Bankr.FormW.1

See,R.I.LBR3015-1(Rev.4/1/14)

UNITEDSTATESBANKRUPTCYCOURTFORTHEDISTRICTOFRHODEISLAND

INRE:CHAPTER13

CASENO.

Debtor(s)

CHAPTER13PLANANDAPPLICABLEMOTIONSDESIGNATEDBELOW:

( )MOTIONTOAVOIDLIEN(S)

( )MOTIONTOMODIFYSECUREDCLAIM(S)( )MOTIONTOASSUME/REJECTLEASE(S)

Ifyouopposeanyprovisionofthisplanand/oranymotionscontainedwithin,youMUSTFILEATIMELY WRITTEN OBJECTION. This plan and any motions contained within may beconfirmedandbecomebindingonyouwithoutfurthernoticeorhearingunlessawrittenobjectionisfilednolaterthanseven(7)daysbeforethehearingdateonconfirmation,whichisscheduledfor

.

Yourobjectiontoconfirmationmustincludethespecificreasonsforyourobjection,andmustbefiledwiththeCourtnolaterthanseven(7)daysbeforethehearingdateonconfirmation. SeeR.I.LBR3015-

3(b)(1). IfyoumailyourobjectiontoconfirmationtotheCourtforfiling,youmustmailitearlyenoughsothattheCourtwillreceiveitonorbeforethedeadlinestatedabove. Youmustalsoserveacopyofyourobjectiontoconfirmationonthedebtor(s),theattorneyforthedebtor(s),andtheChapter13trusteeattheiraddressesastheyarelistedinthenoticeofthemeetingofcreditors.

Ifyouoryourattorneydonottakethesesteps,theCourtmaydecidethatyoudonotopposetheproposedplanofthedebtor(s),includinganymotionscontainedintheplan,andmayenteranorderconfirmingtheplanandgrantingthemotions. Anycreditor’sfailuretotimelyobjecttoconfirmation of the proposed plan or any of the above checked motions shall constitute thecreditor’sacceptanceofthetreatmentofitsclaimasproposed,pursuantto11U.S.C.Section

1325(a)(5)(A).

Inre:

PLANPROVISIONS

BKNo.

DISCHARGE:(Checkone)

[]ThedebtorwillseekadischargeofdebtspursuanttoSection1328(a).

[ ]ThedebtorisnoteligibleforadischargeofdebtsbecausethedebtorhaspreviouslyreceivedadischargedescribedinSection1328(f).

NOTICEOFSPECIALPROVISIONS:(Checkifapplicable)

[ ]ThisplancontainsspecialprovisionsthatarenotincludedinthestandardplanasapprovedbytheU.S.BankruptcyCourtfortheDistrictofRhodeIsland.ThoseprovisionsaresetoutintheOTHERPLANPROVISIONSsectionofthisplan.

I.PLANPAYMENTS

A. Paymentsbythedebtorof$ permonthfor months.Pursuantto11U.S.C.§1326(a)(1),unlesstheCourtordersotherwise,thedebtorshallcommencemakingpaymentsnotlaterthan30(thirty)daysafterthedateofthefilingoftheplanortheorderforrelief,whicheverisearlier

B. Inadditiontotheabovespecifiedplanpayments,otherlumpsumpaymentsfromanysource

(describespecifically)shallbepaidtothetrusteeasfollows:

C. Foramendedplans:

(1) Theplanpaymentsbythedebtorshallconsistofthetotalamountpreviouslypaid($ )

addedtothenewmonthlypaymentintheamountof$ fortheremaining monthsoftheplan

foratotalbaseamount,asamended,of$

above.

,plusotherpaymentsandpropertystatedinParagraphB

(2) Thepaymentamountshallchangeeffective .

D. Paymentstothetrusteeshallbesenttothefollowingaddress:

OfficeoftheStandingChapter13Trustee

P.O.Box2561

Providence,RhodeIsland02906

II. ADMINISTRATIVECOSTS

A.Attorney’sFees.Theattorneyforthedebtor(s)hasreceived$

ofthetotalinitial

attorneyfeeof$

.Theremainderoftheinitialfeeshallbepaidthroughtheplan.

Theattorneyforthedebtor(s)requestsadditionalpaymentintheamountof$

for

representingthedebtorintheCourt’slossmitigationprogram,oralossmitigationprogramoutsideoftheCourt.Thisfeewillbepaidthroughtheplan.

Therefore,thetotalattorneyfeetobereceivedinthiscasewillbe$ .

B.Trustee’sCosts.Thetrusteeshallbeentitledtoreimbursementof feesandcostsuptothestatutorymaximumoneachdisbursementmadebythetrustee,regardlessofwhetheritispaidpriortoorfollowingconfirmation.

2

III. FILINGOFPROOFSOFCLAIM

A.Thetrusteeshallonlydistributepayments,includingadequateprotectionpayments,tocreditorswhohaveactuallyfiledproofsofclaim(includingadequateproofofsecurity)withtheCourtthataredeemedallowedpursuantto11U.S.C.Section502(a),exceptassetforthinSectionIVB(1)below.

B.ThetrusteeshallmailpaymentsandprovidenoticestotheaddressprovidedonthefiledproofofclaimoramendedproofofclaimorfilednameoraddresschangeorassignmentortransferofclaimfiledwiththeCourt.

IV. SECUREDCLAIMS

A.MortgagesandOtherDirectPaymentsbyDebtor.Paymentswillbemadeoutsidetheplanaccordingtotheoriginalcontractterms,withnomodificationofcontracttermsandwithliensretained.

NameofCreditor / DescriptionofCollateral / ContractualMonthlyPayments / PrincipalBalanceofClaim / ContractRateofInterest
$ / $ / %
$ / $ / %
$ / $ / %
$ / $ / %

B. PrepetitionArrearages.

(1) ForpurposesofthisPlan,PrepetitionArrearagesshallincludeallsumsincludedintheallowedclaimandshallhavea“0”balanceuponentryoftheDischargeOrderinthiscase.IntheeventthataSecuredCreditorlistedinthissectionfailstotimelyfileaproofofclaiminthiscase,bythisPlantheDebtorshallbedeemedtohavetimelyfiledaproofofclaimonbehalfofeachsuchSecuredCreditorpursuantto11U.S.C.§501(c),intheamountsetforthbelowinparagraph(4)below.

(2) NointerestwillbepaidonPrepetitionArrearagesunlessotherwisestated.

(3) PaymentsmadebytheTrusteeonDebtor’sPrepetitionArrearagesshallbeappliedonlytothosePrepetitionArrearagesandnottoanyotheramountowedbyDebtortotheSecuredCreditor.

(4) InformationRegardingtheArrearages:

SecuredCreditor / Descriptionof Collateral
IncludingAddress / ArrearageAmount / TotaltobepaidinPlan
$ / $ / $
$ / $ / $

(5) IfDebtorpaystheamount(s)specifiedinsection(4)(above),whilemakingallrequiredPostpetitionPayments(seebelow),Debtor’smortgagewillbereinstatedaccordingtoitsoriginalterms,extinguishinganyrightoftheSecuredCreditortorecoveranyamountallegedtohavearisenpriortothefilingofDebtor’spetition.

Checkifapplicable:

[] MotiontoModifySecuredClaims

Thedebtor(s)herebymovestheCourttovaluethecollateralofeachofthecreditorsdescribedinSectionCbelow(exceptthosecreditorswhoseclaimsareclassifiedtobepaiddirectlyortobepaidinfullbytheChapter13TrusteewhereSection506(a)doesnotapply)atthecollateralvaluestated.Totheextentthattheamountofthedebtofanysuchcreditorexceedsthestatedcollateralvalue,thedebtor(s)herebymovestheCourtthatsaiddifferencebetreatedintheChapter13planasageneralunsecuredclaimwithoutpriority. Thedebtor(s)furthermovestheCourtthatthelienofeachcreditorlisteduponthecollaterallistedhereinabovebesatisfieduponpaymentofthecollateralvalueandtheissuanceofthedebtor(s)discharge.

PursuanttoR.I.LBR3015-1(c)(1),iftheplanincludesamotiontomodifysecuredclaim,theplanmustbeservedinaccordancewiththerequirementsofLBR9013-3(b)(1).

C. SecuredClaimsPaidAccordingtoModifiedTerms. Theseamountswillbepaidintheplanaccordingtomodifiedterms,andliensretaineduntilentryofdischarge.Theexcessof

thecreditor’sclaimwillbetreatedasanunsecuredclaim.Anyclaimlistedas“NOVALUE”inthe“ModifiedPrincipalBalance”columnbelowwillbetreatedasanunsecuredclaim.THELIENSWILLBEAVOIDEDORLIMITEDINTHEPLANORANADVERSARYACTIONWILLBEFILEDUNDERSECTION506(a)TODETERMINETHEEXTENT,VALIDITY,ANDPRIORITYOFTHELIEN(Selectmethodinlastcolumn):

NameofCreditor / DescriptionofCollateralincludingAddress
andwhetheraPrimaryResidence / ValueofCollateral / ModifiedPrincipalBalance / Interest
Rate / TotalPlan
Payments / MortgagePosition(1st,2nd,
3rd) / IsAppraisalattachedtoPlan? / Plan*orAdversaryAction?
$ / $ / %
$ / $ / %
$ / $ / %
$ / $ / %

*PLANINDICATESTHATTHEDEBTORPROPOSESTOAVOIDORLIMITTHELIENOFTHECREDITORINTHISPLAN.CONFIRMATIONOFTHEPLANSHALLCONSTITUTEAFINDINGOFVALUATIONPURSUANTTOSECTION506(a).NOADVERSARYCOMPLAINTORFURTHERMOTIONWILLBEFILEDANDTHELIENWILLBEAVOIDED.IFTHECREDITORWISHESTOCONTESTTHEAVOIDANCEOFTHELIEN,THECREDITORMUSTFILEANOBJECTIONTOTHEABOVEMOTIONTOMODIFYSECUREDCLAIMANDTHISPLAN.OTHERWISECONFIRMATIONOFTHEPLANWILLAVOIDTHELIEN.

D. SurrenderofCollateral

NameofCreditor / DescriptionofCollateraltobeSurrendered

Checkifapplicable:

[] MotiontoAvoidJudicialLiens

JudgmentswereobtainedbythecreditorslistedbelowincasesbeforetheRhodeIslandStateCourts,andsaidjudgmentshavebeenrecordedintheRegistryofDeedsintherespectivecityortownhallasfollows:

Creditor JudgmentBook Registry JudgmentDate DateofRecording Amount

AndPage

1.

2.

Theabove-statedjudgmentscreatedliensontherealpropertyinwhichthedebtor(s)hasan

interest,whichrealpropertyismorespecificallydescribedasvalueofthedebtor(s)’sinterestinthisrealpropertyis$

. The

.Theaforesaidliensconstitute

judicialliensunder11U.S.C.Section522(f)(1). Thepropertywhichthisjudiciallienencumbersispropertywhichthedebtor(s)isentitledtoexemptunder11U.S.C.Section522andtheclaimedamount

ofthisexemptionis$

. Theexistenceofthisjudiciallienimpairstheexemptionto

whichthedebtor(s)isentitledunderR.I.G.L.9-26-4orasotherwiseappliedunderapplicablestatelaw.

Thedebtor(s)respectfullymovestheCourttoissueanorderavoidingthejudicialliensupontherealpropertydescribedherein,effectiveupondischarge.

PursuanttoR.I.LBR4003-2(b),iftheplanincludesamotiontoavoidlien,itmustbeservedinaccordancewiththerequirementsofLBR9013-3(b)(2).

E. LienAvoidance.Thedebtormovestoavoidtheliensofthefollowingcreditorspursuantto

Section522(f):

NameofCreditor / DescriptionofCollateral

V.PRIORITYCLAIMS

PRIORITYCLAIMS.Allclaimsentitledtopriorityunder11U.S.C.Section507and1322shallbepaidinfullindeferredcashpayments,exceptforpriorityclaimsunderSection507(a)(1)(B),unlesstheholderoftheparticularclaimagreestoadifferenttreatmentofsuchclaim.

A. DomesticSupportObligations(“DSOs”)AllpostpetitionDSOs,includingpostpetitionDSOsassignedtoagovernmentalunit,willbepaiddirectlytotheholderbythedebtor(s)ortotheassigneeoftheclaimandnotthroughtheChapter13Trusteeunlessotherwisespecifiedunderthe“OtherPlanProvisions”sectionoftheplan.

1. [ ]None

2. [ ]DSOapplies.

B. DSOPrepetitionArrearagesOwedtoDSOHoldersUnder11U.S.C.Section507(a)(1)(A),orassignedtoagovernmentalunit,tobepaidinfullthroughtheChapter 13plan.

1. [ ]None

2. NameofholderAmountofArrearage

(i)(ii)

C. PriorityClaimsOtherThanDSOs.

AllpriorityclaimsotherthanDSOsshallbepaidinfullonaproratabasisafterthepaymentinfullofallDSOpriorityclaims.

1. [ ]None

2. Thenamesandamountsofallclaimsentitledtopriorityunder11U.S.C.Section507,otherthanDSOs:

NameClaimAmount

(i)(ii)

VI. UNSECUREDCLAIMS

GeneralUnsecuredClaimsNotSeparatelyClassified.Generalunsecuredclaimsshallbepaidonaproratabasiswithpaymentstocommenceafterthepaymentofalladministrative,securedandpriorityunsecuredclaimsinfull.

A. ClaimsofUnsecuredNonpriorityCreditorsSpeciallyClassified. Includesunsecuredclaims,suchasco-signedunsecureddebts,thatwillbepaidinfulleventhoughallotherunsecuredclaimsmaynotbepaidinfull.

NameofCreditor / ReasonforSpecial
Classification / Amountof
Claim / Interest
Rate / Total
Payment

B. ClaimsofGeneralUnsecuredCreditors.Thedebtorestimatesthatatotalof$ willbeavailablefordistributiontounsecuredcreditorsonaproratabasis,whichrepresentsanestimateddividendof %oftheirclaims.Thispercentageisforcalculationpurposesonly.ThePlanprovidesforaspecificsetamounttobepaidintotheplan,notapercentageofthedebt.Thedebtorcalculatesthataminimumof$ mustbepaidtounsecuredcreditorsinordertocomplywiththeliquidationtestforconfirmationandthedebtorcalculatesthataminimumof$ mustbepaidtounsecured,non-prioritycreditorsinordertocomplywiththeMeansTest.

Checkifapplicable:

[] MotiontoAssumeorRejectExecutoryContractsandUnexpiredLeases

A. Thedebtor(s)movestoassumeorrejectthefollowingexecutorycontractsandunexpiredleases.Ifassumed,paymentsdueafterthefilingofthecasewillbepaiddirectlybythedebtor(s)ratherthanbythetrustee.

B. Unlessotherwiseprovided,thedebtor(s)proposestopromptlycureanypre-bankruptcydefaultsontheassumedleasesorcontractsoveraperiodof months,withsaidpaymentstobemadebythetrustee.

IfAssumed,Amountof

CreditorAssumeorRejectArrearagepaidinPlan

1.

2.

VII. EXECUTORYCONTRACTSANDUNEXPIREDLEASES

EXECUTORYCONTRACTSANDUNEXPIREDLEASES.Thefollowingexecutorycontractsandunexpiredleasesareassumed(andprepetitionarrearstobecuredintheplan)orrejected(soindicate):

NameofCreditor / Descriptionof
Collateral / Monthly
Payment / Interest
Rate / Prepetition
Arrears / Total
Payment / Assume/
Reject

VIII.CALCULATIONOFPLANPAYMENT

A. Securedclaims(SectionIVTotal): $ B. Priorityclaims(SectionVTotal): $ C. Administrativeclaims(SectionIITotal): $ D. Generalunsecuredclaims(SectionVITotal):$ E. Separatelyclassifiedunsecuredclaims

(SectionIVATotal):$

F. Totalof(A)through(E)above: $

G. Divide(F)by.90fortotalcostincludingChapter13trustee’sfee(thisrepresentsthetotalamounttobepaidintotheChapter13plan):

TotalCostofPlan:$

H. Divide(G)CostofPlanbyTermofPlan: months

I. Rounduptonearestdollar:

MonthlyPlanPayment:$ (enterthisamountonpage2)

A.RealEstate:

IX. LIQUIDATIONANALYSIS

AddressFairMarket ValueRecordedLiens(ScheduleD)

$$

$$

TotalNetEquityinRealProperty:$ LessExemptions(ScheduleC): $ AmountAvailableinaChapter7: $

B.Automobile(Describeyear,makeandmodel):

Value$Lien$Exemption$

Value$Lien$Exemption$

NetValueofEquity: / $
LessExemptions(ScheduleC): / $
AmountAvailableChapter7: / $

C.AllOtherAssets(allremainingitemsonScheduleB):(Itemizeasnecessary)Value:$ LessExemptions(ScheduleC):$ AvailableChapter7: $

SUMMARY(TotalamountavailableunderChapter7)--calculatedbaseduponNetEquity(Aand

B)plusOtherAssets(C)lessanyclaimedexemptions:

TOTALAMOUNTAVAILABLEUNDERCHAPTER7: $ AdditionalCommentsregardingLiquidationAnalysis:

X. GENERALPROVISIONS

1. Unlessotherwiseordered,anycreditorholdingaclaimsecuredbypropertywhichisremovedfromtheprotectionoftheautomaticstay,whetherbyjudicialaction,voluntarysurrender,orthroughoperationoftheplan,willreceivenofurtherdistributionfromthetrustee,unlessanitemizedproofofclaimforanydeficiencyisfiledwithinone-hundredtwenty(120)days(orsuchotherperiodastheCourtorders)aftertheremovalofthepropertyfromtheprotectionoftheautomaticstay.Forpurposeshereof,theremovaldateshallbethedateoftheentryoftheorderconfirmingtheplan,modifyingtheplan,orgrantingrelieffromstay,asapplicable. Thisalsoappliestocreditorswhomayclaimaninterestin,orlienupon,propertywhichisremovedfromtheprotectionoftheautomaticstayofanotherlienholderorreleasedtoanotherlienholder.

2. Ifaclaimislistedintheplanassecuredandthecreditorfilesaproofofclaimasanunsecuredcreditor,thecreditorshallbetreatedasunsecuredforpurposesofdistributionandforanyotherpurposeundertheplan.

3. UnlessotherwiseorderedbytheCourt,allpropertyoftheestateasdefinedin11U.S.C.§§

541and1306,including,butnotlimitedtoanyappreciationinthevalueofrealpropertyownedbythe

Debtor(s)asofthecommencementofthecase,shallremainpropertyoftheestateduringthetermofthePlanandshallvestintheDebtor(s)onlyuponclosingofthecase.AllpropertyoftheestateshallremainwithintheexclusivejurisdictionoftheBankruptcyCourt.

4. Confirmationoftheplanshallimposeadutyontheholdersand/orservicersofclaimssecuredbyliensonrealpropertytoapplythepaymentsreceivedfromthetrusteeontheprepetitionarrearages,ifany,onlytosucharrearages;todeemtheprepetitionarrearagesascontractuallycuredbyconfirmation;toapplythedirectmortgagepayments,ifany,paidbythetrusteeorbythedebtor(s)tothemonthinwhichtheyweremadeundertheplanordirectlybythedebtor(s),whethersuchpaymentsareimmediatelyappliedtotheloanorplacedintosometypeofsuspenseaccount;tonotifythetrustee,thedebtor(s)andtheattorneyforthedebtor(s)ofanychangesintheinterestrateforanadjustableratemortgageandtheeffectivedateoftheadjustment;tonotifythetrustee,thedebtor(s)andattorneyforthedebtor(s)ofanychangeinthetaxesandinsurancethatwouldeitherincreaseorreducetheescrowportionofthemonthlymortgagepayment;andtootherwisecomplywith11U.S.C.Section524(i).

5. AllcontractualprovisionsregardingarbitrationoralternativedisputeresolutionarerejectedinconnectionwiththeadministrationofthisChapter13case.

XI.ADDITIONALCREDITORDUTIES

AdditionalTermsApplicabletoCreditors-SeeFederalRuleofBankruptcyProcedure

3002.1-NoticeRelatingtoClaimsSecuredbySecurityInterestintheDebtor’sPrincipal

Residence.

XII.ADDITIONALDEBTORDUTIES

1. Insurance.Debtorshallmaintaininsuranceasrequiredbylaw,contract,securityagreementor

Orderofthiscourt.

2. PaymentRecordstoTrustee. Debtorshallkeepandmaintainrecordsofpaymentsmadeto

Trustee.

3. PaymentRecordstoSecuredCreditor(s). Debtorshallkeepandmaintainrecordsofpost-petitionpaymentsmadetoSecuredCreditor(s).

4. DomesticSupportObligation(s). Under11U.S.C.§1325(a)(8)and§1328(a),ifthedebtorowesdomesticsupportobligations,whetherowedatthetimeoffilingorincurredduringthependencyofthebankruptcycase,thedebtormustfileacertificationwiththeChapter13Trusteestatingthatallsuchpaymentsdueundertheplanhavebeenpaidbeforeadischargeordermayenter. Debtorshallmaintainarecordofalldomesticsupportobligationpaymentspaiddirectlytotherecipientpursuanttoaseparationagreement,divorcedecree,applicablechildsupportcollectionunitorderorothercourt’sorder.

5. ChangeinAddress.DebtormustnotifythecourtandtheTrusteeiftheaddressorcontactinformationchangesduringthependencyofthecase. Notificationmustbemadeinwritingwithinfourteen(14)daysofwhenthechangetakesplace.

6. DisposalofProperty.TheDebtor(s)shallnottransfer,sell,encumber,orotherwisealienatepropertyoftheestatewithavalueofmorethan$1,000otherthaninaccordancewiththeconfirmedPlanorotherorderoftheBankruptcyCourt.TheDebtorshallberesponsibleforpreservingandprotectingallpropertyoftheestate.

XIII. OTHERPLANPROVISIONS

LOSSMITIGATION:(Optional)

ThissectionappliesonlytotheDebtor’sRealPropertyUsedasaPrincipalResidence.

Bycheckingthisbox,theDebtorexpressesaninterestindiscussinglossmitigation(suchasaloanmodification,loanrefinance,shortsale,orsurrenderinfullsatisfaction)concerningtheDebtor’sRealPropertyUsedasaPrincipalResidence. Listthepropertyand/ortheSecuredCreditor(s)below:

TheDebtorherebypermitstheSecuredCreditor(s)listedabovetocontact(checkallthatapply):[]TheDebtordirectly.

[] Debtor’sbankruptcycounsel.[ ] Other:

(DebtorisnotrequiredtodismissthisbankruptcyPetitionduringthelossmitigationdiscussions.Anyagreementreachedduringthelossmitigationdiscussionsmaybeapprovedpursuanttoanamendedplan,andthetermsmaybesetforthinSectionXIII,above.)

PLANSERVICEANDSIGNATURES:

PursuanttotheR.I.LBR3015-1(b),theDebtororhis/hercounselisrequiredtoserveacopyoftheChapter13PlanupontheChapter13Trustee,allcreditorsandinterestedparties,andtofileacertificateofserviceaccordingly.Inaddition,iftheDebtorhasincludedaMotiontoModifySecuredClaimand/oraMotiontoAvoidLieninthisplan,theDebtormustalsocomplywiththeservicerequirementscontainedinR.I.LBR.9013-3(b).

Debtor’scounselDate

Address

Telephone#:

I/WedeclareunderpenaltyofperjurythattheinformationprovidedintheChapter13Plan,includinganyapplicableMotion(s)toModifySecuredClaims;Motion(s)toAvoidCertainLiens;MotiontoValueCollateral;andMotion(s)forAssumptionandRejectionofExecutoryContractsandUnexpiredLeases,astoallmatterssetforthherein,aretrueandcorrecttothebestofourknowledgeandbelief:

DebtorDate

JointDebtorDate