ramos second bk eleven documents

}bk1{Form 1. Voluntary Petition (CDC Local Version)}bk{

B1 (Official Form 1)(4/10)

United States Bankruptcy Court Voluntary PetitionName of Debtor (if individual, enter Last, First, Middle):

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

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

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

County of Residence or of the Principal Place of Business:

Mailing Address of Debtor (if different from street address):

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

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

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

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

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

County of Residence or of the Principal Place of Business:

Mailing Address of Joint Debtor (if different from street address):

ZIP Code ZIP Code

ZIP Code ZIP Code

Type of Debtor(Form of Organization)

(Check one box)

Individual (includes Joint Debtors)See Exhibit D on page 2 of this form.Corporation (includes LLC and LLP)PartnershipOther (If debtor is not one of the above entities,check this box and state type of entity below.)

Filing Fee (Check one box)Full Filing Fee attached

Filing Fee to be paid in installments (applicable to individuals only). Mustattach signed application for the court's consideration certifying that thedebtor is unable to pay fee except in installments. Rule 1006(b). See OfficialForm 3A.

Filing Fee waiver requested (applicable to chapter 7 individuals only). Mustattach signed application for the court's consideration. See Official Form 3B.

Nature of Business(Check one box)

Health Care BusinessSingle Asset Real Estate as definedin 11 U.S.C. § 101 (51B)RailroadStockbrokerCommodity BrokerClearing BankOther

Tax-Exempt Entity(Check box, if applicable)

Debtor is a tax-exempt organizationunder Title 26 of the United StatesCode (the Internal Revenue Code).

Chapter of Bankruptcy Code Under Whichthe Petition is Filed (Check one box)

Chapter 7Chapter 9Chapter 11Chapter 12Chapter 13

Chapter 15 Petition for Recognitionof a Foreign Main ProceedingChapter 15 Petition for Recognitionof a Foreign Nonmain Proceeding

Nature of Debts(Check one box)

Debts are primarily consumer debts, Debts are primarilydefined in 11 U.S.C. § 101(8) as business debts."incurred by an individual primarily fora personal, family, or household purpose."

Chapter 11 DebtorsCheck 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 $2,343,300 (amount subject to adjustment on 4/01/13 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).

THIS SPACE IS FOR COURT USE ONLYStatistical/Administrative InformationDebtor 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- OVER49 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

Central District of California

Ramos, Anthony

xxx-xx-7594

554 W. 21st StreetUpland, CA

San Bernardino

91784

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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 Commissionpursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934and is requesting relief under chapter 11.)

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

Exhibit CDoes 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 180days 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 inthis District, or has no principal place of business or assets in the United States but is a defendant in an action orproceeding [in a federal or state court] in this District, or the interests of the parties will be served in regard to the reliefsought 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 curethe entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, andDebtor has included in this petition the deposit with the court of any rent that would become due during the 30-day periodafter 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 Ihave 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 availableunder each such chapter. I further certify that I delivered to the debtor the noticerequired by 11 U.S.C. §342(b).

XSignature of Attorney for Debtor(s) (Date)

Ramos, Anthony

Riverside 6:10-bk-50274 12/15/10

- None -

May 9, 2011/s/ Christopher Hewitt

Christopher Hewitt 236568

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

Name of Debtor(s):

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

I declare under penalty of perjury that the information provided in thispetition is true and correct.[If petitioner is an individual whose debts are primarily consumer debts andhas chosen to file under chapter 7] I am aware that I may proceed underchapter 7, 11, 12, or 13 of title 11, United States Code, understand the reliefavailable under each such chapter, and choose to proceed under chapter 7.[If no attorney represents me and no bankruptcy petition preparer signs thepetition] 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.

XSignature of Debtor

XSignature of Joint Debtor

Telephone Number (If not represented by attorney)

Date

Signature of Attorney*

XSignature 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 acertification that the attorney has no knowledge after an inquiry that theinformation in the schedules is incorrect.

Signature of Debtor (Corporation/Partnership)

I declare under penalty of perjury that the information provided in thispetition is true and correct, and that I have been authorized to file this petitionon behalf of the debtor.

The debtor requests relief in accordance with the chapter of title 11, UnitedStates Code, specified in this petition.

XSignature of Authorized Individual

Printed Name of Authorized Individual

Title of Authorized Individual

Date

Signature of a Foreign RepresentativeI declare under penalty of perjury that the information provided in this petitionis true and correct, that I am the foreign representative of a debtor in a foreignproceeding, 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 chapterof title 11 specified in this petition. A certified copy of the order grantingrecognition of the foreign main proceeding is attached.

XSignature 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 petitionpreparer as defined in 11 U.S.C. § 110; (2) I prepared this document forcompensation and have provided the debtor with a copy of this documentand 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 promulgatedpursuant to 11 U.S.C. § 110(h) setting a maximum fee for serviceschargeable by bankruptcy petition preparers, I have given the debtor noticeof the maximum amount before preparing any document for filing for adebtor 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 notan individual, state the Social Security number of the officer,principal, responsible person or partner of the bankruptcy petitionpreparer.)(Required by 11 U.S.C. § 110.)

Address

X

Date

Signature of Bankruptcy Petition Preparer or officer, principal, responsibleperson,or partner whose Social Security number is provided above.

Names and Social-Security numbers of all other individuals who prepared orassisted in preparing this document unless the bankruptcy petition preparer isnot an individual:

If more than one person prepared this document, attach additional sheetsconforming to the appropriate official form for each person.

A bankruptcy petition preparer’s failure to comply with the provisions oftitle 11 and the Federal Rules of Bankruptcy Procedure may result infines or imprisonment or both 11 U.S.C. §110; 18 U.S.C. §156.

Ramos, Anthony

/s/ Anthony RamosAnthony Ramos

May 9, 2011

/s/ Christopher Hewitt

Christopher Hewitt 236568

Law Office Of Christopher Hewitt

2229 E. Bel Air LnGilbert, AZ 85234

Email: [email protected] Fax: 1-877-241-6366

May 9, 2011 236568

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

United States Bankruptcy CourtCentral District of California

In re Anthony Ramos Case No.Debtor(s) Chapter 13

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITHCREDIT COUNSELING REQUIREMENT

Warning: You must be able to check truthfully one of the five statements regarding creditcounseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the courtcan dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and yourcreditors will be able to resume collection activities against you. If your case is dismissed and you fileanother bankruptcy case later, you may be required to pay a second filing fee and you may have to takeextra steps to stop creditors' collection activities.

Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must completeand 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 creditcounseling agency approved by the United States trustee or bankruptcy administrator that outlined theopportunities for available credit counseling and assisted me in performing a related budget analysis, and I havea certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copyof 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 creditcounseling agency approved by the United States trustee or bankruptcy administrator that outlined theopportunities for available credit counseling and assisted me in performing a related budget analysis, but I donot have a certificate from the agency describing the services provided to me. You must file a copy of acertificate from the agency describing the services provided to you and a copy of any debt repayment plandeveloped 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 toobtain the services during the seven days from the time I made my request, and the following exigentcircumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy casenow. [Summarize exigent circumstances here.]

If your certification is satisfactory to the court, you must still obtain the credit counseling briefingwithin the first 30 days after you file your bankruptcy petition and promptly file a certificate from theagency that provided the counseling, together with a copy of any debt management plan developedthrough the agency. Failure to fulfill these requirements may result in dismissal of your case. Anyextension 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 bankruptcycase without first receiving a credit counseling briefing.

4. I am not required to receive a credit counseling briefing because of: [Check the applicablestatement.] [Must be accompanied by a motion for determination by the court.]Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy

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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 ormental deficiency so as to be incapable of realizing and making rational decisions with respect tofinancial responsibilities.);

Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of beingunable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, orthrough the Internet.);

Active military duty in a military combat zone.

5. The United States trustee or bankruptcy administrator has determined that the credit counselingrequirement 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/ Anthony RamosAnthony Ramos

Date: May 9, 2011

Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy


5/09/11 4:37PM

STATEMENT OF RELATED CASESINFORMATION REQUIRED BY LOCAL BANKRUPTCY RULE 1015-2

UNITED STATES BANKRUPTCY COURT, CENTRAL DISTRICT OF CALIFORNIA1. A petition under the Bankruptcy Act of 1898 or the Bankruptcy Reform Act of 1978 has previously been filed by or

against the debtor, his/her spouse, his or her current or former domestic partner, an affiliate of the debtor, anycopartnership or joint venture of which debtor is or formerly was a general or limited partner, or member, or anycorporation of which the debtor is a director, officer, or person in control, as follows: (Set forth the complete numberand title of each such of prior proceeding, date filed, nature thereof, the Bankruptcy Judge and court to whomassigned, whether still pending and, if not, the disposition thereof. If none, so indicate. Also, list any real propertyincluded in Schedule A that was filed with any such prior proceeding(s).)

None.

2. (If petitioner is a partnership or joint venture) A petition under the Bankruptcy Act of 1898 or the Bankruptcy ReformAct of 1978 has previously been filed by or against the debtor or an affiliate of the debtor, or a general partner in thedebtor, a relative of the general partner, general partner of, or person in control of the debtor, partnership in which thedebtor is a general partner, general partner of the debtor, or person in control of the debtor as follows: (Set forth thecomplete number and title of each such prior proceeding, date filed, nature of the proceeding, the Bankruptcy Judgeand court to whom assigned, whether still pending and, if not, the disposition thereof. If none, so indicate. Also, listany real property included in Schedule A that was filed with any such prior proceeding(s).)

None.

3. (If petitioner is a corporation) A petition under the Bankruptcy Act of 1898 or the Bankruptcy Reform Act of 1978 haspreviously been filed by or against the debtor, or any of its affiliates or subsidiaries, a director of the debtor, an officerof the debtor, a person in control of the debtor, a partnership in which the debtor is general partner, a general partnerof the debtor, a relative of the general partner, director, officer, or person in control of the debtor, or any persons, firmsor corporations owning 20% or more of its voting stock as follows: (Set forth the complete number and title of eachsuch prior proceeding, date filed, nature of proceeding, the Bankruptcy Judge and court to whom assigned, whetherstill pending, and if not, the disposition thereof. If none, so indicate. Also, list any real property included in Schedule Athat was filed with any such prior proceeding(s).)

None.

4. (If petitioner is an individual) A petition under the Bankruptcy Reform Act of 1978, including amendments thereof, hasbeen filed by or against the debtor within the last 180 days: (Set forth the complete number and title of each such priorproceeding, date filed, nature of proceeding, the Bankruptcy Judge and court to whom assigned, whether still pending,and if not, the disposition thereof. If none, so indicate. Also, list any real property included in Schedule A that was filedwith any such prior proceeding(s).)

None.

I declare, under penalty of perjury, that the foregoing is true and correct.

Executed at , California. /s/ Anthony RamosAnthony Ramos

Dated May 9, 2011 Debtor

Joint Debtor

This form is mandatory by Order of the United States Bankruptcy Court for the Central District of California.

January 2009 F 1015-2.1Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy


5/09/11 4:37PM

B201 - Notice of Available Chapters (Rev. 12/08) USBC, Central District of California

Name: Christopher Hewitt 236568Address: 2229 E. Bel Air Ln

Gilbert, AZ 85234Telephone: 415-265-2917 Fax: 1-877-241-6366

Attorney for DebtorDebtor in Pro Per

UNITED STATES BANKRUPTCY COURTCENTRAL DISTRICT OF CALIFORNIA

List all names including trade names, used by Debtor(s)within last 8 years:

Case No.:

Anthony Ramos

NOTICE OF AVAILABLECHAPTERS

(Notice to Individual Consumer Debtor 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 brieflythe services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types ofbankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney Generalmay 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 attorneyto 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 youreceive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in youraddress. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists thesame mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed fromthe bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse receive aseparate copy of all notices.

1. Services Available from Credit Counseling AgenciesWith limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcyrelief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counselingand provides assistance in performing a budget analysis. The briefing must be given within 180 days before thebankruptcy filing. The briefing may be provided individually or in a group (including briefings conducted by telephone or onthe Internet) and must be provided by a nonprofit budget and credit counseling agency approved by the United States trusteeor bankruptcy administrator. The clerk of the bankruptcy court has a list that you may consult of the approved budget andcredit 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 managementinstructional course before he or she can receive a discharge. The clerk also has a list of approved financial managementinstructional courses. Each debtor in a joint case must complete the course.

2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer DebtorsChapter 7: Liquidation ($245 filing fee, $39 administrative fee, $15 trustee surcharge: Total Fee $299)1. 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 bepermitted to proceed under chapter 7. If your income is greater than the median income for your state of residence andfamily size, in some cases, 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.

2. Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right totake possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.

3. The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to havecommitted 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.



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B201 - Notice of Available Chapters (Rev. 12/08) USBC, Central District of California

4. Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may stillbe responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support andproperty settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts whichare not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motorvehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose fromfraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine thatthe debt is not discharged.

Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee,$39 administrative fee: Total fee $274)1. Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments

over a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth inthe Bankruptcy Code.

2. 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.

3. After completing the payments under your plan, your debts are generally discharged except for domestic supportobligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are notproperly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain longterm secured obligations.

Chapter 11: Reorganization ($1000 filing fee, $39 administrative fee: Total fee $1039)Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quitecomplicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney.

Chapter 12: Family Farmer or Fisherman ($200 filing fee, $39 administrative fee: Total fee $239)Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earningsand is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose income arises primarilyfrom a family-owned farm or commercial fishing operation.

3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement OfficialsA person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, eitherorally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information suppliedby a debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Officeof the United States Trustee, the Office of the United States Attorney, and other components and employees of theDepartment 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 notfiled with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court.

Certificate of the DebtorI (We), the debtor(s), affirm that I (we) have received and read this notice.

Anthony Ramos X /s/ Anthony Ramos May 9, 2011Printed Name(s) of Debtor(s) Signature of Debtor Date

Case No. (if known) XSignature of Joint Debtor (if any) Date



}bk1{Form 6. Summary of Schedules}bk{


In re ,Debtor

Case No.

Chapter 13

Anthony Ramos

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 mustalso 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. OFNAME 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 UnsecuredPriority Claims

F - Creditors Holding UnsecuredNonpriority Claims

G - Executory Contracts andUnexpired Leases

H - Codebtors

I - Current Income of IndividualDebtor(s)

J - Current Expenditures of IndividualDebtor(s)

Total Number of Sheets of ALL Schedules

Total Assets

Total Liabilities

(Total of Claims on Schedule E)

Software Copyright (c) 1996-2011 - CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

1 440,000.00

4 363,054.21

1

640,417.002

3,592.002

85,214.006

1

1

2 10,271.17

2 8,518.00

22

803,054.21

729,223.00


}bk1{Form 6. Statistical Summary of Certain Liabilities and Related Data}bk{


In re ,Debtor

Case No.

Chapter 13

Anthony Ramos

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)), filinga 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 toreport 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 DecreeObligations 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 TOPRIORITY, IF ANY" column

4. Total from Schedule F

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


0.00

3,592.00

0.00

0.00

0.00

0.00

3,592.00

10,271.17

8,518.00

14,282.00

187,209.00

3,592.00

0.00

85,214.00

272,423.00


}bk1{Schedule A - Real Property}bk{

In re ,Debtor

Case No.Anthony Ramos

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 acotenant, community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable forthe 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 andUnexpired 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 entityclaims to hold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim." If the debtor is an individual orif 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'sInterest in Property

Husband,Wife,Joint, or

Community

Current Value ofDebtor's Interest inProperty, without

Deducting any SecuredClaim or Exemption

Amount ofSecured Claim

continuation sheets attached to the Schedule of Real Property

SCHEDULE A - REAL PROPERTY


0

554 W. 21stUpland, CA 91784

50% interest as tenant incommon

- 440,000.00 605,308.00

Sub-Total > (Total of this page)440,000.00

Total >

(Report also on Summary of Schedules)

440,000.00


}bk1{Schedule B - Personal Property}bk{

In re ,Debtor


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, placean "x" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identifiedwith the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital communityown 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 jointpetition 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 andUnexpired 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 PropertyNONE

Description and Location of PropertyHusband,

Wife,Joint, or

Community

Current Value ofDebtor's Interest in Property,

without Deducting anySecured Claim or Exemption

continuation sheets attached to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY


2

1. Cash on hand X

2. Checking, savings or other financialaccounts, certificates of deposit, orshares in banks, savings and loan,thrift, building and loan, andhomestead associations, or creditunions, brokerage houses, orcooperatives.

Bank of America Checking account ending in 6906 - 1,500.00

Bank of America Savings ending in 9054 - 3.21

3. Security deposits with publicutilities, telephone companies,landlords, and others.

X

4. Household goods and furnishings,including audio, video, andcomputer equipment.

Standard Household Goods: See attached list - 16,870.00

5. Books, pictures and other artobjects, antiques, stamp, coin,record, tape, compact disc, andother collections or collectibles.

X

6. Wearing apparel. Used Clothing - 1,500.00

7. Furs and jewelry. X

8. Firearms and sports, photographic,and other hobby equipment.

X

9. Interests in insurance policies.Name insurance company of eachpolicy and itemize surrender orrefund value of each.

AHL Cancer – 8087370452 - 0.00

AHL Heart and Stroke - 8087370456 - 0.00

Life Insurance Policy with ING 31640- - 0.00

10. Annuities. Itemize and name eachissuer.

X

Sub-Total >(Total of this page)

19,873.21


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



Wife,Joint, or

Community



Sheet of continuation sheets attachedto the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY(Continuation Sheet)


In re ,Debtor


11. Interests in an education IRA asdefined in 26 U.S.C. § 530(b)(1) orunder a qualified State tuition planas defined in 26 U.S.C. § 529(b)(1).Give particulars. (File separately therecord(s) of any such interest(s).11 U.S.C. § 521(c).)

X

12. Interests in IRA, ERISA, Keogh, orother pension or profit sharingplans. Give particulars.

CalPers Account - 328,181.00

13. Stock and interests in incorporatedand unincorporated businesses.Itemize.

X

14. Interests in partnerships or jointventures. Itemize.

X

15. Government and corporate bondsand other negotiable andnonnegotiable instruments.

X

16. Accounts receivable. X

17. Alimony, maintenance, support, andproperty settlements to which thedebtor is or may be entitled. Giveparticulars.

X

18. Other liquidated debts owed to debtorincluding tax refunds. Give particulars.

X

19. Equitable or future interests, lifeestates, and rights or powersexercisable for the benefit of thedebtor other than those listed inSchedule A - Real Property.

X

20. Contingent and noncontingentinterests in estate of a decedent,death benefit plan, life insurancepolicy, or trust.

X

21. Other contingent and unliquidatedclaims of every nature, includingtax refunds, counterclaims of thedebtor, and rights to setoff claims.Give estimated value of each.

X


328,181.00

1 2


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



Wife,Joint, or

Community



Sheet of continuation sheets attachedto the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY(Continuation Sheet)


In re ,Debtor


22. Patents, copyrights, and otherintellectual property. Giveparticulars.

X

23. Licenses, franchises, and othergeneral intangibles. Giveparticulars.

X

24. Customer lists or other compilationscontaining personally identifiableinformation (as defined in 11 U.S.C.§ 101(41A)) provided to the debtorby individuals in connection withobtaining a product or service fromthe debtor primarily for personal,family, or household purposes.

X

25. Automobiles, trucks, trailers, andother vehicles and accessories.

2009 Toyota Camry with 30k miles - 0.00

2006 Ford F150 with 43000 miles - 15,000.00

26. Boats, motors, and accessories. X

27. Aircraft and accessories. X

28. Office equipment, furnishings, andsupplies.

X

29. Machinery, fixtures, equipment, andsupplies used in business.

X

30. Inventory. X

31. Animals. X

32. Crops - growing or harvested. Giveparticulars.

X

33. Farming equipment andimplements.

X

34. Farm supplies, chemicals, and feed. X

35. Other personal property of any kindnot already listed. Itemize.

X


15,000.00

2 2Total >

(Report also on Summary of Schedules)

363,054.21


}bk1{Attachment A}bk{Case 6:11-bk-25322-CB Doc 1 Filed 05/09/11 Entered 05/09/11 16:39:26 Desc Main Document of 61

}bk1{Schedule C - Property Claimed as Exempt}bk{

In re ,Debtor


B6C (Official Form 6C) (4/10)

Debtor claims the exemptions to which debtor is entitled under: Check if debtor claims a homestead exemption that exceeds(Check one box) $146,450. (Amount subject to adjustment on 4/1/13, 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 ProvidingEach Exemption

Value ofClaimed

Exemption

Current Value ofProperty Without

Deducting Exemption

continuation sheets attached to Schedule of Property Claimed as Exempt

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT


0

Checking, Savings, or Other Financial Accounts, Certificates of DepositBank of America Checking account ending in6906

1,500.00C.C.P. § 703.140(b)(5) 50.00C.C.P. § 703.140(b)(5) 15.00C.C.P. § 703.140(b)(5) 1,435.00

Bank of America Savings ending in 9054 3.21C.C.P. § 703.140(b)(5) 3.21

Household Goods and FurnishingsStandard Household Goods: See attached list 16,870.00C.C.P. § 703.140(b)(3) 8,000.00

C.C.P. § 703.140(b)(3) 8,870.00

Wearing ApparelUsed Clothing 1,500.00C.C.P. § 703.140(b)(3) 1,500.00

Interests in IRA, ERISA, Keogh, or Other Pension or Profit Sharing PlansCalPers Account 328,181.0011 U.S.C. § 522(b)(3)(C) 328,181.00

Automobiles, Trucks, Trailers, and Other Vehicles2006 Ford F150 with 43000 miles 15,000.00C.C.P. § 703.140(b)(2) 1,792.00

Total: 349,846.21 363,054.21


}bk1{Schedule D - Creditors Holding Secured Claims}bk{

AMOUNT OFCLAIM

WITHOUTDEDUCTINGVALUE OF

COLLATERAL

DATE CLAIM WAS INCURRED,NATURE OF LIEN, AND

DESCRIPTION AND VALUEOF PROPERTY

SUBJECT TO LIEN

CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED

Husband, Wife, Joint, or Community

HWJC

CREDITOR'S NAMEAND 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)

UNSECUREDPORTION, 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 ofthe 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 providedif 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, andother 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 orguardian, 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 securedcreditors 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 appropriateschedule 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 beliable 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 theclaim 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 lastsheet 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 withprimarily 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


In re ,Debtor


1

Ref code RBWHVLCX 557 Loan

City of Claremont207 Harvard AveClaremont, CA 91711 -

2,287.00 2,287.000.00xxxxxx1700 Opened 8/01/07 Last Active 1/14/11

2006 Ford F150 with 43000 milesF&a Federal Credit Un2625 Corporate PlMonterey Park, CA 91754 -

13,208.00 0.0015,000.00Unknown 2005

2nd Lien


Specialized Loan ServicesPO BOX 105 219Atlanta, GA 30348 -

148,000.00 148,000.00440,000.00xxxxxxS337 Opened 5/23/09 Last Active 12/05/10

2009 Toyota Camry with 30k milesToyota Motor Credit CoPO BOX 60116City of Industry, CA 91716-0016 -

19,614.00 19,614.000.00

183,109.00 169,901.00


B6D (Official Form 6D) (12/07) - Cont.

AMOUNT OFCLAIM

WITHOUTDEDUCTINGVALUE OF

COLLATERAL

DATE CLAIM WAS INCURRED,NATURE OF LIEN, AND


SUBJECT TO LIEN

CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC

CREDITOR'S NAMEAND MAILING ADDRESS


(See instructions.)

Account No.

Value $Account No.

Value $Account No.

Value $Account No.

Value $Account No.

Value $SubtotalSheet _____ of _____ continuation sheets attached to

(Total of this page)Schedule of Creditors Holding Secured Claims

UNSECUREDPORTION, IF

ANY

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS(Continuation Sheet)


In re ,Debtor


xxxxxxxxx4887 Opened 1/01/05 Last Active 1/20/11


Wells FargoPO BOX 54349Los Angeles, CA 90054 -

457,308.00 17,308.00440,000.00

457,308.00 17,308.001 1

640,417.00 187,209.00Total(Report on Summary of Schedules)


}bk1{Schedule E - Creditors Holding Unsecured Priority Claims}bk{

B6E (Official Form 6E) (4/10)

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 entitledto 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 theaccount 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 separatecontinuation 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 doso. 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 appropriateschedule 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 beliable 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 thecolumn 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 prioritylisted 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 totalalso 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 topriority 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 thistotal 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 obligationsClaims 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 caseClaims 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 commissionsWages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifying independent sales

representatives up to $11,725* per person earned within 180 days immediately preceding the filing of the original petition, or the cessation of business, whicheveroccurred first, to the extent provided in 11 U.S.C. § 507(a)(4).

Contributions to employee benefit plansMoney 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 fishermenClaims of certain farmers and fishermen, up to $5,775* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).

Deposits by individualsClaims of individuals up to $2,600* 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 unitsTaxes, 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 institutionClaims 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 intoxicatedClaims 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 4/01/13, 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


In re ,Debtor


1


B6E (Official Form 6E) (4/10) - Cont.

CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC

CREDITOR'S NAME,AND MAILING ADDRESS


(See instructions.)

DATE CLAIM WAS INCURRED AMOUNTAND CONSIDERATION FOR CLAIM OF CLAIM

Account No.

Account No.

Account No.

Account No.

Account No.

SubtotalSheet _____ of _____ continuation sheets attached to(Total of this page)Schedule of Creditors Holding Unsecured Priority Claims

TYPE OF PRIORITY

AMOUNT NOTENTITLED TOPRIORITY, IF ANY

AMOUNTENTITLED TO

PRIORITY

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS(Continuation Sheet)


In re ,Debtor


Taxes and Certain Other DebtsOwed to Governmental Units

xxxxx-2660 2008

Tax DebtIRS5045 E. Butler AveFresno, CA 93888-0021 -

3,592.00 3,592.00

0.00

3,592.00 3,592.000.001 1

3,592.00 3,592.000.00Total

(Report on Summary of Schedules)



}bk1{Schedule F - Creditors Holding Unsecured Nonpriority Claims}bk{

CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC

CREDITOR'S NAME,MAILING ADDRESS



Account No.

Account No.

Account No.

Account No.

Subtotal_____ continuation sheets attached (Total of this page)

DATE CLAIM WAS INCURRED ANDCONSIDERATION 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 thedebtor 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 thetrustee 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'sparent 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 notinclude 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 appropriateschedule 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 beliable 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 theclaim 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 ofSchedules 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:39511-110309

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


In re ,Debtor


5

xxxxxx5943 Opened 3/01/07 Last Active 12/31/10Educational

Acs/clc College Loan C501 Bleecker StUtica, NY 13501

-

1,835.00

Unknown 2004Credit debt

Bank of AmericaPO BOX 17054Wilmington, DE 19850

-

6,493.00

xxxx3032 Opened 6/01/10 Last Active 1/16/11CollectionAttorney Ge Money Bank

Calvary Portfolio ServicesAttention: Bankruptcy DepartmentPo Box 1017Hawthorne, NY 10532

-

11,533.00

Unknown 1999Credit debt

Capital onePO BOX 30285Salt Lake City, UT 84130

-

2,303.00

22,164.00


B6F (Official Form 6F) (12/07) - Cont.

CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC




Account No.

Account No.

Account No.

Account No.

Account No.

Sheet no. _____ of _____ sheets attached to Schedule of SubtotalCreditors Holding Unsecured Nonpriority Claims (Total of this page)



SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS(Continuation Sheet)


In re ,Debtor


xxxxxxxxxxxx3125 Opened 6/01/04 Last Active 8/31/10CreditCard

Capital One, N.a.Bankruptcy DeptPo Box 5155Norcross, GA 30091

-

4,335.00

xxx 1004 2005credit card debt

ChasePO BOX 15298Wilmington, DE 19850

-

5,415.00

1047 2005Credit debt


-

3,498.00

1514 2006Credit card debt


-

4,494.00

xxx6455 Opened 12/01/10CollectionAttorney Bear Valley CommunityHospitalCollection Consultants

6100 San Fernando Rd SteGlendale, CA 91201

-

1,094.00

18,836.001 5



CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC




Account No.

Account No.

Account No.

Account No.

Account No.






In re ,Debtor


5417 2006Credit card

Discount TirePO BOX 941439El Paso, TX 79998

-

1,391.00

xxxxx9310 Opened 7/01/10CollectionAttorney 07 College LoanCorporationDiversi Col

555 Mccormick StSan Leandro, CA 94577

-

2,000.00

xxxx8802 2010Dr visit

Dr AltwinPO BOX 1033Riverside, CA 92502

-

377.00

xxxxxxxxxxx4517 Opened 8/11/08 Last Active 12/01/10Educational

Dscvr/glelsi2401 InternationalMadison, WI 53704

-

2,217.00

xxxxxx2335 Opened 4/01/04 Last Active 8/24/09AutoLease

Firstarc/o US Bank Bankruptcy DeptPo Box 5229Cincinnati, OH 45201

-

5,152.00

11,137.002 5



CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC




Account No.

Account No.

Account No.

Account No.

Account No.






In re ,Debtor


xxxx0551 Opened 2/01/06 Last Active 8/13/07Lease

Ford Motor Credit CorporationNational Bankruptcy Service CenterPo Box 537901Livonia, MI 48153

-

0.00

xxxxxxxxxxxx6416 Opened 5/01/01 Last Active 3/20/09ChargeAccount

GEMB / MervynsAttention: BankruptcyPo Box 103104Roswell, GA 30076

-

452.00

0012 2005Credit Card Debt

Household Bank90 Christiana RoadNew Castle, DE 19720

-

196.00

2443 2000Credit debt

Household Credit ServicesPo BOX 91716City of Industry, CA 91716

-

2,033.00

5847 2010Medical

Inland Valley AnestheisPO BOX 148Claremont, CA 91711

-

519.00

3,200.003 5



CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC




Account No.

Account No.

Account No.

Account No.

Account No.






In re ,Debtor


1875 2010Medical Bills

Inter Community Medical Center1521 W. Cameron AveWest Covina, CA 91790

-

457.00

7968 2005Credit Casd purchases

kohls/ChasePO BOX 3120Milwaukee, WI 53201

-

1,261.00

xxxxxxxxxxxx8075 Opened 4/01/01 Last Active 3/19/09ChargeAccount

Lowes / MBGAAttention: Bankruptcy DepartmentPo Box 103104Roswell, GA 30076

-

8,497.00

xxxxxxxxxxxx8837 Opened 6/01/09 Last Active 1/14/11FactoringCompanyAccount Hsbc

National Credit AdjustPo Box 3023Hutchinson, KS 67504

-

4,231.00

3743 1999Credit card

NordstromsPO BOX 13589Scottsdale, AZ 85267

-

4,456.00

18,902.004 5



CODEBTOR

CONTINGENT

UNLIQUIDATED

DISPUTED


HWJC




Account No.

Account No.

Account No.

Account No.

Account No.






In re ,Debtor


8701 4/2010medical

Premier Family Medical300 South Park Ave 5th FloorPomona, CA 91766

-

67.00

9430 unknownCredit debt

US BankPO BOX 790408Saint Louis, MO 63166

-

1,102.00

9403 UnknownUnknown


-

5,152.00

xxxxxxxxxxxx4576 Opened 11/01/06 Last Active 3/27/09CreditCard

Wf Fin BankWells Fargo Financial4137 121st StUrbendale, IA 50323

-

890.00

3020 2005Credit Card

WFFNBPO BOX 94498Las Vegas, NV 89193

-

3,764.00

10,975.005 5

85,214.00Total

(Report on Summary of Schedules)


}bk1{Schedule G - Executory Contracts and Unexpired Leases}bk{

In re ,Debtor


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 natureof debtor's interest in contract, i.e., "Purchaser", "Agent", etc. State whether debtor is the lessor or lessee of a lease. Provide the names andcomplete 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 notdisclose 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


0

Toyota Motor Credit CoMust call 800-874-8822 for mailing addre

Acct# 10272GS337Opened Opened 5/23/09 Last Active 12/05/10AutoLease


}bk1{Schedule H - Codebtors}bk{

In re ,Debtor


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 listedby 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, orWisconsin) within the eight year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and ofany former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names usedby 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 notdisclose 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


0


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

In re Anthony Ramos 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 isfiled, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly incomecalculated 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

SingleRELATIONSHIP(S):

Brothers DaughterBrothers DaughterDomestic Partner

AGE(S):131743

Employment: DEBTOR SPOUSEOccupation Assistant City ManagerName of Employer City of ClaremontHow long employed 4Address of Employer 207 Harvard Ave

Claremont, CA 91711INCOME: (Estimate of average or projected monthly income at time case filed) DEBTOR SPOUSE1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly) $ 14,293.50 $ N/A2. Estimate monthly overtime $ 0.00 $ N/A

3. SUBTOTAL $ 14,293.50 $ N/A

4. LESS PAYROLL DEDUCTIONSa. Payroll taxes and social security $ 2,968.33 $ N/Ab. Insurance $ 613.17 $ N/Ac. Union dues $ 0.00 $ N/Ad. Other (Specify) See Detailed Income Attachment $ 465.83 $ N/A

5. SUBTOTAL OF PAYROLL DEDUCTIONS $ 4,047.33 $ N/A

6. TOTAL NET MONTHLY TAKE HOME PAY $ 10,246.17 $ N/A

7. Regular income from operation of business or profession or farm (Attach detailed statement) $ 0.00 $ N/A8. Income from real property $ 0.00 $ N/A9. Interest and dividends $ 0.00 $ N/A10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that of

dependents listed above $ 0.00 $ N/A11. Social security or government assistance(Specify): $ 0.00 $ N/A

$ 0.00 $ N/A12. Pension or retirement income $ 0.00 $ N/A13. Other monthly income(Specify): Domestic Partners Contribution to household after taxes and $ 25.00 $ N/A

$ 0.00 $ N/A

14. SUBTOTAL OF LINES 7 THROUGH 13 $ 25.00 $ N/A

15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $ 10,271.17 $ N/A

16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $ 10,271.17

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


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


SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)Detailed Income Attachment

Other Payroll Deductions:

Survivor Benefits $ 2.17 $ N/ADefered Compensation $ 299.00 $ N/AComputer Purchase $ 69.33 $ N/A457 Loan $ 95.33 $ N/A

Total Other Payroll Deductions $ 465.83 $ N/A


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


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 monthlyexpenses 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 ofexpenditures labeled "Spouse."

1. Rent or home mortgage payment (include lot rented for mobile home) $ 2,879.00 a. Are real estate taxes included? Yes No X b. Is property insurance included? Yes No X2. Utilities: a. Electricity and heating fuel $ 400.00

b. Water and sewer $ 75.00c. Telephone $ 0.00d. Other See Detailed Expense Attachment $ 605.00

3. Home maintenance (repairs and upkeep) $ 150.004. Food $ 1,000.005. Clothing $ 280.006. Laundry and dry cleaning $ 60.007. Medical and dental expenses $ 216.008. Transportation (not including car payments) $ 750.009. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 150.0010. Charitable contributions $ 325.0011. Insurance (not deducted from wages or included in home mortgage payments)

a. Homeowner's or renter's $ 0.00b. Life $ 0.00c. Health $ 200.00d. Auto $ 590.00e. 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 theplan)

a. Auto $ 688.00b. Other $ 0.00c. Other $ 0.00

14. Alimony, maintenance, and support paid to others $ 0.0015. Payments for support of additional dependents not living at your home $ 0.0016. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ 0.0017. Other Personal Grooming for family $ 150.00 Other $ 0.00

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.)

$ 8,518.00

19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the yearfollowing the filing of this document:

20. STATEMENT OF MONTHLY NET INCOMEa. Average monthly income from Line 15 of Schedule I $ 10,271.17b. Average monthly expenses from Line 18 above $ 8,518.00c. Monthly net income (a. minus b.) $ 1,753.17


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B6J (Official Form 6J) (12/07)In re Anthony Ramos Case No.

Debtor(s)

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)Detailed Expense Attachment

Other Utility Expenditures:Cable/Internet/phone $ 150.00Cell phone $ 200.00Trash $ 80.00Gas Bill $ 175.00

Total Other Utility Expenditures $ 605.00


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



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 24sheets, and that they are true and correct to the best of my knowledge, information, and belief.

Date May 9, 2011 Signature /s/ Anthony RamosAnthony RamosDebtor

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



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B7 (Official Form 7) (04/10)



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 forboth spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether ornot 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 soleproprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all suchactivities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and thename 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, 11U.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 completeQuestions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answerto 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 "inbusiness" 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 ofthe 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 thedebtor's primary employment.

"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;corporations of which the debtor is an officer, director, or person in control; officers, directors, and any owner of 5 percent or more of the voting orequity securities of a corporate debtor and their relatives; affiliates of the debtor and insiders of such affiliates; any managing agent of the debtor. 11U.S.C. § 101.

None

1. Income from employment or operation of business

State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor'sbusiness, including part-time activities either as an employee or in independent trade or business, from the beginning of this calendaryear to the date this case was commenced. State also the gross amounts received during the two years immediately preceding thiscalendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year mayreport fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income foreach spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a jointpetition is filed, unless the spouses are separated and a joint petition is not filed.)

AMOUNT SOURCE$174,664.00 2009 Adjusted Gross Income$192,143.00 2008 Adjusted Gross Income$171,812.00 2010 Adjusted Gross Income



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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 businessduring the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income foreach spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a jointpetition is filed, unless the spouses are separated and a joint petition is not filed.)

AMOUNT SOURCE$5,564.00 2009 Federal Tax Refund$2,162.00 2009 State Refund$3,634.00 2008 Federal Refund$2,925.00 2008 Tax Refund$-3,323.00 2010 Federal Refund (Owed 3323)$821.00 2010 State Refund

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 valueof all property that constitutes or is affected by such transfer is less than $600. Indicate with an (*) any payments that were made to acreditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approvednonprofit budgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments byeither 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 ADDRESSOF CREDITOR

DATES OFPAYMENTS AMOUNT PAID

AMOUNT STILLOWING

None b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 daysimmediately preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by suchtransfer is less than $5,850*. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor onaccount of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofitbudgeting and credit counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments and othertransfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is notfiled.)

NAME AND ADDRESS OF CREDITOR

DATES OFPAYMENTS/TRANSFERS

AMOUNTPAID OR

VALUE OFTRANSFERS

AMOUNT STILLOWING

None c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit ofcreditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or bothspouses 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 ANDRELATIONSHIP TO DEBTOR DATE OF PAYMENT AMOUNT PAID

AMOUNT STILLOWING

* Amount subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.



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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 ofthis bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouseswhether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

CAPTION OF SUITAND CASE NUMBER

NATURE OFPROCEEDING

COURT OR AGENCYAND LOCATION

STATUS ORDISPOSITION

Capital OneVs.Tony Ramoscase number VRS1000810

Civil Breach ofcontract

Superior Court of Los Angeles,Pomonoa, CA

Judgment

Portfolio Recovery Associatesvs.Anthony RamosCase cvrs 1005315

Civil breach ofcontract

Superior court of San BernadinoRancho Cucamonga Division

Judgment

None b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediatelypreceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerningproperty of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is notfiled.)

NAME AND ADDRESS OF PERSON FOR WHOSEBENEFIT PROPERTY WAS SEIZED DATE OF SEIZURE

DESCRIPTION AND VALUE OFPROPERTY

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 orreturned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless thespouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OFCREDITOR OR SELLER

DATE OF REPOSSESSION,FORECLOSURE SALE,

TRANSFER OR RETURNDESCRIPTION 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 ofthis case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not ajoint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF ASSIGNEEDATE OFASSIGNMENT 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 immediatelypreceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerningproperty of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is notfiled.)

NAME AND ADDRESSOF CUSTODIAN

NAME AND LOCATIONOF COURT

CASE TITLE & NUMBERDATE OFORDER

DESCRIPTION AND VALUE OFPROPERTY



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None

7. Gifts

List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinaryand usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributionsaggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions byeither 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 OFPERSON OR ORGANIZATION

RELATIONSHIP TODEBTOR, IF ANY DATE OF GIFT

DESCRIPTION ANDVALUE OF GIFT

None

8. Losses

List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case orsince the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or bothspouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)


DESCRIPTION OF CIRCUMSTANCES AND, IFLOSS WAS COVERED IN WHOLE OR IN PART

BY INSURANCE, GIVE PARTICULARS DATE OF LOSS

None

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 consultationconcerning debt consolidation, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediatelypreceding the commencement of this case.

NAME AND ADDRESSOF PAYEE

DATE OF PAYMENT,NAME OF PAYOR IF OTHER

THAN DEBTOR

AMOUNT OF MONEYOR DESCRIPTION AND VALUE

OF PROPERTYLaw Office Of Christopher Hewitt2229 E. Bel Air LnGilbert, AZ 85234

$500 dollars on March 8, 2011 500

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 debtorsfiling under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless thespouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF TRANSFEREE,RELATIONSHIP TO DEBTOR DATE

DESCRIBE PROPERTY TRANSFERREDAND VALUE RECEIVED

None b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settledtrust or similar device of which the debtor is a beneficiary.

NAME OF TRUST OR OTHERDEVICE DATE(S) OF

TRANSFER(S)

AMOUNT OF MONEY OR DESCRIPTION ANDVALUE OF PROPERTY OR DEBTOR'S INTERESTIN 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, orotherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or otherfinancial 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 mustinclude 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 FOURDIGITS OF ACCOUNT NUMBER,

AND AMOUNT OF FINAL BALANCEAMOUNT AND DATE OF SALE

OR CLOSING



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5

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 yearimmediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes ordepositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is notfiled.)

NAME AND ADDRESS OF BANKOR OTHER DEPOSITORY

NAMES AND ADDRESSESOF THOSE WITH ACCESSTO BOX OR DEPOSITORY

DESCRIPTIONOF CONTENTS

DATE OF TRANSFER ORSURRENDER, IF ANY

None

13. Setoffs

List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding thecommencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or bothspouses 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 debtoroccupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separateaddress of either spouse.

ADDRESS NAME USED DATES OF OCCUPANCY

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 thecommencement of the case, identify the name of the debtor’s spouse and of any former spouse who resides or resided with the debtor inthe 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 hazardousor 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 formerlyowned 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 liableor 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 ADDRESSNAME AND ADDRESS OFGOVERNMENTAL UNIT

DATE OFNOTICE

ENVIRONMENTALLAW



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None b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of HazardousMaterial. Indicate the governmental unit to which the notice was sent and the date of the notice.

SITE NAME AND ADDRESSNAME AND ADDRESS OFGOVERNMENTAL UNIT

DATE OFNOTICE

ENVIRONMENTALLAW

None c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to whichthe 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 thedocket number.

NAME AND ADDRESS OFGOVERNMENTAL 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 andending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in apartnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six yearsimmediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securitieswithin 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 andending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within sixyears 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 andending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within sixyears immediately preceding the commencement of this case.

NAME

LAST FOUR DIGITS OFSOCIAL-SECURITY OROTHER INDIVIDUALTAXPAYER-I.D. NO.(ITIN)/ COMPLETE EIN ADDRESS NATURE OF BUSINESS

BEGINNING ANDENDING 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 hasbeen, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, orowner 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 soleproprietor, 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 godirectly 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 orsupervised 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 booksof account and records, or prepared a financial statement of the debtor.

NAME ADDRESS DATES SERVICES RENDERED



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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 recordsof 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 wasissued by the debtor within two years immediately preceding the commencement of this case.

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 SUPERVISORDOLLAR AMOUNT OF INVENTORY(Specify cost, market or other basis)

None b. List the name and address of the person having possession of the records of each of the two inventories reported in a., above.

DATE OF INVENTORYNAME AND ADDRESSES OF CUSTODIAN OF INVENTORYRECORDS

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 TITLENATURE AND PERCENTAGEOF 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 thecommencement 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 yearimmediately 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 compensationin any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding thecommencement of this case.

NAME & ADDRESSOF RECIPIENT,RELATIONSHIP TO DEBTOR

DATE AND PURPOSEOF WITHDRAWAL

AMOUNT OF MONEYOR DESCRIPTION ANDVALUE OF PROPERTY



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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 consolidatedgroup for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencementof the case.

NAME OF PARENT CORPORATION TAXPAYER IDENTIFICATION NUMBER (EIN)

None

25. Pension Funds.

If the debtor is not an individual, list the name and federal taxpayer-identification number of any pension fund to which the debtor, as anemployer, 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 theretoand that they are true and correct.


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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Form B203 - Disclosure of Compensation of Attorney for Debtor - (1/88) 1998 USBC, Central District of California


In re

Anthony Ramos

Debtor.

Case No.:

DISCLOSURE OF COMPENSATIONOF ATTORNEY FOR DEBTOR

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(s) andthat compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, forservices rendered or to be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is asfollows:

For legal services, I have agreed to accept $ 2,500.00

Prior to the filing of this statement I have received $ 500.00

Balance Due $ 2,000.00

2. $ 274.00 of the filing fee has been paid.

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

Debtor Other (specify):

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

Debtor Other (specify):

5. I have not agreed to share the above-disclosed compensation with any other person unless they are members andassociates of my law firm.

I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates ofmy law firm. A copy of the agreement, together with a list of the names of the people sharing in the compensation isattached.

6. 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 ofreaffirmation agreements and applications as needed; preparation and filing of motions pursuant to 11 USC522(f)(2)(A) for avoidance of liens on household goods.



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Form B203 Page Two - Disclosure of Compensation of Attorney for Debtor - (1/88) 1998 USBC, Central District of California

7. By agreement with the debtor(s), the above-disclosed fee does not include the following servicesRepresentation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions orany 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 thedebtor(s) in this bankruptcy proceeding.

May 9, 2011 /s/ Christopher HewittDate Christopher Hewitt 236568

Signature of AttorneyLaw Office Of Christopher HewittName of Law Firm2229 E. Bel Air LnGilbert, AZ 85234415-265-2917 Fax: 1-877-241-6366



5/09/11 4:37PM

February 2006 2006 USBC Central District of California



DEBTOR'S CERTIFICATION OF EMPLOYMENT INCOMEPURSUANT TO 11 U.S.C. § 521 (a)(1)(B)(iv)

Please fill out the following blank(s) and check the box next to one of the following statements:

I, Anthony Ramos , the debtor in this case, declare under penalty of perjury under the laws of the United States ofAmerica that:

I have attached to this certificate copies of my pay stubs, pay advices and/or other proof of employment incomefor the 60-day period prior to the date of the filing of my bankruptcy petition.(NOTE: the filer is responsible for blacking out the Social Security number on pay stubs prior to filing them.)

I was self-employed for the entire 60-day period prior to the date of the filing of my bankruptcy petition, andreceived no payment from any other employer.

I was unemployed for the entire 60-day period prior to the date of the filing of my bankruptcy petition.

I, , the debtor in this case, declare under penalty of perjury under the laws of the United States of America that:







}bk1{Attachment A}bk{Case 6:11-bk-25322-CB Doc 1 Filed 05/09/11 Entered 05/09/11 16:39:26 Desc Main Document of 61

5/09/11 4:37PM

B22C (Official Form 22C) (Chapter 13) (12/10)

In re Anthony Ramos According to the calculations required by this statement:The applicable commitment period is 3 years.The applicable commitment period is 5 years.Disposable income is determined under § 1325(b)(3).Disposable income is not determined under § 1325(b)(3).

(Check the boxes as directed in Lines 17 and 23 of this statement.)

Case Number:Debtor(s)

(If known)

CHAPTER 13 STATEMENT OF CURRENT MONTHLY INCOMEAND CALCULATION OF COMMITMENT PERIOD AND DISPOSABLE INCOME

In addition to Schedules I and J, this statement must be completed by every individual chapter 13 debtor, whether or not filing jointly. Joint debtorsmay complete one statement only.

Part I. REPORT OF INCOME

1Marital/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 2-10.b. Married. Complete both Column A ("Debtor's Income") and Column B ("Spouse's Income") for Lines 2-10.All figures must reflect average monthly income received from all sources, derived during the sixcalendar months prior to filing the bankruptcy case, ending on the last day of the month beforethe filing. If the amount of monthly income varied during the six months, you must divide thesix-month total by six, and enter the result on the appropriate line.

Column A

Debtor'sIncome

Column B

Spouse'sIncome

2 Gross wages, salary, tips, bonuses, overtime, commissions. $ 14,257.00 $

3

Income from the operation of a business, profession, or farm. Subtract Line b from Line a andenter the difference in the appropriate column(s) of Line 3. If you operate more than one business,profession or farm, enter aggregate numbers and provide details on an attachment. Do not enter anumber less than zero. Do not include any part of the business expenses entered on Line b asa deduction in Part IV.

$ 0.00 $

4

Rents and other real property income. Subtract Line b from Line a and enter the difference inthe appropriate column(s) of Line 4. Do not enter a number less than zero. Do not include anypart of the operating expenses entered on Line b as a deduction in Part IV.

$ 0.00 $

5 Interest, dividends, and royalties. $ 0.00 $

6 Pension and retirement income. $ 0.00 $

7

Any amounts paid by another person or entity, on a regular basis, for the householdexpenses of the debtor or the debtor's dependents, including child support paid for thatpurpose. Do not include alimony or separate maintenance payments or amounts paid by thedebtor's spouse. Each regular payment should be reported in only one column; if a payment islisted in Column A, do not report that payment in Column B. $ 0.00 $

8

Unemployment compensation. Enter the amount in the appropriate column(s) of Line 8.However, if you contend that unemployment compensation received by you or your spouse was abenefit under the Social Security Act, do not list the amount of such compensation in Column Aor B, but instead state the amount in the space below:

$ 0.00 $


0.00 $c. Rent and other real property income Subtract Line b from Line a

$ 0.00 $b. Ordinary and necessary business expenses $ 0.00 $c. Business income Subtract Line b from Line a

Debtor Spousea. Gross receipts

Debtor Spouse

Unemployment compensation claimed tobe a benefit under the Social Security Act Debtor $ 0.00 Spouse $

a. Gross receipts $ 0.00 $b. Ordinary and necessary operating expenses $


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B22C (Official Form 22C) (Chapter 13) (12/10) 2

9

Income from all other sources. Specify source and amount. If necessary, list additional sourceson a separate page. Total and enter on Line 9. Do not include alimony or separatemaintenance payments paid by your spouse, but include all other payments of alimony orseparate maintenance. Do not include any benefits received under the Social Security Act orpayments received as a victim of a war crime, crime against humanity, or as a victim ofinternational or domestic terrorism.

$ 25.00 $

10 Subtotal. Add Lines 2 thru 9 in Column A, and, if Column B is completed, add Lines 2 through 9in Column B. Enter the total(s). $ 14,282.00 $

11 Total. If Column B has been completed, add Line 10, Column A to Line 10, Column B, and enterthe total. If Column B has not been completed, enter the amount from Line 10, Column A. $ 14,282.00

Part II. CALCULATION OF § 1325(b)(4) COMMITMENT PERIOD12 Enter the amount from Line 11 $ 14,282.00

13

Marital Adjustment. If you are married, but are not filing jointly with your spouse, AND if you contend thatcalculation of the commitment period under § 1325(b)(4) does not require inclusion of the income of your spouse,enter on Line 13 the amount of the income listed in Line 10, Column B that was NOT paid on a regular basis forthe household expenses of you or your dependents and specify, in the lines below, the basis for excluding thisincome (such as payment of the spouse's tax liability or the spouse's support of persons other than the debtor or thedebtor's dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustmentson a separate page. If the conditions for entering this adjustment do not apply, enter zero.

Total and enter on Line 13 $ 0.00

14 Subtract Line 13 from Line 12 and enter the result. $ 14,282.00

15 Annualized current monthly income for § 1325(b)(4). Multiply the amount from Line 14 by the number 12 andenter the result. $ 171,384.00

16Applicable median family income. Enter the median family income for applicable state and household size. (Thisinformation is available by family size at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)

$ 78,869.00

17

Application of § 1325(b)(4). Check the applicable box and proceed as directed.The amount on Line 15 is less than the amount on Line 16. Check the box for "The applicable commitment period is 3 years" at thetop of page 1 of this statement and continue with this statement.

The amount on Line 15 is not less than the amount on Line 16. Check the box for "The applicable commitment period is 5 years"at the top of page 1 of this statement and continue with this statement.

Part III. APPLICATION OF § 1325(b)(3) FOR DETERMINING DISPOSABLE INCOME

18 Enter the amount from Line 11. $ 14,282.00

19

Marital Adjustment. If you are married, but are not filing jointly with your spouse, enter on Line 19 the total ofany income listed in Line 10, Column B that was NOT paid on a regular basis for the household expenses of thedebtor or the debtor's dependents. Specify in the lines below the basis for excluding the Column B income(such aspayment of the spouse's tax liability or the spouse's support of persons other than the debtor or the debtor'sdependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments on aseparate page. If the conditions for entering this adjustment do not apply, enter zero.

Total and enter on Line 19. $ 0.00

20 Current monthly income for § 1325(b)(3). Subtract Line 19 from Line 18 and enter the result. $ 14,282.00


$

Debtor

a. Enter debtor's state of residence: CA b. Enter debtor's household size: 4

Spousea.

a. $b. $c.

a. $b. $c. $

$

Domestic Partners Householdcontribution

$ 25.00 $

b. $


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21 Annualized current monthly income for § 1325(b)(3). Multiply the amount from Line 20 by the number 12 andenter the result. $ 171,384.00

22 Applicable median family income. Enter the amount from Line 16. $ 78,869.00

23

Application of § 1325(b)(3). Check the applicable box and proceed as directed.

The amount on Line 21 is more than the amount on Line 22. Check the box for "Disposable income is determined under §1325(b)(3)" at the top of page 1 of this statement and complete the remaining parts of this statement.

The amount on Line 21 is not more than the amount on Line 22. Check the box for "Disposable income is not determined under §1325(b)(3)" at the top of page 1 of this statement and complete Part VII of this statement. Do not complete Parts IV, V, or VI.

Part IV. CALCULATION OF DEDUCTIONS FROM INCOMESubpart A: Deductions under Standards of the Internal Revenue Service (IRS)

24A

National Standards: food, apparel and services, housekeeping supplies, personal care, and miscellaneous.Enter in Line 24A the "Total" amount from IRS National Standards for Allowable Living Expenses for theapplicable number of persons. (This information is available at www.usdoj.gov/ust/ or from the clerk of thebankruptcy court.) The applicable number of persons is the number that would currently be allowed as exemptionson your federal income tax return, plus the number of any additional dependents whom you support. $ 1,377.00

24B

National Standards: health care. Enter in Line a1 below the amount from IRS National Standards forOut-of-Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards forOut-of-Pocket Health Care for persons 65 years of age or older. (This information is available atwww.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) Enter in Line b1 the applicable number of personswho are under 65 years of age, and enter in Line b2 the applicable number of persons who are 65 years of age orolder. (The applicable number of persons in each age category is the number in that category that would currentlybe allowed as exemptions on your federal income tax return, plus the number of any additional dependents whomyou support.) Multiply Line a1 by Line b1 to obtain a total amount for persons under 65, and enter the result inLine c1. Multiply Line a2 by Line b2 to obtain a total amount for persons 65 and older, and enter the result in Linec2. Add Lines c1 and c2 to obtain a total health care amount, and enter the result in Line 24B.

$ 240.00

25A

Local Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing andUtilities Standards; non-mortgage expenses for the applicable county and family size. (This information isavailable at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court). The applicable family size consists ofthe number that would currently be allowed as exemptions on your federal income tax return, plus the number ofany additional dependents whom you support. $ 526.00

25B

Local Standards: housing and utilities; mortgage/rent expense. Enter, in Line a below, the amount of the IRSHousing and Utilities Standards; mortgage/rent expense for your county and family size (this information isavailable at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court) (the applicable family size consists ofthe number that would currently be allowed as exemptions on your federal income tax return, plus the number ofany additional dependents whom you support); enter on Line b the total of the Average Monthly Payments for anydebts secured by your home, as stated in Line 47; subtract Line b from Line a and enter the result in Line 25B. Donot enter an amount less than zero.

$ 0.00

26

Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 25A and25B does not accurately compute the allowance to which you are entitled under the IRS Housing and UtilitiesStandards, enter any additional amount to which you contend you are entitled, and state the basis for yourcontention in the space below:

$ 345.00


0.00

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

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

a. IRS Housing and Utilities Standards; mortgage/rent expense $ 1,460.00b. Average Monthly Payment for any debts secured by your

home, if any, as stated in Line 47 $ 2,769.00c. Net mortgage/rental expense Subtract Line b from Line a.

b1. Number of persons 4 b2. Number of persons

Acutal costs are much higher, has pool as well

0

c1. Subtotal 240.00 c2. Subtotal


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27A

Local Standards: transportation; vehicle operation/public transportation expense. You are entitled to anexpense allowance in this category regardless of whether you pay the expenses of operating a vehicle andregardless of whether you use public transportation.Check the number of vehicles for which you pay the operating expenses or for which the operating expenses areincluded as a contribution to your household expenses in Line 7. 0 1 2 or more.If you checked 0, enter on Line 27A the "Public Transportation" amount from IRS Local Standards:Transportation. If you checked 1 or 2 or more, enter on Line 27A the "Operating Costs" amount from IRS LocalStandards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area orCensus Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) $ 590.00

27B

Local Standards: transportation; additional public transportation expense. If you pay the operating expensesfor a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction foryour public transportation expenses, enter on Line 27B the "Public Transportation" amount from the IRS LocalStandards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcycourt.) $ 0.00

28

Local Standards: transportation ownership/lease expense; Vehicle 1. Check the number of vehicles for whichyou claim an ownership/lease expense. (You may not claim an ownership/lease expense for more than twovehicles.) 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 AverageMonthly Payments for any debts secured by Vehicle 1, as stated in Line 47; subtract Line b from Line a and enterthe result in Line 28. Do not enter an amount less than zero.

$ 296.87

29

Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you checkedthe "2 or more" Box in Line 28.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 AverageMonthly Payments for any debts secured by Vehicle 2, as stated in Line 47; subtract Line b from Line a and enterthe result in Line 29. Do not enter an amount less than zero.

$ 0.00

30Other 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, socialsecurity taxes, and Medicare taxes. Do not include real estate or sales taxes. $ 2,988.00

31Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthlydeductions that are required for your employment, such as mandatory retirement contributions, union dues, anduniform costs. Do not include discretionary amounts, such as voluntary 401(k) contributions. $ 68.00

32Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for termlife insurance for yourself. Do not include premiums for insurance on your dependents, for whole life or forany other form of insurance. $ 0.00

33Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are required topay pursuant to the order of a court or administrative agency, such as spousal or child support payments. Do notinclude payments on past due obligations included in line 49. $ 0.00

34Other Necessary Expenses: education for employment or for a physically or mentally challenged child. Enterthe total average monthly amount that you actually expend for education that is a condition of employment and foreducation that is required for a physically or mentally challenged dependent child for whom no public educationproviding similar services is available. $ 0.00

35 Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend onchildcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments. $ 0.00


a. IRS Transportation Standards, Ownership Costs $ 496.00

a. IRS Transportation Standards, Ownership Costs $ 496.00

b.Average Monthly Payment for any debts secured by Vehicle2, as stated in Line 47 $ 527.49

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

b.Average Monthly Payment for any debts secured by Vehicle1, as stated in Line 47 $ 199.13

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


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36Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend onhealth care that is required for the health and welfare of yourself or your dependents, that is not reimbursed byinsurance or paid by a health savings account, and that is in excess of the amount entered in Line 24B. Do notinclude payments for health insurance or health savings accounts listed in Line 39. $ 0.00

37Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that youactually pay for telecommunication services other than your basic home telephone and cell phone service - such aspagers, call waiting, caller id, special long distance, or internet service-to the extent necessary for your health andwelfare or that of your dependents. Do not include any amount previously deducted. $ 50.00

38 Total Expenses Allowed under IRS Standards. Enter the total of Lines 24 through 37. $ 6,480.87

Subpart B: Additional Living Expense DeductionsNote: Do not include any expenses that you have listed in Lines 24-37

39

Health Insurance, Disability Insurance, and Health Savings Account Expenses. List the monthly expenses inthe categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or yourdependents.

Total and enter on Line 39 $ 822.00

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

$

40Continued contributions to the care of household or family members. Enter the total average actual monthlyexpenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronicallyill, or disabled member of your household or member of your immediate family who is unable to pay for suchexpenses. Do not include payments listed in Line 34. $ 0.00

41Protection against family violence. Enter the total average reasonably necessary monthly expenses that youactually incur to maintain the safety of your family under the Family Violence Prevention and Services Act or otherapplicable federal law. The nature of these expenses is required to be kept confidential by the court. $ 0.00

42Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS LocalStandards for Housing and Utilities that you actually expend for home energy costs. You must provide your casetrustee with documentation of your actual expenses, and you must demonstrate that the additional amountclaimed is reasonable and necessary. $ 0.00

43

Education expenses for dependent children under 18. Enter the total average monthly expenses that youactually incur, not to exceed $147.92 per child, for attendance at a private or public elementary or secondaryschool by your dependent children less than 18 years of age. You must provide your case trustee withdocumentation of your actual expenses, and you must explain why the amount claimed is reasonable andnecessary and not already accounted for in the IRS Standards. $ 297.00

44

Additional food and clothing expense. Enter the total average monthly amount by which your food and clothingexpenses exceed the combined allowances for food and clothing (apparel and services) in the IRS NationalStandards, 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 isreasonable and necessary. $ 50.00

45Charitable contributions. Enter the amount reasonably necessary for you to expend each month on charitablecontributions in the form of cash or financial instruments to a charitable organization as defined in 26 U.S.C. §170(c)(1)-(2). Do not include any amount in excess of 15% of your gross monthly income. $ 325.00

46 Total Additional Expense Deductions under § 707(b). Enter the total of Lines 39 through 45. $ 1,494.00


Health Insurance $ 822.00b. Disability Insurance $ 0.00c. Health Savings Account $ 0.00

a.


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Subpart C: Deductions for Debt Payment

47

Future payments on secured claims. For each of your debts that is secured by an interest in property that youown, list the name of creditor, identify the property securing the debt, state the Average Monthly Payment, andcheck whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all amountsscheduled as contractually due to each Secured Creditor in the 60 months following the filing of the bankruptcycase, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the Average MonthlyPayments on Line 47.

Name of Creditor Property Securing the Debt AverageMonthlyPayment

Does paymentinclude taxesor insurance

a. City of Claremont $ 32.83 yes no

b. F&a Federal Credit Un2006 Ford F150 with 43000miles $ 199.13 yes no

c. Toyota Motor Credit Co2009 Toyota Camry with 30kmiles $ 527.49 yes no

d. Wells Fargo554 W. 21stUpland, CA 91784 $ 2,769.00 yes no

Total: Add Lines $ 3,528.45

48

Other payments on secured claims. If any of debts listed in Line 47 are secured by your primary residence, amotor vehicle, or other property necessary for your support or the support of your dependents, you may include inyour deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to thepayments listed in Line 47, in order to maintain possession of the property. The cure amount would include anysums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts inthe 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. Wells Fargo554 W. 21stUpland, CA 91784 $ 312.55

Total: Add Lines $ 312.55

49Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such aspriority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy filing. Donot include current obligations, such as those set out in Line 33. $ 59.87

50

Chapter 13 administrative expenses. Multiply the amount in Line a by the amount in Line b, and enter theresulting administrative expense.

$ 220.00

51 Total Deductions for Debt Payment. Enter the total of Lines 47 through 50. $ 4,120.87

Subpart D: Total Deductions from Income

52 Total of all deductions from income. Enter the total of Lines 38, 46, and 51. $ 12,095.74

Part V. DETERMINATION OF DISPOSABLE INCOME UNDER § 1325(b)(2)53 Total current monthly income. Enter the amount from Line 20. $ 14,282.00

54Support income. Enter the monthly average of any child support payments, foster care payments, or disabilitypayments for a dependent child, reported in Part I, that you received in accordance with applicable nonbankruptcylaw, to the extent reasonably necessary to be expended for such child. $ 0.00

55Qualified retirement deductions. Enter the monthly total of (a) all amounts withheld by your employer fromwages as contributions for qualified retirement plans, as specified in § 541(b)(7) and (b) all required repayments ofloans from retirement plans, as specified in § 362(b)(19). $ 303.00

56 Total of all deductions allowed under § 707(b)(2). Enter the amount from Line 52. $ 12,095.74


a. Projected average monthly Chapter 13 plan payment. $ 2,000.00b. Current multiplier for your district as determined under schedules

issued by the Executive Office for United States Trustees. (Thisinformation is available at www.usdoj.gov/ust/ or from the clerk ofthe bankruptcy court.) x 11.00

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


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57

Deduction for special circumstances. If there are special circumstances that justify additional expenses for whichthere is no reasonable alternative, describe the special circumstances and the resulting expenses in lines a-c below.If necessary, list additional entries on a separate page. Total the expenses and enter the total in Line 57. You mustprovide your case trustee with documentation of these expenses and you must provide a detailed explanationof the special circumstances that make such expense necessary and reasonable.

$ 0.00

58 Total adjustments to determine disposable income. Add the amounts on Lines 54, 55, 56, and 57 and enter theresult. $ 12,398.74

59 Monthly Disposable Income Under § 1325(b)(2). Subtract Line 58 from Line 53 and enter the result. $ 1,883.26

Part VI. ADDITIONAL EXPENSE CLAIMS

60

Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfareof 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 foreach item. Total the expenses.

Part VII. VERIFICATION

61

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

Anthony Ramos(Debtor)


b. $c. $

Expense Description Monthly Amounta. Car Insurance actual payment $ 590.00b. $c. $d. $

Total: Add Lines a, b, c and d $ 590.00

Total: Add Lines

Nature of special circumstances

Date: May 9, 2011 Signature: /s/ Anthony Ramos

Amount of Expensea. $


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Verification of Creditor Mailing List - (Rev. 10/05) 2005 USBC, Central District of California

MASTER MAILING LISTVerification Pursuant to Local Bankruptcy Rule 1007-2(d)

Name Christopher Hewitt 236568

Address 2229 E. Bel Air Ln Gilbert, AZ 85234

Telephone 415-265-2917 Fax: 1-877-241-6366

Attorney for Debtor(s)Debtor in Pro Per


List all names including trade names used by Debtor(s)within last 8 years:Anthony Ramos

Case No.:

Chapter: 13

VERIFICATION OF CREDITOR MAILING LIST

The above named debtor(s), or debtor's attorney if applicable, do hereby certify under penalty of perjury that the attachedMaster Mailing List of creditors, consisting of 5 sheet(s) is complete, correct, and consistent with the debtor's schedulespursuant to Local Rule 1007-2(d) and I/we assume all responsibility for errors and omissions.

Date: May 9, 2011 /s/ Anthony RamosAnthony RamosSignature of Debtor

Date: May 9, 2011 /s/ Christopher HewittSignature of AttorneyChristopher Hewitt 236568Law Office Of Christopher Hewitt2229 E. Bel Air LnGilbert, AZ 85234415-265-2917 Fax: 1-877-241-6366



}bk1{Creditor Address Matrix}bk{

Anthony Ramos554 W. 21st StreetUpland, CA 91784

Christopher HewittLaw Office Of Christopher Hewitt2229 E. Bel Air LnGilbert, AZ 85234

Acs/clc College Loan C501 Bleecker StUtica, NY 13501

Bank of AmericaPO BOX 17054Wilmington, DE 19850

Calvary Portfolio ServicesAttention: Bankruptcy DepartmentPo Box 1017Hawthorne, NY 10532

Capital onePO BOX 30285Salt Lake City, UT 84130

Capital One, N.a.Bankruptcy DeptPo Box 5155Norcross, GA 30091



City of Claremont207 Harvard AveClaremont, CA 91711

Collection Consultants6100 San Fernando Rd SteGlendale, CA 91201

Discount TirePO BOX 941439El Paso, TX 79998

Diversi Col555 Mccormick StSan Leandro, CA 94577

Dr AltwinPO BOX 1033Riverside, CA 92502

Dscvr/glelsi2401 InternationalMadison, WI 53704

F&a Federal Credit Un2625 Corporate PlMonterey Park, CA 91754

Firstarc/o US Bank Bankruptcy DeptPo Box 5229Cincinnati, OH 45201


Ford Motor Credit CorporationNational Bankruptcy Service CenterPo Box 537901Livonia, MI 48153

GEMB / MervynsAttention: BankruptcyPo Box 103104Roswell, GA 30076

Household Bank90 Christiana RoadNew Castle, DE 19720

Household Credit ServicesPo BOX 91716City of Industry, CA 91716

Inland Valley AnestheisPO BOX 148Claremont, CA 91711

Inter Community Medical Center1521 W. Cameron AveWest Covina, CA 91790

IRS5045 E. Butler AveFresno, CA 93888-0021

kohls/ChasePO BOX 3120Milwaukee, WI 53201


Lowes / MBGAAttention: Bankruptcy DepartmentPo Box 103104Roswell, GA 30076

National Credit AdjustPo Box 3023Hutchinson, KS 67504

NordstromsPO BOX 13589Scottsdale, AZ 85267

Premier Family Medical300 South Park Ave 5th FloorPomona, CA 91766

Specialized Loan ServicesPO BOX 105 219Atlanta, GA 30348

Toyota Motor Credit CoPO BOX 60116City of Industry, CA 91716-0016

Toyota Motor Credit CoMust call 800-874-8822 for mailing addre

Universal FidelityPO BOX 941911Houston, TX 77094




Wells FargoPO BOX 54349Los Angeles, CA 90054

Wf Fin BankWells Fargo Financial4137 121st StUrbendale, IA 50323

WFFNBPO BOX 94498Las Vegas, NV 89193


5/09/11 4:38PM

Name Christopher HewittAddress Law Office Of Christopher Hewitt

2229 E. Bel Air LnGilbert, AZ 85234

Telephone 415-265-2917 (FAX) 1-877-241-6366Email Address [email protected]

Attorney for DebtorState Bar No. 236568

Debtor(s) in Pro Se (Any reference to the singular shall include the plural in the case of joint debtors.)


List all names (including trade names) used by the debtor withinthe last 8 years:

Chapter 13 Case No.

Anthony RamosCHAPTER 13 PLAN

CREDITORS MEETING:Date:Time:Place:CONFIRMATION HEARING:Date: 3/10/11Time: 1:30Place: 3420 Twelfth St., Crtrm 303, Riverside, CA

92501

NOTICE

This Chapter 13 Plan is proposed by the above Debtor. The Debtor attests that the information stated in this Plan isaccurate. Creditors cannot vote on this Plan. However, creditors may object to this Plan being confirmed pursuant to 11U.S.C. § 1324. Any objection must be in writing and must be filed with the court and served upon the Debtor, Debtor'sattorney (if any), and the Chapter 13 Trustee not less than 7 days before the date set for the meeting of creditors. Unlessan objection is filed and served, the court may confirm this Plan. The Plan, if confirmed, modifies the rights and duties ofthe Debtor and creditors to the treatment provided in the Plan as confirmed, with the following IMPORTANTEXCEPTIONS:

Unless otherwise provided by law, each creditor will retain its lien until the earlier of payment of the underlying debtdetermined under non-bankruptcy law or discharge under 11 U.S.C.§1328. If the case under this chapter is dismissed orconverted without completion of the Plan, such lien shall also be retained by such holder to the extent recognized byapplicable non-bankruptcy law.

Defaults will be cured using the interest rate set forth below in the Plan. Any ongoing obligation will be paid according tothe terms of the Plan.


Revised December 2009 F3015-1.1Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy

Case 6:11-bk-25322-CB Doc 2 Filed 05/09/11 Entered 05/09/11 16:39:42 Desc Main Document Page 1 of 8

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Chapter 13 Plan (Rev. 12/09) - Page 2 2009 USBC, Central District of California

HOLDERS OF SECURED CLAIMS AND CLASS 1 CLAIMANTS WILL BE PAID ACCORDING TO THIS PLAN AFTERCONFIRMATION UNLESS THE SECURED CREDITOR OR CLASS 1 CLAIMANT FILES A PROOF OF CLAIM IN ADIFFERENT AMOUNT THAN THAT PROVIDED IN THE PLAN. If a secured creditor or a class 1 creditor files a proof ofclaim, that creditor will be paid according to that creditor’s proof of claim, unless the court orders otherwise.

HOLDERS OF ALL OTHER CLAIMS MUST TIMELY FILE PROOFS OF CLAIMS, IF THE CODE SO REQUIRES, ORTHEY WILL NOT BE PAID ANY AMOUNT. A Debtor who confirms a Plan may be eligible thereafter to receive adischarge of debts to the extent specified in 11 U.S.C. § 1328.

The Debtor proposes the following Plan and makes the following declarations:

I. PROPERTY AND FUTURE EARNINGS OR INCOME SUBJECT TO THE SUPERVISION AND CONTROL OF THECHAPTER 13 TRUSTEE:

The Debtor submits the following to the supervision and control of the Chapter 13 Trustee:

A. Payments by Debtor of $2,125.00 per month for 60 months. This monthly Plan Payment will begin within 30days of the date the petition was filed.

B. The base plan amount is $ 127,500.00 which is estimated to pay 30 % of the allowed claims of nonpriorityunsecured creditors. If that percentage is less than 100%, the Debtor will pay the Plan Payment stated in thisPlan for the full term of the Plan or until the base plan amount is paid in full, and the Chapter 13 Trustee mayincrease the percentage to be paid to creditors accordingly.

C. Amounts necessary for the payment of post-petition claims allowed under 11 U.S.C. § 1305.

D. Preconfirmation adequate protection payments for any creditor who holds an allowed claim secured by personalproperty where such security interest is attributable to the purchase of such property and preconfirmationpayments on leases of personal property whose allowed claim is impaired by the terms proposed in the plan.Preconfirmation adequate protection payments and preconfirmation lease payments will be paid to the Chapter13 Trustee for the following creditor(s) in the following amounts:

Creditor/Lessor Name Collateral Description Last 4 Digits of Account # AmountF&a Federal Credit Un 2006 Ford F150 with 43000

milesxxxxxx1700 $132.00

Each adequate protection payment or preconfirmation lease payment will commence on or before the 30th day fromthe date of filing of the case. The Chapter 13 Trustee shall deduct the foregoing adequate protection payment(s)and/or preconfirmation lease payment from the Debtor’s Plan Payment and disburse the adequate protectionpayment or preconfirmation lease payment to the secured(s) creditor(s) at the next available disbursement or as soonas practicable after the payment is received and posted to the Chapter 13 Trustee’s account. The Chapter 13 Trusteewill take his or her statutory fee on all disbursements made for preconfirmation adequate protection payments orpreconfirmation lease payments.

E. Other property: (specify property or indicate none)NONE




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II. ORDER OF PAYMENTS; CLASSIFICATION AND TREATMENT OF CLAIMS:Except as otherwise provided in the plan or by court order, the Chapter 13 Trustee shall disburse all available fundsfor the payment of claims as follows:

A. ORDER OF PAYMENTS:

1. If there are Domestic Support Obligations, the order of priority shall be:

(a) Domestic Support Obligations and the Chapter 13 Trustee’s fee not exceeding the amount accrued onpayments made to date;

(b) Administrative expenses (Class 1(a)) in an amount not exceeding % of each Plan Payment untilpaid in full;

2. If there are no Domestic Support Obligations, the order of priority shall be the Chapter 13 Trustee’s fee notexceeding the amount accrued on payments made to date, and administrative expenses (Class 1(a)) in anamount not exceeding % of each Plan Payment until paid in full.

3. Notwithstanding 1 and 2 above, ongoing payments on secured debts that are to be made by the Chapter 13Trustee from the Plan Payment; such secured debt may be paid by the Chapter 13 Trustee commencingwith the inception of Plan Payments.

4. Subject to 1, 2, and 3 above, pro rata to all other claims except as otherwise provided in the Plan.

5. No payment shall be made on nonpriority unsecured claims until all secured and priority claims have beenpaid in full.




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B. CLASSIFICATION AND TREATMENT OF CLAIMS:

CLASS 1ALLOWED UNSECURED CLAIMS ENTITLED TO PRIORITY UNDER 11 U.S.C. §507

The Debtor will pay Class 1 claims in full; except the debtor may provide for less than full payment of Domestic SupportObligations pursuant to 11 U.S.C. §1322(a)(4).

CATEGORY AMOUNT OFPRIORITY CLAIM

INTERESTRATE, if any

MONTHLYPAYMENT

NUMBER OFMONTHS

TOTALPAYMENT

a. Administrative Expenses

(1) Chapter 13 Trustee’s Fee – estimated at 11% of all payments to be made to all classes through this Plan.

(2) Attorney’s Fees $2,000.00 $1,000.00 2 $2,000.00

(3) Chapter 7 Trustee’s Fees

(4) Other

b. Other Priority Claims

(1) Internal Revenue Service

(2) Franchise Tax Board

(3) Domestic Support Obligation

(4) Other

IRS $3,592.00 0% $1,197.33 3 $3,592.00

c. Domestic Support Obligations that are not to be paid in full in the Plan (Specify Creditor Name):




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CLASS 2

CLAIMS SECURED SOLELY BY PROPERTY THAT IS THE DEBTOR’S PRINCIPAL RESIDENCEON WHICH OBLIGATION MATURES AFTER THE FINAL PLAN PAYMENT IS DUE

1. The post-confirmation monthly mortgage payment will be made by the Chapter 13 Trustee from the PlanPayment to:

2. The post-confirmation monthly mortgage payment will be made by the Debtor directly to:

(name of creditor) (last 4 digits of account number)

(name of creditor) (last 4 digits of account number)

The Debtor will cure all prepetition arrearages for the primary residence through the Plan Payment as set forth below.

Name of CreditorLast Four Digits ofAccount Number

Cure of DefaultAMOUNT OFARREARAGE

INTERESTRATE

MONTHLYPAYMENT

NUMBER OFMONTHS

TOTALPAYMENT

CLASS 3

CLAIMS SECURED BY REAL OR PERSONAL PROPERTY WHICH ARE PAID IN FULLDURING THE TERM OF THE PLAN

Name of CreditorLast FourDigits ofAccount

No.

CLAIMTOTAL

SECUREDCLAIM

AMOUNT

INTERESTRATE

EqualMonthlyPayment

NUMBEROF

MONTHS

TOTALPAYMENT

F&a Federal Credit Un xxxxxx1700 $13,208.00 $13,208.00 5.25 $250.77 60 $15,046.02

City of Claremont Ref codeRBWHVLCX

$2,287.00 $0.00 0.00 $0.00 0 $0.00




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CLASS 4

OTHER SECURED CLAIMS ON WHICH THE LAST PAYMENT IS DUE AFTER THE DATE ON WHICH THE FINALPAYMENT UNDER THE PLAN IS DUE

1. The post-confirmation monthly payment pursuant to the promissory note will be made by the Chapter 13Trustee from the Plan Payment to:

2. The post-confirmation monthly payment pursuant to the promissory note will be made by the Debtordirectly to:

Wells Fargo xxxxxxxxx4887(name of creditor) (last 4 digits of account number)

The Debtor will cure all prepetition arrearages on these claims through the Plan Payment as set forth below.

Name of CreditorLast Four Digits ofAccount Number

Cure of DefaultAMOUNT OFARREARAGE

INTERESTRATE

MONTHLYPAYMENT

NUMBER OFMONTHS

TOTALPAYMENT

Wells Fargo xxxxxxxxx4887 $18,753.00 0 $1,442.54 13 $18,753.00

CLASS 5

NON-PRIORITY UNSECURED CLAIMS

Debtor estimates that non-priority unsecured claims total the sum of $255,115.00 .Class 5 claims will be paid as follows:

(Check one box only.)

Class 5 claims (including allowed unsecured amounts from Class 3) are of one class and will be paid pro rata.

OR

Class 5 claims will be divided into subclasses as shown on the attached exhibit directly below (which also showsthe justification for the differentiation among the subclasses) and the creditors in each subclass will be paid pro rata.

III. COMPARISON WITH CHAPTER 7

The value as of the effective date of the Plan of property to be distributed under the Plan on account of each allowed claimis not less than the amount that would be paid on such claim if the estate of the Debtor were liquidated under chapter 7 ofthe Bankruptcy Code on such date. The amount distributed to nonpriority unsecured creditors in chapter 7 would be $ 0.00which is estimated to pay 0 % of the scheduled nonpriority unsecured debt.




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IV. PLAN ANALYSIS

CLASS 1a $2,000.00

CLASS 1b $3,592.00

CLASS 1c $0.00

CLASS 2 $0.00

CLASS 3 $15,046.02

CLASS 4 $18,753.00

CLASS 5 $75,473.58

SUB-TOTAL $114,864.60

CHAPTER 13 TRUSTEE'S FEE (Estimated 11% unlessadvised otherwise) $12,635.40

TOTAL PAYMENT $127,500.00

V. OTHER PROVISIONS

A. The Debtor rejects the following executory contracts and unexpired leases.Name of Other Party: Description of contract/lease:-NONE-

B. The Debtor assumes the executory contracts or unexpired leases set forth in this section. As to each contract orlease assumed, any defaults therein and Debtor’s proposal for cure of said default(s) is described in Class 4 ofthis Plan. The Debtor has a leasehold interest in personal property and will make all post-petition paymentsdirectly to the lessor(s):

Name of Other Party: Description of contract/lease:-NONE-

C. In addition to the payments specified in Class 2 and Class 4, the Debtor will make regular payments, includingany preconfirmation payments, directly to the following:

Creditor Name: Monthly Payment:Toyota Motor Credit Co $688.03

D. The Debtor hereby surrenders the following personal or real property. (Identify property and creditor to which it issurrendered.)

Creditor Name: Description:-NONE-

E. The Debtor shall incur no debt greater than $500.00 without prior court approval unless the debt is incurred inthe ordinary course of business pursuant to 11 U.S.C. §1304(b) or for medical emergencies.

F. Miscellaneous provisions: (Use Attachment, if necessary)

G. The Chapter 13 Trustee is authorized to disburse funds after the date confirmation is announced in open court.

H. The Debtor will pay timely all post-confirmation tax liabilities directly to the appropriate taxing authorities as theycome due.

I. The Debtor will pay all amounts required to be paid under a Domestic Support Obligation that first becamepayable after the date of the filing of the petition.




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VI. REVESTING OF PROPERTY

Property of the estate shall not revest in the Debtor until such time as a discharge is granted or the case isdismissed or closed without discharge. Revestment shall be subject to all liens and encumbrances in existencewhen the case was filed, except those liens avoided by court order or extinguished by operation of law. In theevent the case is converted to a case under chapter 7, 11, or 12 of the Bankruptcy Code, the property of theestate shall vest in accordance with applicable law. After confirmation of the Plan, the Chapter 13 Trustee shallhave no further authority or fiduciary duty regarding use, sale, or refinance of property of the estate except torespond to any motion for proposed use, sale, or refinance as required by the Local Bankruptcy Rules. Prior to anydischarge or dismissal, the Debtor must seek approval of the court to purchase, sell, or refinance real property.

Dated: May 9, 2011 /s/ Christopher HewittChristopher Hewitt

236568Attorney for Debtor(s)

/s/ Anthony RamosAnthony Ramos

Debtor




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Attorney or Party Name, Address, Telephone & FAX Numbers, and California State Bar NumberChristopher HewittLaw Office Of Christopher Hewitt2229 E. Bel Air LnGilbert, AZ 85234415-265-2917 Fax: 1-877-241-6366California State Bar Number: 236568

Attorney for Debtor

FOR COURT USE ONLY


CHAPTER 13

CASE NUMBER

In re

Anthony Ramos

Debtor(s).

RIGHTS AND RESPONSIBILITIESAGREEMENT BETWEENCHAPTER 13 DEBTORSAND THEIR ATTORNEYS

It is important for Debtors who file a chapter 13 bankruptcy case to understand their rights and responsibilities.It is also important for Debtors to know what their attorneys' responsibilities are and to communicate carefullywith their attorneys to make the case successful. Debtors also are entitled to expect certain services to beperformed by their attorneys. In order to assure that Debtors and their attorneys understand their rights andresponsibilities in the bankruptcy process, the following rights and responsibilities have been adopted by thecourt. The signatures below indicate that the responsibilities outlined in the agreement have been accepted bythe Debtors and their attorneys. Nothing in this agreement is intended to modify, enlarge or abridge the rightsand responsibilities of a "debt relief agency," as that term is defined and used in 11 U.S.C. § 101, et. seq.

Any attorney retained to represent a Debtor in a chapter 13 case is responsible for representing the Debtor onall matters arising in the case, other than adversary proceedings, unless otherwise ordered by the court. Theattorney may not withdraw absent a consensual withdrawal or substitution of counsel or approval by the courtof a motion for withdrawal or substitution of counsel considered after notice and a hearing. When appropriate,the attorney may apply to the court for compensation additional to the maximum initial fees set forth below inthis agreement.

BEFORE THE CASE IS FILED, THE DEBTOR AGREES TO:

1. Discuss with the attorney the Debtor's objectives in filing the case.

2. Timely provide the attorney with accurate information, financial and otherwise.

3. Timely provide the attorney with all documentation requested by the attorney, including but not limitedto, true and correct copies of the following documents*:

a. Certificate of Credit Counseling, together with the debt repayment plan, if any, prepared by thenonprofit budget and credit counseling agency that provided individual counseling services tothe debtor prior to bankruptcy.

b. Proof of income from all sources received during the period of 7 months before the date of thefiling of the petition, including but not limited to paycheck stubs, Social Security statements,worker’s compensation, rental, pension, disability, and self-employment income, and otherpayment advices. For businesses, the Debtor should provide report(s) disclosing monthlyincome and expenses for the period of 6 months before the date of the filing of the petition.

c. Proof of ability to pay from any person contributing income to the case.This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California.

January 2009 F 3015-1.7Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy


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Rights and Responsibilities Agreement Between Chapter 13 Debtors F 3015-1.7and Their Attorneys - Page 2 of 6

In reAnthony Ramos

Debtor(s).

CHAPTER 13

CASE NUMBER

d. Federal and state income tax returns, or transcripts of such returns, for the most recent tax yearending immediately before the commencement of the case.

e. Proof of the debtor’s identity, including a driver’s license, passport, or other documentcontaining a photograph of the debtor.

f. A record of the debtor’s interest, if any, in an educational individual retirement account or undera qualified State tuition program.

g. The name, address and telephone number of any person or state agency to whom the Debtorowes back child or spousal support, the name, address and telephone number of any person orstate agency to whom the Debtor makes current child or spousal support payments and allsupporting documents for the child or spousal support payments. Examples of supportingdocuments are a court order, declaration of voluntary support payments, separation agreement,divorce decree and a property settlement agreement.

h. Insurance policies owned by the debtor, including homeowner’s insurance, business insurance,automobile insurance, fire insurance, flood insurance, earthquake insurance, and credit lifeinsurance.

* All documents submitted to the attorney must be copies as the documents will not be returned to the Debtor.

AFTER THE CASE IS FILED, THE DEBTOR AGREES TO:

1. Timely make the required monthly payments.

2. Comply with the chapter 13 rules and procedures.

3. Keep the chapter 13 trustee and attorney informed of the Debtor’s current address and telephonenumber, and the Debtor’s employment status.

4. Sign a payroll deduction order, if one is required.

5. Inform the attorney of any change in the Debtor’s marital status, the commencement of any childsupport or spousal support obligation, or a change in any existing child support or spousal supportobligation.

6. Inform the attorney of any wage garnishments or liens or levies on assets that occur or continue afterthe filing of the case.

7. Contact the attorney promptly if the Debtor loses his or her job, encounters other new or unexpectedfinancial problems, if the Debtor’s income increases, or if the Debtor receives, or learns of the right toreceive, money or other proceeds of an inheritance or legal action.

8. Timely inform the attorney of any change in a creditor’s address or payment amount.

9. Keep records of all mortgage, vehicle and personal property payments made to all secured creditorsduring the case.

10. Provide the attorney with any federal tax returns or transcripts requested pursuant to 11 U.S.C. §521(f).

This form is mandatory. It has been approved for use by the United States Bankruptcy Court for the Central District of California.January 2009 F 3015-1.7Software Copyright (c) 1996-2011 CCH INCORPORATED - www.bestcase.com Best Case Bankruptcy


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In reAnthony Ramos

Debtor(s).

CHAPTER 13

CASE NUMBER

11. Contact the attorney promptly if the Debtor is sued during the case or if the Debtor commences alawsuit or intends to settle any dispute.

12. Inform the attorney if any tax refunds to which the Debtor is entitled are seized or not received whenexpected by the Debtor from the IRS or Franchise Tax Board.

13. Contact the attorney promptly before buying, refinancing, or selling real property, and before incurringsubstantial additional debt.

14. Pay directly to the attorney any filing fees.

BEFORE THE CASE IS FILED, THE ATTORNEY AGREES TO PROVIDE AT LEAST THE FOLLOWINGLEGAL SERVICES:

As used herein, the term "Personally" means that the described service shall be performed only by an attorneywho is a member in good standing of the State Bar of California and admitted to practice before this court. Theservice shall not be performed by a non-attorney even if such individual is employed by the attorney and underthe direct supervision and control of such attorney.

1. Personally meet with the Debtor to review the Debtor's assets, liabilities, income, andexpenses.

2. Personally counsel the Debtor regarding the advisability of filing either a chapter 13 or achapter 7 case, discuss both procedures with the Debtor, and answer the Debtor's questions.

3. Personally review with the Debtor the completed petition, plan, statements, and schedules, aswell as all amendments thereto, whether filed with the petition or later.

4. Personally explain to the Debtor that the attorney is being engaged to represent the Debtor onall matters arising in the case, as required by Local Bankruptcy Rule 3015-1(t).

5. Personally explain to the Debtor how and when the attorney’s fees and the trustee’s fees aredetermined and paid, and provide an executed copy of this document to the Debtor.

6. Timely prepare and file the Debtor’s petition, plan, statements, schedules, and requireddocuments and certificates.

7. Explain which payments must be made directly to creditors by the Debtor and which paymentswill be made through the Debtor's chapter 13 plan, with particular attention to mortgage andvehicle loan or lease payments.

8. Explain to the Debtor how, when, and where to make the chapter 13 plan payments.

9. Explain to the Debtor how, when, and where to make postpetition mortgage, mobile home,manufactured home, and vehicle loan and lease payments.

10. Advise the Debtor of the necessity to maintain appropriate insurance, including homeowner’sinsurance and liability, collision and comprehensive insurance on vehicles securing loans orleases.

AFTER THE CASE IS FILED, THE ATTORNEY AGREES TO PROVIDE AT LEAST THE FOLLOWING



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In reAnthony Ramos

Debtor(s).

CHAPTER 13

CASE NUMBER

LEGAL SERVICES:

1. Advise the Debtor of the requirement to attend the § 341(a) meeting of creditors, and instructthe Debtor as to the date, time, and place of the meeting. In the case of a joint filing, inform theDebtor that both spouses must appear.

2. Inform the Debtor that the Debtor must be punctual for the § 341(a) meeting of creditors."Punctual" means that the attorney and the debtor(s) must be present in time for check-in. Afterchecking in, if the attorney finds it necessary to request second call, the attorney and thedebtor(s) must be present for examination before the end of the calendar.

3. Attend the § 341(a) meetings and any court hearing, either personally or through anotherattorney from the attorney’s firm or through an appearance attorney who has been adequatelybriefed on the case.

4. Advise the Debtor if an appearance attorney will appear on the Debtor’s behalf at the § 341(a)meeting or any court hearing, and explain to the Debtor in advance, if possible, the role andidentity of the appearance attorney. In any event, the attorney is responsible to prepareadequately the appearance attorney in a timely fashion and to furnish the appearance attorneywith all necessary documents, hearing notes, and other necessary information in sufficient timeto allow for review of such information and proper representation of the Debtor.

5. Timely serve the plan and mandatory notice on all creditors.

6. Timely submit to the chapter 13 trustee properly documented proof of all sources of income forthe Debtor, including business reports and supporting documentation required by LocalBankruptcy Rules.

7. Timely respond to objections to plan confirmation and, where necessary, prepare, file, andserve an amended plan.

8. Timely prepare, file, and serve any necessary amended statements and schedules and anychange of address, in accordance with information provided by the Debtor.

9. Monitor all incoming case information throughout the case (including, but not limited to, OrderConfirming Plan, Notice of Intent to Pay Claims, and the chapter 13 trustee’s status reports) foraccuracy and completeness. Contact the trustee promptly regarding any discrepancies.

10. Review the claims register and the chapter 13 trustee’s notice of intent to pay claims after entryof a plan confirmation order.

11. File objections to improper or invalid claims, when appropriate.

12. Prepare and file a proof of claim, when appropriate, if a creditor fails to do so.

13. Prepare, file, and serve timely motions to modify the plan after confirmation, when necessary.

14. Prepare, file, and serve motions to buy, sell, or refinance real or other property, when appropriate.

15. Prepare, file, and serve any other motion that may be necessary to appropriately represent the Debtorin the case, including but not limited to, motions to impose or extend the automatic stay.



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In reAnthony Ramos

Debtor(s).

CHAPTER 13

CASE NUMBER

16. Timely respond to all motions filed by the chapter 13 trustee, and represent the Debtor in response toall other motions filed in the case, including but not limited to, motions for relief from stay.

17. When appropriate, prepare, file, and serve motions to avoid liens on real or personal property, andmotions to value the collateral of secured creditors.

18. Be available to respond to the Debtor’s questions throughout the term of the plan, and provide suchother legal services as are necessary for the administration of the case before the bankruptcy court.

19. Represent the Debtor at a discharge hearing, if required.

20. If not representing the Debtor in adversary proceedings, assist the Debtor in obtaining competentcounsel to represent the Debtor in any adversary proceeding filed in the case.

ALLOWANCE AND PAYMENT OF ATTORNEYS' FEES AND COSTS:

The guidelines in this district for payment of costs incurred in performing the services described in bold facetype in this agreement ("included Costs") and attorneys' fees in chapter 13 cases without a detailed feeapplication provide for the following maximum Included Costs and fees for the services described in thisagreement in bold face type (that is, the services described on pages 3 through 5 of this agreement): $4,500(excluding the petition filing fee) in cases where the Debtor is engaged in a business; or $4,000 (excluding thepetition filing fee) in all other cases. In this case the parties agree that the Included Costs (excluding thepetition filing fee) and fee for the services described in bold face type in this agreement will be $ 2,500.00 .

Other than the initial retainer, the attorney may not receive fees directly from the Debtor prior to confirmation.All other fees due through confirmation shall be paid through the plan unless otherwise ordered by the court.

If the attorney performs tasks on behalf of the Debtor not set forth in bold face, the attorney may apply to thecourt for additional fees and costs, but such applications will be reviewed by both the chapter 13 trustee andthe court. The attorney agrees to charge for such additional services at the rate of $ 200 per hour. Theattorney agrees to give the Debtor written notice of any change in the hourly rate prior to rendering additionalservices. Alternatively, the attorney may charge a reasonable flat fee for some specified service(s). In eitherevent, the attorney shall disclose to the court in the fee application any fees paid or costs reimbursed by theDebtor and the source of those payments. The attorney may receive fees for such additional services directlyfrom the Debtor. Any fees received directly from the Debtor will be deposited in the attorney’s trust accountuntil a fee application is approved by the court.

If the Debtor disputes the legal services provided or the fees charged by the attorney, the Debtor may file anobjection with the court and request a hearing. Should the representation of the Debtor create a hardship, theattorney may seek a court order allowing the attorney to withdraw from the case. The Debtor may dischargethe attorney at any time.Debtor's Signature. The Debtor’s signature below certifies that the Debtor has read, understands and agreesto the best of his or her ability to carry out the terms of this agreement, agrees to the scope of this agreement,and has received a signed copy of this agreement.

Attorney's Signature. The attorney’s signature below certifies that before the case was filed the attorneypersonally met with, counseled, and explained the foregoing matters to the Debtor and verified the numberand status of any prior bankruptcy case(s) filed by the Debtor or any related entity, as set forth in LocalBankruptcy Rule 1015-2. This agreement does not constitute the written fee agreement contemplated by the



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In reAnthony Ramos

Debtor(s).

CHAPTER 13

CASE NUMBER

California Business & Professions Code.

/s/ Anthony Ramos May 9, 2011Debtor Date

/s/ Christopher Hewitt May 9, 2011Attorney Date



5/04/11 2:00PM

February 2006 2006 USBC Central District of California



DEBTOR'S CERTIFICATION OF EMPLOYMENT INCOMEPURSUANT TO 11 U.S.C. § 521 (a)(1)(B)(iv)

Please fill out the following blank(s) and check the box next to one of the following statements:

I, Anthony Ramos , the debtor in this case, declare under penalty of perjury under the laws of the United States ofAmerica that:




I, , the debtor in this case, declare under penalty of perjury under the laws of the United States of America that:







}bk1{Attachment A}bk{Case 6:11-bk-25322-CB Doc 6 Filed 05/09/11 Entered 05/09/11 16:40:39 Desc Main Document Page 2 of 5

B9I (Official Form 9I) (Chapter 13 Case) (12/10)

UNITED STATES BANKRUPTCY COURT Central District Of CaliforniaNotice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines

The debtor(s) listed below filed a Chapter 13 bankruptcy case on May 9, 2011.

You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights. Alldocuments filed in the case may be inspected at the bankruptcy clerk's office atU. S. Bankruptcy Court, 3420 Twelfth Street,Riverside, CA 92501−3819

NOTE: The staff of the bankruptcy clerk's office cannot give legal advice.

See Reverse Side For Important ExplanationsDebtor(s) (name(s) and address):Anthony Ramos554 W. 21st StreetUpland, CA 91784

Case Number: 6:11−bk−25322−CB

All other names used by the Debtor(s) in the last 8 years (includemarried, maiden, and trade names): Debtor:Joint Debtor:

Last four digits of Social Security or Individual Taxpayer−ID (ITIN)No(s)./Complete EIN: Dbt SSN: xxx−xx−7594

Attorney for Debtor(s) (name and address):Christopher HewittLaw Office of Christopher Hewitt2229 E Bel Air LnGilbert, AZ 82234Telephone number: 415−265−2917

Bankruptcy Trustee (name and address):Amrane (RS) Cohen (TR)770 The City Dr So Ste #3300Orange, CA 92868Telephone number: 714−621−0200

Meeting of Creditors:Date: June 23, 2011 Time: 08:00 AMLocation: 3685 Main Street, 2nd Floor, Riverside., CA 92501

Deadlines:Papers must be received by the bankruptcy clerk's office by the following deadlines:

Deadline to File a Proof of Claim:For all creditors (except a governmental unit): September 21, 2011

For a governmental unit: (except as otherwise provided in Fed. R. Bankr. P. 3002 (c)(1)): November 7, 2011

Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: August 22, 2011Deadline to Object to Exemptions:

Thirty (30) days after the conclusion of the meeting of creditors.

Creditor with a Foreign Address:A creditor to whom this notice is sent at a foreign address should read the information under "Claims" on the reverse side.

Hearing on Confirmation of Plan:Date: June 23, 2011 Time: 01:30 PMLocation: 3420 Twelfth St., Crtrm 303, Riverside, CA 92501

The plan or a summary of the plan will be sent separately by the debtor.

Creditors May Not Take Certain Actions:In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor, the debtor'sproperty, and certain codebtors. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor canrequest the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, youmay be penalized. Consult a lawyer to determine your right in this case.

Address of the Bankruptcy Clerk's Office:3420 Twelfth Street,Riverside, CA 92501−3819Telephone number: 951−774−1000

For the Court:Clerk of the Bankruptcy Court:Kathleen J. Campbell

Hours Open: 9:00 AM − 4:00 PM Date: May 10, 2011(Form rev. 12/10:341−B9I) /

Case 6:11-bk-25322-CB Doc 8 Filed 05/09/11 Entered 05/09/11 16:41:34 Desc 341 Mtg of Creditors Ch 13 Page 1 of 3

EXPLANATIONS B9I (Official Form 9I) (12/10)

Filing of Chapter 13Bankruptcy Case

A bankruptcy case under Chapter 13 of the Bankruptcy Code (title 11, United States Code) has been filed in thiscourt by the debtor(s) listed on the front side, and an order for relief has been entered. Chapter 13 allows anindividual with regular income and debts below a specified amount to adjust debts pursuant to a plan. A plan is noteffective unless confirmed by the bankruptcy court. You may object to confirmation of the plan and appear at theconfirmation hearing. The plan or a summary of the plan will be sent separately by the debtor, and the confirmationhearing will be on the date indicated on the front of this notice. The debtor will remain in possession of the debtor'sproperty and may continue to operate the debtor's business if any unless the court orders otherwise.

Legal Advice The staff of the bankruptcy clerk's office cannot give legal advice. Consult an attorney to determine your rights inthis case.

Creditors GenerallyMay Not Take CertainActions

Prohibited collection actions against the debtor and certain codebtors are listed in Bankruptcy Code §362 and §1301.Common examples of prohibited actions include contacting the debtor by telephone, mail or otherwise to demandrepayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor's property;starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor's wages. Under certaincircumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court toexceed or impose a stay.

Meeting of Creditors A meeting of creditors is scheduled for the date, time, and location listed on the front side. The debtor (both spousesin a joint case) must be present at the meeting to be questioned under oath by the trustee and by creditors. Creditorsare welcome to attend, but are not required to do so. The meeting may be continued and concluded at a later datewithout further notice.

Claims A Proof of Claim is a signed statement describing a creditor's claim. If a Proof of Claim form is not included withthis notice, you can obtain one at any bankruptcy clerk's office. A secured creditor retains rights in its collateralregardless of whether that creditor files a Proof of Claim. If you do not file a Proof of Claim by the "Deadline to Filea Proof of Claim" listed on the front side, you might not be paid any money on your claim from other assets in thebankruptcy case. To be paid you must file a Proof of Claim even if your claim is listed in the schedules filed by thedebtor. Filing a Proof of Claim submits the creditor to the jurisdiction of the bankruptcy court, with consequences alawyer can explain. For example, a secured creditor who files a Proof of Claim may surrender importantnonmonetary rights, including the right to a jury trial. Filing Deadline for a Creditor with a Foreign Address: Thedeadlines for filing claims set forth on the front of this notice apply to all creditors. If this notice has been mailed toa creditor at a foreign address, the creditor may file a motion requesting the court to extend the deadline.

Discharge of Debts The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you maynever try to collect the debt from the debtor. If you believe that the debtor is not entitled to a discharge underBankruptcy Code § 1328(f), you must file a motion objecting to discharge in the bankruptcy clerk's office by the"Deadline to Object to Debtor's Discharge or to Challenge the Dischargeability of Certain Debts" listed on the frontof this form. If you believe that a debt owed to you is not dischargeable under Bankruptcy Code § 523(a)(2) or (4),you must file a complaint in the bankruptcy clerk's office by the same deadline. The bankruptcy clerk's office mustreceive the motion or the complaint and any required filing fee by that deadline.

Exempt Property The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributedto creditors, even if the debtor's case is converted to Chapter 7. The debtor must file a list of all property claimed asexempt. You may inspect that list at the bankruptcy clerk's office. If you believe that an exemption claimed by thedebtor is not authorized by law, you may file an objection to that exemption. The bankruptcy clerk's office mustreceive the objection by the "Deadline to Object to Exemptions" listed on the front side.

Proof of DebtorIdentification (ID)and Proof of SocialSecurity Number(SSN)

The U.S. Trustee requires that individual debtors must provide to the trustee at the meeting of creditors an originalpicture ID and proof of SSN. Failure to do so may result in the U.S. Trustee bringing a motion to dismiss the case.Permissible forms of ID include a valid state driver's license, government or state−issued picture ID, student ID,military ID, U.S. Passport or legal resident alien card. Proof of SSN includes Social Security Card, current W−2form, pay stub, IRS Form 1099, Social Security Administration Report, or other official document which indicatesname and SSN.

Failure to Appear atthe Section 341(a)Meeting and Hearingof Confirmation ofChapter 13 Plan

Appearance by debtor(s) and the attorney for the debtor(s) is required at both the Section 341(a) meeting and theconfirmation hearing. Unexcused failure by the debtor(s) to appear at either the Section 341(a) meeting and/or theconfirmation hearing may result in dismissal of the case.

Bankruptcy Clerk'sOffice

Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk's office at theU. S.Bankruptcy Court, 3420 Twelfth Street, Riverside, CA 92501−3819 You may inspect all papers filed,including the list of the debtor's property and debts and the list of the property claimed as exempt, at the bankruptcyclerk's office at the address listed above.

Creditor with aForeign Address

Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in thiscase.

Bankruptcy Fraudand Abuse

Any questions or information relating to bankruptcy fraud or abuse should be addressed to the Fraud ComplaintCoordinator, Office of the United States Trustee, 3685 Main Street, Suite 300, Riverside, CA 92501.

−− Refer to Other Side for Important Deadlines and Notices −−


NOTICE OF STANDING ORDER RE: TIME OF CHAPTER 13 CONFIRMATIONHEARING − RIVERSIDE DIVISION CASES

Pursuant to standing order entered by the court, notice is hereby given that the Riverside Division will hold the hearings on confirmation ofChapter 13 plans on the same date as the meetings of creditors required under 11 U.S.C. Section 341(a). Any party in interest who objects tothat timing of the confirmation hearing shall file a written objection thereto at least 20 calendar days before the scheduled confirmationhearing. The objecting party shall file the objection with the Court and serve it on the debtor, debtor's counsel, Chapter 13 trustee, and on anycreditor who has filed an objection to confirmation, filed a request for special notice, or holds a security interest in the real property of thedebtor. If a timely objection is received, the Court will reschedule the confirmation hearing.


United States Bankruptcy Court Central District of California

In re: Case No. 11-25322-CBAnthony Ramos Chapter 13 Debtor CERTIFICATE OF NOTICEDistrict/off: 0973-6 User: tgoinsC Page 1 of 2 Date Rcvd: May 10, 2011 Form ID: b9i Total Noticed: 40

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center onMay 12, 2011.db +Anthony Ramos, 554 W. 21st Street, Upland, CA 91784-1415aty +Christopher Hewitt, Law Office of Christopher Hewitt, 2229 E Bel Air Ln, Gilbert, AZ 85234-8525tr +Amrane (RS) Cohen (TR), 770 The City Dr So Ste #3300, Orange, CA 92868-692229299647 +Acs/clc College Loan C, 501 Bleecker St, Utica, NY 13501-240129299649 +Calvary Portfolio Services, Attention: Bankruptcy Department, Po Box 1017, Hawthorne, NY 10532-750429299653 +City of Claremont, 207 Harvard Ave, Claremont, CA 91711-471929299654 +Collection Consultants, 6100 San Fernando Rd Ste, Glendale, CA 91201-224729299655 Discount Tire, PO BOX 941439, El Paso, TX 7999829299656 +Diversi Col, 555 Mccormick St, San Leandro, CA 94577-110729299657 +Dr Altwin, PO BOX 1033, Riverside, CA 92502-103329299658 +Dscvr/glelsi, 2401 International, Madison, WI 53704-312129299659 +F&a Federal Credit Un, 2625 Corporate Pl, Monterey Park, CA 91754-764529299664 +Household Credit Services, Po BOX 91716, City of Industry, CA 91715-171629299665 +Inland Valley Anestheis, PO BOX 148, Claremont, CA 91711-014829299666 +Inter Community Medical Center, 1521 W. Cameron Ave, West Covina, CA 91790-273829299670 +National Credit Adjust, Po Box 3023, Hutchinson, KS 67504-302329299672 +Premier Family Medical, 300 South Park Ave 5th Floor, Pomona, CA 91766-150129299673 +Specialized Loan Services, PO BOX 105 219, Atlanta, GA 30348-521929299660 ++US BANK, PO BOX 5229, CINCINNATI OH 45201-5229 (address filed with court: Firstar, c/o US Bank Bankruptcy Dept, Po Box 5229, Cincinnati, OH 45201)29299678 ++US BANK, PO BOX 5229, CINCINNATI OH 45201-5229 (address filed with court: US Bank, PO BOX 108, Saint Louis, MO 63166)29299677 ++US BANK, PO BOX 5229, CINCINNATI OH 45201-5229 (address filed with court: US Bank, PO BOX 790408, Saint Louis, MO 63166)29299676 +Universal Fidelity, PO BOX 941911, Houston, TX 77094-891129299681 +WFFNB, PO BOX 94498, Las Vegas, NV 89193-4498

Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center.smg EDI: EDD.COM May 11 2011 02:08:00 Employment Development Dept., Bankruptcy Group MIC 92E, P.O. Box 826880, Sacramento, CA 94280-0001smg EDI: CALTAX.COM May 11 2011 02:08:00 Franchise Tax Board, Bankruptcy Section MS: A-340, P.O. Box 2952, Sacramento, CA 95812-295229299648 +EDI: BANKAMER2.COM May 11 2011 02:08:00 Bank of America, PO BOX 17054, Wilmington, DE 19850-705429299651 EDI: CAPITALONE.COM May 11 2011 02:08:00 Capital One, N.a., Bankruptcy Dept, Po Box 5155, Norcross, GA 3009129302403 EDI: BLINE.COM May 11 2011 02:08:00 CR Evergreen II, LLC, MS 550, PO Box 91121, Seattle, WA 98111-922129299650 +EDI: CAPITALONE.COM May 11 2011 02:08:00 Capital one, PO BOX 30285, Salt Lake City, UT 84130-028529299652 +EDI: CHASE.COM May 11 2011 02:08:00 Chase, PO BOX 15298, Wilmington, DE 19850-529829299661 EDI: FORD.COM May 11 2011 02:08:00 Ford Motor Credit Corporation, National Bankruptcy Service Center, Po Box 537901, Livonia, MI 4815329299662 +EDI: RMSC.COM May 11 2011 02:08:00 GEMB / Mervyns, Attention: Bankruptcy, Po Box 103104, Roswell, GA 30076-910429299663 +EDI: HFC.COM May 11 2011 02:08:00 Household Bank, 90 Christiana Road, New Castle, DE 19720-318729299667 EDI: IRS.COM May 11 2011 02:08:00 IRS, 5045 E. Butler Ave, Fresno, CA 93888-002129299669 +EDI: RMSC.COM May 11 2011 02:08:00 Lowes / MBGA, Attention: Bankruptcy Department, Po Box 103104, Roswell, GA 30076-910429299671 +E-mail/Text: [email protected] May 11 2011 02:12:59 Nordstroms, PO BOX 13589, Scottsdale, AZ 85267-358929299674 EDI: TFSR.COM May 11 2011 02:08:00 Toyota Motor Credit Co, PO BOX 60116, City of Industry, CA 91716-001629299679 +EDI: WFFC.COM May 11 2011 02:08:00 Wells Fargo, PO BOX 54349, Los Angeles, CA 90054-034929299680 +EDI: WFFC.COM May 11 2011 02:08:00 Wf Fin Bank, Wells Fargo Financial, 4137 121st St, Urbendale, IA 50323-231029299668 +EDI: CBSKOHLS.COM May 11 2011 02:08:00 kohls/Chase, PO BOX 3120, Milwaukee, WI 53201-3120 TOTAL: 17

***** BYPASSED RECIPIENTS (undeliverable, * duplicate) *****29299675 Toyota Motor Credit Co, Must call 800-874-8822 for mailing addre TOTALS: 1, * 0, ## 0

Addresses marked ’+’ were corrected by inserting the ZIP or replacing an incorrect ZIP.USPS regulations require that automation-compatible mail display the correct ZIP.

Addresses marked ’++’ were redirected to the recipient’s preferred mailing addresspursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

Case 6:11-bk-25322-CB Doc 9 Filed 05/12/11 Entered 05/12/11 21:58:05 Desc Imaged Certificate of Service Page 1 of 8

District/off: 0973-6 User: tgoinsC Page 2 of 2 Date Rcvd: May 10, 2011 Form ID: b9i Total Noticed: 40

***** BYPASSED RECIPIENTS (continued) *****

I, Joseph Speetjens, declare under the penalty of perjury that I have sent the attached document to the above listed entities in the manner shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and belief.

Meeting of Creditor Notices only (Official Form 9): Pursuant to Fed. R. Bank. P. 2002(a)(1), a notice containing the complete Social Security Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains the redacted SSN as required by the bankruptcy rules and the Judiciary’s privacy policies.

Date: May 12, 2011 Signature:


B9I (Official Form 9I) (Chapter 13 Case) (12/10)

UNITED STATES BANKRUPTCY COURT Central District Of CaliforniaNotice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines

The debtor(s) listed below filed a Chapter 13 bankruptcy case on May 9, 2011.

You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights. Alldocuments filed in the case may be inspected at the bankruptcy clerk's office atU. S. Bankruptcy Court, 3420 Twelfth Street,Riverside, CA 92501−3819

NOTE: The staff of the bankruptcy clerk's office cannot give legal advice.

See Reverse Side For Important ExplanationsDebtor(s) (name(s) and address):Anthony Ramos554 W. 21st StreetUpland, CA 91784

Case Number: 6:11−bk−25322−CB

All other names used by the Debtor(s) in the last 8 years (includemarried, maiden, and trade names): Debtor:Joint Debtor:

Last four digits of Social Security or Individual Taxpayer−ID (ITIN)No(s)./Complete EIN: Dbt SSN: xxx−xx−7594

Attorney for Debtor(s) (name and address):Christopher HewittLaw Office of Christopher Hewitt2229 E Bel Air LnGilbert, AZ 82234Telephone number: 415−265−2917

Bankruptcy Trustee (name and address):Amrane (RS) Cohen (TR)770 The City Dr So Ste #3300Orange, CA 92868Telephone number: 714−621−0200

Meeting of Creditors:Date: June 23, 2011 Time: 08:00 AMLocation: 3685 Main Street, 2nd Floor, Riverside., CA 92501

Deadlines:Papers must be received by the bankruptcy clerk's office by the following deadlines:

Deadline to File a Proof of Claim:For all creditors (except a governmental unit): September 21, 2011

For a governmental unit: (except as otherwise provided in Fed. R. Bankr. P. 3002 (c)(1)): November 7, 2011

Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: August 22, 2011Deadline to Object to Exemptions:

Thirty (30) days after the conclusion of the meeting of creditors.

Creditor with a Foreign Address:A creditor to whom this notice is sent at a foreign address should read the information under "Claims" on the reverse side.

Hearing on Confirmation of Plan:Date: June 23, 2011 Time: 01:30 PMLocation: 3420 Twelfth St., Crtrm 303, Riverside, CA 92501

The plan or a summary of the plan will be sent separately by the debtor.

Creditors May Not Take Certain Actions:In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor, the debtor'sproperty, and certain codebtors. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor canrequest the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, youmay be penalized. Consult a lawyer to determine your right in this case.

Address of the Bankruptcy Clerk's Office:3420 Twelfth Street,Riverside, CA 92501−3819Telephone number: 951−774−1000

For the Court:Clerk of the Bankruptcy Court:Kathleen J. Campbell

Hours Open: 9:00 AM − 4:00 PM Date: May 10, 2011(Form rev. 12/10:341−B9I) /


EXPLANATIONS B9I (Official Form 9I) (12/10)

Filing of Chapter 13Bankruptcy Case

A bankruptcy case under Chapter 13 of the Bankruptcy Code (title 11, United States Code) has been filed in thiscourt by the debtor(s) listed on the front side, and an order for relief has been entered. Chapter 13 allows anindividual with regular income and debts below a specified amount to adjust debts pursuant to a plan. A plan is noteffective unless confirmed by the bankruptcy court. You may object to confirmation of the plan and appear at theconfirmation hearing. The plan or a summary of the plan will be sent separately by the debtor, and the confirmationhearing will be on the date indicated on the front of this notice. The debtor will remain in possession of the debtor'sproperty and may continue to operate the debtor's business if any unless the court orders otherwise.

Legal Advice The staff of the bankruptcy clerk's office cannot give legal advice. Consult an attorney to determine your rights inthis case.

Creditors GenerallyMay Not Take CertainActions

Prohibited collection actions against the debtor and certain codebtors are listed in Bankruptcy Code §362 and §1301.Common examples of prohibited actions include contacting the debtor by telephone, mail or otherwise to demandrepayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor's property;starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor's wages. Under certaincircumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court toexceed or impose a stay.

Meeting of Creditors A meeting of creditors is scheduled for the date, time, and location listed on the front side. The debtor (both spousesin a joint case) must be present at the meeting to be questioned under oath by the trustee and by creditors. Creditorsare welcome to attend, but are not required to do so. The meeting may be continued and concluded at a later datewithout further notice.

Claims A Proof of Claim is a signed statement describing a creditor's claim. If a Proof of Claim form is not included withthis notice, you can obtain one at any bankruptcy clerk's office. A secured creditor retains rights in its collateralregardless of whether that creditor files a Proof of Claim. If you do not file a Proof of Claim by the "Deadline to Filea Proof of Claim" listed on the front side, you might not be paid any money on your claim from other assets in thebankruptcy case. To be paid you must file a Proof of Claim even if your claim is listed in the schedules filed by thedebtor. Filing a Proof of Claim submits the creditor to the jurisdiction of the bankruptcy court, with consequences alawyer can explain. For example, a secured creditor who files a Proof of Claim may surrender importantnonmonetary rights, including the right to a jury trial. Filing Deadline for a Creditor with a Foreign Address: Thedeadlines for filing claims set forth on the front of this notice apply to all creditors. If this notice has been mailed toa creditor at a foreign address, the creditor may file a motion requesting the court to extend the deadline.

Discharge of Debts The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you maynever try to collect the debt from the debtor. If you believe that the debtor is not entitled to a discharge underBankruptcy Code § 1328(f), you must file a motion objecting to discharge in the bankruptcy clerk's office by the"Deadline to Object to Debtor's Discharge or to Challenge the Dischargeability of Certain Debts" listed on the frontof this form. If you believe that a debt owed to you is not dischargeable under Bankruptcy Code § 523(a)(2) or (4),you must file a complaint in the bankruptcy clerk's office by the same deadline. The bankruptcy clerk's office mustreceive the motion or the complaint and any required filing fee by that deadline.

Exempt Property The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributedto creditors, even if the debtor's case is converted to Chapter 7. The debtor must file a list of all property claimed asexempt. You may inspect that list at the bankruptcy clerk's office. If you believe that an exemption claimed by thedebtor is not authorized by law, you may file an objection to that exemption. The bankruptcy clerk's office mustreceive the objection by the "Deadline to Object to Exemptions" listed on the front side.

Proof of DebtorIdentification (ID)and Proof of SocialSecurity Number(SSN)

The U.S. Trustee requires that individual debtors must provide to the trustee at the meeting of creditors an originalpicture ID and proof of SSN. Failure to do so may result in the U.S. Trustee bringing a motion to dismiss the case.Permissible forms of ID include a valid state driver's license, government or state−issued picture ID, student ID,military ID, U.S. Passport or legal resident alien card. Proof of SSN includes Social Security Card, current W−2form, pay stub, IRS Form 1099, Social Security Administration Report, or other official document which indicatesname and SSN.

Failure to Appear atthe Section 341(a)Meeting and Hearingof Confirmation ofChapter 13 Plan

Appearance by debtor(s) and the attorney for the debtor(s) is required at both the Section 341(a) meeting and theconfirmation hearing. Unexcused failure by the debtor(s) to appear at either the Section 341(a) meeting and/or theconfirmation hearing may result in dismissal of the case.

Bankruptcy Clerk'sOffice

Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk's office at theU. S.Bankruptcy Court, 3420 Twelfth Street, Riverside, CA 92501−3819 You may inspect all papers filed,including the list of the debtor's property and debts and the list of the property claimed as exempt, at the bankruptcyclerk's office at the address listed above.

Creditor with aForeign Address

Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in thiscase.

Bankruptcy Fraudand Abuse

Any questions or information relating to bankruptcy fraud or abuse should be addressed to the Fraud ComplaintCoordinator, Office of the United States Trustee, 3685 Main Street, Suite 300, Riverside, CA 92501.

−− Refer to Other Side for Important Deadlines and Notices −−


NOTICE OF STANDING ORDER RE: TIME OF CHAPTER 13 CONFIRMATIONHEARING − RIVERSIDE DIVISION CASES

Pursuant to standing order entered by the court, notice is hereby given that the Riverside Division will hold the hearings on confirmation ofChapter 13 plans on the same date as the meetings of creditors required under 11 U.S.C. Section 341(a). Any party in interest who objects tothat timing of the confirmation hearing shall file a written objection thereto at least 20 calendar days before the scheduled confirmationhearing. The objecting party shall file the objection with the Court and serve it on the debtor, debtor's counsel, Chapter 13 trustee, and on anycreditor who has filed an objection to confirmation, filed a request for special notice, or holds a security interest in the real property of thedebtor. If a timely objection is received, the Court will reschedule the confirmation hearing.


.Case 6:11-bk-25322-CB Doc 9 Filed 05/12/11 Entered 05/12/11 21:58:05 Desc

Imaged Certificate of Service Page 6 of 8

B10 (Official Form 10) (04/10)

UNITED STATES BANKRUPTCY COURT Central District Of California PROOF OF CLAIM

Name of Debtor: Anthony Ramos Case Number:6:11-25322-CB

NOTE: This form should not be used to make a claim for an administrative expense arising after the commencement of the case. A request for payment of anadministrative expense may be filed pursuant to 11 U.S.C. § 503.

Name of Creditor (the person or other entity to whom the debtor owes money or property): Check this box to indicate that this claimamends a previously filed claim.

Name and address where notices should be sent:

Telephone number:

Court Claim Number: ______________(If known)

Filed on:_____________________

Name and address where payment should be sent (if different from above):

Telephone number:

Check this box if you are aware that anyoneelse has filed a proof of claim relating to yourclaim. Attach copy of statement givingparticulars.

Check this box if you are the debtor or trusteein this case.

1. Amount of Claim as of Date Case Filed: $_______________________________

If all or part of your claim is secured, complete item 4 below; however, if all of your claim is unsecured, do notcomplete item 4.

If all or part of your claim is entitled to priority, complete item 5.

Check this box if claim includes interest or other charges in addition to the principal amount of claim. Attachitemized statement of interest or charges.

5. Amount of Claim Entitled to Priority under11 U.S.C. §507(a). If any portion of yourclaim falls in one of the following categories,check the box and state the amount.

Specify the priority of the claim.

Domestic support obligations under 11U.S.C. §507(a)(1)(A) or (a)(1)(B).

2. Basis for Claim: _____________________________(See instruction #2 on reverse side.) Wages, salaries, or commissions (up to

3. Last four digits of any number by which creditor identifies debtor: ______________________

3a. Debtor may have scheduled account as: ____________________(See instruction #3a on reverse side.)

$11,725*) earned within 180 days beforefiling of the bankruptcy petition or cessationof the debtor’s business, whichever is earlier- 11 U.S.C. §507 (a)(4).

4. Secured Claim(See instruction #4 on reverse side.)Check the appropriate box if your claim is secured by a lien on property or a right of setoff and provide therequested information.

Nature of property or right of setoff: Real Estate Motor Vehicle OtherDescribe:

Value of Property: $________________ Annual Interest Rate___%

Amount of arrearage and other charges as of time case filed included in secured claim,

if any: $__________________ Basis for perfection: ____________________

Amount of Secured Claim: $__________________ Amount Unsecured: $__________________

Contributions to an employee benefit plan - 11U.S.C. §507 (a)(5).

Up to $2,600* of deposits toward purchase,lease, or rental of property or services forpersonal, family, or household use - 11 U.S.C.§507 (a)(7).

Taxes or penalties owed to governmental units- 11 U.S.C. §507 (a)(8).

Other - Specify applicable paragraph of 11U.S.C. §507 (a)(__).

6. Credits: The amount of all payments on this claim has been credited for the purpose of making this proof of claim.

7. Documents:Attach redacted copies of any documents that support the claim, such as promissory notes, purchaseorders, invoices, itemized statements of running accounts, contracts, judgments, mortgages, and security agreements.You may also attach a summary. Attach redacted copies of documents providing evidence of perfection of a securityinterest. You may also attach a summary. (See instruction 7 and definition of "redacted" on reverse side.)

DO NOT SEND ORIGINAL DOCUMENTS. ATTACHED DOCUMENTS MAY BE DESTROYED AFTERSCANNING.

If the documents are not available, please explain:

Amount entitled to priority:

$_______________

*Amounts are subject to adjustment on 4/1/13and every 3 years thereafter with respect tocases commenced on or after the date ofadjustment.

Date: Signature: The person filing this claim must sign it. Sign and print name and title, if any, of the creditor or otherperson authorized to file this claim and state address and telephone number if different from the notice address

FOR COURT USE ONLY

above. Attach copy of power of attorney, if any.

Penalty for presenting fraudulent claim: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571.


B10 (Official Form 10) (04/10)- Cont.INSTRUCTIONS FOR PROOF OF CLAIM FORM

The instructions and definitions below are general explanations of the law. In certain circumstances, such as bankruptcy cases not filed voluntarily by the debtor, theremay be exceptions to these general rules.

Items to be completed in Proof of Claim formCourt, Name of Debtor, and Case Number:Fill in the federal judicial district where the bankruptcy case was filed (forexample, Central District of California), the bankruptcy debtor’s name, and thebankruptcy case number. If the creditor received a notice of the case from thebankruptcy court, all of this information is located at the top of the notice.

Creditor’s Name and Address:Fill in the name of the person or entity asserting a claim and the name andaddress of the person who should receive notices issued during the bankruptcycase. A separate space is provided for the payment address if it differs from thenotice address. The creditor has a continuing obligation to keep the courtinformed of its current address. See Federal Rule of Bankruptcy Procedure(FRBP) 2002(g).

1. Amount of Claim as of Date Case Filed:State the total amount owed to the creditor on the date of the Bankruptcyfiling. Follow the instructions concerning whether to complete items 4 and 5.Check the box if interest or other charges are included in the claim.

2. Basis for Claim:State the type of debt or how it was incurred. Examples include goods sold,money loaned, services performed, personal injury/wrongful death, car loan,mortgage note, and credit card. If the claim is based on the delivery of healthcare goods or services, limit the disclosure of the goods or services so as toavoid embarrassment or the disclosure of confidential health care information.You may be required to provide additional disclosure if the trustee or anotherparty in interest files an objection to your claim.

3. Last Four Digits of Any Number by Which Creditor Identifies Debtor:State only the last four digits of the debtor’s account or other number used bythe creditor to identify the debtor.

3a. Debtor May Have Scheduled Account As:Use this space to report a change in the creditor’s name, a transferred claim, orany other information that clarifies a difference between this proof of claimand the claim as scheduled by the debtor.

4. Secured Claim:Check the appropriate box and provide the requested information if the claim isfully or partially secured. Skip this section if the claim is entirely unsecured. (SeeDEFINITIONS, below.) State the type and the value of property that secures theclaim, attach copies of lien documentation, and state annual interest rate and theamount past due on the claim as of the date of the bankruptcy filing.

5. Amount of Claim Entitled to Priority Under 11 U.S.C. §507(a):If any portion of your claim falls in one or more of the listed categories, check theappropriate box(es) and state the amount entitled to priority. (See DEFINITIONS,below.) A claim may be partly priority and partly non-priority. For example, insome of the categories, the law limits the amount entitled to priority.

6. Credits:An authorized signature on this proof of claim serves as an acknowledgment thatwhen calculating the amount of the claim, the creditor gave the debtor credit forany payments received toward the debt.

7. Documents:Attach to this proof of claim form redacted copies documenting the existence ofthe debt and of any lien securing the debt. You may also attach a summary. Youmust also attach copies of documents that evidence perfection of any securityinterest. You may also attach a summary. FRBP 3001(c) and (d). If the claim isbased on the delivery of health care goods or services, see instruction 2. Do notsend original documents, as attachments may be destroyed after scanning.

Date and Signature:The person filing this proof of claim must sign and date it. FRBP 9011. If theclaim is filed electronically, FRBP 5005(a)(2), authorizes courts to establish localrules specifying what constitutes a signature. Print the name and title, if any, of thecreditor or other person authorized to file this claim. State the filer’s address andtelephone number if it differs from the address given on the top of the form forpurposes of receiving notices. Attach a complete copy of any power of attorney.Criminal penalties apply for making a false statement on a proof of claim.

__________DEFINITIONS__________ ______INFORMATION______

DebtorA debtor is the person, corporation, or other entitythat has filed a bankruptcy case.

CreditorA creditor is a person, corporation, or other entityowed a debt by the debtor that arose on or before thedate of the bankruptcy filing. See 11 U.S.C. §101(10).

ClaimA claim is the creditor’s right to receive payment ona debt owed by the debtor that arose on the date ofthe bankruptcy filing. See 11 U.S.C. §101 (5). Aclaim may be secured or unsecured.

Proof of ClaimA proof of claim is a form used by the creditor toindicate the amount of the debt owed by the debtoron the date of the bankruptcy filing. The creditormust file the form with the clerk of the samebankruptcy court in which the bankruptcy case wasfiled.

Secured Claim Under 11 U.S.C. §506(a)A secured claim is one backed by a lien on propertyof the debtor. The claim is secured so long as thecreditor has the right to be paid from the propertyprior to other creditors. The amount of the securedclaim cannot exceed the value of the property. Anyamount owed to the creditor in excess of the value ofthe property is an unsecured claim. Examples ofliens on property include a mortgage on real estateor a security interest in a car.

A lien may be voluntarily granted by a debtor or maybe obtained through a court proceeding. In somestates, a court judgment is a lien. A claim also maybe secured if the creditor owes the debtor money(has a right to setoff).

Unsecured ClaimAn unsecured claim is one that does not meet therequirements of a secured claim. A claim may bepartly unsecured if the amount of the claim exceedsthe value of the property on which the creditor has alien.

Claim Entitled to Priority Under 11 U.S.C.§507(a) Priority claims are certain categories ofunsecured claims that are paid from the availablemoney or property in a bankruptcy case before otherunsecured claims.

RedactedA document has been redacted when the personfiling it has masked, edited out, or otherwise deleted,certain information. A creditor should redact and useonly the last four digits of any social-security,individual’s tax-identi fication, or financial-accountnumber, all but the initials of a minor’s name andonly the year of any person’s date of birth.

Evidence of PerfectionEvidence of perfection may include a mortgage, lien,certificate of title, financing statement, or otherdocument showing that the lien has been filed orrecorded.

Acknowledgment of Filing of ClaimTo receive acknowledgment of your filing, you mayeither enclose a stamped self-addressed envelope and acopy of this proof of claim or you may access the court’sPACER system (_w_w_w_._p_a_c_e_r_._p_s_c_._u_s_c_o_u_r_t_s_._g_o_v) for asmall fee to view your filed proof of claim.

Offers to Purchase a ClaimCertain entities are in the business of purchasing claimsfor an amount less than the face value of the claims. Oneor more of these entities may contact the creditor andoffer to purchase the claim. Some of the writtencommunications from these entities may easily beconfused with official court documentation orcommunications from the debtor. These entities do notrepresent the bankruptcy court or the debtor. Thecreditor has no obligation to sell its claim. However, ifthe creditor decides to sell its claim, any transfer of suchclaim is subject to FRBP 3001(e), any applicableprovisions of the Bankruptcy Code (11 U.S.C. § 101 etseq.), and any applicable orders of the bankruptcy court.



CASE NO.: 6:11-bk-25322-CB

CHAPTER.: 13

REQUEST FOR COURTESYNOTIFICATION OF ELECTRONICFILING (NEF)

In re

ANTHONY RAMOS

Debtor.

To the Clerk of the U.S. Bankruptcy Court.

I hereby request to receive courtesy electronic notification of all documents filed in the above referencedcase. I understand the courtesy electronic notification shall be delivered via the Court’s CaseManagement/Electronic Filing (CM/ECF) system as a Notice of Electronic Filing (NEF), and that I mustbe a registered user of the Court’s CM/ECF system to be eligible for courtesy NEFs.

I further understand this request DOES NOT impose any obligation on the Court, the debtors or anyother party in the case to deliver courtesy copies of any orders, pleadings or other documents enteredon the docket by mail, telephone, facsimile, or any other means of electronic transmission.

(Please print or type)

NAME: DARLENE C. VIGIL

Law Firm: BARRETT DAFFIN FRAPPIER TREDER & WEISS, LLP

Telephone Number: (626) 915-5714

Dated:Signature

/s/ DARLENE C. VIGIL5/23/2011

NOTE: This form can only be filed electronically via the Court’s CM/ECF system. Requests for a courtesy NEF will not be accepted at the Intake window. Please follow the Instructions for Requesting a Courtesy Notification of Electronic Filing (NEF) for the use of this form carefully. The instructions are available on the Court’s website www.cacb.uscourts.gov under Forms/Rules/General Orders >Court Forms. You must scan this form to a PDF document, then file it electronically using docket event “Request for Courtesy Notification of Electronic Filing (NEF).”

bkcace_NEF_NOA.rpt-09/Central/Riverside/00000002474021 Page 1 of 1

May 2011

This form has been approved by the United States Bankruptcy Court for the Central District of California.
