Revised Chapter 13 Model Plan in Ft. Myers and Tampa

The judges of the Tampa and Ft. Myers Divisions have revised the approved Chapter 13 Model Plan. The revised Model Plan must be used by all Chapter 13 debtors in cases filed on or after June 1, 2014.

Changes from the previous model plan include:
Paragraph 5 which provides that secured creditors who have filed proofs of claim prior to the claims bar date or within 14 days from the date of an order converting or dismissing the case, whichever date is earlier, shall have an administrative lien on plan payments paid by the debtor to the Chapter 13 Trustee prior to confirmation.

Paragraph 5(G), (H) and (I) of the Model Plan.

In 5(G), the debtor may elect to pay secured claims/leased claims direct to the creditor.  If the Debtor makes this election, the automatic stay and any codebtor stay are terminated in rem upon the filing of the Plan.  The debtor’s state law contract rights are not abrogated.

In 5(H), the debtor may designate secured claims that are not provided for under the plan. The automatic stay and any codebtor stay are terminated, the debtor’s liability to the creditor is not discharged under the plan, and the debtor’s state law contract rights are not abrogated.

In 5(I), the debtor may elect to surrender secured/leased property. The automatic stay is terminated in rem as to the secured creditor.

Revisions have also been made to the following form orders to make them consistent with the revised Model Plan: Order Establishing Duties of Debtor, etc., the Order Granting Trustee’s Motion to Dismiss, and the Order Governing Procedures After Conversion to Chapter 7.

Click to download Chapter 13 Plan (pdf)

Carol A. Lawson, Esq., 28870 U.S. Hwy19 #300, Hodusa Towers, Clearwater, FL 33761             Phone: (727) 410-2705;   email: [email protected]

Qualifying for a Health Insurance Coverage Exemption

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The Affordable Care Act Known as ObamaCare requires individuals to have qualifying health insurance coverage for each month of the year, have an exemption, or make a shared responsibility payment when filing his or her federal income tax return starting in 2014.

You may be exempt from the requirement to maintain qualifying health insurance coverage, called minimum essential coverage, and may not have to make a shared responsibility payment when you file your next federal income tax return. If you are a married couple, the rules will be different than just covering a single person, checking out advice on health insurance for married couple will get you better prepared.

Exemptions are granted for the following:

  • You have no affordable coverage options because the minimum amount you must pay for the annual premiums is more than eight percent of your household income,
  • You have a gap in coverage for less than three consecutive months, or
  • You Qualify for an exemption for one of several other reasons, including having a hardship that prevents you from obtaining coverage or belonging to a group explicitly exempt from the requirement.

The IRS website, IRS.gov/aca, has a comprehensive list of the coverage exemptions at :

http://www.irs.gov/uac/ACA-Individual-Shared-Responsibility-Provision-Exemptions

How to get an exemption depends upon the type of exemption. Some exemptions are only from the Marketplace in the area where you live, https://www.healthcare.gov/exemptions/ while others only from the IRS , and yet others from either the Marketplace or the IRS. Fun right?

Additional information about exemptions can be obtained at the Individual Shared Responsibility Provision web page on IRS.gov.

More Information

Find out more about the tax-related provisions of the health care law at IRS.gov/aca

Find out more about the health care law at HealthCare.gov and HealthCare.gov/exemptions.

Some direct links for Florida

http://www.irs.gov/uac/ACA-Individual-Shared-Responsibility-Provision-Exemptions

http://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/exemptions-guidance-6-26-2013.pdf

https://www.healthcare.gov/exemptions/

http://marketplace.cms.gov/getofficialresources/publications-and-articles/affordability-ffm-exemption.pdf

https://www.healthcare.gov/can-i-buy-a-catastrophic-plan/

Application for Exemption from the Shared Responsibility Payment for Individuals who are Unable to Afford Coverage and are in a State with a Federally Facilitated Marketplace (pdf)

Carol A. Lawson, Esq., 28870 U.S. Hwy19 #300, Hodusa Towers, Clearwater, FL 33761 Phone: (727) 410-2705; email: [email protected]

Wells Fargo Foreclosure Manual

You can read the instruction manual provided to foreclosure counsel here:

http://apps.washingtonpost.com/g/documents/business/wells-fargo-foreclosure-manual/879/

This manual provides counsel instructions on how to proceed when documents needed for the foreclosure are missing. This manual was released by a New York Bankruptcy Attorney, Linda Tirelli.

 

Carol A. Lawson, Esq., 28870 U.S. Hwy19 #300, Hodusa Towers, Clearwater, FL 33761             Phone: (727) 410-2705;   email: [email protected]

Bankruptcy Court Fee Schedule

The Bankruptcy Court Fee Schedule effective June 1, 2014 is as follows:

Chapter 7 will be $335.00

Chapter 9 will be $1,717.00

Chapter 11 will be $1,717.00

Chapter 12 will be $275.00

Chapter 13 will be $310.00

Chapter 15 will be $1,717.00

The fee for filing a complaint increases to $350.00.

The following administrative fees are increased to the totals noted:

– For the filing of a petition under Chapter 7, 12, or 13, $75.00.

– For the filing of a petition under Chapter 9, 11, or 15, $550.00.

– When a motion to divide a joint case under Chapter 7, 12, or 13 is filed, $75.00.

– When a motion to divide a joint case under Chapter 11 is filed, $550.00.

Chapter 7 will be $335.00

Chapter 9 will be $1,717.00

Chapter 11 will be $1,717.00

Chapter 12 will be $275.00

Chapter 13 will be $310.00

Chapter 15 will be $1,717.00
To learn more about filing for bankruptcy in Clearwater, Florida please take a look through my site.

 

Carol A. Lawson, Esq., 28870 U.S. Hwy19 #300, Hodusa Towers, Clearwater, FL 33761             Phone: (727) 410-2705;   email: [email protected]