LOCAL BANKRUPTCY FORMS

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1 UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF PENNSYLVANIA LOCAL BANKRUPTCY FORMS Effective January 1, 2005 (Modified February 21, 2008)

2 TABLE OF CONTENTS FORM Notice to Parties re Motion to Dismiss Case... 3 FORM Summary Cover Sheet - Fees and Expenses Application... 4 FORM Notice to Claimant of Objection to Claim... 5 FORM Chapter 13 Model Plan... 7 FORM (a) Certification Regarding Service of Amended Chapter 13 Plan (Altering Treatment of Claims) FORM (b) Certification Regarding Service of Amended Chapter 13 Plan (Altering Funding or Making Technical Amendments) FORM (a) Debtor s Pre-Confirmation Certification with Post Petition Obligations.. 15 FORM (b) Certification Regarding Domestic Support Obligation(s) FORM Debtor s Certification In Support of Discharge FORM Certification Regarding Amended Disclosure Statement FORM Section 1126 Ballot Report Form FORM Certification Regarding Amended Plan of Reorganization FORM Post-Petition Payment History FORM (a) Reaffirmation Agreement FORM (b) Order on Reaffirmation Agreement FORM Contested Matter Caption FORM Adversary Caption FORM Request to Continue Trial/Hearing with Concurrence FORM Request to Remove from Hearing/Trial List... 36

3 LOCAL BANKRUPTCY FORM IN RE CHAPTER Debtor(s) CASE NO. - -bk- UNITED STATES TRUSTEE Movant vs. Respondent NOTICE IS HEREBY GIVEN THAT NOTICE TO PARTIES IN INTEREST The United States Trustee has filed a Motion to Dismiss the above-referenced case for failure to file schedules and statements. Objections to the Motion must be filed with the Clerk, United States Bankruptcy Court for the Middle District of Pennsylvania,, Pennsylvania, on or before. A hearing on timely objections will be held, 20 at o clock.m., in, Pennsylvania. If no objections are filed, an Order may be entered by the Court without further notice. Dated Office of the United States Trustee P.O. Box 969 Harrisburg, PA 17108

4 LOCAL BANKRUPTCY FORM IN RE CHAPTER CASE NO. - -bk- Debtor(s) SUMMARY COVER SHEET FEES AND EXPENSES APPLICATION a. Your applicant was appointed on, based on an application filed. b. Your applicant represents. c. This application is a (state whether interim or final application). d. The total amount of compensation for which reimbursement is sought is and is for the period from to. e. The total amount of expenses for which reimbursement is sought is and is for the period from to. f. The dates and amounts of any retainer received are. g. The dates and amounts of withdrawals from the retainer by the Applicant are. h. The dates and amounts of previous compensation allowed are i. The dates and amounts of previous compensation paid are j. There are/are no objections to prior fee applications of Applicant that have not been ruled upon by the Court in this bankruptcy case. Applicant s Signature.. DATED

5 LOCAL BANKRUPTCY FORM IN RE CHAPTER Debtor(s) CASE NO. - -bk- Objectant v. Claimant TO ( Claimant ) NOTICE TO CLAIMANT OF OBJECTION TO CLAIM Attached to this notice is an objection to your proof of claim. Your claim may be reduced, modified, or eliminated. You should read this notice and the objection carefully and discuss them with your attorney, if you have one. The purpose of this notice is to advise you of the following rights (a) Within thirty (30) days after the date of this notice you are required to file one of the following with the Clerk of the Bankruptcy Court (1) an amended proof of claim; (2) a response to the objection; or (3) a request for a hearing. (b) If you send your amended proof of claim, response or request for a hearing by mail or by delivery service, you must send it so that the Clerk of the Bankruptcy Court receives it by the deadline at the following address Clerk, United States Bankruptcy Court Middle District of Pennsylvania Third and Walnut Streets P.O. Box 908 Harrisburg, PA or

6 Clerk, United States Bankruptcy Court Middle District of Pennsylvania 274 Max Rosenn U.S. Courthouse 197 S. Main Street Wilkes Barre, PA You are required concurrently to serve a copy of the amended proof of claim, response to the objection, or request for a hearing upon counsel for the objecting party at the following address If you do not file an amended proof of claim, a response to the objection, or a request for a hearing within thirty (30) days after the date of this notice, the Court may grant the relief requested in the objection and disallow or modify your claim without further notice or hearing. (c) (d) (e) You are entitled to a hearing on the objection if you file either a written response to the objection or a written request for a hearing with the Court within thirty (30) days after the date of this notice. You may request that the hearing on the objection be conducted by telephone. A request that the hearing be conducted by telephone must be made at least five (5) days before the date on which the hearing is scheduled to take place. The court, in its discretion, may allow you to participate in the hearing by telephone. You may have other rights not referred to in this Notice. This notice is not intended to advise you of all your rights regarding your claim and is not intended to provide legal advice. If you decline to obtain counsel regarding the attached objection, you do so at your own risk. IF YOU FAIL TO RESPOND IN ACCORDANCE WITH THIS NOTICE, THE COURT MAY GRANT THE RELIEF REQUESTED BY THE OBJECTION WITHOUT FURTHER NOTICE OR HEARING. This Notice was mailed to you by Date of Notice and Date of Mailing, 20 (2)

7 LOCAL BANKRUPTCY FORM IN RE CHAPTER 13 CASE NO. - -bk- CHAPTER 13 PLAN Debtor(s) (Indicate if applicable) ( ) MOTION TO AVOID LIENS ( ) MOTION TO VALUE COLLATERAL ( ) ORIGINAL PLAN ( ) AMENDED PLAN (Indicate 1 ST, 2 ND, 3 RD, etc.) YOUR RIGHTS WILL BE AFFECTED If you oppose any provision of this plan you must file a timely written objection. This plan may be confirmed and become binding on you without further notice or hearing unless a written objection is filed before the deadline stated on the Notice issued in connection with the filing of the plan DISCHARGE (Check one) PLAN PROVISIONS ( ) The debtor will seek a discharge of debts pursuant to Section 1328(a). ( ) The debtor is not eligible for a discharge of debts because the debtor has previously received a discharge described in Section 1328(f). NOTICE OF SPECIAL PROVISIONS (Check if applicable) ( ) This plan contains special provisions that are not included in the standard plan as approved by the U.S. Bankruptcy Court for the Middle District of Pennsylvania. Those provisions are set out in the OTHER PLAN PROVISIONS section of this plan. 1. PLAN FUNDING AND LENGTH OF PLAN A. Payments by the debtor of $ per month for months. This monthly plan payment will begin no later than 30 days following the date of the filing of the bankruptcy petition or the date of conversion to Chapter 13.

8 B. In addition to the above specified plan payments, the debtor agrees to dedicate to the plan the estimated amount of sale proceeds as follows $ from the sale of property (describe property). All sales will be completed by. Other lump sum payments shall be paid to the trustee as follows Other payments from any source (describe specifically) shall be paid to the trustee as follows C. For amended plans (1) The plan payments by the debtor shall consist of the total amount previously paid ($ ) added to the new monthly payment in the amount of $ for the remaining months of the plan for a total base amount, as amended, of $, plus other payments and property stated in Paragraph B above. (2) The payment amount shall change effective. (3) The debtor shall take appropriate action to ensure that all wage attachment payments are adjusted to conform to the terms of the amended plan. D. The debtor is responsible for funding the plan. 2. SECURED CLAIMS A. Adequate Protection Payments under Section Adequate protection payments in the following amounts will be paid by the debtor to the trustee. The trustee will disburse pre-confirmation adequate protection payments for which a proof of claim has been filed as soon as practicable after receipt of said payments from the debtor. Name of Creditor Address Account # Payment $ $ B. Mortgages and Other Direct Payments by Debtor. Payments will be made outside the plan according to the original contract terms, with no modification of contract terms and with liens retained.

9 Name of Creditor Description of Collateral Contractual Monthly Payment Principal Balance of Claim Contract Rate of Interest $ $ % $ $ % C. Arrears. Name of Creditor Description of Collateral Pre-petition Arrears to be Cured Interest Rate Total to be paid in plan $ % $ $ % $ D. Secured Claims Paid According to Modified Terms. These amounts will be paid in the plan according to modified terms, and liens retained until entry of discharge. The excess of the creditor s claim will be treated as an unsecured claim. Any claim listed as NO VALUE in the Modified Principal Balance column below will be treated as an unsecured claim. THE LIENS WILL BE AVOIDED OR LIMITED IN THE PLAN OR AN ADVERSARY ACTION WILL BE FILED UNDER SECTION 506(a) TO DETERMINE THE EXTENT, VALIDITY, AND PRIORITY OF THE LIEN (Select method in last column) Name of Creditor Description of Collateral Modified Principal Balance Interest Rate Total Payment Plan* or Adversary Action $ % $ $ % $ $ % $ * PLAN INDICATES THAT THE DEBTOR PROPOSES TO AVOID OR LIMIT THE LIEN OF THE CREDITOR IN THIS PLAN. CONFIRMATION OF THE PLAN SHALL CONSTITUTE A FINDING OF VALUATION PURSUANT TO SECTION 506(a). NO ADVERSARY COMPLAINT OR MOTION WILL BE FILED AND THE LIEN WILL BE AVOIDED. IF THE CREDITOR WISHES TO CONTEST THE AVOIDANCE OF THE LIEN, THE CREDITOR MUST FILE AN OBJECTION TO THIS PLAN. OTHERWISE CONFIRMATION OF THE PLAN WILL AVOID THE LIEN.

10 E. Other Secured Claims. Name of Creditor Description of Collateral Principal balance of Claim Interest Rate Total to be paid in plan $ % $ $ % $ $ % $ F. Surrender of Collateral Name of Creditor Description of Collateral to be Surrendered G. Lien Avoidance. The debtor moves to avoid the liens of the following creditors pursuant to Section 522(f) Name of Creditor Description of Collateral 3. PRIORITY CLAIMS A. Allowed unsecured claims entitled to priority under section 507 will be paid in full with the exception of certain assigned Domestic Support Obligations that may be paid less than 100% pursuant to section 1322(a)(4) Name of Creditor Total Payment $ $ $ B. Administrative Claims

11 (1) Trustee fees. Percentage fees payable to the trustee will be paid at the rate fixed by the United States Trustee, not to exceed 10%. (2) Attorney fees. In addition to the retainer of $ already paid by the debtor, the amount of $ in the plan. 4. UNSECURED CLAIMS A. Claims of Unsecured Nonpriority Creditors Specially Classified. Includes unsecured claims, such as co-signed unsecured debts, that will be paid in full even though all other unsecured claims may not be paid in full. Name of Creditor Reason for Special Classification Amount of Claim Interest Rate Total Payment $ % $ $ % $ B. Claims of General Unsecured Creditors. The debtor estimates that a total of $ will be available for distribution to unsecured creditors. The debtor calculates that a minimum of $ must be paid to unsecured creditors in order to comply with the liquidation test for confirmation and the debtor calculates that a minimum of $ must be paid to unsecured, non-priority creditors in order to comply with the Means Test. 5. EXECUTORY CONTRACTS AND UNEXPIRED LEASES. The following executory contracts and unexpired leases are assumed (and pre-petition arrears to be cured in the plan) or rejected (so indicate) Name of Creditor Description of Collateral Monthly Payment Interest Rate Pre-petition Arrears Total Payment Assume/ Reject $ % $ $ $ % $ $

12 6. OTHER PLAN PROVISIONS 7. ORDER OF DISTRIBUTION Payments from the plan will be made by the trustee in the following order Level 1 Level 2 Level 3 Level 4 Level 5 Level 6 Level 7 Level 8 If the above Levels are not filled-in, then the order of distribution of plan payments will be determined by the trustee using the following as a guide Level 1 Adequate protection payments. Level 2 Debtor s attorney s fees. Level 3 Domestic Support Obligations. Level 4 Priority claims, pro rata. Level 5 Secured claims, pro rata. Level 6 Specially classified unsecured claims. Level 7 General unsecured claims. Level 8 Untimely filed unsecured claims to which the debtor has not objected. 8. REVESTING OF PROPERTY (Check One) Property of the estate will vest in the debtor upon confirmation. Property of the estate will vest in the debtor upon closing of the case. GENERAL PRINCIPLES APPLICABLE TO ALL PLANS All pre-petition arrears and cramdowns shall be paid to the trustee and disbursed to creditors through the plan. If a pre-petition creditor files a secured, priority or specially classified claim after the bar date, the trustee will treat the claim as allowed, subject to objection by the debtor. Claims filed after the bar date that are not properly served on the trustee will not be paid. The debtor is responsible for reviewing claims and filing objections, if appropriate. Dated Attorney for Debtor Debtor Joint Debtor

13 LOCAL BANKRUPTCY FORM (a) IN RE CHAPTER 13 Debtor(s) CASE NO. - -bk- CERTIFICATION REGARDING SERVICE OF AMENDED CHAPTER 13 PLAN (Altering Treatment of Claims) The undersigned, counsel for the above-captioned Debtor(s), hereby certifies that the Amended Chapter 13 Plan filed on proposes to alter the treatment of the claims of the following creditors included in the prior plan filed I further certify that notice of the filing of the Amended Chapter 13 Plan has been served on the above listed creditors, any party that filed an objection to the prior plan and the Chapter 13 trustee and that no other party, other than the creditors listed above, will be affected by the provisions of the Amended Chapter 13 plan. Counsel for Debtor(s) Dated

14 LOCAL BANKRUPTCY FORM (b) IN RE CHAPTER 13 Debtor(s) CASE NO. - -bk- CERTIFICATION REGARDING SERVICE OF AMENDED CHAPTER 13 PLAN (Altering Funding or Making Technical Amendments) The undersigned, counsel for the above-captioned Debtor(s), hereby certifies that the Amended Chapter 13 Plan filed on proposes to alter the funding of the prior plan filed or to make technical amendments, but does not affect the treatment of the claims of any creditors included in the prior plan, including the amounts to be paid, the timing of the payments or the treatment of collateral I further certify that the plan has been served on the Chapter 13 trustee, and because none of the claims provided for in the plan will be affected by the provisions of the Amended Chapter 13 plan, no further notice is required. Counsel for Debtor(s) Dated

15 LOCAL BANKRUPTCY FORM (a) IN RE CHAPTER CASE NO. - -bk- Debtor(s) DEBTOR S PRE-CONFIRMATION CERTIFICATION OF COMPLIANCE WITH POST PETITION OBLIGATIONS I,, upon oath or affirmation, hereby certify as follows 1. That the below information is being supplied for compliance with the confirmation hearing date on. 2. That all post-petition amounts that are required to be paid under any and all Domestic Support Obligations have been paid. 3. That all applicable Federal, State, and local tax returns, as required by 11 U.S.C. Section 1308 have been filed. 4. If the confirmation hearing date stated in Paragraph 1 is adjourned for any reason, that an updated Certification will be filed with the Court prior to any subsequent confirmation hearing date in the event any of the information contained in this Certification changes. 5. If this Certification is being signed by counsel for Debtor(s), that the Debtor(s) was/were duly questioned about the statements in this Certification and supplied answers consistent with this Certification. I hereby certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment for perjury. DATED DATED DATED BY Counsel for Debtor(s) BY Debtor BY Debtor

16 LOCAL BANKRUPTCY FORM (b) IN RE CHAPTER CASE NO. - -bk- Debtor CERTIFICATION REGARDING DOMESTIC SUPPORT OBLIGATION(S) If there are domestic support obligation claims in a case, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires the trustee to provide written notice to the holder of the claim and to the applicable state child support enforcement agency. In order for the trustee to comply with the Act, the Debtor/Obligor must complete the following information and verify the information is true and correct by signing at the bottom of this form. 1. Name of Domestic Support Obligor Claim Holder Last Name First Middle Initial 2. Address of Domestic Support Obligor Claim Holder Street City County State Zip 3. Telephone Number of Domestic Support Obligor Claim Holder (Area Code) Phone Number 4. If you are paying a Domestic Support Obligation pursuant to a Court Order, provide the following Name of Court Address of Court Docket Number PACSES Number The undersigned hereby certifies that the foregoing statements are true and correct under penalty of perjury. DATED BY Debtor

17 LOCAL BANKRUPTCY FORM IN RE CHAPTER 13 CASE NO. - -bk- Debtor(s) DEBTOR S CERTIFICATION IN SUPPORT OF DISCHARGE I,, upon my oath according to law, hereby certify as follows 1. My current address is 2. The name and address of my current employer is 3. I am not required to pay any Domestic Support Obligations, or I am required to pay Domestic Support Obligations and I have paid any amounts payable under a Court Order or Statute that were due on or before the date of this Certification. 4. If this Certification is being signed by counsel for Debtor(s), that the Debtor(s) was/were duly questioned about the statements in this Certification and supplied answers consistent with this Certification. I hereby swear or affirm under penalty of perjury under United States laws that the foregoing statements made by me are true and correct (28 U.S.C. Section 1746; 18 U.S.C. Section 1621.) DATED DATED DATED BY Counsel for Debtor(s) BY Debtor BY Debtor

18 LOCAL BANKRUPTCY FORM IN RE CHAPTER CASE NO. - -bk- Debtor(s) CERTIFICATION REGARDING AMENDED DISCLOSURE STATEMENT The undersigned counsel for the plan proponent in the above-captioned case, hereby certifies that the Amended Disclosure Statement, filed, contains changes to the Disclosure Statement, filed, of such nature and degree that 1. notice must be circulated as if an original Disclosure Statement; 2. notice need be sent only to the objectors to the last filed Disclosure Statement; 3. no further notice is required and the Amended Disclosure Statement can be approved as submitted. Dated Counsel for Plan Proponent

19 LOCAL BANKRUPTCY FORM IN RE CHAPTER CASE NO. - -bk- Debtor(s) SECTION 1126 BALLOT REPORT FORM CLASS I # BALLOTS CAST # ACCEPTING # REJECTING $ ACCEPTING $ REJECTING CLASS ACCEPTING CLASS REJECTING CLASS II CLASS III CLASS IV The following classes are impaired. Copies of all ballots not accepted are attached. An explanation of why the ballots were rejected, if applicable, is attached. PLAN ACCEPTED YES NO The foregoing Report is accurate and complete. Dated Counsel for Plan Proponent

20 LOCAL BANKRUPTCY FORM IN RE CHAPTER 11 CASE NO. - -bk- Debtor(s) CERTIFICATION REGARDING AMENDED PLAN OF REORGANIZATION The undersigned counsel for the plan proponent in the above-captioned case, hereby certifies that the Amended Plan of Reorganization, filed, contains changes to the Plan of Reorganization, filed, of such nature and degree that 1. notice must be circulated as if an original Plan of Reorganization; 2. notice need be sent only to the objectors to the last filed Plan of Reorganization; 3. no further notice is required and the Amended Plan of Reorganization can be confirmed as submitted. All pending objections to confirmation of the Plan of Reorganization have been resolved or settled by the modifications included in the Amended Plan of Reorganization, and the Amended Plan of Reorganization complies with the requirements of 11 U.S.C and Dated Counsel for Plan Proponent

21 LOCAL BANKRUPTCY FORM IN RE CHAPTER 13 CASE NO. - -bk- Debtor(s) POST-PETITION PAYMENT HISTORY NOTE AND MORTGAGE DATED Recorded on, in County, in Book, at Page. Property Address Mortgage Servicer Post-petition mailing address for Debtor(s) to send payment Mortgagor(s)/Debtor(s) Payments are contractually due Monthly Semi-monthly Bi-weekly Other Each Monthly Payment is comprised of Principal and Interest... R.E. Taxes... Insurance... Late Charge... Other... (Specify ) TOTAL... POST-PETITION PAYMENTS (Petition was filed on )

22 Payment amount due Date payment was due Date payment was received Amount received Check number How payment was applied (mo./yr.) [Continue on attached sheets if necessary] TOTAL NUMBER OF POST-PETITION PAYMENTS PAST DUE as of. TOTAL AMOUNT OF POST-PETITION ARREARS as of. Dated Counsel Mortgage Company (2)

23 G Presumption of Undue Hardship G No Presumption of Undue Hardship (Check box as directed in Part D Debtor s Statement in Support of Reaffirmation Agreement) LOCAL BANKRUPTCY FORM (a) IN RE CHAPTER Debtor(s) CASE NO. - -bk- REAFFIRMATION AGREEMENT [Indicate all documents included in this filing by checking each applicable box.] G Part A; Disclosures, Instructions, and Notice to Debtor (pages 1 5) G Part B Reaffirmation Agreement G Part D Debtor s Statement in Support of Reaffirmation Agreement G Part E Motion for Court Approval G Part C Certification by Debtor s Attorney [Note Complete Part E only if debtor was not represented by an attorney during the course of negotiating this agreement. Note Also If you complete Part E, you must prepare and file Order on Reaffirmation Agreement (L.B.F (b)] PART A DISCLOSURE STATEMENT, INSTRUCTIONS AND NOTICE TO DEBTOR 1. DISCLOSURE STATEMENT Before Agreeing to Reaffirm a Debt, Review These Important Disclosures SUMMARY OF REAFFIRMATION AGREEMENT This Summary is made pursuant to the requirements of the Bankruptcy Code. AMOUNT REAFFIRMED The amount of debt you have agreed to reaffirm $ The amount of debt you have agreed to reaffirm includes al fees and costs (if any) that have accrued as of the date of this disclosure. Your credit agreement may obligate you to pay additional amounts which may come due after the date of this disclosure. Consult your credit agreement.

24 P.2 ANNUAL PERCENTAGE RATE [The annual percentage rate can be disclosed in different ways, depending on the type of debt.] a. If the debt is an extension of credit under an open end credit plan, as those terms are defined in 103 of the Truth in Lending Act, such as a credit card, the creditor may disclose the annual percentage rate shown in (i) below or, to the extent this rate is not readily available or not applicable, the simple interest rate shown in (ii) below, or both. (i) The Annual Percentage Rate disclosed, or that would have been disclosed, to the debtor in the most recent periodic statement prior to entering into the reaffirmation agreement described in Part B below or, if no such periodic statement was given to the debtor during the prior six months, the annual percentage rate as it would have been so disclosed at the time of the disclosure statement %. And/Or (ii) The simple interest rate applicable to the amount reaffirmed as of the date this disclosure statement is given to the debtor %. If different simple interest rates apply to different balances included in the amount reaffirmed, the amount of each balance and the rate applicable to it are %; %; %; b. If the debt is an extension of credit other than under an open end credit plan, the creditor may disclose the annual percentage rate shown in (i) below, or, to the extent this rate is not readily available or not applicable, the simple interest rate shown in (ii) below, or both. (i) The Annual Percentage Rate under 128(a)(4) of the Truth in Lending Act, as disclosed to the debtor in the most recent disclosure statement given to the debtor prior to entering into the reaffirmation agreement with respect to the debt or, if no such disclosure statement was given to the debtor, the annual percentage rate as it would have been so disclosed %. And/Or (ii) The simple interest rate applicable to the amount reaffirmed as of the date this disclosure statement is given to the debtor %. If different simple interest rates apply to different balances included in the amount reaffirmed,

25 the amount of each balance and the rate applicable to it are %; %; %; P.3 c. If the underlying debt transaction was disclosed as a variable rate transaction on the most recent disclosure given under the Truth in Lending Act The interest rate on your loan may be a variable interest rate which changes from time to time, so that the annual percentage rate disclosed here may be higher or lower. d. If the reaffirmed debt is secured by a security interest or lien, which has not been waived or determined to be void by a final order of the court, the following items or types of items on the debtor s goods or property remain subject to such security interest or lien in connection with the debt or debts being reaffirmed in the reaffirmation agreement described in Part B. Item or Type of Item Original Purchase Price or Original Amount of Loan Optional At the election of the creditor, a repayment schedule using one or a combination of the following may be provided Repayment Schedule Your first payment in the amount of $ is due on (date), but the future payment amount may be different. Consult your reaffirmation agreement or credit agreement, as applicable Or Your payment schedule will be (number) payments in the amount of $ each, payable (monthly, annually, weekly, etc.) on the (day) of each (week, month, etc.), unless altered later by mutual agreement in writing Or A reasonably specific description of the debtor s repayment obligations to the extent known by the creditor or creditor s representative.

26 P.4 2. INSTRUCTIONS AND NOTICE TO DEBTOR Reaffirming a debt is a serious financial decision. The law requires you to take certain steps to make sure the decision is in your best interest. If these steps are not completed, the reaffirmation agreement is not effective, even though you have signed it. 1. Read the disclosures in this Part A carefully. Consider the decision to reaffirm carefully. Then, if you want to reaffirm, sign the reaffirmation agreement in Part B (or you may use a separate agreement you and your creditor agree on). 2. Complete and sign Part D and be sure you can afford to make the payments you are agreeing to make and have received a copy of the disclosure statement and a completed and signed reaffirmation agreement. 3. If you were represented by an attorney during the negotiation of your reaffirmation agreement, the attorney must have signed the certification in Part C. 4. If you were not represented by an attorney during the negotiation of your reaffirmation agreement, you must have completed and signed Part E. 5. The original of this disclosure must be filed with the court by you or your creditor. If a separate reaffirmation agreement (other than the one in Part B) has been signed, it must be attached. 6. If the creditor is not a Credit Union and you were represented by an attorney during the negotiation of your reaffirmation agreement, your reaffirmation agreement becomes effective upon filing with the court unless the reaffirmation is presumed to be an undue hardship as explained in Part D. If the creditor is a Credit Union and you were represented by an attorney during the negotiation of your reaffirmation agreement, your reaffirmation agreement becomes effective upon filing with the court. 7. If you were not represented by an attorney during the negotiation of your reaffirmation agreement, it will not be effective unless the court approves it. The court will notify you and the creditor of the hearing on your reaffirmation agreement. You must attend this hearing in bankruptcy court where the judge will review your reaffirmation agreement. The bankruptcy court must approve your reaffirmation agreement as consistent with your best interests, except that no court approval is required if your reaffirmation agreement is for a consumer debt secured by a mortgage, deed of trust, security deed, or other lien on your real property, like your home.

27 YOUR RIGHT TO RESCIND (CANCEL) YOUR REAFFIRMATION AGREEMENT You may rescind (cancel) your reaffirmation agreement at any time before the bankruptcy court enters a discharge order, or before the expiration of the 60-day period that begins on the date your reaffirmation agreement is filed with the court, whichever occurs later. To rescind (cancel) your reaffirmation agreement, you must notify the creditor that your reaffirmation agreement is rescinded (canceled). P.5 Frequently Asked Questions What are your obligations if you reaffirm the debt? A reaffirmed debt remains your personal legal obligation. It is not discharged in your bankruptcy case. That means if you default on your reaffirmed debt after your bankruptcy case is over, your creditor may be able to take your property or your wages. Otherwise, your obligations will be determined by the reaffirmation agreement which may have changed the terms of the original agreement. For example, if you are reaffirming an open end credit agreement, the creditor may be permitted by that agreement or applicable law to change the terms of that agreement in the future under certain conditions. Are you required to enter into a reaffirmation agreement by any law? No, you are not required to reaffirm a debt by any law. Only agree to reaffirm a debt if it is in your best interest. Be sure you can afford the payments you agree to make. What if your creditor has a security interest or lien? Your bankruptcy discharge does not eliminate any lien on your property. A lien is often referred to as a security interest, deed of trust, mortgage, or security deed. Even if you do not reaffirm and your personal liability on the debt is discharged, because of the lien your creditor may still have the right to take the security property if you do not pay the debt or default on it. If the lien is on an item of personal property that is exempt under your State s law or that the trustee has abandoned, you may be able to redeem the item rather than reaffirm the debt. To redeem, you make a single payment to the creditor equal to the current value of the security property, as agreed by the parties or determined by the court. NOTE When this disclosure refers to what a creditor may do, it does not use the word may to give the creditor specific permission. The word may is used to tell you what might occur if the law permits the creditor to take the action. If you have questions about reaffirming a debt or what the law requires, consult with the attorney who helped you negotiate this agreement reaffirming a debt. If you don t have an attorney helping you, the judge will explain the effect of reaffirming a debt when the hearing on the reaffirmation agreement is held.

28 P.6 PART B REAFFIRMATION AGREEMENT I (we) agree to reaffirm the debts arising under the credit agreement described below. 1. Brief description of credit agreement. 2. Description of any changes to the credit agreement made as part of this reaffirmation agreement SIGNATURE(S) Borrower Accepted by creditor (Print Name) (Print Name of Creditor) (Signature) Date Co-borrower, if also reaffirming these debts (Print Name) (Signature) (Address of Creditor) (Signature) (Printed name and Title of Individual Signing for Creditor) Date of creditor acceptance Date

29 P.7 PART C CERTIFICATION BY DEBTOR S ATTORNEY (IF ANY). [Check each applicable box.] 9 I hereby certify that (1) this agreement represents a fully informed and voluntary agreement by the debtor; (2) this agreement does not impose an undue hardship on the debtor or any dependent of the debtor; and (3) I have fully advised the debtor of the legal effect and consequences of this agreement and any default under this agreement. 9 [Check box, if applicable and the creditor is not a Credit Union.] A presumption of undue hardship has been established with respect to this agreement. In my opinion, however, the debtor is able to make the required payment. Printed Name of Debtor s Attorney Signature of Debtor s Attorney Date

30 PART D DEBTOR S STATEMENT IN SUPPORT OF REAFFIRMATION AGREEMENT [Read and complete numbered paragraphs 1 and 2, OR, if the creditor is a Credit Union and the debtor is represented by an attorney, read section 3. Sign the appropriate signature line(s) and date your signature. If you complete sections 1 and 2 and your income less monthly expenses does not leave enough to make the payments under this reaffirmation agreement, check the box at the top of page 1 indicating Presumption of Undue Hardship. Otherwise, check the box at the top of page 1 indicating No Presumption of Undue Hardship. ] 1. I believe this reaffirmation agreement will not impose an undue hardship on my dependents or me. I can afford to make the payments on the reaffirmed debt because my monthly income (take home pay plus any other income received) is $, and my actual current monthly expenses including monthly payments on post-bankruptcy debt and other reaffirmation agreements total $, leaving $ to make the required payments on this reaffirmed debt. I understand that if my income less my monthly expenses does not leave enough to make the payments, this reaffirmation agreement is presumed to be an undue hardship on me and must be reviewed by the court. However, this presumption may be overcome if I explain to the satisfaction of the court how I can afford to make the payments here (Use an additional page if needed for a full explanation.) 2. I received a copy of the Reaffirmation Disclosure Statement in Part A and a completed and signed reaffirmation agreement. Signed (Debtor) (Joint Debtor, if any) P.8 Date Or [If the creditor is a Credit Union and the debtor is represented by an attorney] 3. I believe this reaffirmation agreement is in my financial interest. I can afford to make the payments on the reaffirmed debt. I received a copy of the Reaffirmation Disclosure Statement in Part A and a completed and signed reaffirmation agreement. Signed (Debtor) (Joint Debtor, if any) Date

31 P.9 PART E MOTION FOR COURT APPROVAL [To be completed only if the debtor is not represented by an attorney during the course of negotiating this agreement.] MOTION FOR COURT APPROVAL OF REAFFIRMATION AGREEMENT I (we), the debtor(s), affirm the following to be true and correct I am not represented by an attorney in connection with this reaffirmation agreement. I believe this reaffirmation agreement is in my best interest based on the income and expenses I have disclosed in my Statement in Support of this reaffirmation agreement, and because (provide any additional relevant reasons the court should consider) Therefore, I ask the court for an order approving this reaffirmation agreement under the following provisions (check all applicable boxes) G 11 U.S.C. 524(c)(6) (debtor is not represented by an attorney during the course of the negotiation of the reaffirmation agreement) G 11 U.S.C. 524(m) (presumption of undue hardship has arisen because monthly expenses exceed monthly income Signed (Debtor) Date (Joint Debtor, if any)

32 LOCAL BANKRUPTCY FORM (b) IN RE CHAPTER CASE NO. - -bk- Debtor(s) ORDER ON REAFFIRMATION AGREEMENT Debtor(s) having filed a motion for approval of the reaffirmation agreement dated between creditor,, and Debtor(s) and a hearing as required by 11 U.S.C. 524(d) on notice to Debtor(s) and the creditor having been held on. It is hereby ORDERED that G The Court grants the motion of Debtor(s) under 11 U.S.C. 524(c)(6)(A) and approves the reaffirmation agreement described above as not imposing an undue hardship on Debtor(s) or a dependent of Debtor(s) and as being in the best interest of Debtor(s). G The Court grants the motion of Debtor(s) under 11 U.S.C. 524(k)(8) and approves the reaffirmation agreement described above. G The Court disapproves the reaffirmation agreement under 11 U.S.C. 524(m). G The Court does not approve the reaffirmation agreement.

33 LOCAL BANKRUPTCY FORM [Contested Matter Caption] IN RE CHAPTER JOHN DOE CASE NO. - -bk- (judge s initials) Debtor(s) XYZ MORTGAGE CO. Movant vs. JOHN DOE Respondent MOTION OF XYZ MORTGAGE CO. FOR RELIEF FROM THE STAY

34 LOCAL BANKRUPTCY FORM [Adversary Proceeding Caption] IN RE CHAPTER JOHN DOE CASE NO. - -bk- (judge s initials) Debtor(s) XYZ MORTGAGE CO. Plaintiff COMPLAINT TO DETERMINE vs. DISCHARGEABILITY OF DEBT JOHN DOE Defendant ADVERSARY NO. - -ap- MOTION OF XYZ MORTGAGE CO. FOR SUMMARY JUDGMENT

35 LOCAL BANKRUPTCY FORM IN RE CHAPTER CASE NO. - -bk- Debtor(s) ADVERSARY NO. - -ap- (if applicable) Plaintiff(s)/Movant(s) vs. Nature of Proceeding Defendant(s)/Respondent(s) Document # REQUEST TO CONTINUE HEARING/TRIAL WITH CONCURRENCE 1 This request must be filed at least twenty-four (24) hours prior to the hearing. All requests must be approved by the Court. Submitting a request is not an automatic continuance. The undersigned hereby requests a continuance with the concurrence of the opposing party (parties). This is a first request for a continuance. 2 Reason for the continuance. Contemporaneous with the filing of this request, the undersigned has served a copy of this request upon all counsel participating in this proceeding. Dated Attorney for Name Phone Number 1 No alterations or interlineations of this document are permitted. 2 If this is not a first request for a continuance, then a Motion to Continue must be filed.

36 LOCAL BANKRUPTCY FORM IN RE CHAPTER CASE NO. - -bk- Debtor(s) ADVERSARY NO. - -ap- (if applicable) Plaintiff(s)/Movant(s) vs. Nature of Proceeding Pleading Defendant(s)/Respondent(s) Document # REQUEST TO REMOVE FROM THE HEARING/TRIAL LIST* CHECK ONE G The undersigned hereby withdraws the above identified pleading with the consent of the opposition, if any. G The undersigned counsel certifies as follows (1) A settlement has been reached which will be reduced to writing, executed and filed within (please check only one). G Thirty (30) days. G Forty-five (45) days. G Sixty (60) days. (2) If a stipulation is not filed or a hearing requested within the above-stated time frame, the Court may dismiss the matter without further notice. (3) Contemporaneous with the filing of this request, the undersigned has served a copy of this request upon all counsel participating in this proceeding. Dated Attorney for *No alterations or interlineations of this document are permitted. This request must be filed twenty-four (24) hours prior to the hearing.

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