WPC PL{~d1SNp=3[܌󩟗fE~ȎGlM$\CƂϔ Uڮێ!eGp7W}tĕq^q1@yB@@yɌT \Of\MD>WO%s~n ۵RD04>F]' }4G#з4c"vqH"^~eV@qg`K耨Ēp]40̟o@e~j$RYz;5-WIR1ڄ5Y;|dQb l_3ܡ uRik B*f &CK0ק p4oA&.;+m-ȁ'YeK طhXe\60~R*cWTb)5]DJb I-_,[x58ძ|#o5b?W g#U Nk % 0: UH UNA U@ ^ U@ w 4 3 B mD N[ 1] 72 1u 72 0c 1  72 1 72` 1 72 1K B  D3 72" 0UT.c 0C) 0Ul A[: 0VE8888888888888888 D+::::::::::::::::::::::::: 0Kee B* A 0eKHP LaserJet 6MP,,,,,,,,0(9 Z6Times New Roman RegularX($USUS.,Ԁ\Z  0Times New Roman Bold(hH  Z 6Times New Roman Regular|L  Z(CG Times RegularT3  (9 Z(Times New Roman 7<3|,:i+003|xU(5hCEKQW]cioAutoList11.1.1.1.1.1.1.1.1.3#37=CIQYag1.a.i.(1)(a)(i)1)a)i)(;3$2#  0  .3  0  (EhCEKQW]cioAutoList21.1.1.1.1.1.1.1.1.(UhCEKQW]cioAutoList31.1.1.1.1.1.1.1.1.(ehCEKQW]cioAutoList41.1.1.1.1.1.1.1.1.(uhCEKQW]cioAutoList51.1.1.1.1.1.1.1. d'dxd1.(-2$ !USUS.,   $nondischargeableLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5 Level 1 Level 2 Level 3 Level 4 Level 5($     (-2$ !USUS.,  #%$E<< cLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5 0 *'USUS.,  _B2010  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#0p(#(#0p(#p(#0 (#(#0x (# (#0 x(#x(#Page2(.3$ !USUS.,  'dxd( $ Figure  1  &0 d d!`G&OLE 2.0 Box <=8C HKKKK1, 2, 3,Level 1Level 2Level 3Level 4Level 54#B2Quick 1.e  .0 e !USUS.,  _hh XXXXB201#XXXXx#XXXXԀ( 10/05) h Ab7) xd!EW0$A X   XXUNITEDSTATESBANKRUPTCYCOURT   ##NOTICETOINDIVIDUALCONSUMERDEBTORUNDER342(b) i OFTHEBANKRUPTCYCODE#XX`##XXXX#   T &%XX8 8   Inaccordancewith342(b)oftheBankruptcyCode,thisnotice:(1)Describesbrieflytheservices  availablefromcreditcounselingservices; &%%&Ԁ(2)Describesbrieflythepurposes,benefitsandcostsofthefour  typesofbankruptcyproceedingsyoumaycommence;#&%% &௳# &%%&Ԁand(3)Informsyouaboutbankruptcycrimesand a notifiesyouthattheAttorneyGeneralmayexamineallinformationyousupplyinconnectionwitha  9  bankruptcycase.Youarecautionedthatbankruptcylawiscomplicatedandnoteasilydescribed.Thus, y   youmaywishtoseektheadviceofanattorneytolearnofyourrightsandresponsibilitiesshouldyoudecide Q  tofileapetition.Courtemployeescannotgiveyoulegaladvice.) 8s#8s# # XX% &#̀ 1.#XXX X#ServicesAvailablefromCreditCounselingAgencies    &%XX 8 Withlimitedexceptions,109(h)oftheBankruptcyCoderequiresthatallindividualdebtorswhofilefor a bankruptcyreliefonorafterOctober17,2005,receiveabriefingthatoutlinestheavailableopportunitiesforcredit 9 counselingandprovidesassistanceinperformingabudgetanalysis .Thebriefingmustbegivenwithin180days before  y thebankruptcyfiling.Thebriefingmaybeprovidedindividuallyorinagroup(includingbriefingsconductedbytelephone U orontheInternet)andmustbeprovidedbyanonprofitbudgetandcreditcounselingagencyapprovedbytheUnitedStates - trusteeorbankruptcyadministrator.Theclerkofthebankruptcycourthasalistthatyoumayconsultoftheapproved  budgetandcreditcounselingagencies. u  8 Inaddition,afterfilingabankruptcycase,anindividualdebtorgenerallymustcompleteafinancial % managementinstructionalcoursebeforeheorshecanreceiveadischarge. Theclerkalsohasalistofapproved e financialmanagementinstructionalcourses. A  &%%& 2.TheFourChaptersoftheBankruptcyCodeAvailabletoIndividualConsumerDebtors  #&%% &g #&y%%& 8 Chapter7:Liquidation($220filingfee,$39administrativefee,$15trusteesurcharge:Totalfee$274) 9   (uh83 8 1.Chapter7isdesignedfordebtorsinfinancialdifficultywhodonothavetheabilitytopaytheirexistingdebts. } Debtorswhosedebtsareprimarilyconsumerdebtsaresubjecttoa meanstestdesignedtodeterminewhetherthecase Y  shouldbepermittedtoproceedunderchapter7.Ifyourincomeisgreaterthanthemedianincomeforyourstateof 5! residenceandfamilysize,insomecases,creditorshavetherighttofileamotionrequestingthatthecourtdismissyour " caseunder707(b)oftheCode.Itisuptothecourttodecidewhetherthecaseshouldbedismissed.#&%%&y #&y%%& #  8 2.Underchapter7,youmayclaimcertainofyourpropertyasexemptundergoverninglaw.Atrusteemayhave  a$ therighttotakepossessionofandselltheremainingpropertythatisnotexemptandusethesaleproceedstopayyour != % creditors.#&%%&y#&y%%& "!&  8 3.Thepurposeoffilingachapter7caseistoobtainadischargeofyourexistingdebts.If,however,youare ]#!' foundtohavecommittedcertainkindsofimproperconductdescribedintheBankruptcyCode,thecourtmaydenyyour 9$"( dischargeand,ifitdoes,thepurposeforwhichyoufiledthebankruptcypetitionwillbedefeated. %#)  8 4.Evenifyoureceiveageneraldischarge,someparticulardebtsarenotdischargedunderthelaw.Therefore, %$* youmaystillberesponsibleformosttaxesandstudentloans;debtsincurredtopaynondischargeabletaxes;domestic &e%+ supportandpropertysettlementobligations;mostfines,penalties,forfeitures,andcriminalrestitutionobligations;certain 'A&, debtswhicharenotproperlylistedinyourbankruptcypapers;anddebtsfordeathorpersonalinjurycausedbyoperating ('- amotorvehicle,vessel,oraircraftwhileintoxicatedfromalcoholordrugs.Also,ifacreditorcanprovethatadebt a)'. arosefromfraud,breachoffiduciaryduty,ortheft,orfromawillfulandmaliciousinjury,thebankruptcycourtmay =*(/ determinethatthedebtisnotdischarged. +)0 #&%%&y#&y%%&  8 Chapter13:RepaymentofAllorPartoftheDebtsofanIndividualwithRegularIncome($150filingfee, ,i+2 $39administrativefee:Totalfee$189)  -E,3  8 1.Chapter13isdesignedforindividualswithregularincomewhowouldliketopayallorpartof .!-4 theirdebtsininstallmentsoveraperiodoftime.Youareonlyeligibleforchapter13ifyourdebtsdonotexceedcertain e/-5  dollaramountssetforthintheBankruptcyCode. A0.6 ) 8 2.Underchapter13,youmustfilewiththecourtaplan#&%%&y#&y%%&torepayyourcreditorsallorpartofthemoneythatyou  owethem,usingyourfutureearnings.Theperiodallowedbythecourttorepayyourdebtsmaybethreeyearsorfive  years,dependinguponyourincomeandotherfactors.#&%%&y#&y%%&ԀThecourtmustapproveyourplanbeforeitcantakeeffect.   8 3.Aftercompletingthepaymentsunderyourplan,yourdebtsaregenerallydischargedexceptfordomestic  supportobligations;moststudentloans;certaintaxes;mostcriminalfinesandrestitutionobligations;certaindebtswhich p arenotproperlylistedinyourbankruptcypapers;certaindebtsforactsthatcauseddeathorpersonalinjury;andcertain hL longtermsecuredobligations. D(   8 Chapter11:Reorganization($1000filingfee,$39administrativefee:Totalfee$1039)     8 Chapter11isdesignedforthereorganizationofabusinessbutisalsoavailabletoconsumerdebtors.Its    provisionsarequitecomplicated,andanydecisionbyanindividualtofileachapter11petitionshouldbereviewedwith    anattorney.  t    8 Chapter12:FamilyFarmerorFisherman($200filingfee,$39administrativefee:Totalfee$239)  H,   8 Chapter12isdesignedtopermitfamilyfarmersandfishermentorepaytheirdebtsoveraperiodoftimefrom $  futureearningsandissimilartochapter13.Theeligibilityrequirementsarerestrictive,limitingitsusetothosewhose   incomearisesprimarilyfromafamilyownedfarmorcommercialfishingoperation.#&%%&y3# &%%&    #&%% &a"#3.BankruptcyCrimesandAvailabilityofBankruptcyPaperstoLawEnforcementOfficials  t   Apersonwhoknowinglyandfraudulentlyconcealsassetsormakesafalseoathorstatementunderpenaltyof @$ perjury,eitherorallyorinwriting,inconnectionwithabankruptcycaseissubjecttoafine,imprisonment,orboth.All  informationsuppliedbyadebtorinconnectionwithabankruptcycaseissubjecttoexaminationbytheAttorneyGeneral  actingthroughtheOfficeoftheUnitedStatesTrustee,theOfficeoftheUnitedStatesAttorney,andothercomponentsand  employeesoftheDepartmentofJustice.     r    "  z    *      2 WARNING: Section521(a)(1)oftheBankruptcyCoderequiresthatyoupromptlyfiledetailedinformationregardingyour P4 creditors,assets,liabilities,income,expensesandgeneralfinancialcondition.Yourbankruptcycasemaybedismissedif , thisinformationisnotfiledwiththecourtwithinthetimedeadlinessetbytheBankruptcyCode,theBankruptcyRules,and  thelocalrulesofthecourt.      Certificateof[NonAttorney]BankruptcyPetitionPreparer  p (H %&  I,the[nonattorney]bankruptcypetitionpreparersigningthedebtorspetition,herebycertifythatIdeliveredtothedebtorthis dH  noticerequiredby342(b)oftheBankruptcyCode.#&% H(# ( ! ________________________________________0 * 0*%*%0%%___________________________________"%% H %&Printednameandtitle,ifany,ofBankruptcyPetitionPreparer#&% H\*#0 * 0*%*%H %&0%%SocialSecuritynumber(Ifthebankruptcypetition #%%    r    "  z    *   0  preparerisnotanindividual,statetheSocialSecurity#&% H*#H %&!l$%% Address:0 r 0r%r%0" %%0z " %" %0z %z %0*%%0*%*%0%%numberoftheofficer,principal,responsibleperson,or @%  @%  @%  @%  @%  @%  @%  @%  @% #&% HI,#H %&L"0%%% ________________________________________0   *     partnerofthebankruptcypetitionpreparer.)(Required#&% H-#H %&#&%%    r    "  z   0 * 0*%*%0%%by11U.S.C.110.)#&% H.#H %&# '%% X_______________________________________0  0*%%0*%*%0%%$|!(%% SignatureofBankruptcyPetitionPreparerorofficer, \%@") principal,responsibleperson,orpartnerwhoseSocial  &#* Securitynumberisprovidedabove. &#+ #&% H/#   CertificateoftheDebtor  (d%- 1H %&  I(We),thedebtor(s),affirmthatI(we)havereceivedandreadthisnotice. X)<&. _________________________________________0  0*%%0*%*%X___________________________________*'0%% PrintedName(s)ofDebtor(s)0 " 0z " %" %0z %z %0*%%0*%*%SignatureofDebtor0%%0%%Date+(1%% CaseNo.(ifknown)____________________0  0*%%0*%*%X___________________________________,-*3%%    r    "  z    *   SignatureofJointDebtor(ifany)0  Date-*4%% #&% H1#