EFTA00603367.pdf

Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main B1 Official Form 1) 12/11 x 0 E LL United States Bankruptcy Court District of New Jersey Voluntary Petition Name of Debtor (if individual. enter Last. First. Middle): Ross, Michael Robert Name of Joint Debtor (Spouse) (Last. First Middle): All Other Names used by the Debtor in the last 8 years (include married, maiden and trade names): All Other Names used by the Joint Debtor in the last 8 years (include married, maiden and trade names): Last four digits of Sac. Sec. or Individual-Taxpayer I.D. (ITIN) /Complete UN (if more than one, state all): Last four digits of Soc. Sec. or Individual-Taxpayer I.D. °TWO/Complete ElN (if more than one, state all): Street Address of Debtor (No. & Street. City. State & Zip Code): Street Address of Joint Debtor (No. & Street. City. State & Zip Code): ZIPCODE ZIPCODE Count of Residence or of the Principal Place of Business: County of Residence or of the Principal Place of Business: Mailing Address of Debtor (if different front street address) Mailing Address of Joint Debtor (if different front street address): ZIPCODE ZIPCODE Location of Principal Assets of Business Debtor (if different from street address above): ZIPCODE Type of Debtor (Form of Organization) (Check one box.) grIndividual (includes Joint Debtors) See Erhibir D on page 2 of this form. O Corporation (includes LLC and LLP) Nature of Business (Check one box.) Business Real Estate as defined in II Broker Bank Chapter of Bankruptcy the Petition grChapter 7 MI Chapter 9 Code Under Which is Filed (Check one box.) O Chapter 15 Petition for Recognition of a Foreign Main Proceeding O Chapter 15 Petition for Recognition of a Foreign Nonmain Proceeding • Health Care M Single Asset U.S.C. 5101(51B) • Chapter II • Railroad • Chapter 12 • Partnership • Stockbroker • Chapter 13 O Other (If debtor is not one of the above entities. check this box and state type of entity below.) O Commodity • Clearing Nature of Debts (Check one g Debts arc primarily consumer debts, defined in II U.S.C. 4 101(8) as "incurred by an individual primarily for a personal family. or house- hold Nrpose." box.) • Other Chapter 15 Debtor Country of debtor's center of main interests: • Debts arc primarily (Check Tax-Exempt Entity box. if applicable.) a tax-exempt organization under the United States Code (the Code). business debts. Each country in which a foreign proceeding by. regarding. or against debtor is pending: • Debtor is Title 26 of Internal Revenue Fling Fee (Check one box) grFull Filing Fee attached foe 3A. individuals Check one box: Chapter II Debtors a small business debtor as defined in I I U.S.C. 4 101(51D). not a small business debtor as defined in I I U.S.C. 4 101(5ID). nonconungent bquidated debts (excluding debts onvd to insiders or affiliates) re less (amount sublet? to adjustment on 1/01/13 and nay three years thereafter). boxes: being filed with this petition of the plan were solicited prepetition from one or more classes of creditors, in with II U.S.C. 11126(b). • Debtor is • Debtor is • Filing Fee to be paid in installments (Applicable to individuals Check if: O Debtor's aggregate than 52.343.300 Check all applicable only). Must attach signed application for the court's consideration certifying that the debtor is unable to pay except in installments. Rule 1006(b). See Official Form El Filing Fee waiver requested (Applicable to chapter 7 only). Must attach signed application for the court's consideration. See Official Form :rB • A plan is M Acceptances accordance StatistieriV.1dinin is teat is e Information Debtor estimates that funds will be available for distribution to unsecured creditors. Debtor estimates that. after any exempt property is excluded and administrative expenses paid. there will be no funds available for distribution to unsecured creditors. THIS SPACE IS FOR COURT USE ONLY Estimated Number of Creditors O O 5.(X)t. 10.(X)1- 10.000 25.(00 O Over 100.000 Lir • • O O • a 1-49 50-99 100-199 200-999 1.000- 5.000 25,00I- 50.001- 50.000 100.000 Estimated Assets O to $10,000,011 to $50 O to 5100.0W.001 million to 55(X) O More than SI billion RI O s O s • • $0 to $50.001 to $100,001 to $500.001 to $1.000,001 $50,00 $100.000 8500.000 $1 million $10 million $50.000.001 million $100 $500.000.001 million to SI billion Estimated Liabilities O More than SI billion • • • • Ikl" • • • • $0 to $50.001 to 4100.001 to 4500.001 to $1.000001 to $10.000.001 $50.000.001 to S100.000.001 5500.000.001 $50000 $100.0X) $500.000 SI million $10 million to 550 million 510D million to 55(X) million to 51 billion EFTA00603367 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main B1 (Official Form I) (12/11) MIN iMPnt Par 7 of 7R Page 2 z 0 a s g E Voluntary Petition (This page must be completed and filed in every case) Name of Debtor(s): Ross, Michael Robert All Prior Bankruptcy Case Filed Within Last 8 Years (If more than two, attach additional sheet) Location Where Fiao:None Case Number: Date Filed: Location Where Filed: Case Number: Date Filed: Pending Bankruptcy Case Filed by any Spouse, Partner or Affiliate of this Debtor (If more than one. attach additional sheet) Name of Debtor: None Case Number: Date Filed: District: Relationship: Judge: Exhibit A (To be completed if debtor is required to file periodic reports (e.g.. forms 10K and 10Q) with the Securities and Exchange Commission pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 and is requesting relief under chapter 11.) O Exhibit A is attached and made a part of this petition. Exhibit B (To be completed if debtor is an individual whose debts are primarily consumer debts.) I. the attorney for the petitioner named in the foregoing petition. declare that I have informed the petitioner that the or she] may proceed under chapter 7. IL 12. or 13 of title II. United States Code, and have explained the relief available under each such chapter. I further certify that I delivered to the debtor the notice required by 11 U.S.C. § 342(b). X /s/ Eugene D. Roth 12/07/12 Signature of Attorney far Debtor(%) Date Exhibit C Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety? O Yes, and Exhibit C is attached and made a part of this petition. iEr No Exhibit D (To be completed by every individual debtor. If a joint petition is filed. each spouse must complete and attach a separate Exhibit D.) Er Exhibit D completed and signed by the debtor is attached and made a part of this petition. If this is a joint petition: O Exhibit D also completed and signed by the joint debtor is attached a made a part of this petition. Information Regarding the Debtor - Venue (Check any applicable box.) g . Debtor has been domiciled or has had a residence, principal place of business. or principal assets in this District for 180days immediately preceding the date of this petition or for a longer part of such 180 days than in any other District. O There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District. O Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in this District. or has no principal place of business or assets in the United States but is a defendant in an action or proceeding fin a federal or state coun] in this District, or the interests of the parties will be served in regard to the relief sought in this District. Certification by a Debtor Who Resides as a Tenant of Residential Property (Check all applicable boxes.) Li Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked. complete the following.) (Name of landlord that obtained judgment) (Address of landlord) O Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure the entire monetary default that gave rise to the judgment for possession. after the judgment for possession was entered. and O Debtor has included in this petition the deposit with the court of any rent that would become due during the 30-day period after the filing of the petition. O Debtor certifies that he/she has served the Landlord with this certification. (I 1 U.S.C. § 362(1)). EFTA00603368 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main B1 (Official Form 1 12/11 Pate . OO a E LL iP If th pR Voluntary Petition (This page must be completed and filed in every case) Name of Debtor(s): Ross, Michael Robert Signatures Signature(s) of Debtor(s) (Individual/Joint) I declare under penalty of perjury that the information provided in this petition is true and correct. [If petitioner is an individual whose debts are primarily consumer debts and has chosen to file under Chapter 71 I am aware that I may proceed under chapter 7. II. 12 or 13 of title II. United States Code, understand the relief available under each such chapter. and choose to proceed under chapter 7. [If no attorney represents me and no bankruptcy petition preparer signs the petition] I have obtained and read the notice required by I I U.S.C. § 342(b). I request relief in accordance with the chapter of title II. United States Code, specified in this petition. X Is/Michael Robert Ross Signature of a Foreign Representative I declare under penalty of perjury that the information provided in this petition is true and correct. that I am the foreign representative of a debtor in a foreign proceeding. and that I am authorized to file this petition. (Check only one box.) O I request relief in accordance with chapter 15 of title 11. United States Code. Certified copies of the documents required by 11 U.S.C. § 1515 are attached. O Pursuant to 11 U.S.C. § 1511.1 request relief in accordance with the chapter of title II specified in this petition. A certified copy of the order granting recognition of the foreign main proceeding is attached. Signature of Foreign Representative Signature of Odder Michael Robert Ross X Tanned Name of Foreign Representative Signature of Joint Debtor Date Telephone Number (hoot represented by attorney) December 7, 2012 Date Signature of Attorney X Is/Eugene D. Roth Signature of Non-Attorney Petition Preparer I declare under penalty of perjury that: I) I am a bankmptcy petition preparer as defined in II U.S.C. § 110; 2) I prepared this document for compensation and have provided the debtor with a copy of this document and the notices and information required under II U.S.C. §§ 110(b), 110(h) and 342(b); and 3) if rules or guidelines have been promulgated pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services chargeable by bankruptcy petition preparers. I have given the debtor notice of the maximum amount before preparing any document for filing for a debtor or accepting any fee from the debtor, as required in that Nection. Official Form 19 is attached. Signature of Attorney for Dcbto” ,. Eugene D. Roth Law Office of Eugene D. Roth 2520 Hwy. 35. Ste. 307 Manasquan. NJ 08736 December 7, 2012 Printed Name and title. if any. of Bankruptcy Petition Pr/parse Social Seemly Number (If die bankruptcy petition prepare, 01 nd 'dual. t te the Social Sects* number ti the officer. principal responsible person or partner of the bankruptcy petition preparer.) (Required by II U.S.C. § 110.) Date •In a case in which i 707(bX4)(D) applies. this signature also constitutes a certification that the attorney has no knowledge after an inquiry that the information in the schedules is incorrect. Address X Signature of Debtor (Corporation/Partnership) I declare under penally of perjury that the information provided in this petition is uue and correct, and that I have been authorized to file this petition on behalf of the debtor. The debtor requests relief in accordance with the chapter of title II. United States Code. specified in this petition. X assisted Signature Date Signature of Bankruptcy Petition Preparer or officer. principal. responsible person. or partner whose social security number is provided above. Names and Social-Security numbers of all other individuals who prepared or in preparing this document unless the bankruptcy petition preparer is not an individual: If more than one person prepared this document, attach additional sheets conforming to the appropriate official form for each person. A bankruptcy petition preparers failure to comply with the prorisions of tide 11 and the Federal Rules of Bankruptcy Procedure may result in fines or imprisonment or both 11 U.S.C. § 110: 18 U.S.C. § 156. Signature of Authorized Individual Printed Name of Authorized Individual Tide of Authorized Individual Date EFTA00603369 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main BID (Official Form I. Exhibit D) (l2J09) Document Page 4 of 26 United States Bankruptcy Court District of New Jersey IN RE: Ross. Michael Robert Dcbtor(s) Case No. Chapter 7 EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE CREDIT COUNSELING REQUIREMENT Warning: You must be able to check truthfully one of the five statements regarding credit counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your creditors will be able to resume collection activities against you. If your case is dismissed and you file another bankruptcy case later, you may be required to pay a second filing fee and you may have to take extra steps to stop creditors' collection activities. Every individual debtor must file this Exhibit D. Ifajoint petition is filed, each spouse must complete and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed. I. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy of any debt repayment plan developed through the agency. 4 K 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling agency approved by ci the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do not have a certificate from the agency describing the services provided to me. You must file a copy of a certificate from the agency describing the services provided to you and a copy of any debt repayment plan developed through 1 the agency no later than 14 days after your bankruptcy case is filed. K 3. I certify that I requested credit counseling services from an approved agency but was unable to obtain the services during the seven days from the time I made my request, and the following exigent circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case now. (Summarize exigent circumstances here.( N LL e W If your certification is satisfactory to the court, you must still obtain the credit counseling briefing within the first 30 days after you Fde your bankruptcy petition and promptly file a certificate from the agency that provided the counseling, together with a copy of any debt management plan developed through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days. Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy case without first receiving a credit counseling briefing. El 4. I am not required to receive a credit counseling briefing because of: (Check the applicable statement. I (Must be accompanied by a motion for determination by the court ( K Incapacity. (Defined in II U.S.C. § 109(h)(4) as impaired by reason of mental illness or mental deficiency so as to be incapable of realizing and making rational decisions with respect to financial responsibilities.); K Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or through the Internet.); p Active military duty in a military combat zone. K 5. The United States trustee or bankruptcy administrator has determined that the credit counseling requirement of 11 U.S.C. § 109(h) does not apply in this district. I certify under penalty of perjury that the information provided above is true and correct. Signature of Debtor: Is/Wheel Robert Ross Date: December 7, 2012 EFTA00603370 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 5 of 26 B201A (Form 201A) (11/11) 0 E UNITED STATES BANKRUPTCY COURT NOTICE TO CONSUMER DEBTOR(S) UNDER §342(b) OF THE BANKRUPTCY CODE In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of bankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney General may examine all information you supply in connection with a bankruptcy case. You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice. Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed from the bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse receive a separate copy of all notices. 1. Services Available from Credit Counseling Agencies With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a joint case must complete the briefing. In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial management instructional course before he or she can receive a discharge. The clerk also has a list of approved financial management instructional courses. Each debtor in a joint case must complete the course. 2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors Chapter 7: Liquidation ($245 filing fee, $46 administrative fee, $15 trustee surcharge: Total fee $306) Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases, the United States trustee (or bankruptcy administrator), the trustee, or creditors have the right to file a motion requesting that the court dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed. Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors. The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your EFTA00603371 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 6 of 26 B201A (Form 201A) (11/11) Page 2 0 E LL F th discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated. Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged. Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee, $46 administrative fee: Total fee $281) Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy Code. Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your income and other factors. The court must approve your plan before it can take effect. After completing the payments under your plan, your debts are generally discharged except for domestic support obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations. Chapter 11: Reorganization ($1000 filing fee, $46 administrative fee: Total fee $1046) Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quite complicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney. Chapter 12: Family Farmer or Fisherman ($200 filing fee, $46 administrative fee: Total fee $246) Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earnings and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose income arises primarily from a family-owned farm or commercial fishing operation. 3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, either orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information supplied by a debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the United States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice. WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors, assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court. The documents and the deadlines for filing them are listed on Form B200, which is posted at httplAvww.uscourts.Rov/bkforms/bankruptcy forms.html#procedure. EFTA00603372 B201B(FacM )45,0702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 7 of 26 United States Bankruptcy Court District of New Jersey 0 a E th IN RE: Ross Michael Robert Case No. Chapter 7 Debtor(s) CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S) UNDER § 342(b) OF THE BANKRUPTCY CODE Certificate of [Non-Attorney] Bankruptcy Petition Preparer I, the [non-attorney] bankruptcy petition preparer signing the debtor's petition, hereby certify that I delivered to the debtor the attached notice, as required by § 342(b) of the Bankruptcy Code. Printed Name and title. if any. of Bankruptcy Petition Preparer Address: X Signature of Bankruptcy Petition Preparer of officer, principal, responsible person, or partner whose Social Security number is provided above. Certificate of the Debtor Social Security number (If the bankruptcy petition preparer is not an individual, state the Social Security number of the officer, principal, responsible person, or partner of the bankruptcy petition preparer.) (Required by II U.S.C. § 110.) I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy Code. Ross, Michael Robert Printed Name(s) of Debtor(s) X is/ Michael Robert Ross Signature of Debtor Case No. (if known) X 12/07/2012 Date Signature of Joint Debtor (if any) Date Instructions: Attach a copy of Form B 201A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code. Use this form to certify that the debtor has received the notice required by I I U.S.C. § 342(b) only if the certification has NOT been made on the Voluntary Petition, Official Form B I. Exhibit B on page 2 of Form B1 contains a certification by the debtor's attorney that the attorney has given the notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on page 3 of Form B I also include this certification. EFTA00603373 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 8 of 26 United States Bankruptcy Court District of New Jersey 0 E LL IN RE: Ross, Michael Robert Case No. Chapter 7 Debtor(s) DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR I. Pursuant to I I U.S.C. § 329(a) and Bankruptcy Rule 2016(b). I certify that I am the attorney for the above-named debtor(s) and that compensation paid to me within one year before the filing of the petition in bankruptcy. or agreed to be paid tome. for services rendered or to be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows: For legal services. I have agreed to accept S 1,750.00 Prior to the filing of this statement I have received S 1,750.00 Balance Due rte 0.00 2. The source of the compensation paid to me was: EiDebtor I:Other (specify): 3. The source of compensation to be paid to me is: O Debtor K Other (specify): 4. Er I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm. K 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. e. 'Other provisions as needed] 53 ; 6. By agreement with the debtor(s). the above disclosed fee does not include the following services: CERTIFICATION certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in this bankruptcy proceeding. December 7, 2012 /s/ Eugene D. Roth Date Eugene D. Roth Law Office of Eugene D. Roth 2520 Hwy. 35. Ste. 307 Manasquan, NJ 08736 EFTA00603374 0 e W (A B6A (orfignl,§algWP2 - KC F Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 9 of 26 IN RE Ross, Michael Robert Debtor(s) SCHEDULE A - REAL PROPERTY Case No. Of known) Except as directed below, list all real property in which the debtor has any legal. equitable. or future interest. including all property owned as a cotenant. community property. or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable for the debtor's own benefit. If the debtor is married, state whether the husband. wife. both. or the marital community own the property by placing an "H: "W." 1: or "C" in the column labeled "Husband. Wife, Joint. or Community." If the debtor holds no interest in real property, write -None- under "Description and Location of Property." Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and Unexpired Leases. If an entity claims to have a lien or hold a secured interest in any property. state the amount of the secured claim. See Schedule D. If no entity claims to hold a secured interest in the property. write -None" in the column labeled "Amount of Secured Claim." If the debtor is an individual or if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property Claimed as Exempt. DESCRIPTION AND LOCATION OF PROPERTY N xiVRE OP CBEIDDRS :X 1 EFEET IN PROPERTY HUSBAND. WIFE. JOINT. OR COMMUNITY CURRENT VALUE OF DEBTORS INTEREST IN PROPERTY WITHOUT DEDUCTING ANY SECURED CLAIM OR EXEMPTION AMCIUNT OF SECURED °RIM None TOTAL 0.00 'Report also on Summary of Schedules) EFTA00603375 B60 torticgcl..§AjgAJP2 - '<OF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 10 of 26 IN RE Ross, Michael Robert Case No. Debtortsi f If known) SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS State the name, mailing address. including zip code, and last four digits of any account number of all entities holding claims secured by prepeny of the debtor as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the tnrstee and the creditor and may be provided if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of mist. and other security interests. List creditors in alphabetical order to the extent practicable. If a minor child is the creditor, state the child's initials and the name and address of the child's parent or guardian. such as 'A.R.. a minor child. by John Doe, guardian." Do not disclose the Childs name. See. II U.S.C. *I 12 and led. R. BanIcr. P. I007(m). If all secured creditors will not fit on this page. use the continuation sheet provided. If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor." include the entity on the appropriate schedule of creditors, and complete Schedule H - Cadcbtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be liable on each claim by placing an "H.- "W." "J." or "C' in the column labeled "Husband. Wife. Joint, or Community." If the claim is contingent. place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "K' in the column labeled "Unliquidated7 If the claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.) Total the columns labeled "Amount of Claim Without Deducting Value of Collateral- and "Unsecured Portion, if Any' in the boxes labeled 'Total(s)" on the last sheet of the completed schedule. Report the total front the column labeled "Amount of Claim Without Deducting Value of Collateral" also on the Summary of Schedules and, if the debtor is an individual with primarily consumer debts. report the total from the column labeled "Unsecured Portion, if Any" on the Statistical Summary of Certain Liabilities and Related Data. [Check this hex it debtor has no creditors holding secured claims to report on this Schedule D. 0 E N LL O th th 4; uthorroas NAME AND >AAIUN° ADDRESS INCLUDING ZIP CODE AND ACCOUNT NUMBER Ore Aninwnons Mow.) w 0 o a 0 id HUSBAND. 'MEE JOINT. OR COMMUNITY DATE CLAIM WAS INCURRED. NATURE OF UEN. AND DESCRIPTION AND V ALAJDOF PROPERTY SUBJECT TO LIEN i g U 0 W < R 5,2 I n O AMOUNT Of CLAM wmiour DEDUCTING VALUE OF COLLATERAL UNSECURED PORTION. IF ANY ACCOUNT NO. Value S ACCOUNT NO. Value S ACCOUNT NO. Value S ACCOUNT NO. %%du.: S 0 continuation sheets attached Subtotal (Total of this pag ) Total (Use only on last pag ) S S S S IRtecet aLuron Swims) at Schedules.) III apple:AP. RPM Alto OA SIlltiKal Suayst) a ten= Lobel', et% and Retool Out EFTA00603376 nrEithnegAt, iiga )02-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 11 of 26 IN RE Ross, Michael Robert Case No. Debtor(s) III known) SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS A complete list of claims entitled to priority. listed separately by type of priority, is to be set forth on the sheets provided. Only holders of unsecured claims entitled to priority should be listed in this schedule. In the boxes provided on the attached sheets. state the name, mailing address. including rip code. and last four digits of the account number. if any. of all entities holding priority claims against the debtor or the property of the debtor. as of the date of the filing of the petition. Use a separate continuation sheet for each type of priority and label each with the type of priority. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor. state the child's initials and the name and address of the child's parent or guardian. such as "A.B.. a minor child. by John Doe. guardian.' Do not disclose the child's name. See. II U.S.C. §I12 and Fed. R. Bankr. P. 1007(m). If any entity other than a spouse in a joint case may be jointly liable on a claim place an "X" in the column labeled tokbtor." include the entity on the appropriate schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed. state whether the husband, wife. both of them. or the marital community may be liable on each claim by placing an 'H." "W." "J: or "C" in the column labeled "Husband. Wife. Joint. or Community:" If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated. place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.) Report the total of claims listed on each sheet in the box labeled "Subtotals' on each sheet. Report the total of all claims listed on this Schedule E in the box labeled 'Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules. Report the total of amounts entitled to priority listed on each sheet in the box labeled 'Subtotals" on each sheet. Report the total of all amounts entitled to priority listed on this Schedule E in the box labeled 'Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total also on the Statistical Summary of Certain Liabilities and Related Data. Report the total of amounts not entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts not entitled to priority listed on this Schedule E in the box labeled "Totals- on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total also on le" the Statistical Summary of Certain Liabilities and Related Data. 0 E • rCheck this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E. a TYPES OF PRIORITY CLAIMS (Chock the appropriate box(cs) below if claims in that category arc listed on the attached sheets) El Domestic Support Obligations • Claims for domestic support that are owed to or recoverable by a spouse. former spouse. or child of the debtor. or the parent. legal guardian. or responsible relative of such a child. or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in II g U.S.C. § 507(a)(1). Extensions of credit in an involuntary case Claims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of the tr. appointment of a trustee or the order for relief. 11 U.S.C. § 507(a)(3). IJ I:2 0 Wages, salaries, and commissions • Wages. salaries. and commissions. including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifying independent sales representatives up to $11.725* per person earned within 180 days immediately preceding the filing of the original petition, or the O cessation of business. whichever occurred first, to the extent provided in 11 US.C. § 507(a)(4). p Contributions to employee benefit plans Money owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition. or the cessation of business. whichever occurred first. to the extent provided in 11 U.S.C. § 507(a)(5). K Certain farmers and fishermen Claims of certain farmers and fishermen. up to $5.775* per farmer or fisherman. against the debtor, as provided in II U.S.C. § 507(aX6). K Deposits by individuals Claims of individuals up to 32.600* for deposits for the purchase. lease. or rental of property or services for personal, family. or household use. that were not delivered or provided. II U.S.C. § 507(a)(7). EI Taxes and Certain Other Debts Owed to Governmental Units Taxes. customs duties, and penalties owing to federal. state. and local governmental units as set forth in II U.S.C. § 507(a)(8). 0 Commitments to Maintain the Capital of an Insured Depository Institution Claims based on commitments to the FDIC. RTC. Director of the Office of Thrift Supervision. Comptroller of the Currency, or Board of Governors of the Federal Reserve System. or their predecessors or successors. to maintain the capital of an insured depository institution. 11 U.S.C. § 507 (a)(9). O Claims for Death or Personal Injury While Debtor Was Intoxicated Claims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using alcohol. a drug. or another substance. II U.S.C. § 507(a)(10). • Amounts arc subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment. 0 continuation sheets attached EFTA00603377 BBF(OBiegit Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 12 of 26 IN RE Ross, Michael Robert Case No. Debtort) i If known) SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS State the name. mailing address. including zip code. and last four digits of any account number, of all entities holding unsecured claims without priority against the debtor or the property of the debtor. as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor. state the child's initials and the name and address of the child's parent or guardian. such as "A.B.. a minor child, by John Doe. guardian." Dona disclose the child's name. See. II U.S.C. 4112 and Fed. R. Banks. P. 1007(m). Do not include claims listed in Schedules D and E. If all creditors will not fit on this page. use the continuation sheet provided. If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor." include the entity on the appropriate schedule of creditors, and complete Schedule H - Codcbtors. If a joint petition is filed, state whether the husband, wife. both of them. or the marital community may be liable on each claim by placing an "H." "W." "J." or "C' in the column labeled "Husband. Wife. Joint, or Community." If the claim is contingent. place an "X" in the column labeled "Contingent." If the claim is unliquidatal. place an "X" in the column labeled "Unliquidatcd." If the claim is disputed. place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.) Report the total of all claims listed on this schedule in the box labeled 'Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules and. if the debtor is an individual with primarily consumer debts. report this total also on the Statistical Summary of Certain Liabilities and Related Data. p Check this box if debtor has no creditors holding unsecured nonpriority claims to report on this Schedule F. O a E LL N CREDITORS NAME. MAILING ADDRESS INCLUDING ZIP COOE. AND ACCOUNT NUMBER Mr lasrmenentrAbovc) e N a HUSBAND. WIFE. JOINT. OR COMMUNITY DATE CLAIM WAS INCURRED AND CONSIDERATION FOR CLAIM IF CLAIM IS SUBJECT TO SETOFF. SO STATE 8 UNLIQUIDATED 0 2 n ° AMOUNT OF cum ACCOUNT NO. 558418001288 Business Credit Card 13.554.00 Advanta Credit Cards PO Box 9217 Old Bethpage, NY 11804-9017 ACCOUNT NO. 349991231246 Credit Card 3.307.00 American Express PO Box 981537 El Paso, TX 79998-1537 ACCOUNT NO. 349990816069 Credit Card 54,309.00 American Express CIO Jaffe & Asher LLP 117 Goffie Rd Hawthorne, NJ 07507 ACCOUNT NO. 3499907721061773 credit card 52,837,00 American Express P.O. Box 981537 El Paso, TX 79998 4 continuation sheets attached Sub otal (Total of this page) Total (Use only on last page of the completed Schedule F. Report also on the Summary of Schedules and, if applicable. on the Statistical Summary of Certain Liabilities and Related Data.) S 124,007,00 EFTA00603378 B6F (orriegnt M iglipgICF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 13 of 26 IN RE Ross, Michael Robert Case No. a E LL Debtor(s) (I(Lnown SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS (Continuation Sheet) CREDITORS NAME. MAILING ADDRESS INCLUDINGmeow. AND ACCOUNT MAS ER. (Sr. burrethen Above.) P co g HUSBAND. WIPE. JOINT. OR COMMUNITY DAM CLAIM WAS INCLIRRED AND CONSIDERATION PORCLADL IP CLAIM IS SUBJECT TO SEWER. SO STATE 1 A 1 I eC AMOUNT OP CLAN C M ACCOUNT NO.1600130288 Goods and Services 1,438.00 Amity Associates 375 Route 10 E, Suite 1R Randolph, NJ 07869 ACCOUNT NO. 426429499873 Credit Card 13,894.00 Bank Of America PO Box 15026 Wilmington, DE 19850-5026 ACCOUNT NO. J-032361-2011 X Personal Guarantee 17,417.46 Barry Associates LLC C/O Maggs & Mcdermott LLC 800 Old Bridge Rd Brielle, NJ 08730 ACCOUNT NO. 411507702026 Credit Card 2,081.00 Capital One PO Box 30281 Salt Lake City, UT 84130-0281 ACCOUNT NO. 517805262350XXXX credit card 2,581.00 Capital One PO Box 30281 Salt Lake City. UT 84130 Ac couN-r NO. J-126243-2011 X Personal Guarantee 53,513.75 Cash Advance Corporation C/O Heitner & Breitstein 28 N Main Street Marlboro, NJ 07746 ACCOUNT NO. 300001528"" X Mortgage Deficiency on Property in Georgia 138,300.00 Cenlar FSB 425 Phillips Blvd Trenton, NJ 08618 Sheet no. 1 of 4 continuation sheets attached to Subtotal (Total of th s page) Total (Use only on last page of the completed Schedule F. Report also on the Summary of Schedules, and if applicable. on the Statistical Summary of Certain Liabilities and Related Data) S 229,225.21 Schedule of Creditors Holding Unsecured Nonpriority Claims S EFTA00603379 B6F (OfftegM MiggPMCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 14 of 26 IN RE Ross, Michael Robert Case No. Debtor(s) III known) SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS (Continuation Sheet) CREDITORS NAME. MAILING ADDRESS ENO...MING ZIP aloe. AND ACCOUNT NMIDER. (Sr. !manning° Above.) co co Q HUSBAND. WIPE JOINT. OR COMMUNITY DA1E CLAJM WAS INCURRED AND CONSIDDRATION POR CLAM IP CLAD/ LS SUBJECI- TO SETOPP. SO STATE CONEINCANT UNUQUIDKIED I eC a AMOUNT OP CLAD, ACCOUNT NO. 108239159' Auto Loan Deficiency 14,487.00 Chase Auto PO Box 901076 Fort Worth. TX 76101 ACCOUNT NO. 156001051xxxx X 2nd Mortgage Deficiency for Property at 18 Branch Road Oakhurst NJ 25,438.00 Chase Bank 11200 W. Parkland Ave P.O. Box 3139 Milwaukee, WI 53201 ACCOUNT NO. 156001693xxxx X Mortgage Deficiency on Property @ 18 Branch Road. Oakhurst, NJ 436,148.00 Chase Bank 11200 W Parkland Ave P.O. Box 3139 Milwaukee, WI 53201 ACCOUNT NO. 607209134415xxxx Credit Card 7,009.00 allfinanclal 4500 New Linden Hill Road Wilmington, DE 19808-2922 ACCOUNT NO. 16001r— medical 1,438.00 David R Gentile, MD. C/0 Amit Associates, LLC ACCOUNT NO. 4820XXXX goods and services 287.00 EOS CCA 700 Long Water Drive Norwell, MA 02061 ACCOUNT NO. 35943**** X Mortgage Deficiency 111,306.00 GMAC Mortgage P.O. Box 4622 Waterloo, IA 50704 Sheet no. 2 of 4 continuation sheets attached to Subtotal (Total of th s page) Total (Use only on last page of the completed Schedule F. Report also on the Summary of Schedules, and if applicable, on the Statistical Summary of Certain Liabilities and Related Data) s 596,113.00 Schedule of Creditors Holding Unsecured Nonpriority Claims S EFTA00603380 B6F (orriegM M iglipgICF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 15 of 26 IN RE Ross, Michael Robert Case No. f 10 Debtor(s) I known SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS (Continuation Sheet) CREDITORS NAME. MAILING ADDRESS DICLUDING ZIP cope. AND ACCOUNT NUMRP.R. (Sr. humnriloat Above.) P co ! HUSBAND. WIPE. JOINT. OR COMMUNITY DA1E CLAJM WAS INCVRRED AND CONSIDERATION POR CLABL IP CLAM IS SLIMECT TO SETOFP. SO STATE >: UNLIQUIDATED I fA AMOUNT OP CLAN ACCOUNT NO. 3786878XXXX credit card 339.00 IC Systems Inc. P.O. Box 64378 Saint Paul. MN 55164 ACCOUNT NO.12000083"n medical 1,078.00 Monmouth Medical Center C/O Healthcare Funding Solutions 4340 Monaco St.. 2nd Floor Denver, CO 80237 ACCOUNT NO. 653953 Utility Bill 799.49 NJ Natural Gas Co C/O Atlantic Advisors, Inc. 710 Mattison Avenue Po Box 841 Asbury Park, NJ 07712 ACCOUNT NO. L 004728-09 X Goods and Services 63,351.96 Onyx Leasing Systems Inc. CFO Donna L Thom • son ACCOUNT NO. DJ-083894-2010 X Personal Guarantee 1,795.10 Sea Lect Wholesale Seafood C/O Edward P E. stein ACCOUNT NO. J-209325-2010 Small Business Loan 107,226.98 Sovereign Bank 800 North Kings Highway Cherry Hill, NJ 08034 ACCOUNT NO. DJ-279091-2009 X Cert of Debt X X X 44,440.00 State Of New Jersey Division Of Taxation PO Box 245 Trenton, NJ 08695 Sheet no. 3 of 4 continuation sheets attached to Subtotal (Total of th s page) Total I Use only on last page of the completed Schedule F. Report also on the Summary of Schedules, and if applicable. on the Statistical Summary of Certain Liabilities and Related Data) S 219,030.53 Schedule of Creditors Holding Unsecured Nonpriority Claims S EFTA00603381 B6norfkgmdRialpgICF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 16 of 26 IN RE Ross, Michael Robert Case No. F Zt Debtor(s) I It Anown SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS (Continuation Sheet) CREDITORS NAME. MAILING ADDRESS DICLUDING ZIP cope. AND ACCOUNT NM IDER. (Sr. Sunning° Above.) P al § HUSBAND. WM. JOINT. OR COMMUNITY DA1E CLAJM WAS INCVRRED AND CONSIDERATION POR CLABL IP CLAMIS SUBJECT To snow. so STATE x op § UNLIQUIDA1ED AMOUNT CLAIM ACCOUNT NO. D.I-307872-2009 X Certificate of Debt 13,639.10 State Of New Jersey Division Of Taxation PO Box 245 Trenton, NJ 08695 ACCOUNT NO. DJ-281875-2011 Certificate of Debt 4,311.62 State Of New Jersey Division Of Taxation PO Box 245 Trenton, NJ 08695 ACCOUNT NO. DJ 16386-2011 Certificate of Debt 4,049.64 State Of New Jersey Division Of Employer Accounts PO Box 913 Trenton, NJ 08695-0254 ACCOUNT NO. 51019600xxxx Auto Loan Deficiency 6,203.00 Valley National Bank 31-00 Broadway Fair Lawn, NJ 07410 ACCOUNT NO. J-222559-2009 X Personal Guarantee 81,214.44 Valley National Bank CiO Ostrowitz & Ostrowitz 225 Gordons Corner Rd Manalapan. NJ 07726 \COW \ I ND ACCOUNT NO. Sheet no. 4 of 4 continuation sheets attached to Subtotal (Total of th s page) Total (Use only on last page of the completed Schedule F. Report also on the Summary of Schedules, and if applicable. on the Statistical Summary of Certain Liabilities and Related Data.) $ 109,417.80 Schedule of Creditors Holding Unsecured Nonpriority Claims S 1,277,793.54 EFTA00603382 B6G(offignaUSiggp2-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 17 of 26 IN RE Ross, Michael Robert Case No. (If known) Debtor(s) SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State nature of debtor's interest in contract. i.e.. "Purchaser.- "Agent.- etc. State whether debtor is the lessor or lessee or a lease. Provide the names and complete mailing addresses of all other parties to each lease or contract described. If a minor child is a party to one of the leases or contracts, state the child's initials and the name and address of the child's parent or guardian. such as "A.B.. a minor child. by John Doc. guardian: Do not disclose the child's name. Sec. I I U.S.C. 4112 and Fed. R. Banta. P. 1007(m). D Check this box if debtor has no executory contracts or unexpired leases. NAME AND SIAIIING ADDRESS. INCLUDING 2JP CODE OF OTHER PARTIES TO LEASE OR CONTRACT DESCRIPTION OF CONTRACT OR LEASE AND NATURE OF DEBTOR'S INTEREST STATE WHETHER LEASE LS FOR NONRESIDENTIAL REAL PROPERTY. STATE CONTRACT NUMBER OP ANY GOVERNMENT CONTRACT. John J. Marinan On Behalf Of H w r Poduska Trust 0 N LL Residential Lease EFTA00603383 0 LL B611 (OfficcIWAI a'a7p 2" KC F IN RE Ross, Michael Robert Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 18 of 26 Case No. Debtor(s) (If (nown) SCHEDULE H - CODEBTORS Provide the infomuition requested concerning any person or entity. other than a spouse in a joint case. that is also liable an any debts listed by the debtor in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state, commonwealth. or territory (including Alaska. Arizona. California. Idaho. Louisiana. Nevada. New Mexico. Puerto Rico. Texas. Washington. or Wisconsin) within the eight-year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and of any former spouse who resides or resided with the debtor in the community property state. commonwealth. or territory. Include all names used by the nondebtor spouse during the eight years immediately preceding the commencement of this case. if a minor child is a codebtor or a creditor. state the child's initials and the name and address of the child's parent cc guardian. such as "A.B.. a minor child. by John Doc. guardian: l)o not disclose the child's name. See. II U.S.C. 012 and Fed. R. Bank. P. 1007(m). K Check this box if debtor has no codebtors. NAME AND ADDRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR All Mixed Up State Of New Jersey 809 West Park Avenue Division Of Taxation Ocean Township, NJ 07712 PO Box 245 Trenton, NJ 08695 Kim rl R Chase Bank 11200 W. Parkland Ave P.O. Box 3139 Milwaukee, WI 53201 Chase Bank 11200 W Parkland Ave P.O. Box 3139 Milwaukee, WI 53201 GMAC Mortgage P.O. Box 4622 Waterloo, IA 50704 Cenlar FSB 425 Phillips Blvd Trenton, NJ 08618 Ross Dockside Steak & Seafood LLC Onyx Leasing Systems Inc. 1400 Ocean Avenue C/O Donna L Thom .son Sea Bright, NJ 07760 Valley National Bank C/O Ostrowitz & Ostrowitz 225 Gordons Corner Rd Manalapan, NJ 07726 Barry Associates LLC C/O Maggs & Mcdermott LLC 800 Old Bridge Rd Brielle, NJ 08730 Cash Advance Corporation C/O Heitner & Breitstein 28 N Main Street Marlboro, NJ 07746 State Of New Jersey Division Of Taxation PO Box 245 Trenton, NJ 08695 Sea Lect Wholesale Seafood DO Edward P E.stein EFTA00603384 B611 tOfficciciAlZ -a7R -AP F IN RE Ross, Michael Robert Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 19 of 26 Case No. 0 E N LL O Debtor(%) i II known) SCHEDULE H - CODEBTORS (Continuation Sheet) NAME MD ADDRESS OF CODEBTOR NAME MD ADDRESS OF CREDITOR EFTA00603385 B6 Dada ragarMal-alNiakion ciRCH1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 20 of 26 IN RE Ross, Michael Robert Case No. op N O Debtor(s) DECLARATION CONCERNING DEBTOR'S SCHEDULES DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR I It klIV.21. I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of 20 sheets, and that they arc true and correct to the best of my knowledge, information, and belief. Date: December 7, 2012 Signature: Is/ Michael Robert Ron Date: Signature: Michael Robert Ross Debtot Debtor. Way> [If joint case, both spouses must sign.] DECLARATION AND SIGNATURE OF NON-ATTORNEY BANKRUPTCY PETITION PREPARER (See II U.S.C. § 110) I declare under penalty of perjury that: (1) I am a bankruptcy petition preparer as defined in II U.S.C. § 110: (2) I prepared this document for compensation and have provided the debtor with a copy of this document and the notices and information required under II U.S.C. §§ 110(b). 110(h). and 342 (b): and. (3) if rules or guidelines have been promulgated pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services chargeable by bankruptcy petition preparers. I have given the debtor notice of the maximum amount before preparing any document for filing for a debtor or accepting any fee from the debtor, as required by that section. Printed or Typed Name and Tide. if any. of Bankruptcy Petition Preparer Social Security No. (Required by II U.S.C. § 110.) If the bankruptcy petition preparer is not an individual, state the name, fide (if any) address, and social security number of the officer, principal. responsible person. or partner who signs the document. Address Signature of Bankruptcy Petition Preparer Date Names and Social Security numbers of all other individuals who prepared or assisted in preparing this document. unless the bankruptcy petition preparer is not an individual: If more than one person prepared this document, attach additional signed sheets conforming to the appropriate Official Form for each person. A bankruptcy petition preparer's failure to comply with the provision of fide 11 and the Federal Rules of Bankruptcy Procedure may result in fines or imprisonment or both. 11 U.S.C. § 110; 18 U.S.C. § 156. DECLARATION UNDER PENALTY OF PERJURY ON BEHALF OF CORPORATION OR PARTNERSHIP I, the (the president or other officer or an authorized agent of the corporation or a member or an authorized agent of the partnership) of the (corporation or partnership) named as debtor in this case, declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of sheets (total shown on summary page plus 1), and that they are true and correct to the best of my knowledge, information, and belief. Date: Signature: Mini or twe woe of alfroduall wen on Muir of MOO f An individual signing on behalf of a partnership or corporation must indicate position or relationship to debtor.1 Penalty for making a false statement or concealing property: Fine of up to 5500.000 or imprisonment for up to 5 ram or both. 18 U.S.C. H152 and 3571. EFTA00603386 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main (Official Form 8) (tm) Document Page 21 of 26 United States Bankruptcy Court District of New Jersey IN RE: Case No. Ross, Michael Robert Chapter 7 Del:aria) CHAPTER 7 INDIVIDUAL DEBTOR'S STATEMENT OF INTENTION PART A — Debts secured by property of the estate. (Pan A must be fully completed for EACH debt which is secured by property of the estate. Attach additional pages if necessary.) Property No. I z O E LE th 0 Creditor's Name: Describe Property Securing Debt: Property will be (check one): K Surrendered K Retained If retaining the property. I intend to (check at least one): K Redeem the property K Reaffirm the debt K Other. Explain Property is (check one): K Claimed as exempt K Not claimed as exempt (for example. avoid lien using I I U.S.C. § 522(f)). Property No. 2 (if necessary) Creditor's Name: Describe Property Securing Debt: Property will be (check one): K Surrendered K Retained If retaining the property. I intend to (check at least one): K Redeem the property K Reaffirm the debt K Other. Explain Property is (check one): K Claimed as exempt K Not claimed as exempt (for example, avoid lien using I I U.S.C. § 522(f)). PART B — Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease. Attach additional pages if necessary.) Property No. I Lessor's Name: John J. Marinan On Behalf Of Describe Leased Property: Residential Lease Lease will be assumed pursuant to I I U.S.C. § 365(p)(2): gYes K No Property No. 2 (if necessary) Lessor's Name: Describe Leased Property: Lease will be assumed pursuant to I I U.S.C. § 365(p)(2): K Yes K No continuation sheets attached (if any) I declare under penalty of perjury that the above indicates my intention as to any property of my estate securing a debt and/or personal property subject to an unexpired lease. Date: December 7, 2012 /s/ Michael Robert Ross Signature of Debtor Signature of Joint Debtor EFTA00603387 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 22 of 26 United States Bankruptcy Court District of New Jersey IN RE: Ross, Michael Robert Case No. Chapter 7 Debtor(s) VERIFICATION OF CREDITOR MATRIX The above named debtor(s) hereby verify(ies) that the attached matrix listing creditors is true to the best of my(our) knowledge. Date: December 7,2012 Signature: /s/ Michael Robert Ross Michael Robert Ross Debtor Date: Signature: Joint Debtor, if any 0 a EFTA00603388 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 23 of 26 Advanta Credit Cards PO Box 9217 Old Bethpage, NY 11804-9017 All Mixed Up 809 West Park Avenue Ocean Township, NJ 07712 American Express PO Box 981537 El Paso, TX 79998-1537 American Express C/O Jaffe & Asher LLP 117 Goffle Rd Hawthorne, NJ 07507 American Express P.O. Box 981537 El Paso, TX 79998 Amity Associates 375 Route 10 E, Suite 1R Randolph, NJ 07869 Bank Of America PO Box 15026 Wilmington, DE 19850-5026 Barry Associates LLC C/O Maggs & Mcdermott LLC 800 Old Bridge Rd Brielle, NJ 08730 EFTA00603389 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 24 of 26 Capital One PO Box 30281 Salt Lake City, UT 84130-0281 Capital One PO Box 30281 Salt Lake City, UT 84130 Cash Advance Corporation C/O Heitner & Breitstein 28 N Main Street Marlboro, NJ 07746 Cenlar FSB 425 Phillips Blvd Trenton, NJ 08618 Chase Auto PO Box 901076 Fort Worth, TX 76101 Chase Bank 11200 W. Parkland Ave P.O. Box 3139 Milwaukee, WI 53201 Chase Bank 11200 W Parkland Ave P.O. Box 3139 Milwaukee, WI 53201 Citifinancial 4500 New Linden Hill Road Wilmington, DE 19808-2922 EFTA00603390 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 25 of 26 David R Gentile, MD. C/O Amit Associates, LLC EOS CCA 700 Long Water Drive Norwell, MA 02061 GMAC Mortgage P.O. Box 4622 Waterloo, IA 50704 IC Systems Inc. P.O. Box 64378 Saint Paul, MN 55164 John J. Marinan On Behalf Of Howard J Poduska Trust Monmouth Medical Center C/O Healthcare Funding Solutions 4340 Monaco St., 2nd Floor Denver, CO 80237 NJ Natural Gas Co C/O Atlantic Advisors, Inc. 710 Mattison Avenue Po Box 841 Asbury Park, NJ 07712 Onyx Leasing Systems Inc. C/O Donna L Thom son EFTA00603391 Case 12-38702-KCF Doc 1 Filed 12/07/12 Entered 12/07/12 16:48:45 Desc Main Document Page 26 of 26 Sea Lect Wholesale Seafood C/O Edward P E stein Sovereign Bank 800 North Kings Highway Cherry Hill, NJ 08034 State Of New Jersey Division Of Taxation PO Box 245 Trenton, NJ 08695 State Of New Jersey Division Of Employer Accounts PO Box 913 Trenton, NJ 08695-0254 Valley National Bank 31-00 Broadway Fair Lawn, NJ 07410 Valley National Bank C/O Ostrowitz & Ostrowitz 225 Gordons Corner Rd Manalapan, NJ 07726 EFTA00603392