}bk1{Form .Vluntary Peiton}bk{

B1 (Official Form 1)(04/13)

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)/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.)

Chapter 15 Debtors

Country of debtor's center of main interests:

Each country in which a foreign proceeding

by, regarding, or against debtor is pending:

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 Chapter 11 Debtors one box:

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 $2,490,925 (amount subject to adjustment on 4/01/16 and every three years thereafter).

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

District of New Hampshire

Ealy, Kenneth

xxx-xx-6118

33 Hubbard Street

Manchester, NH

Hillsborough

03104

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 1 of 48
B1 (Official Form 1)(04/13) 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 with 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)

Ealy, Kenneth

- None -

- None -

/s/ William M. Gillen August 31, 2013

William M. Gillen

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 2 of 48
B1 (Official Form 1)(04/13) 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.

Ealy, Kenneth

/s/ Kenneth Ealy

Kenneth Ealy

August 31, 2013

/s/ William M. Gillen

William M. Gillen 15140

The Law Offices of William M. Gillen, P.C.

1361 Elm Street, Suite 204

Manchester, NH 03101-1323

Email: bmgillen@juno.com

(603) 625-5333 Fax: (603) 625-5232

August 31, 2013

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 3 of 48
B 1D (Official Form 1, Exhibit D) (12/09)

United States Bankruptcy Court

District of New Hampshire

In re Kenneth Ealy 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.

 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.]

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

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

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

financial responsibilities.);

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

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

through the Internet.);

 Active military duty in a military combat zone.

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

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

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

Signature of Debtor: /s/ Kenneth Ealy

Kenneth Ealy

Date: August 31, 2013

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B7 (Official Form 7) (04/13)

United States Bankruptcy Court

District of New Hampshire

In re Kenneth Ealy 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 persons in control of a corporate debtor and

their relatives; affiliates of the debtor and insiders of such affiliates; and any managing agent of the debtor. 11 U.S.C. § 101(2), (31).

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

$19,666.18 FY 2013, Wages, UnitedHealth Group, Jan 1 to Jul 19, $19,666.18 (Debtor)

$21,655.25 FY 2013, Wages, Brady Sullivan, Jan 1 to Jul 18, $21,655.25 (Non-filing spouse's

income, just married June 2013.)

$31,508.18 FY 2012, Wages, $31,508.18 (Debtor's wages only, before marriage)

$38,303.00 FY 2011, Wages, $38,303.00 (Debtor's wages only, before marriage)

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 6 of 48
B7 (Official Form 7) (04/13)

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None



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

$583.00 FY 2012, Federal tax refund, $583.00

$476.00 FY 2011, Federal tax refund, $476.00

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 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.)

NAME AND ADDRESS

OF CREDITOR

DATES OF

PAYMENTS AMOUNT PAID

AMOUNT STILL

OWING

Lease and Rental Management Corp.

Attn: Bankruptcy Dept.

dba Auto Use

45 Haverhill Street

Andover, MA 01810-1414

Weekly

(Auto Payment)

$62.87 per week

2007 Chrysler PT Cruiser

$816.66 $3,524.34

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 $6,225*. 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.)

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

 * Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

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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

None



5. Repossessions, foreclosures and returns

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

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

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

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

NAME AND ADDRESS OF

CREDITOR OR SELLER

DATE OF REPOSSESSION,

FORECLOSURE SALE,

TRANSFER OR RETURN

DESCRIPTION AND VALUE OF

PROPERTY

None



6. Assignments and receiverships

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

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

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

NAME AND ADDRESS OF ASSIGNEE

DATE OF

ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT

None



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

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

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

filed.)

NAME AND ADDRESS

OF CUSTODIAN

NAME AND LOCATION

OF COURT

CASE TITLE & NUMBER

DATE OF

ORDER

DESCRIPTION AND VALUE OF

PROPERTY

None



7. Gifts

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

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

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

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

NAME AND ADDRESS OF

PERSON OR ORGANIZATION

RELATIONSHIP TO

DEBTOR, IF ANY DATE OF GIFT

DESCRIPTION AND

VALUE OF GIFT

Unitarian Universalist Church

669 Union Street

Manchester, NH 03104

Debtor church regular gift to

church over time

Debtor and his spouse, David

Kjellander, estimate that they

have contributed

approximately $1,400.00 to

their church since the

beginning of this year.

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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B7 (Official Form 7) (04/13)

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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 PAYER IF OTHER

THAN DEBTOR

AMOUNT OF MONEY

OR DESCRIPTION AND VALUE

OF PROPERTY

Law Office of William M. Gillen, P.C.

1361 Elm Street, Suite 204

Manchester, NH 03101

July 2013 $1,694.00

Black Hills Children's Ranch, Inc.

1644 Concourse Drive

Rapid City, SD 57703

August 28, 2013 $35.00, Credit Counseling

Certificate,

00437-NH-CC-021725480

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

Timothy Holbrook

238 E. Main Street

Georgetown, MA 01833

 Ordinary Course Transfer

Apr 2013 Debtor transferred his interest in a 2005 Hyundai

Sonata to his former partner. No consideration

received.

None



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

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

NAME OF TRUST OR OTHER

DEVICE DATE(S) OF

TRANSFER(S)

AMOUNT OF MONEY OR DESCRIPTION AND

VALUE OF PROPERTY OR DEBTOR'S INTEREST

IN PROPERTY

None



11. Closed financial accounts

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

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

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

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

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

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

NAME AND ADDRESS OF INSTITUTION

TYPE OF ACCOUNT, LAST FOUR

DIGITS OF ACCOUNT NUMBER,

AND AMOUNT OF FINAL BALANCE

AMOUNT AND DATE OF SALE

OR CLOSING

None



12. Safe deposit boxes

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

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

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

filed.)

NAME AND ADDRESS OF BANK

OR OTHER DEPOSITORY

NAMES AND ADDRESSES

OF THOSE WITH ACCESS

TO BOX OR DEPOSITORY

DESCRIPTION

OF CONTENTS

DATE OF TRANSFER OR

SURRENDER, IF ANY

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B7 (Official Form 7) (04/13)

5

None



13. Setoffs

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

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

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

NAME AND ADDRESS OF CREDITOR DATE OF SETOFF AMOUNT OF SETOFF

None



14. Property held for another person

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

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

None



15. Prior address of debtor

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

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

address of either spouse.

ADDRESS NAME USED DATES OF OCCUPANCY

396 Laurel Street, Manchester, NH 03103 Kenneth Ealy Jul 2011 to Nov 2012

199 Manchester Street, Manchester, NH 03103 Kenneth Ealy Oct 2010 - Jul 2011

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

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B7 (Official Form 7) (04/13)

6

None



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

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

docket number.

NAME AND ADDRESS OF

GOVERNMENTAL UNIT DOCKET NUMBER STATUS OR DISPOSITION

None



18 . Nature, location and name of business

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

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

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

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

within six years immediately preceding the commencement of this case.

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

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

years immediately preceding the commencement of this case.

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

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

years immediately preceding the commencement of this case.

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.

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B7 (Official Form 7) (04/13)

7

NAME AND ADDRESS DATE ISSUED

None



20. Inventories

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

and the dollar amount and basis of each inventory.

DATE OF INVENTORY INVENTORY SUPERVISOR

DOLLAR AMOUNT OF INVENTORY

(Specify cost, market or other basis)

None



b. List the name and address of the person having possession of the records of each of the 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)

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 12 of 48
B7 (Official Form 7) (04/13)

8

None



25. Pension Funds.

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

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

NAME OF PENSION FUND TAXPAYER IDENTIFICATION NUMBER (EIN)

* * * * * *

DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR

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

and that they are true and correct.

Date August 31, 2013 Signature /s/ Kenneth Ealy

Kenneth Ealy

Debtor

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

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 13 of 48
}bk1{Schedul A-ReaPropty}bk{

In re

,

Debtor

Kenneth Ealy 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

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0

None

Sub-Total > 0.00 (Total of this page)

Total >

(Report also on Summary of Schedules)

0.00

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 14 of 48
}bk1{Schedul B-Personal Prpety}bk{

In re

,

Debtor

Kenneth Ealy 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

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2

1. Cash on hand Cash on hand, approx. $25.00 - 25.00

2. Checking, savings or other financial

accounts, certificates of deposit, or

shares in banks, savings and loan,

thrift, building and loan, and

homestead associations, or credit

unions, brokerage houses, or

cooperatives.

Bssic Checking, Triangle Credit Union, Acct#

ending in 40-2, $64.65

- 64.65

3. Security deposits with public

utilities, telephone companies,

landlords, and others.

X

4. Household goods and furnishings,

including audio, video, and

computer equipment.

Basic furniture and consumer electronics, $200.00 - 200.00

5. Books, pictures and other art

objects, antiques, stamp, coin,

record, tape, compact disc, and

other collections or collectibles.

CDs and DVDs, along with some basic personal

effects, $50.00

- 50.00

6. Wearing apparel. Basic ordinary clothing, $100.00 - 100.00

7. Furs and jewelry. 1 gold wedding band, $50.00 - 50.00

8. Firearms and sports, photographic,

and other hobby equipment.

Basic video camera, 1 I-phone 4s, 1 consumer

grade treadmill, $250.00

- 250.00

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)

739.65

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 15 of 48
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)

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In re

,

Debtor

Kenneth Ealy 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.

UnitedHealth Group

401(k) Savings plan

Participant: Kenneth Ealy

Value as of 08/08/2013, $3,150.73

- 3,150.73

13. Stock and interests in incorporated

and unincorporated businesses.

Itemize.

X

14. Interests in partnerships or joint

ventures. Itemize.

X

15. Government and corporate bonds

and other negotiable and

nonnegotiable instruments.

X

16. Accounts receivable. X

17. Alimony, maintenance, support, and

property settlements to which the

debtor is or may be entitled. Give

particulars.

X

18. Other liquidated debts owed to debtor

including tax refunds. Give particulars.

X

19. Equitable or future interests, life

estates, and rights or powers

exercisable for the benefit of the

debtor other than those listed in

Schedule A - Real Property.

X

20. Contingent and noncontingent

interests in estate of a decedent,

death benefit plan, life insurance

policy, or trust.

X

21. Other contingent and unliquidated

claims of every nature, including

tax refunds, counterclaims of the

debtor, and rights to setoff claims.

Give estimated value of each.

X

Sub-Total >

(Total of this page)

3,150.73

1 2

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 16 of 48
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)

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In re

,

Debtor

Kenneth Ealy 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 Chrysler PT Cruiser with 98,000 miles (in fair

condition)

- 2,328.00

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. 1 dog, "Lucky" - 0.00

32. Crops - growing or harvested. Give

particulars.

X

33. Farming equipment and

implements.

X

34. Farm supplies, chemicals, and feed. X

35. Other personal property of any kind

not already listed. Itemize.

X

Sub-Total >

(Total of this page)

2,328.00

2 2

Total >

(Report also on Summary of Schedules)

6,218.38

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 17 of 48
}bk1{Schedul C-Propety Claimed sExpt}bk{

In re

,

Debtor

Kenneth Ealy Case No.

B6C (Official Form 6C) (4/13)

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

(Check one box) $155,675. (Amount subject to adjustment on 4/1/16, and every three years thereafter

with respect to cases commenced on or after the date of adjustment.) 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

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0

Cash on Hand

Cash on hand, approx. $25.00 11 U.S.C. § 522(d)(5) 25.00 25.00

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

Bssic Checking, Triangle Credit Union, Acct#

ending in 40-2, $64.65

11 U.S.C. § 522(d)(5) 64.65 64.65

Household Goods and Furnishings

Basic furniture and consumer electronics,

$200.00

11 U.S.C. § 522(d)(3) 200.00 200.00

Books, Pictures and Other Art Objects; Collectibles

CDs and DVDs, along with some basic personal

effects, $50.00

11 U.S.C. § 522(d)(5) 50.00 50.00

Wearing Apparel

Basic ordinary clothing, $100.00 11 U.S.C. § 522(d)(5) 100.00 100.00

Furs and Jewelry

1 gold wedding band, $50.00 11 U.S.C. § 522(d)(4) 50.00 50.00

Firearms and Sports, Photographic and Other Hobby Equipment

Basic video camera, 1 I-phone 4s, 1 consumer

grade treadmill, $250.00

11 U.S.C. § 522(d)(5) 250.00 250.00

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

UnitedHealth Group

401(k) Savings plan

Participant: Kenneth Ealy

Value as of 08/08/2013, $3,150.73

11 U.S.C. § 522(d)(12) 3,150.73 3,150.73

Total: 3,890.38 3,890.38

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 18 of 48
}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

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 

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

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In re

,

Debtor

Kenneth Ealy Case No.

0

xxxxxxx5218 10/27/2010

Purchase Money Security Interest

2007 Chrysler PT Cruiser with 98,000

miles (in fair condition)

Lease and Rental Management Corp.

Attn: Bankruptcy Dept.

dba Auto Use

45 Haverhill Street

Andover, MA 01810-1414

-

2,328.00 3,524.34 1,196.34

3,524.34 1,196.34

Total 3,524.34 1,196.34

(Report on Summary of Schedules)

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 19 of 48
}bk1{Schedul E-Creditos HldingUsecurd PiotyClams}bk{

B6E (Official Form 6E) (4/13)

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 $12,475* 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 $6,150* 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 $2,775* 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).

* Amount subject to adjustment on 4/01/16, 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

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In re

,

Debtor

Kenneth Ealy Case No.

1

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 20 of 48
B6E (Official Form 6E) (4/13) - Cont.

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Husband, Wife, Joint, or Community

H

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CREDITOR'S NAME,

AND MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions.)

DATE CLAIM WAS INCURRED AMOUNT

AND CONSIDERATION FOR CLAIM OF CLAIM

Account No.

Account No.

Account No.

Account No.

Account No.

Subtotal Sheet _____ of _____ continuation sheets attached to

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

TYPE OF PRIORITY

AMOUNT NOT

ENTITLED TO

PRIORITY, IF ANY

AMOUNT

ENTITLED TO

PRIORITY

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

(Continuation Sheet)

Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtor

Kenneth Ealy Case No.

Taxes and Certain Other Debts

Owed to Governmental Units

6118 2010

Taxes Internal Revenue Service

80 Daniel Street

PO Box 9502

Portsmouth, NH 03802 -

50.77 50.77

0.00

50.77 50.77

1 1 0.00

50.77 50.77

Total 0.00

(Report on Summary of Schedules)

Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 21 of 48
}bk1{Schedul F-Creditos HldingUsecurd Nonpirty Claims}bk{

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CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

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:30730-130801

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtor

Kenneth Ealy Case No.

2

Multiple Accounts Current balance as of 06/13, $1,946.05

Debt Collection

Re: Southern New Hampshire HE

Acct# ending in 5796, $97.79

Acct# ending in 5794, $1,779.26

CBHV

Attn: Collection Dept

PO Box 831

Newburgh, NY 12551-0831

-

1,946.05

xxxxxxxxxx xxx xxxxxx9159 09/01/2006

Estimated Mortgage Deficiency

Re: 4 Forest Hills Drive, Nashua, NH 03060

Foreclosure Deed, BK 8083 PG 1005

Hillsborough County Registry of Deeds

Chase

Attn: Bankruptcy Dept.

PO Box 24696

Columbus, OH 43224-0696

-

129,856.19

xxxx5946 Current balance as of 07/13, $359.00

Debt Collection

Convergent Outsourcing Re: Northeast Utilities Co. Inc.

Attn: Collection Dept.

800 SW 39th Street

Renton, WA 98057-4975

-

359.00

Multiple Accounts Current balance as of 09/10, $69.00

Debt Collection

Re: Hospitalist

Greater Nashua ER Physicians

Electromedical Associates

Attn: Collection Dept.

131 State Route 101A

Amherst, NH 03031-2270

-

69.00

132,230.24

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 22 of 48
B6F (Official Form 6F) (12/07) - Cont.

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CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Account No.

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

Creditors Holding Unsecured Nonpriority Claims (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

(Continuation Sheet)

Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtor

Kenneth Ealy Case No.

xxx0100 Current balance as of 06/13, $3,851.06

Medical services

Elliot Health System

Attn: Patient Accounts

PO Box 1238

Salem, NH 03079-1238

-

3,851.06

xxxx0350 Current balance as of 07/13, $156.00

Debt Collection

Focus Receivables Management Re: Comcast

Attn: Collection Dept.

1130 Northchase Parkway SE

Marietta, GA 30067-6420

-

156.00

6118 2006

Tax interest FY 2006

Internal Revenue Service

80 Daniel Street

PO Box 9502

Portsmouth, NH 03802

-

797.33

xxxxx5776 Current balance as of 07/13, $975.00

Debt Buyer Account

Lvnv Funding LLC Original creditor: Capital One Bank

Attn: Collection Dept.

PO Box 10497

Greenville, SC 29603-0497

-

975.00

Multiple Accounts Current balance as of 07/13, $731.09

Debt Collection

Re: St. Joseph Hospital

SJ Phys DBA Nashua Medical Group

NH / NE Credit Services, Inc.

Attn: Collection Dept.

41 Simon Street, PO Box 746

Nashua, NH 03061-0746

-

731.09

6,510.48

1 2

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 23 of 48
B6F (Official Form 6F) (12/07) - Cont.

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CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Account No.

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

Creditors Holding Unsecured Nonpriority Claims (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

(Continuation Sheet)

Software Copyright (c) 1996-2013 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtor

Kenneth Ealy Case No.

xxxxxxx1879 11/10/2001

Student Loans

U.S. Department of Education/Glelsi

Attn: Student Loans

PO Box 7860

Madison, WI 53707-7860

-

28,049.79

28,049.79

2 2

166,790.51

Total

(Report on Summary of Schedules)

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 24 of 48
}bk1{Schedul G-Executory Cnactsd Unexpird Leas}bk{

In re

,

Debtor

Kenneth Ealy 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

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0

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 25 of 48
}bk1{Schedul H-Codebtrs}k{

In re

,

Debtor

Kenneth Ealy 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

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0

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 26 of 48
B6I (Official Form 6I) (12/07)

In re Kenneth Ealy 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

Married

RELATIONSHIP(S):

None.

AGE(S):

Employment: DEBTOR SPOUSE

Occupation Claims Auditor Maintenance Tech

Name of Employer UnitedHealth Group Brady Sullivan

How long employed 14 yrs. 1 year

Address of Employer PO Box 1459

Minneapolis, MN 55440-1459

670 North Commercial Street

Manchester, NH 03101

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) $ 2,828.80 $ 3,293.33

2. Estimate monthly overtime $ 0.00 $ 0.00

3. SUBTOTAL $ 2,828.80 $ 3,293.33

4. LESS PAYROLL DEDUCTIONS

a. Payroll taxes and social security $ 494.93 $ 574.56

b. Insurance $ 87.66 $ 40.65

c. Union dues $ 0.00 $ 0.00

d. Other (Specify): 401(k) $ 84.87 $ 0.00

$ 0.00 $ 0.00

5. SUBTOTAL OF PAYROLL DEDUCTIONS $ 667.46 $ 615.21

6. TOTAL NET MONTHLY TAKE HOME PAY $ 2,161.34 $ 2,678.12

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

8. Income from real property $ 0.00 $ 1,500.00

9. Interest and dividends $ 0.00 $ 0.00

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

dependents listed above $ 0.00 $ 0.00

11. Social security or government assistance

(Specify): $ 0.00 $ 0.00

$ 0.00 $ 0.00

12. Pension or retirement income $ 0.00 $ 0.00

13. Other monthly income

(Specify): $ 0.00 $ 0.00

$ 0.00 $ 0.00

14. SUBTOTAL OF LINES 7 THROUGH 13 $ 0.00 $ 1,500.00

15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $ 2,161.34 $ 4,178.12

16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $ 6,339.46

(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:

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 27 of 48
B6J (Official Form 6J) (12/07)

In re Kenneth Ealy 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) $ 0.00

 a. Are real estate taxes included? Yes No X 

 b. Is property insurance included? Yes No X 

2. Utilities: a. Electricity and heating fuel $ 450.00

b. Water and sewer $ 0.00

c. Telephone $ 0.00

d. Other See Detailed Expense Attachment $ 270.00

3. Home maintenance (repairs and upkeep) $ 200.00

4. Food $ 650.00

5. Clothing $ 100.00

6. Laundry and dry cleaning $ 50.00

7. Medical and dental expenses $ 85.00

8. Transportation (not including car payments) $ 600.00

9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 125.00

10. Charitable contributions $ 175.00

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

a. Homeowner's or renter's $ 70.00

b. Life $ 0.00

c. Health $ 0.00

d. Auto $ 200.00

e. Other $ 0.00

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

(Specify) $ 0.00

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

plan)

a. Auto $ 272.22

b. Other See Detailed Expense Attachment $ 2,845.00

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 Personal care items $ 70.00

 Other Pet care and vet expenses $ 80.00

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.)

$ 6,242.22

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

following the filing of this document:

Debtor was married June 1, 2013. Debtor and his spouse, David Kjellander have an

arrangement where all finances are kept separate.

20. STATEMENT OF MONTHLY NET INCOME

a. Average monthly income from Line 15 of Schedule I $ 6,339.46

b. Average monthly expenses from Line 18 above $ 6,242.22

c. Monthly net income (a. minus b.) $ 97.24

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 28 of 48
B6J (Official Form 6J) (12/07)

In re Kenneth Ealy Case No.

Debtor(s)

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Detailed Expense Attachment

Other Utility Expenditures:

Cable TV/Internet/Phone $ 130.00

Cellphone $ 140.00

Total Other Utility Expenditures $ 270.00

Other Installment Payments:

Debtors student loan $ 120.00

Spouse's mortgage payment on investment prop. $ 1,500.00

Spouse's prop taxes & ins on investment property $ 425.00

Spouse's water & utility expenses on invest prop. $ 75.00

Spouse's upkeep on investment property $ 200.00

Spouse's prop taxes on homestead prop $ 525.00

Total Other Installment Payments $ 2,845.00

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 29 of 48
B6 Declaration (Official Form 6 - Declaration). (12/07)

United States Bankruptcy Court

District of New Hampshire

In re Kenneth Ealy 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 18 

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

Date August 31, 2013 Signature /s/ Kenneth Ealy

Kenneth Ealy

Debtor

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

18 U.S.C. §§ 152 and 3571.

Software Copyright (c) 1996-2013 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 30 of 48
B 201A (Form 201A) (11/12)

UNITED STATES BANKRUPTCY COURT

DISTRICT OF NEW HAMPSHIRE

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, $46 administrative fee, $15 trustee surcharge: Total Fee $306)

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,

$46 administrative fee: Total fee $281)

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

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

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 ($1,167 filing fee, $46 administrative fee: Total fee $1,213)

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, $46 administrative fee: Total fee $246)

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.

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 32 of 48
B 201B (Form 201B) (12/09)

United States Bankruptcy Court

District of New Hampshire

In re Kenneth Ealy 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.

Kenneth Ealy X /s/ Kenneth Ealy August 31, 2013

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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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 33 of 48
United States Bankruptcy Court

District of New Hampshire

In re Kenneth Ealy Case No.

Debtor(s) Chapter 7

VERIFICATION OF CREDITOR MATRIX

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

Date: August 31, 2013 /s/ Kenneth Ealy

Kenneth Ealy

Signature of Debtor

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 34 of 48
}bk1{Credito AresMatix}bk{

Capital One

Attn: Bankruptcy Dept.

PO Box 30285

Salt Lake City, UT 84130-0285

CBHV

Attn: Collection Dept

PO Box 831

Newburgh, NY 12551-0831

Chase

Attn: Bankruptcy Dept.

PO Box 24696

Columbus, OH 43224-0696

Chase Home Finance

Attn: Bankruptcy Dept.

1500 North 19th Street

Monroe, LA 71201

Chase Manhattan Mortgage Corp.

Attn: Bankruptcy Dept.

10790 Rancho Bernardo Road

San Diego, CA 92127-5705

Comcast

Attn: Consumer Bankruptcy

PO Box 1577

Newark, NJ 07101-1577

Convergent Outsourcing Inc.

Attn: Collection Dept.

800 SW 39th Street

Renton, WA 98057-4975

Convergent Outsourcing Inc.

Attn: Collection Dept.

10750 Hammerly Blvd. #200

Houston, TX 77043

Electromedical Associates

Attn: Collection Dept.

131 State Route 101A

Amherst, NH 03031-2270

Elliot Health System

Attn: Patient Accounts

PO Box 1238

Salem, NH 03079-1238

Focus Receivables Management

Attn: Collection Dept.

1130 Northchase Parkway SE

Marietta, GA 30067-6420

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 35 of 48
Greater Nashua Emergency Physicians

Attn: Patient Accounts

172 Kinsley Street

Nashua, NH 03060-3648

Harmon Law Offices, P.C.

150 California Street

Newton, MA 02458

Internal Revenue Service

80 Daniel Street

PO Box 9502

Portsmouth, NH 03802

Joseph M. Annutto, Esq.

Law Office of Joseph M. Annutto

369 Main Street

Nashua, NH 03060

LCS Financial Services Corp.

Attn: Bankruptcy Dept.

6782 S. Potomac Street, Suite 100

Englewood, CO 80112-3915

Lease and Rental Management Corp.

Attn: Bankruptcy Dept.

dba Auto Use

45 Haverhill Street

Andover, MA 01810-1414

Lvnv Funding LLC

Attn: Collection Dept.

PO Box 10497

Greenville, SC 29603-0497

Nashua Medical Group

Attn: Patient Accounts

173 Daniel Webster Hwy

Nashua, NH 03060

NH / NE Credit Services, Inc.

Attn: Collection Dept.

41 Simon Street, PO Box 746

Nashua, NH 03061-0746

Northeast Utilities Corp. Ofc.

Attn: Bankruptcy Dept.

Northeast Utilities System

One Federal Street Building 111-4

Springfield, MA 01105

Southern New Hampshire Health System

Attn: Patient Accounts

8 Prospect Street

Nashua, NH 03060

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 36 of 48
Southern New Hampshire Medical Center

Attn: Patient Accounts

8 Prospect Street, PO Box 2014

Nashua, NH 03061

St. Joseph Hospital

Attn: Patient Accounts

172 Kinsley Street

Nashua, NH 03060-3648

Steven M. Notinger, Esq.

Two Capital Plaza

PO Box 1137

Concord, NH 03302-1137

U.S. Department of Education/Glelsi

Attn: Student Loans

PO Box 7860

Madison, WI 53707-7860

WMC Mortgage Corp.

Attn: Bankruptcy Dept.

3100 Thornton Avenue

Burbank, CA 91504-3183

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 37 of 48
United States Bankruptcy Court

District of New Hampshire

In re Kenneth Ealy 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 $ 1,694.00

Prior to the filing of this statement I have received $ 1,694.00

Balance Due $ 0.00

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

 Debtor  Other (specify):

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

reaffirmation agreements and applications as needed; 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.

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: August 31, 2013 /s/ William M. Gillen

William M. Gillen

The Law Offices of William M. Gillen, P.C.

1361 Elm Street, Suite 204

Manchester, NH 03101-1323

(603) 625-5333 Fax: (603) 625-5232

bmgillen@juno.com

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 38 of 48
B8 (Form 8) (12/08)

United States Bankruptcy Court

District of New Hampshire

In re Kenneth Ealy 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:

Lease and Rental Management Corp.

Describe Property Securing Debt:

2007 Chrysler PT Cruiser with 98,000 miles (in fair condition)

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 Debtor will retain collateral and continue to make regular payments. (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 August 31, 2013 Signature /s/ Kenneth Ealy

Kenneth Ealy

Debtor

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 39 of 48
}bk1{Form 6.Suary ofScheduls}bk{

United States Bankruptcy Court

District of New Hampshire

In re

,

Debtor

Case No.

Chapter 7

Kenneth Ealy

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)

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Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

1 0.00

3 6,218.38

1

1 3,524.34

2 50.77

3 166,790.51

1

1

1 6,339.46

2 6,242.22

16

6,218.38

170,365.62

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 40 of 48
}bk1{Form 6.Staiscl Sumaryof CetainLbles andRlte Da}bk{

United States Bankruptcy Court

District of New Hampshire

In re

,

Debtor

Case No.

Chapter 7

Kenneth Ealy

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)

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0.00

50.77

0.00

28,049.79

0.00

0.00

28,100.56

6,339.46

6,242.22

7,595.08

1,196.34

50.77

0.00

166,790.51

167,986.85

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 41 of 48
B22A (Official Form 22A) (Chapter 7) (04/13)

In re Kenneth Ealy

According to the information required to be entered on this statement

(check one box as directed in Part I, III, or VI of this statement):

 The presumption arises.

 The presumption does not arise.

 The presumption is temporarily inapplicable.

Debtor(s)

Case Number:

(If known)

CHAPTER 7 STATEMENT OF CURRENT MONTHLY INCOME

AND MEANS-TEST CALCULATION

In addition to Schedules I and J, this statement must be completed by every individual chapter 7 debtor. If none of the exclusions in Part I applies,

joint debtors may complete one statement only. If any of the exclusions in Part I applies, joint debtors should complete separate statements if they

believe this is required by § 707(b)(2)(C).

Part I. MILITARY AND NON-CONSUMER DEBTORS

1A

Disabled Veterans. If you are a disabled veteran described in the Declaration in this Part IA, (1) check the box at the beginning of the

Declaration, (2) check the box for "The presumption does not arise" at the top of this statement, and (3) complete the verification in Part

VIII. Do not complete any of the remaining parts of this statement.

 Declaration of Disabled Veteran. By checking this box, I declare under penalty of perjury that I am a disabled veteran (as defined in

38 U.S.C. § 3741(1)) whose indebtedness occurred primarily during a period in which I was on active duty (as defined in 10 U.S.C. §

101(d)(1)) or while I was performing a homeland defense activity (as defined in 32 U.S.C. §901(1)).

1B

Non-consumer Debtors. If your debts are not primarily consumer debts, check the box below and complete the verification in Part VIII.

Do not complete any of the remaining parts of this statement.

 Declaration of non-consumer debts. By checking this box, I declare that my debts are not primarily consumer debts.

1C

Reservists and National Guard Members; active duty or homeland defense activity. Members of a reserve component of the Armed

Forces and members of the National Guard who were called to active duty (as defined in 10 U.S.C. § 101(d)(1)) after September 11,

2001, for a period of at least 90 days, or who have performed homeland defense activity (as defined in 32 U.S.C. § 901(1)) for a period of

at least 90 days, are excluded from all forms of means testing during the time of active duty or homeland defense activity and for 540

days thereafter (the "exclusion period"). If you qualify for this temporary exclusion, (1) check the appropriate boxes and complete any

required information in the Declaration of Reservists and National Guard Members below, (2) check the box for "The presumption is

temporarily inapplicable" at the top of this statement, and (3) complete the verification in Part VIII. During your exclusion period you

are not required to complete the balance of this form, but you must complete the form no later than 14 days after the date on

which your exclusion period ends, unless the time for filing a motion raising the means test presumption expires in your case

before your exclusion period ends.

 Declaration of Reservists and National Guard Members. By checking this box and making the appropriate entries below, I declare

that I am eligible for a temporary exclusion from means testing because, as a member of a reserve component of the Armed Forces or the

National Guard

a.  I was called to active duty after September 11, 2001, for a period of at least 90 days and

 I remain on active duty /or/

 I was released from active duty on , which is less than 540 days before this bankruptcy case was

filed;

OR

b.  I am performing homeland defense activity for a period of at least 90 days /or/

 I performed homeland defense activity for a period of at least 90 days, terminating on , which is less than

540 days before this bankruptcy case was filed.

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Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 42 of 48
 B22A (Official Form 22A) (Chapter 7) (04/13) 2

Part II. CALCULATION OF MONTHLY INCOME FOR § 707(b)(7) EXCLUSION

2

Marital/filing status. Check the box that applies and complete the balance of this part of this statement as directed.

a.  Unmarried. Complete only Column A ("Debtor's Income") for Lines 3-11.

b.  Married, not filing jointly, with declaration of separate households. By checking this box, debtor declares under penalty of perjury:

"My spouse and I are legally separated under applicable non-bankruptcy law or my spouse and I are living apart other than for the

purpose of evading the requirements of § 707(b)(2)(A) of the Bankruptcy Code." Complete only column A ("Debtor's Income")

for Lines 3-11.

c.  Married, not filing jointly, without the declaration of separate households set out in Line 2.b above. Complete both Column A

("Debtor's Income") and Column B ("Spouse's Income") for Lines 3-11.

d.  Married, filing jointly. Complete both Column A ("Debtor's Income") and Column B ("Spouse's Income") for Lines 3-11.

All figures must reflect average monthly income received from all sources, derived during the six

calendar months prior to filing the bankruptcy case, ending on the last day of the month before

the filing. If the amount of monthly income varied during the six months, you must divide the

six-month total by six, and enter the result on the appropriate line.

Column A

Debtor's

Income

Column B

Spouse's

Income

3 Gross wages, salary, tips, bonuses, overtime, commissions. $ 2,830.57 $ 3,264.51

4

Income from the operation of a business, profession or farm. Subtract Line b from Line a and

enter the difference in the appropriate column(s) of Line 4. If you operate more than one

business, profession or farm, enter aggregate numbers and provide details on an attachment. Do

not enter a number less than zero. Do not include any part of the business expenses entered on

Line b as a deduction in Part V.

$ 0.00 $ 0.00

5

Rent and other real property income. Subtract Line b from Line a and enter the difference in

the appropriate column(s) of Line 5. Do not enter a number less than zero. Do not include any

part of the operating expenses entered on Line b as a deduction in Part V.

$ 0.00 $ 1,500.00

6 Interest, dividends, and royalties. $ 0.00 $ 0.00

7 Pension and retirement income. $ 0.00 $ 0.00

8

Any amounts paid by another person or entity, on a regular basis, for the household

expenses of the debtor or the debtor's dependents, including child support paid for that

purpose. Do not include alimony or separate maintenance payments or amounts paid by your

spouse if Column B is completed. Each regular payment should be reported in only one column;

if a payment is listed in Column A, do not report that payment in Column B. $ 0.00 $ 0.00

9

Unemployment compensation. Enter the amount in the appropriate column(s) of Line 9.

However, if you contend that unemployment compensation received by you or your spouse was a

benefit under the Social Security Act, do not list the amount of such compensation in Column A

or B, but instead state the amount in the space below:

$ 0.00 $ 0.00

10

Income from all other sources. Specify source and amount. If necessary, list additional sources

on a separate page. Do not include alimony or separate maintenance payments paid by your

spouse if Column B is completed, but include all other payments of alimony or separate

maintenance. Do not include any benefits received under the Social Security Act or payments

received as a victim of a war crime, crime against humanity, or as a victim of international or

domestic terrorism.

Total and enter on Line 10 $ 0.00 $ 0.00

11 Subtotal of Current Monthly Income for § 707(b)(7). Add Lines 3 thru 10 in Column A, and, if

Column B is completed, add Lines 3 through 10 in Column B. Enter the total(s). $ 2,830.57 $ 4,764.51

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b. Ordinary and necessary business expenses $ 0.00 $ 0.00

c. Business income Subtract Line b from Line a

Debtor Spouse

a. Gross receipts

Debtor Spouse

Unemployment compensation claimed to

be a benefit under the Social Security Act Debtor $ 0.00 Spouse $ 0.00

a. Gross receipts $ 0.00 $ 1,500.00

Debtor Spouse

a. $ $

b. $ $

b. Ordinary and necessary operating expenses $ 0.00 $ 0.00

c. Rent and other real property income Subtract Line b from Line a

$ 0.00 $ 0.00

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 43 of 48
 B22A (Official Form 22A) (Chapter 7) (04/13) 3

12

Total Current Monthly Income for § 707(b)(7). If Column B has been completed, add Line 11,

Column A to Line 11, Column B, and enter the total. If Column B has not been completed, enter

the amount from Line 11, Column A. $ 7,595.08

Part III. APPLICATION OF § 707(b)(7) EXCLUSION

13 Annualized Current Monthly Income for § 707(b)(7). Multiply the amount from Line 12 by the number 12 and

enter the result. $ 91,140.96

14

Applicable median family income. Enter the median family income for the applicable state and household size.

(This information is available by family size at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)

$ 65,830.00

15

Application of Section 707(b)(7). Check the applicable box and proceed as directed.

 The amount on Line 13 is less than or equal to the amount on Line 14. Check the box for "The presumption does not arise" at the

top of page 1 of this statement, and complete Part VIII; do not complete Parts IV, V, VI or VII.

 The amount on Line 13 is more than the amount on Line 14. Complete the remaining parts of this statement.

Complete Parts IV, V, VI, and VII of this statement only if required. (See Line 15.)

Part IV. CALCULATION OF CURRENT MONTHLY INCOME FOR § 707(b)(2)

16 Enter the amount from Line 12. $ 7,595.08

17

Marital adjustment. If you checked the box at Line 2.c, enter on Line 17 the total of any income listed in Line 11,

Column B that was NOT paid on a regular basis for the household expenses of the debtor or the debtor's

dependents. Specify in the lines below the basis for excluding the Column B income (such as payment of the

spouse's tax liability or the spouse's support of persons other than the debtor or the debtor's dependents) and the

amount of income devoted to each purpose. If necessary, list additional adjustments on a separate page. If you did

not check box at Line 2.c, enter zero.

Total and enter on Line 17 $ 2,667.03

18 Current monthly income for § 707(b)(2). Subtract Line 17 from Line 16 and enter the result. $ 4,928.05

Part V. CALCULATION OF DEDUCTIONS FROM INCOME

Subpart A: Deductions under Standards of the Internal Revenue Service (IRS)

19A

National Standards: food, clothing and other items. Enter in Line 19A the "Total" amount from IRS National

Standards for Food, Clothing and Other Items for the applicable number of persons. (This information is available

at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) The applicable number of persons is the number

that would currently be allowed as exemptions on your federal income tax return, plus the number of any

additional dependents whom you support. $ 1,053.00

19B

National Standards: health care. Enter in Line a1 below the amount from IRS National Standards for

Out-of-Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards for

Out-of-Pocket Health Care for persons 65 years of age or older. (This information is available at

www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) Enter in Line b1 the applicable number of persons

who are under 65 years of age, and enter in Line b2 the applicable number of persons who are 65 years of age or

older. (The applicable number of persons in each age category is the number in that category that would currently

be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom

you support.) Multiply Line a1 by Line b1 to obtain a total amount for persons under 65, and enter the result in

Line c1. Multiply Line a2 by Line b2 to obtain a total amount for persons 65 and older, and enter the result in Line

c2. Add Lines c1 and c2 to obtain a total health care amount, and enter the result in Line 19B.

$ 120.00

20A

Local Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing and

Utilities Standards; non-mortgage expenses for the applicable county and family size. (This information is

available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court). The applicable family size consists of

the number that would currently be allowed as exemptions on your federal income tax return, plus the number of

any additional dependents whom you support. $ 597.00

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$ 592.03

b. Spouse's mortgage payment on investment prop $ 1,500.00

c. upkeep, property taxes and utilties on investment prop $ 575.00

Persons under 65 years of age Persons 65 years of age or older

a1. Allowance per person 60 a2. Allowance per person 144

b1. Number of persons 2 b2. Number of persons 0

c1. Subtotal 120.00 c2. Subtotal 0.00

d. $

a. Enter debtor's state of residence: NH b. Enter debtor's household size: 2

a. Spouse's payroll taxes and medical insurance

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 44 of 48
 B22A (Official Form 22A) (Chapter 7) (04/13) 4

20B

Local Standards: housing and utilities; mortgage/rent expense. Enter, in Line a below, the amount of the IRS

Housing and Utilities Standards; mortgage/rent expense for your county and family size (this information is

available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court) (the applicable family size consists of

the number that would currently be allowed as exemptions on your federal income tax return, plus the number of

any additional dependents whom you support); enter on Line b the total of the Average Monthly Payments for any

debts secured by your home, as stated in Line 42; subtract Line b from Line a and enter the result in Line 20B. Do

not enter an amount less than zero.

$ 1,690.00

21

Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 20A and

20B does not accurately compute the allowance to which you are entitled under the IRS Housing and Utilities

Standards, enter any additional amount to which you contend you are entitled, and state the basis for your

contention in the space below:

$ 0.00

22A

Local Standards: transportation; vehicle operation/public transportation expense.

You are entitled to an expense allowance in this category regardless of whether you pay the expenses of operating a

vehicle and regardless of whether you use public transportation.

Check the number of vehicles for which you pay the operating expenses or for which the operating expenses are

included as a contribution to your household expenses in Line 8.

 0  1  2 or more.

If you checked 0, enter on Line 22A the "Public Transportation" amount from IRS Local Standards:

Transportation. If you checked 1 or 2 or more, enter on Line 22A the "Operating Costs" amount from IRS Local

Standards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area or

Census Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) $ 277.00

22B

Local Standards: transportation; additional public transportation expense. If you pay the operating expenses

for a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction for

you public transportation expenses, enter on Line 22B the "Public Transportation" amount from IRS Local

Standards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy

court.) $ 0.00

23

Local Standards: transportation ownership/lease expense; Vehicle 1. Check the number of vehicles for which

you claim an ownership/lease expense. (You may not claim an ownership/lease expense for more than two

vehicles.)

 1  2 or more.

Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation

(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average

Monthly Payments for any debts secured by Vehicle 1, as stated in Line 42; subtract Line b from Line a and enter

the result in Line 23. Do not enter an amount less than zero.

$ 453.48

24

Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you checked

the "2 or more" Box in Line 23.

Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation

(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average

Monthly Payments for any debts secured by Vehicle 2, as stated in Line 42; subtract Line b from Line a and enter

the result in Line 24. Do not enter an amount less than zero.

$ 0.00

25

Other Necessary Expenses: taxes. Enter the total average monthly expense that you actually incur for all federal,

state and local taxes, other than real estate and sales taxes, such as income taxes, self employment taxes, social

security taxes, and Medicare taxes. Do not include real estate or sales taxes. $ 495.34

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a. IRS Transportation Standards, Ownership Costs $ 517.00

b.

Average Monthly Payment for any debts secured by Vehicle

1, as stated in Line 42 $ 63.52

c. Net ownership/lease expense for Vehicle 1 Subtract Line b from Line a.

b. Average Monthly Payment for any debts secured by your

home, if any, as stated in Line 42 $

a. IRS Transportation Standards, Ownership Costs $ 0.00

b.

Average Monthly Payment for any debts secured by Vehicle

2, as stated in Line 42 $ 0.00

c. Net ownership/lease expense for Vehicle 2 Subtract Line b from Line a.

0.00

c. Net mortgage/rental expense Subtract Line b from Line a.

a. IRS Housing and Utilities Standards; mortgage/rental expense $ 1,690.00

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 45 of 48
 B22A (Official Form 22A) (Chapter 7) (04/13) 5

26

Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthly payroll

deductions that are required for your employment, such as retirement contributions, union dues, and uniform costs.

Do not include discretionary amounts, such as voluntary 401(k) contributions. $ 0.00

27

Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for term

life insurance for yourself. Do not include premiums for insurance on your dependents, for whole life or for

any other form of insurance. $ 0.00

28

Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are required to

pay pursuant to the order of a court or administrative agency, such as spousal or child support payments. Do not

include payments on past due obligations included in Line 44. $ 0.00

29

Other Necessary Expenses: education for employment or for a physically or mentally challenged child. Enter

the total average monthly amount that you actually expend for education that is a condition of employment and for

education that is required for a physically or mentally challenged dependent child for whom no public education

providing similar services is available. $ 0.00

30 Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend on

childcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments. $ 0.00

31

Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend on

health care that is required for the health and welfare of yourself or your dependents, that is not reimbursed by

insurance or paid by a health savings account, and that is in excess of the amount entered in Line 19B. Do not

include payments for health insurance or health savings accounts listed in Line 34. $ 0.00

32

Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that you

actually pay for telecommunication services other than your basic home telephone and cell phone service - such as

pagers, call waiting, caller id, special long distance, or internet service - to the extent necessary for your health and

welfare or that of your dependents. Do not include any amount previously deducted. $ 35.00

33 Total Expenses Allowed under IRS Standards. Enter the total of Lines 19 through 32. $ 4,720.82

Subpart B: Additional Living Expense Deductions

Note: Do not include any expenses that you have listed in Lines 19-32

34

Health Insurance, Disability Insurance, and Health Savings Account Expenses. List the monthly expenses in

the categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or your

dependents.

$ 87.59

Total and enter on Line 34.

If you do not actually expend this total amount, state your actual total average monthly expenditures in the space

below:

$

35

Continued contributions to the care of household or family members. Enter the total average actual monthly

expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically

ill, or disabled member of your household or member of your immediate family who is unable to pay for such

expenses. $ 0.00

36

Protection against family violence. Enter the total average reasonably necessary monthly expenses that you

actually incurred to maintain the safety of your family under the Family Violence Prevention and Services Act or

other applicable federal law. The nature of these expenses is required to be kept confidential by the court. $ 0.00

37

Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS Local

Standards for Housing and Utilities, that you actually expend for home energy costs. You must provide your case

trustee with documentation of your actual expenses, and you must demonstrate that the additional amount

claimed is reasonable and necessary. $ 0.00

38

Education expenses for dependent children less than 18. Enter the total average monthly expenses that you

actually incur, not to exceed $156.25* per child, for attendance at a private or public elementary or secondary

school by your dependent children less than 18 years of age. You must provide your case trustee with

documentation of your actual expenses, and you must explain why the amount claimed is reasonable and

necessary and not already accounted for in the IRS Standards. $ 0.00

* Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

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$ 87.59

b. Disability Insurance $ 0.00

c. Health Savings Account $ 0.00

a. Health Insurance

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 46 of 48
 B22A (Official Form 22A) (Chapter 7) (04/13) 6

39

Additional food and clothing expense. Enter the total average monthly amount by which your food and clothing

expenses exceed the combined allowances for food and clothing (apparel and services) in the IRS National

Standards, not to exceed 5% of those combined allowances. (This information is available at www.usdoj.gov/ust/

or from the clerk of the bankruptcy court.) You must demonstrate that the additional amount claimed is

reasonable and necessary. $ 0.00

40 Continued charitable contributions. Enter the amount that you will continue to contribute in the form of cash or

financial instruments to a charitable organization as defined in 26 U.S.C. § 170(c)(1)-(2). $ 175.00

41 Total Additional Expense Deductions under § 707(b). Enter the total of Lines 34 through 40 $ 262.59

Subpart C: Deductions for Debt Payment

42

Future payments on secured claims. For each of your debts that is secured by an interest in property that you

own, list the name of the creditor, identify the property securing the debt, state the Average Monthly Payment, and

check whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all amounts

scheduled as contractually due to each Secured Creditor in the 60 months following the filing of the bankruptcy

case, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the Average Monthly

Payments on Line 42.

Name of Creditor Property Securing the Debt Average Monthly

Payment

Does payment

include taxes

or insurance?

a.

Lease and Rental

Management Corp.

2007 Chrysler PT Cruiser with

98,000 miles (in fair

condition) $ 63.52 yes no

Total: Add Lines $ 63.52

43

Other payments on secured claims. If any of debts listed in Line 42 are secured by your primary residence, a

motor vehicle, or other property necessary for your support or the support of your dependents, you may include in

your deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to the

payments listed in Line 42, in order to maintain possession of the property. The cure amount would include any

sums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts in

the following chart. If necessary, list additional entries on a separate page.

Name of Creditor Property Securing the Debt 1/60th of the Cure Amount

a. -NONE- $

Total: Add Lines $ 0.00

44

Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such as

priority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy filing. Do

not include current obligations, such as those set out in Line 28. $ 0.85

45

Chapter 13 administrative expenses. If you are eligible to file a case under chapter 13, complete the following

chart, multiply the amount in line a by the amount in line b, and enter the resulting administrative expense.

$ 0.00

46 Total Deductions for Debt Payment. Enter the total of Lines 42 through 45. $ 64.37

Subpart D: Total Deductions from Income

47 Total of all deductions allowed under § 707(b)(2). Enter the total of Lines 33, 41, and 46. $ 5,047.78

Part VI. DETERMINATION OF § 707(b)(2) PRESUMPTION

48 Enter the amount from Line 18 (Current monthly income for § 707(b)(2)) $ 4,928.05

49 Enter the amount from Line 47 (Total of all deductions allowed under § 707(b)(2)) $ 5,047.78

50 Monthly disposable income under § 707(b)(2). Subtract Line 49 from Line 48 and enter the result. $ -119.73

51 60-month disposable income under § 707(b)(2). Multiply the amount in Line 50 by the number 60 and enter the

result. $ -7,183.80

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a. Projected average monthly chapter 13 plan payment. $ 0.00

b. Current multiplier for your district as determined under schedules

issued by the Executive Office for United States Trustees. (This

information is available at www.usdoj.gov/ust/ or from the clerk of

the bankruptcy court.) x 5.90

c. Average monthly administrative expense of chapter 13 case Total: Multiply Lines a and b

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 47 of 48
 B22A (Official Form 22A) (Chapter 7) (04/13) 7

52

Initial presumption determination. Check the applicable box and proceed as directed.

 The amount on Line 51 is less than $7,475*

. Check the box for "The presumption does not arise" at the top of page 1 of this

statement, and complete the verification in Part VIII. Do not complete the remainder of Part VI.

 The amount set forth on Line 51 is more than $12,475* Check the box for "The presumption arises" at the top of page 1 of this

statement, and complete the verification in Part VIII. You may also complete Part VII. Do not complete the remainder of Part VI.

 The amount on Line 51 is at least $7,475*, but not more than $12,475*. Complete the remainder of Part VI (Lines 53 through 55).

53 Enter the amount of your total non-priority unsecured debt $

54 Threshold debt payment amount. Multiply the amount in Line 53 by the number 0.25 and enter the result. $

55

Secondary presumption determination. Check the applicable box and proceed as directed.

 The amount on Line 51 is less than the amount on Line 54. Check the box for "The presumption does not arise" at the top of page 1

of this statement, and complete the verification in Part VIII.

 The amount on Line 51 is equal to or greater than the amount on Line 54. Check the box for "The presumption arises" at the top

of page 1 of this statement, and complete the verification in Part VIII. You may also complete Part VII.

Part VII. ADDITIONAL EXPENSE CLAIMS

56

Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfare of

you and your family and that you contend should be an additional deduction from your current monthly income under §

707(b)(2)(A)(ii)(I). If necessary, list additional sources on a separate page. All figures should reflect your average monthly expense for

each item. Total the expenses.

Part VIII. VERIFICATION

57

I declare under penalty of perjury that the information provided in this statement is true and correct. (If this is a joint case, both debtors

must sign.)

Kenneth Ealy

(Debtor)

* Amounts are subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

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c. $

d. $

Total: Add Lines a, b, c, and d $

Expense Description Monthly Amount

a. $

Date: August 31, 2013 Signature: /s/ Kenneth Ealy

b. $

Case: 13-12187-JMD Doc #: 1 Filed: 08/31/13 Desc: Main Document Page 48 of 48