Opinion ID: 2653399
Heading Depth: 2
Heading Rank: 1

Heading: Brown’s Chapter 13 Bankruptcy Petition

Text: In 2011, petitioner Brown filed a voluntary petition for bankruptcy under Chapter 13 of the bankruptcy code. See 11 U.S.C. § 1301 et seq. Brown reported $1,134 in Social Security disability insurance benefits each month. His only other income was $230 in rental income each month. His rental income plus Social Security benefits combined for a monthly total of $1,364. His average monthly expenses were $1,214, leaving him with a monthly net discretionary income of $150. 2 Case: 13-10260 Date Filed: 02/14/2014 Page: 3 of 23 As for assets, Brown estimated that he had $920 in personal property, including: (1) $20 in cash; (2) $800 in household goods; and (3) $100 in clothes. Brown did not list any real property assets or even a vehicle. Brown filed a schedule showing he owed a total of $16,203 to ten different creditors (the “scheduled creditors”), all of whom held unsecured, nonpriority claims. The scheduled creditors and the amounts Brown reported to owe them were: (1) $1,100 to “Allied Interstate Inc.”; (2) $852 to “Ar Resources Inc.”; (3) $562 to “Capio Partners LLC”; (4) $1,015 to “Comcast Cable”; (5) $93 to “Covington Credit”; (6) $700 to “Credit Central”; (7) $600 to “Gadsden Financial”; (8) $994 to “Nco-Medclr”; (9) $287 to “Paragon Rev”; and (10) $10,000 to “Rainbow Health Care.”1