United Statesbankruptcycourtnorthern District of California

UNITED STATESBANKRUPTCYCOURTNORTHERN DISTRICT OF CALIFORNIA

NameofDebtor:

LastfourdigitsofSoc.Sec.No.:LastfourdigitsofSoc.Sec.No.:

CaseNo.

CHAPTER 13 PLAN

Section1.Notices

1.01.Notices.

(a)Useofthisformismandatory.TheBankruptcyCourtoftheNorthernDistrictofCaliforniarequirestheuseofthislocalform chapter13planinlieuofanynationalform plan.Fed.R.Bankr.P.3015.1.

(b)NoticeofspecificplanprovisionsrequiredbyFed.R.Bankr.P.3015.1(c).Anynonstandardprovisionisinsection7below.

Iftheplanproposestolimittheamountofasecuredclaimbasedonavaluationofthecollateralfortheclaim,thisboxmustbechecked[ ].

Iftheplanproposestoavoidasecurityinterestorlien,thisboxmustbechecked[ ].

Iftherearenonstandardprovisions,thisboxmustbechecked[].Anonstandardprovisionwillbegivennoeffectunlessthissectionindicatesoneisincludedinsection7anditappearsinsection7.

1.02.Noalterationstoformplanpermitted.Otherthantoinserttextintodesignatedspaces,toexpandtablestoincludeadditionalitems,ortochangetheplantitletoindicatethedateoftheplanorthatitisamodifiedplan,thepreprintedtextofthisform shallnotbealtered. Nosuchalterationwillbegivenanyeffect.

1.03.Valuationofcollateralandlienavoidance.UnlessotherwiseprovidedinSection7below,astonon-governmentalunits,theconfirmationofthisplanwillnotlimittheamountofasecuredclaim basedonavaluationofthecollateralfortheclaim,norwillitavoidasecurityinterestorlien.Thisreliefrequiresaseparateclaimobjection,valuationmotionoradversaryproceeding,orlienavoidancemotion,withsupportingevidence,thatissuccessfullyprosecutedinconnectionwiththeconfirmationofthisplan.Determiningtheamountofsecuredandpriorityclaimsofgovernmentalunits,however,mustbedoneincompliancewithFed.R.Bankr.P.3012.

1.04.ConfirmationofPlan.Intheabsenceofatimelywrittenobjection,theplanmaybeconfirmedwithoutahearing.Itwillbeeffectiveuponitsconfirmation.

Section2.PlanPaymentsandPlanDuration

2.01.Monthlyplanpayments.Tocompletethisplan,DebtorshallsubmittothesupervisionandcontrolofTrusteeonamonthlybasisthesum of$ from futureearnings.Thismonthlyplanpaymentissubjecttoadjustmentpursuanttosection3.07(b)(5)belowanditmustbereceivedbyTrusteenotlaterthanthe20thdayofeachmonthbeginningthemonthaftertheorderforreliefunderchapter13.ThemonthlyplanpaymentincludesalladequateprotectionpaymentsdueonClass2securedclaims.

2.02.Otherpayments.Inadditiontothesubmissionoffutureearnings,Debtorwillmakepayment(s)derivedfrompropertyofthebankruptcyestate,propertyofDebtor,orfromothersources,asfollows:

2.03.Durationofpayments.Themonthlyplanpaymentswillcontinueformonthsunlessallallowedunsecuredclaimsarepaidinfullwithinashorterperiodoftime.Ifnecessarytocompletetheplan,monthlypaymentsmaycontinueforanadditional6months,butinnoeventmayaplanbeproposedandconfirmedthatexceeds60months.Thissectionistobereadinconjunctionwithsection3.14.

Section3.ClaimsandExpenses

ProofsofClaim

3.01.Withtheexceptionofthepaymentsrequiredbysections3.03,3.07(b),3.08(b),3.10,and4.01,aclaimwillnotbepaidpursuanttothisplanunlessaproofofclaimisfiledbyoronbehalfofacreditor,includingasecuredcreditor.

3.02.Theproofofclaim,notthisplanortheschedules,shalldeterminetheamountandclassificationofaclaimunlessthecourt’sdispositionofaclaimobjection,valuationmotion,adversaryproceeding,confirmedplan,orlienavoidancemotionaffectstheamountorclassificationoftheclaim,consistentwithsection1.03.

3.03.Post-petitionamountsdueonaccountofadomesticsupportobligation,aloanfromretirementorthriftsavingsplan,oranexecutorycontract/unexpiredleasebeingassumed,shallbepaidbyDebtordirectlytothepersonentitledtosuchpaymentswhetherornottheplanisconfirmedoraproofofclaim hasbeenfiled.

B. AdministrativeExpenses

3.04.Trustee’sfees.Pursuantto28U.S.C.§586(e),Trusteeshallretainupto10%ofplanpayments,whethermadebeforeorafterconfirmation,butexcludingdirectpaymentsbyDebtorprovidedforbytheplan.

3.05.Debtor’sattorney’sfees.Debtor’sattorneywaspaid$priortothefilingofthecase.Additionalfeesof$ shallbepaidthroughthisplanuponcourtapproval.Debtor’sattorneywillseekthe

court’sapprovalby[chooseone]:☐complyingwithGeneralOrder35;or ☐ filingandservingamotioninaccordancewith11U.S.C.§§329and330,Fed.R.Bankr.P.2002,2016,and2017[ifneitheralternativeisselected,theattorneyshallcomplywiththelatter].

3.06.Administrativeexpenses.Inaccordancewithsections5.02and5.03below,$ofeachmonthlyplanpaymentshallbepaidonaccountof:(a)compensationdueaformerchapter7trustee;(b)approvedadministrativeexpenses;and(c)approvedattorney’sfees.Approvedadministrativeexpensesshallbepaidinfullthroughthisplanexcepttotheextentaclaimantagreesotherwiseor11U.S.C.§1326(b)(3)(B)isapplicable.

C. SecuredClaims

3.07.Class1includesalldelinquentsecuredclaimsthatmatureafterthecompletionofthisplan,includingthosesecuredbyDebtor’sprincipalresidence.

(a)Cureofdefaults.AllarrearsonClass1claimsshallbepaidinfullbyTrustee.Themonthlyinstallmentsspecifiedinthetablebelowasthe“monthlyarrearagedividend,”inconjunctionwiththedistributionschemeinsection5ofthisplan,shallpaythearrearsinfull.

(1)Unlessotherwisespecifiedbelow,interestwillaccrueattherateof0%.

(2)ThearrearagedividendmustbeappliedbytheClass1creditortothearrears.Ifthisplanprovidesforinterestonthearrears,thearrearagedividendshallbeappliedfirsttosuchinterest,thentothearrears.

(b)Maintainingpayments.Fromplanpaymentsreceived,Trusteeshallmakeallpost-petitionmonthlypaymentstotheholderofeachClass1claim whetherornotthisplanisconfirmedoraproofofclaimisfiled.

(1)Unlesssub-part(b)(1)(A)or(B)of thissectionisapplicable,theamountofthepost-petitionmonthlypaymentshallbetheamountspecifiedintheplan.

(A)Iftheamountspecifiedintheplanisincorrect,theClass1creditormaydemandthecorrectamountinitsproofofclaim.Unlessanduntilanobjectiontosuchproofofclaimissustained,thetrusteeshallpaythepaymentamountdemandedintheproofofclaim.

(B)Wheneverthepost-petitionmonthlypaymentamountisadjustedinaccordancewiththeunderlyingloandocumentation,includingchangesresultingfromaninterestrateorescrowaccountadjustment,theClass1creditorshallgivenoticeofpaymentchangepursuanttoFed.R.Bankr.P.3002.1(b).Noticeofthechangeinaproofofclaimisnotsufficient.Untilandunlessanobjectiontoanoticeofpaymentchangeissustained,thetrusteeshallpaytheamountdemandedinthenoticeofpaymentchange.

(2)IfDebtormakesapartialplanpaymentthatisinsufficienttosatisfyallpost-petitionmonthlypaymentsdueeachClass1claim,distributionswillbemadeintheordersuchclaimsarelistedinthetablebelow.

(3)Trusteewillnotmakeapartialdistributiononaccountofapost-petitionmonthlypayment.

(4)IfDebtormakesapartialplanpayment,orifitisnotpaidontime,andTrusteeisunabletomaketimelyapost-petitionmonthlypayment,Debtormaybeobligatedtopayalatecharge.

(5)IftheholderofaClass1claimfilesanoticeofpaymentchangeinaccordancewithFed.R.Bankr.P.3002.1(b)demandingahigherorlowerpost-petitionmonthlypayment,theplanpaymentshallbeadjustedaccordingly,withoutmodificationoftheplan.

(6)IftheholderofaClass1claimgivesDebtorandTrusteenoticeofpost-petitionfees,expenses,andchargesinaccordancewithFed.R.Bankr.P.3002.1(c),DebtormaymodifythisplanifDebtorwishestoprovideforsuchfees,expenses,andcharges.

(7)Post-petitionmonthlypaymentsmadebyTrusteeandreceivedbytheholderofaClass1claim shallbeappliedasiftheclaimwascurrentandnoarrearageexistedonthedatethecasewasfiled.

(c)Noclaimmodificationandlienretention.EachClass1creditorshallretainitslien.Otherthantocurearrears,thisplandoesnotmodifyClass1claims.

Class1Creditor’sName/CollateralDescription / AmountofArrears / InterestRateonArrears / MonthlyArrearageDividend / MonthlyArrearageDividendStartDate(StartDatewillbeaspecificmonth/yearduringtheplan) / Post-PetitionMonthlyPayment
1.
2.
3.
Totals:$ / $

3.08.Class2includesallsecuredclaimsthataremodifiedbythisplan,orthathavematuredorwillmaturebeforetheplaniscompleted.

(a)Paymentofclaim.Subjecttosection3.08(c),the“monthlydividend”payabletoeachClass2Aand2Bclaimisamonthlypaymentsufficienttopayeachclaiminfullwithinterestattheratespecifiedbelow.Ifnointerestrateisspecified,a5%ratewillbeimputed.

(b)Adequateprotectionpayments.Priortoconfirmationandonceaproofofclaimisfiled,TrusteeshallpayonaccountofeachClass2(A)and2(B)claim securedbyapurchasemoneysecurityinterestinpersonalpropertyanadequateprotectionpaymentifrequiredby11U.S.C.§1326(a)(1)(C).Theadequateprotectionpaymentshallequalthemonthlydividend.AdequateprotectionpaymentsshallbedisbursedbyTrusteeinconnectionwiththecustomarydisbursementcyclebeginningthemonthafterthecasewasfiled.IfaClass2claimantispaidanadequateprotectionpayment,thatclaimantshallnotbepaidamonthlydividendforthesamemonth.

(c)Claimamount.TheamountofaClass2claimisdeterminedbyapplicablenonbankruptcylaw.However,exceptasnotedbelow,Debtormayreducetheclaim amounttothevalueofthecollateralsecuringitbycomplyingwithSection1.03above.

(1)Class2claimsthatcannotbereducedbasedonvalueofcollateral.Debtorisprohibitedfromreducingaclaim iftheclaim holderhasapurchasemoneysecurityinterestandtheclaim eitherwasincurredwithin910daysofthefilingofthecaseandissecuredbyamotorvehicleacquiredforthepersonaluseofDebtor,orwasincurredwithin1-yearofthefilingofthecaseandissecuredbyanyotherthingofvalue.TheseclaimsmustbeincludedinClass2(A).

(2)Class2claimsthatmaybereducedbasedonthevalueoftheircollateralshallbeincludedinClass2(B)or2(C)asisappropriate.

(3)Class2claimssecuredbyDebtor’sprincipalresidence.Exceptaspermittedby11U.S.C.§1322(c),Debtorisprohibitedfrom modifyingtherightsofaholderofaclaim securedonlybyDebtor’sprincipalresidence.

(d)Lienretention.EachClass2creditorshallretainitsexistinglienonthepropertyinterestoftheDebtorortheEstateuntiltheearlierof:(a)paymentoftheunderlyingdebtdeterminedundernonbankruptcylaw,or(b)completionoftheplanand,unlessnotrequiredbythebankruptcycourt,entryofDebtor’sdischargeunder11

U.S.C.§1328.

Class2(A)Creditor’snameanddescriptionofcollateral / Purchasemoneysecurityinterestinpersonalproperty?
YES/NO / Amountclaimedbycreditor / Valueofcreditor’sinterestinitscollateral / InterestRate / MonthlyDividend
Class2(A)claimsarenotreducedbasedonvalueofcollateral
1.
2.
Total$
Class2(B)Creditor’snameanddescriptionofcollateral / Purchasemoneysecurityinterestinpersonalproperty?
YES/NO / Amountclaimedbycreditor / Valueofcreditor’sinterestinitscollateral / InterestRate / MonthlyDividend
Class2(B)claimsarereduced toanamountgreaterthan$0basedonvalueofcollateral
1.
2.
Total$
Class2(C)Creditor’snameanddescriptionofcollateral / Purchasemoneysecurityinterestinpersonalproperty?
YES/NO / Amountclaimedbycreditor / Valueofcreditor’sinterestinitscollateral / InterestRate / MonthlyDividend
Class2(C)areclaimsreduced to$0basedonvalueofcollateral
1. / $0.00 / 0% / $0.00
2. / $0.00 / 0% / $0.00
Total$$0.00

3.09.Class3includesallsecuredclaimssatisfiedbythesurrenderofcollateral.

Class3Creditor’sName/CollateralDescription / EstimatedDeficiency / IsDeficiencyaPriorityClaim?
YES/NO
1.
2.

3.10.Class4includesallsecuredclaimspaiddirectlybyDebtororthirdparty.Class4claimsarenotindefaultandarenotmodifiedbythisplan.TheseclaimsshallbepaidbyDebtororathirdpersonwhetherornotaproofofclaimisfiledortheplanisconfirmed.

Class4Creditor’sName/CollateralDescription / MonthlyContractInstallment / PersonMakingPayment
1.
2.

3.11.Bankruptcystays.

(a)Uponconfirmationoftheplan,theautomaticstayof11U.S.C.§362(a)andtheco-debtorstayof11U.S.C.

§1301(a)are(1)terminatedtoallowtheholderofaClass3securedclaim toexerciseitsrightsundernon-bankruptcylawagainstitscollateral;and(2)modifiedtoallowthenondebtorpartytoanunexpiredleasethatisindefaultandrejectedinsection4ofthisplantoobtainpossessionofleasedproperty,andtodisposeofitunderapplicablelaw,andtoexerciseitsrightsagainstanynondebtor.

(b)SecuredclaimsnotlistedasClass1,2,3,or4claimsarenotprovidedforbythisplan.Whilethismaybecausetoterminatetheautomaticstay,suchreliefmustbeseparatelyrequestedbytheclaim holder.

(c)If,afterconfirmationoftheplan,thecourtgrantsamotiontoterminatetheautomaticstaytopermitaClass1or2claim holdertoproceedagainstitscollateral,unlessthecourtordersotherwise,Trusteeshallmakenofurtherpaymentsonaccountofsuchclaim andanyportionofsuchclaim notpreviouslysatisfiedunderthisplanshallbesatisfiedasaClass3claim.Anydeficiencyremainingafterthecreditor’sdispositionofitscollateralshallbesatisfiedasaClass7unsecuredclaimsubjecttothefilingofaproofofclaim.

D. UnsecuredClaims

3.12.Class5consistsofunsecuredclaimsentitledtoprioritypursuantto11U.S.C.§507.

(a)Domesticsupportobligationsentitledtoprioritypursuantto11U.S.C.§507.Theseclaimswillbepaidinfullexcepttotheextenttheclaimholderhasagreedtoacceptlessor11U.S.C.§1322(a)(4)isapplicable.Whentheclaimholderhasagreedtoacceptlessthanpaymentinfullorwhen11U.S.C.§1322(a)(4)isapplicable,theclaimholderandthetreatmentoftheclaimshallbespecifiedinsection7,theNonstandardProvisions.

(b)Taxes,andotherpriorityclaimsentitledtoprioritypursuantto11U.S.C.§507.Theseclaimswillbepaidinfullexcepttotheextenttheclaimholderhasagreedtoacceptless.Whentheclaimholderhasagreedtoacceptlessthanpaymentinfull,theclaim holderandthetreatmentoftheclaim shallbespecifiedinsection7,theNonstandardProvisions.

(c)Estimateofpriorityclaimspursuantto11U.S.C.§507.Debtorestimatesthatallpriorityclaims,notincludingthoseidentifiedinsection7,total$ .

3.13.Class6includesdesignatednonpriorityunsecuredclaims,suchasco-signedunsecureddebts,thatwillbetreateddifferentlythantheothernonpriorityunsecuredclaimsprovidedforinClass7.TheclaimholderofeachClass6claimandthetreatmentofeachclaim shallbespecifiedinsection7,theNonstandardProvisions.

3.14.Class7consistsofallothernonpriorityunsecuredclaimsnotprovidedforinClass6.Theseclaimstotalapproximately$ .Class7creditorsshallbepaidonapro-ratabasisbytheTrusteefrom thefundsremainingaftertheTrusteepaystheadministrativeexpensesandotherclaimsprovidedforinthisplan.[selectoneofthefollowingoptions:]

PercentPlan.Class7claimantswillreceivenolessthan %oftheirallowedclaimsthroughthisplan.

PotPlan.Class7claimantsareestimatedtoreceive %oftheirallowedclaimsthroughthisplan.Thissectionistobereadinconjunctionwithsection2.03.

Section4.ExecutoryContractsAndUnexpiredLeases

4.01.Debtorassumestheexecutorycontractsandunexpiredleaseslistedbelow.Debtorshalldirectlypayallpost-petitionmonthlyleaseorcontractpaymentstotheotherpartytotheexecutorycontractorunexpiredlease.UnlessotherwisepermittedundertheBankruptcyCodeorSection7herein,pre-petitionarrearsshallbefullypaid.Trusteeshallpaythemonthlyarrearagedividendspecifiedinthetablebelow.

NameofOtherPartytoExecutoryContract/UnexpiredLease / Post-PetitionMonthlyPayment / Pre-petitionArrears / MonthlyArrearageDividend
1.
2.
Total $

4.02.Debtorrejectstheexecutorycontractsandunexpiredleaseslistedbelow.Anyexecutorycontractorunexpiredleasenotlistedinsection4.01orsection4.02isrejected.

NameofOtherPartytoExecutoryContract/UnexpiredLease / DescriptionofExecutoryContract/UnexpiredLease
1.
2.

Section5.PaymentofClaimsandOrderofDistribution

5.01.Afterconfirmation,paymentsbyTrusteetoholdersofallowedclaimsandapprovedexpenseswillbemademonthly.

5.02.DistributionofplanpaymentbyTrustee.Debtor’smonthlyplanpaymentmustbesufficienttopayinfull:(a)Trustee’sfees;(b)post-petitionmonthlypaymentsdueonClass1claims;(c)themonthlydividendspecifiedinsection3.06foradministrativeexpenses;and(d)themonthlydividendspayableonaccountofClass1arrearageclaims,Class2claims,andexecutorycontractandunexpiredleasearrearageclaims.

IfDebtortendersapartialmonthlyplanpaymenttoTrustee,Trusteeshallpay,totheextentpossible,suchfees,expenses,andclaimsintheorderspecifiedin(a)through(d)above.IftheamountpaidbyDebtor,however,isinsufficienttopayalldividendsdueonaccountoffees,payments,expenses,andclaimswithinasubpartofsection5.02(a)through(d),nodividendshallbepaidonaccountofanyofthefees,payments,expenses,andclaimswithinsuchsubpart,exceptaspermittedbysection3.07(b)(2)and(3).

Onceamonthlyplanpayment,oraportionthereof,isnotneededtopayamonthlydividendbecauseafee,expense,orclaimisnotallowedorhasbeenpaidinfull,suchplanpaymentshallbepaidprorata,basedonclaimbalance,toholdersof:first,section3.06administrativeexpenses;second,Class1arrearageclaims,Class2claims,andexecutorycontractandunexpiredleasearrearageclaims;third,Class5priorityclaims;fourth,Class6unsecuredclaims;andfifth,Class7unsecuredclaims.Overtheplan’sduration,thesedistributionsmustequalthetotaldividendsrequiredbysections3.04,3.06,3.07,3.08,3.12,3.13,3.14,and4.01.

5.03.Priorityofpaymentamongadministrativeexpenses.Theportionofthemonthlyplanpaymentallocatedinsection3.06foradministrativeexpenses,shallbedistributedfirsttoanyformerchapter7trusteeuptothemonthlyamountrequiredby11U.S.C.§1326(b)(3)(B),andsecond,toholdersofapprovedadministrativeexpensesonaproratabasis.

Section6.MiscellaneousProvisions

6.01.Vesting of property. Property of the estate will revest in Debtor upon confirmation unless Debtor checks the following box: ☐ SHALL NOT REVEST.

IfthepropertyoftheestatedoesnotrevestinDebtor,Trusteeisnotrequiredtofileincometaxreturnsfortheestateorinsureanyestateproperty.Upondismissalorcompletionofthisplan,allpropertyshallrevestinDebtor.NotwithstandingtherevestingofpropertyinDebtor,thecourtwillretainitssupervisoryrolepost-confirmationtoenforceFed.R.Bankr.P.3002.1andprovideanyotherreliefnecessarytoeffectuatethisplanandtheorderlyadministrationofthiscase.

AfterthepropertyrevestsinDebtor,Debtormaysell,refinanceorexecutealoanmodificationregardingrealorpersonalpropertywithoutfurtherorderofthecourtwiththeapprovalofTrustee.

6.02.Remediesupondefault.IfDebtordefaultsunderthisplan,TrusteeoranyotherpartyininterestmayrequestappropriatereliefbyfilingamotionpursuanttoLocalBankruptcyRule9014-1,etseq.Thisreliefmayconsistof,withoutlimitation,dismissalofthecase,conversionofthecasetochapter7,orrelieffromtheautomaticstaytopursuerightsagainstcollateral.ThisiswithoutprejudicetoDebtor’srighttoseekplanmodificationunder11

U.S.C.§1329.

6.03.ImpermissibleProvisions.Notwithstandinganyotherterminthisplan,Debtordoesnotseekthroughtheconfirmationandcompletionofthisplaneitheradeterminationofthedischargabilityofanydebtorthedischargeofanydebtthatisnon-dischargableasamatteroflawinaChapter13caseunder11U.S.C.§1328(a).

Section7.NonstandardProvisions

Debtormayproposenonstandardprovisionsthatmodifythepreprintedtextofthisform plan.Allnonstandardplanprovisionsshallbesetforthbelow,oronaseparatepage(s)appendedtothisplan.Eachsuchprovisionshallbeidentifiedbyasectionnumberbeginningwithsection7.01andindicatewhichsection(s)oftheform planaremodifiedbyit.

Nonstandardprovisionsplacedelsewhereintheplanarevoid.ThesignaturesbelowarecertificationsbyDebtorandDebtor’sattorneythatthisplanformhasnotbeenalteredandthatallnonstandardprovisionsareinsection7andappendedtothisplan.

Dated:

Debtor

Dated:

Debtor’sAttorney