Mitchell plan by jiml3901


									In the United States Bankruptcy Court For the District of Maryland In Re: Mary Mitchell Case No. 09-22448


Chapter 13














I HEREBY CERTIFY that a copy of the attached CHAPTER 13 PLAN was sent electronically via ECF and/or first class mail, postage pre-paid unto the below listed parties the 29nd day of December, 2009.

____/S/ James R. Logan________ James R. Logan Attorney for the Debtor 2419 Maryland Avenue Baltimore, MD 21218 (410) 243-1508

Gerard Vetter, Trustee Via ECF

CitiMortgage, Inc. c/o Joe M. Lozano, Jr. 1000 Technology Drive O Fallon, MO 63368-2240 Afni, Inc. Po Box 3097 Bloomington, IL 61702-3097 Bureau Of Collection R 7575 Corporate Way Eden Prairie, MN 55344-2000 Chase Home Finance, LLC s/b/m to Chase Manha C/O Michael T. Cantrell 210 E. Redwood Street Suite 400 Baltimore, Maryland 21202-3328 CitiMortgage P O Box 6941 The Lakes, NV 88901-6941 Credit Management Co 2121 Noblestown Rd Pittsburgh, PA 15205-3956 Dantech, Inc 11403 A Cronhill Dr Owings Mills, MD 21117-6217 Discover Fin Svcs Llc Po Box15316 Wilmington, DE 19850-5316 Nco Fin /99 Po Box 15636 Wilmington, DE 19850-5636 CITIMORTGAGE, INC. c/o Bierman, Geesing & Ward, LLC 4520 East West Highway Suite 200 Bethesda, MD 20814-3382 Owings Choice HOA, Inc. c/o Michael S. Neall & Associates, PC P O Box 488 Arnold, MD 21012-0488

Baltimore County, Maryland c/o John E. Beverungen, County Attorney 400 Washington Avenue, Room 219 Towson, MD 21204-4606 Chase 201 N Walnut St # De1-10 Wilmington, DE 19801-2920 Chase Home Finance,LLC s/b/m to Chase Manhat C/O Michael T. Cantrell 210 E. Redwood Street Suite 400 Baltimore, Maryland 21202-3328 Citimortgage Inc Po Box 9438 Gaithersburg, MD 20898-9438 (p)INTERNAL REVENUE SERVICE CENTRALIZED INSOLVENCY OPERATIONS PO BOX 21126 PHILADELPHIA PA 19114-0326 First Financial Fcu Of 1215 York Rd Lutherville, MD 21093-6207 Owings Choice HOA C/O Michael S. Nealll, Esq. PO Box 488 Arnold, MD 21012-0488 Chase Home Finance, LLC s/b/m to Chase Manhattan Mortgage Corp. c/o Michael T. Cantrell 210 E. Redwood Street, Suite 400 Baltimore, MD 21202-3328 SOVEREIGN BANK Law Offices of Shapiro & Burson, LLP 13135 Lee Jackson Hwy, Suite 201 Fairfax, VA 22033-1907 Bank Of America 4060 Ogletown/stan Newark, DE 19713

Chase Po Box 15298 Wilmington, DE 19850-5298 Chase Manhattan Mtge 3415 Vision Dr Columbus, OH 43219-6009 DISCOVER BANK DFS Services LLC PO Box 3025 New Albany, Ohio 43054-3025 Discover C/O Jennifer Anthony, Esq. 702 King Farm Blvd Rockville, MD 20850-5774 Jprecovery 20220 Center Ridge Rocky River, OH 44116-3501 R And R Prfssnl Recovery 1500 Reierstown Rd Pikesville, MD 21208-4339 Receivable Management Pob 17305 Richmond, VA 23226-7305 Sprint Nextel Correspondence Attn Bankruptcy Dept PO Box 7949 Overland Park KS 66207-0949 Sovereign Bank 601 Penn Street Mail Code 10-6438-MD4 Reading, Pennsylvania 19601-3544 Sprint Nextel Distribution Attn: Bankruptcy Dept P.O Box 3326 Englewood, CO 80155-3326 eCAST Settlement Corporation, assignee of Chase Bank USA, N.A. POB 35480 Newark, NJ 07193-5480

Sovereign Bank Fsb 1130 Berkshire Blvd 3rd Floor Wyomissing, PA 19610-1242


Case No. Chapter

09-22448 13


CHAPTER 13 PLAN __ Original Plan _X_ Amended Plan __ Modified Plan The Debtor proposes the following Chapter 13 plan and makes the following declarations: 1. The future earnings of the Debtor are submitted to the supervision and control of the Trustee, and Debtor will pay as follows (select only one): a. $___ _______ per month for a term of ____ _____ months. OR b. $_400.00_ _____per month for ____ 5 ___month(s), $_1,250.00____ _ per month for ____ 55 __month(s), __month(s), for a $__ _ per month for ____ total term of __60 __ months. OR $__________________per month prior to confirmation of this plan, and $_________ per month after confirmation of this plan, for a total term of _________ months (if this option is selected, complete 2.e.i).



From the payments received, the Trustee will make the disbursements in the order described below: a. Allowed unsecured claims for domestic support obligations and trustee commissions. Administrative claims under 11 U.S.C. §507(a)(2), including attorney's fee balance of $_ 3,320.00*__ (unless allowed for a different amount by an order of court). (*To be paid in accordance with Paragraph 4B of Local Rule Appendix F.) Claims payable under 11 U.S.C. § 1326(b)(3). Specify the monthly payment: $ ____________. Other priority claims defined by 11 U.S.C. §507(a)(3)-(10). The Debtor anticipates the following priority claims: Concurrent with payments on non-administrative priority claims, the Trustee will pay secured creditors as follows: I. Until the plan is confirmed, adequate protection payments and/or personal property lease payments on the following claims will be paid directly by






the Debtor; and, after confirmation of the plan, the claims will be treated as specified in 2.e.ii and 2.e.iii, below (designate the amount of the monthly payment to be made by the Debtor prior to confirmation, and provide the redacted account number (last 4 digits only), if any, used by the claimant to identify the claim): Redacted Acct. No. Monthly Payment


Pre-petition arrears on the following claims will be paid through equal monthly amounts under the plan while the Debtor maintains post-petition payments directly (designate the amount of anticipated arrears, and the amount of the monthly payment for arrears to be made under the plan): Monthly Payment $701.15 324.69 No. of Mos. 4-44 4-44

Claimant Anticipated Arrears Chase Manhattan #1834 $27,859.20 Secured by 4302 Travancore Sovereign Bank $12,901.05 Secured by 9214 Owings Choice iii.

The following secured claims will be paid in full, as allowed, at the designated interest rates through equal monthly amounts under the plan: Claimant Amount % Rate Monthly Payment No. of Mos.: Dantech $763.07 10% $24.24 4-44 Baltimore County $175.00 0% $4.40 4-44 Owings Choice HOA $2,002.06 18% $70.52 4-44 iv. The following secured claims will be satisfied through surrender of the collateral securing the claims (describe the collateral); any allowed claims for deficiencies will be paid pro rata with general unsecured creditors; upon confirmation of the plan, the automatic stay is lifted, if not modified earlier, as to the collateral of the listed creditors: None. The following secured claims are not affected by this plan and will be paid outside of the plan directly by the Debtor: Chase Manahattan #0376 secured by 3507 Elmley Chase Manhattan #6655 secured by 3140 Kenyon Avenue Citimortgage secured by 3303 Kenyon Avenue vi. If any secured claim not described in the previous paragraphs is filed and not disallowed, that claim shall be paid or otherwise dealt with outside the plan directly by the Debtor, and it will not be discharged upon completion of the plan.



In the event that the trustee is holding funds in excess of those needed to make the payments specified in the Plan for any month, the trustee may pay secured claims listed in paragraphs 2.e.ii and 2.e.iii in amounts larger than those specified in such paragraphs.


After payment of priority and secured claims, the balance of funds will be paid 100% on allowed general, unsecured claims. (If there is more than one class of unsecured claims, describe each class.)


The amount of each claim to be paid under the plan will be established by the creditor's proof of claim or superseding Court order. The Debtor anticipates filing the following motion(s) to value a claim or avoid a lien. (Indicate the asserted value of the secured claim for any motion to value collateral.):


Payments made by the Chapter 13 trustee on account of arrearages on pre-petition secured claims may be applied only to the portion of the claim pertaining to pre-petition arrears, so that upon completion of all payments due under the Plan, the loan will be deemed current through the date of the filing of this case. For the purposes of the imposition of default interest and post- petition charges, the loan shall be deemed current as of the filing of this case. Secured Creditors who are holding claims subject to cramdown will retain their liens until the earlier of the payment of the underlying debt determined under nonbankruptcy law, or discharge under § 1328; and if the case is dismissed or converted without completion of the plan, the lien shall also be retained by such holders to the extent recognized under applicable nonbankruptcy law. The following executory contracts and/or unexpired leases are assumed (or rejected, so indicate); any unexpired lease with respect to personal property that has not previously been assumed during the case, and is not assumed in the plan, is deemed rejected and the stay of §§ 362 and/or 1301 is automatically terminated: Title to the Debtor’s property shall revest in the Debtor when the Debtor is granted a discharge pursuant to 11 U.S.C. §1328, or upon dismissal of the case, or upon closing of the case. Non-standard Provisions:





___12/23/09____ Date

__/S/ Mary Mitchell________ Debtor

__/S/ James R. Logan_____ Attorney for Debtor

__________________________________ Joint Debtor

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