EFTA00603367.pdf

Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main B1 Official Form 1) 12/11 United States Bankruptcy Court District of New Jersey Voluntary Petition Name of Debtor (if individual. enter Last. First. Middle): Name of Joint Debtor (Spouse) (Last. First Middle): Ross, Michael Robert All Other Names used by the Debtor in the last 8 years All Other Names used by the Joint Debtor in the last 8 years (include married, maiden and trade names): (include married, maiden and trade names): Last four digits of Sac. Sec. or Individual-Taxpayer I.D. (ITIN) /Complete UN Last four digits of Soc. Sec. or Individual-Taxpayer I.D. °TWO/Complete ElN (if more than one, state all): (if more than one, state all): Street Address of Debtor (No. & Street. City. State & Zip Code): Street Address of Joint Debtor (No. & Street. City. State & Zip Code): ZIPCODE ZIPCODE Count of Residence or of the Principal Place of Business: County of Residence or of the Principal Place of Business: Mailing Address of Debtor (if different front street address) Mailing Address of Joint Debtor (if different front street address): ZIPCODE ZIPCODE Location of Principal Assets of Business Debtor (if different from street address above): ZIPCODE x 0 Type of Debtor Nature of Business Chapter of Bankruptcy Code Under Which (Form of Organization) (Check one box.) the Petition is Filed (Check one box.) (Check one box.) • Health Care Business grChapter 7 O Chapter 15 Petition for E grIndividual (includes Joint Debtors) M Single Asset Real Estate as defined in II MI Chapter 9 Recognition of a Foreign LL See Erhibir D on page 2 ofthis form. U.S.C. 5101(51B) • Chapter II Main Proceeding O Corporation (includes LLC and LLP) • Railroad • Chapter 12 O Chapter 15 Petition for • Partnership • Stockbroker • Chapter 13 Recognition of a Foreign O Other (If debtor is not one of the above entities. O Commodity Broker Nonmain Proceeding check this box and state type of entity below.) • Clearing Bank Nature of Debts • Other (Check one box.) Chapter 15 Debtor Country of debtor's center of main interests: g Debts arc primarily consumer • Debts arc primarily Tax-Exempt Entity debts, defined in II U.S.C. business debts. (Check box. if applicable.) 4 101(8) as "incurred by an Each country in which a foreign proceeding by. • Debtor is a tax-exempt organization under individual primarily for a regarding. or against debtor is pending: Title 26 of the United States Code (the personal family. or house- Internal Revenue Code). hold Nrpose." Fling Fee (Check one box) Chapter II Debtors Check one box: grFull Filing Fee attached • Debtor is a small business debtor as defined in I I U.S.C. 4 101(51D). • Filing Fee to be paid in installments (Applicable to individuals • Debtor is not a small business debtor as defined in I I U.S.C. 4 101(5ID). only). Must attach signed application for the court's Check if: consideration certifying that the debtor is unable to pay foe O Debtor's aggregate nonconungent bquidated debts (excluding debts onvd to insiders or affiliates) re less except in installments. Rule 1006(b). See Official Form 3A. than 52.343.300 (amount sublet? to adjustment on 1/01/13 and nay three years thereafter). El Filing Fee waiver requested (Applicable to chapter 7 individuals Check all applicable boxes: only). Must attach signed application for the court's • A plan is being filed with this petition consideration. See Official Form :rB M Acceptances of the plan were solicited prepetition from one or more classes of creditors, in accordance with II U.S.C. 11126(b). StatistieriV.1dininis teat is e Information THIS SPACE IS FOR Debtor estimates that funds will be available for distribution to unsecured creditors. COURT USE ONLY Debtor estimates that. after any exempt property is excluded and administrative expenses paid. there will be no funds available for distribution to unsecured creditors. Estimated Number of Creditors Lir • • O O O O • a O 1-49 50-99 100-199 200-999 1.000- 5.(X)t. 10.(X)1- 25,00I- 50.001- Over 5.000 10.000 25.(00 50.000 100.000 100.000 Estimated Assets RI O s O s O • O • O $0 to $50.001 to $100,001 to $500.001 to $1.000,001 to $10,000,011 $50.000.001 to 5100.0W.001 $500.000.001 More than $50,00 $100.000 8500.000 $1 million $10 million to $50 million $100 million to 55(X) million to SI billion SI billion Estimated Liabilities • • • • Ikl" • • • • O $0 to $50.001 to 4100.001 to 4500.001 to $1.000001 to $10.000.001 $50.000.001 to S100.000.001 5500.000.001 More than $50000 $100.0X) $500.000 SI million $10 million to 550 million 510D million to 55(X) million to 51 billion SI billion EFTA00603367  Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main B1 (Official Form I) (12/11) MIN iMPnt Par 7 of 7R Page 2 Voluntary Petition Name of Debtor(s): (This page must be completed andfiled in every case) Ross, Michael Robert All Prior Bankruptcy Case Filed Within Last 8 Years (If more than two, attach additional sheet) Location Case Number: Date Filed: Where Fiao:None Location Case Number: Date Filed: Where Filed: Pending Bankruptcy Case Filed by any Spouse, Partner or Affiliate of this Debtor (If more than one. attach additional sheet) Name of Debtor: Case Number: Date Filed: None District: Relationship: Judge: Exhibit A Exhibit B (To be completed if debtor is required to file periodic reports (e.g.. forms (To be completed if debtor is an individual 10K and 10Q) with the Securities and Exchange Commission pursuant to whose debts are primarily consumer debts.) Section 13 or 15(d) of the Securities Exchange Act of 1934 and is I. the attorney for the petitioner named in the foregoing petition. declare requesting relief under chapter 11.) that I have informed the petitioner that the or she] may proceed under chapter 7. IL 12. or 13 of title II. United States Code, and have O Exhibit A is attached and made a part of this petition. explained the relief available under each such chapter. I further certify that I delivered to the debtor the notice required by 11 U.S.C. § 342(b). z 0 X /s/ Eugene D. Roth 12/07/12 a Signature of Attorney far Debtor(%) Date E Exhibit C Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety? O Yes, and Exhibit C is attached and made a part of this petition. iEr No s g Exhibit D (To be completed by every individual debtor. If a joint petition is filed. each spouse must complete and attach a separate Exhibit D.) Er Exhibit D completed and signed by the debtor is attached and made a part of this petition. If this is a joint petition: O Exhibit D also completed and signed by the joint debtor is attached a made a part of this petition. Information Regarding the Debtor - Venue (Check any applicable box.) g . Debtor has been domiciled or has had a residence, principal place of business. or principal assets in this District for 180days immediately preceding the date of this petition or for a longer part of such 180 days than in any other District. O There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District. O Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in this District. or has no principal place of business or assets in the United States but is a defendant in an action or proceeding fin a federal or state coun] in this District, or the interests of the parties will be served in regard to the relief sought in this District. Certification by a Debtor Who Resides as a Tenant of Residential Property (Check all applicable boxes.) Li Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked. complete the following.) (Name of landlord that obtained judgment) (Address of landlord) O Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure the entire monetary default that gave rise to the judgment for possession. after the judgment for possession was entered. and O Debtor has included in this petition the deposit with the court of any rent that would become due during the 30-day period after the filing of the petition. O Debtor certifies that he/she has served the Landlord with this certification. (I 1 U.S.C. § 362(1)). EFTA00603368  Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main B1 (Official Form 1 12/11 Pate . Voluntary Petition Name of Debtor(s): (This page must be completed andfiled in every case) Ross, Michael Robert Signatures Signature(s) of Debtor(s) (Individual/Joint) Signature of a Foreign Representative I declare under penalty of perjury that the information provided in this I declare under penalty of perjury that the information provided in this petition is true and correct. petition is true and correct. that I am the foreign representative ofa debtor [If petitioner is an individual whose debts are primarily consumer debts in a foreign proceeding. and that I am authorized to file this petition. and has chosen to file under Chapter 71 I am aware that I may proceed (Check only one box.) under chapter 7. II. 12 or 13 of title II. United States Code, understand the relief available under each such chapter. and choose to proceed under O I request relief in accordance with chapter 15 of title 11. United States Code. Certified copies of the documents required by 11 U.S.C. chapter 7. § 1515 are attached. [If no attorney represents me and no bankruptcy petition preparer signs the petition] I have obtained and read the notice required by I I U.S.C. § O Pursuant to 11 U.S.C. § 1511.1 request relief in accordance with the 342(b). chapter of title II specified in this petition. A certified copy of the I request relief in accordance with the chapter of title II. United States order granting recognitionof the foreign main proceeding is attached. Code, specified in this petition. X Is/Michael Robert Ross Signature of Foreign Representative Signature of Odder Michael Robert Ross X Tanned Name of Foreign Representative Signature of Joint Debtor Date Telephone Number (hoot represented by attorney) O O December 7, 2012 Date a Signature of Attorney Signature of Non-Attorney Petition Preparer E LL I declare under penalty of perjury that: I) I am a bankmptcy petition X Is/Eugene D. Roth preparer as defined in II U.S.C. § 110; 2) I prepared this document for Signature of Attorney for Dcbto” ,. compensation and have provided the debtor with a copy of this document and the notices and information required under II U.S.C. §§ 110(b), Eugene D. Roth 110(h) and 342(b); and 3) if rules or guidelines have been promulgated Law Office of Eugene D. Roth pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services 2520 Hwy. 35. Ste. 307 chargeable by bankruptcy petition preparers. I have given the debtor Manasquan. NJ 08736 notice of the maximum amount before preparing any document for filing iP If for a debtor or accepting any fee from the debtor, as required in that th Nection. Official Form 19 is attached. R p Printed Name and title. if any. of Bankruptcy Petition Pr/parse Social Seemly Number (If die bankruptcy petition prepare, 01 nd 'dual. t te the Social Sects* number ti the officer. principal responsible person or partner of the bankruptcy petition preparer.) (Required by II U.S.C. § 110.) December 7, 2012 Date •In a case in which i 707(bX4)(D) applies. this signature also constitutes a Address certification that the attorney has no knowledge after an inquiry that the information in the schedules is incorrect. Signature of Debtor (Corporation/Partnership) I declare under penally of perjury that the information provided in this X petition is uue and correct, and that I have been authorized to file this Signature petition on behalf of the debtor. Date The debtor requests relief in accordance with the chapter of title II. Signature of Bankruptcy Petition Preparer or officer. principal. responsible United States Code. specified in this petition. person. or partner whose social security number is provided above. Names and Social-Security numbers of all other individuals who prepared or X assisted in preparing this document unless the bankruptcy petition preparer is Signature of Authorized Individual not an individual: Printed Name of Authorized Individual If more than one person prepared this document, attach additional sheets conforming to the appropriate official form for each person. A bankruptcy petition preparers failure to comply with the prorisions of tide 11 Tide of Authorized Individual and the Federal Rules ofBankruptcy Procedure may result in fines or imprisonment or both 11 U.S.C. § 110: 18 U.S.C. § 156. Date EFTA00603369  Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main BID (Official Form I. Exhibit D) (l2J09) Document Page 4 of 26 United States Bankruptcy Court District of New Jersey IN RE: Case No. Ross. Michael Robert Chapter 7 Dcbtor(s) EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE CREDIT COUNSELING REQUIREMENT Warning: You must be able to check truthfully one of the five statements regarding credit counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your creditors will be able to resume collection activities against you. If your case is dismissed and you file another bankruptcy case later, you may be required to pay a second filing fee and you may have to take extra steps to stop creditors' collection activities. Every individualdebtor mustfile this ExhibitD. Ifajoint petition isfiled, each spouse must complete andfile a separate ExhibitD. Check one of thefi ve statements below and attach any documents as directed. I. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have a certificate from the agency describing the services provided to me. Attach a copy ofthe certificate and a copy of any debt repayment plan developed through the agency. 4 ❑ 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling agency approved by ci the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do not have a certificate from the agency describing the services provided to me. You must file a copy ofa certificatefrom the agency describing the servicesprovided to you and a copy ofany debt repayment plan developed through 1 ❑ 3. I certify that I requested credit counseling services from an approved agency but was unable to obtain the services during the seven the agency no later than 14 days after your bankruptcy case isfiled. days from the time I made my request, and the following exigent circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case now. (Summarize exigent circumstances here.( LL N W e If your certification is satisfactory to the court, you must still obtain the credit counseling briefing within the first 30 days after you Fde your bankruptcy petition and promptly file a certificate from the agency that provided the counseling, together with a copy of any debt management plan developed through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days. Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy case without first receiving a credit counseling briefing. El 4. I am not required to receive a credit counseling briefing because of: (Check the applicable statement.I (Must be accompanied by a motion for determination by the court ( ❑ Incapacity. (Defined in II U.S.C. § 109(h)(4) as impaired by reason of mental illness or mental deficiency so as to be incapable of realizing and making rational decisions with respect to financial responsibilities.); ❑ Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or through the Internet.); p Active military duty in a military combat zone. ❑ 5. The United States trustee or bankruptcy administrator has determined that the credit counseling requirement of 11 U.S.C. § 109(h) does not apply in this district. I certify under penalty of perjury that the information provided above is true and correct. Signature of Debtor: Is/Wheel Robert Ross Date: December 7, 2012 EFTA00603370  Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 5 of 26 B201A (Form 201A) (11/11) UNITED STATES BANKRUPTCY COURT NOTICE TO CONSUMER DEBTOR(S) UNDER §342(b) OF THE BANKRUPTCY CODE In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of bankruptcy proceedings you may commence; and (3) Informs 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. Thus, you may wish to seek the advice of an attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice. Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In 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. If 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 0 statement with the court requesting that each spouse receive a separate copy of all notices. 1. Services Available from Credit Counseling Agencies E With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a joint case must complete the briefing. In 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. The clerk also has a list of approved financial management instructional courses. Each debtor in a joint case must complete the course. 2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors Chapter 7: Liquidation ($245 filing fee, $46 administrative fee, $15 trustee surcharge: Total fee $306) Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors 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. If your income is greater than the median income for your state of residence and family size, in some cases, the United States trustee (or bankruptcy administrator), the trustee, or creditors have the right to file a motion requesting that the court dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed. Under 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. The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your EFTA00603371  Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 6 of 26 B201A (Form 201A) (11/11) Page 2 discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated. Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, 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. Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee, $46 administrative fee: Total fee $281) Chapter 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 Code. Under 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. The period allowed by the court to repay your debts may be three years or five years, depending upon your income and other factors. The court must approve your plan before it can take effect. 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 0 secured obligations. E Chapter 11: Reorganization ($1000 filing fee, $46 administrative fee: Total fee $1046) LL Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quite complicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney. Chapter 12: Family Farmer or Fisherman ($200 filing fee, $46 administrative fee: Total fee $246) Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from F future earnings and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose th income arises primarily from a family-owned farm or commercial fishing operation. 3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials 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 Office of the United States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice. WARNING: Section 521(a)(1) of the Bankruptcy Code 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 Code, the Bankruptcy Rules, and the local rules of the court. The documents and the deadlines for filing them are listed on Form B200, which is posted at httplAvww.uscourts.Rov/bkforms/bankruptcy forms.html#procedure. EFTA00603372  B201B(FacM )45,0702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 7 of 26 United States Bankruptcy Court District of New Jersey IN RE: Case No. Ross Michael Robert Chapter 7 Debtor(s) CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S) UNDER § 342(b) OF THE BANKRUPTCY CODE Certificate of [Non-Attorney] Bankruptcy Petition Preparer I, the [non-attorney] bankruptcy petition preparer signing the debtor's petition, hereby certify that I delivered to the debtor the attached notice, as required by § 342(b) of the Bankruptcy Code. Printed Name and title. if any. of Bankruptcy Petition Preparer Social Security number (If the bankruptcy Address: petition preparer is not an individual, state the Social Security number of the officer, principal, responsible person, or partner of the bankruptcy petition preparer.) (Required by II U.S.C. § 110.) X 0 Signature of Bankruptcy Petition Preparer of officer, principal, responsible person, or partner whose Social Security number is provided above. a E Certificate of the Debtor I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy Code. Ross, Michael Robert X is/ Michael Robert Ross 12/07/2012 Printed Name(s) of Debtor(s) Signature of Debtor Date th Case No. (if known) X Signature of Joint Debtor (if any) Date Instructions: Attach a copy of Form B 201A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code. Use this form to certify that the debtor has received the notice required by I I U.S.C. § 342(b) only if the certification has NOT been made on the Voluntary Petition, Official Form B I. Exhibit B on page 2 of Form B1 contains a certification by the debtor's attorney that the attorney has given the notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on page 3 of Form B I also include this certification. EFTA00603373  Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 8 of 26 United States Bankruptcy Court District of New Jersey IN RE: Case No. Ross, Michael Robert Chapter 7 Debtor(s) DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR I. Pursuant to I I U.S.C. § 329(a) and Bankruptcy Rule 2016(b). I certify that I am the attorney for the above-named debtor(s) and that compensation paid to me within one year before the filing of the petition in bankruptcy. or agreed to be paid tome. for services rendered or to be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows: For legal services. I have agreed to accept S 1,750.00 Prior to the filing of this statement I have received S 1,750.00 Balance Due 0.00 rte 2. The source of the compensation paid to me was: EiDebtor I:Other (specify): 3. The source of compensation to be paid to me is: O Debtor ❑ Other (specify): 4. Er I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm. ❑ I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A copy of the agreement. together with a list of the names of the people sharing in the compensation. is attached. 0 5. In return for the above-disclosed fee. I have agreed to render legal service for all aspects of the bankruptcy case. including: a. Analysis of the debtor's financial situation. and rendering advice to the debtor in determining whether to file a petition in bankruptcy: E b. Preparation and filing of any petition. schedules, statement of affairs and plan which may be required: LL c. Representation of the debtor at the meeting of creditors and confirmation hearing. and any adjourned hearings thereof: d. e. 'Other provisions as needed] 53 ; 6. By agreement with the debtor(s). the above disclosed fee does not include the following services: CERTIFICATION certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in this bankruptcy proceeding. December 7, 2012 /s/ Eugene D. Roth Date Eugene D. Roth Law Office of Eugene D. Roth 2520 Hwy. 35. Ste. 307 Manasquan, NJ 08736 EFTA00603374  B6A (orfignl,§algWP2 - KC F Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 9 of 26 IN RE Ross, Michael Robert Case No. Debtor(s) Of known) SCHEDULE A - REAL PROPERTY Except 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. Include any property in which the debtor holds rights and powers exercisable for the debtor's own benefit. If the debtor is married, state whether the husband. wife. both. or the marital community own the property by placing an "H: "W." 1: or "C" in the column labeled "Husband. Wife, Joint. or Community." If the debtor holds no interest in real property, write - None- under "Description and Location of Property." Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and Unexpired Leases. If an entity claims to have a lien or hold a secured interest in any property. state the amount of the secured claim. See Schedule D. If no entity claims to hold a secured interest in the property. write - None" in the column labeled "Amount of Secured Claim." If 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 C - Property Claimed as Exempt. HUSBAND. WIFE. JOINT. OR COMMUNITY CURRENT VALUE OF DEBTORS INTEREST IN N xiVRE OP CBEIDDRS PROPERTY WITHOUT AMCIUNT OF SECURED DESCRIPTION AND LOCATION OF PROPERTY :X 1 EFEET IN PROPERTY DEDUCTING ANY °RIM SECURED CLAIM OR EXEMPTION None 0 W e (A TOTAL 0.00 'Report also on Summary of Schedules) EFTA00603375  B60 torticgcl..§AjgAJP2 - '<OF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 10 of 26 IN RE Ross, Michael Robert Case No. Debtortsi fIf known) SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS State the name, mailing address. including zip code, and last four digits of any account number of all entities holding claims secured by prepeny of the debtor as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the tnrstee 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 mist. and other security interests. List creditors in alphabetical order to the extent practicab