Fill in this information to identify your case: United States Bankruptcy Court for the: NORTHERN DISTRICT OF OHIO, CANTON DIVISION 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 02/20 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 Sandwana your government-issued First name First name picture identification (for example, your driver's T. license or passport). Middle name Middle name Bring your picture identification to your meeting Nelms 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-0544 Individual Taxpayer Identification number (ITIN) Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 1 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 1 of 54 Debtor 1 Nelms, Sandwana T. 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 EIN EIN 5. Where you live If Debtor 2 lives at a different address: 1490 Royal Oak Trl Mansfield, OH 44906-3603 Number, Street, City, State & ZIP Code Number, Street, City, State & ZIP Code Richland County County If your mailing address is different from the one If Debtor 2's mailing address is different from yours, fill it in above, fill it in here. Note that the court will send any here. Note that the court will send any notices to this mailing notices to you at this mailing address. 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: this district to file for Check one: bankruptcy  Over the last 180 days before filing this petition, I have lived in this district longer than in any other  Over the last 180 days before filing this petition, I have district. lived in this district longer than in any other 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 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 2 of 54 Debtor 1 Nelms, Sandwana T. 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 (Form Bankruptcy Code you are 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 bankruptcy within the last No. 8 years?  Yes. District When Case number District When Case number District When Case number 10. Are any bankruptcy cases pending or being filed by No a spouse who is not filing  Yes. 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 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 3 of 54 Debtor 1 Nelms, Sandwana T. 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 an Name of business, if any 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 in 11 you a small business U.S.C. 1116(1)(B). debtor? For a definition of small No. I am not filing under Chapter 11. business debtor, see 11 U.S.C. § 101(51D).  No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy Code.  Yes. I am filing under Chapter 11, I am a small business debtor according to the definition in the Bankruptcy Code, and I do not choose to proceed under Subchapter V of Chapter 11.  Yes. I am filing under Chapter 11, I am a small business debtor according to the definition in the Bankruptcy Code, and I choose to proceed under Subchapter V of Chapter 11. Part 4: Report if You Own or Have Any Hazardous Property or Any Property That Needs Immediate Attention 14. Do you own or have any property that poses or is No. alleged to pose a threat of  Yes. imminent and identifiable What is the hazard? 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 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 4 of 54 Debtor 1 Nelms, Sandwana T. 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  Icounseling received a briefing from an approved credit  I received a briefing from an approved credit briefing about credit 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 plan, Attach a copy of the certificate and the payment plan, if any, credit counseling before you if any, that you developed with the agency. that you developed with the agency. file for bankruptcy. You must truthfully check one of  I received a briefing from an approved credit  I received a briefing from an approved credit the following choices. If you counseling agency within the 180 days before I counseling agency within the 180 days before I filed cannot do so, you are not filed this bankruptcy petition, but I do not have a this bankruptcy petition, but I do not have a certificate eligible to file. certificate of completion. of completion. If you file anyway, the court Within 14 days after you file this bankruptcy petition, Within 14 days after you file this bankruptcy petition, you can dismiss your case, you you MUST file a copy of the certificate and payment MUST file a copy of the certificate and payment plan, if any. will lose whatever filing fee plan, if any. you paid, and your creditors can begin collection  I certify that I asked for credit counseling  I certify that I asked for credit counseling services activities again. services from an approved agency, but was from an approved agency, but was unable to obtain 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 to requirement, attach a separate sheet explaining what obtain the briefing, why you were unable to obtain it before efforts you made to obtain the briefing, why you were you filed for bankruptcy, and what exigent circumstances unable to obtain it before you filed for bankruptcy, and required you to file this case. what exigent circumstances required you to file this case. Your case may be dismissed if the court is dissatisfied with your reasons for not receiving a briefing before you filed for Your case may be dismissed if the court is 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 file still receive a briefing within 30 days after you file. a certificate from the approved agency, along with a copy of You must file a certificate from the approved agency, the payment plan you developed, if any. If you do not do so, along with a copy of the payment plan you developed, your case may be dismissed. if any. If you do not do so, your case may be Any extension of the 30-day deadline is granted only for 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 making makes me incapable of realizing or making rational rational decisions about finances. decisions about finances.  Disability.  Disability. My physical disability causes me to be unable My physical disability causes me to be unable to to participate in a briefing in person, by phone, participate in a briefing in person, by phone, or through or through the internet, even after I reasonably the internet, even after I reasonably tried to do so. tried to 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 briefing If you believe you are not required to receive a briefing about about credit counseling, you must file a motion for credit counseling, you must file a motion for waiver of credit waiver credit counseling with the court. counseling with the court. Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 5 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 5 of 54 Debtor 1 Nelms, Sandwana T. 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 after any exempt property is Yes. I am filing under Chapter 7. Do you estimate that after any exempt property is excluded and administrative expenses are paid that funds will be available to distribute to unsecured creditors? excluded and administrative expenses are paid that funds will be No available for distribution  Yes 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 to  $10,000,001 - $50 million  $1,000,000,001 - $10 billion 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/ Sandwana T. Nelms Sandwana T. Nelms Signature of Debtor 2 Signature of Debtor 1 Executed on March 12, 2020 Executed on MM / DD / YYYY MM / DD / YYYY Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 6 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 6 of 54 Debtor 1 Nelms, Sandwana T. 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 under represented by one Chapter 7, 11, 12, or 13 of title 11, United States Code, and have explained the relief available under each chapter for which the person is eligible. I also certify that I have delivered to the debtor(s) the notice required by 11 U.S.C. § 342(b) and, in a case in If you are not represented by which § 707(b)(4)(D) applies, certify that I have no knowledge after an inquiry that the information in the schedules filed with the an attorney, you do not need petition is incorrect. to file this page. /s/ R Joshua Brown Date March 12, 2020 Signature of Attorney for Debtor MM / DD / YYYY R Joshua Brown Printed name R. Joshua Brown Firm name 32 Lutz Ave Lexington, OH 44904-1110 Number, Street, City, State & ZIP Code Contact phone (405)641-7405 Email address gordonmichael@example.net 0008452 Bar number & State Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 7 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 7 of 54 Fill in this information to identify your case: Check one box only as directed in this form and in Form 122A-1Supp: Debtor 1 Sandwana T. Nelms Debtor 2 (Spouse, if filing) 1. There is no presumption of abuse Northern District of Ohio, Canton  2. The calculation to determine if a presumption of abuse United States Bankruptcy Court for the: Division applies will be made underChapter 7 Means Test Calculation (Official Form 122A-2). Case number  3. The Means Test does not apply now because of qualified (if known) 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 12/19 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). $ 1,657.88 $ 0.00 3. Alimony and maintenance payments. Do not include payments from a spouse if Column B is filled in. $ 65.28 $ 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 $ 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 $ 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 $ 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) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 8 of 54 Debtor 1 Nelms, Sandwana T. Case number (if known) Column A Column B Debtor 1 Debtor 2 or non-filing spouse 8. Unemployment compensation $ 0.00 $ 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 $ 0.00 9. Pension or retirement income. Do not include any amount received that was a benefit under the Social Security Act. Also, except as stated in the next sentence, do not include any compensation, pension, pay, annuity, or allowance paid by the United States Government in connection with a disability, combat-related injury or disability, or death of a member of the uniformed services. If you received any retired pay paid under chapter 61 of title 10, then include that pay only to the extent that it does not exceed the amount of retired pay to which you would otherwise be entitled if retired under any provision of title 10 other than chapter 61 of that title. $ 0.00 $ 0.00 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; payments received as a victim of a war crime, a crime against humanity, or international or domestic terrorism; or compensation, pension, pay, annuity, or allowance paid by the United States Government in connection with a disability, combat-related injury or disability, or death of a member of the uniformed services. If necessary, list other sources on a separate page and put the total below. . $ 0.00 $ 0.00 $ 0.00 $ 0.00 Total amounts from separate pages, if any. + $ 0.00 $ 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. $ 1,723.16 + $ 0.00 = $ 1,723.16 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=> $ 1,723.16 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. $ 20,677.92 13. Calculate the median family income that applies to you. Follow these steps: Fill in the state in which you live. OH Fill in the number of people in your household. 1 Fill in the median family income for your state and size of household. 13. $ 50,384.00 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. Do NOT fill out or file Official Form 122A-2. 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/ Sandwana T. Nelms Sandwana T. Nelms Signature of Debtor 1 Date March 12, 2020 Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 2 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 9 of 54 Debtor 1 Nelms, Sandwana T. Case number (if known) 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 3 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 10 of 54 Fill in this information to identify your case: Debtor 1 Sandwana T. Nelms 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 OHIO, CANTON DIVISION 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................................................................................................ $ 90.00 1b. Copy line 62, Total personal property, from Schedule A/B..................................................................................... $ 9,690.80 1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 9,780.80 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... $ 14,806.53 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............................ $ 34,460.01 Your total liabilities $ 49,266.54 Part 3: Summarize Your Income and Expenses 4. Schedule I: Your Income (Official Form 106I) Copy your combined monthly income from line 12 ofSchedule I................................................................................ $ 1,950.11 5. Schedule J: Your Expenses (Official Form 106J) Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 2,042.00 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) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 11 of 54 Debtor 1 Nelms, Sandwana T. 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. $ 1,723.16 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.) $ 5,810.44 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. $ 5,810.44 Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 12 of 54 Fill in this information to identify your case: Debtor 1 Sandwana T. Nelms 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 OHIO, CANTON DIVISION 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/ Sandwana T. Nelms X Sandwana T. Nelms Signature of Debtor 2 Signature of Debtor 1 Date March 12, 2020 Date 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 13 of 54 Fill in this information to identify your case and this filing: Debtor 1 Sandwana T. Nelms 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 OHIO, CANTON DIVISION Case number  Check if this is an amended filing Official Form 106A/B Schedule A/B: Property 12/15 In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the category where you think it fits best. Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question. Part 1: Describe Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In 1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?  No. Go to Part 2. Yes. Where is the property? 1.1 What is the property? Check all that apply Street address, if available, or other description  Single-family home Do not deduct secured claims or exemptions. Put the amount of any secured claims on Schedule D:  Duplex or multi-unit building Creditors Who Have Claims Secured by Property .  Condominium or cooperative  Manufactured or mobile home Current value of the Current value of the  Land entire property? portion you own? City State ZIP Code  Investment property $90.00 $90.00  Timeshare Describe the nature of your ownership interest  Other (such as fee simple, tenancy by the entireties, or Who has an interest in the property? Check one a life estate), if known.  Debtor 1 only Undivided 1/2 interest Richland  Debtor 2 only County  Debtor 1 and Debtor 2 only Check if this is community property  At least one of the debtors and another  (see instructions) Other information you wish to add about this item, such as local property identification number: PPN 046-08-163-07-001 BK 2226 Pg 22 Vacant land S Main Street, Shelby, OH 2. Add the dollar value of the portion you own for all of your entries from Part 1, including any entries for pages you have attached for Part 1. Write that number here...........................................................................=> $90.00 Part 2: Describe Your Vehicles Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles you own that someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases. Official Form 106A/B Schedule A/B: Property page 1 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 14 of 54 Debtor 1 Nelms, Sandwana T. Case number (if known) 3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles  No Yes 3.1 Make: Kia 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: Optima Debtor 1 only Creditors Who Have Claims Secured by Property . Year: 2015  Debtor 2 only Current value of the Current value of the Approximate mileage: 118000  Debtor 1 and Debtor 2 only entire property? portion you own? Other information:  At least one of the debtors and another VIN 5XXGM4A75FG381647  Check if this is community property $5,675.00 $5,675.00 (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.............................................................................=> $5,675.00 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..... Household goods $3,500.00 7. Electronics Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music collections; electronic devices including cell phones, cameras, media players, games  No Yes. Describe..... Tablet $50.00 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..... 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..... Official Form 106A/B Schedule A/B: Property page 2 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 15 of 54 Debtor 1 Nelms, Sandwana T. Case number (if known) 11. Clothes Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories No  Yes. Describe..... 12. Jewelry Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver  No Yes. Describe..... Jewelry $1,000.00 13. Non-farm animals Examples: Dogs, cats, birds, horses No  Yes. Describe..... 14. Any other personal and household items you did not already list, including any health aids you did not list No  Yes. Give specific information..... 15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached for Part 3. Write that number here .............................................................................. $4,550.00 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 $150.00 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. Checking Account Bank of America $-684.20 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 3 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 16 of 54 Debtor 1 Nelms, Sandwana T. 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: 23. Annuities (A contract for a periodic payment of money to you, either for life or for a number of years) No  Yes............. Issuer name and description. 24. Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program. 26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1). No  Yes............. Institution name and description. Separately file the records of any interests.11 U.S.C. § 521(c): 25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your benefit No  Yes. Give specific information about them... 26. Patents, copyrights, trademarks, trade secrets, and other intellectual property Examples: Internet domain names, websites, proceeds from royalties and licensing agreements No  Yes. Give specific information about them... 27. Licenses, franchises, and other general intangibles Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses No  Yes. Give specific information about them... Money or property owed to you? Current value of the portion you own? Do not deduct secured claims or exemptions. 28. Tax refunds owed to you No  Yes. Give specific information about them, including whether you already filed the returns and the tax years....... 29. Family support Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement  No Yes. Give specific information...... Child Support delinquent, Richland County Support Order Support $0.00 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. Official Form 106A/B Schedule A/B: Property page 4 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 17 of 54 Debtor 1 Nelms, Sandwana T. Case number (if known) 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......... Possible dental malpractice, Ashland Dental, Claremont Avenue $0.00 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..................................................................................................................... $-534.20 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 5 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 18 of 54 Debtor 1 Nelms, Sandwana T. Case number (if known) Part 8: List the Totals of Each Part of this Form 55. Part 1: Total real estate, line 2 ...................................................................................................................... $90.00 56. Part 2: Total vehicles, line 5 $5,675.00 57. Part 3: Total personal and household items, line 15 $4,550.00 58. Part 4: Total financial assets, line 36 $-534.20 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... $9,690.80 Copy personal property total $9,690.80 63. Total of all property on Schedule A/B. Add line 55 + line 62 $9,780.80 Official Form 106A/B Schedule A/B: Property page 6 Software Copyright (c) 2020 CINGroup - www.cincompass.com 20-60461-rk Doc 1 FILED 03/12/20 ENTERED 03/12/20 12:51:48 Page 19 of 54 Fill in this information to identify your case: Debtor 1 Sandwana T. Nelms 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 OHIO, CANTON DIVISION 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
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