Eastern District of California Chapter 13 Plan Instructions and Plan Settings June 2012

Transcription

1 Eastern District f Califrnia Chapter 13 Plan Instructins and Plan Settings June 2012 This custm Chapter 13 Plan is available as an Add-On fr an additinal fee. If yu have purchased ur 7 & 13, Full r Netwrk package but have nt purchased this Add-On, yu will have access t the plan calculatr but the plan itself will functin in Dem mde. T use this plan, yu will need t install the Eastern District f Califrnia~Revised 13 plan (CA-E-ZY) jurisdictin. If yu are upgrading frm an earlier versin f Best Case Bankruptcy, after installing the new jurisdictin, yu can reselect the jurisdictin in the Vluntary Petitin t use this custm plan fr existing cases. Table f Cntents: Disclaimer Regarding Lcal Chapter 13 Plans... 1 Ntes Abut this Custm 13 Plan... 2 Hw Infrmatin Yu Enter Relates t the Printed Plan... 3 Captin... 3 Sectin 1. Plan Payments and Cmmitment Perid... 3 Sectin 2. Claims and Expenses... 3 A. Prfs f Claim... 3 B. Administrative Expenses... 3 C. Secured Claims... 3 D. Unsecured Claims... 5 Sectin 3. Executry Cntracts And Unexpired Leases... 6 Sectin 4. Payment f Claims and Order f Payment... 6 Sectin 5. Miscellaneus Prvisins... 6 Sectin 6. Additinal Prvisins... 6 Signature Lines... 7 Reference Table f Custm Plan Classes... 7 Editing the Plan... 9 Opening Replaced Dcuments with the Best Case Editr Disclaimer Regarding Lcal Chapter 13 Plans Our gal is t make preparatin f lcal Chapter 13 plans as easy as pssible. As always, we welcme any suggestins and feedback yu might have. It is imprtant t understand that because these lcal plans vary greatly, we smetimes have t resrt t methds f entering infrmatin that are less straightfrward and that require clser attentin n the part f the user than ther areas f the sftware. Additinally, the Chapter 13 plan by its very nature is prbably the mst cmplicated dcument filed in a cnsumer bankruptcy case and requires detailed legal knwledge. Please understand that yu must always prfread every plan t ensure that it has printed as expected and that the plan accurately reflects the debtr s intentins. This sftware is far frm flprf. It is very pssible fr an inexperienced user t prduce an incmplete r inaccurate plan. It is the respnsibility f the attrney t review every plan prir t filing it. Best Case Slutins technical supprt staff can advise yu n the peratin f the sftware, such as hw t get a claim t print as yu want n the frm, but the actual decisin abut hw t classify a given claim is a legal questin that must be reslved by the respnsible attrney. The Best Case technical supprt staff des nt and can nt dispense legal advice.

2 2 In additin, yur lcal trustee can mdify r change the Chapter 13 plan requirements, practices r the frmat f the plan at any time. It is the respnsibility f the attrney representing the debtr t ensure that lcal rules and practices are adhered t. Ntes Abut this Custm 13 Plan Custm Plan Classes: This custm 13 Plan uses bth standard and custm plan classes that crrespnd t sectins f the printed plan. Fr detailed infrmatin abut these plan classes, refer t the Reference Table f Custm Plan Classes n page 7. Attrney s Fees and Filing Fees: Yu can enter attrney s fees and filing fees t be paid thrugh the plan thrugh the Claims tab in the Chapter 13 Plan Calculatr. Attrney s fees will appear in Sectin Yur custm plan des nt list the filing fees. If yu want them t appear n the plan, yu can make a nte in the Other tab f the 13 Plan Calculatr, and the fees will print in Sectin 6. Additinal Prvisins. Nte: In sme districts, trustees d nt allw the filing fee t be paid thrugh the plan. Custm Entry Screen: A custm Chapter 13 Plan screen has been added t allw yu t change infrmatin and ptins fr Sectins 1.02, 2.06, and T access the screen, pen the 13 Plan Calculatr, and then click the CAE 13 Plan Inf buttn in the upper right crner. Custm Entry Screen: An additinal custm entry screen is available t enter a Persn Making Payment in Sectin T access this screen, pen the Schedule D creditr, click the 13 Plan Treatment tab, and then click the Lcal 13 Plan Treatment buttn in the lwer left crner. Special Frm Preferences: Yur custm plan includes several frm preferences which allw yu t: Shw payments in Sectin 6 if the cmmitment perid desn t equal the plan term. Calculate Sectin 2.07 based n the ATTY class and nt 5UPR. Print the Secured Amunt instead f Claim Amunt fr Class 2 creditrs. Shw the percent t unsecured t 2 decimals in Sectin Add permanent text in Sectin 6. Additinal Prvisins. Shw variable payment detail fr creditrs. T access the Frm Preferences windw: (1) Highlight the Chapter 13 Plan n the Frms and Schedules Menu fr the client. (2) Click Setup/Edit Frm Preferences. (3) Highlight a descriptin and click Change. (4) Enter yur text, and click OK t save. (5) Click Clse n the next screen t return t the Frms and Schedules Menu Best Case, LLC

3 3 Hw Infrmatin Yu Enter Relates t the Printed Plan Captin Name f Debtr: The names f the Debtr and Jint Debtr will print n the plan as entered in the Debtr and Jint Debtr tabs f the Vluntary Petitin. Case Number: The case number, if applicable, is drawn frm the Case buttn in the tlbar. SSN: The plan requires nly the last fur digits f the Debtr and Jint Debtr Scial Security numbers. Enter the full Scial Security numbers fr the Debtr and Jint Debtr in the Vluntary Petitin. Best Case will autmatically redact the Scial Security numbers t the last fur digits n the printed plan. Sectin 1. Plan Payments and Cmmitment Perid 1.01 Payments frm earnings The mnthly payment amunt listed n the Summary tab f the 13 Plan Calculatr prints here. If yu have specified a step plan n the Summary tab, these amunts will be listed in Additinal Prvisins Other payments As a default, nthing prints in this sectin. T indicate anther surce frm which the Debtr will make payments, click the custm CAE 13 Plan Inf buttn in the Chapter 13 Plan Calculatr and enter yur text in the blank field. Fr further details n hw t access this preference, see Ntes Abut this Custm 13 Plan n page Duratin f payments The number f mnths specified n the Summary tab f the 13 Plan Calculatr prints here. Sectin 2. Claims and Expenses A. Prfs f Claim N data prints here. B. Administrative Expenses 2.06 Debtr s attrney s fees This sectin f the plan lists the amunt f cmpensatin fr the attrney that has already been paid, as listed n the Cmpensatin Statement fr the Attrney fr the Debtr. This sectin als lists any attrney fees that are t be paid thrugh plan. T specify the fee that yu wuld like t pay thrugh the plan, enter this amunt in the Claims tab f the 13 Plan Calculatr. A custm entry screen is available t mark either checkbx in this sectin. T access this screen, pen the Chapter 13 Calculatr and then click the CAE 13 Plan Inf buttn in the upper right crner Administrative expenses The fllwing steps must be cmpleted t get an amunt t print here: 1. Clse ut f a client file and the Client List. 2. Click Setup in the tlbar, and select Jurisdictin. 3. Open the CA-E-ZY jurisdictin, and click the Misc. Optins tab. 4. Mark the checkbx labeled Sch E: Allw Administrative Expense Pririty and click OK. In additin, t get the average mnthly payment t print here the claim must be classified as 5UPR Unsecured, pririty and Administrative Expenses must be selected fr Type f Pririty n the Creditr Infrmatin tab. Nte: A special frm preference is available t print the ATTY-Attrney Fees class here instead f 5UPR claims. Fr further details, see Ntes Abut this Custm 13 Plan n page 2. C. Secured Claims 2.08 Class 1. Lng-term secured claims with delinquency This sectin will print all Schedule D creditrs classified as 1SLP - Secured, lng term, in plan, 1SLO - Secured, lng term, utside plan 2013 Best Case, LLC

4 4 and 1XC - Class 1 Executry Cntracts/Leases. 1SLP and 1SLO claims are lng-term, secured claims with arrearage prtins. These claims are lng term debts that will be paid a fixed amunt each mnth, including the amunt f the arrearage, and will cntinue after the 13 plan payment term has ended. 1XC claims are cntracts r leases with arrearages. Fr further details abut listing assumed cntracts r leases, see Ntes Abut this Custm 13 Plan n page 2. Class 1 Creditr s Name/Cllateral Descriptin The creditr name and the cllateral descriptin will print here based n the infrmatin yu entered in the Creditr Infrmatin tab n Schedule D r F. Amunt f Arrears The Arrearage Amunt entered in the Arrearage Prtin f the 13 Plan Treatment tab prints here. Interest Rate The interest rate specified under the Arrearage Prtin f the 13 Plan Treatment tab prints here. Arrearage Dividend If yu classify the arrearage prtin as ARR Arrearage, Fixed Payment, the payment amunt yu enter in the 13 Plan Treatment tab will print here. If yu classify the arrearage prtin as ARPR Arrearage, Paid Prrata in the 13 Plan Treatment tab, the average pr rata amunt as determined by the 13 Plan Calculatr will print here. Mnthly Cntract Installment The mnthly cntract installment prints here as it was specified in the Payment field f the Secured Prtin withut Arrears n the 13 Plan Treatment tab Class 2. Secured claims that are mdified, have matured r will mature All secured creditrs classified as 2SPR - Secured, Paid Prrata, 2SFP - Secured, Fixed Payment, 2SF5 - Secured, Fixed Payment, 506 N/A and 2SP5 - Secured, Paid Prrata, 506 N/A will appear in this sectin. A. Class 2 claims nt reduced based n value f cllateral: Creditrs classified as 2SPR, 2SFP, 2SF5, and 2SP5 with n UGEN Unsecured General Nnpririty amunt will print here. B. Class 2 claims reduced based n value f cllateral: Creditrs classified as 2SPR, 2SFP, 2SF5, and 2SP5 with an UGEN Unsecured General Nnpririty amunt entered will print here. C. Class 2 claims reduced t $0 based n value f cllateral: Creditrs classified as 2SPR, 2SFP, 2SF5, and 2SP5 will print here if the UGEN Unsecured General Nnpririty amunt is equal t the Claim Amunt. Class 2 Creditr s Name/Cllateral Descriptin The creditr name and the cllateral descriptin will print here based n the infrmatin yu entered in the Creditr Infrmatin tab n Schedule D. Purchase Mney Security Interest? Y/N If Purchase Mney Security has been selected as the Nature f Lien n the Creditr Infrmatin tab, a Y will print here. If this has nt been selected, an N will print. Amunt Claimed The figure entered in the Claim Amunt field f the Creditr Infrmatin tab prints here. Value f Creditr s Interest The Secured amunt frm the 13 Plan Treatment tab prints here. Interest Rate The interest rate specified in the Interest Rate field f the Secured Prtin Withut Arrears sectin f the 13 Plan Treatment tab prints here. Mnthly Dividend If yu classify the claim as 2SFP r 2SF5 in the 13 Plan Treatment tab fr the creditr, then the mnthly payment amunt yu enter prints here. If yu classify the claim as 2SPR r 2SP5, the estimated payment is the average pr rata payment fr the claim as cmputed by the Chapter 13 Calculatr Class 3. Secured claims satisfied by surrender f cllateral Claims classified as 3SSR - Secured, Surrender Prperty will print in this sectin f the plan. If the market value f the prperty is less than the claim amunt, the unsecured prtin will appear n the plan as an estimated deficiency Best Case, LLC

5 5 By default, this unsecured prtin will be treated like ther unsecured, nn-pririty claims. If the unsecured prtin is a pririty claim and yu wuld like it t be paid in full, classify the unsecured prtin as 5UPR n the 13 Plan Treatment tab. The 13 Plan Calculatr will pay it in full and will indicate n the printed plan that the deficiency is a pririty claim. Class 3 Creditr s Name/Cllateral Descriptin The creditr name and the cllateral descriptin will print here based n the infrmatin yu entered in the Creditr Infrmatin tab n Schedule D. Estimated Deficiency If the amunt entered in the Claim Amunt field f the Creditr Infrmatin tab is greater than the amunt in the Market Value field, the remaining prtin f the debt prints in this clumn. Is Deficiency a Pririty Claim? Y/N If the unsecured prtin is classified n the 13 Plan Treatment tab as UGEN - Unsecured, General, Nn-Pririty, an N will print here. If the unsecured prtin is classified as 5UPR - Unsecured, Pririty, a Y will print here Class 4. Secured claims paid directly by Debtr r third party Creditrs in this sectin will receive payments frm the debtr directly instead f frm the trustee. All creditrs that are classified as 4SLO - Secured, Lng-Term, Outside Plan will appear in this sectin. Class 4 Creditr s Name/Cllateral Descriptin The creditr name and cllateral will print here based n the infrmatin yu entered in the Creditr Infrmatin tab fr each creditr n Schedule D. Mnthly Cntract Installment The mnthly payment amunt specified in the Payment field in the 13 Plan Treatment tab fr each creditr prints here. Persn Making Payment A custm entry screen is available t enter a name here. T access this screen, pen the Schedule D creditr, click the 13 Plan Treatment tab, and then click the Lcal 13 Plan Treatment buttn in the lwer left crner. D. Unsecured Claims 2.13 Class 5. Unsecured, pririty claims Claims classified as 5UPR - Unsecured, pririty will appear in this sectin f the plan. These claims are generally listed n Schedule E and are paid in full after secured creditrs. Class 5 Creditr s Name The creditr name will print here based n the infrmatin yu entered n the Creditr Infrmatin tab fr each creditr n Schedule E. Type f Pririty The pririty type prints here based n what was selected in the Type f Pririty field n the Creditr Infrmatin tab fr the Schedule E creditr. Claim Amunt The amunt entered in the Pririty Amunt field f the Creditr Infrmatin tab print here Class 6. Special unsecured claims This sectin will print creditrs classified as 6U1 - Unsecured, special class, paid 100% and the arrearage infrmatin fr claims classified as 6XC - Class 6 Executry Cntracts/Leases. With the 6U1 class, yu can give special pririty t individual Schedule F claims s that they are paid in full, and are paid ahead f ther Schedule F claims. If yu classify a cntract r lease as 6XC, yu can specify an arrearage prtin which will be paid ahead f ther unsecured claims. Class 6 Creditr s Name The creditr name will print here based n the infrmatin yu entered in the Creditr Infrmatin tab fr each creditr Best Case, LLC

6 6 Reasn fr Special Treatment The infrmatin entered in the Cnsideratin field f the Creditr Infrmatin tab fr each creditr will print here. Claim Amunt Fr claims classified as 6U1 - Unsecured, special class, paid 100%, the amunt entered in the Claim Amunt field f the Creditr Infrmatin tab will print here. Fr claims classified as 6XC - Class 6 Executry Cntracts/Leases, the arrearage amunt entered in the Arrearage Prtin f the 13 Plan Treatment tab will print here Class 7. General unsecured claims This sectin f the plan lists the percentage t unsecured general nn-pririty creditrs and the ttal amunt f these claims. The percentage that prints cmes frm the Summary tab f the 13 Plan Calculatr. If yu wuld like this percentage t shw t 2 decimals, yu can d s by using a special frm preference. Fr mre infrmatin abut hw t access this preference, refer t Ntes Abut this Custm 13 Plan n page 2. The ttal f all UGEN - Unsecured, general nn-pririty claims prints in the secnd space. This class is usually applied t mst Schedule F claims, the unsecured prtins f Schedule D claims, and the nn-pririty prtins f Schedule E claims. Sectin 3. Executry Cntracts And Unexpired Leases 3.02 Executry cntracts r unexpired leases Executry cntracts and unexpired leases classified n Schedule D r F as 1XC - Class 1 Executry Cntracts/Leases, 6XC - Class 6 Executry Cntracts/Leases, r XCA - Additinal Prvisins Cntracts/Leases will print in this sectin f the plan. The cntracts and leases listed in this table are assumed. Any cntract r lease nt listed in this sectin will be cnsidered rejected. Name f Other Party t Executry Cntract r Unexpired Lease The creditr name will print here based n the infrmatin yu entered in the Creditr Infrmatin tab n Schedule D r F. Regular Payment The payment amunt prints here as it was specified in the Payment field f the Secured Prtin Withut Arrears clumn f the 13 Plan Treatment tab. Pre-petitin Arrears The Arrearage Amunt entered in the Arrearage Prtin f the 13 Plan Treatment tab prints here. Arrearage Dividend If yu classify the arrearage prtin as ARR Arrearage, Fixed Payment, the payment amunt yu enter in the 13 Plan Treatment tab will print here. If yu classify the arrearage prtin as ARPR Arrearage, Paid Prrata in the 13 Plan Treatment tab, the average pr rata payment as determined by the 13 Plan Calculatr will print here. Sectin 4. Payment f Claims and Order f Payment N data prints here. Sectin 5. Miscellaneus Prvisins 5.01 Vesting f Prperty This sectin states whether r nt prperty will revest in debtr. As a default, the shall revest checkbx is marked. A custm entry screen is available t select the shall nt revest bx. T access this screen, click the custm CAE 13 Plan Inf buttn in the Chapter 13 Plan Calculatr. Sectin 6. Additinal Prvisins The fllwing infrmatin is autmatically inserted n separate pages at the end f the plan: Arrearage The arrearage infrmatin fr claims classified as XCA - Additinal Prvisins Cntracts/Leases will print here. The arrearage ttal amunt, mnthly payment, and length f payment frm the Arrearage Prtin f the 13 Plan Treatment tab appears here, alng with the creditr name entered n the Creditr Infrmatin tab fr the creditr Best Case, LLC

7 7 Step Plan Payments Any step plan payments that yu enter in the Summary tab f the 13 Plan Calculatr will print here with the amunt(s) and length(s) f payment. Lump sum Payments Any lump sum payments that yu enter in the Summary tab f the 13 Plan Calculatr will print here with the amunt(s) and mnth(s) f payment. Other tab Any text that yu enter in the Other tab in the 13 Plan Calculatr will appear in this sectin. Plan Term and Payment Amunt The frm preference Shw payments in sectin 6 if the cmmitment perid des nt equal the plan term gives yu the ptin f having Best Case print the plan term and mnthly payment amunt in this sectin if the plan term is different frm the cmmitment perid. Fr further details abut hw t change this frm preference, please refer t Ntes Abut this Custm 13 Plan n page 2. Permanent Other Prvisins Permanent Other Prvisins Text, a special frm preference, allws yu t specify permanent language in this sectin f the plan. Fr further details abut hw t change this frm preference, please refer t Ntes Abut this Custm 13 Plan n page 2. Signature Lines The attrney name selected in the Filing Infrmatin tab f the Vluntary Petitin appears in this sectin, alng with the attrney s law firm address, telephne and fax numbers, and address entered in the Setup Menu. If yu select the ptin t include /s/ <name> n signature lines fr electrnically filed cases, then the debtr and jint debtr names, as entered in the Vluntary Petitin, appear n the apprpriate signature lines. Reference Table f Custm Plan Classes Classes in bld are custm plan classes fr the Eastern District f Califrnia. ARPR - Arrearage, paid prrata Paid in full with ther secured pr rata debts; mnthly payment amunt is determined by the Plan Calculatr based n funds available, amunt f claim, and hw many ther creditrs there are in this class. Yu can specify an interest rate t be paid n this arrearage amunt. NOTE THAT THIS PLAN CLASS IS NEVER TO BE USED FOR THE MAIN PORTION OF THE CLAIM. ARR - Arrearage, fixed payment Paid in full early in the plan, with the user specifying the mnthly payment amunt and the number f mnths t be paid. Yu can specify an interest rate t be paid n this arrearage amunt. NOTE THAT THIS PLAN CLASS IS NEVER TO BE USED FOR THE MAIN PORTION OF THE CLAIM. ATTY - Attrney Fees This class is assigned autmatically by the 13 Plan Calculatr when yu enter attrney fees t be paid thrugh plan in the Claims tab f the 13 Plan Calculatr. Attrney Fees are paid in full early in the plan, with the exact mnthly payment amunt t be determined by the Plan Calculatr based n funds available and ther claims which are given this (highest) pririty. 1SLO - Secured, lng term, utside plan This classificatin is fr claims that are secured, lng-term, utside plan and which have a delinquency. The secured prtin f the claim shuld be classified as 1SLO, and the delinquency shuld be treated as ne f the arrearage classes abve. The user will specify the debtr s regular mnthly payments, the arrearage amunt and interest t be paid n the arrearage, if any. The regular mnthly payments will print n the plan but will nt be included in the plan calculatins since the debtr is paying the creditr directly, and the arrearage will be paid in full early in the plan. Yur plan indicates that if yu d nt specify an interest rate, the trustee will pay 10%. Hwever, in Best Case, an interest rate will always print, even if is 0%. If yu want t pay 10%, enter that percentage Best Case, LLC

8 8 1XC - Class 1 Executry Cntracts/Leases This classificatin is fr secured claims that are executry cntracts r leases which include a delinquency. Fr the main prtin f the claim use the 1XC class. It will be paid directly by the debtr utside f the plan. Classify the arrearage as ARPR - Arrearage, Paid Prrata r ARR - Arrearage, Fixed Payment; it will be cured thrugh the plan. Yur plan indicates that if yu d nt specify an interest rate, the trustee will pay 10%. Hwever, in Best Case, an interest rate will always print, even if is 0%. If yu want t pay 10%, enter that percentage. 2SF5 - Secured, Fixed Payment, 506 N/A Claims f this class will be paid in full by the end f the plan, and will be paid a fixed amunt each mnth that yu specify in the 13 Plan Treatment tab. Generally, 2SF5 claims cnsist f debts secured by a purchase mney security interest in a vehicle fr which the debt was incurred within 910 days f filing the bankruptcy petitin, r, claims secured by any ther persnal prperty fr which the debt was incurred within ne year f filing. Yur plan indicates that if yu d nt specify an interest rate, the trustee will pay 10%. Hwever, in Best Case, an interest rate will always print, even if is 0%. If yu want t pay 10%, enter that percentage. 2SFP - Secured, Fixed Payment Paid in full starting the first mnth, with the user specifying the mnthly payment amunt, interest rate, and number f mnths. Yur plan indicates that if yu d nt specify an interest rate, the trustee will pay 10%. Hwever, in Best Case, an interest rate will always print, even if is 0%. If yu want t pay 10%, enter that percentage. 2SP5 - Secured, Paid Prrata, 506 N/A Claims f this class will be paid thrugh the plan and will be paid ff entirely by the end f the plan. The mnthly payment amunt is determined by the 13 Plan Calculatr/Trustee based n the funds available and number f ther creditrs. Generally, 2SP5 claims cnsist f debts secured by a purchase mney security interest in a vehicle fr which the debt was incurred within 910 days f filing the bankruptcy petitin, r, claims secured by any ther persnal prperty fr which the debt was incurred within ne year f filing. Yur plan indicates that if yu d nt specify an interest rate, the trustee will pay 10%. Hwever, in Best Case, an interest rate will always print, even if is 0%. If yu want t pay 10%, enter that percentage. 2SPR - Secured, Paid Prrata Paid in full early in the plan, with the mnthly payment amunt t be determined by the 13 Plan Calculatr, based n the funds available and number f ther creditrs in this class. Yur plan indicates that if yu d nt specify an interest rate, the trustee will pay 10%. Hwever, in Best Case, an interest rate will always print, even if is 0%. If yu want t pay 10%, enter that percentage. 3SSR - Secured, Surrender Prperty The claims are paid 0%. The secured claim is taken ut f the plan because the debtr is surrendering prperty instead f paying the claim. If the amunt f the claim is greater than the market value f the prperty being surrendered, the remaining prtin f the debt is generally treated as unsecured, general nn-pririty, and will receive a percentage f the amunt wed based n funds available. If this is the case, the unsecured prtin will print in the Estimated deficiency clumn and Best Case will indicate that the deficiency is nt a pririty claim. If the unsecured prtin is a pririty claim, classify it as 5UPR and the calculatr will pay it in full and will indicate n the printed frm that the deficiency is a pririty claim. 4SLO - Secured, Lng-Term, Outside Plan This classificatin is fr claims that are secured, lng-term, utside plan and withut delinquency. The user specifies the debtr s regular mnthly payments, which print n the plan but are nt included in the plan calculatins since the debtr is paying the creditr directly. 5UPR - Unsecured, pririty 2013 Best Case, LLC

9 9 Claims f this class are paid in full, after the attrney s and filing fees, secured claims, and fixed payments. These claims are paid pr rata with the 13 Plan Calculatr determining the mnthly payment amunt. 6U1 - Unsecured, special class, paid 100% This class gives special pririty t Schedule F claims that yu wuld like paid in full ahead f ther Schedule F claims. These claims are paid in full after secured creditrs, with the mnthly payment amunt determined by the Plan Calculatr. 6XC - Class 6 Executry Cntracts/Leases This classificatin is fr special unsecured claims that are executry cntracts r leases which include a delinquency that is t be paid ahead f ther unsecured claims. Fr the main prtin f the claim use the 6XC class. It will be paid directly by the debtr utside f the plan. Classify the arrearage as ARPR - Arrearage, Paid Prrata r ARR - Arrearage, Fixed Payment; it will be cured thrugh the plan. SALJ - Secured, Avid Lien, Judicial Claims classified as SALJ d NOT print n plan, but inclusin f this class will generate a Mtin t Avid Judicial Lien that prints at the end f the plan. If yu select this class, the debt is n lnger cnsidered secured, and will be treated like ther unsecured nn-pririty creditrs, receiving a percentage f the amunt due based n hw much the debtr can pay. SALN - Secured, Avid Lien, Nnpurchase Claims classified as SALN d NOT print n the plan, but inclusin f this class will generate a Mtin t Avid Nnpssessry, Nnpurchase Mney Lien that prints at the end f the plan. If yu select this class, the debt is n lnger cnsidered secured, and will be treated like ther unsecured nn-pririty creditrs, receiving a percentage f the amunt due based n hw much the debtr can pay. XCA - Additinal Prvisins Cntracts/Leases This classificatin is fr claims that are executry cntracts r leases that yu d nt want t classify as Class 1 r Class 6 n the plan. Fr the main prtin f the claim use the XCA class. It will be paid directly by the debtr utside f the plan. Classify the arrearage as ARPR - Arrearage, Paid Prrata r ARR - Arrearage, Fixed Payment and it will be cured thrugh the plan. Fr these claims, a nte will autmatically appear in the Additinal Prvisins sectin stating the arrearage amunt and the mnthly payment amunt. FILE - Filing Fees This class is assigned by Best Case autmatically when yu specify that filing fees are t be paid thrugh the plan in the Claims tab f the Chapter 13 Plan Calculatr. It DOES NOT, hwever, print n the plan. The custm Eastern District f Califrnia Plan des nt prvide a sectin t list filing fees that are t be paid thrugh the plan. If yu specify that the filing fee will be paid thrugh the plan in the Claims tab f the 13 Plan Calculatr, the filing fee will be included in the plan calculatins but will nt print n the plan. If yu want them t appear n the plan, yu can make a nte in the Other tab f the 13 Plan Calculatr, and the fees will print in Sectin VII. Additinal Prvisins. UGEN - Unsecured, General Nnpririty Unsecured, general nn-pririty claims are paid after secured and pririty claims. They are paid a percentage f the amunt wed based n the amunt that the debtr can pay and the number f ther creditrs in this class, with the mnthly payment amunts determined by the 13 Plan Calculatr. Editing the Plan 1. Custm Chapter 13 plans are prvided as RTF (rich text frmat) files s that they can easily be edited and saved as needed. Mark just the 13 Plan t print in the Frms and Schedules Menu. 2. Click the Print buttn in the tlbar at the tp f yur screen. The Print Dcuments dialg bx appears. Mark yur printing chices, then click the Edit Frm check bx in the bttm left crner. Click OK Best Case, LLC

10 10 3. The 13 Plan appears n yur screen in the Best Case Editr. Yu can add r remve text as needed. All editing ptins are described in the Best Case Editr Optins help tpic. Saving (Replacing) the Plan with the Best Case Editr When yu edit a dcument in the Best Case Editr, yu are nt actually editing the data recrd fr the debtr, as yu are when yu enter infrmatin thrugh Best Case entry screens like the Vluntary Petitin windw. Instead, yu are editing a text dcument that has infrmatin abut the debtr filled in fr yu. S that these frms will nt take up a large amunt f rm n yur hard drive, yur changes t these dcuments are nt autmatically saved. 1. T save changes t the plan with the Best Case Editr, chse File/Save. 2. The Save Dcument in Case windw appears. By default, the name f the frm is filled in fr yu and Replaces Frm is marked as the print selectin. Click the Save t Case buttn t save the edited frm. Nte that changes that yu make t the plan apply t this case nly, nt t all cases. 3. Clse the Best Case Editr. The edited plan will then appear n the Frms and Schedules menu as the Replaced versin f the riginal dcument. 4. T print the plan, mark the Replaced plan t print n the Frms and Schedules menu, and select yur printing ptins. Fr all printing ptins, see Printing Frms in yur User s Guide r Help menu in Best Case Bankruptcy. Opening Replaced Dcuments with the Best Case Editr T pen a Replaced plan that was previusly saved with the Best Case Editr: 1. Duble-click n the Chapter 13 Plan in the Frms and Schedules menu. 2. On the next windw, click the Edit buttn if yu want t edit the plan with the Best Case Editr. The plan will then pen in the Best Case Editr, and yu can make additinal revisins t the plan as needed. 3. If, instead, yu want t return t the Chapter 13 Calculatr after saving the frm with the Best Case Editr, duble-click n the Chapter 13 Plan in the Frms and Schedules menu, and then click the Optins buttn n the next windw. On the next screen, type DRAFT in frnt f the frm name, and click the D Nt Print buttn. Click OK n the next tw screens, and then click n the Clse buttn. Duble-click n the Chapter 13 Plan n the Frms and Schedules menu t pen the calculatr. If yu want t return t yur previus DRAFT f the 13 Plan, highlight the plan n the Frms and Schedules menu and click the Attach buttn. Click the Edit buttn t pen the plan with the Best Case E 2013 Best Case, LLC