L. Cruz # 2019-30971-hcm

U.S. Bankruptcy Court Texas Western District (El Paso)

Case Summary


Title: L. Cruz
District: Texas Western Bankruptcy Court
Division: El Paso
Type: bk
Asset: ***
Vol: *
Trustee: Cox 
Chapter: 13
Entered: 2019-06-12
Filed: 2019-06-12
Debtor Class: **********
Nature of debt: ********
Fee: ****
Judge: ****

Chapter 13 Bankruptcy Information


Chapter 13 bankruptcy is a way to reorganize debt and pay creditors in a manner that is manageable by the debtor. Chapter 13 is different from Chapter 7, which liquidates unsecured debts and no payments are made. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor's current monthly income is less than the applicable Texas state median, the plan will be for three years unless the court approves it can be longer. If the debtor's current monthly income is greater than the applicable Texas state median, the plan generally must be for five years. Any individual, even if self-employed or operating an unincorporated business, is eligible for chapter 13 relief as long as the individual's unsecured debts are less than $394,725 and secured debts are less than $1,184,200. These amounts are adjusted periodically to reflect changes in the consumer price index. A corporation or partnership may not be a chapter 13 debtor. You can read about more here about 11 U.S. Code 109 - Who may be a debtor.

Party Summary


L******* Cruz (Debtor
***** ********* ***
** **** **, *****

represented by: ***** * ******* *** *******
M****** ********* F******
**** *******
** **** **, *****
Phone: (**) ***-****
Email: *************@*******.***
Cox / US Trustee
*** ** ******** ***** ***
**** *** ****
San Antonio TX, 78295-1539
**********
   

Docket Summary

Date Doc # Description
08/14/2019 14BNC Certificate of Mailing
[BNC Certificate of Mailing]
08/12/2019 13BK-Regarding Objection to Confirmation of Plan(pdf)
[BK-Regarding Objection to Confirmation of Plan(pdf)]
08/09/2019 12Financial Management Course Certificate - First Debtor Only
[Financial Management Course Certificate - First Debtor Only]
07/29/2019 11Objection to Confirmation of Plan
[Objection to Confirmation of Plan]
07/18/2019 13 Trustee's 341 Proceeding Memo (Austin, El Paso, San Antonio, Midland)
07/08/2019 10Notice Request (batch)
[Notice Request (batch)]
06/27/2019 9BNC Certificate of Mailing
[BNC Certificate of Mailing]
06/27/2019 8Order-Pay Wages
[Order-Pay Wages]
06/24/2019 13 341 Meeting of Creditors (batch) (F) (NO PDF)
06/13/2019 ICC-Fee Paid
06/12/2019 1Voluntary Petition Chapter 13
[Voluntary Petition Chapter 13]
06/12/2019 2Chapter 13 Plan
[Chapter 13 Plan]
06/12/2019 3Declaration for Electronic Filing (Restricted Document)
[Declaration for Electronic Filing (Restricted Document)]
06/12/2019 4Certificate of Budget and Credit Counseling-First Debtor Only
[Certificate of Budget and Credit Counseling-First Debtor Only]
06/12/2019 5Chapter 13 Statement of Monthly Income B122C-1
[Chapter 13 Statement of Monthly Income B122C-1]
06/12/2019 6Payment Advices
[Payment Advices]

For more information you can read more about chapter 13s here Chapter 13 Bankruptcy Basics

They also have a pretty good video on the types of bankruptcy which we have provided below

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