Case 6:10-bk SC Doc 13 Filed 08/24/10 Entered 08/24/10 16:27:19 Desc Main Document Page 1 of 234

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1 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 1 of 234 SAM F RLA ASS FRMA RQR BY LAL BAKRPY RL SAS BAKRPY R RAL SR F ALFRA 1. 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 any copartnership or joint venture of which debtor is or formerly was a general or limited partner or member or any corporation of which the debtor is a director officer or person in control as follows: (Set forth the complete number and title of each such of prior proceeding date filed nature thereof the Bankruptcy Judge and court to whom assigned whether still pending and if not the disposition thereof. f none so indicate. Also list any real property included in Schedule A that was filed with any such prior proceeding(s).) one. 2. (f petitioner is a partnership or joint venture) A petition under the Bankruptcy Act of 1898 or the Bankruptcy Reform Act of 1978 has previously been filed by or against the debtor or an affiliate of the debtor or a general partner in the debtor a relative of the general partner general partner of or person in control of the debtor partnership in which the debtor is a general partner general partner of the debtor or person in control of the debtor as follows: (Set forth the complete number and title of each such prior proceeding date filed nature of the proceeding the Bankruptcy Judge and court to whom assigned whether still pending and if not the disposition thereof. f none so indicate. Also list any real property included in Schedule A that was filed with any such prior proceeding(s).) one. 3. (f petitioner is a corporation) A petition under the Bankruptcy Act of 1898 or the Bankruptcy Reform Act of 1978 has previously been filed by or against the debtor or any of its affiliates or subsidiaries a director of the debtor an officer of the debtor a person in control of the debtor a partnership in which the debtor is general partner a general partner of the debtor a relative of the general partner director officer or person in control of the debtor or any persons firms or corporations owning 20% or more of its voting stock as follows: (Set forth the complete number and title of each such prior proceeding date filed nature of proceeding the Bankruptcy Judge and court to whom assigned whether still pending and if not the disposition thereof. f none so indicate. Also list any real property included in Schedule A that was filed with any such prior proceeding(s).) 1. n re S ry tilities nc. hapter 7 filed 10/01/09 case # 6: S in the entral istrict of alifornia Riverside. ase Pending. 2. n re S evelopment nc. hapter 11 filed 3/5/10 case # 6: B in the entral istrict of alifornia. ase Pending. 4. (f petitioner is an individual) A petition under the Bankruptcy Reform Act of 1978 including amendments thereof has been filed by or against the debtor within the last 180 days: (Set forth the complete number and title of each such prior proceeding date filed nature of proceeding the Bankruptcy Judge and court to whom assigned whether still pending and if not the disposition thereof. f none so indicate. Also list any real property included in Schedule A that was filed with any such prior proceeding(s).) one. declare under penalty of perjury that the foregoing is true and correct. xecuted at Rancho ucamonga alifornia. /s/ avid William Bell avid William Bell ated August ebtor /s/ ynthia S. Bell ynthia S. Bell Joint ebtor his form is mandatory by rder of the nited States Bankruptcy ourt for the entral istrict of alifornia. January 2009 F Software opyright (c) Best ase Solutions - vanston L - bestcase.com Best ase Bankruptcy

2 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 2 of 234 B201 - otice of Available hapters (Rev. 12/08) ame: ennis R. Baranowski Address: ivic enter r. Ste. 100 Rancho ucamonga A elephone: (909) Fax: (909) Attorney for ebtor ebtor in Pro Per List all names including trade names used by ebtor(s) within last 8 years: avid William Bell ynthia S. Bell FAW S ry tilities nc.; AW S evelopment nc. AKA indy S. Bell; AKA ynthia S. Lapolice SAS BAKRPY R RAL SR F ALFRA ase o.: SB entral istrict of alifornia F AVALABL HAPRS (otice to ndividual onsumer ebtor nder 342(b) of the Bankruptcy ode) n accordance with 342(b) of the Bankruptcy ode this notice to individuals with primarily consumer debts: (1) escribes briefly the services available from credit counseling services; (2) escribes briefly the purposes benefits and costs of the four types of bankruptcy proceedings you may commence; and (3) nforms you about bankruptcy crimes and notifies you that the Attorney General may examine all information you supply in connection with a bankruptcy case. You are cautioned that bankruptcy law is complicated and not easily described. hus you may wish to seek the advice of an attorney to learn of your rights and responsibilities should you decide to file a petition. ourt employees cannot give you legal advice. otices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. n order to ensure that you receive information about events concerning your case Bankruptcy Rule 4002 requires that you notify the court of any changes in your address. f you are filing a joint case (a single bankruptcy case for two individuals married to each other) and each spouse lists the same mailing address on the bankruptcy petition you and your spouse will generally receive a single copy of each notice mailed from the bankruptcy court in a jointly-addressed envelope unless you file a statement with the court requesting that each spouse receive a separate copy of all notices. 1. Services Available from redit ounseling Agencies With limited exceptions 109(h) of the Bankruptcy ode requires that all individual debtors who file for bankruptcy relief on or after ctober receive a briefing that outlines the available opportunities for credit counseling and provides assistance in performing a budget analysis. he briefing must be given within 180 days before the bankruptcy filing. he briefing may be provided individually or in a group (including briefings conducted by telephone or on the nternet) and must be provided by a nonprofit budget and credit counseling agency approved by the nited States trustee or bankruptcy administrator. he clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. ach debtor in a joint case must complete the briefing. n addition after filing a bankruptcy case an individual debtor generally must complete a financial management instructional course before he or she can receive a discharge. he clerk also has a list of approved financial management instructional courses. ach debtor in a joint case must complete the course. 2. he Four hapters of the Bankruptcy ode Available to ndividual onsumer ebtors hapter 7: Liquidation ($245 filing fee $39 administrative fee $15 trustee surcharge: otal Fee $299) 1. hapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. ebtors whose debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to proceed under chapter 7. f your income is greater than the median income for your state of residence and family size in some cases creditors have the right to file a motion requesting that the court dismiss your case under 707(b) of the ode. t is up to the court to decide whether the case should be dismissed. 2. nder chapter 7 you may claim certain of your property as exempt under governing law. A trustee may have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors. 3. he purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. f however you are found to have committed certain kinds of improper conduct described in the Bankruptcy ode the court may deny your discharge and if it does the purpose for which you filed the bankruptcy petition will be defeated. Software opyright (c) Best ase Solutions - vanston L - bestcase.com Best ase Bankruptcy

3 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 3 of 234 B201 - otice of Available hapters (Rev. 12/08) SB entral istrict of alifornia 4. ven if you receive a general discharge some particular debts are not discharged under the law. herefore you may still be responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement obligations; most fines penalties forfeitures and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle vessel or aircraft while intoxicated from alcohol or drugs. Also if a creditor can prove that a debt arose from fraud breach of fiduciary duty or theft or from a willful and malicious injury the bankruptcy court may determine that the debt is not discharged. hapter 13: Repayment of All or Part of the ebts of an ndividual with Regular ncome ($235 filing fee $39 administrative fee: otal fee $274) 1. hapter 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 in the Bankruptcy ode. 2. nder 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. he period allowed by the court to repay your debts may be three years or five years depending upon your income and other factors. he 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 support obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations. hapter 11: Reorganization ($1000 filing fee $39 administrative fee: otal fee $1039) hapter 11 is designed for the reorganization of a business but is also available to consumer debtors. ts provisions are quite complicated and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney. hapter 12: Family Farmer or Fisherman ($200 filing fee $39 administrative fee: otal fee $239) hapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earnings and is similar to chapter 13. he eligibility requirements are restrictive limiting its use to those whose income arises primarily from a family-owned farm or commercial fishing operation. 3. Bankruptcy rimes and Availability of Bankruptcy Papers to Law nforcement fficials A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury either orally or in writing in connection with a bankruptcy case is subject to a fine imprisonment or both. All information supplied by a debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the ffice of the nited States rustee the ffice of the nited States Attorney and other components and employees of the epartment of Justice. WARG: Section 521(a)(1) of the Bankruptcy ode 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 not filed with the court within the time deadlines set by the Bankruptcy ode the Bankruptcy Rules and the local rules of the court. ertificate of the ebtor (We) the debtor(s) affirm that (we) have received and read this notice. avid William Bell ynthia S. Bell /s/ avid William Bell August Printed ame of ebtor Signature of ebtor ate ase o. (if known) /s/ ynthia S. Bell August Signature of Joint ebtor (if any) ate Software opyright (c) Best ase Solutions - vanston L - bestcase.com Best ase Bankruptcy

4 }bk1{form 6. Sumary of Schedules}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 4 of 234 B6 Summary (fficial Form 6 - Summary) (12/07) nited States Bankruptcy ourt entral istrict of alifornia n re avid William Bell ynthia S. Bell ebtors ase o. hapter 7 SMMARY F SHLS ndicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A B F 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 and F to determine the total amount of the debtor s liabilities. ndividual debtors must also complete the "Statistical Summary of ertain Liabilities and Related ata" if they file a case under chapter 7 11 or 13. AM F SHL AAH. F ASSS LABLS HR (YS/) SHS A - Real Property Yes B - Personal Property Yes Property laimed as xempt Yes 1 - reditors Holding Secured laims Yes reditors Holding nsecured Priority laims (otal of laims on Schedule ) Yes F - reditors Holding nsecured onpriority laims Yes G - xecutory ontracts and nexpired Leases Yes 1 H - odebtors Yes 80 - urrent ncome of ndividual ebtor(s) J - urrent xpenditures of ndividual ebtor(s) otal umber of Sheets of ALL Schedules Yes Yes otal Assets otal Liabilities Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

5 }bk1{form 6. Statistical Sumary of ertain Liabilities and Related ata}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 5 of 234 Form 6 - Statistical Summary (12/07) nited States Bankruptcy ourt entral istrict of alifornia n re avid William Bell ynthia S. Bell ebtors ase o. hapter 7 SASAL SMMARY F RA LABLS A RLA AA (28.S.. 159) f you are an individual debtor whose debts are primarily consumer debts as defined in 101(8) of the Bankruptcy ode (11.S.. 101(8)) filing a case under chapter 7 11 or 13 you must report all information requested below. heck this box if you are an individual debtor whose debts are primarily consumer debts. You are not required to report any information here. his information is for statistical purposes only under 28.S Summarize the following types of liabilities as reported in the Schedules and total them. ype of Liability Amount omestic Support bligations (from Schedule ) axes and ertain ther ebts wed to Governmental nits (from Schedule ) laims for eath or Personal njury While ebtor Was ntoxicated (from Schedule ) (whether disputed or undisputed) Student Loan bligations (from Schedule F) omestic Support Separation Agreement and ivorce ecree bligations ot Reported on Schedule bligations to Pension or Profit-Sharing and ther Similar bligations (from Schedule F) AL State the following: Average ncome (from Schedule Line 16) Average xpenses (from Schedule J Line 18) urrent Monthly ncome (from Form 22A Line 12; R Form 22B Line 11; R Form 22 Line 20 ) State the following: 1. otal from Schedule "SR PR F AY" column 2. otal from Schedule "AM L PRRY" column 3. otal from Schedule "AM L PRRY F AY" column 4. otal from Schedule F otal of non-priority unsecured debt (sum of 1 3 and 4) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

6 }bk1{schedule A - Real Property}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 6 of 234 B6A (fficial Form 6A) (12/07) n re avid William Bell ynthia S. Bell ebtors SHL A - RAL PRPRY ase o. xcept as directed below list all real property in which the debtor has any legal equitable or future interest including all property owned as a cotenant community property or in which the debtor has a life estate. nclude any property in which the debtor holds rights and powers exercisable for the debtor's own benefit. f the debtor is married state whether husband wife both or the marital community own the property by placing an "H" "W" "J" or "" in the column labeled "Husband Wife Joint or ommunity." f the debtor holds no interest in real property write "one" under "escription and Location of Property." o not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - xecutory ontracts and nexpired Leases. f an entity claims to have a lien or hold a secured interest in any property state the amount of the secured claim. See Schedule. f no entity claims to hold a secured interest in the property write "one" in the column labeled "Amount of Secured laim." f the debtor is an individual or if a joint petition is filed state the amount of any exemption claimed in the property only in Schedule - Property laimed as xempt. escription and Location of Property ature of ebtor's nterest in Property Husband Wife Joint or ommunity urrent Value of ebtor's nterest in Property without educting any Secured laim or xemption Amount of Secured laim Residence Location: 3305 Park Vista r. La rescenta A Lake Havasu Property 2300 Anacapa Place Lake Havasu AZ ebtor's family members are making payments Sub-otal > (otal of this page) 0 continuation sheets attached to the Schedule of Real Property otal > (Report also on Summary of Schedules) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

7 }bk1{schedule B - Personal Property}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 7 of 234 B6B (fficial Form 6B) (12/07) n re avid William Bell ynthia S. Bell ebtors ase o. xcept as directed below list all personal property of the debtor of whatever kind. f the debtor has no property in one or more of the categories place an "x" in the appropriate position in the column labeled "one." f additional space is needed in any category attach a separate sheet properly identified with the case name case number and the number of the category. f the debtor is married state whether husband wife both or the marital community own the property by placing an "H" "W" "J" or "" in the column labeled "Husband Wife Joint or ommunity." f the debtor is an individual or a joint petition is filed state the amount of any exemptions claimed only in Schedule - Property laimed as xempt. o not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - xecutory ontracts and nexpired Leases. f the property is being held for the debtor by someone else state that person's name and address under "escription and Location of Property." f 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 oe guardian." o not disclose the child's name. See 11.S and Fed. R. Bankr. P. 1007(m). ype of Property SHL B - PRSAL PRPRY escription and Location of Property Husband Wife Joint or ommunity urrent Value of ebtor's nterest in Property without educting any Secured laim or xemption 1. ash on hand ash hecking savings or other financial accounts certificates of deposit or shares in banks savings and loan thrift building and loan and homestead associations or credit unions brokerage houses or cooperatives. hecking and Savings Accounts itibank Montrose A Security deposits with public utilities telephone companies landlords and others. 4. Household goods and furnishings including audio video and computer equipment. Misc. Household Goods and Furnishings Location: 3305 Park Vista r. La rescenta A Books pictures and other art objects antiques stamp coin record tape compact disc and other collections or collectibles. 6. Wearing apparel. Misc. lothing Location: 3305 Park Vista r. La rescenta A Furs and jewelry. Misc. Jewelry Location: 3305 Park Vista r. La rescenta A Firearms and sports photographic and other hobby equipment. 9. nterests in insurance policies. ame insurance company of each policy and itemize surrender or refund value of each. Annuity Pacific Life Benefit $ o urrent ash Value Annuities. temize and name each issuer. Sub-otal > (otal of this page) continuation sheets attached to the Schedule of Personal Property Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

8 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 8 of 234 B6B (fficial Form 6B) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL B - PRSAL PRPRY (ontinuation Sheet) ase o. ype of Property escription and Location of Property Husband Wife Joint or ommunity urrent Value of ebtor's nterest in Property without educting any Secured laim or xemption 11. nterests in an education RA as defined in 26.S.. 530(b)(1) or under a qualified State tuition plan as defined in 26.S.. 529(b)(1). Give particulars. (File separately the record(s) of any such interest(s). 11.S.. 521(c).) 12. nterests in RA RSA Keogh or other pension or profit sharing plans. Give particulars. 13. Stock and interests in incorporated and unincorporated businesses. temize. S evelopment nc. orporation in hapter 11 - ebts exceed assets ebtors own 60% Pedal LL ebtor owns 20% interest in 3 Studios ebtor has earned nominal income from teaching classes but not as owner of of studios. Majority of the equipment is leased. ebtor and another co-owner that owns 20% as well teach majority of classes and represent value of studios nterests in partnerships or joint ventures. temize. 15. Government and corporate bonds and other negotiable and nonnegotiable instruments. 16. Accounts receivable. 17. Alimony maintenance support and property settlements to which the debtor is or may be entitled. Give particulars. 18. ther liquidated debts owed to debtor including tax refunds. Give particulars. 19. quitable or future interests life estates and rights or powers exercisable for the benefit of the debtor other than those listed in Schedule A - Real Property. Sub-otal > (otal of this page) Sheet 1 of 3 continuation sheets attached to the Schedule of Personal Property Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

9 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 9 of 234 B6B (fficial Form 6B) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL B - PRSAL PRPRY (ontinuation Sheet) ase o. ype of Property escription and Location of Property Husband Wife Joint or ommunity urrent Value of ebtor's nterest in Property without educting any Secured laim or xemption 20. ontingent and noncontingent interests in estate of a decedent death benefit plan life insurance policy or trust. 21. ther contingent and unliquidated claims of every nature including tax refunds counterclaims of the debtor and rights to setoff claims. Give estimated value of each. 22. Patents copyrights and other intellectual property. Give particulars. 23. Licenses franchises and other general intangibles. Give particulars. 24. ustomer lists or other compilations containing personally identifiable information (as defined in 11.S.. 101(41A)) provided to the debtor by individuals in connection with obtaining a product or service from the debtor primarily for personal family or household purposes. 25. Automobiles trucks trailers and other vehicles and accessories. 26. Boats motors and accessories. 27. Aircraft and accessories Lexus S250 Location: 3305 Park Vista r. La rescenta A miles xcellent ondition ft. Weeekend Warrior 5th Wheel Location: 3305 Park Vista r. La rescenta A ffice equipment furnishings and supplies. 29. Machinery fixtures equipment and supplies used in business. 30. nventory. Hand ools Location: 3305 Park Vista r. La rescenta A Sub-otal > (otal of this page) Sheet 2 of 3 continuation sheets attached to the Schedule of Personal Property Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

10 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 10 of 234 B6B (fficial Form 6B) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL B - PRSAL PRPRY (ontinuation Sheet) ase o. ype of Property escription and Location of Property Husband Wife Joint or ommunity urrent Value of ebtor's nterest in Property without educting any Secured laim or xemption 31. Animals. 32. rops - growing or harvested. Give particulars. 33. Farming equipment and implements. 34. Farm supplies chemicals and feed. 35. ther personal property of any kind not already listed. temize. Sheet 3 of 3 continuation sheets attached to the Schedule of Personal Property Software opyright (c) Best ase Solutions - vanston L - Sub-otal > 0.00 (otal of this page) otal > (Report also on Summary of Schedules) Best ase Bankruptcy

11 }bk1{schedule - Property laimed as xempt}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 11 of 234 B6 (fficial Form 6) (4/10) n re avid William Bell ynthia S. Bell ebtors ase o. SHL - PRPRY LAM AS MP ebtor claims the exemptions to which debtor is entitled under: (heck one box) 11.S.. 522(b)(2) 11.S.. 522(b)(3) escription of Property Specify Law Providing ach xemption heck if debtor claims a homestead exemption that exceeds $ (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.) Value of laimed xemption urrent Value of Property Without educting xemption ash on Hand ash..p (b)(5) hecking Savings or ther Financial Accounts ertificates of eposit hecking and Savings Accounts itibank Montrose A..P (b)(5) Household Goods and Furnishings Misc. Household Goods and Furnishings Location: 3305 Park Vista r. La rescenta A Wearing Apparel Misc. lothing Location: 3305 Park Vista r. La rescenta A Furs and Jewelry Misc. Jewelry Location: 3305 Park Vista r. La rescenta A Stock and nterests in Businesses Pedal LL ebtor owns 20% interest in 3 Studios ebtor has earned nominal income from teaching classes but not as owner of of studios. Majority of the equipment is leased. ebtor and another co-owner that owns 20% as well teach majority of classes and represent value of studios...p (b)(3) P (b)(3) P (b)(4) P (b)(5) P (b)(5) Machinery Fixtures quipment and Supplies sed in Business Hand ools Location: 3305 Park Vista r. La rescenta A P (b)(6)..P (b)(5) continuation sheets attached to Schedule of Property laimed as xempt Software opyright (c) Best ase Solutions - vanston L - otal: Best ase Bankruptcy

12 }bk1{schedule - reditors Holding Secured laims}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 12 of 234 B6 (fficial Form 6) (12/07) n re avid William Bell ynthia S. Bell ebtors SHL - RRS HLG SR LAMS ase o. 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 of the date of filing of the petition. he 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 do so. List creditors holding all types of secured interests such as judgment liens garnishments statutory liens mortgages deeds of trust and other security interests. List creditors in alphabetical order to the extent practicable. f a minor child is a creditor 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 oe guardian." o not disclose the child's name. See 11.S and Fed. R. Bankr. P. 1007(m). f all secured creditors will not fit on this page use the continuation sheet provided. f any entity other than a spouse in a joint case may be jointly liable on a claim place an "" in the column labeled "odebtor" include the entity on the appropriate schedule of creditors and complete Schedule H - odebtors. f a joint petition is filed state whether the husband wife both of them or the marital community may be liable on each claim by placing an "H" "W" "J" or "" in the column labeled "Husband Wife Joint or ommunity". f the claim is contingent place an "" in the column labeled "ontingent". f the claim is unliquidated place an "" in the column labeled "nliquidated". f the claim is disputed place an "" in the column labeled "isputed". (You may need to place an "" in more than one of these three columns.) otal the columns labeled "Amount of laim Without educting Value of ollateral" and "nsecured Portion if Any" in the boxes labeled "otal(s)" on the last sheet of the completed schedule. Report the total from the column labeled "Amount of laim" also on the Summary of Schedules and if the debtor is an individual with primarily consumer debts report the total from the column labeled "nsecured Portion" on the Statistical Summary of ertain Liabilities and Related ata. heck this box if debtor has no creditors holding secured claims to report on this Schedule. RR'S AM A MALG ARSS LG ZP A A MBR (See instructions above.) Account o. xxxx5617 reditor #: 1 Arrowhead P Box 735 San Bernardino A B R Husband Wife Joint or ommunity H W J A LAM WAS RR AR F L A SRP A VAL F PRPRY SBJ L Purchase Money Security ft. Weeekend Warrior 5th Wheel Location: 3305 Park Vista r. La rescenta A G L Q A S P AM F LAM WH G VAL F LLARAL SR PR F AY Value $ Account o. xxxxx reditor #: 2 Bank of America Home Loans P Box 5170 Simi Valley A Value $ Account o. xxxxx reditor #: 3 Bank of America Home Loans P Box 5170 Simi Valley A Value $ Account o. xxxxxx reditor #: 4 arrington Mortgage P Box rvine A continuation sheets attached Second Mortgage Value $ Lake Havasu Property 2300 Anacapa Place Lake Havasu AZ ebtor's family members are making payments First Mortgage Lake Havasu Property 2300 Anacapa Place Lake Havasu AZ ebtor's family members are making payments First rust eed Residence Location: 3305 Park Vista r. La rescenta A Subtotal (otal of this page) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

13 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 13 of 234 B6 (fficial Form 6) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL - RRS HLG SR LAMS (ontinuation Sheet) ase o. Account o. RR'S AM A MALG ARSS LG ZP A A MBR (See instructions.) reditor #: 5 nternal Revenue Service P Box Philadelphia PA B R Husband Wife Joint or ommunity H W J 2010 ax Lien A LAM WAS RR AR F L A SRP A VAL F PRPRY SBJ L Residence Location: 3305 Park Vista r. La rescenta A G L Q A S P AM F LAM WH G VAL F LLARAL SR PR F AY Account o. reditor #: 6 nternal Revenue Service P Box Philadelphia PA Value $ 2010 ax Lien Lake Havasu Property 2300 Anacapa Place Lake Havasu AZ ebtor's family members are making payments Value $ Account o. xxxxxx xp515 3/10 reditor #: 7 Lexus Financial P Box 8026 edar Rapids A Purchase Money Security 2010 Lexus S250 Location: 3305 Park Vista r. La rescenta A miles xcellent ondition Account o. Value $ Value $ Account o. Value $ Sheet 1 of 1 continuation sheets attached to Schedule of reditors Holding Secured laims Subtotal (otal of this page) otal (Report on Summary of Schedules) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

14 }bk1{schedule - reditors Holding nsecured Priority laims}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 14 of 234 B6 (fficial Form 6) (4/10) n re avid William Bell ynthia S. Bell ebtors SHL - RRS HLG SR PRRY LAMS ase o. A complete list of claims entitled to priority listed separately by type of priority is to be set forth on the sheets provided. nly holders of unsecured claims entitled to priority should be listed in this schedule. n the boxes provided on the attached sheets state the name mailing address including zip code and last four digits of the account 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. se a separate continuation sheet for each type of priority and label each with the type of priority. he 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 do so. f 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 oe guardian." o not disclose the child's name. See 11.S and Fed. R. Bankr. P. 1007(m). f any entity other than a spouse in a joint case may be jointly liable on a claim place an "" in the column labeled "odebtor" include the entity on the appropriate schedule of creditors and complete Schedule H-odebtors. f a joint petition is filed state whether the husband wife both of them or the marital community may be liable on each claim by placing an "H" "W" "J" or "" in the column labeled "Husband Wife Joint or ommunity." f the claim is contingent place an "" in the column labeled "ontingent." f the claim is unliquidated place an "" in the column labeled "nliquidated." f the claim is disputed place an "" in the column labeled "isputed." (You may need to place an "" 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 in the box labeled "otal" 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 priority listed on this Schedule in the box labeled "otals" on the last sheet of the completed schedule. ndividual debtors with primarily consumer debts report this total also on the Statistical Summary of ertain Liabilities and Related ata. 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 to priority listed on this Schedule in the box labeled "otals" on the last sheet of the completed schedule. ndividual debtors with primarily consumer debts report this total also on the Statistical Summary of ertain Liabilities and Related ata. heck this box if debtor has no creditors holding unsecured priority claims to report on this Schedule. YPS F PRRY LAMS (heck the appropriate box(es) below if claims in that category are listed on the attached sheets) omestic support obligations laims 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.S.. 507(a)(1). xtensions of credit in an involuntary case laims 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.S.. 507(a)(3). Wages salaries and commissions Wages salaries and commissions including vacation severance and sick leave pay owing to employees and commissions owing to qualifying independent sales representatives up to $11725* per person earned 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.S.. 507(a)(4). ontributions to employee benefit plans Money 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.S.. 507(a)(5). ertain farmers and fishermen laims of certain farmers and fishermen up to $5775* per farmer or fisherman against the debtor as provided in 11.S.. 507(a)(6). eposits by individuals laims of individuals up to $2600* 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.S.. 507(a)(7). axes and certain other debts owed to governmental units axes customs duties and penalties owing to federal state and local governmental units as set forth in 11.S.. 507(a)(8). ommitments to maintain the capital of an insured depository institution laims based on commitments to the F R irector of the ffice of hrift Supervision omptroller of the urrency or Board of Governors of the Federal Reserve System or their predecessors or successors to maintain the capital of an insured depository institution. 11.S (a)(9). laims for death or personal injury while debtor was intoxicated laims 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.S.. 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. 1 continuation sheets attached Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

15 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 15 of 234 B6 (fficial Form 6) (4/10) - ont. n re avid William Bell ynthia S. Bell ebtors SHL - RRS HLG SR PRRY LAMS (ontinuation Sheet) ase o. axes and ertain ther ebts wed to Governmental nits YP F PRRY RR'S AM A MALG ARSS LG ZP A A MBR (See instructions.) Account o. reditor #: 1 P Box Sacramento A B R - Husband Wife Joint or ommunity H W J 2008 A LAM WAS RR A SRA FR LAM Payroll ax G L Q A S P AM F LAM AM L PRRY F AY nknown AM L PRRY Account o. reditor #: 2 Franchise ax Board Attention: Bankruptcy P Box 2952 Sacramento A otice nknown nknown nknown Account o. reditor #: 3 nternal Revenue Service P Box Philadelphia PA otice nknown nknown nknown nknown nknown Account o. Account o. Sheet 1 of 1 continuation sheets attached to Schedule of reditors Holding nsecured Priority laims Subtotal (otal of this page) otal (Report on Summary of Schedules) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

16 }bk1{schedule F - reditors Holding nsecured onpriority laims}bk{ ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 16 of 234 B6F (fficial Form 6F) (12/07) n re avid William Bell ynthia S. Bell ebtors ase o. SHL F - RRS HLG SR PRRY LAMS 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 the debtor or the property of the debtor as of the date of filing of the petition. he 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 do so. f 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 oe guardian." o not disclose the child's name. See 11.S and Fed. R. Bankr. P. 1007(m). o not include claims listed in Schedules and. f all creditors will not fit on this page use the continuation sheet provided. f any entity other than a spouse in a joint case may be jointly liable on a claim place an "" in the column labeled "odebtor" include the entity on the appropriate schedule of creditors and complete Schedule H - odebtors. f a joint petition is filed state whether the husband wife both of them or the marital community may be liable on each claim by placing an "H" "W" "J" or "" in the column labeled "Husband Wife Joint or ommunity." f the claim is contingent place an "" in the column labeled "ontingent." f the claim is unliquidated place an "" in the column labeled "nliquidated." f the claim is disputed place an "" in the column labeled "isputed." (You may need to place an "" in more than one of these three columns.) Report the total of all claims listed on this schedule in the box labeled "otal" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules and if the debtor is an individual with primarily consumer debts report this total also on the Statistical Summary of ertain Liabilities and Related ata. heck this box if debtor has no creditors holding unsecured claims to report on this Schedule F. Account o. RR'S AM MALG ARSS LG ZP A A MBR (See instructions above.) reditor #: echnologies nc ebba r. Austin B R - Husband Wife Joint or ommunity H W J A LAM WAS RR A SRA FR LAM. F LAM S SBJ SFF S SA. elecom Supplies G L Q A S P AM F LAM Account o. reditor #: 2 A & A Ready Mixed oncrete nc eller Ave. Suite 130 ewport Beach A oncrete nknown Account o. reditor #: 3 A & F ngineering Group nc Baseline Suite 100 Rancho ucamonga A Architect Account o. reditor #: 4 A & J oncrete utting & Breaking orte Alisos Murrieta A Labor 110 continuation sheets attached Subtotal (otal of this page) nknown Software opyright (c) Best ase Solutions - vanston L - S/: Best ase Bankruptcy

17 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 17 of 234 B6F (fficial Form 6F) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL F - RRS HLG SR PRRY LAMS (ontinuation Sheet) ase o. Account o. reditor #: 5 A one Zone P.. Box 1982 orona A RR'S AM MALG ARSS LG ZP A A MBR (See instructions above.) B R - Husband Wife Joint or ommunity H W J A LAM WAS RR A SRA FR LAM. F LAM S SBJ SFF S SA. ones & raffic ontrol G L Q A S P AM F LAM Account o. reditor #: 6 A&M elecom atalina Street San Leandro A Supplies nknown Account o. reditor #: 7 A-1 Aggregates Vista hino housand Palms A Sand and material nknown Account o. x0953 reditor #: 8 A-o emporary Power P Box orth Hollywood A Account o. reditor #: 9 AA Rents rd Street Highland A quipment Sheet no. 1 of 110 sheets attached to Schedule of reditors Holding nsecured onpriority laims Subtotal (otal of this page) nknown Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

18 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 18 of 234 B6F (fficial Form 6F) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL F - RRS HLG SR PRRY LAMS (ontinuation Sheet) ase o. Account o. reditor #: 10 AAA ommunications 221. Alvarado St. jai A RR'S AM MALG ARSS LG ZP A A MBR (See instructions above.) B R - Husband Wife Joint or ommunity H W J A LAM WAS RR A SRA FR LAM. F LAM S SBJ SFF S SA. G L Q A S P AM F LAM nknown Account o. reditor #: 11 AB Rolloff Service 2861 Los Feliz Blvd. Los Angeles A Hauling Service nknown Account o. reditor #: 12 Abel Loera 1136 vans San Bernardino A Account o. xxx-xxx-9600 reditor #: 13 Able rane c/o nited reditor Bureau SHMAKR AV Santa Fe Springs A rane Account o. reditor #: 14 Able ronics th Street Rancho ucamonga A Supplies Sheet no. 2 of 110 sheets attached to Schedule of reditors Holding nsecured onpriority laims Subtotal (otal of this page) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

19 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 19 of 234 B6F (fficial Form 6F) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL F - RRS HLG SR PRRY LAMS (ontinuation Sheet) ase o. Account o. x4757 RR'S AM MALG ARSS LG ZP A A MBR (See instructions above.) reditor #: 15 Accu-ech P Box Atlanta GA B R - Husband Wife Joint or ommunity H W J A LAM WAS RR A SRA FR LAM. F LAM S SBJ SFF S SA. Supplies G L Q A S P AM F LAM Account o. reditor #: 16 Ace ash xpress nc. 1231Greenway rive Suite 700 rving heck ashing nknown Account o. reditor #: 17 AM Lighting Services 201 S. Merrill Street orona A Supplies Account o. reditor #: 18 Adecco ransportaion 175 Broad Hollow Road Melville Y Fuel Account o. xxxx7-000 reditor #: 19 A 1737 Atlanta Ave. Suite H1 Riverside A Supplies Sheet no. 3 of 110 sheets attached to Schedule of reditors Holding nsecured onpriority laims Subtotal (otal of this page) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

20 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 20 of 234 B6F (fficial Form 6F) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL F - RRS HLG SR PRRY LAMS (ontinuation Sheet) ase o. RR'S AM MALG ARSS LG ZP A A MBR (See instructions above.) Account o. xxxxx xxxxx7443 reditor #: 20 A Security Services nc. P.. Box Pittsburgh PA B R - Husband Wife Joint or ommunity H W J A LAM WAS RR A SRA FR LAM. F LAM S SBJ SFF S SA. Security G L Q A S P AM F LAM Account o. reditor #: 21 Advantage Sealing Systems P Box Fontana A Supplies nknown Account o. reditor #: 22 Ahern Rentals 4241 Arville St. Las Vegas V quipment Account o. xxxx#xx-xxx27 SM reditor #: 23 Alberto astro rexel ourt # 108 Lake lsinore A Account o. reditor #: 24 Alberto Zamudio Hunter St. Fontana A Sheet no. 4 of 110 sheets attached to Schedule of reditors Holding nsecured onpriority laims Subtotal (otal of this page) nknown Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

21 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 21 of 234 B6F (fficial Form 6F) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL F - RRS HLG SR PRRY LAMS (ontinuation Sheet) ase o. Account o. RR'S AM MALG ARSS LG ZP A A MBR (See instructions above.) reditor #: 25 All Pro Plumbing Heating & Air Arrow Route Rancho ucamonga A B R - Husband Wife Joint or ommunity H W J A LAM WAS RR A SRA FR LAM. F LAM S SBJ SFF S SA. Service G L Q A S P AM F LAM nknown Account o. reditor #: 26 All Road ommunications th Ave Suite A San iego A Satellite Phones nknown Account o. reditor #: 27 All Star Glass 1845 Morena Blvd. San iego A Windshield Repair nknown Account o. reditor #: 28 All Star Sweepers 330 olores ircle Placentia A lean p Account o. reditor #: 29 Allison Plumbing 6023 Amethyst Street - Supplies Sheet no. 5 of 110 sheets attached to Schedule of reditors Holding nsecured onpriority laims Subtotal (otal of this page) nknown Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy

22 ase 6:10-bk S oc 13 Filed 08/24/10 ntered 08/24/10 16:27:19 esc Main ocument Page 22 of 234 B6F (fficial Form 6F) (12/07) - ont. n re avid William Bell ynthia S. Bell ebtors SHL F - RRS HLG SR PRRY LAMS (ontinuation Sheet) ase o. Account o. x0250 RR'S AM MALG ARSS LG ZP A A MBR (See instructions above.) reditor #: 30 AllStar able Products Washington Blvd A/B Whittier A B R - Husband Wife Joint or ommunity H W J A LAM WAS RR A SRA FR LAM. F LAM S SBJ SFF S SA. Supplies G L Q A S P AM F LAM Account o. xx1129 reditor #: 31 Allstate maging nc ordhoff Street hatsworth A Blue Prints Account o. reditor #: 32 Allstate Security Systems nc Wilshire Blvd. Suite 1501 Los Angeles A Security nknown Account o. reditor #: 33 Alta Land Surveying nc Grossmont Summit r. La Mesa A Land Surveying Account o. reditor #: 34 Amheck 7700 rvine enter rive Suite 240 rvine A Payroll Sheet no. 6 of 110 sheets attached to Schedule of reditors Holding nsecured onpriority laims Subtotal (otal of this page) Software opyright (c) Best ase Solutions - vanston L - Best ase Bankruptcy