STEVE ROADRUCK

STEVE ROADRUCK PRESIDENT ROADRUCK INVESTIGATIONS, INC 12887 PLUMMER GRANT ROAD TELEPHONE: JA (904) 802-0743 EMAIL: FAX: (904) 802-0753 MEMORANDUM To: Richard Kahn From: Steve Roadruck Re: Patrick Noel Adams Date: 02/12/18 R-20-18 Patrick Noel Adams, DOB [DOB REDACTED] SSN: [SSN REDACTED] I have attached a Comprehensive Report on Patrick N. Adams. The Comprehensive report did not contain any criminal cases. The criminal activity reported in the Comprehensive Report was for a person born in 1982. Probably his son. It appears Patrick has been in the Virgin Islands since 2005. He shows ownership in a residential property at 313 Brentwood Road, Piedmont,, SC 29673. He has a number of small amount judgments from Montana. He is not on a Global Watch List. I did a nationwide U.S. District Court search and did not find any criminal or civil cases. He does have a 2017 Chapter 13 Bankruptcy case which is still active. I copied the docket sheet and Petition. EFTA00812350 He was checked in Anderson, Greenville and Pickens Counties, South Carolina and he did not have any criminal history. EFTA00812351 DEBTED United States Bankruptcy Court District of South Carolina (Spartanbu rg) Bankruptcy Petition #: 17-06113-h b Date filed: 12/05/2017 Assigned to: Judge Helen E. Bunt 341 meeting: 01/31/2018 Chapter 13 Deadline for filing claims: 02/13/2018 Voluntary Deadline for filing claims (govt.): 06/04/2018 Asset Debtor Patrick Noel Adams St. Thomas, VI 00807 ANDERSON-SC • SSN / ITIN Trustee Gretchen D. Holland Ch. 13 Trustee Office 20 Roper Corners Circle, Suite C U.S 2961.5 Trustee US Trustee's Office Strom Thurmond Federal Building 1835 Assembly St. Suite 953 Columbia, SC 29201 represented by Robert A. Pohl POHL, PO Box 27290 Greenville. SC 29616 Fax -5291 Email: Filing Date .., # Docket Text , 12/05/2017 .1. (14 pgs) Chapter 13 Voluntary Petition - Individual Filed by Robert A. Pohl of POHL, P.A. on behalf of Patrick Noel Adams. (Pohl, Robert) (Entered: 12/05/2017) 12/05/2017 2 ' Bankruptcy Form 121 SSN. Filed by Robert A. Pohl of POHL, P.A. on behalf of Patrick Noel Adams. (Pohl, Robert) (Entered: 12/05/2017) 12/05/2017 a (1 pg) Certificate of Credit Counseling Filed by Robert A. Pohl of POHL, P.A. on behalf of Patrick Noel Adams. (Pohl, Robert) (Entered: 12/05/2017) 12/05/2017 4 (21 pgs) Copies of Payment Advices Filed by Robert A. Pohl of POHL, P.A. on behalf of Patrick Noel Adams. (Pohl, Robert) (Entered: EFTA00812352 12/05/2017) 12/05/2017 5 Debtor's Request to Decline Electronic Noticing. DOCUMENT IMAGE AVAILABLE ONLY TO COURT USERS AND THE TRUSTEE/US TRUSTEE. Filed by Robert A. Pohl of POI-ff., P.A. on behalf of Patrick Noel Adams. (Pohl, Robert) (Entered: 12/05/2017) 12/05/2017 Receipt of Filing Fee for Voluntary Petition (Chapter 13) (any) (17-06113) [misc,volp13aci ( 310.00). Receipt Number 10523564, amount 310.00. (U.S. Treasury) (Entered: ' 12/05/2017) 12/05/2017 I (3 pgs; 2 dots) Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, Deadlines and Notide oiAppointment of Interim Trustee Gretchen D. Holland, .Document Served. 341(a) meeting to be held on 01/31/2018 at 09:30 AM at Spartanburg. Last day to oppose dischargeability of certain debts is 04/02/2018. Proofs of Claim or Interest die by 02/13/2018. Confirmation Hearing to be held on 03/08/2018 at 10:00 AM at Spartanburg. (Entered: 12/05/2017) 12/06/2017 Notice of Filings Due: Summary of Assets and Liabilities, Schedule A/B, Schedule C, Schedule I), Schedule E/F, Schedule G, Schedule H, Schedule I, Schedule .1, Statement of Financial Affairs, Statement Disclosing Anticipated Increase in Income/Expenditures, Ch. 13 Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income, Chapter 13 Plan,. All Missing Documents Must be Filed by 12/19/2011-filed by Gretchen D. Holland. (Holland, Gretchen) (Entered: 1W06/2017) 12/08/2017 I (3 pgs) Certificate of Service of Meeting of Creditors Notice as served by the Bankruptcy Noticing Center. Notice Date 12/08/2017. (Related Doc # n) (Admit) (Entered: 12/09/2017) 12/18/2017 ji (6 pgs; 2 does) Motion to Extend Time To File Schedules, Statement of Financial Affairs, Plan•and Other Documents Required Under 11 USC Section 521(a) with Certificate of Service Filed by Robert A. Pohl of POHL, P.A. on behalf of Patrick Noel Adams (related document(s)1). (Attachments: #2, Proposed Order) (Pohl, Robert) (Entered:• 12/18/2017) • 12/19/2017 2 (2 pgs; 2 does) Order Granting Motion to Extend Time to File Schedules/Statements until 1/2/2018. (Related Doc # a). Document Served. (Lee, D) (Entered: 12/19/2017) 12/21/2017 io (2 pgs) Certificate of Service of Document as served by the Bankruptcy Noticing Center. Notice Date 12/21/2017. (Related Doc # 2) (Admin.) (Entered: 12/22/2017) 01/03/2018 a Schedules Filed: Summary of Assets and Liabilities Schedule EFTA00812353 (46 pgs) A/B Schedule C Schedule D Schedule E/F Schedule C Schedule H Schedule I Schedule J Declaration About an Individual Debtors Schedules; Statements Filed: Statement of Financial Affairs Chapter 13 Statement of Current Monthly Income and Calculation of Cominitrnent Period Chapter 13 Calculation of Your Disposable Income Disclosure of Compensation Of Attorney For Debtor for an Individual Filed by Robert A. Pohl of POHL, P.A..on behalf of Patrick Noel Adams. (Pohl, Robert) (Entered: 01/03/2018) . • 01/03/2018 12 (5 pgs) Plan Filed by Patrick Noel Adams. (Pohl, Robert) (Entered: 01/03/2018) • 01/04/2018 ii (2 pp; 2 dots) Deficiency Notice re:. Plan (related document(s)12). Filing not in accordance with local forms SC LBR 3015-1. Deficiency Correction Due By: 1/16/2018 (McAbee, B) (Entered: 01/04/2018) 01/05/2018 14 (2 pgs) Certificate of Service related to Schedules/Statements Filed, Plan Filed by Robert A. Pohl of POHL, P.A. on behalf of Patrick Noel Adams. (related document(s)11, 12). (Pohl, Robert) (Entered: 01/05/2018) 01/12/2018 .1.i (1 pg) Notice of Appearance and Request for Notice Filed by Jason D Wyman of Rogers Townsend & Thomas, PC on behalf of Wells Fargo Bank, N.A.. (Wyman, Jason) (Entered: 01/12/2018) 01/18/2018 lfi (9 pgs) Notice of Mortgage Payment Chaq (no claim on register) Filed by BANK OF AMERICA, M. (Bank of America) (Entered: 01/18/2018) 01/22/2018 12 (9 pgs) Notice, Pre-Confirmation Modified Ch. 13 Plan Objections due no later than 7 days prior to the Confinnation Hearing. Filed by Patrick Noel Adams. (Pohl, Robert) (Entered: 01/22/2018) 01/22/2018 la (2 pgs) .. . • Certificate of Service related to Modified Plan Filed by Robert A. Pohl of POHL, P.A. on behalf of Patrick Noel Adams. (related document(s)17). (Pohl, Robert) (Entered: 01/22/2018) 02/01/2018 Meeting of Creditors Held and Examination of Debtor (Holland, Gretchen) (Entered: 02/01/2018) PACER Service Center Transaction Receipt 02/12/2018 13:32:40 PACER Ilroadruck:2623271:01Opq0ro EFTA00812354 Login: 'Code: I Description: Docket Report Search Criteria: 17-06113-hb Fil or Ent; filed Doc From: 0 Doc To: 99999999 Term: included Format: html Page counts for documents: included Billable Pages: 2 Cost: 0.20 EFTA00812355 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 1 of 14 Fill in this information to identify your case: United States Bankruptcy Court for the: DISTRICT OF SOUTH CAROLINA Case number arkeoure Chapter you are fling under: K Chapter 7 K Chapter 11 O Chapter 12 ■ Chapter 13 K Check if this an amended filing Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy 12/17 The bankruptcy forms use you and Debtor 1 to refer to a debtor tiling alone. A married couple may file a bankruptcy case together—called a joint case—and In joint cases, these forms use you to ask for Information from both debtors. For example, If a form asks, "Do you owns car," the answer would be yes if either debtor owns a car. When Information is needed about the spouses separately, the form uses Debtor f and Debtor 2 to distinguish between them. In joint cases, one of the spouses must report information as Debtor f and the other as Debtor 2. The same person must be Debtor 1 in all of the forms. Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages. write your name and case number (if known). Answer every question. Part 1 Identify Yourself About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case): 1. Your full name Write the name that Is on Patrick your government-issued First name First name picture identification (for example, your driver's Noel license or 'Anima). Middle name Middle name Bring your picture • identification to your meeting with the trustee. 2. All other names you have used in the last 8 years Include your married or maiden names. Adams Last name and Suffix (Sr., Jr., II, III) Last name mid Suffix (Sr., Jr., 11,111) 3. Only the last 4 digits of your Social Security number or federal Individual Taxpayer Identification number (INN) Official Form 101 Voluntary Petition for indIvIdUals Filing for Bankruptcy Page EFTA00812356 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Dew Main Document Page 2 of 14 Debtor I Patrick Noel Adams Case nuMber armorer About Debtor 1: About Debtor 2 (Spouse Only In a Joint Case): 4. Any business names and Employer Identification Numbers (EIN) you have used in the last 8 years Include trade names and doing business as names 5. Where you live Number, P.O. Box, Street, City, State Er ZIP Code Number. P.O. Box, Street. City, State & ZIP Code • I have not used any business name or El Ns. Business names) EINs CI I have not used any business name or E INs. Business name(s) Ellis ZIP Code Anderson County If Debtor 2 lives eta different address: Mather. Street City, State & ZIP Code County If your mailing address Is different from the one If Debtor 2's mailing address Is different from yours, fill it above, fill it in here. Note that the cowl will send any in here. Nolo that the court will send any notices to this Iaa address. mailing address. 6. Why you are choosing this district to file for bankruptcy Check one: o Over the lest 180 days before filing this petition, I have lived in this district longer than in any other distnet. • Check one- 1:1 Over the last 180 days before filing this petition, I have lived in this district longer than in any other district. I have another reason. Explain. (See 28 U.S.C. § 1408.) 0 Primary residence and most assets located in South Carolina I have another reason. Explain. (See 28 U.S.C. § 1408.) Offical Forn 101 Voluntary Petition for Individuals Filing for Bankruptcy page 2 EFTA00812357 Debtor 1 vast Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 3 of 14 Patrick Noel Adams Case number firMottn; Tea the Court About Your Bankruptcy Case 7. The chapter of the Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy Bankruptcy Code you are (Fern, 2010)). Also, go to the top of page 1 and check the appropriate box. choosing to file under K Chapter 7 K Chapter 11 K Chapter 1 2 ▪ Chapter 13 8. How you will pay the fee ■ twill pay the entire fee when I file my petition. Please check with the derk's office in your local cc iirt for more details about how you may pay. Typically, if you are paying the foe yoUrseff, you may pay wkh cash. cashiers check, or money order. If your attorney is submitting your payment on your behalf, your attorney may pay with a credit card or check will a pro•printed address. K I need to pay the fee In Installments. If you choose this option. sign and attach the Application for Individuals to Pay The Filing Fee in Installments (Official Form 103A). K I request that my fee be waived (You may request this option only if you are filing for Chapter 7. By law, a judge may, but is not required to, waive your fee, and may do so only if your income Is less than 150% of the official poverty line that applies to your family size and you are unable to pay the fee in installments). If you choose this option, you must fill out the Application to Have the Chapter 7 Filing Fee Waived (Official Form 1038) and file it with your petition. 9. Have you filed for bankruptcy within the lest 8 years? K • No. Yes. District When Case number District When Case number District When Case number 10. Are any bankruptcy cases pending or being filed by a spouse who is not filing this case with you, or by a business partner, or by an affiliate? ■ No K Yes. Debtor District Debtor District When Relationship to you Case number, if known Relationship to you Case number, if known 11. Do you rent your residence? ■ No. K Yes. Go to line 12. Has your landlord obtained an eviction judgment against you? ID No. Go to line 12. K Yes. Fill out Initial Statement About an Eviction Judgment Against You (Form 101A) and file it with this bankruptcy petition. 00i001 Fern 101 Voluntary Petition for Individuals Filing for Bankruptcy pas-,,c 3 EFTA00812358 Debtor 1 Put3 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 4 of 14 Patrick Noel Adams Case number prmonn) Report About Any Businesses You Own as a Solo Proprietor 12. Are you a sole proprietor of any full- or part-time business? A sole proprietorship is a business you operate as an individual, and is not a separate legal entity such as a corporation, partnership, or LLC. If you have more than ono tide proprietorship, use a separate shoot and attach it to this petition. ■ He Go to Pan 4. K Yes. Name and location of business Name of business, if any Number, Street, City, State & ZIP Code Check the appropriate box to describe your business: K Health Care Business (as defined in 11 U.S.C. § 101(27A)) K Single Asset Real Estate (as defined in 11 U.S.C. § 101(51B)) K Stockbroker (as defined in 11 U.S.C. § 101(63A)) K Commodity Broker (as defined in 11 U.S.C. § 101(6)) K None of the above 13. Are you filing under II you are feting under Chapter 11, the court must know whether you are a small business debtor so that it can set appropriate Chapter 11 of the deadlines. If you Indicate that you are a until business debtor, you must attach your most recent balance sheet, statement of Bankruptcy Code and are operations. Cash-low statement, and federal Income tax return or if any of these documents do not exist, follow the procedure you a small business in 11 U.S.C. 1116(1X8), debtor? for a definition of small business debtor, see 11 U.S.C. § 101(51D). ■ No. I em not filing under Chapter 11. K No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy Cade. 0 Yes. I am Ming under Chapter 11 and I am a small business debtor according to the definition in the Bankruptcy Coce. Part 4 Report M You Own or Han Any Hazardous Property or Any Property That Needs Immediate Attention 14. Do you own or have arty property that poses or Is alleged to pose a threat of imminent and identifiable hazard to public health or safety? Or do you own any property that needs immediate attention? For example, do you own perishable goods, or livestock that must be fed, or a building that needs urgent repairs? • No. K Yes. What is the hazard? If immediate attention is needed, why Is it needed? Where is the property? Number, Street. City. State & Zip Code Official Fora 101 Voluntary Petition for Individuals Filing for Bankruptcy EFTA00812359 Debtor 1 Patrick Noel Adams Part 5 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/1714:35:43 Desc Main Document Page 5 of 14 Case number ellwere Explain Your Efforts to Receive a Briefing About Credit Counseling 15. Tell the court whether you have received a briefing about credit counseling. The law requires that you receive a brining about credit counseling before you file for bankruptcy. You must truthfuly check one of the fcilowing choices. If you cannot do so. you are not eligible to Se. If you Se anyway. the court can dismiss your case. you will lose whatever filing fee you paid, and your creditors can begin collection activities again. About Debtor 1: You must check one: I received a briefing from an approved credit counseling agency within the 180 days before I filed this bankruptcy petition, and I received a certificate of completion. Attach a copy of the certificate and the payment plan. if any, that you developed with the agency. K I received a briefing from an approved credit counseling agency within the 180 days before I filed this bankruptcy petition, but I do not have a certificate of completion. Within 14 days after you file this bankruptcy petition, you MUST file a copy of the certificate and payment plan, if any. O I certify that I asked for credit counseling services from an approved agency, but was unable to obtain those services during the 7 days after I made my request, and exigent circumstances merit a 30-day temporary waiver of the requirement. To ask for a 30-day temporary waiver of the requirement, attach a separate sheet explaining what efforts you made to obtain the briefing, why you wore unable to obtain it before you filed for bankruptcy, and what exigent circumstances required you to file this case. Your case may be dismissed if the court is dissatisfied with your reasons for not receiving a briefing before you filed for bankruptcy. If the court Is satisfied with your reasons, you must Mil receive a briefing within 30 days after you file. You must file a certificate from the approved agency, along with a copy of the payment plan you developed. if any. If you do not do so, your case may be dismissed. Any extension of tho 30-day deadline is granted only for cause and is limited to a maximum of 15 days. K I am not required to receive a briefing about credit counseling because of: K Incapacity. I have a mental illness or a mental deficiency that makes me incapable of realizing or making rational decisions about finances. K Disability. My physical disability causes me to be unable to participate in a briefing in person. by phone, or through the Internet. even after I reasonably tried to do so. K AetIve duty. I am currently on active military duty in a military combat zone. If you believe you are not required to receive a briefing about credit counseling, you must file a motion for waiver credit counseling with the court. About Debtor 2 (Spouse Only in a Joint Case): You must check one: K I received a briefing from an approved credit counseling agency within the 180 days before I filed this bankruptcy petition, and I received a certificate of completion. Attach a copy of the certificate and the payment plan, if any, that you developed with the agency. K I received a briefing from an approved credit counseling agency within the 180 days before I filed this bankruptcy petition, but I do not have a certificate of completion. Willis 14 days after you tile this benkruptcy petition, you MUST filo a copy of the certificate and payment plan, if any. K I certify that I asked for credit counseling services from an approved agency, but was unable to obtain those services during the 7 days after I made my request, and exigent circumstances merit a 30-day temporary waiver of the requirement To ask for a 30-day temporary waiver of the requirement, attach a separate sheaf explaining what efforts you made to obtain the briefing, why you were unable to obtain it before you filed for bankruptcy, end what exigent circumstances required you to Me this case. Your case may be dismissed if the court is dissatisfied with your reasons for not receiving a briefing before you filed for bankruptcy. If the court is satisfied with your reasons, you must still receive a briefing within 30 days after you file. You must file a certificate from the approved agency, along with a copy of the payment plan you developed. If any. If you do not do so. your case may be dismissed. My extension of the 30-day deadline is granted only for cause and is limited toe maximum of 15 days. K I am riot required to receive a briefing about credit counseling because of. K Incapacity. I have a mental illness or a mental deficiency that makes me incapable of realizing or making rational decisions about finances. K Disability. My physical disablity causes me to be unable to participate in a briefing in person, by phone, or through the internal. even alter I reasonably tried to do so. ▪ Active duty. I an currently on active military duty in a military combat zone. If you believe you are not required to receive a briefing about credit counseling, you must fie a motion for waiver of credit counseling with the court. Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy Page EFTA00812360 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 6 of 14 Debtor 1 Patrick Noel Adams Part 6 Answer These Questions for Reporting Purposes Case number preinin) 16. What kind of debts do you have? 16a. Are your debts primarily consumer debts? Consumer debts we defined in 11 U.S.C. § 101(8) ari incurred by an Individual primarily for a personal, family, or household purpose.' O No. Go to line 16b. ■ Yes. Go to line 17. 16b. Are your debts primarily business debts? Business debts are debts that you incurred to obtain money for a business or investment or through the operation of the business or investment K No. Go to line 16c. K Yes. Go to line 17. 16c. State the type of debts you owe that are not consumer debts or business debts 17. Are you filing under Chapter 7? Do you estimate that after any exempt property is excluded and administrative expenses are paid that funds will be available for distribution to unsecured creditors? je tie. I am not filing under Chapter 7. Go to line 18. ▪ y04. I am fling under Chapter 7. Do you estimate that after any exempt property is excluded and administrative expenses are paid that funds will be available to distribute to unsecured creditors? O No K Yes 18. How many Creditors do you estimate that you owe? ■ 1-49 K 50-99 O 100.199 O 200.999 01,000-5,000 El 5001-10,000 O 10,001.25,000 O 25,001-50,000 O50,001-1como K More than100,000 19. How much do you estimate your assets to be worth? O $0 - $50.000 O sso.00l siocwoo ■ $icepol - $500,000 ■ $500.001 -$1 ration O $1,000,001 -$10 million $10.000,001-'$50 O Senn O $50.000.001- $100 million O $100,000,001 -$500 million O $500,000,001 - $1 billion K $1,000,000,001 -$10 Nihon K $10,000,000,001 - $50 billion O More than $50 billion 20. How much do you estimate your liabilities to be? O $0 - woo° K 850,001-$100,000 ■ S100.001 -$500,000 K $500,001- $1 m0ion El St000.001 - $10 raon $10,000,001. O $50 million O S50.000,001- $100 million K $100,000,001- $500 million $500,000,001- O $1 billion O $1,000,000,001 -$10 billion O $ 1 0 . 0 0 0 , 0 0 0 A O 1 - $50 billion O More than $50 blliOn Part 7 Sign Below For you I have examined this petition, and I declare under penalty of perjury that the information provided Is true and correct If I have chosen to fie under Chapter 7, I am aware that I may proceed, if eligible, under Chapter 7. 11,12. or 13 of title 11 United States Code. I understand the relief available under each chapter. and I choose to proceed under Chapter 7. If no attorney represents me and I did not pay or agree to pay someone who is not an attorney to help me fill out this document. I have obtained and read the notice required by 11 U.S.C. § 342(b). I request relief in accordance with the chapter of tine 11, United States Code, specified in this petition. I understand making a false statement, concealing property, or obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250.000. or Imprisonment for up to 20 years, or both. 18 V.S.C. §§ 152, 1341, 1519, and 3571. /s! Patrick Noel Adams Patrick Noel Adams Signature of Debtor 2 Signature of Debtor 1 Executed on December 5, 2017 MA4/ DD /YYYY Executed on • Mkt / DD / YYYY Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy Page 6 EFTA00812361 Debtor 1 Patrick Noel Adams For your attorney, ff you are represented by one If you are not represented by an attorney, you do not need to file this page. Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 7 of 14 Case number semen'', I, the attorney for the debtor(s) named In this petition, declare that I have informed the debtor(s) about eligibility to proceed under Chapter 7, 11, 12, or 13 of title 11. United States Code. and have explained the relief avalable under each chapter for which the person is eligible. I also certify that I have delivered to the debtor(s) the notice required by 11 U.S.C. § 342(b) and, :n a case in which § /07(bX4)(D) applies, certify that I have no knowledge after an inquiry that the information in the schedules filed with the petition is incorrect. /s/ Robert Pohl Signature of Attorney for Debtor Robert Pohl Mint*, nom Pohl, PA Dato December 5, 2017 MMl DD /YYYY Number. Simi:. City. Male .3 DP Code Ceetact pticne 80001 Email address mimixrr a Slab) Gleec al corn 101 Voluntary Petition for Individuals Filing for Bankruptcy Pact' 7 EFTA00812362 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Document Page 8 of 14 Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) This notice is for you if: You are an individual filing for bankruptcy, and Your debts are primarily consumer debts. Consumer debts are defined in 11 U.S.C. § 101(8) as "incurred by an Individual primarily for a personal, family, or household purpose." The types of bankruptcy that are available to individuals Individuals who meet the qualifications may file under one of four different chapters of Bankruptcy Code: Chapter 7 - Liquidation Chapter 11 - Reorganization Chapter 12 - Voluntary repayment plan for family farmers or fishermen Chapter 13 - Voluntary repayment plan for individuals with regular income You should have an attorney review your decision to file for bankruptcy and the choice of chapter. Notice Required by 11 U.S.C. 9 342(b) for Individuals Filing for Bankruptcy (Form 2010) Se"tare Co;,r41 (c)1996-2017 Bast Case. LLC MOO beSiClIMICOM Desc Main Chapter 7: Liquidation $245 filing fee $75 administrative fee $15 trustee surcharge $335 total fee Chapter 7 is for individuals who have financial difficulty preventing them from paying their debts and who are willing to allow their nonexempt property to be used to pay their creditors. The primary purpose of filing under chapter 7 is to have your debts discharged. The bankruptcy discharge relieves you after bankruptcy from having to pay many of your pre-bankruptcy debts. Exceptions exist for particular debts, and liens on property may still be enforced after discharge. For example, a creditor may have the right to foreclose a home mortgage or repossess an automobile. However, if the court finds that you have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge. You should know that even if you file chapter 7 and you receive a discharge, some debts are not discharged under the law. Therefore, you may still be responsible to pay: most taxes; most student loans; domestic support and property settlement obligations; Car 1 Ban Caro aarnruptcy EFTA00812363 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 9 of 14 most fines, penalties, forfeitures, and criminal restitution obligations: and certain debts that are not listed in your bankruptcy papers. You may also be required to pay debts arising from: fraud or theft; fraud or defalcation while acting in breach of fiduciary capacity; intentional injuries that you Inflicted; and death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. If your debts are primarily consumer debts, the court can dismiss your chapter 7 case if it finds that you have enough income to repay creditors a certain amount. You must file Chapter 7 Statement of Your Current Monthly Income (Official Form 122A-1) if you are an Individual filing for bankruptcy under chapter 7. This form will determine your current monthly income and compare whether your income is more than the median income that applies in your state. If your income is not above the median for your state, you will not have to complete the other chapter 7 form, the Chapter 7 Means Test Calculation (Official Form 122A-2). If your income is above the median for your state, you must file a second form —the Chapter 7 Means Test Calculation (Official Form 122A-2). The calculations on the form— sometimes called the Means Test—deduct from your income living expenses and payments on certain debts to determine any amount available to pay unsecured creditors. If your income is more than the median income for your state of residence and family size, depending on the results of the Means Test, the U.S. trustee, bankruptcy administrator, or creditors can file a motion to dismiss your case under § 707(b) of the Bankruptcy Code. If a motion is filed, the court will decide if your case should be dismissed. To avoid dismissal, you may choose to proceed under another chapter of the Bankruptcy Code. If you are an individual filing for chapter 7 bankruptcy, the trustee may sell your property to pay your debts, subject to your right to exempt the property or a portion of the proceeds from the sale of the property. The property, and the proceeds from property that your bankruptcy trustee sells or liquidates that you are entitled to, is called exempt property. Exemptions may enable you to keep your home, a car, clothing, and household items or to receive some of the proceeds if the property is sold. Exemptions are not automatic. To exempt property, you must list it on Schedule C: The Property You Claim as Exempt (Official Form 106C). If you do not list the property, the trustee may seN it and pay all of the proceeds to your creditors. Chapter 11: Reorganization $1,167 filing fee $550 administrative fee $1,717 total fee Chapter 11 is often used for reorganizing a business, but is also available to individuals. The provisions of chapter 11 are too complicated to summarize briefly. Notice Required by 11 U.S.C. § 342(b) for indviduals Filing for Bankruptcy (Form 2010) Soitsese Coproort (c) 19964017 eau care LLc . reabosicamoom Dade 2 nest can rianivvroy EFTA00812364 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 10 of 14 Read These Im ortant Warnin s Because bankruptcy can have serious long-term financial and legal consequences, including loss of your property, you should hire an attorney and carefully consider all of your options before you file. Only an attorney can give you legal advice about what can happen as a result of filing for bankruptcy and what your options are. If you do file for bankruptcy, an attorney can help you fill out the forms properly and protect you, your family, your home, and your possessions. Although the law allows you to represent yourself in bankruptcy court, you should understand that many people find it difficult to represent themselves successfully. The rules are technical, and a mistake or inaction may harm you. If you file without an attorney, you are still responsible for knowing and following all of the legal requirements. You should not file for bankruptcy if you are not eligible to file or if you do not Intend to file the necessary documents. Bankruptcy fraud is a serious crime; you could be fined and imprisoned if you commit fraud in your bankruptcy case. Making a false statement, concealing property, or obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571. Chapter 12: Repayment plan for family farmers or fishermen $200. . filing fee $75 administrative fee $275 total fee Similar to chapter 13, chapter 12 permits family fanners and fishermen to repay their debts over a period of time using future earnings and to discharge some debts that are not paid. Chapter 13: Repayment plan for individuals with regular income $235 filing fee $75 administrative fee $310 total fee Chapter 13 is for individuals who have regular income and would like to pay all or part of their debts in installments over a period of time and to discharge some debts that are not paid. You are eligible for chapter 13 only if your debts are not more than certain dollar amounts set forth-in 11 U.S.C. § 109. Notice Required by 11 U.S.C. § 312(6) for Individuals Fling for Bankruptcy (Form 2010) Soften Comm (CI 19362017 Sou Cane. LOC wenceesrarre.oun Under chapter 13, you must file with the court a plan to repay your creditors all or pad of the money that you owe them, usually using your future earnings. If the court approves your plan, the court will allow you to repay your debts, as adjusted by the plan, within 3 years or 5 years, depending on your income and other factors. After you make all the payments under your plan, many of your debts are discharged. The debts that are not discharged and that you may still be responsible to pay include: domestic support obligations, most student loans, certain taxes, debts for fraud or theft, debts for fraud or defalcation while acting in a fiduciary capacity, most criminal fines and restitution obligations, certain debts that are not listed in your bankruptcy papers, certain debts for acts that caused death or personal injury, and certain long-term secured debts. Page 3 Bost Cane OarAruptcy EFTA00812365 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 11 of 14 A married couple may file a bankruptcy case together—caned a joint case. If you file a joint case and each spouse lists the same mailing address on the bankruptcy petition, the bankruptcy court generally will mail you and your spouse one copy of each notice, unless you file a statement with the court asking that each spouse receive separate copies. Warning: File Your Forms on Time Sectior 521(a)(1) of the Bankruptcy Coce requires that you promptly file detailed information about your creditors. assets. liabilities. income. expenses and general gran al condition. The court may dism.ss your bankruptcy case if you do not file this information within the deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the ccun. For more information about the documents and their deadlines. go to: http:iiwww.usco0rts.qovilokforms/bankruptcy form s.htmlftprocedure. Bankruptcy crimes have serious consequences If you knowingly and fraudulently conceal assets or make a false oath or statement under penalty of perjury—either orally or in writing—in connection with a bankruptcy case, you may be fined, Imprisoned, or both. All information you supply in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the U.S. Trustee, the Office of the U.S. Attorney, and other offices and employees of the U.S. Department of Justice. Make sure the court has your mailing address The bankruptcy court sends notices to the mailing address you list on Voluntary Petition for Individuals Filing for Bankruptcy (Official Form 101). To ensure that you receive information about your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in your address. Notice Required by 11 U.S.C. s 342(b) for individuals Fain0 for Bankruptcy (Form 20111) Sets. Coprent (O19M-2017 Best Case. tic • Understand which services you could receive from credit counseling agencies The law generally requires that you receive a credit counseling briefing from an approved credit counseling agency. 11 U.S.C. § 109(h). If you are filing a joint case, both spouses must receive the briefing. With limited exceptions, you must receive it within the 180 days before you file your bankruptcy petition. This briefing is usually conducted by telephone or on the Internet. In addition, after filing a bankruptcy case, you generally must complete a financial management instructional course before you can receive a discharge. If you are filing a joint case, both spouses must complete the course. You can obtain the list of agencies approved to provide both the briefing and the instructional course from: httplflustice.gov/ustieo/hapcpa/ccdakc approved.html In Alabama and North Carolina, go to: http://www.uscourts.00v/FederalCourtsfBankruptcy/ BankruptcyResources/ApprovedCredit AndDebtCounselors.aspx. If you do not have access to a computer, the deck of the bankruptcy court may be able to help you obtain the list. page 4 Bost Cam Braomotor EFTA00812366 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 12 of 14 LOCAL OFFICIAL FORM 1007-1(b) TO SC LBR 1007-1 United States Bankruptcy Court District of South Carolina In re Patrick Noel Adams Debtor(s) Case No. Chapter 13 CERTIFICATION VERIFYING CREDITOR MATRIX The above named debtor, or attorney for the debtor if applicable, hereby certifies pursuant to South Carolina Local Bankruptcy Rule 1007-1 that the master mailing list of creditors submitted either on computer diskette, electronically filed via CM/ECF, or conventionally filed in a typed hard copy scannable format which has been compared to, and contains identical information to, the debtor's schedules, statements and lists which are being filed at this time or as they currently exist in draft form. Master mailing list of creditors submitted via: (a) computer diskette (b) scannable hard copy (number of sheets submitted ) (c) X electronic version filed via CM/ECF Date: December 5, 2017 Is! Patrick Noel Adams Patrick Noel Adams Signature of Debtor Date: December 5, 2017 Is! Robert Pohl Signature of Attorney Robert Pohl Pohl. P.A. Typed/Print e ep one 80001 District Court ff .-Number &Aware Cop,0070 (c) 1996-2017 Bat Cast LLC . wombeetaiet corn Ebel Ca* Bentrupsy EFTA00812367 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 13 of 14 AMERICAN EXRESS P.O. BOX 650448 DALLAS TX 75265-0448 ANDERSON COUNTY TREASURER P.O. BOX 8002 ANDERSON SC 29622 BANK OF AMERICA 6091 CALHOUN MEMORIAL HIGHWAY EASLEY SC 29640 CITIBANK P.O. BOX 9001037 LOUISVILLE KY 40290-1037 HOME DEPOT CREDIT SERVICES P.O. BOX 790328 SAINT LOUIS MO 63179 INTERNAL REVENUE SERVICE CENTRALIZED INSOLVENCY OPERATION P.O. BOX 7346 PHILADELPHIA PA 19101-7346 S.C. DEPARTMENT OF EMPLOYMENT & WORKFORC 1550 GADSDEN STREET P.O. BOX 8597 COLUMBIA SC 29202 S.C. DEPARTMENT OF REVENUE AND TAXATION P.0, BOX 12265 COLUMBIA SC 29211 THE REAL ESTATE CENTRE 1435 AUGUSTA ROAD GREENVILLE SC 29605 VIRGIN ISLANDS INTERNAL REVENUE 6720 SMITH BAY ROAD RED HOOK ST THOMAS VI 00802 EFTA00812368 Case 17-06113-hb Doc 1 Filed 12/05/17 Entered 12/05/17 14:35:43 Desc Main Document Page 14 of 14 WELLS FARGO HOME MORTGAGE 2215 10TH AVENUE SOUTH GREAT FALLS MT 59405 EFTA00812369