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1 719 Griswold, 1100 Chrysler House Detroit, Michigan phone fax *PLEASE SILENCE ALL ELECTRONICS*

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3 Chapter 13 Statistics o Over 300,000 bankruptcy cases filed in 2013 nationwide o 4,000 active cases in our office Purpose of Discharge Trustee Judge Petition Hearing Notice First Payment Due Types of Payments o Wage Deduction o ACH o Personal Checks o Money Orders o Cashier Checks Payment Address: Chapter 13 Trustee P O Box 2018 Memphis, TN Include Case Number 1

4 Meeting Of Creditors Confirmation Hearing Confirmed Case Your plan length begins Make plan payments Stay within your budget Stay current with Utilities, Property Taxes Creditors not included in your plan Contact Attorney with any changes Send in your Federal Tax Refunds and copies of your filed tax returns You are not permitted to borrow more than $2,000 or sell property without Court permission 1 st Wednesday of the Month Payment To Creditors Types of Creditors o Administrative o Secured o Unsecured 2

5 Notice of Intent to Pay Claims Annual Report Notice Of Completion Order Granting Discharge 3

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7 B9I (Official Form 9I) (Chapter 13 Case) (12/12) UNITED STATES BANKRUPTCY COURT Eastern District of Michigan Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines The debtor(s) listed below filed a chapter 13 bankruptcy case on 5/7/14. Case Number mar You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights. All documents filed in the case may be inspected at the bankruptcy clerk's office at the address listed below. NOTE: The staff of the bankruptcy clerk's office cannot give legal advice. Creditors Do not file this notice in connection with any proof of claim you submit to the court. See Reverse Side For Important Explanations Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address): Joe Huey and Clayton Jane Debtor Lear Main Cedar St. Crest Blvd. Anytown, Commerce MI Township, MI Case Number mar Attorney for Debtor(s) (name and address): Debtor Peter Behrmann Attorney Highway Six Mile Road Ste Suite Anytown, Livonia, MI Telephone number: (313) Date: June 20, 2014 Location: 211 West Fort St., Room 315, Detroit, MI Social Security / Individual Taxpayer ID / Employer Tax ID / Other nos: xxx xx Bankruptcy Trustee (name and address): Krispen S. Carroll 719 Griswold 1100 Suite Dime 1100 Building Detroit, MI Telephone number: (313) Meeting of Creditors Time: 09:00 AM Deadlines: Papers must be received by the bankruptcy clerk's office by the following deadlines: Deadline to File a Proof of Claim: For all creditors (except a governmental unit): 9/18/14 For a governmental unit: 180 days (except as otherwise provided in Fed. R. Bankr. P. 3002(c)(1)) Creditor with a Foreign Address: A creditor to whom this notice is sent at a foreign address should read the information under "Claims" on the reverse side. Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: 8/19/14 Deadline to Object to Exemptions: Thirty (30) days after the conclusion of the meeting of creditors. Hearing on Confirmation of Plan THE DEADLINE FOR FILING OBJECTIONS TO THE CONFIRMATION OF THE PLAN IS 21 DAYS FROM THE DATE FIRST SET FOR THE MEETING OF CREDITORS. The hearing on confirmation will be held: Date: 8/6/14, Time: 09:00 AM, Location: Courtroom 1825, 211 West Fort Street Bldg., Detroit, MI Creditors May Not Take Certain Actions: In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor, the debtor's property, and certain codebtors. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized. Consult a lawyer to determine your rights in this case. Address of the Bankruptcy Clerk's Office: 211 West Fort Street Detroit, MI Telephone number: Hours Open: Monday Friday 08:30 AM 4:00 PM Date: 5/9/14 For the Court: Clerk of the Bankruptcy Court: Katherine B. Gullo

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10 MAR

11 JOE DEBTOR JANE DEBTOR 123 MAIN ST. ANYTOWN, MI JOE DEBTOR JANE DEBTOR MAR Mark A Randon

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14 211 West Fort Street Detroit, MI UNITED STATES BANKRUPTCY COURT Eastern District of Michigan Case No.: pjs MAR Chapter: 13 In Re: (NAME OF DEBTOR(S)) Song Joe Debtor Chen Jane Jun H Debtor Xu Main Bay St. Hill Dr Main Bay St. Hill Dr. Northville, Anytown, MI MI Anytown, Northville, MI MI Social Security No.: xxx xx xxx xx Employer's Tax I.D. No.: ORDER DISCHARGING DEBTOR AFTER COMPLETION OF CHAPTER 13 PLAN The court finds that the debtor filed a petition under title 11, United States Code, on 1/4/10, that the debtor's plan has been confirmed, that all allowed claims have been paid substantially in accordance with the plan, that with respect to secured claims which continue beyond the term of the plan, any pre petition or post petition defaults have been cured and such claims are in all respects current, with no escrow balance, late charges, costs or attorney fees owing, and that the debtor has fulfilled all requirements under the plan. IT IS ORDERED THAT: 1. Pursuant to 11 U.S.C. Section 1328(a), the debtor is discharged from all debts provided for by the plan or disallowed under 11 U.S.C. Section 502, except any debt: (a) provided for under 11 U.S.C. Section 1322(b)(5) and on which the last payment is due after the date on which the final payment under the plan was due: (b) in the nature of alimony to, maintenance for, or support of a spouse, former spouse, or child of the debtor in connection with a separation agreement, divorce decree or other order of a court of record, or property settlement agreement, as specified in 11 U.S.C. Section 523(a)(5); (c) for a student loan or educational benefit overpayment as specified in 11 U.S.C. Section 523(a)(8); (d) for a death or personal injury caused by the debtor's unlawful operation of a motor vehicle while intoxicated from using alcohol, a drug, or another substance, as specified in 11 U.S.C. Section 523(a)(9); (e) for restitution included in a sentence on the debtor's conviction of a crime; (f) for a fine included in a sentence on the debtor's conviction of a crime, in a case commenced on or after October 22, Pursuant to 11 U.S.C. Section 1328(d), the debtor is not discharged from any debt based on an allowed claim filed under 11 U.S.C. Section 1305(a)(2) if prior approval by the trustee of the debtor's incurring such debt was practicable and was not obtained. 3. Notwithstanding the provisions of title 11, United States Code, the debtor is not discharged from any debt made non dischargeable by 18 U.S.C. Section 3613(e), by certain provisions of titles 10, 37, 38, 42 and 50 of the United States Code, or by any other applicable provision of law pjs Doc 50 Filed 02/24/11 Entered 02/24/11 09:01:49 Page 1 of 2

15 4. All creditors are prohibited from attempting to collect any debt that has been discharged in this case. 5. All creditors who held secured claims which were fully paid shall execute and deliver to the debtor a release, termination statement, discharge of mortgage or other appropriate certificate suitable for recording. 6. All creditors who hold secured claims which continue beyond the term of the plan shall take no action inconsistent with the above findings. Dated: 2/24/11 BY THE COURT /s/ Mark Phillip A J Randon Shefferly Mark Phillip A J Randon Shefferly United States Bankruptcy Judge Judge pjs Doc 50 Filed 02/24/11 Entered 02/24/11 09:01:49 Page 2 of 2

16 3/8/ Month Plan $69,000 Unsecured Debt $28,290 to Unsecured Creditors Monthly Payment of $1,500 Payments Administrative Secured Unsecured 24 Months Dismissed $ 36,000 $ ( 2,000) $ (34,000) $ (0) 48 Months Discharged $ 72,000 $( 3,710) $(40,000) $(28,290) 24 Months 48 Months Dismissed Discharged Unsecured Debt Payments Discharged Balance Owed Interest (2 years) Late Fees (2 years) OWE $ 69,000 $ 69,000 $ (0) $ (28,290) $ (0) $ 40,710 $ 69,000 $ (0) $ 17,500 $ 12,000 $ 98,500 1

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19 Step 1 Enter Case Information

20 Step 2 Security Questions

21 Step 3 Create User Account

22 Overview

23 Case Summary

24 Claims Summary

25 Account Ledger

26 6/26/2014 Make sure that your bankruptcy schedules and your other papers are complete and accurate. Remember, your signature is your oath that you have been truthful on your paperwork. Pay special attention to your budget to make sure that it is fair to your creditors and that you can realistically live with it for the length of your bankruptcy. Make your plan payments on time, including any tax refund obligation. Tell your attorney immediately of any significant changes that might affectyour case. Take the required instructional course concerning personal financial management as soon as you can, and take it seriously. Read the handbook that we have provided toyou. Carefully read everything that you get either from the court, the trustee, your attorney, or from an attorney for a creditor in your case. File a domestic support obligation (DSO) certificate. STAY INVOLVED IN YOUR CASE 1

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