Richard Joseph Grant
Bankruptcy Court Docket Sheet

Northern District of Alabama (Bankruptcy)

2:2018-bk-00583 (alnb)

Chapter 7 Voluntary Petition for Individuals. Fee Amount $335 Filed by Richard Joseph Grant

Fill in this information to identify your case: United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA Case number (if known) Chapter you are filing under: Chapter 7 Chapter 11 Chapter 12 Chapter 13 Check if this an amended filing Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy 12/17 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 Richard your government-issued First name First name picture identification (for example, your driver's Joseph license or passport). Middle name Middle name Bring your picture identification to your Grant meeting with the trustee. 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 xxx-xx-3180 Individual Taxpayer Identification number (ITIN) Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 1 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 1 of 56 Debtor 1 Richard Joseph Grant 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 I have not used any business name or EINs. I have not used any business name or EINs. used in the last 8 years Include trade names and Business name(s) Business name(s) doing business as names EINs EINs 5. Where you live If Debtor 2 lives at a different address: 2040 Indian Crest Drive Pelham, AL 35124 Number, Street, City, State & ZIP Code Number, Street, City, State & ZIP Code Shelby County County If your mailing address is different from the one If Debtor 2's mailing address is different from yours, fill it above, fill it in here. Note that the court will send any in here. Note that the court will send any notices to this notices to you at this mailing address. 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 Check one: Check one: this district to file for bankruptcy Over the last 180 days before filing this petition, Over the last 180 days before filing this petition, I I have lived in this district longer than in any have lived in this district longer than in any other other district. district. I have another reason. I have another reason. Explain. (See 28 U.S.C. § 1408.) Explain. (See 28 U.S.C. § 1408.) Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 2 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 2 of 56 Debtor 1 Richard Joseph Grant Case number (if known) Part 2: Tell the Court About Your Bankruptcy Case 7. The chapter of the Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy Bankruptcy Code you are (Form 2010)). Also, go to the top of page 1 and check the appropriate box. choosing to file under 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 No. bankruptcy within the last 8 years? Yes. District When Case number District When Case number District When Case number 10. Are any bankruptcy No cases pending or being filed by a spouse who is Yes. not filing this case with you, or by a business partner, or by an affiliate? 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 No. Go to line 12. residence? Yes. Has your landlord obtained an eviction judgment against you? No. Go to line 12. Yes. Fill out Initial Statement About an Eviction Judgment Against You (Form 101A) and file it as part of this bankruptcy petition. Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 3 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 3 of 56 Debtor 1 Richard Joseph Grant 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 No. Go to Part 4. business? Yes. Name and location of business A sole proprietorship is a business you operate as Name of business, if any an individual, and is not a separate legal entity such as a corporation, partnership, or LLC. Number, Street, City, State & ZIP Code If you have more than one sole proprietorship, use a separate sheet and attach it to this petition. 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 If you are filing under Chapter 11, the court must know whether you are a small business debtor so that it can set appropriate Chapter 11 of the deadlines. If you indicate that you are a small business debtor, you must attach your most recent balance sheet, statement of Bankruptcy Code and are operations, cash-flow statement, and federal income tax return or if any of these documents do not exist, follow the procedure you a small business in 11 U.S.C. 1116(1)(B). debtor? No. I am not filing under Chapter 11. For a definition of small business debtor, see 11 No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy U.S.C. § 101(51D). 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 No. property that poses or is alleged to pose a threat Yes. of imminent and What is the hazard? identifiable hazard to public health or safety? Or do you own any property that needs If immediate attention is immediate attention? needed, why is it needed? For example, do you own perishable goods, or livestock that must be fed, Where is the property? or a building that needs urgent repairs? Number, Street, City, State & Zip Code Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 4 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 4 of 56 Debtor 1 Richard Joseph Grant 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 must check one: You must check one: you have received a I received a briefing from an approved credit I received a briefing from an approved credit briefing about credit counseling agency within the 180 days before I counseling agency within the 180 days before I filed counseling. filed this bankruptcy petition, and I received a this bankruptcy petition, and I received a certificate of certificate of completion. completion. The law requires that you receive a briefing about Attach a copy of the certificate and the payment Attach a copy of the certificate and the payment plan, if credit counseling before plan, if any, that you developed with the agency. any, that you developed with the agency. you file for bankruptcy. You must truthfully check I received a briefing from an approved credit I received a briefing from an approved credit one of the following counseling agency within the 180 days before I counseling agency within the 180 days before I filed choices. If you cannot do filed this bankruptcy petition, but I do not have this bankruptcy petition, but I do not have a certificate so, you are not eligible to a certificate of completion. of completion. file. Within 14 days after you file this bankruptcy Within 14 days after you file this bankruptcy petition, you If you file anyway, the court petition, you MUST file a copy of the certificate and MUST file a copy of the certificate and payment plan, if can dismiss your case, you payment plan, if any. any. will lose whatever filing fee you paid, and your I certify that I asked for credit counseling I certify that I asked for credit counseling services creditors can begin services from an approved agency, but was from an approved agency, but was unable to obtain collection activities again. unable to obtain those services during the 7 those services during the 7 days after I made my days after I made my request, and exigent request, and exigent circumstances merit a 30-day circumstances merit a 30-day temporary waiver temporary waiver of the requirement. of the requirement. To ask for a 30-day temporary waiver of the requirement, To ask for a 30-day temporary waiver of the attach a separate sheet explaining what efforts you made requirement, attach a separate sheet explaining to obtain the briefing, why you were unable to obtain it what efforts you made to obtain the briefing, why before you filed for bankruptcy, and what exigent you were unable to obtain it before you filed for circumstances required you to file this case. 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 Your case may be dismissed if the court is filed for bankruptcy. 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 If the court is satisfied with your reasons, you must receive a briefing within 30 days after you file. You must still receive a briefing within 30 days after you file. file a certificate from the approved agency, along with a You must file a certificate from the approved copy of the payment plan you developed, if any. If you do agency, along with a copy of the payment plan you not do so, your case may be dismissed. developed, if any. If you do not do so, your case Any extension of the 30-day deadline is granted only for may be dismissed. cause and is limited to a maximum of 15 days. 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 I am not required to receive a briefing about credit credit counseling because of: counseling because of: Incapacity. Incapacity. I have a mental illness or a mental deficiency I have a mental illness or a mental deficiency that that makes me incapable of realizing or makes me incapable of realizing or making rational making rational decisions about finances. decisions about finances. Disability. Disability. My physical disability causes me to be My physical disability causes me to be unable to unable to participate in a briefing in person, participate in a briefing in person, by phone, or by phone, or through the internet, even after I through the internet, even after I reasonably tried to reasonably tried to do so. do so. Active duty. Active duty. I am currently on active military duty in a I am currently on active military duty in a military military combat zone. combat zone. If you believe you are not required to receive a If you believe you are not required to receive a briefing briefing about credit counseling, you must file a about credit counseling, you must file a motion for waiver motion for waiver credit counseling with the court. of credit counseling with the court. Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 5 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 5 of 56 Debtor 1 Richard Joseph Grant Case number (if known) Part 6: Answer These Questions for Reporting Purposes 16. What kind of debts do 16a. Are your debts primarily consumer debts? Consumer debts are defined in 11 U.S.C. § 101(8) as "incurred by an you have? 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 No. I am not filing under Chapter 7. Go to line 18. Chapter 7? Do you estimate that Yes. I am filing under Chapter 7. Do you estimate that after any exempt property is excluded and administrative expenses after any exempt are paid that funds will be available to distribute to unsecured creditors? property is excluded and administrative expenses No are paid that funds will be available for Yes distribution to unsecured creditors? 18. How many Creditors do 1-49 1,000-5,000 25,001-50,000 you estimate that you 5001-10,000 50,001-100,000 owe? 50-99 100-199 10,001-25,000 More than100,000 200-999 19. How much do you $0 - $50,000 $1,000,001 - $10 million $500,000,001 - $1 billion estimate your assets to $10,000,001 - $50 million $1,000,000,001 - $10 billion be worth? $50,001 - $100,000 $100,001 - $500,000 $50,000,001 - $100 million $10,000,000,001 - $50 billion $500,001 - $1 million $100,000,001 - $500 million More than $50 billion 20. How much do you $0 - $50,000 $1,000,001 - $10 million $500,000,001 - $1 billion estimate your liabilities $10,000,001 - $50 million $1,000,000,001 - $10 billion to be? $50,001 - $100,000 $100,001 - $500,000 $50,000,001 - $100 million $10,000,000,001 - $50 billion $500,001 - $1 million $100,000,001 - $500 million 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/ Richard Joseph Grant Richard Joseph Grant Signature of Debtor 2 Signature of Debtor 1 Executed on February 12, 2018 Executed on MM / DD / YYYY MM / DD / YYYY Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 6 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 6 of 56 Debtor 1 Richard Joseph Grant Case number (if known) For your attorney, if you are I, the attorney for the debtor(s) named in this petition, declare that I have informed the debtor(s) about eligibility to proceed represented by one 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) If you are not represented by 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 an attorney, you do not need schedules filed with the petition is incorrect. to file this page. /s/ Brent W. Davis Date February 12, 2018 Signature of Attorney for Debtor MM / DD / YYYY Brent W. Davis ASB-5320-I45B Printed name Brent W. Davis & Associates, L.L.C. Firm name 2700 Rogers Drive Suite 106 Birmingham, AL 35209-2055 Number, Street, City, State & ZIP Code Contact phone 205-989-1919 Email address brent@brentwdavis.com ASB-5320-I45B AL Bar number & State Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 7 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 7 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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................................................................................................ $ 0.00 1b. Copy line 62, Total personal property, from Schedule A/B..................................................................................... $ 7,425.00 1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 7,425.00 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... $ 9,421.00 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............................ $ 58,205.91 Your total liabilities $ 67,626.91 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................................................................................ $ 1,658.00 5. Schedule J: Your Expenses (Official Form 106J) Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 2,301.00 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) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 8 of 56 Debtor 1 Richard Joseph Grant 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. $ 1,658.00 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) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 9 of 56 Fill in this information to identify your case and this filing: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse, if filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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? 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. 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 Current value of the Approximate mileage: Debtor 1 and Debtor 2 only entire property? portion you own? Other information: At least one of the debtors and another 1992 ford Explorer 198000 Check if this is community property $1,000.00 $1,000.00 (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 Current value of the Approximate mileage: Debtor 1 and Debtor 2 only entire property? portion you own? Other information: At least one of the debtors and another 2011 Nissan Maxima 45000 Check if this is community property $8,000.00 $4,000.00 (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 Official Form 106A/B Schedule A/B: Property page 1 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 10 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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.............................................................................=> $5,000.00 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..... furniture & appliances $1,200.00 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..... 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..... clothing $350.00 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..... Official Form 106A/B Schedule A/B: Property page 2 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 11 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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 .............................................................................. $1,550.00 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................................................................................................................ cash $25.00 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. Regions bank $350.00 17.2. Checking Regions bank $500.00 17.3. Regions Bank joint accoutn with adult son $0.00 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: Official Form 106A/B Schedule A/B: Property page 3 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 12 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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... beneficiary of a Trust, established by his decased parents, which owns the house in which Debtor resides. When Debtor's oldest son reaches the age of 35, the Trust corpus will pass to the son. $0.00 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....... 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.. Official Form 106A/B Schedule A/B: Property page 4 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 13 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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..................................................................................................................... $875.00 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. Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above 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 ...................................................................................................................... $0.00 56. Part 2: Total vehicles, line 5 $5,000.00 57. Part 3: Total personal and household items, line 15 $1,550.00 58. Part 4: Total financial assets, line 36 $875.00 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... $7,425.00 Copy personal property total $7,425.00 63. Total of all property on Schedule A/B. Add line 55 + line 62 $7,425.00 Official Form 106A/B Schedule A/B: Property page 5 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 14 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA Case number (if known) Check if this is an amended filing Official Form 106C Schedule C: The Property You Claim as Exempt 4/16 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 Current value of the Amount of the exemption you claim Specific laws that allow exemption Schedule A/B that lists this property portion you own Copy the value from Check only one box for each exemption. Schedule A/B furniture & appliances $1,200.00 $1,200.00 Ala. Code § 6-10-6 Line from Schedule A/B: 6.1 100% of fair market value, up to any applicable statutory limit clothing $350.00 $350.00 Ala. Code § 6-10-6 Line from Schedule A/B: 11.1 100% of fair market value, up to any applicable statutory limit cash $25.00 $25.00 Ala. Code § 6-10-6 Line from Schedule A/B: 16.1 100% of fair market value, up to any applicable statutory limit Regions bank $350.00 $350.00 Ala. Code § 6-10-6 Line from Schedule A/B: 17.1 100% of fair market value, up to any applicable statutory limit Checking: Regions bank $500.00 $500.00 Ala. Code § 6-10-6 Line from Schedule A/B: 17.2 100% 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 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 15 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 3. Are you claiming a homestead exemption of more than $160,375? (Subject to adjustment on 4/01/19 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 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 16 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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 Column A Column B Column C 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 Amount of claim Value of collateral Unsecured much as possible, list the claims in alphabetical order according to the creditor's name. Do not deduct the that supports this portion value of collateral. claim If any 2.1 Nicholas Financial Inc Describe the property that secures the claim: $9,421.00 $8,000.00 $1,421.00 Creditor's Name 2011 Nissan Maxima 45000 2454 Mcmullen-Booth Rd As of the date you file, the claim is: Check all that Bldg C apply. Clearwater, FL 33759 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 An agreement you made (such as mortgage or secured car loan) Debtor 2 only 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 Other (including a right to offset) Purchase Money Security community debt Opened 8/17/16 Last Active Date debt was incurred 1/31/18 Last 4 digits of account number 1873 Add the dollar value of your entries in Column A on this page. Write that number here: $9,421.00 If this is the last page of your form, add the dollar value totals from all pages. Write that number here: $9,421.00 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. Official Form 106D Schedule D: Creditors Who Have Claims Secured by Property page 1 of 1 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 17 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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. 2. List all of your priority unsecured claims. If a creditor has more than one priority unsecured claim, list the creditor separately for each claim. For each claim listed, identify what type of claim it is. If a claim has both priority and nonpriority amounts, list that claim here and show both priority and nonpriority amounts. As much as possible, list the claims in alphabetical order according to the creditor's name. If you have more than two priority unsecured claims, fill out the Continuation Page of Part 1. If more than one creditor holds a particular claim, list the other creditors in Part 3. (For an explanation of each type of claim, see the instructions for this form in the instruction booklet.) Total claim Priority Nonpriority amount amount see Redacte d SS# on 2.1 Internal Revenue Service Last 4 digits of account number petition Unknown $0.00 $0.00 Priority Creditor's Name CIO: Bankruptcy When was the debt incurred? all pre-petition POB 7346 Philadelphia, PA 19101-7346 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 Unliquidated Debtor 2 only Disputed Debtor 1 and Debtor 2 only Type of PRIORITY unsecured claim: At least one of the debtors and another Domestic support obligations Check if this claim is for a community debt Taxes and certain other debts you owe the government Is the claim subject to offset? Claims for death or personal injury while you were intoxicated No Other. Specify Wages, salaries, and commissions Yes Taxes Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 1 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com 24481 Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 18 of 56 Debtor 1 Richard Joseph Grant Case number (if know) see Redacte d SS# Internal Revenue Service TCS on 2.2 BHAM Last 4 digits of account number petition Unknown $0.00 $0.00 Priority Creditor's Name insolvency When was the debt incurred? all pre-petition 801 Tom Martin Drive Birmingham, AL 35211 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 Unliquidated Debtor 2 only Disputed Debtor 1 and Debtor 2 only Type of PRIORITY unsecured claim: At least one of the debtors and another Domestic support obligations Check if this claim is for a community debt Taxes and certain other debts you owe the government Is the claim subject to offset? Claims for death or personal injury while you were intoxicated No Other. Specify Wages, salaries, and commissions Yes Taxes see Redacte d SS# on 2.3 State of Ala Dept of Revenue Last 4 digits of account number petition Unknown $0.00 $0.00 Priority Creditor's Name POB 154 When was the debt incurred? all pre-petition Montgomery, AL 36135-0001 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 Unliquidated Debtor 2 only Disputed Debtor 1 and Debtor 2 only Type of PRIORITY unsecured claim: At least one of the debtors and another Domestic support obligations Check if this claim is for a community debt Taxes and certain other debts you owe the government Is the claim subject to offset? Claims for death or personal injury while you were intoxicated No Other. Specify Wages, salaries, and commissions Yes Taxes 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 Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 2 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 19 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.1 Afni Last 4 digits of account number 8966 $1,392.00 Nonpriority Creditor's Name Attn: Bankruptcy When was the debt incurred? Opened 06/17 Po Box 3097 Bloomington, IL 61702 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Collection Attorney At T Mobility 4.2 Amex Last 4 digits of account number 4733 $0.00 Nonpriority Creditor's Name Correspondence When was the debt incurred? Opened 01/05 Last Active 08/15 Po Box 981540 El Paso, TX 79998 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Credit Card 4.3 Capital One Last 4 digits of account number 0167 $0.00 Nonpriority Creditor's Name Attn: General Opened 01/05 Last Active Correspondence/Bankruptcy When was the debt incurred? 11/24/07 Po Box 30285 Salt Lake City, UT 84130 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Charge Account Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 3 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 20 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.4 Citicards Cbna Last 4 digits of account number 9232 $9,455.00 Nonpriority Creditor's Name Citicorp Credit Svc/Centralized Opened 08/11 Last Active Bankrupt When was the debt incurred? 8/25/16 Po Box 790040 Saint Louis, MO 63179 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Credit Card 4.5 Discover Financial Last 4 digits of account number 7457 $4,630.00 Nonpriority Creditor's Name Opened 09/10 Last Active Po Box 15316 When was the debt incurred? 7/21/16 Wilmington, DE 19850 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Credit Card 4.6 I C System Inc Last 4 digits of account number 1312 $1,409.00 Nonpriority Creditor's Name 444 Highway 96 East When was the debt incurred? Opened 12/17 P.O. Box 64378 St. Paul, MN 55164 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Collection Attorney Att U-Verse Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 4 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 21 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.7 Kohls/Capital One Last 4 digits of account number 9988 $2,658.00 Nonpriority Creditor's Name Kohls Credit Opened 08/08 Last Active Po Box 3043 When was the debt incurred? 12/21/17 Milwaukee, WI 53201 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Charge Account 4.8 Midland Funding Last 4 digits of account number 9195 $7,699.00 Nonpriority Creditor's Name Attn: Bankruptcy When was the debt incurred? Opened 10/16 Po Box 939069 San Diego, CA 92193 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Factoring Company Account Synchrony Bank 4.9 Midland Funding LLC Last 4 digits of account number 0472 $7,698.91 Nonpriority Creditor's Name c/o Holloway & Moxley PC When was the debt incurred? POB 4953 Montgomery, AL 36103 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Judgment Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 5 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 22 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.1 0 Mutal Svg Cu Last 4 digits of account number 0022 Unknown Nonpriority Creditor's Name Opened 7/22/08 Last Active Po Box 362045 When was the debt incurred? 7/09/13 Birmingham, AL 35236 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Automobile 4.1 1 Mutal Svg Cu Last 4 digits of account number 0001 $0.00 Nonpriority Creditor's Name Opened 12/08 Last Active Po Box 362045 When was the debt incurred? 12/09/09 Birmingham, AL 35236 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Unsecured 4.1 2 Mutal Svg Cu Last 4 digits of account number 0002 $0.00 Nonpriority Creditor's Name Opened 12/09 Last Active Po Box 362045 When was the debt incurred? 2/08/12 Birmingham, AL 35236 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Unsecured Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 6 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 23 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.1 3 Mutal Svg Cu Last 4 digits of account number 0020 $0.00 Nonpriority Creditor's Name Opened 08/06 Last Active Po Box 362045 When was the debt incurred? 8/29/11 Birmingham, AL 35236 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Automobile 4.1 4 Portfolio Recovery Last 4 digits of account number 2185 $3,587.00 Nonpriority Creditor's Name Po Box 41067 When was the debt incurred? Opened 05/16 Norfolk, VA 23541 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Factoring Company Account Citibank N.A. 4.1 5 Regions Bank Last 4 digits of account number 3378 $5,480.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 10/11 Last Active Po Box 10063 When was the debt incurred? 1/25/18 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Check Credit Or Line Of Credit Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 7 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 24 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.1 6 Regions Bank Last 4 digits of account number 5680 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 05/11 Last Active Po Box 10063 When was the debt incurred? 1/03/12 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Check Credit Or Line Of Credit 4.1 7 Regions Bank Last 4 digits of account number 0313 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 12/04 Last Active Po Box 10063 When was the debt incurred? 12/23/08 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Automobile 4.1 8 Regions Bank Last 4 digits of account number 1023 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 06/05 Last Active Po Box 10063 When was the debt incurred? 7/01/08 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Unsecured Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 8 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 25 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.1 9 Regions Bank Last 4 digits of account number 6076 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 07/13 Last Active Po Box 10063 When was the debt incurred? 1/24/14 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Deposit Related 4.2 0 Regions Bank Last 4 digits of account number 0527 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 06/11 Last Active Po Box 10063 When was the debt incurred? 7/11/12 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Deposit Related 4.2 1 Regions Bank Last 4 digits of account number 8080 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 09/10 Last Active Po Box 10063 When was the debt incurred? 6/07/11 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Deposit Related Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 9 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 26 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.2 2 Regions Bank Last 4 digits of account number 0828 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 07/12 Last Active Po Box 10063 When was the debt incurred? 7/26/13 Birmingham, AL 35244 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Deposit Related 4.2 3 Regions Bankcard Last 4 digits of account number 3916 $14,197.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 11/98 Last Active 1900 5th Ave N #300 When was the debt incurred? 8/15/16 Birmingham, AL 35203 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Credit Card 4.2 4 Synchrony Bank/ JC Penneys Last 4 digits of account number 7041 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 8/30/93 Last Active Po Box 965060 When was the debt incurred? 1/01/97 Orlando, FL 32896 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Charge Account Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 10 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 27 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.2 5 Synchrony Bank/Lowes Last 4 digits of account number 1566 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 10/19/05 Last Active Po Box 965060 When was the debt incurred? 8/10/15 Orlando, FL 32896 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Charge Account 4.2 6 Synchrony Bank/Sams Last 4 digits of account number 2848 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 6/16/04 Last Active Po Box 965060 When was the debt incurred? 10/10/08 Orlando, FL 32896 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Charge Account 4.2 7 Synchrony Bank/Walmart Last 4 digits of account number 4207 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 08/09 Last Active Po Box 965060 When was the debt incurred? 9/21/16 Orlando, FL 32896 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? 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 11 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 28 of 56 Debtor 1 Richard Joseph Grant Case number (if know) 4.2 8 Synchrony Bank/Walmart Last 4 digits of account number 9290 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 8/30/09 Last Active Po Box 965060 When was the debt incurred? 3/24/10 Orlando, FL 32896 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Credit Card 4.2 9 Synchrony Bank/Walmart Last 4 digits of account number 8760 $0.00 Nonpriority Creditor's Name Attn: Bankruptcy Opened 8/30/09 Last Active Po Box 965060 When was the debt incurred? 10/29/09 Orlando, FL 32896 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. Debtor 1 only Contingent 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 Student loans debt Obligations arising out of a separation agreement or divorce that you did not Is the claim subject to offset? report as priority claims No Debts to pension or profit-sharing plans, and other similar debts Yes Other. Specify Credit Card 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. 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 Priority. 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 6g. $ 0.00 Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 12 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 29 of 56 Debtor 1 Richard Joseph Grant Case number (if know) you did not report as priority claims 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 6i. here. $ 58,205.91 6j. Total Nonpriority. Add lines 6f through 6i. 6j. $ 58,205.91 Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 13 of 13 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 30 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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 State what the contract or lease is for Name, Number, Street, City, State and ZIP Code 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 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 31 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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 Column 2: The creditor to whom you owe the debt Name, Number, Street, City, State and ZIP Code 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 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 32 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant Debtor 2 (Spouse, if filing) United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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, Employed Employed attach a separate page with Employment status Not employed Not employed information about additional employers. Occupation Barber Include part-time, seasonal, or self-employed work. Employer's name self Occupation may include student Employer's address or homemaker, if it applies. How long employed there? 40 years 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 List monthly gross wages, salary, and commissions (before all payroll 2. deductions). If not paid monthly, calculate what the monthly wage would be. 2. $ 0.00 $ N/A 3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ N/A 4. Calculate gross Income. Add line 2 + line 3. 4. $ 0.00 $ N/A Official Form 106I Schedule I: Your Income page 1 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 33 of 56 Debtor 1 Richard Joseph Grant Case number (if known) For Debtor 1 For Debtor 2 or non-filing spouse Copy line 4 here 4. $ 0.00 $ N/A 5. List all payroll deductions: 5a. Tax, Medicare, and Social Security deductions 5a. $ 0.00 $ N/A 5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ N/A 5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ N/A 5d. Required repayments of retirement fund loans 5d. $ 0.00 $ N/A 5e. Insurance 5e. $ 0.00 $ N/A 5f. Domestic support obligations 5f. $ 0.00 $ N/A 5g. Union dues 5g. $ 0.00 $ N/A 5h. Other deductions. Specify: 5h.+ $ 0.00 + $ N/A 6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 0.00 $ N/A 7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 0.00 $ N/A 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. $ 956.00 $ N/A 8b. Interest and dividends 8b. $ 0.00 $ N/A 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 $ N/A 8d. Unemployment compensation 8d. $ 0.00 $ N/A 8e. Social Security 8e. $ 702.00 $ N/A 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 $ N/A 8g. Pension or retirement income 8g. $ 0.00 $ N/A 8h. Other monthly income. Specify: 8h.+ $ 0.00 + $ N/A 9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 1,658.00 $ N/A 10. Calculate monthly income. Add line 7 + line 9. 10. $ 1,658.00 + $ N/A = $ 1,658.00 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. Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it applies 12. $ 1,658.00 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 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 34 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant Check if this is: An amended filing Debtor 2 A supplement showing postpetition chapter (Spouse, if filing) 13 expenses as of the following date: United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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 Yes. Fill out this information for Dependent's relationship to Dependent's Does dependent Debtor 2. each dependent.............. Debtor 1 or Debtor 2 age live with you? Do not state the No dependents names. Yes No Yes No Yes No Yes 3. Do your expenses include No expenses of people other than yourself and your dependents? 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. $ 0.00 If not included in line 4: 4a. Real estate taxes 4a. $ 150.00 4b. Property, homeowner's, or renter's insurance 4b. $ 0.00 4c. Home maintenance, repair, and upkeep expenses 4c. $ 150.00 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 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 35 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 6. Utilities: 6a. Electricity, heat, natural gas 6a. $ 350.00 6b. Water, sewer, garbage collection 6b. $ 90.00 6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 85.00 6d. Other. Specify: gas 6d. $ 125.00 tv $ 59.00 internet $ 49.00 cell $ 155.00 7. Food and housekeeping supplies 7. $ 400.00 8. Childcare and children's education costs 8. $ 0.00 9. Clothing, laundry, and dry cleaning 9. $ 140.00 10. Personal care products and services 10. $ 0.00 11. Medical and dental expenses 11. $ 150.00 12. Transportation. Include gas, maintenance, bus or train fare. Do not include car payments. 12. $ 200.00 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. $ 0.00 15b. Health insurance 15b. $ 0.00 15c. Vehicle insurance 15c. $ 198.00 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. $ 2,301.00 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. $ 2,301.00 23. Calculate your monthly net income. 23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 1,658.00 23b. Copy your monthly expenses from line 22c above. 23b. -$ 2,301.00 23c. Subtract your monthly expenses from your monthly income. The result is your monthly net income. 23c. $ -643.00 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 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 36 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA 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/ Richard Joseph Grant X Richard Joseph Grant Signature of Debtor 2 Signature of Debtor 1 Date February 12, 2018 Date Official Form 106Dec Declaration About an Individual Debtor's Schedules Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 37 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA Case number (if known) Check if this is an amended filing Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy 4/16 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 Debtor 2 Prior Address: Dates Debtor 2 lived there 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 Gross income Sources of income Gross income Check all that apply. (before deductions and Check all that apply. (before deductions exclusions) and exclusions) For last calendar year: Wages, commissions, $6,153.00 Wages, commissions, (January 1 to December 31, 2017) bonuses, tips bonuses, tips Operating a business Operating a business Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 1 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 38 of 56 Debtor 1 Richard Joseph Grant Case number (if known) Debtor 1 Debtor 2 Sources of income Gross income Sources of income Gross income Check all that apply. (before deductions and Check all that apply. (before deductions exclusions) and exclusions) For the calendar year before that: Wages, commissions, $7,881.00 Wages, commissions, (January 1 to December 31, 2016) bonuses, tips bonuses, tips Operating a business Operating a business 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 Gross income from Sources of income Gross income Describe below. each source Describe below. (before deductions (before deductions and and exclusions) exclusions) For last calendar year: Social Security Benefits $7,309.00 (January 1 to December 31, 2017) For the calendar year before that: Social Security Benefits $7,099.00 (January 1 to December 31, 2016) 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 $6,425* or more? No. Go to line 7. Yes List below each creditor to whom you paid a total of $6,425* 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 4/01/19 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 Amount you Was this payment for ... paid still owe Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 2 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 39 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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 Amount you Reason for this payment paid still owe 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 Amount you Reason for this payment paid still owe 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 Nature of the case Court or agency Status of the case Case number 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. Go to line 11. Yes. Fill in the information below. Creditor Name and Address Describe the Property Date Value of the property Explain what happened 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 Amount taken 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 Describe the gifts Dates you gave Value per person the gifts Person to Whom You Gave the Gift and Address: Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 3 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 40 of 56 Debtor 1 Richard Joseph Grant 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 Describe what you contributed Dates you Value more than $600 contributed Charity's Name Address (Number, Street, City, State and ZIP Code) 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 Describe any insurance coverage for the loss Date of your Value of property how the loss occurred Include the amount that insurance has paid. List pending loss lost insurance claims on line 33 of Schedule A/B: Property. 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 Description and value of any property Date payment Amount of Address transferred or transfer was payment Email or website address made Person Who Made the Payment, if Not You Brent W. Davis, & Associates, L.L.C. See Compensation Statement of Attorney one day before $0.00 Two North Twentieth Street For Debtor for amount paid prior to filing. the filing of this Suite 1150 case Birmingham, AL 35203-4021 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 Description and value of any property Date payment Amount of Address transferred or transfer was payment made 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 Description and value of Describe any property or Date transfer was Address property transferred payments received or debts made paid in exchange Person's relationship to you Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 4 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 41 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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 Last 4 digits of Type of account or Date account was Last balance Address (Number, Street, City, State and ZIP account number instrument closed, sold, before closing or Code) moved, or transfer transferred 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 Who else had access to it? Describe the contents Do you still Address (Number, Street, City, State and ZIP Code) Address (Number, Street, City, have it? State and ZIP Code) 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 Who else has or had access Describe the contents Do you still Address (Number, Street, City, State and ZIP Code) to it? have it? Address (Number, Street, City, State and ZIP Code) 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 Where is the property? Describe the property Value Address (Number, Street, City, State and ZIP Code) (Number, Street, City, State and ZIP Code) 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 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. Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 5 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 42 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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 Governmental unit Environmental law, if you Date of notice Address (Number, Street, City, State and ZIP Code) Address (Number, Street, City, State and know it ZIP Code) 25. Have you notified any governmental unit of any release of hazardous material? No Yes. Fill in the details. Name of site Governmental unit Environmental law, if you Date of notice Address (Number, Street, City, State and ZIP Code) Address (Number, Street, City, State and know it ZIP Code) 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 Court or agency Nature of the case Status of the Case Number Name case Address (Number, Street, City, State and ZIP Code) 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 Describe the nature of the business Employer Identification number Address Do not include Social Security number or ITIN. (Number, Street, City, State and ZIP Code) Name of accountant or bookkeeper 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 Date Issued Address (Number, Street, City, State and ZIP Code) Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 6 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 43 of 56 Debtor 1 Richard Joseph Grant Case number (if known) 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 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/ Richard Joseph Grant Richard Joseph Grant Signature of Debtor 2 Signature of Debtor 1 Date February 12, 2018 Date 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 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 44 of 56 Fill in this information to identify your case: Debtor 1 Richard Joseph Grant First Name Middle Name Last Name Debtor 2 (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: NORTHERN DISTRICT OF ALABAMA Case number (if known) Check if this is an amended filing Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 12/15 If you are an individual filing under chapter 7, you must fill out this form if: creditors have claims secured by your property, or you have leased personal property and the lease has not expired. You must file this form with the court within 30 days after you file your bankruptcy petition or by the date set for the meeting of creditors, whichever is earlier, unless the court extends the time for cause. You must also send copies to the creditors and lessors you list on the form If two married people are filing together in a joint case, both are equally responsible for supplying correct information. Both debtors must sign and date the form. Be as complete and accurate as possible. 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). Part 1: List Your Creditors Who Have Secured Claims 1. For any creditors that you listed in Part 1 of Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D), fill in the information below. Identify the creditor and the property that is collateral What do you intend to do with the property that Did you claim the property secures a debt? as exempt on Schedule C? Creditor's Nicholas Financial Inc Surrender the property. No name: Retain the property and redeem it. Retain the property and enter into a Yes Description of 2011 Nissan Maxima 45000 Reaffirmation Agreement. property Retain the property and [explain]: securing debt: Part 2: List Your Unexpired Personal Property Leases For any unexpired personal property lease that you listed in Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G), fill in the information below. Do not list real estate leases. Unexpired leases are leases that are still in effect; the lease period has not yet ended. You may assume an unexpired personal property lease if the trustee does not assume it. 11 U.S.C. § 365(p)(2). Describe your unexpired personal property leases Will the lease be assumed? Lessor's name: No Description of leased Property: Yes Lessor's name: No Description of leased Property: Yes Lessor's name: No Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 1 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 45 of 56 Debtor 1 Richard Joseph Grant Case number (if known) Description of leased Property: Yes Lessor's name: No Description of leased Property: Yes Lessor's name: No Description of leased Property: Yes Lessor's name: No Description of leased Property: Yes Lessor's name: No Description of leased Property: Yes Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 2 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 46 of 56 Debtor 1 Richard Joseph Grant Case number (if known) Part 3: Sign Below Under penalty of perjury, I declare that I have indicated my intention about any property of my estate that secures a debt and any personal property that is subject to an unexpired lease. X /s/ Richard Joseph Grant X Richard Joseph Grant Signature of Debtor 2 Signature of Debtor 1 Date February 12, 2018 Date Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 3 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 47 of 56 Fill in this information to identify your case: Check one box only as directed in this form and in Form 122A-1Supp: Debtor 1 Richard Joseph Grant Debtor 2 1. There is no presumption of abuse (Spouse, if filing) United States Bankruptcy Court for the: Northern District of Alabama 2. The calculation to determine if a presumption of abuse applies will be made under Chapter 7 Means Test Calculation (Official Form 122A-2). Case number (if known) 3. The Means Test does not apply now because of qualified military service but it could apply later. Check if this is an amended filing Official Form 122A - 1 Chapter 7 Statement of Your Current Monthly Income 12/15 Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for being accurate. If more space is needed, attach a separate sheet to this form. Include the line number to which the additional information applies. On the top of any additional pages, write your name and case number (if known). If you believe that you are exempted from a presumption of abuse because you do not have primarily consumer debts or because of qualifying military service, complete and file Statement of Exemption from Presumption of Abuse Under § 707(b)(2) (Official Form 122A-1Supp) with this form. Part 1: Calculate Your Current Monthly Income 1. What is your marital and filing status? Check one only. Not married. Fill out Column A, lines 2-11. Married and your spouse is filing with you. Fill out both Columns A and B, lines 2-11. Married and your spouse is NOT filing with you. You and your spouse are: Living in the same household and are not legally separated. Fill out both Columns A and B, lines 2-11. Living separately or are legally separated. Fill out Column A, lines 2-11; do not fill out Column B. By checking this box, you declare under penalty of perjury that you and your spouse are legally separated under nonbankruptcy law that applies or that you and your spouse are living apart for reasons that do not include evading the Means Test requirements. 11 U.S.C § 707(b)(7)(B). Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this bankruptcy case. 11 U.S.C. § 101(10A). For example, if you are filing on September 15, the 6-month period would be March 1 through August 31. If the amount of your monthly income varied during the 6 months, add the income for all 6 months and divide the total by 6. Fill in the result. Do not include any income amount more than once. For example, if both spouses own the same rental property, put the income from that property in one column only. If you have nothing to report for any line, write $0 in the space. Column A Column B Debtor 1 Debtor 2 or non-filing spouse 2. Your gross wages, salary, tips, bonuses, overtime, and commissions (before all payroll deductions). $ 956.00 $ 3. Alimony and maintenance payments. Do not include payments from a spouse if Column B is filled in. $ 0.00 $ 4. All amounts from any source which are regularly paid for household expenses of you or your dependents, including child support. Include regular contributions from an unmarried partner, members of your household, your dependents, parents, and roommates. Include regular contributions from a spouse only if Column B is not filled in. Do not include payments you listed on line 3. $ 0.00 $ 5. Net income from operating a business, profession, or farm Debtor 1 Gross receipts (before all deductions) $ 0.00 Ordinary and necessary operating expenses -$ 0.00 Net monthly income from a business, profession, or farm $ 0.00 Copy here -> $ 0.00 $ 6. Net income from rental and other real property Debtor 1 Gross receipts (before all deductions) $ 0.00 Ordinary and necessary operating expenses -$ 0.00 Net monthly income from rental or other real property $ 0.00 Copy here -> $ 0.00 $ $ 0.00 $ 7. Interest, dividends, and royalties Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 1 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 48 of 56 Debtor 1 Richard Joseph Grant Case number (if known) Column A Column B Debtor 1 Debtor 2 or non-filing spouse 8. Unemployment compensation $ 0.00 $ Do not enter the amount if you contend that the amount received was a benefit under the Social Security Act. Instead, list it here: For you $ 0.00 For your spouse $ 9. Pension or retirement income. Do not include any amount received that was a benefit under the Social Security Act. $ 702.00 $ 10. Income from all other sources not listed above. Specify the source and amount. Do not include any benefits received under the Social Security Act or payments received as a victim of a war crime, a crime against humanity, or international or domestic terrorism. If necessary, list other sources on a separate page and put the total below. . $ 0.00 $ $ 0.00 $ Total amounts from separate pages, if any. + $ 0.00 $ 11. Calculate your total current monthly income. Add lines 2 through 10 for each column. Then add the total for Column A to the total for Column B. $ 1,658.00 + $ = $ 1,658.00 Total current monthly income Part 2: Determine Whether the Means Test Applies to You 12. Calculate your current monthly income for the year. Follow these steps: 12a. Copy your total current monthly income from line 11 Copy line 11 here=> $ 1,658.00 Multiply by 12 (the number of months in a year) x 12 12b. The result is your annual income for this part of the form 12b. $ 19,896.00 13. Calculate the median family income that applies to you. Follow these steps: Fill in the state in which you live. AL Fill in the number of people in your household. 2 Fill in the median family income for your state and size of household. 13. $ 53,206.00 To find a list of applicable median income amounts, go online using the link specified in the separate instructions for this form. This list may also be available at the bankruptcy clerk's office. 14. How do the lines compare? 14a. Line 12b is less than or equal to line 13. On the top of page 1, check box 1, There is no presumption of abuse. Go to Part 3. 14b. Line 12b is more than line 13. On the top of page 1, check box 2, The presumption of abuse is determined by Form 122A-2. Go to Part 3 and fill out Form 122A-2. Part 3: Sign Below By signing here, I declare under penalty of perjury that the information on this statement and in any attachments is true and correct. X /s/ Richard Joseph Grant Richard Joseph Grant Signature of Debtor 1 Date February 12, 2018 MM / DD / YYYY If you checked line 14a, do NOT fill out or file Form 122A-2. If you checked line 14b, fill out Form 122A-2 and file it with this form. Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 2 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 49 of 56 Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) Chapter 7: Liquidation This notice is for you if: $245 filing fee You are an individual filing for bankruptcy, and $75 administrative fee Your debts are primarily consumer debts. + $15 trustee surcharge Consumer debts are defined in 11 U.S.C. § 101(8) as "incurred by an individual $335 total fee primarily for a personal, family, or household purpose." Chapter 7 is for individuals who have financial difficulty preventing them from paying their debts and who are willing to allow their nonexempt The types of bankruptcy that are available to property to be used to pay their creditors. The individuals primary purpose of filing under chapter 7 is to have your debts discharged. The bankruptcy discharge Individuals who meet the qualifications may file under relieves you after bankruptcy from having to pay one of four different chapters of Bankruptcy Code: many of your pre-bankruptcy debts. Exceptions exist for particular debts, and liens on property may still Chapter 7 - Liquidation be enforced after discharge. For example, a creditor may have the right to foreclose a home mortgage or Chapter 11 - Reorganization repossess an automobile. Chapter 12 - Voluntary repayment plan However, if the court finds that you have committed for family farmers or certain kinds of improper conduct described in the fishermen Bankruptcy Code, the court may deny your discharge. Chapter 13 - Voluntary repayment plan for individuals with regular You should know that even if you file chapter 7 and income you receive a discharge, some debts are not discharged under the law. Therefore, you may still be responsible to pay: You should have an attorney review your decision to file for bankruptcy and the choice of most taxes; chapter. most student loans; domestic support and property settlement obligations; Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 1 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 50 of 56 most fines, penalties, forfeitures, and criminal your income is more than the median income for your restitution obligations; and state of residence and family size, depending on the results of the Means Test, the U.S. trustee, bankruptcy certain debts that are not listed in your bankruptcy administrator, or creditors can file a motion to dismiss papers. your case under § 707(b) of the Bankruptcy Code. If a motion is filed, the court will decide if your case should You may also be required to pay debts arising from: be dismissed. To avoid dismissal, you may choose to proceed under another chapter of the Bankruptcy fraud or theft; Code. fraud or defalcation while acting in breach of If you are an individual filing for chapter 7 bankruptcy, fiduciary capacity; the trustee may sell your property to pay your debts, subject to your right to exempt the property or a portion intentional injuries that you inflicted; and of the proceeds from the sale of the property. The property, and the proceeds from property that your death or personal injury caused by operating a bankruptcy trustee sells or liquidates that you are motor vehicle, vessel, or aircraft while intoxicated entitled to, is called exempt property. Exemptions may from alcohol or drugs. enable you to keep your home, a car, clothing, and household items or to receive some of the proceeds if If your debts are primarily consumer debts, the court the property is sold. can dismiss your chapter 7 case if it finds that you have enough income to repay creditors a certain amount. Exemptions are not automatic. To exempt property, You must file Chapter 7 Statement of Your Current you must list it on Schedule C: The Property You Claim Monthly Income (Official Form 122A–1) if you are an as Exempt (Official Form 106C). If you do not list the individual filing for bankruptcy under chapter 7. This property, the trustee may sell it and pay all of the form will determine your current monthly income and proceeds to your creditors. 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, Chapter 11: Reorganization the Chapter 7 Means Test Calculation (Official Form 122A–2). $1,167 filing fee If your income is above the median for your state, you must file a second form —the Chapter 7 Means Test + $550 administrative fee Calculation (Official Form 122A–2). The calculations on $1,717 total fee the form— sometimes called the Means Test—deduct from your income living expenses and payments on Chapter 11 is often used for reorganizing a business, certain debts to determine any amount available to pay but is also available to individuals. The provisions of unsecured creditors. If 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 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 51 of 56 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. Under chapter 13, you must file with the court a plan Chapter 12: Repayment plan for family to repay your creditors all or part of the money that farmers or fishermen 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 $200 filing fee years or 5 years, depending on your income and other + $75 administrative fee factors. $275 total fee After you make all the payments under your plan, Similar to chapter 13, chapter 12 permits family farmers many of your debts are discharged. The debts that are and fishermen to repay their debts over a period of time not discharged and that you may still be responsible to using future earnings and to discharge some debts that pay include: are not paid. domestic support obligations, most student loans, Chapter 13: Repayment plan for individuals with regular certain taxes, income debts for fraud or theft, $235 filing fee debts for fraud or defalcation while acting in a + $75 administrative fee fiduciary capacity, $310 total fee most criminal fines and restitution obligations, Chapter 13 is for individuals who have regular income and would like to pay all or part of their debts in certain debts that are not listed in your installments over a period of time and to discharge bankruptcy papers, some debts that are not paid. You are eligible for chapter 13 only if your debts are not more than certain certain debts for acts that caused death or dollar amounts set forth in 11 U.S.C. § 109. personal injury, and certain long-term secured debts. Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 3 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 52 of 56 A married couple may file a bankruptcy case Warning: File Your Forms on Time together—called a joint case. If you file a joint case and each spouse lists the same mailing address on the Section 521(a)(1) of the Bankruptcy Code requires that bankruptcy petition, the bankruptcy court generally will you promptly file detailed information about your mail you and your spouse one copy of each notice, creditors, assets, liabilities, income, expenses and unless you file a statement with the court asking that general financial condition. The court may dismiss your each spouse receive separate copies. bankruptcy case if you do not file this information within the deadlines set by the Bankruptcy Code, the Understand which services you could receive from Bankruptcy Rules, and the local rules of the court. credit counseling agencies For more information about the documents and The law generally requires that you receive a credit their deadlines, go to: counseling briefing from an approved credit counseling http://www.uscourts.gov/bkforms/bankruptcy_form agency. 11 U.S.C. § 109(h). If you are filing a joint s.html#procedure. 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 Bankruptcy crimes have serious consequences briefing is usually conducted by telephone or on the Internet. If you knowingly and fraudulently conceal assets or make a false oath or statement under penalty In addition, after filing a bankruptcy case, you generally of perjury—either orally or in writing—in must complete a financial management instructional connection with a bankruptcy case, you may be course before you can receive a discharge. If you are fined, imprisoned, or both. filing a joint case, both spouses must complete the course. All information you supply in connection with a bankruptcy case is subject to examination by the You can obtain the list of agencies approved to provide Attorney General acting through the Office of the both the briefing and the instructional course from: U.S. Trustee, the Office of the U.S. Attorney, and http://justice.gov/ust/eo/hapcpa/ccde/cc_approved.html other offices and employees of the U.S. . Department of Justice. In Alabama and North Carolina, go to: Make sure the court has your mailing address http://www.uscourts.gov/FederalCourts/Bankruptcy/ BankruptcyResources/ApprovedCredit The bankruptcy court sends notices to the mailing AndDebtCounselors.aspx. address you list on Voluntary Petition for Individuals Filing for Bankruptcy (Official Form 101). To ensure If you do not have access to a computer, the clerk of that you receive information about your case, the bankruptcy court may be able to help you obtain Bankruptcy Rule 4002 requires that you notify the court the list. of any changes in your address. Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 4 Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 53 of 56 B2030 (Form 2030) (12/15) United States Bankruptcy Court Northern District of Alabama In re Richard Joseph Grant Case No. Debtor(s) Chapter 7 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 $ 700.00 Prior to the filing of this statement I have received $ 700.00 Balance Due $ 0.00 2. $ 335.00 of the filing fee has been paid. 3. The source of the compensation paid to me was: Debtor Other (specify): 4. The source of compensation to be paid to me is: Debtor Other (specify): 5. 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. 6. In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including: a. Representation of the debtor in adversary proceedings and other contested bankruptcy matters; b. [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. 7. 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. February 12, 2018 /s/ Brent W. Davis Date Brent W. Davis ASB-5320-I45B Signature of Attorney Brent W. Davis & Associates, L.L.C. 2700 Rogers Drive Suite 106 Birmingham, AL 35209-2055 205-989-1919 Fax: 1-866-825-8756 brent@brentwdavis.com Name of law firm Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 54 of 56 United States Bankruptcy Court Northern District of Alabama In re Richard Joseph Grant Case No. Debtor(s) Chapter 7 VERIFICATION OF CREDITOR MATRIX The above-named Debtor hereby verifies that the attached list of creditors is true and correct to the best of his/her knowledge. Date: February 12, 2018 /s/ Richard Joseph Grant Richard Joseph Grant Signature of Debtor Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 55 of 56 } b k 1 { C r e d i t o A s M a x Nicholas Financial Inc I C System Inc Synchrony Bank/Lowes 2454 Mcmullen-Booth Rd Bldg C 444 Highway 96 East Attn: Bankruptcy Clearwater, FL 33759 P.O. Box 64378 Po Box 965060 St. Paul, MN 55164 Orlando, FL 32896 Internal Revenue Service Kohls/Capital One Synchrony Bank/Sams CIO: Bankruptcy Kohls Credit Attn: Bankruptcy POB 7346 Po Box 3043 Po Box 965060 Philadelphia, PA 19101-7346 Milwaukee, WI 53201 Orlando, FL 32896 Internal Revenue Service TCS BHAM Midland Funding Synchrony Bank/Walmart insolvency Attn: Bankruptcy Attn: Bankruptcy 801 Tom Martin Drive Po Box 939069 Po Box 965060 Birmingham, AL 35211 San Diego, CA 92193 Orlando, FL 32896 State of Ala Dept of Revenue Midland Funding LLC POB 154 c/o Holloway & Moxley PC Montgomery, AL 36135-0001 POB 4953 Montgomery, AL 36103 Afni Mutal Svg Cu Attn: Bankruptcy Po Box 362045 Po Box 3097 Birmingham, AL 35236 Bloomington, IL 61702 Amex Portfolio Recovery Correspondence Po Box 41067 Po Box 981540 Norfolk, VA 23541 El Paso, TX 79998 Capital One Regions Bank Attn: General Correspondence/Bankruptcy Attn: Bankruptcy Po Box 30285 Po Box 10063 Salt Lake City, UT 84130 Birmingham, AL 35244 Citicards Cbna Regions Bankcard Citicorp Credit Svc/Centralized Bankrupt Attn: Bankruptcy Po Box 790040 1900 5th Ave N #300 Saint Louis, MO 63179 Birmingham, AL 35203 Discover Financial Synchrony Bank/ JC Penneys Po Box 15316 Attn: Bankruptcy Wilmington, DE 19850 Po Box 965060 Orlando, FL 32896 Case 18-00583-7 Doc 1 Filed 02/13/18 Entered 02/13/18 14:39:37 Desc Main Document Page 56 of 56

Certificate of Credit Counseling for Debtor Filed by Debtor Richard Joseph Grant.

Certificate Number: 20182122008 CERTIFICATE OF CREDIT COUNSELING I certify that on 02/12/2018, Richard Grant received from Abacus Credit Counseling, an agency approved pursuant to 11 U.S.C. § 111 to provide credit counseling in the Northern District of Alabama, an individual [or group] briefing that complied with the provisions of 11 U.S.C. §§ 109(h) and 111. A debt repayment plan was not prepared. If a debt repayment plan was prepared, a copy of the debt repayment plan is attached to this certificate. This counseling session was conducted by phone. Date: February 12, 2018 By: /s/Laura M Ahart Name: Laura M Ahart Title: Credit Counselor * Individuals who wish to file a bankruptcy case under title 11 of the United States Bankruptcy Code are required to file with the United States Bankruptcy Court a completed certificate of counseling from the nonprofit budget and credit counseling agency that provided the individual the counseling services and a copy of the debt repayment plan, if any, developed through the credit counseling agency. See 11 U.S.C. §§ 109(h) and 521(b). Case 18-00583-7 Doc 3 Filed 02/13/18 Entered 02/13/18 14:40:07 Desc Main Document Page 1 of 1

Employee Income Records Filed by Debtor Richard Joseph Grant.

United States Bankruptcy Court Northern District of Alabama In re Richard Joseph Grant Case No. Chapter | 7 Debtor (s) PAYMENT ADVICES COVER SHEET UNDER 11U.S. C. S 521 (a) (1) (B) (iv) I, Richard Joseph Grant, declare under penalty of perjury that the foregoing is true and correct (CHECK ONE OF THESE BOXES): I have not been employed by any employer within the 60 days before the date of the filing of the petition. O O R O I was employed by an employer within 60 days before the date I filed my bankruptcy petition, but I have not received payment advices or other evidence of payment because I have received payment advices or other evidence of payment within 60 days before the date I filed my bankruptcy petition from any employer, and they are attached. Date February 12, 2018 sonstare geled. mort kel Signature / dol Richard Joseph Grant Debtor Software Copyright (c) 1996 - 2017 Best Case, LLC - www. bestcase. com Best Case Bankruptcy Case 18 - 00583 - 7 Doc 4 Filed 02 / 13 / 18 Entered 02 / 13 / 18 14: 40: 20 Desc Main Document Page 1 of 1

Meeting of Creditors with 341(a) meeting to be held on 03/12/2018 at 09:00 AM at Creditor Meeting Room Birmingham. Objections for Discharge due by 05/11/2018.

Information to identify the case: Debtor 1 Richard Joseph Grant Social Security number or ITIN xxx−xx−3180 First Name Middle Name Last Name EIN _ _−_ _ _ _ _ _ _ Debtor 2 Social Security number or ITIN _ _ _ _ First Name Middle Name Last Name (Spouse, if filing) EIN _ _−_ _ _ _ _ _ _ UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ALABAMA, SOUTHERN DIVISION Date case filed for chapter 7 2/13/18 Case number: 18−00583−DSC7 Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline 12/15 For the debtors listed above, a case has been filed under chapter 7 of the Bankruptcy Code. An order for relief has been entered. This notice has important information about the case for creditors, debtors, and trustees, including information about the meeting of creditors and deadlines. Read both pages carefully. The filing of the case imposed an automatic stay against most collection activities. This means that creditors generally may not take action to collect debts from the debtors or the debtors' property. For example, while the stay is in effect, creditors cannot sue, garnish wages, assert a deficiency, repossess property, or otherwise try to collect from the debtors. Creditors cannot demand repayment from debtors by mail, phone, or otherwise. Creditors who violate the stay can be required to pay actual and punitive damages and attorney's fees. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although debtors can ask the court to extend or impose a stay. The debtors are seeking a discharge. Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office within the deadlines specified in this notice. (See line 9 for more information.) To protect your rights, consult an attorney. All documents filed in the case may be inspected at the bankruptcy clerk's office at the address listed below or through PACER (Public Access to Court Electronic Records at www.pacer.gov). The staff of the bankruptcy clerk's office cannot give legal advice. To help creditors correctly identify debtors, debtors submit full Social Security or Individual Taxpayer Identification Numbers, which may appear on a version of this notice. However, the full numbers must not appear on any document filed with the court. Do not file this notice with any proof of claim or other filing in the case. Do not include more than the last four digits of a Social Security or Individual Taxpayer Identification Number in any document, including attachments, that you file with the court. About Debtor 1: About Debtor 2: 1. Debtor's full name Richard Joseph Grant 2. All other names used in the last 8 years 3. Address 2040 Indian Crest Drive Pelham, AL 35124 4. Debtor's attorney Brent William Davis Contact phone 205−989−1919 Brent W. Davis & Associates, L.L.C. Name and address 2700 Rogers Drive Email: brent@brentwdavis.com Suite 106 Homewood, AL 35209−2055 5. Bankruptcy trustee James G Henderson Contact phone 205 328−9190 1210 Financial Center Name and address 505 N. 20th Street Birmingham, AL 35203−4662 For more information, see page 2 > Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 1 Case 18-00583-DSC7 Doc 5 Filed 02/13/18 Entered 02/13/18 15:00:01 Desc Ch 7 First Mtg I/J No POC Page 1 of 2 Debtor Richard Joseph Grant Case number 18−00583−DSC7 6. Bankruptcy clerk's office Robert S. Vance Federal Building Hours open: 1800 5th Avenue North Documents in this case may be filed at this Birmingham, AL 35203 8:00 a.m. − 4:00 p.m. address. You may inspect all records filed Monday−Friday in this case at this office or online at www.pacer.gov. Contact phone 205−714−4000 Date: 2/13/18 7. Meeting of creditors March 12, 2018 at 09:00 AM Location: Debtors must attend the meeting to be The meeting may be continued or adjourned to a Robert S. Vance Federal questioned under oath. In a joint case, later date. If so, the date will be on the court Building, 1800 5th Avenue North, both spouses must attend. Creditors may attend, but are not required to do so. docket. Birmingham, AL 35203 8. Presumption of abuse The presumption of abuse does not arise. If the presumption of abuse arises, you may have the right to file a motion to dismiss the case under 11 U.S.C. § 707(b). Debtors may rebut the presumption by showing special circumstances. 9. Deadlines File by the deadline to object to discharge or Filing deadline: 5/11/18 to challenge whether certain debts are The bankruptcy clerk's office must receive dischargeable: these documents and any required filing fee by the following deadlines. You must file a complaint: • if you assert that the debtor is not entitled to receive a discharge of any debts under any of the subdivisions of 11 U.S.C. § 727(a)(2) through (7), or • if you want to have a debt excepted from discharge under 11 U.S.C § 523(a)(2), (4), or (6). You must file a motion: • if you assert that the discharge should be denied under § 727(a)(8) or (9). Deadline to object to exemptions: Filing deadline: 30 days after the The law permits debtors to keep certain property as conclusion of the meeting of creditors exempt. If you believe that the law does not authorize an exemption claimed, you may file an objection. 10. Proof of claim No property appears to be available to pay creditors. Therefore, please do not file a proof of claim now. If it later appears that assets are available to pay creditors, the clerk Please do not file a proof of claim unless will send you another notice telling you that you may file a proof of claim and stating the you receive a notice to do so. deadline. 11. Creditors with a foreign address If you are a creditor receiving a notice mailed to a foreign address, you may file a motion asking the court to extend the deadlines in this notice. Consult an attorney familiar with United States bankruptcy law if you have any questions about your rights in this case. 12. Exempt property The law allows debtors to keep certain property as exempt. Fully exempt property will not be sold and distributed to creditors. Debtors must file a list of property claimed as exempt. You may inspect that list at the bankruptcy clerk's office or online at www.pacer.gov. If you believe that the law does not authorize an exemption that the debtors claim, you may file an objection. The bankruptcy clerk's office must receive the objection by the deadline to object to exemptions in line 9. Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 2 Case 18-00583-DSC7 Doc 5 Filed 02/13/18 Entered 02/13/18 15:00:01 Desc Ch 7 First Mtg I/J No POC Page 2 of 2

Notice of Requirement to Complete Course in Financial Management (Admin adiuser)

Def−005 [Notice to File Certification] (Rev. 12/15) UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ALABAMA, SOUTHERN DIVISION In re: Case No. 18−00583−DSC7 Richard Joseph Grant Chapter 7 SSN: xxx−xx−3180 Debtor(s) NOTICE OF REQUIREMENT TO FILE A CERTIFICATION ABOUT A FINANCIAL MANAGEMENT COURSE (Official Form 423) Notice is hereby given that, subject to limited exceptions, a Debtor must complete an instructional course in personal financial management in order to receive a discharge under chapter 7 (11 U.S.C. § 727) or chapter 13 (11 U.S.C. § 1328). Generally, financial course providers will file a certificate with the Court to indicate that the Debtor has completed the course. If the course provider fails to file the certificate, a Debtor must complete and file Certification About a Financial Management Course (Official Form 423) pursuant to Federal Rule of Bankruptcy Procedure 1007(b)(7). If Rule 1007(b)(7) requires a Debtor to file Official Form 423 and a Debtor fails to do so, the Court will not enter a discharge and will close the case. If a Debtor subsequently files a Motion to Reopen the Case to allow for the filing of the Official Form 423, the full reopening fee must be paid for filing the motion, and the fee cannot be waived. Depending on the circumstances, the Court may order the Debtor's attorney to pay the reopening fee instead of the Debtor. Dated: February 14, 2018 By: Joseph E. Bulgarella, Clerk United States Bankruptcy Court Case 18-00583-DSC7 Doc 6 Filed 02/14/18 Entered 02/14/18 02:00:03 Desc Ntc to File Stmt of Completion Page 1 of 1

Order Appointing Trustee. James G Henderson added to the case. Signed on 2/14/2018.

Trn−501 [Order Appointing Interim Trustee] (Rev. 09/15) United States Bankruptcy Court NORTHERN DISTRICT OF ALABAMA, SOUTHERN DIVISION In re: Case No. 18−00583−DSC7 Richard Joseph Grant Chapter 7 SSN: xxx−xx−3180 Debtor(s) ORDER APPOINTING INTERIM TRUSTEE AND APPROVING STANDING BOND It is ORDERED and notice is hereby given that: 1. The following interim trustee is hereby appointed, and the trustee's standing bond is fixed under the general blanket bond heretofore approved. James G Henderson 1210 Financial Center 505 N. 20th Street Birmingham, AL 35203−4662 2. Unless the interim trustee files a rejection of this appointment within seven (7) days following receipt of this order, the trustee will be deemed to have accepted this appointment as provided by Rule 2008. Dated: February 14, 2018 /s/ D. Sims Crawford United States Bankruptcy Judge mwb Case 18-00583-DSC7 Doc 7 Filed 02/14/18 Entered 02/14/18 13:33:37 Desc Order Appointing Interim Trust Page 1 of 1

BNC Certificate of Notice (RE: related document(s)[5] Meeting of Creditors (Chapter 7)). Notice Date 02/15/2018.

United States Bankruptcy Court Northern District of Alabama In re: Case No. 18-00583-DSC Richard Joseph Grant Chapter 7 Debtor CERTIFICATE OF NOTICE District/off: 1126-2 User: admin Page 1 of 2 Date Rcvd: Feb 13, 2018 Form ID: 309A Total Noticed: 25 Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on Feb 15, 2018. db +Richard Joseph Grant, 2040 Indian Crest Drive, Pelham, AL 35124-3778 9636711 +Citicards Cbna, Citicorp Credit Svc/Centralized Bankrupt, Po Box 790040, Saint Louis, MO 63179-0040 9636706 +Internal Revenue Service TCS BHAM, insolvency, 801 Tom Martin Drive, Birmingham, AL 35211-6426 9636716 +Midland Funding LLC, c/o Holloway & Moxley PC, POB 4953, Montgomery, AL 36103-4953 9636717 +Mutal Svg Cu, Po Box 362045, Birmingham, AL 35236-2045 9636707 State of Ala Dept of Revenue, POB 154, Montgomery, AL 36135-0001 Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center. aty E-mail/Text: brent@brentwdavis.com Feb 13 2018 18:28:16 Brent William Davis, Brent W. Davis & Associates, L.L.C., 2700 Rogers Drive, Suite 106, Homewood, AL 35209-2055 tr +EDI: QJGHENDERSON.COM Feb 13 2018 18:08:00 James G Henderson, 1210 Financial Center, 505 N. 20th Street, Birmingham, AL 35203-2605 smg +E-mail/Text: bnc_notices_southern@alnba.uscourts.gov Feb 13 2018 18:29:27 Thomas Corbett, BA Birmingham, 1800 5th Avenue North, Birmingham, AL 35203-2111 9636708 +EDI: AFNIRECOVERY.COM Feb 13 2018 18:08:00 Afni, Attn: Bankruptcy, Po Box 3097, Bloomington, IL 61702-3097 9636709 +EDI: AMEREXPR.COM Feb 13 2018 18:08:00 Amex, Correspondence, Po Box 981540, El Paso, TX 79998-1540 9636710 +EDI: CAPITALONE.COM Feb 13 2018 18:08:00 Capital One, Attn: General Correspondence/Bankruptcy, Po Box 30285, Salt Lake City, UT 84130-0285 9636712 EDI: DISCOVER.COM Feb 13 2018 18:08:00 Discover Financial, Po Box 15316, Wilmington, DE 19850 9636713 +EDI: IIC9.COM Feb 13 2018 18:08:00 I C System Inc, 444 Highway 96 East, P.O. Box 64378, St. Paul, MN 55164-0378 9636705 EDI: IRS.COM Feb 13 2018 18:08:00 Internal Revenue Service, CIO: Bankruptcy, POB 7346, Philadelphia, PA 19101-7346 9636714 +EDI: CBSKOHLS.COM Feb 13 2018 18:08:00 Kohls/Capital One, Kohls Credit, Po Box 3043, Milwaukee, WI 53201-3043 9636715 +EDI: MID8.COM Feb 13 2018 18:08:00 Midland Funding, Attn: Bankruptcy, Po Box 939069, San Diego, CA 92193-9069 9636704 +E-mail/Text: skakalis@nicfn.com Feb 13 2018 18:29:04 Nicholas Financial Inc, 2454 Mcmullen-Booth Rd Bldg C, Clearwater, FL 33759-1353 9636718 EDI: PRA.COM Feb 13 2018 18:08:00 Portfolio Recovery, Po Box 41067, Norfolk, VA 23541 9636719 +E-mail/Text: newbk@Regions.com Feb 13 2018 18:29:57 Regions Bank, Attn: Bankruptcy, Po Box 10063, Birmingham, AL 35202-0063 9636720 +E-mail/Text: newbk@Regions.com Feb 13 2018 18:29:57 Regions Bankcard, Attn: Bankruptcy, 1900 5th Ave N #300, Birmingham, AL 35203-2610 9636721 +EDI: RMSC.COM Feb 13 2018 18:08:00 Synchrony Bank/ JC Penneys, Attn: Bankruptcy, Po Box 965060, Orlando, FL 32896-5060 9636722 +EDI: RMSC.COM Feb 13 2018 18:08:00 Synchrony Bank/Lowes, Attn: Bankruptcy, Po Box 965060, Orlando, FL 32896-5060 9636723 +EDI: RMSC.COM Feb 13 2018 18:08:00 Synchrony Bank/Sams, Attn: Bankruptcy, Po Box 965060, Orlando, FL 32896-5060 9636724 +EDI: RMSC.COM Feb 13 2018 18:08:00 Synchrony Bank/Walmart, Attn: Bankruptcy, Po Box 965060, Orlando, FL 32896-5060 TOTAL: 19 ***** BYPASSED RECIPIENTS ***** NONE. TOTAL: 0 Addresses marked '+' were corrected by inserting the ZIP or replacing an incorrect ZIP. USPS regulations require that automation-compatible mail display the correct ZIP. Transmission times for electronic delivery are Eastern Time zone. I, Joseph Speetjens, declare under the penalty of perjury that I have sent the attached document to the above listed entities in the manner shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and belief. Meeting of Creditor Notices only (Official Form 309): Pursuant to Fed. R. Bank. P. 2002(a)(1), a notice containing the complete Social Security Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains the redacted SSN as required by the bankruptcy rules and the Judiciary's privacy policies. Date: Feb 15, 2018 Signature: /s/Joseph Speetjens Case 18-00583-DSC7 Doc 8 Filed 02/15/18 Entered 02/16/18 00:07:48 Desc Imaged Certificate of Notice Page 1 of 4 District/off: 1126-2 User: admin Page 2 of 2 Date Rcvd: Feb 13, 2018 Form ID: 309A Total Noticed: 25 _ CM/ECF NOTICE OF ELECTRONIC FILING The following persons/entities were sent notice through the court's CM/ECF electronic mail (Email) system on February 13, 2018 at the address(es) listed below: NONE. TOTAL: 0 Case 18-00583-DSC7 Doc 8 Filed 02/15/18 Entered 02/16/18 00:07:48 Desc Imaged Certificate of Notice Page 2 of 4 Information to identify the case: Debtor 1 Richard Joseph Grant Social Security number or ITIN xxx−xx−3180 First Name Middle Name Last Name EIN _ _−_ _ _ _ _ _ _ Debtor 2 Social Security number or ITIN _ _ _ _ First Name Middle Name Last Name (Spouse, if filing) EIN _ _−_ _ _ _ _ _ _ UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ALABAMA, SOUTHERN DIVISION Date case filed for chapter 7 2/13/18 Case number: 18−00583−DSC7 Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline 12/15 For the debtors listed above, a case has been filed under chapter 7 of the Bankruptcy Code. An order for relief has been entered. This notice has important information about the case for creditors, debtors, and trustees, including information about the meeting of creditors and deadlines. Read both pages carefully. The filing of the case imposed an automatic stay against most collection activities. This means that creditors generally may not take action to collect debts from the debtors or the debtors' property. For example, while the stay is in effect, creditors cannot sue, garnish wages, assert a deficiency, repossess property, or otherwise try to collect from the debtors. Creditors cannot demand repayment from debtors by mail, phone, or otherwise. Creditors who violate the stay can be required to pay actual and punitive damages and attorney's fees. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although debtors can ask the court to extend or impose a stay. The debtors are seeking a discharge. Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office within the deadlines specified in this notice. (See line 9 for more information.) To protect your rights, consult an attorney. All documents filed in the case may be inspected at the bankruptcy clerk's office at the address listed below or through PACER (Public Access to Court Electronic Records at www.pacer.gov). The staff of the bankruptcy clerk's office cannot give legal advice. To help creditors correctly identify debtors, debtors submit full Social Security or Individual Taxpayer Identification Numbers, which may appear on a version of this notice. However, the full numbers must not appear on any document filed with the court. Do not file this notice with any proof of claim or other filing in the case. Do not include more than the last four digits of a Social Security or Individual Taxpayer Identification Number in any document, including attachments, that you file with the court. About Debtor 1: About Debtor 2: 1. Debtor's full name Richard Joseph Grant 2. All other names used in the last 8 years 3. Address 2040 Indian Crest Drive Pelham, AL 35124 4. Debtor's attorney Brent William Davis Contact phone 205−989−1919 Brent W. Davis & Associates, L.L.C. Name and address 2700 Rogers Drive Email: brent@brentwdavis.com Suite 106 Homewood, AL 35209−2055 5. Bankruptcy trustee James G Henderson Contact phone 205 328−9190 1210 Financial Center Name and address 505 N. 20th Street Birmingham, AL 35203−4662 For more information, see page 2 > Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 1 Case 18-00583-DSC7 Doc 8 Filed 02/15/18 Entered 02/16/18 00:07:48 Desc Imaged Certificate of Notice Page 3 of 4 Debtor Richard Joseph Grant Case number 18−00583−DSC7 6. Bankruptcy clerk's office Robert S. Vance Federal Building Hours open: 1800 5th Avenue North Documents in this case may be filed at this Birmingham, AL 35203 8:00 a.m. − 4:00 p.m. address. You may inspect all records filed Monday−Friday in this case at this office or online at www.pacer.gov. Contact phone 205−714−4000 Date: 2/13/18 7. Meeting of creditors March 12, 2018 at 09:00 AM Location: Debtors must attend the meeting to be The meeting may be continued or adjourned to a Robert S. Vance Federal questioned under oath. In a joint case, later date. If so, the date will be on the court Building, 1800 5th Avenue North, both spouses must attend. Creditors may attend, but are not required to do so. docket. Birmingham, AL 35203 8. Presumption of abuse The presumption of abuse does not arise. If the presumption of abuse arises, you may have the right to file a motion to dismiss the case under 11 U.S.C. § 707(b). Debtors may rebut the presumption by showing special circumstances. 9. Deadlines File by the deadline to object to discharge or Filing deadline: 5/11/18 to challenge whether certain debts are The bankruptcy clerk's office must receive dischargeable: these documents and any required filing fee by the following deadlines. You must file a complaint: • if you assert that the debtor is not entitled to receive a discharge of any debts under any of the subdivisions of 11 U.S.C. § 727(a)(2) through (7), or • if you want to have a debt excepted from discharge under 11 U.S.C § 523(a)(2), (4), or (6). You must file a motion: • if you assert that the discharge should be denied under § 727(a)(8) or (9). Deadline to object to exemptions: Filing deadline: 30 days after the The law permits debtors to keep certain property as conclusion of the meeting of creditors exempt. If you believe that the law does not authorize an exemption claimed, you may file an objection. 10. Proof of claim No property appears to be available to pay creditors. Therefore, please do not file a proof of claim now. If it later appears that assets are available to pay creditors, the clerk Please do not file a proof of claim unless will send you another notice telling you that you may file a proof of claim and stating the you receive a notice to do so. deadline. 11. Creditors with a foreign address If you are a creditor receiving a notice mailed to a foreign address, you may file a motion asking the court to extend the deadlines in this notice. Consult an attorney familiar with United States bankruptcy law if you have any questions about your rights in this case. 12. Exempt property The law allows debtors to keep certain property as exempt. Fully exempt property will not be sold and distributed to creditors. Debtors must file a list of property claimed as exempt. You may inspect that list at the bankruptcy clerk's office or online at www.pacer.gov. If you believe that the law does not authorize an exemption that the debtors claim, you may file an objection. The bankruptcy clerk's office must receive the objection by the deadline to object to exemptions in line 9. Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 2 Case 18-00583-DSC7 Doc 8 Filed 02/15/18 Entered 02/16/18 00:07:48 Desc Imaged Certificate of Notice Page 4 of 4

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Description
1
02/13/2018
Chapter 7 Voluntary Petition for Individuals. Fee Amount $335 Filed by Richard Joseph Grant
3
02/13/2018
Certificate of Credit Counseling for Debtor Filed by Debtor Richard Joseph Grant.
4
02/13/2018
Employee Income Records Filed by Debtor Richard Joseph Grant.
5
02/13/2018
Meeting of Creditors with 341(a) meeting to be held on 03/12/2018 at 09:00 AM at Creditor Meeting Room Birmingham. Objections for Discharge due by 05/11/2018.
6
02/14/2018
Notice of Requirement to Complete Course in Financial Management (Admin adiuser)
7
02/14/2018
Order Appointing Trustee. James G Henderson added to the case. Signed on 2/14/2018.
8
02/15/2018
BNC Certificate of Notice (RE: related document(s)[5] Meeting of Creditors (Chapter 7)). Notice Date 02/15/2018.
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