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Ðresidence€and€family€size,€in€some€cases,€creditors€have€the€right€to€file€a€motion€requesting€that€the€court€dismiss€your€caseÐ ™" Ðunder€ðð€707(b)€of€the€Code.€€It€is€up€to€the€court€to€decide€whether€the€case€should€be€dismissed.Ô#†&ë_%%&ë_! #ÔÔ‡&ë_%%&ë_ÔÐ Ùq# Ðà 8 à2.€Under€chapter€7,€you€may€claim€certain€of€your€property€as€exempt€under€governing€law.€€A€trustee€may€have€theÐ ± I$ Ðright€to€take€possession€of€and€sell€the€remaining€property€that€is€not€exempt€and€use€the€sale€proceeds€to€pay€your€creditors.Ô#†&ë_%%&ë_#ÔÔ‡&ë_%%&ë_ÔÐ ‰!! % Ðà 8 à3.€The€purpose€of€filing€a€chapter€7€case€is€to€obtain€a€discharge€of€your€existing€debts.€If,€however,€you€are€foundÐ a"ù & Ðto€have€committed€certain€kinds€of€improper€conduct€described€in€the€Bankruptcy€Code,€the€court€may€deny€your€dischargeÐ 9#Ñ!' Ðand,€if€it€does,€the€purpose€for€which€you€filed€the€bankruptcy€petition€will€be€defeated.Ð $©"( Ðà 8 à4.€Even€if€you€receive€a€general€discharge,€some€particular€debts€are€not€discharged€under€the€law.€Therefore,€youÐ é$#) Ðmay€still€be€responsible€for€most€taxes€and€student€loans;€debts€incurred€to€pay€nondischargeable€taxes;€domestic€supportÐ Á%Y$* Ðand€property€settlement€obligations;€most€fines,€penalties,€forfeitures,€and€criminal€restitution€obligations;€certain€debtsÐ ™&1%+ Ðwhich€are€not€properly€listed€in€your€bankruptcy€papers;€and€debts€for€death€or€personal€injury€caused€by€operating€a€motorÐ q' &, Ðvehicle,€vessel,€or€aircraft€while€intoxicated€from€alcohol€or€drugs.€€Also,€if€a€creditor€can€prove€that€a€debt€arose€fromÐ I(á&- Ðfraud,€breach€of€fiduciary€duty,€or€theft,€or€from€a€willful€and€malicious€injury,€the€bankruptcy€court€may€determine€that€theÐ !)¹'. Ðdebt€is€not€discharged.€Ð ù)‘(/ ÐÔ#†&ë_%%&ë_†#ÔÔ‡&ë_%%&ë_Ôò òòòÌà 8 àChapter€13óó:€€Repayment€of€All€or€Part€of€the€Debts€of€an€Individual€with€Regular€Income€($235€filing€fee,Ð ©+A*1 Ð$39€administrative€fee:€Total€fee€$274)ó óÐ ,+2 Ðà 8 à1.€Chapter€13€is€designed€for€individuals€with€regular€income€who€would€like€to€pay€all€or€part€of€Ð Y-ñ+3 Ðtheir€debts€in€installments€over€a€period€of€time.€€You€are€only€eligible€for€chapter€13€if€your€debts€do€not€exceed€certainÐ 1.É,4 Ðâ âdollar€amounts€set€forth€in€the€Bankruptcy€Code.Ð  /¡-5 ÐÖ€)ÿÿÖà 8 à2.€Under€chapter€13,€you€must€file€with€the€court€€a€plan€Ô#†&ë_%%&ë_#ÔÔ‡&ë_%%&ë_Ôto€repay€your€creditors€all€or€part€of€the€money€that€youÐ  Ðowe€them,€using€your€future€earnings.€The€period€allowed€by€the€court€to€repay€your€debts€may€be€three€years€or€five€years,Ð ôØ Ðdepending€upon€your€income€and€other€factors.€Ô#†&ë_%%&ë_Ô#ÔÔ‡&ë_%%&ë_Ô€The€court€must€approve€your€plan€before€it€can€take€effect.Р̰ Ðà 8 à3.€After€completing€the€payments€under€your€plan,€your€debts€are€generally€discharged€except€for€domestic€supportÐ ¤ˆ Ðobligations;€most€student€loans;€certain€taxes;€most€criminal€fines€and€restitution€obligations;€certain€debts€which€are€notÐ |` Ðproperly€listed€in€your€bankruptcy€papers;€certain€debts€for€acts€that€caused€death€or€personal€injury;€and€certain€long€termÐ T8 Ðsecured€obligations.Ð , ÐÌò òà 8 àòòChapter€11óó:€€Reorganization€($1000€filing€fee,€$39€administrative€fee:€Total€fee€$1039)ó óÐ Ü À Ðà 8 àChapter€11€is€designed€for€the€reorganization€of€a€business€but€is€also€available€to€consumer€debtors.€Its€provisionsÐ ´ ˜  Ðare€quite€complicated,€and€any€decision€by€an€individual€to€file€a€chapter€11€petition€should€be€reviewed€with€an€attorney.Ð Œ p  Ðò òÌà 8 àòòChapter€12óó:€€Family€Farmer€or€Fisherman€($200€filing€fee,€$39€administrative€fee:€Total€fee€$239)ó óÐ <  Ðà 8 àChapter€12€is€designed€to€permit€family€farmers€and€fishermen€to€repay€their€debts€over€a€period€of€time€from€futureÐ ø  Ðearnings€and€is€similar€to€chapter€13.€The€eligibility€requirements€are€restrictive,€limiting€its€use€to€those€whose€incomeÐ ìÐ  Ðarises€primarily€from€a€family„owned€farm€or€commercial€fishing€operation.Ô#†&ë_%%&ë_"#ÔÔ‡ &ë_%%&ë_Ôò òРĨ  ÐÌÔ#†&ë_%% &ë_<"#ÔÒÂàÒ3.€€òòBankruptcy€Crimes€and€Availability€of€Bankruptcy€Papers€to€Law€Enforcement€Officialsóóó óÐ tX ÐÌà  àA€person€who€knowingly€and€fraudulently€conceals€assets€or€makes€a€false€oath€or€statement€under€penalty€ofÐ $ Ðperjury,€either€orally€or€in€writing,€in€connection€with€a€bankruptcy€case€is€subject€to€a€fine,€imprisonment,€or€both.€€AllÐ üà Ðinformation€supplied€by€a€debtor€in€connection€with€a€bankruptcy€case€is€subject€to€examination€by€the€Attorney€GeneralÐ Ô¸ Ðacting€through€the€Office€of€the€United€States€Trustee,€the€Office€of€the€United€States€Attorney,€and€other€components€andÐ ¬ Ðemployees€of€the€Department€of€Justice.Ð „h Ðà  àà r àà Ê àà " àà z àà Ò àà * àà ‚ àà Ú àà 2 àÌò òWARNING:ó ó€Section€521(a)(1)€of€the€Bankruptcy€Code€requires€that€you€promptly€file€detailed€information€regarding€yourÐ 4 Ðcreditors,€assets,€liabilities,€income,€expenses€and€general€financial€condition.€€Your€bankruptcy€case€may€be€dismissed€ifÐ ô Ðthis€information€is€not€filed€with€the€court€within€the€time€deadlines€set€by€the€Bankruptcy€Code,€the€Bankruptcy€Rules,€andÐ èÌ Ðthe€local€rules€of€the€court.ò òó óÐ À¤ ÐÌò òÓ  ÓCertificate€of€[Non„Attorney]€Bankruptcy€Petition€Prepareró óÐ pT ÐÓö'ÓÔ‡ôøò%&ë_Ôà  àI,€the€[non„attorney]€bankruptcy€petition€preparer€signing€the€debtorððs€petition,€hereby€certify€that€I€delivered€to€the€debtor€thisÐ H, Ðnotice€required€by€ðð€342(b)€of€the€Bankruptcy€Code.Ô#†&ë_%òôød(#ÔÐ  ð  Ð________________________________________à0 * àà0‚*Ë%*Ë%àà0Ú‚Ë%‚Ë%à___________________________________Ðд!ÚË%ÚË% ÐÔ‡ôøò%&ë_ÔPrinted€name€and€title,€if€any,€of€Bankruptcy€Petition€PreparerÔ#†&ë_%òôø7*#Ôà0 * àà0‚*Ë%*Ë%àÔ‡ôøò%&ë_Ôà0Ú‚Ë%‚Ë%àSocial€Security€number€(If€the€bankruptcy€petitionШŒ"ÚË%ÚË% Ðà  àà r àà Ê àà " àà z àà Ò àà * àà ‚ àà0 Ú àpreparer€is€not€an€individual,€state€the€Social€Security€Ô#†&ë_%òôøØ*#ÔÔ‡ôøò%&ë_ÔÐl P#ÚË%ÚË% ÐAddress:à0 r àà0ÊrË%rË%àà0" ÊË%ÊË%àà0z " Ë%" Ë%àà0Òz Ë%z Ë%àà0*ÒË%ÒË%àà0‚*Ë%*Ë%àà0Ú‚Ë%‚Ë%ànumber€of€the€officer,€principal,€responsible€person,€orà @% àà @% àà @% àà @% àà @% àà @% àà @% àà @% àà @% à€Ô#†&ë_%òôø$,#ÔÔ‡ôøò%&ë_ÔÐ0!$ÚË%ÚË% Ð________________________________________à0 Ò àà * àà ‚ àà Ú àpartner€of€the€bankruptcy€petition€preparer.)€€(RequiredÔ#†&ë_%òôøÊ-#ÔÔ‡ôøò%&ë_ÔÐô!Ø%ÒË%ÒË% Ðà  àà r àà Ê àà " àà z àà Ò àà0 * àà0‚*Ë%*Ë%àà0Ú‚Ë%‚Ë%àby€11€U.S.C.€ðð€110.)Ô#†&ë_%òôø».#ÔÔ‡ôøò%&ë_Ôи"œ&ÚË%ÚË% ÐX_______________________________________à0 Ò àà0*ÒË%ÒË%àà0‚*Ë%*Ë%àà0Ú‚Ë%‚Ë%àÐ|#` 'ÚË%ÚË% ÐSignature€of€Bankruptcy€Petition€Preparer€or€officer,Ð @$$!( Ðprincipal,€responsible€person,€or€partner€whose€SocialÐ %è!) ÐSecurity€number€is€provided€above.Ð È%¬"* ÐÔ#†&ë_%òôø¯/#ÔÌò òÓ  ÓCertificate€of€the€Debtoró óÐ d'H$, ÐÓo1ÓÔ‡ôøò%&ë_Ôà  àI€(We),€the€debtor(s),€affirm€that€I€(we)€have€received€and€read€this€notice.Ð <( %- ÐÌ_________________________________________à0 Ò àà0*ÒË%ÒË%àà0‚*Ë%*Ë%àX___________________________________ÐÄ)¨&/‚Ë%‚Ë% ÐPrinted€Name(s)€of€Debtor(s)à0 " àà0z " Ë%" Ë%àà0Òz Ë%z Ë%àà0*ÒË%ÒË%àà0‚*Ë%*Ë%àSignature€of€Debtorà0Š‚Ë%‚Ë%àà0âŠË%ŠË%àDateЈ*l'0âË%âË% ÐÌCase€No.€(if€known)€____________________à0 Ò àà0*ÒË%ÒË%àà0‚*Ë%*Ë%àX___________________________________Ð,ô(2‚Ë%‚Ë% Ðà  àà r àà Ê àà " àà z àà Ò àà * àà ‚ àSignature€of€Joint€Debtor€(if€any)à0 â àDateÐÔ,¸)3âË%âË% ÐÔ#†&ë_%òôø¼1#Ôâ â