refunds, counterclaims

of the debtor, and rights to setoff

claims. Give estimated value of each.

22. Patents, copyrights, and other X

intellectual property. Give

particulars.

23. Licenses, franchises, and other X

general intangibles. Give particulars.

24. Customer lists or other compilations X

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.

25. Automobiles, trucks, trailers, 2003 Toyota Highlander - $6,000.00

and other vehicles and accessories. 2003 Toyota Echo (co-owned with domestic partner) - $2,200.00

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 Document Page 9 of 31
In re

SCHEDULE B - PERSONAL PROPERTY

Case No.

Type of Property Description and Location of Property

Continuation Sheet No. 3

B6B (Official Form 6B) (12/07) -- Cont.

(if known)

Current Value of

Debtor's Interest

in Property, Without Deducting

any Secured

Claim or

Exemption

Kolodziejczyk, Ernest

None

Husband, Wife, Joint, or Com

munity

26. Boats, motors, and accessories. Paddle boat - $300.00

27. Aircraft and accessories. X

28. Office equipment, furnishings, X

and supplies.

29. Machinery, fixtures, equipment, Small tools - $400.00

and supplies used in business.

30. Inventory. X

31. Animals. X

32. Crops - growing or harvested. X

Give particulars.

33. Farming equipment and X

implements.

34. Farm supplies, chemicals, and X

feed.

35. Other personal property of any X

kind not already listed. Itemize.

Total > $10,740.00

3 continuation sheets attached

(Include amounts from any continuation sheets attached. Report total also on Summary of Schedules.)

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 10 of 31
In re

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT

Case No.

Description of Property

Debtor claims the exemptions to which debtor is entitled under:

11 U.S.C. § 522(b)(2)

11 U.S.C. § 522(b)(3)

 ̈

þ

 ̈

(Check one box)

Check if debtor claims a homestead exemption that exceeds $136,875.

(If known)

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

Current

Value of Property

Without Deducting

Exemption

Value of Claimed

Exemption

Specify Law Providing Each

Exemption

Kolodziejczyk, Ernest

1905 Parkside Dr., Apt. 2D, Park Ridge, IL 735 ILCS 5/12-901 $13,846.00 $200,000.00

60068

Cash 735 ILCS 5/12-1001(b) $80.00 $80.00

Harris Bank checking account 735 ILCS 5/12-1001(b) $200.00 $200.00

National City Checking Account 735 ILCS 5/12-1001(b) $20.00 $20.00

Household furnishings, TV, Audio, Kitchenware 735 ILCS 5/12-1001(b) $1,200.00 $1,200.00

Books and magazines 735 ILCS 5/12-1001(b) $40.00 $40.00

Normal clothing 735 ILCS 5/12-1001(a), (e) $300.00 $300.00

2003 Toyota Echo (co-owned with domestic 735 ILCS 5/12-1001(c) $2,200.00 $2,200.00

partner)

Paddle boat 735 ILCS 5/12-1001(b) $300.00 $300.00

Small tools 735 ILCS 5/12-1001(d) $400.00 $400.00

$18,586.00 $204,740.00

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 Document Page 11 of 31
In re

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

Case No. (if known)

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

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

INCURRED, NATURE

OF LIEN, AND

DESCRIPTION AND

VALUE OF

PROPERTY SUBJECT

TO LIEN

AMOUNT OF

CLAIM

WITHOUT

DEDUCTING

VALUE OF

COLLATERAL

UNSECURED

PORTION, IF

ANY

Kolodziejczyk, Ernest

CREDITOR'S NAME AND

MAILING ADDRESS

INCLUDING ZIP CODE AND

AN ACCOUNT NUMBER

(See Instructions Above.)

C

O

DEBT

O

R

C

O

N

TIN

GEN

T

U

NLIQ

UID

A

TED

DISPU

TED

HUSBAND, WIFE, JOINT, OR CO

M

MUNITY

xxxxxxxxxxxxx0001

1111 W 22ND ST STE 420

OAK BROOK, IL 60523

07/06/2006

- $6,660.00 $660.00 TOYOTA MOTOR CREDIT

Automobile

2003 Toyota Highlander

VALUE: $6,000.00

DATE INCURRED: NATURE OF LIEN: COLLATERAL: REMARKS:

ACCT #:

Last Activity Date: 2009-11-13

xxxxxxxxx6002

4801 FREDERICA ST

OWENSBORO, KY 42301

02/27/2008

- U $186,154.00 S BANK HOME MORTGAGE

Conventional Real Estate Mortgage

1905 Parkside Dr., Apt. 2D, Park Ridge, IL 60068

VALUE: $200,000.00

DATE INCURRED: NATURE OF LIEN: COLLATERAL: REMARKS:

ACCT #:

Total (Use only on last page) > $192,814.00

Subtotal (Total of this Page) > $192,814.00 $660.00

$660.00

_______N_o________continuation sheets attached (Report also on Summary of

Schedules.)

(If applicable, report also on Statistical

Summary of

Certain Liabilities and Related

Data.)

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 12 of 31
________________continuation sheets attached

In re

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

Case No.

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

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

(If Known)

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

 ̈ Domestic Support Obligations

 ̈ Extensions of credit in an involuntary case

 ̈ Wages, salaries, and commissions

 ̈ Contributions to employee benefit plans

 ̈ Certain farmers and fishermen

 ̈ Deposits by individuals

 ̈ Taxes and Certain Other Debts Owed to Governmental Units

 ̈ Commitments to Maintain the Capital of an Insured Depository Institution

 ̈ Claims for Death or Personal Injury While Debtor Was Intoxicated

 ̈ Administrative allowances under 11 U.S.C. Sec. 330

No

Kolodziejczyk, Ernest

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).

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, 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).

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).

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).

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

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 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).

Claims based on services rendered by the trustee, examiner, professional person, or attorney and by any paraprofessional person employed

by such person as approved by the court and/or in accordance with 11 U.S.C. §§ 326, 328, 329 and 330.

* 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.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 13 of 31
In re Case No. (if known)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

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

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

INCURRED AND

CONSIDERATION FOR

CLAIM.

IF CLAIM IS SUBJECT TO

SETOFF, SO STATE.

Kolodziejczyk, Ernest

CREDITOR'S NAME, MAILING ADDRESS

INCLUDING ZIP CODE, AND ACCOUNT NUMBER

(See instructions above.)

AMOUNT OF

CLAIM

C

O

DEBT

O

R

C

O

N

TIN

GEN

T

U

NLIQ

UID

A

TED

DISPU

TED

HUSBAND, WIFE, JOINT, OR CO

M

MUNITY

xxxxxxxx0459

PO BOX 15298

WILMINGTON, DE 19850

- CHASE

07/13/2006

Credit Card $4,638.00

ACCT #: DATE INCURRED: CONSIDERATION: REMARKS: Last Activity Date: 2009-11

PO BOX 15153

Wilmington, DE 19886

- Chase Credit Card Notice Only

ACCT #: DATE INCURRED: CONSIDERATION: REMARKS:

xxxx2-127

25 North Nortwest Hwy

Park Ridge, IL 60068

- McLennon Property Mgmt. 2009

Condominium Assesment $5,200.00

ACCT #: DATE INCURRED: CONSIDERATION: REMARKS:

PO BOX 5855

Carol Stream, IL 60197

-

Toyota Financial Notice Only Notice Only

ACCT #: DATE INCURRED: CONSIDERATION: REMARKS:

PO BOX 20005

Owensboro, KY 42304

- US Bank Home Mortgage Notice Only Notice Only

ACCT #: DATE INCURRED: CONSIDERATION: REMARKS:

$9,838.00

Subtotal > $9,838.00

_______N_o________continuation sheets attached

Total >

(Use only on last page of the completed Schedule F.)

(Report also on Summary of Schedules and, if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 14 of 31
In re Case No.

SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES

NAME AND MAILING ADDRESS, INCLUDING ZIP CODE, OF OTHER PARTIES TO LEASE OR CONTRACT.

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

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

(if known)

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.

Kolodziejczyk, Ernest

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 of 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).

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 15 of 31
In re Case No.

SCHEDULE H - CODEBTORS

NAME AND ADDRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR

þ Check this box if debtor has no codebtors.

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

(if known)

Kolodziejczyk, Ernest

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 the 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).

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 16 of 31
In re Case No.

SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)

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

(if known)

Kolodziejczyk, Ernest

Occupation

Name of Employer

How Long Employed

Address of Employer

Self employed

Daughter 2 Single

Employment: Debtor Spouse

Dependents of Debtor and Spouse

Relationship(s): Age(s): Relationship(s): Age(s):

Debtor's Marital Status:

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.

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

Monthly gross wages, salary, and commissions (Prorate if not paid monthly) $0.00

Estimate monthly overtime $0.00

SUBTOTAL $0.00

LESS PAYROLL DEDUCTIONS

a. Payroll taxes (includes social security tax if b. is zero)

d. Insurance

e. Union dues

f. Retirement

g. Other (Specify)

$0.00

$0.00

$0.00

$0.00

$0.00

SUBTOTAL OF PAYROLL DEDUCTIONS $0.00

TOTAL NET MONTHLY TAKE HOME PAY $0.00

Regular income from operation of business or profession or farm (Attach detailed stmt)

Income from real property

Interest and dividends

Alimony, maintenance or support payments payable to the debtor for the debtor's use or

that of dependents listed above

Social security or government assistance (Specify):

Pension or retirement income

Other monthly income (Specify):

$2,950.00

$0.00

$0.00

$0.00

$0.00

$0.00

a. Domestic Partner's Budget Contributions b. c.$600.00

$0.00

$0.00

AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $3,550.00

COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $3,550.00

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

b. Social Security Tax

h. Other (Specify) $0.00

$0.00

i. Other (Specify)

j. Other (Specify)

k. Other (Specify)

$0.00

$0.00

$0.00

c. Medicare $0.00

SUBTOTAL OF LINES 7 THROUGH 13 $3,550.00

1. 2. 3. 4.

5. 6. 7. 8. 9. 10.

11.

12. 13.

14. 15. 16.

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:

None.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 17 of 31
IN RE:

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

 ̈

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

Case No. (if known)

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."

Kolodziejczyk, Ernest

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.

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

a. Are real estate taxes included?

b. Is property insurance included?

Yes

Yes

No

No

2. Utilities:

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

Specify:

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

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

$1,590.00

$60.00

$50.00

$20.00

$500.00

$20.00

$30.00

$100.00

$130.00

$10.00

$100.00

$100.00

$300.00

$530.00

$3,540.00

þ  ̈

þ  ̈

Support of a child in Poland

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

document:

20. STATEMENT OF MONTHLY NET INCOME

a. Average monthly income from Line 15 of Schedule I

b. Average monthly expenses from Line 18 above

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

a. Electricity and heating fuel

b. Water and sewer

c. Telephone

d. Other:

3. Home maintenance (repairs and upkeep)

4. Food

5. Clothing

6. Laundry and dry cleaning

7. Medical and dental expenses

8. Transportation (not including car payments)

9. Recreation, clubs and entertainment, newspapers, magazines, etc. 10. Charitable contributions

a. Homeowner's or renter's

b. Life

c. Health

d. Auto

e. Other:

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

a. Auto:

b. Other:

c. Other:

d. Other:

14. Alimony, maintenance, and support paid to others:

15. Payments for support of add'l dependents not living at your home:

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

17.a. Other:

17.b. Other:

$3,550.00

$3,540.00

$10.00

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

None.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 18 of 31
In re:

EXHIBIT TO SCHEDULE J - BUSINESS INCOME AND EXPENSES

CHAPTER 7

CASE NO

EASTERN DIVISION (CHICAGO)

NORTHERN DISTRICT OF ILLINOIS

UNITED STATES BANKRUPTCY COURT

Kolodziejczyk, Ernest

FINANCIAL REVIEW OF THE DEBTOR'S BUSINESS (NOTE: ONLY INCLUDE information directly related to the business operation.)

PART A - GROSS BUSINESS INCOME FOR PREVIOUS 12 MONTHS:

1. Gross Income for 12 Months Prior to Filing:

PART B - ESTIMATED AVERAGE FUTURE GROSS MONTHLY INCOME:

2. Gross Monthly Income:

PART C - ESTIMATED AVERAGE FUTURE MONTHLY EXPENSES:

3. Net Employee Payroll (Other Than Debtor):

4. Payroll Taxes:

5. Unemployment Taxes:

6. Worker's Compensation:

7. Other Taxes:

8. Inventory Purchases (including raw materials):

9. Purchase of Feed/Fertilizer/Seed/Spray:

10. Rent (other than debtor's principal residence):

11. Utilities:

12. Office Expenses and Supplies:

13. Repairs and Maintenance:

14. Vehicle Expenses:

15. Travel and Entertainment:

16. Equipment Rental and Leases:

17. Legal/Accounting/Other Professional Fees:

18. Insurance:

19. Employee Benefits (e.g., pension, medical, etc.):

20. Payments to be Made Directly by Debtor to Secured Creditors for

Pre-Petition Business Debts (Specify):

$35,400.00

$2,950.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$85.00

$0.00

$0.00

$0.00

$0.00

$0.00

None

Self employed d/b/a EK Company (construction and remodeling)

21. Other (Specify):

Protective Clotthing $25.00

Materials $420.00

22. Total Monthly Expenses (Add items 3 - 21)

PART D - ESTIMATED AVERAGE NET MONTHLY INCOME:

23. AVERAGE NET MONTHLY INCOME (Subtract item 22 from item 2):

$530.00

$2,420.00

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 19 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re Case No. Chapter 7

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

Kolodziejczyk, Ernest

NAME OF SCHEDULE ATTACHED

(YES/NO)

NO. OF ASSETS LIABILITIES OTHER

A - Real Property

B - Personal Property

C - Property Claimed

F - Creditors Holding Unsecured

G - Executory Contracts and

H - Codebtors

I - Current Income of

J - Current Expenditures of

as Exempt

Nonpriority Claims

Unexpired Leases

Individual Debtor(s)

Individual Debtor(s)

SHEETS

1

4

1

1

1

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

TOTAL $202,652.00

1

1

2

$9,838.00

$200,000.00

$10,740.00

$210,740.00

$3,550.00

$3,540.00

SUMMARY OF SCHEDULES

14

D - Creditors Holding

Secured Claims

Yes 1 $192,814.00

E - Creditors Holding Unsecured

Priority Claims Yes 1 $0.00

(Total of Claims on Schedule E)

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 also must complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under

chapter 7, 11, or 13.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 20 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re Case No. Chapter 7

Form 6 - Statistical Summary (12/07)

Kolodziejczyk, Ernest

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

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

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

Type of Liability Amount

Domestic Support Obligations (from Schedule E)

Student Loan Obligations (from Schedule F)

TOTAL

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

 ̈ 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.

State the following:

Average Income (from Schedule I, Line 16)

Average Expenses (from Schedule J, Line 18)

State the following:

4. Total from Schedule F

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

$3,550.00

$3,540.00

$660.00

$0.00

$0.00

$9,838.00

$10,498.00

$2,420.00

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)

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)

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.

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

Line 11; OR, Form 22C Line 20)

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

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 21 of 31
In re Case No.

DECLARATION CONCERNING DEBTOR'S SCHEDULES

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

(if known)

Kolodziejczyk, Ernest

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

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

Date Signature

Kolodziejczyk, Ernest

Date Signature

16

01/05/2010 /s/ Kolodziejczyk, Ernest

[If joint case, both spouses must sign.]

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.

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 22 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re: Case No.

STATEMENT OF FINANCIAL AFFAIRS

B7 (Official Form 7) (12/07)

(if known)

Kolodziejczyk, Ernest

None 1. Income from employment or operation of business

AMOUNT SOURCE

 ̈

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.)

$200.00 Business Income - 2010 to date

$35,400.00 Business Income - 2009

$37,962.00 Business Income - 2008

None 2. Income other than from employment or operation of business

þ

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.)

None

3. Payments to creditors

þ

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 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 credit 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.)

None þ

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 credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments and other 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.)

None þ

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.)

None 4. Suits and administrative proceedings, executions, garnishments and attachments

CASE NUMBER NATURE OF PROCEEDING AND LOCATION DISPOSITION

CAPTION OF SUIT AND COURT OR AGENCY STATUS OR

 ̈

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.)

US Bank NA v. Ernest Mortgage Foreclosure Circuit Court of Cook Pending

Kolodziejczyk, et. al. County, Chancery

2009-CH-18229 Division

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 23 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re: Case No.

STATEMENT OF FINANCIAL AFFAIRS

Continuation Sheet No. 1

B7 (Official Form 7) (12/07) - Cont.

(if known)

Kolodziejczyk, Ernest

None þ

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.)

None 5. Repossessions, foreclosures and returns

þ

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.)

None 6. Assignments and receiverships

þ

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.)

None þ

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.)

None 7. Gifts

þ

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.)

None 8. Losses

þ

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.)

None 9. Payments related to debt counseling or bankruptcy

NAME AND ADDRESS OF PAYEE

NAME OF PAYER IF

OTHER THAN DEBTOR AND VALUE OF PROPERTY

DATE OF PAYMENT, AMOUNT OF MONEY OR DESCRIPTION

 ̈

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 a petition in bankruptcy within one year immediately preceding the commencement of this case.

M. Eryk Nowicki 11/27/2009 $1200

Attorney at Law

250 Parkway Dr., #150

Lincolnshire, IL 60089

GreenPath, Inc. 11/30/2009 $50

38505 Country Club Drive

Suite 210

Farmington Hills, MI 48331

Case 10-00252 Doc 1 Filed 01/05/10 Entered 01/05/10 21:02:04 Desc Main

 Document Page 24 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re: Case No.

STATEMENT OF FINANCIAL AFFAIRS

Continuation Sheet No. 2

B7 (Official Form 7) (12/07) - Cont.

(if known)

Kolodziejczyk, Ernest

None 10. Other transfers

þ

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.)

None þ

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.

None 11. Closed financial accounts

þ

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.)

None 12. Safe deposit boxes

þ

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.)

None 13. Setoffs

þ

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.)

None 14. Property held for another person

þ

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

None 15. Prior address of debtor

þ

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.

None 16. Spouses and Former Spouses

þ

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.

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UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re: Case No.

STATEMENT OF FINANCIAL AFFAIRS

Continuation Sheet No. 3

B7 (Official Form 7) (12/07) - Cont.

(if known)

Kolodziejczyk, Ernest

None

17. Environmental Information

þ

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:

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 þ

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.

None þ

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.

None 18. Nature, location and name of business

þ

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.

None þ

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.

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UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

In re: Case No.

STATEMENT OF FINANCIAL AFFAIRS

Continuation Sheet No. 4

B7 (Official Form 7) (12/07) - Cont.

(if known)

Kolodziejczyk, Ernest

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

Date

Date Signature

Kolodziejczyk, Ernest

01/05/2010 Signature /s/ Kolodziejczyk, Ernest

of Debtor

of Joint Debtor

(if any)

attachments thereto and that they are true and correct.

[If completed by an individual or individual and spouse]

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

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UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

IN RE: CASE NO

CHAPTER 7

CHAPTER 7 INDIVIDUAL DEBTOR'S STATEMENT OF INTENTION

B 8 (Official Form 8) (12/08)

Kolodziejczyk, Ernest

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.)

 ̈

 ̈

þ

Property No. Creditor's Name: Describe Property Securing Debt:

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

 ̈

 ̈

 ̈ þ

1

TOYOTA MOTOR CREDIT 2003 Toyota Highlander

1111 W 22ND ST STE 420

OAK BROOK, IL 60523

xxxxxxxxxxxxx0001

þ

 ̈

 ̈

Property No. Creditor's Name: Describe Property Securing Debt:

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

þ

 ̈

 ̈ þ

2

US BANK HOME MORTGAGE 1905 Parkside Dr., Apt. 2D, Park Ridge, IL 60068

4801 FREDERICA ST

OWENSBORO, KY 42301

xxxxxxxxx6002

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 Document Page 28 of 31
UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

IN RE: CASE NO

CHAPTER 7

CHAPTER 7 INDIVIDUAL DEBTOR'S STATEMENT OF INTENTION

Continuation Sheet No. 1

B 8 (Official Form 8) (12/08)

Kolodziejczyk, Ernest

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. Lessor's Name: Describe Leased Property: Lease will be Assumed pursuant to

11 U.S.C. § 365(p)(2):

YES NO  ̈

1

None

Date

Date

Signature

Signature

01/05/2010 /s/ Kolodziejczyk, Ernest

Kolodziejczyk, Ernest

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.

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UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

IN RE: CASE NO

CHAPTER 7

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR

Kolodziejczyk, Ernest

1.

For legal services, I have agreed to accept:

Prior to the filing of this statement I have received:

Balance Due:

$1,200.00

$0.00

$1,200.00

Pursuant to 11 U.S.C. § 329(a) and Fed. Bankr. P. 2016(b), I certify that I am the attorney for the above-named debtor(s) 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:

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

þ Debtor  ̈ Other (specify)

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

þ Debtor  ̈ Other (specify)

4. þ

 ̈

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 another 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, statements 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;

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

CERTIFICATION

Date

01/05/2010 /s/ M. Eryk Nowicki

M. Eryk Nowicki

/s/ Kolodziejczyk, Ernest

Kolodziejczyk, Ernest

Bar No. 6286984

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.

M. Eryk Nowicki & Associates, P.C. 250 Parkway Drive, Suite 150

Lincolnshire, IL 60069

Email: menowicki@menolaw.com

Phone: (847) 325-5020 / Fax: (847) 325-0957

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UNITED STATES BANKRUPTCY COURT

NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION (CHICAGO)

IN RE: CASE NO

CHAPTER 7

VERIFICATION OF CREDITOR MATRIX

Kolodziejczyk, Ernest

The above named Debtor hereby verifies that the attached list of creditors is true and correct to the best of his/her

knowledge.

Date

Date

Signature

Signature

01/05/2010 /s/ Kolodziejczyk, Ernest

Kolodziejczyk, Ernest

250 Parkway Drive, Suite 150

Lincolnshire, IL 60069

Email: menowicki@menolaw.com

6286984

(847) 325-5020

M. Eryk Nowicki

M. Eryk Nowicki & Associates, P.C.

/s/ M. Eryk Nowicki

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