Case 19-19921 Doc 1 Filed 07/23/19 Page 1 of 71 Fill in this information to identify your case: United States Bankruptcy Court for the: DISTRICT OF MARYLAND Case number (if known) Chapter you are filing under: Chapter 7 Chapter 11 Chapter 12 Chapter 13 Check if this is 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 Robert Gerald your government-issued First name First name picture identification (for example, your driver's L. license or passport). Middle name Middle name Bring your picture identification to your Pilaud Pilaud 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 Robert Louis Pilaud Gerald Kentopp Pilaud Robert Pilaud Include your married or maiden names. 3. Only the last 4 digits of your Social Security number or federal xxx-xx-9124 xxx-xx-8744 Individual Taxpayer Identification number (ITIN) Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 1 Case 19-19921 Doc 1 Filed 07/23/19 Page 2 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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: 11550 Old Georgetown Road, Apt 408 Rockville, MD 20852 Number, Street, City, State & ZIP Code Number, Street, City, State & ZIP Code Montgomery 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 19-19921 Doc 1 Filed 07/23/19 Page 3 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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 with this bankruptcy petition. Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 3 Case 19-19921 Doc 1 Filed 07/23/19 Page 4 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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 Gerald Pilaud an individual, and is not a Name of business, if any separate legal entity such as a corporation, partnership, or LLC. 11550 Old Georgetoen Road, Apt. 408 If you have more than one North Bethesda, MD 20852 sole proprietorship, use a separate sheet and attach Number, Street, City, State & ZIP Code 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 19-19921 Doc 1 Filed 07/23/19 Page 5 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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 19-19921 Doc 1 Filed 07/23/19 Page 6 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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 $50,001 - $100,000 $10,000,001 - $50 million $1,000,000,001 - $10 billion to be? $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/ Robert L. Pilaud /s/ Gerald Pilaud Robert L. Pilaud Gerald Pilaud Signature of Debtor 1 Signature of Debtor 2 Executed on July 23, 2019 Executed on July 23, 2019 MM / DD / YYYY MM / DD / YYYY Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 6 Case 19-19921 Doc 1 Filed 07/23/19 Page 7 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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/ David B. Mintz Date July 23, 2019 Signature of Attorney for Debtor MM / DD / YYYY David B. Mintz 14508 Printed name Law Office of David B. Mintz, PC Firm name 10632 Little Patuxent Parkway, Suite 249 Columbia, MD 21044 Number, Street, City, State & ZIP Code Contact phone 516.637.5703 Email address jwarren@example.net 14508 MD Bar number & State Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 7 Case 19-19921 Doc 1 Filed 07/23/19 Page 8 of 71 Case 19-19921 Doc 1 Filed 07/23/19 Page 9 of 71 Case 19-19921 Doc 1 Filed 07/23/19 Page 10 of 71 Fill in this information to identify your case: Debtor 1 Robert L. Pilaud First Name Middle Name Last Name Debtor 2 Gerald Pilaud (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: DISTRICT OF MARYLAND 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..................................................................................... $ 36,579.87 1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 36,579.87 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... $ 33,528.00 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............................ $ 369,757.18 Your total liabilities $ 403,285.18 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................................................................................ $ 0.00 5. Schedule J: Your Expenses (Official Form 106J) Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 9,783.44 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) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 11 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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. $ 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.) $ 176,565.00 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. $ 176,565.00 Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 12 of 71 Fill in this information to identify your case and this filing: Debtor 1 Robert L. Pilaud First Name Middle Name Last Name Debtor 2 Gerald Pilaud (Spouse, if filing) First Name Middle Name Last Name United States Bankruptcy Court for the: DISTRICT OF MARYLAND 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: Cadillac 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: Escallade Debtor 1 only Creditors Who Have Claims Secured by Property. Year: 2012 Debtor 2 only Current value of the Current value of the Approximate mileage: 110,000 Debtor 1 and Debtor 2 only entire property? portion you own? Other information: At least one of the debtors and another Check if this is community property $16,511.00 $16,511.00 (see instructions) 3.2 Make: Mercedes Benz 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: C300 Debtor 1 only Creditors Who Have Claims Secured by Property. Year: 2009 Debtor 2 only Current value of the Current value of the Approximate mileage: 212,000 Debtor 1 and Debtor 2 only entire property? portion you own? Other information: At least one of the debtors and another $2,467 KBB minus over $1,000.00 in neeeded repairs Check if this is community property $1,467.00 $1,467.00 per written estimate from (see instructions) mechanic Official Form 106A/B Schedule A/B: Property page 1 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 13 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 3.3 Make: Honda 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: Fit Debtor 1 only Creditors Who Have Claims Secured by Property. Year: 2008 Debtor 2 only Current value of the Current value of the Approximate mileage: 150,000 Debtor 1 and Debtor 2 only entire property? portion you own? Other information: At least one of the debtors and another Check if this is community property $1,075.00 $1,075.00 (see instructions) 4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories No Yes 5 Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for .pages you have attached for Part 2. Write that number here.............................................................................=> $19,053.00 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..... Bed, chairs, lamps, sofas, tables, vacuums, pots and pans, tools, linens, dishes, glasses, flatware, Christmas decorations, artificial christmas tree, Halloween decorations, air filtes, trsh bins, Roomba, rug, laddr, miorrors $3,110.00 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..... Televisions, audio equipment, computer, printer, gaming system, music collection, electronic devices, games $1,700.00 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..... Stango Chanel $1,500.00 Comic book collection $900.00 Baseball cards $100.00 Official Form 106A/B Schedule A/B: Property page 2 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 14 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 9. Equipment for sports and hobbies Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes and kayaks; carpentry tools; musical instruments No Yes. Describe..... Tennis raquets $25.00 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..... Shirts, pants, suits, jackets, coats, shoes/sneakers, boots, scarves, bathing suits,, undergarments, furs, leather coat, sweates, belts $950.00 Shirts, pants, suits, jackets, coats, shoes/sneakers, boots, scarves, bathing suits,, undergarments, furs, leather coat, sweates, belts $950.00 12. Jewelry Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver No Yes. Describe..... Wedding ring, other ringwatch $600.00 Watch $100.00 Cufflinks $100.00 13. Non-farm animals Examples: Dogs, cats, birds, horses No Yes. Describe..... 13 year old dod, 5 year old dog $50.00 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..... Artwork and electric toothbrush $62.50 Chess set, electric toothbrush $37.50 Face cleaner $10.00 Official Form 106A/B Schedule A/B: Property page 3 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 15 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud 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 .............................................................................. $10,195.00 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 $177.00 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. Savings Justice FCU $5.00 17.2. Checking Justice FCU $0.00 17.3. Checking Wells Fargo $0.00 17.4. Checking Wells Fargo $4.84 17.5. Checking Aspiration $444.17 17.6. Checking Aspiration $6,000.86 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: Official Form 106A/B Schedule A/B: Property page 4 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 16 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 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: Rental deposit Greystar for Pike and Rose $500.00 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): Virginia Education Savings Trust (VEST) $200.00 25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your benefit No Yes. Give specific information about them... 26. Patents, copyrights, trademarks, trade secrets, and other intellectual property Examples: Internet domain names, websites, proceeds from royalties and licensing agreements No Yes. Give specific information about them... 27. Licenses, franchises, and other general intangibles Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses No Yes. Give specific information about them... U.S. Patent Office license $0.00 Real estate licenses $0.00 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...... Official Form 106A/B Schedule A/B: Property page 5 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 17 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 30. Other amounts someone owes you Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation, Social Security benefits; unpaid loans you made to someone else No Yes. Give specific information.. 31. Interests in insurance policies Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance No Yes. Name the insurance company of each policy and list its value. Company name: Beneficiary: Surrender or refund value: 32. Any interest in property that is due you from someone who has died If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive property because someone has died. No Yes. Give specific information.. 33. Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment Examples: Accidents, employment disputes, insurance claims, or rights to sue No Yes. Describe each claim......... 34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights to set off claims No Yes. Describe each claim......... 35. Any financial assets you did not already list No Yes. Give specific information.. 36. Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached for Part 4. Write that number here..................................................................................................................... $7,331.87 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 Official Form 106A/B Schedule A/B: Property page 6 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 18 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 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 $19,053.00 57. Part 3: Total personal and household items, line 15 $10,195.00 58. Part 4: Total financial assets, line 36 $7,331.87 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... $36,579.87 Copy personal property total $36,579.87 63. Total of all property on Schedule A/B. Add line 55 + line 62 $36,579.87 Official Form 106A/B Schedule A/B: Property page 7 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 19 of 71 Fill in this information to identify your case: Debtor 1 Robert L. Pilaud First Name Middle Name Last Name Debtor 2 Gerald Pilaud (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: DISTRICT OF MARYLAND Case number (if known) Check if this is an amended filing Official Form 106C Schedule C: The Property You Claim as Exempt 4/19 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 2009 Mercedes Benz C300 212,000 $1,467.00 $1,467.00 Md. Code Ann., Cts. & Jud. miles Proc. § 11-504(f)(1)(i)(1) $2,467 KBB minus over $1,000.00 in 100% of fair market value, up to neeeded repairs per written estimate any applicable statutory limit from mechanic Line from Schedule A/B: 3.2 Bed, chairs, lamps, sofas, tables, $3,110.00 $2,000.00 Md. Code Ann., Cts. & Jud. vacuums, pots and pans, tools, Proc. § 11-504(b)(4) linens, dishes, glasses, flatware, 100% of fair market value, up to Christmas decorations, artificial any applicable statutory limit christmas tree, Halloween decorations, air filtes, trsh bins, Roomba, rug, laddr, miorrors Line from Schedule A/B: 6.1 Bed, chairs, lamps, sofas, tables, $3,110.00 $1,110.00 Md. Code Ann., Cts. & Jud. vacuums, pots and pans, tools, Proc. § 11-504(f)(1)(i)(1) linens, dishes, glasses, flatware, 100% of fair market value, up to Christmas decorations, artificial any applicable statutory limit christmas tree, Halloween decorations, air filtes, trsh bins, Roomba, rug, laddr, miorrors Line from Schedule A/B: 6.1 Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 4 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 20 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 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 Televisions, audio equipment, $1,700.00 $1,700.00 Md. Code Ann., Cts. & Jud. computer, printer, gaming system, Proc. § 11-504(f)(1)(i)(1) music collection, electronic devices, 100% of fair market value, up to games any applicable statutory limit Line from Schedule A/B: 7.1 Stango Chanel $1,500.00 $1,500.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 8.1 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Comic book collection $900.00 $900.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 8.2 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Baseball cards $100.00 $100.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 8.3 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Tennis raquets $25.00 $25.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 9.1 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Shirts, pants, suits, jackets, coats, $950.00 $950.00 Md. Code Ann., Cts. & Jud. shoes/sneakers, boots, scarves, Proc. § 11-504(f)(1)(i)(1) bathing suits,, undergarments, furs, 100% of fair market value, up to leather coat, sweates, belts any applicable statutory limit Line from Schedule A/B: 11.1 Shirts, pants, suits, jackets, coats, $950.00 $648.00 Md. Code Ann., Cts. & Jud. shoes/sneakers, boots, scarves, Proc. § 11-504(f)(1)(i)(1) bathing suits,, undergarments, furs, 100% of fair market value, up to leather coat, sweates, belts any applicable statutory limit Line from Schedule A/B: 11.2 Shirts, pants, suits, jackets, coats, $950.00 $302.00 Md. Code Ann., Cts. & Jud. shoes/sneakers, boots, scarves, Proc. § 11-504(b)(5) bathing suits,, undergarments, furs, 100% of fair market value, up to leather coat, sweates, belts any applicable statutory limit Line from Schedule A/B: 11.2 Wedding ring, other ringwatch $600.00 $600.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 12.1 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Watch $100.00 $100.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 12.2 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Cufflinks $100.00 $100.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 12.3 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Official Form 106C Schedule C: The Property You Claim as Exempt page 2 of 4 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 21 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 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 13 year old dod, 5 year old dog $50.00 $50.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 13.1 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Artwork and electric toothbrush $62.50 $62.50 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 14.1 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Chess set, electric toothbrush $37.50 $37.50 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 14.2 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Face cleaner $10.00 $10.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 14.3 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Cash $177.00 $177.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 16.1 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Savings: Justice FCU $5.00 $5.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 17.1 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Checking: Wells Fargo $4.84 $4.84 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 17.4 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Checking: Aspiration $444.17 $444.17 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 17.5 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Checking: Aspiration $6,000.86 $6,000.00 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 17.6 Proc. § 11-504(b)(5) 100% of fair market value, up to any applicable statutory limit Checking: Aspiration $6,000.86 $0.86 Md. Code Ann., Cts. & Jud. Line from Schedule A/B: 17.6 Proc. § 11-504(f)(1)(i)(1) 100% of fair market value, up to any applicable statutory limit Rental deposit: Greystar for Pike and $500.00 $500.00 Md. Code Ann., Real Prop. § Rose 8-203(d)(3)(ii) Line from Schedule A/B: 22.1 100% of fair market value, up to any applicable statutory limit Official Form 106C Schedule C: The Property You Claim as Exempt page 3 of 4 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 22 of 71 Debtor 1 Robert L. Pilaud Debtor 2 Gerald Pilaud Case number (if known) 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 Virginia Education Savings Trust $200.00 $200.00 Md. Code Ann., Cts. & Jud. (VEST) Proc. § 11-504(f)(1)(i)(1) Line from Schedule A/B: 24.1 100% of fair market value, up to any applicable statutory limit 3. Are you claiming a homestead exemption of more than $170,350? (Subject to adjustment on 4/01/22 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 4 of 4 Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy Case 19-19921 Doc 1 Filed 07/23/19 Page 23 of 71 Fill in this information to identify your case: Debtor 1 Robert L. Pilaud First Name Middle Name Last Name Debtor 2 Gerald Pilaud (Spouse if, filing) First Name Middle Name Last Name United States Bankruptcy Court for the: DISTRICT OF MARYLAND 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 Justice Federal Cu Describe the property that secures the claim: $29,859.00 $16,511.00 $13,348.00 Creditor's Name 2012 Cadillac Escallade 110,000 miles As of the
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