Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 1 of 56
`
`Fill in this information to identify your case:
`
`United States Bankruptcy Court for the:
`
`DISTRICT OF NEW JERSEY
`
`Case number (if known)
`
`Chapter you are filing under:
`(cid:134) Chapter 7
`(cid:134) Chapter 11
`(cid:134) Chapter 12
`(cid:132) Chapter 13
`
`(cid:134) Check if this an
`amended filing
`
`Official Form 101
`Voluntary Petition for Individuals Filing for Bankruptcy
`12/17
`The bankruptcy forms use you and Debtor 1 to refer to a debtor filing alone. A married couple may file a bankruptcy case together—called a joint
`case—and in joint cases, these forms use you to ask for information from both debtors. For example, if a form asks, “Do you own a car,” the answer
`would be yes if either debtor owns a car. When information is needed about the spouses separately, the form uses Debtor 1 and Debtor 2 to distinguish
`between them. In joint cases, one of the spouses must report information as Debtor 1 and the other as Debtor 2. The same person must be Debtor 1 in
`all of the forms.
`
`Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. If
`more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer
`every question.
`
`About Debtor 1:
`
`About Debtor 2 (Spouse Only in a Joint Case):
`
`Richard
`First name
`
`Allen
`Middle name
`
`First name
`
`Middle name
`
`Cheney
`Last name and Suffix (Sr., Jr., II, III)
`
`Last name and Suffix (Sr., Jr., II, III)
`
`Part 1:
`
`Identify Yourself
`
`1.
`
`Your full name
`
`Write the name that is on
`your government-issued
`picture identification (for
`example, your driver's
`license or passport).
`
`Bring your picture
`identification to your
`meeting with the trustee.
`
`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
`Individual Taxpayer
`Identification number
`(ITIN)
`
`xxx-xx-9282
`
`Official Form 101
`
`Voluntary Petition for Individuals Filing for Bankruptcy
`
`page 1
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 2 of 56
`
`Debtor 1 Richard Allen Cheney
`
`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
`used in the last 8 years
`
`(cid:132) I have not used any business name or EINs.
`
`(cid:134) I have not used any business name or EINs.
`
`Include trade names and
`doing business as names
`
`Business name(s)
`
`EINs
`
`Business name(s)
`
`EINs
`
`5. Where you live
`
`If Debtor 2 lives at a different address:
`
`405 Madison Ave
`Dunellen, NJ 08812
`Number, Street, City, State & ZIP Code
`
`Middlesex
`County
`
`Number, Street, City, State & ZIP Code
`
`County
`
`If your mailing address is different from the one
`above, fill it in here. Note that the court will send any
`notices to you at this mailing address.
`
`If Debtor 2's mailing address is different from yours, fill it
`in here. Note that the court will send any notices to this
`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
`this district to file for
`bankruptcy
`
`Check one:
`
`Check one:
`
`(cid:132) Over the last 180 days before filing this petition,
`I have lived in this district longer than in any
`other district.
`
`(cid:134) Over the last 180 days before filing this petition, I
`have lived in this district longer than in any other
`district.
`
`(cid:134) I have another reason.
`Explain. (See 28 U.S.C. § 1408.)
`
`(cid:134) I have another reason.
`Explain. (See 28 U.S.C. § 1408.)
`
`Official Form 101
`
`Voluntary Petition for Individuals Filing for Bankruptcy
`
`page 2
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 3 of 56
`
`Debtor 1 Richard Allen Cheney
`
`Case number (if known)
`
`Tell the Court About Your Bankruptcy Case
`Part 2:
`7.
`The chapter of the
`Bankruptcy Code you are
`choosing to file under
`
`Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy
`(Form 2010)). Also, go to the top of page 1 and check the appropriate box.
`(cid:134) Chapter 7
`(cid:134) Chapter 11
`(cid:134) Chapter 12
`(cid:132) Chapter 13
`
`8. How you will pay the fee (cid:134) 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.
`(cid:132) 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).
`(cid:134) 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 8 years?
`
`(cid:134) No.
`(cid:132) Yes.
`
`10. Are any bankruptcy
`cases pending or being
`filed by a spouse who is
`not filing this case with
`you, or by a business
`partner, or by an
`affiliate?
`
`(cid:132) No
`(cid:134) Yes.
`
`11. Do you rent your
`residence?
`
`(cid:132) No.
`(cid:134) Yes.
`
`Trenton
`
`District
`District
`District
`
`10/06/15
`
`When
`When
`When
`
`Case number
`Case number
`Case number
`
`15-28865-KCF
`
`Debtor
`District
`Debtor
`District
`
`Go to line 12.
`
`When
`
`When
`
`Relationship to you
`Case number, if known
`Relationship to you
`Case number, if known
`
`Has your landlord obtained an eviction judgment against you?
`No. Go to line 12.
`Yes. Fill out Initial Statement About an Eviction Judgment Against You (Form 101A) and file it as part of
`this bankruptcy petition.
`
`(cid:134)
`(cid:134)
`
`Official Form 101
`
`Voluntary Petition for Individuals Filing for Bankruptcy
`
`page 3
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
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`
`Debtor 1 Richard Allen Cheney
`
`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
`business?
`
`Go to Part 4.
`
`(cid:132) No.
`
`A sole proprietorship is a
`business you operate as
`an individual, and is not a
`separate legal entity such
`as a corporation,
`partnership, or LLC.
`If you have more than one
`sole proprietorship, use a
`separate sheet and attach
`it to this petition.
`
`(cid:134) Yes.
`
`Name and location of business
`
`Name of business, if any
`
`Number, Street, City, State & ZIP Code
`
`Check the appropriate box to describe your business:
`Health Care Business (as defined in 11 U.S.C. § 101(27A))
`(cid:134)
`Single Asset Real Estate (as defined in 11 U.S.C. § 101(51B))
`(cid:134)
`Stockbroker (as defined in 11 U.S.C. § 101(53A))
`(cid:134)
`Commodity Broker (as defined in 11 U.S.C. § 101(6))
`(cid:134)
`None of the above
`(cid:134)
`
`13. Are you filing under
`Chapter 11 of the
`Bankruptcy Code and are
`you a small business
`debtor?
`
`For a definition of small
`business debtor, see 11
`U.S.C. § 101(51D).
`
`If you are filing under Chapter 11, the court must know whether you are a small business debtor so that it can set appropriate
`deadlines. If you indicate that you are a small business debtor, you must attach your most recent balance sheet, statement of
`operations, cash-flow statement, and federal income tax return or if any of these documents do not exist, follow the procedure
`in 11 U.S.C. 1116(1)(B).
`
`(cid:132) No.
`
`(cid:134) No.
`
`(cid:134) Yes.
`
`I am not filing under Chapter 11.
`
`I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy
`Code.
`
`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
`property that poses or is
`alleged to pose a threat
`of imminent and
`identifiable hazard to
`public health or safety?
`Or do you own any
`property that needs
`immediate attention?
`
`(cid:132) No.
`(cid:134) Yes.
`
`What is the hazard?
`
`If immediate attention is
`needed, why is it needed?
`
`For example, do you own
`perishable goods, or
`livestock that must be fed,
`or a building that needs
`urgent repairs?
`
`Where is the property?
`
`Number, Street, City, State & Zip Code
`
`Official Form 101
`
`Voluntary Petition for Individuals Filing for Bankruptcy
`
`page 4
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
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`
`Debtor 1 Richard Allen Cheney
`Part 5:
`Explain Your Efforts to Receive a Briefing About Credit Counseling
`About Debtor 1:
`You must check one:
`(cid:132) I received a briefing from an approved credit
`counseling agency within the 180 days before I
`filed this bankruptcy petition, and I received a
`certificate of completion.
`Attach a copy of the certificate and the payment
`plan, if any, that you developed with the agency.
`
`15. Tell the court whether
`you have received a
`briefing about credit
`counseling.
`
`The law requires that you
`receive a briefing about
`credit counseling before
`you file for bankruptcy.
`You must truthfully check
`one of the following
`choices. If you cannot do
`so, you are not eligible to
`file.
`
`If you file anyway, the court
`can dismiss your case, you
`will lose whatever filing fee
`you paid, and your
`creditors can begin
`collection activities again.
`
`Case number (if known)
`
`About Debtor 2 (Spouse Only in a Joint Case):
`You must check one:
`(cid:134) I received a briefing from an approved credit
`counseling agency within the 180 days before I filed
`this bankruptcy petition, and I received a certificate of
`completion.
`Attach a copy of the certificate and the payment plan, if
`any, that you developed with the agency.
`
`(cid:134) I received a briefing from an approved credit
`counseling agency within the 180 days before I filed
`this bankruptcy petition, but I do not have a certificate
`of completion.
`Within 14 days after you file this bankruptcy petition, you
`MUST file a copy of the certificate and payment plan, if
`any.
`
`(cid:134) I certify that I asked for credit counseling services
`from an approved agency, but was unable to obtain
`those services during the 7 days after I made my
`request, and exigent circumstances merit a 30-day
`temporary waiver of the requirement.
`To ask for a 30-day temporary waiver of the requirement,
`attach a separate sheet explaining what efforts you made
`to obtain the briefing, why you were unable to obtain it
`before you filed for 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
`filed for bankruptcy.
`If the court is satisfied with your reasons, you must still
`receive a briefing within 30 days after you file. You must
`file a certificate from the approved agency, along with a
`copy of the payment plan you developed, if any. If you do
`not do so, your case may be dismissed.
`Any extension of the 30-day deadline is granted only for
`cause and is limited to a maximum of 15 days.
`
`(cid:134) I am not required to receive a briefing about credit
`counseling because of:
`
`(cid:134) Incapacity.
`I have a mental illness or a mental deficiency that
`makes me incapable of realizing or making rational
`decisions about finances.
`
`(cid:134) Disability.
`My physical disability causes me to be unable to
`participate in a briefing in person, by phone, or
`through the internet, even after I reasonably tried to
`do so.
`
`(cid:134) Active duty.
`I am currently on active military duty in a military
`combat zone.
`If you believe you are not required to receive a briefing
`about credit counseling, you must file a motion for waiver
`of credit counseling with the court.
`
`(cid:134) I received a briefing from an approved credit
`counseling agency within the 180 days before I
`filed this bankruptcy petition, but I do not have
`a certificate of completion.
`Within 14 days after you file this bankruptcy
`petition, you MUST file a copy of the certificate and
`payment plan, if any.
`
`(cid:134) I certify that I asked for credit counseling
`services from an approved agency, but was
`unable to obtain those services during the 7
`days after I made my request, and exigent
`circumstances merit a 30-day temporary waiver
`of the requirement.
`To ask for a 30-day temporary waiver of the
`requirement, attach a separate sheet explaining
`what efforts you made to obtain the briefing, why
`you were unable to obtain it before you filed for
`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 filed for bankruptcy.
`If the court is satisfied with your reasons, you must
`still receive a briefing within 30 days after you file.
`You must file a certificate from the approved
`agency, along with a copy of the payment plan you
`developed, if any. If you do not do so, your case
`may be dismissed.
`Any extension of the 30-day deadline is granted
`only for cause and is limited to a maximum of 15
`days.
`(cid:134) I am not required to receive a briefing about
`credit counseling because of:
`
`(cid:134) Incapacity.
`I have a mental illness or a mental deficiency
`that makes me incapable of realizing or
`making rational decisions about finances.
`
`(cid:134) Disability.
`My physical disability causes me to be
`unable to participate in a briefing in person,
`by phone, or through the internet, even after I
`reasonably tried to do so.
`
`(cid:134) Active duty.
`I am currently on active military duty in a
`military combat zone.
`If you believe you are not required to receive a
`briefing about credit counseling, you must file a
`motion for waiver credit counseling with the court.
`
`Official Form 101
`
`Voluntary Petition for Individuals Filing for Bankruptcy
`
`page 5
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 6 of 56
`
`Debtor 1 Richard Allen Cheney
`
`Case number (if known)
`
`16a.
`
`Part 6: Answer These Questions for Reporting Purposes
`16. What kind of debts do
`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.”
`(cid:134) No. Go to line 16b.
`(cid:132) Yes. Go to line 17.
`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.
`(cid:134) No. Go to line 16c.
`(cid:134) Yes. Go to line 17.
`State the type of debts you owe that are not consumer debts or business debts
`
`16b.
`
`16c.
`
`17. Are you filing under
`Chapter 7?
`
`(cid:132) No.
`
`I am not filing under Chapter 7. Go to line 18.
`
`Do you estimate that
`after any exempt
`property is excluded and
`administrative expenses
`are paid that funds will
`be available for
`distribution to unsecured
`creditors?
`
`18. How many Creditors do
`you estimate that you
`owe?
`
`19. How much do you
`estimate your assets to
`be worth?
`
`20. How much do you
`estimate your liabilities
`to be?
`
`Part 7:
`
`Sign Below
`
`For you
`
`(cid:134) 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?
`
`(cid:134) No
`(cid:134) Yes
`
`(cid:132) 1-49
`(cid:134) 50-99
`(cid:134) 100-199
`(cid:134) 200-999
`
`(cid:134) $0 - $50,000
`(cid:134) $50,001 - $100,000
`(cid:132) $100,001 - $500,000
`(cid:134) $500,001 - $1 million
`
`(cid:134) $0 - $50,000
`(cid:134) $50,001 - $100,000
`(cid:132) $100,001 - $500,000
`(cid:134) $500,001 - $1 million
`
`(cid:134) 1,000-5,000
`(cid:134) 5001-10,000
`(cid:134) 10,001-25,000
`
`(cid:134) 25,001-50,000
`(cid:134) 50,001-100,000
`(cid:134) More than100,000
`
`(cid:134) $1,000,001 - $10 million
`(cid:134) $10,000,001 - $50 million
`(cid:134) $50,000,001 - $100 million
`(cid:134) $100,000,001 - $500 million
`
`(cid:134) $1,000,001 - $10 million
`(cid:134) $10,000,001 - $50 million
`(cid:134) $50,000,001 - $100 million
`(cid:134) $100,000,001 - $500 million
`
`(cid:134) $500,000,001 - $1 billion
`(cid:134) $1,000,000,001 - $10 billion
`(cid:134) $10,000,000,001 - $50 billion
`(cid:134) More than $50 billion
`
`(cid:134) $500,000,001 - $1 billion
`(cid:134) $1,000,000,001 - $10 billion
`(cid:134) $10,000,000,001 - $50 billion
`(cid:134) More than $50 billion
`
`I have examined this petition, and I declare under penalty of perjury that the information provided is true and correct.
`
`If I have chosen to file under Chapter 7, I am aware that I may proceed, if eligible, under Chapter 7, 11,12, or 13 of title 11,
`United States Code. I understand the relief available under each chapter, and I choose to proceed under Chapter 7.
`
`If no attorney represents me and I did not pay or agree to pay someone who is not an attorney to help me fill out this
`document, I have obtained and read the notice required by 11 U.S.C. § 342(b).
`
`I request relief in accordance with the chapter of title 11, United States Code, specified in this petition.
`
`I understand making a false statement, concealing property, or obtaining money or property by fraud in connection with a
`bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both. 18 U.S.C. §§ 152, 1341, 1519,
`and 3571.
`/s/ Richard Allen Cheney
`Richard Allen Cheney
`Signature of Debtor 1
`
`Signature of Debtor 2
`
`Executed on March 26, 2018
`MM / DD / YYYY
`
`Executed on
`
`MM / DD / YYYY
`
`Official Form 101
`
`Voluntary Petition for Individuals Filing for Bankruptcy
`
`page 6
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 7 of 56
`
`Debtor 1 Richard Allen Cheney
`
`Case number (if known)
`
`For your attorney, if you are
`represented by one
`
`If you are not represented by
`an attorney, you do not need
`to file this page.
`
`I, the attorney for the debtor(s) named in this petition, declare that I have informed the debtor(s) about eligibility to proceed
`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)
`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
`schedules filed with the petition is incorrect.
`
`/s/ Bruce C. Truesdale
`Signature of Attorney for Debtor
`
`Bruce C. Truesdale
`Printed name
`Abelson & Truesdale
`Firm name
`147 Union Ave Suite 1E
`Middlesex, NJ 08846
`Number, Street, City, State & ZIP Code
`
`Contact phone
`BT 0928
`Bar number & State
`
`Date
`
`March 26, 2018
`MM / DD / YYYY
`
`Email address
`
`Official Form 101
`
`Voluntary Petition for Individuals Filing for Bankruptcy
`
`page 7
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
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`
`Fill in this information to identify your case:
`Richard Allen Cheney
`First Name
`
`Debtor 1
`
`Debtor 2
`(Spouse if, filing)
`
`First Name
`
`Middle Name
`
`Middle Name
`
`Last Name
`
`Last Name
`
`United States Bankruptcy Court for the:
`
`DISTRICT OF NEW JERSEY
`
`Case number
`(if known)
`
`(cid:134) 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
`
`1.
`
`Schedule A/B: Property (Official Form 106A/B)
`1a. Copy line 55, Total real estate, from Schedule A/B................................................................................................
`
`1b. Copy line 62, Total personal property, from Schedule A/B.....................................................................................
`
`1c. Copy line 63, Total of all property on Schedule A/B...............................................................................................
`
`Part 2:
`
`Summarize Your Liabilities
`
`2.
`
`3.
`
`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...
`
`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.................................
`
`3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F............................
`
`Your total liabilities $
`
`Part 3:
`
`Summarize Your Income and Expenses
`
`4.
`
`5.
`
`Schedule I: Your Income (Official Form 106I)
`Copy your combined monthly income from line 12 of Schedule I................................................................................
`
`Schedule J: Your Expenses (Official Form 106J)
`Copy your monthly expenses from line 22c of Schedule J..........................................................................
`
`Part 4:
`
`Answer These Questions for Administrative and Statistical Records
`
`Your assets
`Value of what you own
`
`$
`
`$
`
`$
`
`251,550.00
`
`6,150.00
`
`257,700.00
`
`Your liabilities
`Amount you owe
`
`$
`
`$
`
`$
`
`$
`
`$
`
`393,000.00
`
`2,000.00
`
`11,704.00
`
`406,704.00
`
`6,940.84
`
`5,827.00
`
`6. Are you filing for bankruptcy under Chapters 7, 11, or 13?
`(cid:134) 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.
`
`(cid:132) Yes
`7. What kind of debt do you have?
`
`(cid:132) 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.
`
`(cid:134) 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.
`Summary of Your Assets and Liabilities and Certain Statistical Information
`Official Form 106Sum
`Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com
`
`Best Case Bankruptcy
`
`page 1 of 2
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 9 of 56
`
`Debtor 1 Richard Allen Cheney
`
`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.
`
`$
`
`12,990.78
`
`9. Copy the following special categories of claims from Part 4, line 6 of Schedule E/F:
`
`From Part 4 on Schedule E/F, copy the following:
`
`9a. Domestic support obligations (Copy line 6a.)
`
`9b. Taxes and certain other debts you owe the government. (Copy line 6b.)
`
`9c. Claims for death or personal injury while you were intoxicated. (Copy line 6c.)
`
`9d. Student loans. (Copy line 6f.)
`
`9e. Obligations arising out of a separation agreement or divorce that you did not report as
`priority claims. (Copy line 6g.)
`
`9f. Debts to pension or profit-sharing plans, and other similar debts. (Copy line 6h.)
`
`9g. Total. Add lines 9a through 9f.
`
`Total claim
`
`$
`
`$
`
`$
`
`$
`
`$
`
`+$
`
`$
`
`0.00
`
`2,000.00
`
`0.00
`
`0.00
`
`0.00
`
`0.00
`
`2,000.00
`
`Official Form 106Sum
`
`Summary of Your Assets and Liabilities and Certain Statistical Information
`Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com
`
`page 2 of 2
`
`Best Case Bankruptcy
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 10 of 56
`
`Fill in this information to identify your case and this filing:
`Richard Allen Cheney
`First Name
`
`Debtor 1
`
`Middle Name
`
`Debtor 2
`(Spouse, if filing)
`
`First Name
`
`Middle Name
`
`United States Bankruptcy Court for the: DISTRICT OF NEW JERSEY
`
`Case number
`
`Last Name
`
`Last Name
`
`(cid:134) 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?
`
`Do not deduct secured claims or exemptions. Put
`the amount of any secured claims on Schedule D:
`Creditors Who Have Claims Secured by Property.
`
`What is the property? Check all that apply
`Single-family home
`Duplex or multi-unit building
`Condominium or cooperative
`
`(cid:132) (cid:134) (cid:134)
`
`Current value of the
`Current value of the
`portion you own?
`entire property?
`$251,550.00
`$251,550.00
`Describe the nature of your ownership interest
`(such as fee simple, tenancy by the entireties, or
`a life estate), if known.
`
`Manufactured or mobile home
`Land
`(cid:134) Investment property
`(cid:134) Timeshare
`(cid:134) Other
`Who has an interest in the property? Check one
`(cid:134) Debtor 1 only
`(cid:134) Debtor 2 only
`(cid:134) Debtor 1 and Debtor 2 only
`(cid:134) Check if this is community property
`(cid:132) 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:
`
`(cid:134) (cid:134)
`
`(cid:134) No. Go to Part 2.
`(cid:132) Yes. Where is the property?
`
`1.1
`
`405 Madison Ave
`Street address, if available, or other description
`
`Dunellen
`City
`
`NJ
`State
`
`08812-0000
`ZIP Code
`
`Middlesex
`County
`
`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...........................................................................=>
`Part 2: Describe Your Vehicles
`
`$251,550.00
`
`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
`
`(cid:132) No
`(cid:134) Yes
`
`Official Form 106A/B
`Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com
`
`Schedule A/B: Property
`
`page 1
`Best Case Bankruptcy
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 11 of 56
`
`Debtor 1
`
`Richard Allen Cheney
`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
`
`Case number (if known)
`
`(cid:132) No
`(cid:134) 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.............................................................................=>
`
`$0.00
`
`Part 3: Describe Your Personal and Household Items
`Do you own or have any legal or equitable interest in any of the following items?
`
`6. Household goods and furnishings
`Examples: Major appliances, furniture, linens, china, kitchenware
`(cid:134) No
`(cid:132) Yes. Describe.....
`
`Current value of the
`portion you own?
`Do not deduct secured
`claims or exemptions.
`
`Household Goods and Furnishings
`
`$2,500.00
`
`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
`
`(cid:134) No
`(cid:132) Yes. Describe.....
`
`Laptop and 2 TV's
`
`$1,500.00
`
`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
`
`(cid:132) No
`(cid:134) 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
`
`(cid:132) No
`(cid:134) Yes. Describe.....
`
`10. Firearms
`Examples: Pistols, rifles, shotguns, ammunition, and related equipment
`(cid:132) No
`(cid:134) Yes. Describe.....
`
`11. Clothes
`Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories
`(cid:134) No
`(cid:132) Yes. Describe.....
`
`Clothing
`
`12. Jewelry
`Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver
`(cid:134) No
`(cid:132) Yes. Describe.....
`
`Wedding Ring
`
`Official Form 106A/B
`Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com
`
`Schedule A/B: Property
`
`$200.00
`
`$700.00
`
`page 2
`Best Case Bankruptcy
`
`

`

`Case 18-15874-KCF Doc 1 Filed 03/26/18 Entered 03/26/18 15:57:21 Desc Main
` Document Page 12 of 56
`
`Debtor 1
`
`Richard Allen Cheney
`
`13. Non-farm animals
`Examples: Dogs, cats, birds, horses
`(cid:132) No
`(cid:134) Yes. Describe.....
`
`Case number (if known)
`
`14. Any other personal and household items you did not already list, including any health aids you did not list
`(cid:132) No
`(cid:134) 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 ..............................................................................
`
`$4,900.00
`
`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
`(cid:134) No
`(cid:132) Yes................................................................................................................
`
`Cash
`
`$25.00
`
`17. Deposits of money
`Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses, and other similar
`institutions. If you have multiple accounts with the same institution, list each.
`
`(cid:134) No
`(cid:132) Yes........................
`
`Institution name:
`
`17.1. Checking
`
`Bank Of America
`
`17.2. Checking
`
`Motion Fed Credit Union
`
`17.3. Savings
`
`Bank of America
`
`18. Bonds, mutual funds, or publicly traded stocks
`Examples: Bond funds, investment accounts with brokerage firms, money market accounts
`(cid:132) No
`(cid:134) Yes..................
`
`Institution or issuer name:
`
`$600.00
`
`$400.00
`
`$225.00
`
`19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership, and
`joint venture
`(cid:132) No
`(cid:134) 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.
`(cid:132) No
`(cid:134) Yes. Give specific information about them
`Issuer name:
`
`Official Form 106A/B
`Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com
`
`Schedule A/B: Property
`
`page 3
`Best Case Bankru