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gov.uscourts.ilnb.1336826/gov.uscourts.ilnb.1336826.1.0.pdf
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304399
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Additional Metadata
JSON
{
"Author": "James I. Bernicky - s/n:39218",
"CreationDate": "D:20151207124802-06\u002700\u0027",
"Creator": "Best Case C9 v25-151130 - s/n:39218",
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"Subject": "Allegretti, James \u0026 Alicia - James Bernicky # 6299091",
"Title": "Bankruptcy Forms",
"page_count": 52
}
Would you train on this document?
Document Viewer
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Fill in this information to identify your case:
United States Bankruptcy Court for the:
NORTHERN DISTRICT OF ILLINOIS
Case number (if known) Chapter you are filing under:
Chapter 7
Chapter 11
Chapter 12
Chapter 13 Check if this an
amended filing
B 101
Voluntary Petition for Individuals Filing for Bankruptcy 12/15
The bankruptcy forms use you and Debtor 1 to refer to a debtor filing alone. A married couple may file a bankruptcy case together—called a joint
case—and in joint cases, these forms use you to ask for information from both debtors. For example, if a form asks, “Do you own a car,” the answer
would be yes if either debtor owns a car. When information is needed about the spouses separately, the form uses Debtor 1 and Debtor 2 to
distinguish between them. In joint cases, one of the spouses must report information as Debtor 1 and the other as Debtor 2. The same person must be
Debtor 1 in all of the forms.
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If
more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer
every question.
Part 1: Identify Yourself
About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):
1. Your full name
Write the name that is on
your government-issued
picture identification (for
example, your driver's
license or passport).
Bring your picture
identification to your
meeting with the trustee.
James Alicia
First name First name
Middle name Middle name
Allegretti Allegretti
Last name and Suffix (Sr., Jr., II, III) Last name and Suffix (Sr., Jr., II, III)
2. All other names you have
used in the last 8 years
Include your married or
maiden names.
3. Only the last 4 digits of
your Social Security
number or federal
Individual Taxpayer
Identification number
(ITIN)
xxx-xx-2203 xxx-xx-4933
B 101 (Official Form 101) Voluntary Petition for Individuals Filing for Bankruptcy page 1
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 1 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):
4. Any business names and
Employer Identification
Numbers (EIN) you have
used in the last 8 years
I have not used any business name or EINs. I have not used any business name or EINs.
Include trade names and
doing business as names
Business name(s) Business name(s)
EINs EINs
5. Where you live If Debtor 2 lives at a different address:
1556 Walters
Northbrook, IL 60062
Number, Street, City, State & ZIP Code Number, Street, City, State & ZIP Code
Cook
County County
If your mailing address is different from the one
above, fill it in here. Note that the court will send any
notices to you at this mailing address.
If Debtor 2's mailing address is different from yours, fill it
in here. Note that the court will send any notices to this
mailing address.
Number, P.O. Box, Street, City, State & ZIP Code Number, P.O. Box, Street, City, State & ZIP Code
6. Why you are choosing
this district to file for
bankruptcy
Check one:
Over the last 180 days before filing this
petition, I have lived in this district longer than
in any other district.
I have another reason.
Explain. (See 28 U.S.C. § 1408.)
Check one:
Over the last 180 days before filing this petition, I
have lived in this district longer than in any other
district.
I have another reason.
Explain. (See 28 U.S.C. § 1408.)
B 101 (Official Form 101) Voluntary Petition for Individuals Filing for Bankruptcy page 2
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 2 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
Part 2: Tell the Court About Your Bankruptcy Case
7. The chapter of the
Bankruptcy Code you are
choosing to file under
Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy
(Form 2010)). Also, go to the top of page 1 and check the appropriate box.
Chapter 7
Chapter 11
Chapter 12
Chapter 13
8. How you will pay the fee I will pay the entire fee when I file my petition. Please check with the clerk’s office in your local court for more details
about how you may pay. Typically, if you are paying the fee yourself, you may pay with cash, cashier’s check, or money
order. If your attorney is submitting your payment on your behalf, your attorney may pay with a credit card or check with
a pre-printed address.
I need to pay the fee in installments. If you choose this option, sign and attach the Application for Individuals to Pay
The Filing Fee in Installments (Official Form 103A).
I request that my fee be waived (You may request this option only if you are filing for Chapter 7. By law, a judge may,
but is not required to, waive your fee, and may do so only if your income is less than 150% of the official poverty line
that applies to your family size and you are unable to pay the fee in installments). If you choose this option, you must fill
out the Application to Have the Chapter 7 Filing Fee Waived (Official Form 103B) and file it with your petition.
9. Have you filed for
bankruptcy within the
last 8 years?
No.
Yes.
District When Case number
District When Case number
District When Case number
10. Are any bankruptcy
cases pending or being
filed by a spouse who is
not filing this case with
you, or by a business
partner, or by an
affiliate?
No
Yes.
Debtor Relationship to you
District When Case number, if known
Debtor Relationship to you
District When Case number, if known
11. Do you rent your
residence?
No. Go to line 12.
Yes. Has your landlord obtained an eviction judgment against you and do you want to stay in your residence?
No. Go to line 12.
Yes. Fill out Initial Statement About an Eviction Judgment Against You (Form 101A) and file it with this
bankruptcy petition.
B 101 (Official Form 101) Voluntary Petition for Individuals Filing for Bankruptcy page 3
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 3 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
Part 3: Report About Any Businesses You Own as a Sole Proprietor
12. Are you a sole proprietor
of any full- or part-time
business?
No. Go to Part 4.
Yes. Name and location of business
A sole proprietorship is a
business you operate as
an individual, and is not a
separate legal entity such
as a corporation,
partnership, or LLC.
Name of business, if any
If you have more than one
sole proprietorship, use a
separate sheet and attach
it to this petition.
Number, Street, City, State & ZIP Code
Check the appropriate box to describe your business:
Health Care Business (as defined in 11 U.S.C. § 101(27A))
Single Asset Real Estate (as defined in 11 U.S.C. § 101(51B))
Stockbroker (as defined in 11 U.S.C. § 101(53A))
Commodity Broker (as defined in 11 U.S.C. § 101(6))
None of the above
13. Are you filing under
Chapter 11 of the
Bankruptcy Code and are
you a small business
debtor?
If you are filing under Chapter 11, the court must know whether you are a small business debtor so that it can set appropriate
deadlines. If you indicate that you are a small business debtor, you must attach your most recent balance sheet, statement of
operations, cash-flow statement, and federal income tax return or if any of these documents do not exist, follow the procedure
in 11 U.S.C. 1116(1)(B).
For a definition of small
business debtor, see 11
U.S.C. § 101(51D).
No. I am not filing under Chapter 11.
No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy
Code.
Yes. I am filing under Chapter 11 and I am a small business debtor according to the definition in the Bankruptcy Code.
Part 4: Report if You Own or Have Any Hazardous Property or Any Property That Needs Immediate Attention
14. Do you own or have any
property that poses or is
alleged to pose a threat
of imminent and
identifiable hazard to
public health or safety?
Or do you own any
property that needs
immediate attention?
No.
Yes.
What is the hazard?
If immediate attention is
needed, why is it needed?
For example, do you own
perishable goods, or
livestock that must be fed,
or a building that needs
urgent repairs?
Where is the property?
Number, Street, City, State & Zip Code
B 101 (Official Form 101) Voluntary Petition for Individuals Filing for Bankruptcy page 4
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 4 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
Part 5: Explain Your Efforts to Receive a Briefing About Credit Counseling
About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):
15. Tell the court whether
you have received a
briefing about credit
counseling.
The law requires that you
receive a briefing about
credit counseling before
you file for bankruptcy.
You must truthfully check
one of the following
choices. If you cannot do
so, you are not eligible to
file.
If you file anyway, the court
can dismiss your case, you
will lose whatever filing fee
you paid, and your
creditors can begin
collection activities again.
You must check one: You must check one:
I received a briefing from an approved credit
counseling agency within the 180 days before I
filed this bankruptcy petition, and I received a
certificate of completion.
Attach a copy of the certificate and the payment
plan, if any, that you developed with the agency.
I received a briefing from an approved credit
counseling agency within the 180 days before I filed
this bankruptcy petition, and I received a certificate of
completion.
Attach a copy of the certificate and the payment plan, if
any, that you developed with the agency.
I received a briefing from an approved credit
counseling agency within the 180 days before I
filed this bankruptcy petition, but I do not have
a certificate of completion.
Within 14 days after you file this bankruptcy
petition, you MUST file a copy of the certificate and
payment plan, if any.
I received a briefing from an approved credit
counseling agency within the 180 days before I filed
this bankruptcy petition, but I do not have a
certificate of completion.
Within 14 days after you file this bankruptcy petition, you
MUST file a copy of the certificate and payment plan, if
any.
I certify that I asked for credit counseling
services from an approved agency, but was
unable to obtain those services during the 7
days after I made my request, and exigent
circumstances merit a 30-day temporary waiver
of the requirement.
To ask for a 30-day temporary waiver of the
requirement, attach a separate sheet explaining
what efforts you made to obtain the briefing, why
you were unable to obtain it before you filed for
bankruptcy, and what exigent circumstances
required you to file this case.
Your case may be dismissed if the court is
dissatisfied with your reasons for not receiving a
briefing before you filed for bankruptcy.
If the court is satisfied with your reasons, you must
still receive a briefing within 30 days after you file.
You must file a certificate from the approved
agency, along with a copy of the payment plan you
developed, if any. If you do not do so, your case
may be dismissed.
Any extension of the 30-day deadline is granted
only for cause and is limited to a maximum of 15
days.
I certify that I asked for credit counseling services
from an approved agency, but was unable to obtain
those services during the 7 days after I made my
request, and exigent circumstances merit a 30-day
temporary waiver of the requirement.
To ask for a 30-day temporary waiver of the requirement,
attach a separate sheet explaining what efforts you made
to obtain the briefing, why you were unable to obtain it
before you filed for bankruptcy, and what exigent
circumstances required you to file this case.
Your case may be dismissed if the court is dissatisfied
with your reasons for not receiving a briefing before you
filed for bankruptcy.
If the court is satisfied with your reasons, you must still
receive a briefing within 30 days after you file. You must
file a certificate from the approved agency, along with a
copy of the payment plan you developed, if any. If you do
not do so, your case may be dismissed.
Any extension of the 30-day deadline is granted only for
cause and is limited to a maximum of 15 days.
I am not required to receive a briefing about
credit counseling because of:
I am not required to receive a briefing about credit
counseling because of:
Incapacity. I have a mental illness or a
mental deficiency that makes
me incapable of realizing or
making rational decisions
about finances.
Incapacity. I have a mental illness or a mental
deficiency that makes me incapable
of realizing or making rational
decisions about finances.
Disability. My physical disability causes
me to be unable to participate
in a briefing in person, by
phone, or through the
internet, even after I
reasonably tried to do so.
Disability. My physical disability causes me to
be unable to participate in a briefing
in person, by phone, or through the
internet, even after I reasonably tried
to do so.
Active duty. I am currently on active
military duty in a military
combat zone.
Active duty. I am currently on active military duty
in a military combat zone.
If you believe you are not required to receive a
briefing about credit counseling, you must file a
motion for waiver of credit counseling with the
court.
If you believe you are not required to receive a briefing
about credit counseling, you must file a motion for waiver
of credit counseling with the court.
B 101 (Official Form 101) Voluntary Petition for Individuals Filing for Bankruptcy page 5
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 5 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
Part 6: Answer These Questions for Reporting Purposes
16. What kind of debts do
you have?
16a. Are your debts primarily consumer debts? Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an
individual primarily for a personal, family, or household purpose.”
No. Go to line 16b.
Yes. Go to line 17.
16b. Are your debts primarily business debts? Business debts are debts that you incurred to obtain
money for a business or investment or through the operation of the business or investment.
No. Go to line 16c.
Yes. Go to line 17.
16c. State the type of debts you owe that are not consumer debts or business debts
17. Are you filing under
Chapter 7?
No. I am not filing under Chapter 7. Go to line 18.
Do you estimate that
after any exempt
property is excluded and
administrative expenses
are paid that funds will
be available for
distribution to unsecured
creditors?
Yes. I am filing under Chapter 7. Do you estimate that after any exempt property is excluded and administrative
expenses are paid that funds will be available to distribute to unsecured creditors?
No
Yes
18. How many Creditors do
you estimate that you
owe?
1-49
50-99
100-199
200-999
1,000-5,000
5001-10,000
10,001-25,000
25,001-50,000
50,001-100,000
More than100,000
19. How much do you
estimate your assets to
be worth?
$0 - $50,000
$50,001 - $100,000
$100,001 - $500,000
$500,001 - $1 million
$1,000,001 - $10 million
$10,000,001 - $50 million
$50,000,001 - $100 million
$100,000,001 - $500 million
$500,000,001 - $1 billion
$1,000,000,001 - $10 billion
$10,000,000,001 - $50 billion
More than $50 billion
20. How much do you
estimate your liabilities
to be?
$0 - $50,000
$50,001 - $100,000
$100,001 - $500,000
$500,001 - $1 million
$1,000,001 - $10 million
$10,000,001 - $50 million
$50,000,001 - $100 million
$100,000,001 - $500 million
$500,000,001 - $1 billion
$1,000,000,001 - $10 billion
$10,000,000,001 - $50 billion
More than $50 billion
Part 7: Sign Below
For you I have examined this petition, and I declare under penalty of perjury that the information provided is true and correct.
If I have chosen to file under Chapter 7, I am aware that I may proceed, if eligible, under Chapter 7, 11,12, or 13 of title 11,
United States Code. I understand the relief available under each chapter, and I choose to proceed under Chapter 7.
If no attorney represents me and I did not pay or agree to pay someone who is not an attorney to help me fill out this
document, I have obtained and read the notice required by 11 U.S.C. § 342(b).
I request relief in accordance with the chapter of title 11, United States Code, specified in this petition.
I understand making a false statement, concealing property, or obtaining money or property by fraud in connection with a
bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both. 18 U.S.C. §§ 152, 1341,
1519, and 3571.
/s/ James Allegretti /s/ Alicia Allegretti
James Allegretti Alicia Allegretti
Signature of Debtor 1 Signature of Debtor 2
Executed on December 7, 2015 Executed on December 7, 2015
MM / DD / YYYY MM / DD / YYYY
B 101 (Official Form 101) Voluntary Petition for Individuals Filing for Bankruptcy page 6
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 6 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
For your attorney, if you are
represented by one
If you are not represented by
an attorney, you do not need
to file this page.
I, the attorney for the debtor(s) named in this petition, declare that I have informed the debtor(s) about eligibility to proceed
under Chapter 7, 11, 12, or 13 of title 11, United States Code, and have explained the relief available under each chapter
for which the person is eligible. I also certify that I have delivered to the debtor(s) the notice required by 11 U.S.C. §
342(b) and, in a case in which § 707(b)(4)(D) applies, certify that I have no knowledge after an inquiry that the information
in the schedules filed with the petition is incorrect.
/s/ James Bernicky # Date December 7, 2015
Signature of Attorney for Debtor MM / DD / YYYY
James Bernicky #
Printed name
Bernicky Law Firm
Firm name
1001 E. Chicago Ave
Suite 121
Naperville, IL 60540
Number, Street, City, State & ZIP Code
Contact phone 630-909-9902 Email address info@BernickyLaw.com
6299091
Bar number & State
B 101 (Official Form 101) Voluntary Petition for Individuals Filing for Bankruptcy page 7
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 7 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 106Sum
Summary of Your Assets and Liabilities and Certain Statistical Information 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. Fill out all of your schedules first; then complete the information on this form. If you are filing amended schedules after you file
your original forms, you must fill out a new Summary and check the box at the top of this page.
Part 1: Summarize Your Assets
Your assets
Value of what you own
1. Schedule A/B: Property (Official Form 106A/B)
1a. Copy line 55, Total real estate, from Schedule A/B................................................................................................ $ 390,000.00
1b. Copy line 62, Total personal property, from Schedule A/B..................................................................................... $ 4,405.00
1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 394,405.00
Part 2: Summarize Your Liabilities
Your liabilities
Amount you owe
2. Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D)
2a. Copy the total you listed in Column A, Amount of claim, at the bottom of the last page of Part 1 of Schedule D... $ 624,337.00
3. Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F)
3a. Copy the total claims from Part 1 (priority unsecured claims) from line 6e of Schedule E/F................................. $ 0.00
3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F............................ $ 31,909.00
Your total liabilities $ 656,246.00
Part 3: Summarize Your Income and Expenses
4. Schedule I: Your Income (Official Form 106I)
Copy your combined monthly income from line 12 of Schedule I................................................................................ $ 5,500.00
5. Schedule J: Your Expenses (Official Form 106J)
Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 4,707.88
Part 4: Answer These Questions for Administrative and Statistical Records
6. Are you filing for bankruptcy under Chapters 7, 11, or 13?
No. You have nothing to report on this part of the form. Check this box and submit this form to the court with your other schedules.
Yes
7. What kind of debt do you have?
Your debts are primarily consumer debts. Consumer debts are those “incurred by an individual primarily for a personal, family, or
household purpose.” 11 U.S.C. § 101(8). Fill out lines 8-9g for statistical purposes. 28 U.S.C. § 159.
Your debts are not primarily consumer debts. You have nothing to report on this part of the form. Check this box and submit this form to
the court with your other schedules.
Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 1 of 2
Software Copyright (c) 1996-2015 Best Case, LLC - www.bestcase.com Best Case Bankruptcy
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 8 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
8. From the Statement of Your Current Monthly Income: Copy your total current monthly income from Official Form
122A-1 Line 11; OR, Form 122B Line 11; OR, Form 122C-1 Line 14. $ 5,500.00
9. Copy the following special categories of claims from Part 4, line 6 of Schedule E/F:
Total claim
From Part 4 on Schedule E/F, copy the following:
9a. Domestic support obligations (Copy line 6a.) $ 0.00
9b. Taxes and certain other debts you owe the government. (Copy line 6b.) $ 0.00
9c. Claims for death or personal injury while you were intoxicated. (Copy line 6c.) $ 0.00
9d. Student loans. (Copy line 6f.) $ 0.00
9e. Obligations arising out of a separation agreement or divorce that you did not report as
priority claims. (Copy line 6g.) $ 0.00
9f. Debts to pension or profit-sharing plans, and other similar debts. (Copy line 6h.) +$ 0.00
9g. Total. Add lines 9a through 9f. $ 0.00
Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2
Software Copyright (c) 1996-2015 Best Case, LLC - www.bestcase.com Best Case Bankruptcy
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 9 of 52
Fill in this information to identify your case and this filing:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse, if filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number Check if this is an
amended filing
Official Form 106A/B
Schedule A/B: Property 12/15
In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the category where you think
it fits best. Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If
more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.
Part 1: Describe Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In
1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?
No. Go to Part 2.
Yes. Where is the property?
1.1 What is the property? Check all that apply.
Do not deduct secured claims or exemptions. Put the
amount of any secured claims on Schedule D:
Creditors Who Have Claims Secured by Property.
Single-family home
Duplex or multi-unit building
Condominium or cooperative
Street address, if available, or other description
Manufactured or mobile home
Land
Current value of the
entire property?
Current value of the
portion you own?
City State ZIP Code Investment property $390,000.00 $390,000.00
Timeshare
Describe the nature of your ownership interest
(such as fee simple, tenancy by the entireties, or
a life estate), if known.
Other
Who has an interest in the property? Check
one.
Debtor 1 only Fee simple
Debtor 2 only
County Debtor 1 and Debtor 2 only
Check if this is community property
At least one of the debtors and another (see instructions)
Other information you wish to add about this item, such as local
property identification number: Single family residence
located at 1566 Walters Ave,
Northbrook, IL 60062-4602
Value based on Comparative
Market Analysis by Alan D'
Alba
2. Add the dollar value of the portion you own for all of your entries from Part 1, including any entries for
pages you have attached for Part 1. Write that number here...........................................................................=> $390,000.00
Part 2: Describe Your Vehicles
Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles you own that
someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases.
Official Form 106A/B Schedule A/B: Property page 1
Software Copyright (c) 1996-2015 Best Case, LLC - www.bestcase.com Best Case Bankruptcy
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 10 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles
No
Yes
3.1 Make: Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put
the amount of any secured claims on Schedule D:
Model: Debtor 1 only Creditors Who Have Claims Secured by Property.
Year: Debtor 2 only Current value of the
entire property?
Current value of the
Approximate mileage: Debtor 1 and Debtor 2 only portion you own?
Other information: At least one of the debtors and another
2000 Volvo S40 with 156k miles
Value based on Kelley Blue
Book
Check if this is community property $810.00 $810.00
(see instructions)
3.2 Make: Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put
the amount of any secured claims on Schedule D:
Model: Debtor 1 only Creditors Who Have Claims Secured by Property.
Year: Debtor 2 only Current value of the
entire property?
Current value of the
Approximate mileage: Debtor 1 and Debtor 2 only portion you own?
Other information: At least one of the debtors and another
2004 Nissan Quest with 136k
miles
Value based on Kelley Blue
Book
Check if this is community property $2,595.00 $2,595.00
(see instructions)
4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories
Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories
No
Yes
5
.
Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for
pages you have attached for Part 2. Write that number here.............................................................................=> $3,405.00
Part 3: Describe Your Personal and Household Items
Do you own or have any legal or equitable interest in any of the following items? Current value of the
portion you own?
Do not deduct secured
claims or exemptions.
6. Household goods and furnishings
Examples: Major appliances, furniture, linens, china, kitchenware
No
Yes. Describe.....
Miscellaneous used appliances and furniture $500.00
7. Electronics
Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music collections; electronic devices
including cell phones, cameras, media players, games
No
Yes. Describe.....
8. Collectibles of value
Examples: Antiques and figurines; paintings, prints, or other artwork; books, pictures, or other art objects; stamp, coin, or baseball card collections;
other collections, memorabilia, collectibles
No
Yes. Describe.....
Official Form 106A/B Schedule A/B: Property page 2
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 11 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
9. Equipment for sports and hobbies
Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes and kayaks; carpentry tools;
musical instruments
No
Yes. Describe.....
10. Firearms
Examples: Pistols, rifles, shotguns, ammunition, and related equipment
No
Yes. Describe.....
11. Clothes
Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories
No
Yes. Describe.....
Necessary used clothing $500.00
12. Jewelry
Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver
No
Yes. Describe.....
13. Non-farm animals
Examples: Dogs, cats, birds, horses
No
Yes. Describe.....
14. Any other personal and household items you did not already list, including any health aids you did not list
No
Yes. Give specific information.....
15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached
for Part 3. Write that number here .............................................................................. $1,000.00
Part 4: Describe Your Financial Assets
Do you own or have any legal or equitable interest in any of the following? Current value of the
portion you own?
Do not deduct secured
claims or exemptions.
16. Cash
Examples: Money you have in your wallet, in your home, in a safe deposit box, and on hand when you file your petition
No
Yes................................................................................................................
17. Deposits of money
Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses, and other similar
institutions. If you have multiple accounts with the same institution, list each.
No
Yes........................ Institution name:
17.1. Checking account with $0.00
17.2. Savings account with $0.00
Official Form 106A/B Schedule A/B: Property page 3
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 12 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
18. Bonds, mutual funds, or publicly traded stocks
Examples: Bond funds, investment accounts with brokerage firms, money market accounts
No
Yes.................. Institution or issuer name:
19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership,
and joint venture
No
Yes. Give specific information about them...................
Name of entity: % of ownership:
20. Government and corporate bonds and other negotiable and non-negotiable instruments
Negotiable instruments include personal checks, cashiers’ checks, promissory notes, and money orders.
Non-negotiable instruments are those you cannot transfer to someone by signing or delivering them.
No
Yes. Give specific information about them
Issuer name:
21. Retirement or pension accounts
Examples: Interests in IRA, ERISA, Keogh, 401(k), 403(b), thrift savings accounts, or other pension or profit-sharing plans
No
Yes. List each account separately.
Type of account: Institution name:
22. Security deposits and prepayments
Your share of all unused deposits you have made so that you may continue service or use from a company
Examples: Agreements with landlords, prepaid rent, public utilities (electric, gas, water), telecommunications companies, or others
No
Yes. ..................... Institution name or individual:
23. Annuities (A contract for a periodic payment of money to you, either for life or for a number of years)
No
Yes............. Issuer name and description.
24. Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program.
26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1).
No
Yes............. Institution name and description. Separately file the records of any interests.11 U.S.C. § 521(c):
25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your benefit
No
Yes. Give specific information about them...
26. Patents, copyrights, trademarks, trade secrets, and other intellectual property
Examples: Internet domain names, websites, proceeds from royalties and licensing agreements
No
Yes. Give specific information about them...
27. Licenses, franchises, and other general intangibles
Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses
No
Yes. Give specific information about them...
Money or property owed to you? Current value of the
portion you own?
Do not deduct secured
claims or exemptions.
28. Tax refunds owed to you
No
Yes. Give specific information about them, including whether you already filed the returns and the tax years.......
Official Form 106A/B Schedule A/B: Property page 4
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 13 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
29. Family support
Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement
No
Yes. Give specific information......
30. Other amounts someone owes you
Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation, Social Security
benefits; unpaid loans you made to someone else
No
Yes. Give specific information..
31. Interests in insurance policies
Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance
No
Yes. Name the insurance company of each policy and list its value.
Company name: Beneficiary: Surrender or refund
value:
32. Any interest in property that is due you from someone who has died
If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive property because
someone has died.
No
Yes. Give specific information..
33. Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment
Examples: Accidents, employment disputes, insurance claims, or rights to sue
No
Yes. Describe each claim.........
34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights to set off claims
No
Yes. Describe each claim.........
35. Any financial assets you did not already list
No
Yes. Give specific information..
36. Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached
for Part 4. Write that number here..................................................................................................................... $0.00
Part 5: Describe Any Business-Related Property You Own or Have an Interest In. List any real estate in Part 1.
37. Do you own or have any legal or equitable interest in any business-related property?
No. Go to Part 6.
Yes. Go to line 38.
Part 6: Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In.
If you own or have an interest in farmland, list it in Part 1.
46. Do you own or have any legal or equitable interest in any farm- or commercial fishing-related property?
No. Go to Part 7.
Yes. Go to line 47.
Current value of the
portion you own?
Do not deduct secured
claims or exemptions.
Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above
Official Form 106A/B Schedule A/B: Property page 5
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 14 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
53. Do you have other property of any kind you did not already list?
Examples: Season tickets, country club membership
No
Yes. Give specific information.........
54. Add the dollar value of all of your entries from Part 7. Write that number here .................................... $0.00
Part 8: List the Totals of Each Part of this Form
55. Part 1: Total real estate, line 2 ...................................................................................................................... $390,000.00
56. Part 2: Total vehicles, line 5 $3,405.00
57. Part 3: Total personal and household items, line 15 $1,000.00
58. Part 4: Total financial assets, line 36 $0.00
59. Part 5: Total business-related property, line 45
$0.00
60. Part 6: Total farm- and fishing-related property, line 52 $0.00
61. Part 7: Total other property not listed, line 54 + $0.00
62. Total personal property. Add lines 56 through 61... $4,405.00 Copy personal property total $4,405.00
63. Total of all property on Schedule A/B. Add line 55 + line 62 $394,405.00
Official Form 106A/B Schedule A/B: Property page 6
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 15 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 106C
Schedule C: The Property You Claim as Exempt 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. Using
the property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is
needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name
and case number (if known).
For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a
specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of
any applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement
funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that limits the
exemption to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption would be limited
to the applicable statutory amount.
Part 1: Identify the Property You Claim as Exempt
1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you.
You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)
You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)
2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below.
Brief description of the property and line on
Schedule A/B that lists this property
Current value of the
portion you own
Copy the value from
Schedule A/B
Amount of the exemption you claim
Check only one box for each exemption.
Specific laws that allow exemption
Single family residence located at
1566 Walters Ave, Northbrook, IL
60062-4602
Value based on Comparative Market
Analysis by Alan D' Alba
Line from Schedule A/B: 1.1
$390,000.00 $0.00 735 ILCS 5/12-901
100% of fair market value, up to
any applicable statutory limit
2000 Volvo S40 with 156k miles
Value based on Kelley Blue Book
Line from Schedule A/B: 3.1
$810.00 $0.00 735 ILCS 5/12-1001(c)
100% of fair market value, up to
any applicable statutory limit
2000 Volvo S40 with 156k miles
Value based on Kelley Blue Book
Line from Schedule A/B: 3.1
$810.00 $810.00 735 ILCS 5/12-1001(b)
100% of fair market value, up to
any applicable statutory limit
2004 Nissan Quest with 136k miles
Value based on Kelley Blue Book
Line from Schedule A/B: 3.2
$2,595.00 $2,595.00 735 ILCS 5/12-1001(c)
100% of fair market value, up to
any applicable statutory limit
2004 Nissan Quest with 136k miles
Value based on Kelley Blue Book
Line from Schedule A/B: 3.2
$2,595.00 $0.00 735 ILCS 5/12-1001(b)
100% of fair market value, up to
any applicable statutory limit
Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 2
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 16 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
Brief description of the property and line on
Schedule A/B that lists this property
Current value of the
portion you own
Copy the value from
Schedule A/B
Amount of the exemption you claim
Check only one box for each exemption.
Specific laws that allow exemption
Miscellaneous used appliances and
furniture
Line from Schedule A/B: 6.1
$500.00 $500.00 735 ILCS 5/12-1001(b)
100% of fair market value, up to
any applicable statutory limit
Necessary used clothing
Line from Schedule A/B: 11.1
$500.00 $500.00 735 ILCS 5/12-1001(a)
100% of fair market value, up to
any applicable statutory limit
Checking account with
Line from Schedule A/B: 17.1
$0.00 $0.00 735 ILCS 5/12-1001(b)
100% of fair market value, up to
any applicable statutory limit
Savings account with
Line from Schedule A/B: 17.2
$0.00 $0.00 735 ILCS 5/12-1001(b)
100% of fair market value, up to
any applicable statutory limit
3. Are you claiming a homestead exemption of more than $155,675?
(Subject to adjustment on 4/01/16 and every 3 years after that for cases filed on or after the date of adjustment.)
No
Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?
No
Yes
Official Form 106C Schedule C: The Property You Claim as Exempt page 2 of 2
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 17 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 106D
Schedule D: Creditors Who Have Claims Secured by Property 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If more space is
needed, copy the Additional Page, fill it out, number the entries, and attach it to this form. On the top of any additional pages, write your name and case number (if
known).
1. Do any creditors have claims secured by your property?
No. Check this box and submit this form to the court with your other schedules. You have nothing else to report on this form.
Yes. Fill in all of the information below.
Part 1: List All Secured Claims
2. List all secured claims. If a creditor has more than one secured claim, list the creditor separately for
each claim. If more than one creditor has a particular claim, list the other creditors in Part 2. As much
as possible, list the claims in alphabetical order according to the creditor’s name.
Column A
Amount of claim
Do not deduct the
value of collateral.
Column B
Value of collateral
that supports this
claim
Column C
Unsecured
portion
If any
2.1 Ocwen Loan Servicing L Describe the property that secures the claim: $402,966.00 $390,000.00 $12,966.00
Creditor's Name Single family residence located at
1566 Walters Ave, Northbrook, IL
60062-4602
Value based on Comparative Market
Analysis by Alan D' Alba
1661 Worthington Rd
Suite 100
West Palm Beach, FL
33409
As of the date you file, the claim is: Check all that
apply.
Contingent
Number, Street, City, State & Zip Code Unliquidated
Disputed
Who owes the debt? Check one. Nature of lien. Check all that apply.
Debtor 1 only
Debtor 2 only
An agreement you made (such as mortgage or secured
car loan)
Debtor 1 and Debtor 2 only Statutory lien (such as tax lien, mechanic's lien)
At least one of the debtors and another Judgment lien from a lawsuit
Check if this claim relates to a
community debt
Other (including a right to offset)
Date debt was incurred
Opened
9/01/06
Last Active
6/12/15 Last 4 digits of account number 3696
2.2 Webster Bank Describe the property that secures the claim: $199,050.00 $390,000.00 $199,050.00
Creditor's Name Single family residence located at
1566 Walters Ave, Northbrook, IL
60062-4602
Value based on Comparative Market
Analysis by Alan D' Alba
145 Bank St
Waterbury, CT 06702
As of the date you file, the claim is: Check all that
apply.
Contingent
Number, Street, City, State & Zip Code Unliquidated
Disputed
Who owes the debt? Check one. Nature of lien. Check all that apply.
Debtor 1 only
Debtor 2 only
An agreement you made (such as mortgage or secured
car loan)
Official Form 106D Schedule D: Creditors Who Have Claims Secured by Property page 1 of 2
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 18 of 52
Debtor 1 James Allegretti Case number (if know)
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
First Name Middle Name Last Name
Debtor 1 and Debtor 2 only Statutory lien (such as tax lien, mechanic's lien)
At least one of the debtors and another Judgment lien from a lawsuit
Check if this claim relates to a
community debt
Other (including a right to offset)
Date debt was incurred
Opened
7/01/07
Last Active
6/16/09 Last 4 digits of account number 1217
2.3 Wells Fargo Hm Mortgag Describe the property that secures the claim: $22,321.00 Unknown Unknown
Creditor's Name Real Estate Mortgage
Po Box 10335
Des Moines, IA 50306
As of the date you file, the claim is: Check all that
apply.
Contingent
Number, Street, City, State & Zip Code Unliquidated
Disputed
Who owes the debt? Check one. Nature of lien. Check all that apply.
Debtor 1 only
Debtor 2 only
An agreement you made (such as mortgage or secured
car loan)
Debtor 1 and Debtor 2 only Statutory lien (such as tax lien, mechanic's lien)
At least one of the debtors and another Judgment lien from a lawsuit
Check if this claim relates to a
community debt
Other (including a right to offset)
Date debt was incurred
Opened
4/01/03
Last Active
7/28/15 Last 4 digits of account number 3371
Add the dollar value of your entries in Column A on this page. Write that number here: $624,337.00
If this is the last page of your form, add the dollar value totals from all pages.
Write that number here: $624,337.00
Part 2: List Others to Be Notified for a Debt That You Already Listed
Use this page only if you have others to be notified about your bankruptcy for a debt that you already listed in Part 1. For example, if a collection agency is trying
to collect from you for a debt you owe to someone else, list the creditor in Part 1, and then list the collection agency here. Similarly, if you have more than one
creditor for any of the debts that you listed in Part 1, list the additional creditors here. If you do not have additional persons to be notified for any debts in Part 1,
do not fill out or submit this page.
Name Address
-NONE- On which line in Part 1 did you enter the creditor?
Last 4 digits of account number
Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 2 of 2
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Document Page 19 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 106E/F
Schedule E/F: Creditors Who Have Unsecured Claims 12/15
Be as complete and accurate as possible. Use Part 1 for creditors with PRIORITY claims and Part 2 for creditors with NONPRIORITY claims. List the other party to
any executory contracts or unexpired leases that could result in a claim. Also list executory contracts on Schedule A/B: Property (Official Form 106A/B) and on
Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G). Do not include any creditors with partially secured claims that are listed in Schedule
D: Creditors Who Have Claims Secured by Property. If more space is needed, copy the Part you need, fill it out, number the entries in the boxes on the left. Attach
the Continuation Page to this page. If you have no information to report in a Part, do not file that Part. On the top of any additional pages, write your name and case
number (if known).
Part 1: List All of Your PRIORITY Unsecured Claims
1. Do any creditors have priority unsecured claims against you?
No. Go to Part 2.
Yes.
Part 2: List All of Your NONPRIORITY Unsecured Claims
3. Do any creditors have nonpriority unsecured claims against you?
No. You have nothing to report in this part. Submit this form to the court with your other schedules.
Yes.
4. List all of your nonpriority unsecured claims in the alphabetical order of the creditor who holds each claim. If a creditor has more than one nonpriority
unsecured claim, list the creditor separately for each claim. For each claim listed, identify what type of claim it is. Do not list claims already included in Part 1. If more
than one creditor holds a particular claim, list the other creditors in Part 3.If you have more than three nonpriority unsecured claims fill out the Continuation Page of
Part 2.
Total claim
4.1 Capital One Last 4 digits of account number 3141 $ 2,050.00
Priority Creditor's Name
Attn: Bankruptcy
Po Box 30285
Salt Lake City, UT 84130
When was the debt incurred?
Opened 4/10/02 Last
Active 6/24/13
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Credit Card
4.2 Crd Prt Asso Last 4 digits of account number 9380 $ 294.00
Priority Creditor's Name
Attn: Bankruptcy
Po Box 802068
Dallas, TX 75380
When was the debt incurred? Opened 8/01/12
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 1 of 6
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Document Page 20 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if know)
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Collection Attorney Ambit
4.3 Credit One Bank Last 4 digits of account number 3852 $ 9.00
Priority Creditor's Name
Po Box 98873
Las Vegas, NV 89193
When was the debt incurred?
Opened 10/01/11 Last
Active 8/05/15
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Credit Card
4.4 IC System Last 4 digits of account number 0001 $ 475.00
Priority Creditor's Name
Attn: Bankruptcy
444 Highway 96 East; Po Box
64378
St. Paul, MN 55164
When was the debt incurred? Opened 2/01/13
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Collection Attorney Dr Robert Lubar
4.5 IC System Last 4 digits of account number 3001 $ 356.00
Priority Creditor's Name
Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 2 of 6
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Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 21 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if know)
Attn: Bankruptcy
444 Highway 96 East; Po Box
64378
St. Paul, MN 55164
When was the debt incurred? Opened 2/01/13
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Collection Attorney Dr Robert Lubar
4.6 Kohls/capone Last 4 digits of account number 2189 $ 2,687.00
Priority Creditor's Name
N56 W 17000 Ridgewood Dr
Menomonee Falls, WI 53051
When was the debt incurred?
Opened 3/05/05 Last
Active 4/12/10
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Charge Account
4.7 Midland Funding Last 4 digits of account number 1307 $ 3,343.00
Priority Creditor's Name
2365 Northside Drive Sui
San Diego, CA 92108
When was the debt incurred? Opened 8/01/13
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 3 of 6
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Document Page 22 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if know)
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Factoring Company Account Fia Card
Services N.A.
4.8 Midland Funding Last 4 digits of account number 5137 $ 6,607.00
Priority Creditor's Name
2365 Northside Drive Sui
San Diego, CA 92108
When was the debt incurred?
Opened 6/01/12 Last
Active 10/17/13
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Factoring Company Account Target
National Bank
4.9 Midland Funding Last 4 digits of account number 8683 $ 10,054.00
Priority Creditor's Name
2365 Northside Drive Sui
San Diego, CA 92108
When was the debt incurred? Opened 5/01/12
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Factoring Company Account Chase
Bank Usa N.A.
4.10 Portfolio Recovery Ass Last 4 digits of account number 9838 $ 441.00
Priority Creditor's Name
Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 4 of 6
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Document Page 23 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if know)
287 Independence
Virginia Beach, VA 23462
When was the debt incurred? Opened 12/01/12
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Factoring Company Account Hsbc Bank
Nevada N.A.
4.11 Verizon Last 4 digits of account number 0001 $ 2,456.00
Priority Creditor's Name
500 Technology Dr
Ste 550
Weldon Spring, MO 63304
When was the debt incurred?
Opened 3/01/06 Last
Active 11/30/14
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify
4.12 Visdsnb Last 4 digits of account number 5723 $ 3,137.00
Priority Creditor's Name
9111 Duke Blvd
Mason, OH 45040
When was the debt incurred?
Opened 12/01/06 Last
Active 4/01/10
Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply
Who incurred the debt? Check one. Contingent
Debtor 1 only
Debtor 2 only Unliquidated
Debtor 1 and Debtor 2 only Disputed
At least one of the debtors and another Type of NONPRIORITY unsecured claim:
Check if this claim is for a community
debt
Student loans
Is the claim subject to offset? Obligations arising out of a separation agreement or divorce that you did
not report as priority claims
No Debts to pension or profit-sharing plans, and other similar debts
Yes Other. Specify Credit Card
Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 5 of 6
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Document Page 24 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if know)
Part 3: List Others to Be Notified About a Debt That You Already Listed
5. Use this page only if you have others to be notified about your bankruptcy, for a debt that you already listed in Parts 1 or 2. For example, if a collection agency is
trying to collect from you for a debt you owe to someone else, list the original creditor in Parts 1 or 2, then list the collection agency here. Similarly, if you have
more than one creditor for any of the debts that you listed in Parts 1 or 2, list the additional creditors here. If you do not have additional persons to be notified for
any debts in Parts 1 or 2, do not fill out or submit this page.
Name Address On which entry in Part 1 or Part2 did you list the original creditor?
-NONE- Line of (Check one): Part 1: Creditors with Priority Unsecured Claims
Part 2: Creditors with Nonpriority Unsecured Claims
Last 4 digits of account number
Part 4: Add the Amounts for Each Type of Unsecured Claim
6. Total the amounts of certain types of unsecured claims. This information is for statistical reporting purposes only. 28 U.S.C. §159. Add the amounts for each type
of unsecured claim.
Total claim
6a. Domestic support obligations 6a. $ 0.00
Total claims
from Part 1 6b. Taxes and certain other debts you owe the government 6b. $ 0.00
6c. Claims for death or personal injury while you were intoxicated 6c. $ 0.00
6d. Other. Add all other priority unsecured claims. Write that amount here. 6d. $ 0.00
6e. Total. Add lines 6a through 6d. 6e. $ 0.00
Total Claim
6f. Student loans 6f. $ 0.00
Total claims
from Part 2 6g. Obligations arising out of a separation agreement or divorce that you
did not report as priority claims 6g. $ 0.00
6h. Debts to pension or profit-sharing plans, and other similar debts 6h. $ 0.00
6i. Other. Add all other nonpriority unsecured claims. Write that amount here. 6i. $ 31,909.00
6j. Total. Add lines 6f through 6i. 6j. $ 31,909.00
Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 6 of 6
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Document Page 25 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 106G
Schedule G: Executory Contracts and Unexpired Leases 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, copy the additional page, fill it out, number the entries, and attach it to this page. On the top of any
additional pages, write your name and case number (if known).
1. Do you have any executory contracts or unexpired leases?
No. Check this box and file this form with the court with your other schedules. You have nothing else to report on this form.
Yes. Fill in all of the information below even if the contacts of leases are listed on Schedule A/B:Property (Official Form 106 A/B).
2. List separately each person or company with whom you have the contract or lease. Then state what each contract or lease is for (for
example, rent, vehicle lease, cell phone). See the instructions for this form in the instruction booklet for more examples of executory contracts
and unexpired leases.
Person or company with whom you have the contract or lease
Name, Number, Street, City, State and ZIP Code
State what the contract or lease is for
2.1
Name
Number Street
City State ZIP Code
2.2
Name
Number Street
City State ZIP Code
2.3
Name
Number Street
City State ZIP Code
2.4
Name
Number Street
City State ZIP Code
2.5
Name
Number Street
City State ZIP Code
Official Form 106G Schedule G: Executory Contracts and Unexpired Leases Page 1 of 1
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Document Page 26 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 106H
Schedule H: Your Codebtors 12/15
Codebtors are people or entities who are also liable for any debts you may have. Be as complete and accurate as possible. If two married
people are filing together, both are equally responsible for supplying correct information. If more space is needed, copy the Additional Page,
fill it out, and number the entries in the boxes on the left. Attach the Additional Page to this page. On the top of any Additional Pages, write
your name and case number (if known). Answer every question.
1. Do you have any codebtors? (If you are filing a joint case, do not list either spouse as a codebtor.
No
Yes
2. Within the last 8 years, have you lived in a community property state or territory? (Community property states and territories include
Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin.)
No. Go to line 3.
Yes. Did your spouse, former spouse, or legal equivalent live with you at the time?
3. In Column 1, list all of your codebtors. Do not include your spouse as a codebtor if your spouse is filing with you. List the person shown
in line 2 again as a codebtor only if that person is a guarantor or cosigner. Make sure you have listed the creditor on Schedule D (Official
Form 106D), Schedule E/F (Official Form 106E/F), or Schedule G (Official Form 106G). Use Schedule D, Schedule E/F, or Schedule G to
fill out Column 2.
Column 1: Your codebtor
Name, Number, Street, City, State and ZIP Code
Column 2: The creditor to whom you owe the debt
Check all schedules that apply:
3.1 Schedule D, line
Name Schedule E/F, line
Schedule G, line
Number Street
City State ZIP Code
3.2 Schedule D, line
Name Schedule E/F, line
Schedule G, line
Number Street
City State ZIP Code
Official Form 106H Schedule H: Your Codebtors Page 1 of 1
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Document Page 27 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
Debtor 2 Alicia Allegretti
(Spouse, if filing)
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number Check if this is:
(If known) An amended filing
A supplement showing postpetition chapter
13 income as of the following date:
Official Form 106I MM / DD/ YYYY
Schedule I: Your Income 12/15
Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for
supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your
spouse. If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed,
attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.
Part 1: Describe Employment
1. Fill in your employment
information. Debtor 1 Debtor 2 or non-filing spouse
If you have more than one job,
attach a separate page with
information about additional
employers.
Include part-time, seasonal, or
self-employed work.
Occupation may include student
or homemaker, if it applies.
Employment status
Employed
Not employed
Employed
Not employed
Occupation Manager
Employer's name MLC Wazc Motors
Employer's address 103 E 147th
Harvey, IL 60426
How long employed there?
Part 2: Give Details About Monthly Income
Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing
spouse unless you are separated.
If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need
more space, attach a separate sheet to this form.
For Debtor 1 For Debtor 2 or
non-filing spouse
2.
List monthly gross wages, salary, and commissions (before all payroll
deductions). If not paid monthly, calculate what the monthly wage would be. 2. $ 5,500.00 $ 0.00
3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ 0.00
4. Calculate gross Income. Add line 2 + line 3. 4. $ 5,500.00 $ 0.00
Official Form 106I Schedule I: Your Income page 1
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Document Page 28 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
For Debtor 1 For Debtor 2 or
non-filing spouse
Copy line 4 here 4. $ 5,500.00 $ 0.00
5. List all payroll deductions:
5a. Tax, Medicare, and Social Security deductions 5a. $ 0.00 $ 0.00
5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ 0.00
5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ 0.00
5d. Required repayments of retirement fund loans 5d. $ 0.00 $ 0.00
5e. Insurance 5e. $ 0.00 $ 0.00
5f. Domestic support obligations 5f. $ 0.00 $ 0.00
5g. Union dues 5g. $ 0.00 $ 0.00
5h. Other deductions. Specify: 5h.+ $ 0.00 + $ 0.00
6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 0.00 $ 0.00
7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 5,500.00 $ 0.00
8. List all other income regularly received:
8a. Net income from rental property and from operating a business,
profession, or farm
Attach a statement for each property and business showing gross
receipts, ordinary and necessary business expenses, and the total
monthly net income. 8a. $ 0.00 $ 0.00
8b. Interest and dividends 8b. $ 0.00 $ 0.00
8c. Family support payments that you, a non-filing spouse, or a dependent
regularly receive
Include alimony, spousal support, child support, maintenance, divorce
settlement, and property settlement. 8c. $ 0.00 $ 0.00
8d. Unemployment compensation 8d. $ 0.00 $ 0.00
8e. Social Security 8e. $ 0.00 $ 0.00
8f. Other government assistance that you regularly receive
Include cash assistance and the value (if known) of any non-cash assistance
that you receive, such as food stamps (benefits under the Supplemental
Nutrition Assistance Program) or housing subsidies.
Specify: 8f. $ 0.00 $ 0.00
8g. Pension or retirement income 8g. $ 0.00 $ 0.00
8h. Other monthly income. Specify: 8h.+ $ 0.00 + $ 0.00
9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 0.00 $ 0.00
10. Calculate monthly income. Add line 7 + line 9. 10. $ 5,500.00 + $ 0.00 = $ 5,500.00
Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse.
11. State all other regular contributions to the expenses that you list in Schedule J.
Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and
other friends or relatives.
Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.
Specify: 11. +$ 0.00
12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income.
12. $ 5,500.00
Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it
applies
Combined
monthly income
13. Do you expect an increase or decrease within the year after you file this form?
No.
Yes. Explain:
Official Form 106I Schedule I: Your Income page 2
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Document Page 29 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti Check if this is:
An amended filing
Debtor 2 Alicia Allegretti A supplement showing postpetition chapter
(Spouse, if filing) 13 expenses as of the following date:
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS MM / DD / YYYY
Case number
(If known)
Official Form 106J
Schedule J: Your Expenses 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case
number (if known). Answer every question.
Part 1: Describe Your Household
1. Is this a joint case?
No. Go to line 2.
Yes. Does Debtor 2 live in a separate household?
No
Yes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Household of Debtor 2.
2. Do you have dependents? No
Do not list Debtor 1
and Debtor 2.
Yes. Fill out this information for
each dependent..............
Dependent’s relationship to
Debtor 1 or Debtor 2
Dependent’s
age
Does dependent
live with you?
Do not state the
dependents names. Son 13
No
Yes
Son 16
No
Yes
Daughter 20
No
Yes
Daughter 21
No
Yes
3. Do your expenses include
expenses of people other than
yourself and your dependents?
No
Yes
Part 2: Estimate Your Ongoing Monthly Expenses
Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report
expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the
applicable date.
Include expenses paid for with non-cash government assistance if you know
the value of such assistance and have included it on Schedule I: Your Income
(Official Form 106I.) Your expenses
4. The rental or home ownership expenses for your residence. Include first mortgage
payments and any rent for the ground or lot. 4. $ 3,182.88
If not included in line 4:
4a. Real estate taxes 4a. $ 0.00
4b. Property, homeowner’s, or renter’s insurance 4b. $ 0.00
4c. Home maintenance, repair, and upkeep expenses 4c. $ 0.00
4d. Homeowner’s association or condominium dues 4d. $ 0.00
5. Additional mortgage payments for your residence, such as home equity loans 5. $ 0.00
Official Form 106J Schedule J: Your Expenses page 1
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Document Page 30 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
6. Utilities:
6a. Electricity, heat, natural gas 6a. $ 100.00
6b. Water, sewer, garbage collection 6b. $ 100.00
6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 120.00
6d. Other. Specify: 6d. $ 0.00
7. Food and housekeeping supplies 7. $ 550.00
8. Childcare and children’s education costs 8. $ 50.00
9. Clothing, laundry, and dry cleaning 9. $ 0.00
10. Personal care products and services 10. $ 0.00
11. Medical and dental expenses 11. $ 50.00
12. Transportation. Include gas, maintenance, bus or train fare.
Do not include car payments. 12. $ 300.00
13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 0.00
14. Charitable contributions and religious donations 14. $ 0.00
15. Insurance.
Do not include insurance deducted from your pay or included in lines 4 or 20.
15a. Life insurance 15a. $ 75.00
15b. Health insurance 15b. $ 0.00
15c. Vehicle insurance 15c. $ 180.00
15d. Other insurance. Specify: 15d. $ 0.00
16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.
Specify: 16. $ 0.00
17. Installment or lease payments:
17a. Car payments for Vehicle 1 17a. $ 0.00
17b. Car payments for Vehicle 2 17b. $ 0.00
17c. Other. Specify: 17c. $ 0.00
17d. Other. Specify: 17d. $ 0.00
18. Your payments of alimony, maintenance, and support that you did not report as
deducted from your pay on line 5, Schedule I, Your Income (Official Form 106I). 18. $ 0.00
19. Other payments you make to support others who do not live with you. $ 0.00
Specify: 19.
20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.
20a. Mortgages on other property 20a. $ 0.00
20b. Real estate taxes 20b. $ 0.00
20c. Property, homeowner’s, or renter’s insurance 20c. $ 0.00
20d. Maintenance, repair, and upkeep expenses 20d. $ 0.00
20e. Homeowner’s association or condominium dues 20e. $ 0.00
21. Other: Specify: 21. +$ 0.00
22. Calculate your monthly expenses
22a. Add lines 4 through 21. $ 4,707.88
22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2 $
22c. Add line 22a and 22b. The result is your monthly expenses. $ 4,707.88
23. Calculate your monthly net income.
23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 5,500.00
23b. Copy your monthly expenses from line 22c above. 23b. -$ 4,707.88
23c. Subtract your monthly expenses from your monthly income.
The result is your monthly net income. 23c. $ 792.12
24. Do you expect an increase or decrease in your expenses within the year after you file this form?
For example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a
modification to the terms of your mortgage?
No.
Yes. Explain here:
Official Form 106J Schedule J: Your Expenses page 2
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Document Page 31 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 106Dec
Declaration About an Individual Debtor's Schedules 12/15
If two married people are filing together, both are equally responsible for supplying correct information.
You must file this form whenever you file bankruptcy schedules or amended schedules. Making a false statement, concealing property, or
obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20
years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.
Sign Below
Did you pay or agree to pay someone who is NOT an attorney to help you fill out bankruptcy forms?
No
Yes. Name of person . Attach Bankruptcy Petition Preparer’s Notice, Declaration,
and Signature (Official Form 119).
Under penalty of perjury, I declare that I have read the summary and schedules filed with this declaration and
that they are true and correct.
X /s/ James Allegretti X /s/ Alicia Allegretti
James Allegretti Alicia Allegretti
Signature of Debtor 1 Signature of Debtor 2
Date December 7, 2015 Date December 7, 2015
Official Form 106Dec Declaration About an Individual Debtor's Schedules
Software Copyright (c) 1996-2015 Best Case, LLC - www.bestcase.com Best Case Bankruptcy
Case 15-41455 Doc 1 Filed 12/08/15 Entered 12/08/15 15:05:47 Desc Main
Document Page 32 of 52
Fill in this information to identify your case:
Debtor 1 James Allegretti
First Name Middle Name Last Name
Debtor 2 Alicia Allegretti
(Spouse if, filing) First Name Middle Name Last Name
United States Bankruptcy Court for the: NORTHERN DISTRICT OF ILLINOIS
Case number
(if known) Check if this is an
amended filing
Official Form 107
Statement of Financial Affairs for Individuals Filing for Bankruptcy 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case
number (if known). Answer every question.
Part 1: Give Details About Your Marital Status and Where You Lived Before
1. What is your current marital status?
Married
Not married
2. During the last 3 years, have you lived anywhere other than where you live now?
No
Yes. List all of the places you lived in the last 3 years. Do not include where you live now.
Debtor 1 Prior Address: Dates Debtor 1
lived there
Debtor 2 Prior Address: Dates Debtor 2
lived there
3. Within the last 8 years, did you ever live with a spouse or legal equivalent in a community property state or territory? (Community property
states and territories include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington and Wisconsin.)
No
Yes. Make sure you fill out Schedule H: Your Codebtors (Official Form 106H).
Part 2 Explain the Sources of Your Income
4. Did you have any income from employment or from operating a business during this year or the two previous calendar years?
Fill in the total amount of income you received from all jobs and all businesses, including part-time activities.
If you are filing a joint case and you have income that you receive together, list it only once under Debtor 1.
No
Yes. Fill in the details.
Debtor 1 Debtor 2
Sources of income
Check all that apply.
Gross income
(before deductions and
exclusions)
Sources of income
Check all that apply.
Gross income
(before deductions
and exclusions)
Wages, commissions,
bonuses, tips
Operating a business
$0.00 Wages, commissions,
bonuses, tips
Operating a business
$0.00
Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 1
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Document Page 33 of 52
Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
Debtor 1 Debtor 2
Sources of income
Check all that apply.
Gross income
(before deductions and
exclusions)
Sources of income
Check all that apply.
Gross income
(before deductions
and exclusions)
Wages, commissions,
bonuses, tips
Operating a business
$0.00 Wages, commissions,
bonuses, tips
Operating a business
$0.00
5. Did you receive any other income during this year or the two previous calendar years?
Include income regardless of whether that income is taxable. Examples of other income are alimony; child support; Social Security,
unemployment, and other public benefit payments; pensions; rental income; interest; dividends; money collected from lawsuits; royalties; and
gambling and lottery winnings. If you are filing a joint case and you have income that you received together, list it only once under Debtor 1.
List each source and the gross income from each source separately. Do not include income that you listed in line 4.
No
Yes. Fill in the details.
Debtor 1 Debtor 2
Sources of income
Describe below..
Gross income
(before deductions and
exclusions)
Sources of income
Describe below.
Gross income
(before deductions
and exclusions)
Part 3: List Certain Payments You Made Before You Filed for Bankruptcy
6. Are either Debtor 1’s or Debtor 2’s debts primarily consumer debts?
No. Neither Debtor 1 nor Debtor 2 has primarily consumer debts. Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an
individual primarily for a personal, family, or household purpose.”
During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $6,225* or more?
No. Go to line 7.
Yes List below each creditor to whom you paid a total of $6,225* or more in one or more payments and the total amount you
paid that creditor. Do not include payments for domestic support obligations, such as child support and alimony. Also, do
not include payments to an attorney for this bankruptcy case.
* Subject to adjustment on 4/01/16 and every 3 years after that for cases filed on or after the date of adjustment.
Yes. Debtor 1 or Debtor 2 or both have primarily consumer debts.
During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $600 or more?
No. Go to line 7.
Yes List below each creditor to whom you paid a total of $600 or more and the total amount you paid that creditor. Do not
include payments for domestic support obligations, such as child support and alimony. Also, do not include payments to
an attorney for this bankruptcy case.
Creditor's Name and Address Dates of payment Total amount
paid
Amount you
still owe
Was this payment for ...
7. Within 1 year before you filed for bankruptcy, did you make a payment on a debt you owed anyone who was an insider?
Insiders include your relatives; any general partners; relatives of any general partners; partnerships of which you are a general partner;
corporations of which you are an officer, director, person in control, or owner of 20% or more of their voting securities; and any managing agent,
including one for a business you operate as a sole proprietor. 11 U.S.C. § 101. Include payments for domestic support obligations, such as child
support and alimony.
No
Yes. List all payments to an insider
Insider's Name and Address Dates of payment Total amount
paid
Amount you
still owe
Reason for this payment
Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 2
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Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
8. Within 1 year before you filed for bankruptcy, did you make any payments or transfer any property on account of a debt that benefited an
insider?
Include payments on debts guaranteed or cosigned by an insider.
No
Yes. List all payments to an insider
Insider's Name and Address Dates of payment Total amount
paid
Amount you
still owe
Reason for this payment
Include creditor's name
Part 4: Identify Legal Actions, Repossessions, and Foreclosures
9. Within 1 year before you filed for bankruptcy, were you a party in any lawsuit, court action, or administrative proceeding?
List all such matters, including personal injury cases, small claims actions, divorces, collection suits, paternity actions, support or custody
modifications, and contract disputes.
No
Yes. Fill in the details.
Case title
Case number
Nature of the case Court or agency Status of the case
Webster Bank v. Alligreti Pending
On appeal
Concluded
10. Within 1 year before you filed for bankruptcy, was any of your property repossessed, foreclosed, garnished, attached, seized, or levied?
Check all that apply and fill in the details below.
No
Yes. Fill in the information below.
Creditor Name and Address Describe the Property
Explain what happened
Date Value of the
property
11. Within 90 days before you filed for bankruptcy, did any creditor, including a bank or financial institution, set off any amounts from your
accounts or refuse to make a payment because you owed a debt?
No
Yes. Fill in the details.
Creditor Name and Address Describe the action the creditor took Date action was
taken
Amount
12. Within 1 year before you filed for bankruptcy, was any of your property in the possession of an assignee for the benefit of creditors, a
court-appointed receiver, a custodian, or another official?
No
Yes
Part 5: List Certain Gifts and Contributions
13. Within 2 years before you filed for bankruptcy, did you give any gifts with a total value of more than $600 per person?
No
Yes. Fill in the details for each gift.
Gifts with a total value of more than $600
per person
Person to Whom You Gave the Gift and
Address:
Describe the gifts Dates you gave
the gifts
Value
Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 3
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Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
14. Within 2 years before you filed for bankruptcy, did you give any gifts or contributions with a total value of more than $600 to any charity
No
Yes. Fill in the details for each gift or contribution.
Gifts or contributions to charities that total
more than $600
Charity's Name
Address (Number, Street, City, State and ZIP Code)
Describe what you contributed Dates you
contributed
Value
Part 6: List Certain Losses
15. Within 1 year before you filed for bankruptcy or since you filed for bankruptcy, did you lose anything because of theft, fire, other
disaster, or gambling?
No
Yes. Fill in the details.
Describe the property you lost and
how the loss occurred
Describe any insurance coverage for the loss
Include the amount that insurance has paid. List
pending insurance claims on line 33 of Schedule A/B:
Property.
Date of your
loss
Value of property
lost
Part 7: List Certain Payments or Transfers
16. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone you
consulted about seeking bankruptcy or preparing a bankruptcy petition?
Include any attorneys, bankruptcy petition preparers, or credit counseling agencies for services required in your bankruptcy.
No
Yes. Fill in the details.
Person Who Was Paid
Address
Email or website address
Person Who Made the Payment, if Not You
Description and value of any property
transferred
Date payment
or transfer was
made
Amount of
payment
Bernicky Law Firm
1001 E. Chicago Ave, Suite 121
Naperville, IL 60540
$1900 paid pre-petition toward total
attorney fee of $4,200.00, filing fee of
$310.00 and other reimbursable
expenses of $175.00 ($3049 to be paid
through chapter 13 plan)
2015 $1,900.00
Credit Infonet
4540 Honeywell Court
Dayton, OH 45424
$175 for credit counseling classes,
debtor education classes, tax
transcripts, automotive appraisals and
credit reports.
2010 $175.00
17. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone who
promised to help you deal with your creditors or to make payments to your creditors?
Do not include any payment or transfer that you listed on line 16.
No
Yes. Fill in the details.
Person Who Was Paid
Address
Description and value of any property
transferred
Date payment
or transfer was
made
Amount of
payment
Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 4
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Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
18. Within 2 years before you filed for bankruptcy, did you sell, trade, or otherwise transfer any property to anyone, other than property
transferred in the ordinary course of your business or financial affairs?
Include both outright transfers and transfers made as security (such as the granting of a security interest or mortgage on your property). Do not
include gifts and transfers that you have already listed on this statement.
No
Yes. Fill in the details.
Person Who Received Transfer
Address
Person's relationship to you
Description and value of
property transferred
Describe any property or
payments received or debts
paid in exchange
Date transfer was
made
19. Within 10 years before you filed for bankruptcy, did you transfer any property to a self-settled trust or similar device of which you are a
beneficiary? (These are often called asset-protection devices.)
No
Yes. Fill in the details.
Name of trust Description and value of the property transferred Date Transfer was
made
Part 8: List of Certain Financial Accounts, Instruments, Safe Deposit Boxes, and Storage Units
20. Within 1 year before you filed for bankruptcy, were any financial accounts or instruments held in your name, or for your benefit, closed,
sold, moved, or transferred?
Include checking, savings, money market, or other financial accounts; certificates of deposit; shares in banks, credit unions, brokerage
houses, pension funds, cooperatives, associations, and other financial institutions.
No
Yes. Fill in the details.
Name of Financial Institution and
Address (Number, Street, City, State and ZIP
Code)
Last 4 digits of
account number
Type of account or
instrument
Date account was
closed, sold,
moved, or
transferred
Last balance
before closing or
transfer
21. Do you now have, or did you have within 1 year before you filed for bankruptcy, any safe deposit box or other depository for securities,
cash, or other valuables?
No
Yes. Fill in the details.
Name of Financial Institution
Address (Number, Street, City, State and ZIP Code)
Who else had access to it?
Address (Number, Street, City,
State and ZIP Code)
Describe the contents Do you still
have it?
22. Have you stored property in a storage unit or place other than your home within 1 year before you filed for bankruptcy
No
Yes. Fill in the details.
Name of Storage Facility
Address (Number, Street, City, State and ZIP Code)
Who else has or had access
to it?
Address (Number, Street, City,
State and ZIP Code)
Describe the contents Do you still
have it?
Part 9: Identify Property You Hold or Control for Someone Else
23. Do you hold or control any property that someone else owns? Include any property you borrowed from, are storing for, or hold in trust
for someone.
No
Yes. Fill in the details.
Owner's Name
Address (Number, Street, City, State and ZIP Code)
Where is the property?
(Number, Street, City, State and ZIP
Code)
Describe the property Value
Part 10: Give Details About Environmental Information
For the purpose of Part 10, the following definitions apply:
Environmental law means any federal, state, or local statute or regulation concerning pollution, contamination, releases of hazardous or
Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 5
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Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
toxic substances, wastes, or material into the air, land, soil, surface water, groundwater, or other medium, including statutes or
regulations controlling the cleanup of these substances, wastes, or material.
Site means any location, facility, or property as defined under any environmental law, whether you now own, operate, or utilize it or used
to own, operate, or utilize it, including disposal sites.
Hazardous material means anything an environmental law defines as a hazardous waste, hazardous substance, toxic substance,
hazardous material, pollutant, contaminant, or similar term.
Report all notices, releases, and proceedings that you know about, regardless of when they occurred.
24. Has any governmental unit notified you that you may be liable or potentially liable under or in violation of an environmental law?
No
Yes. Fill in the details.
Name of site
Address (Number, Street, City, State and ZIP Code)
Governmental unit
Address (Number, Street, City, State and
ZIP Code)
Environmental law, if you
know it
Date of notice
25. Have you notified any governmental unit of any release of hazardous material?
No
Yes. Fill in the details.
Name of site
Address (Number, Street, City, State and ZIP Code)
Governmental unit
Address (Number, Street, City, State and
ZIP Code)
Environmental law, if you
know it
Date of notice
26. Have you been a party in any judicial or administrative proceeding under any environmental law? Include settlements and orders.
No
Yes. Fill in the details.
Case Title
Case Number
Court or agency
Name
Address (Number, Street, City,
State and ZIP Code)
Nature of the case Status of the
case
Part 11: Give Details About Your Business or Connections to Any Business
27. Within 4 years before you filed for bankruptcy, did you own a business or have any of the following connections to any business?
A sole proprietor or self-employed in a trade, profession, or other activity, either full-time or part-time
A member of a limited liability company (LLC) or limited liability partnership (LLP)
A partner in a partnership
An officer, director, or managing executive of a corporation
An owner of at least 5% of the voting or equity securities of a corporation
No. None of the above applies. Go to Part 12.
Yes. Check all that apply above and fill in the details below for each business.
Business Name
Address
(Number, Street, City, State and ZIP Code)
Describe the nature of the business
Name of accountant or bookkeeper
Employer Identification number
Do not include Social Security number or ITIN.
Dates business existed
28. Within 2 years before you filed for bankruptcy, did you give a financial statement to anyone about your business? Include all financial
institutions, creditors, or other parties.
No
Yes. Fill in the details below.
Name
Address
(Number, Street, City, State and ZIP Code)
Date Issued
Part 12: Sign Below
I have read the answers on this Statement of Financial Affairs and any attachments, and I declare under penalty of perjury that the answers
Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 6
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Debtor 1
Debtor 2
James Allegretti
Alicia Allegretti Case number (if known)
are true and correct. I understand that making a false statement, concealing property, or obtaining money or property by fraud in connection
with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both.
18 U.S.C. §§ 152, 1341, 1519, and 3571.
/s/ James Allegretti /s/ Alicia Allegretti
James Allegretti Alicia Allegretti
Signature of Debtor 1 Signature of Debtor 2
Date December 7, 2015 Date December 7, 2015
Did you attach additional pages to Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (Official Form 107)?
No
Yes
Did you pay or agree to pay someone who is not an attorney to help you fill out bankruptcy forms?
No
Yes. Name of Person . Attach the Bankruptcy Petition Preparer's Notice, Declaration, and Signature (Official Form 119).
Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 7
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Notice Required by 11 U.S.C. § 342(b) for
Individuals Filing for Bankruptcy (Form 2010)
This notice is for you if:
You are an individual filing for bankruptcy,
and
Your debts are primarily consumer debts.
Consumer debts are defined in 11 U.S.C.
§ 101(8) as “incurred by an individual
primarily for a personal, family, or
household purpose.”
Chapter 7: Liquidation
$245 filing fee
$75 administrative fee
+ $15 trustee surcharge
$335 total fee
Chapter 7 is for individuals who have financial
difficulty preventing them from paying their debts
and who are willing to allow their nonexempt
property to be used to pay their creditors. The
primary purpose of filing under chapter 7 is to have
your debts discharged. The bankruptcy discharge
relieves you after bankruptcy from having to pay
many of your pre-bankruptcy debts. Exceptions exist
for particular debts, and liens on property may still
be enforced after discharge. For example, a creditor
may have the right to foreclose a home mortgage or
repossess an automobile.
However, if the court finds that you have committed
certain kinds of improper conduct described in the
Bankruptcy Code, the court may deny your
discharge.
You should know that even if you file chapter 7 and
you receive a discharge, some debts are not
discharged under the law. Therefore, you may still
be responsible to pay:
most taxes;
most student loans;
domestic support and property settlement
obligations;
The types of bankruptcy that are available to
individuals
Individuals who meet the qualifications may file under
one of four different chapters of Bankruptcy Code:
Chapter 7 - Liquidation
Chapter 11 - Reorganization
Chapter 12 - Voluntary repayment plan
for family farmers or
fishermen
Chapter 13 - Voluntary repayment plan
for individuals with regular
income
You should have an attorney review your
decision to file for bankruptcy and the choice of
chapter.
Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 1
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most fines, penalties, forfeitures, and criminal
restitution obligations; and
certain debts that are not listed in your bankruptcy
papers.
You may also be required to pay debts arising from:
fraud or theft;
fraud or defalcation while acting in breach of
fiduciary capacity;
intentional injuries that you inflicted; and
death or personal injury caused by operating a
motor vehicle, vessel, or aircraft while intoxicated
from alcohol or drugs.
If your debts are primarily consumer debts, the court
can dismiss your chapter 7 case if it finds that you have
enough income to repay creditors a certain amount.
You must file Chapter 7 Statement of Your Current
Monthly Income (Official Form 122A–1) if you are an
individual filing for bankruptcy under chapter 7. This
form will determine your current monthly income and
compare whether your income is more than the median
income that applies in your state.
If your income is not above the median for your state,
you will not have to complete the other chapter 7 form,
the Chapter 7 Means Test Calculation (Official Form
122A–2).
If your income is above the median for your state, you
must file a second form —the Chapter 7 Means Test
Calculation (Official Form 122A–2). The calculations on
the form— sometimes called the Means Test—deduct
from your income living expenses and payments on
certain debts to determine any amount available to pay
unsecured creditors. If
your income is more than the median income for your
state of residence and family size, depending on the
results of the Means Test, the U.S. trustee, bankruptcy
administrator, or creditors can file a motion to dismiss
your case under § 707(b) of the Bankruptcy Code. If a
motion is filed, the court will decide if your case should
be dismissed. To avoid dismissal, you may choose to
proceed under another chapter of the Bankruptcy
Code.
If you are an individual filing for chapter 7 bankruptcy,
the trustee may sell your property to pay your debts,
subject to your right to exempt the property or a portion
of the proceeds from the sale of the property. The
property, and the proceeds from property that your
bankruptcy trustee sells or liquidates that you are
entitled to, is called exempt property. Exemptions may
enable you to keep your home, a car, clothing, and
household items or to receive some of the proceeds if
the property is sold.
Exemptions are not automatic. To exempt property, you
must list it on Schedule C: The Property You Claim as
Exempt (Official Form 106C). If you do not list the
property, the trustee may sell it and pay all of the
proceeds to your creditors.
Chapter 11: Reorganization
$1,167 filing fee
+ $550 administrative fee
$1,717 total fee
Chapter 11 is often used for reorganizing a business,
but is also available to individuals. The provisions of
chapter 11 are too complicated to summarize briefly.
Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 2
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Read These Important Warnings
Because bankruptcy can have serious long-term financial and legal consequences, including loss of
your property, you should hire an attorney and carefully consider all of your options before you file. Only
an attorney can give you legal advice about what can happen as a result of filing for bankruptcy and
what your options are. If you do file for bankruptcy, an attorney can help you fill out the forms properly
and protect you, your family, your home, and your possessions.
Although the law allows you to represent yourself in bankruptcy court, you should understand that many
people find it difficult to represent themselves successfully. The rules are technical, and a mistake or
inaction may harm you. If you file without an attorney, you are still responsible for knowing and
following all of the legal requirements.
You should not file for bankruptcy if you are not eligible to file or if you do not intend to file the
necessary documents.
Bankruptcy fraud is a serious crime; you could be fined and imprisoned if you commit fraud in your
bankruptcy case. Making a false statement, concealing property, or obtaining money or property by
fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to
20 years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.
Chapter 12: Repayment plan for family
farmers or fishermen
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, usually using your future earnings. If the
court approves your plan, the court will allow you to
repay your debts, as adjusted by the plan, within 3
years or 5 years, depending on your income and other
factors.
After you make all the payments under your plan,
many of your debts are discharged. The debts that are
not discharged and that you may still be responsible to
pay include:
domestic support obligations,
most student loans,
certain taxes,
debts for fraud or theft,
debts for fraud or defalcation while acting in a
fiduciary capacity,
most criminal fines and restitution obligations,
certain debts that are not listed in your
bankruptcy papers,
certain debts for acts that caused death or
personal injury, and
certain long-term secured debts.
$200 filing fee
+ $75 administrative fee
$275 total fee
Similar to chapter 13, chapter 12 permits family farmers
and fishermen to repay their debts over a period of time
using future earnings and to discharge some debts that
are not paid.
Chapter 13: Repayment plan for
individuals with regular
income
$235 filing fee
+ $75 administrative fee
$310 total fee
Chapter 13 is for individuals who have regular income
and would like to pay all or part of their debts in
installments over a period of time and to discharge some
debts that are not paid. You are eligible for chapter 13
only if your debts are not more than certain dollar
amounts set forth in 11 U.S.C. § 109.
Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 3
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Warning: File Your Forms on Time
A married couple may file a bankruptcy case
together—called a joint case. If you file a joint case and
each spouse lists the same mailing address on the
bankruptcy petition, the bankruptcy court generally will
mail you and your spouse one copy of each notice,
unless you file a statement with the court asking that
each spouse receive separate copies.
Understand which services you could receive from
credit counseling agencies
The law generally requires that you receive a credit
counseling briefing from an approved credit counseling
agency. 11 U.S.C. § 109(h). If you are filing a joint case,
both spouses must receive the briefing. With limited
exceptions, you must receive it within the 180 days
before you file your bankruptcy petition. This briefing is
usually conducted by telephone or on the Internet.
In addition, after filing a bankruptcy case, you generally
must complete a financial management instructional
course before you can receive a discharge. If you are
filing a joint case, both spouses must complete the
course.
You can obtain the list of agencies approved to provide
both the briefing and the instructional course from:
http://justice.gov/ust/eo/hapcpa/ccde/cc_approved.html.
In Alabama and North Carolina, go to:
http://www.uscourts.gov/FederalCourts/Bankruptcy/
BankruptcyResources/ApprovedCredit
AndDebtCounselors.aspx.
If you do not have access to a computer, the clerk of
the bankruptcy court may be able to help you obtain the
list.
Section 521(a)(1) of the Bankruptcy Code requires that
you promptly file detailed information about your
creditors, assets, liabilities, income, expenses and
general financial condition. The court may dismiss your
bankruptcy case if you do not file this information within
the deadlines set by the Bankruptcy Code, the
Bankruptcy Rules, and the local rules of the court.
For more information about the documents and
their deadlines, go to:
http://www.uscourts.gov/bkforms/bankruptcy_form
s.html#procedure.
Bankruptcy crimes have serious consequences
If you knowingly and fraudulently conceal assets
or make a false oath or statement under penalty of
perjury—either orally or in writing—in connection
with a bankruptcy case, you may be fined,
imprisoned, or both.
All information you supply in connection with a
bankruptcy case is subject to examination by the
Attorney General acting through the Office of the
U.S. Trustee, the Office of the U.S. Attorney, and
other offices and employees of the U.S.
Department of Justice.
Make sure the court has your mailing address
The bankruptcy court sends notices to the mailing
address you list on Voluntary Petition for Individuals
Filing for Bankruptcy (Official Form 101). To ensure
that you receive information about your case,
Bankruptcy Rule 4002 requires that you notify the court
of any changes in your address.
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UNITED STATES BANKRUPTCY COURT
NORTHERN DISTRICT OF ILLINOIS
RIGHTS AND RESPONSIBILITIES AGREEMENT BETWEEN
CHAPTER 13 DEBTORS AND THEIR ATTORNEYS
(Court-Approved Retention Agreement, Revised as of 4/20/2015)
Chapter 13 gives debtors important rights, such as the right to keep property that could
otherwise be lost through repossession or foreclosure, but Chapter 13 also puts burdens on
debtors, such as the burden of making complete and truthful disclosures of their financial
situation. It is important for debtors who file a Chapter 13 bankruptcy case to understand their
rights and responsibilities in bankruptcy. In this connection, the advice of an attorney is often
crucial. Debtors are entitled to certain services from their attorneys, but debtors also have
responsibilities to their attorneys. In order to assure that debtors and their attorneys understand
their rights and responsibilities in the Chapter 13 process, the judges of the Bankruptcy Court for
the Northern District of Illinois have approved this agreement, setting out the rights and
responsibilities of both debtors in Chapter 13 and their attorneys, including how their attorneys
will be paid for their services in the Chapter 13 case. By signing this agreement, debtors and their
attorneys accept these responsibilities.
The Bankruptcy Code may require a debtor's attorney to provide the debtor with certain
documents and agreements at the start of the representation. The terms of this court-approved
agreement take the place of any conflicting provision in an earlier agreement. This agreement
cannot be modified in any way by other agreements. Any provision of another agreement
between the debtors and the attorney that conflicts with this agreement is void.
A. BEFORE THE CASE IS FILED
THE DEBTOR AGREES TO:
1. Discuss with the attorney the debtor's objectives in filing the case.
2. Provide the attorney with full, accurate and timely information, financial and otherwise,
including properly documented proof of income.
THE ATTORNEY AGREES TO:
1. Personally counsel the debtor regarding the advisability of filing either a Chapter 13 or a Chapter 7
case, discuss both procedures (as well as non-bankruptcy options) with the debtor, and answer the
debtor's questions.
2. Personally explain to the debtor that the attorney is being engaged to represent the debtor on all
matters arising in the case, as required by Local Bankruptcy Rule, and explain how and when the
attorney's fees and the trustee's fees are determined and paid.
3. Personally review with the debtor and sign the completed petition, plan, statements, and schedules,
as well as all amendments thereto, whether filed with the petition or later. (The schedules may be
initially prepared with the help of clerical or paralegal staff of the attorney's office, but personal
attention of the attorney is required for the review and signing.)
4. Timely prepare and file the debtor's petition, plan, statements, and schedules.
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5. Explain to the debtor how, when, and where to make all necessary payments, including both
payments that must be made directly to creditors and payments that must be made to the Chapter 13
trustee, with particular attention to housing and vehicle payments.
6. Advise the debtor of the need to maintain appropriate insurance.
B. AFTER THE CASE IS FILED
THE DEBTOR AGREES TO:
1. Make the required payments to the trustee and to whatever creditors are being paid directly,
or, if required payments cannot be made, to notify the attorney immediately.
2. Appear punctually at the meeting of creditors (also called the "341 meeting") with recent
proof of income and a picture identification card. (If the identification card does not include
the debtor's social security number, the debtor must also bring to the meeting a social security
card.) The debtor must be present in time for check-in and when the case is called for the
actual examination.
3. Notify the attorney of any change in the debtor's address or telephone number.
4. Inform the attorney of any wage garnishments or liens or levies on assets that occur or
continue after the filing of the case.
5. Contact the attorney immediately if the debtor loses employment, has a significant change
in income, or experiences any other significant change in financial situation (such as serious
illness, marriage, divorce or separation, lottery winnings, or an inheritance).
6. Notify the attorney if the debtor is sued or wishes to file a lawsuit (including divorce.)
7. Inform the attorney if any tax refunds to which the debtor is entitled are seized or not
received when due from the IRS or Illinois Department of Revenue.
8. Contact the attorney before buying, refinancing, or selling real property, and before
entering into any loan agreement.
9. Supply the attorney with copies of all tax returns filed while the case is pending.
THE ATTORNEY AGREES TO:
1. Advise the debtor of the requirement to attend the meeting of creditors, and notify the
debtor of the date, time, and place of the meeting.
2. Inform the debtor that the debtor must be punctual and, in the case of a joint filing, that
both spouses must appear at the same meeting.
3. Provide knowledgeable legal representation for the debtor at the meeting of creditors (in
time for check-in and the actual examination) and, unless excused by the trustee, for the
confirmation hearing.
4. If the attorney will be employing another attorney to attend the 341 meeting or any court
hearing, personally explain to the debtor in advance, the role and identity of the other attorney
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and provide the other attorney with the file in sufficient time to review it and properly
represent the debtor.
5. Timely submit to the Chapter 13 trustee properly documented proof of income for the
debtor, including business reports for self-employed debtors.
6. Timely respond to objections to plan confirmation and, where necessary, prepare, file, and
serve an amended plan.
7. Timely prepare, file, and serve any necessary statements, amended statements, and
schedules and any change of address, in accordance with information provided by the debtor.
8. Monitor all incoming case information (including, but not limited to, Order Confirming
Plan, Notice of Intent to Pay Claims, and 6-month status reports) for accuracy and
completeness. Contact the trustee promptly regarding any discrepancies.
9. Be available to respond to the debtor’s questions throughout the term of the plan.
10. Prepare, file, and serve timely modifications to the plan after confirmation, when
necessary, including modifications to suspend, lower, or increase plan payments.
11. Prepare, file, and serve necessary motions to buy or sell property and to incur debt.
12. Object to improper or invalid claims.
13. Timely respond to the Chapter 13 trustee’s motions to dismiss the case, such as for
payment default, or unfeasibility, and to motions to increase the percentage payment to
unsecured creditors.
14. Timely respond to motions for relief from stay.
15. Prepare, file, and serve all appropriate motions to avoid liens.
16. Provide any other legal services necessary for the administration of the case.
C. TERMINATION OR CONVERSION OF THE CASE AFTER ENTRY OF AN
ORDER APPROVING FEES AND EXPENSES
1. Approved fees and expenses paid under the provisions set out below are generally not
refundable in the event that the case is dismissed prior to its completion, unless the dismissal is
due to a failure by the attorney to comply with the duties set out in this agreement. If such a
dismissal is due to a failure by the attorney, the court may order a refund of fees on motion by the
debtor.
2. If the case is dismissed after approval of the fees and expenses but before payment of all
allowed fees and expenses, the order entered by the Bankruptcy Court allowing the fees and
expenses is not a judgment against the debtor for the unpaid fees and expenses based on contract
law or otherwise.
3. If the case is converted to a case under chapter 7 after approval of the fees and expenses under
this agreement but before the payment of all fees and expenses, the attorney will be entitled to an
administrative claim in the chapter 7 case for any unpaid fees and expenses, pursuant to section
726(b) of the Bankruptcy Code, plus any conversion fee the attorney pays on behalf of the debtor.
3
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D. RETAINERS AND PREVIOUS PAYMENTS
1. The attorney may receive a retainer or other payment before filing the case but may not receive
fees directly from the debtor after the filing of the case. Unless the following provision is
checked and completed, any retainer received by the attorney will be treated as a security
retainer, to be placed in the attorney's client trust account until approval of a fee application by
the court.
The attorney seeks to have the retainer received by the attorney treated as an advance
payment retainer, which allows the attorney to take the retainer into income immediately.
The attorney hereby provides the following further information and representations:
(a) The special purpose for the advance payment retainer and why it is advantageous to
the debtor is as follows:
(b) The retainer will not be held in a client trust account and will become property of the
attorney upon payment and will be deposited into the attorney's general account;
(c) The retainer is a flat fee for the services to be rendered during the chapter 13 case
and will be applied for such services without the need for the attorney to keep
detailed hourly time records for the specific services performed for the debtor;
(d) Any portion of the retainer that is not earned or required for expenses will be
refunded to the client; and
(e) The attorney is unwilling to represent the debtor without receiving an advanced
payment retainer because of the nature of the chapter 13 case, the fact that the great
majority of services for such case are performed prior to its filing, and the risks
associated with the representation of debtors in bankruptcy cases in general.
2. In any application for compensation the attorney must disclose to the court any fees or other
compensation paid by the debtor to the attorney for any reason within the one year before the
case filing.
E. CONDUCT AND DISCHARGE
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1. Improper conduct by the attorney. If the debtor disputes the sufficiency or quality of the legal
services provided or the amount of the fees charged by the attorney, the debtor may file an
objection with the court and request a hearing.
2. Improper conduct by the debtor. If the attorney believes that the debtor is not complying with
the debtor's responsibilities under this agreement or is otherwise engaging in improper conduct,
the attorney may apply for a court order allowing the attorney to withdraw from the case.
3. Discharge of the attorney. The debtor may discharge the attorney at any time.
F. ALLOWANCE AND PAYMENT OF ATTORNEYS' FEES AND EXPENSES
1. Any attorney retained to represent a debtor in a Chapter 13 case is responsible for representing
the debtor on all matters arising in the case unless otherwise ordered by the court. For all of the
services outlined above, the attorney will be paid a flat fee of $4,200.00
2. In addition, the debtor will pay the filing fee required in the case of $310.00
3. Before signing this agreement, the attorney has received , $1,900.00
toward the flat fee, leaving a balance due of $2,300.00; and $0.00 for expenses,
leaving a balance due for the filing fee of $310.00
4. In extraordinary circumstances, such as extended evidentiary hearings or appeals, the attorney
may apply to the court for additional compensation for these services. Any such application must
be accompanied by an itemization of the services rendered, showing the date, the time expended,
and the identity of the attorney performing the services. The debtor must be served with a copy of
the application and notified of the right to appear in court to object.
Date: December 7, 2015
Signed:
/s/ James Allegretti /s/ James Bernicky #
James Allegretti James Bernicky # 6299091
Attorney for the Debtor(s)
/s/ Alicia Allegretti
Alicia Allegretti
Debtor(s)
Do not sign this agreement if the amounts are blank.
Local Bankruptcy Form 23c
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B2030 (Form 2030) (12/15)
United States Bankruptcy Court
Northern District of Illinois
In re
James Allegretti
Alicia Allegretti Case No.
Debtor(s) Chapter 13
DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR(S)
1. Pursuant to 11 U .S.C. § 329(a) and Fed. Bankr. P. 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 to me, 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 $ 4,200.00
Prior to the filing of this statement I have received $ 1,900.00
Balance Due $ 2,300.00
2. The source of the compensation paid to me was:
Debtor Other (specify):
3. The source of compensation to be paid to me is:
Debtor Other (specify):
4. 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.
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;
b. Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;
c. Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;
d. [Other provisions as needed]
Negotiations with secured creditors to reduce to market value; exemption planning; preparation and filing of
reaffirmation agreements and applications as needed; preparation and filing of motions pursuant to 11 USC
522(f)(2)(A) for avoidance of liens on household goods.
6. By agreement with the debtor(s), the above-disclosed fee does not include the following service:
Representation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions or
any other adversary proceeding.
CERTIFICATION
I 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, 2015 /s/ James Bernicky #
Date James Bernicky # 6299091
Signature of Attorney
Bernicky Law Firm
1001 E. Chicago Ave
Suite 121
Naperville, IL 60540
630-909-9902 Fax: 630-914-6946
info@BernickyLaw.com
Name of law firm
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United States Bankruptcy Court
Northern District of Illinois
In re
James Allegretti
Alicia Allegretti Case No.
Debtor(s) Chapter 13
VERIFICATION OF CREDITOR MATRIX
Number of Creditors: 12
The above-named Debtor(s) hereby verifies that the list of creditors is true and correct to the best of my
(our) knowledge.
Date: December 7, 2015 /s/ James Allegretti
James Allegretti
Signature of Debtor
Date: December 7, 2015 /s/ Alicia Allegretti
Alicia Allegretti
Signature of Debtor
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}bk1{Credito AresMatix}bk{
Capital One
Attn: Bankruptcy
Po Box 30285
Salt Lake City, UT 84130
Crd Prt Asso
Attn: Bankruptcy
Po Box 802068
Dallas, TX 75380
Credit One Bank
Po Box 98873
Las Vegas, NV 89193
IC System
Attn: Bankruptcy
444 Highway 96 East; Po Box 64378
St. Paul, MN 55164
Kohls/capone
N56 W 17000 Ridgewood Dr
Menomonee Falls, WI 53051
Midland Funding
2365 Northside Drive Sui
San Diego, CA 92108
Ocwen Loan Servicing L
1661 Worthington Rd Suite 100
West Palm Beach, FL 33409
Portfolio Recovery Ass
287 Independence
Virginia Beach, VA 23462
Verizon
500 Technology Dr
Ste 550
Weldon Spring, MO 63304
Visdsnb
9111 Duke Blvd
Mason, OH 45040
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Webster Bank
145 Bank St
Waterbury, CT 06702
Wells Fargo Hm Mortgag
Po Box 10335
Des Moines, IA 50306
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