Filing Documents Under Seal

(a) Court Order Required. Before filing any document under seal, a party must file a written motion consistent with § 107 explaining why the relief is necessary. The explanation must be as comprehensive as possible without disclosing the substance of the information to be filed under seal. If the motion is granted, the movant must conventionally file the document in a sealed envelope with a copy of the order attached to the envelope.

A sealed document may be filed unredacted. The Clerk will maintain the document under seal until further Court order. (b) Request for In Camera Review. In a motion requesting permission to file a document under seal, the moving party may include a request that the Court review the document in camera before deciding the motion.

Any such request must include an explanation as to how an in camera review will assist the Court in deciding whether the document should be filed under seal. If the Court grants a request for in camera review, the Court will establish procedures to ensure the confidentiality of the document and the fairness of the process. 52 Exhibit 1 Preparation of Creditor Matrix The following instructions will guide you to correctly format a creditor matrix and save it as a .txt file to upload in to the court’s Case Management/Electronic Filing (CM/ECF) System or for filing over-the-counter. A creditor matrix shall contain each creditor’s name and mailing address.

This information is used for noticing and also for claims information when applicable. Uploading in to CM/ECF: The creditor matrix must be in an ASCII file format with an appropriate text extension such as .txt before it can be successfully uploaded into the CM/ECF system. (If you have access to Notepad, it will automatically save matrices in .txt format). Filing Matrix Over-The-Counter: The matrix must list all creditors in a single column down the center of the page.

Creditor Matrix Specifications: and/or attorney for the debtor on the matrix) (Do not include the name and address of the debtor(s) (cid:1679) (cid:1679) (cid:1679) (cid:1679) (cid:1679) (cid:1679) (cid:1679) (cid:1679) (cid:1679) (cid:1679) (cid:1679) When preparing a matrix, there must be at least one blank line separating each creditor. The name and address of each creditor cannot be more than 5 lines. Each line may contain no more than 40 characters including blanks. One or more spaces in the first position of the address will cause that particular creditor to not be placed on the matrix.

Do not use special characters such as ~, ½ or ^. Account numbers or “attention” lines should be reflected on the second address line. City, State and Zip Code must appear on the last line. Nine-digit ZIP codes must contain a hyphen which separates the first five digits from the last four digits.

All states must be two-letter, standard postal abbreviations. Do not include page numbers, headers, footers, etc. Only the following fonts are acceptable: Courier, Helvetica, Arial or Times New Roman U.S. Bankruptcy Court-Western District of Michigan August, 2006 Exhibit 2 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN _______________ In re: ____________________, _________________________________/ Debtor(s). Case No. _________________ Chapter _____ Hon._____________________ VERIFICATION OF CREDITOR MATRIX I(we), hereby declare, under penalty of perjury, that the attached list of creditors is true and correct to the best of my(our) knowledge. Date: At: Attorney for the Debtor(s) - OR - Debtor Joint Debtor (if any) Exhibit 3 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN _______________ In re: _________________, Case No. _______________ Chapter 7 Hon. __________________ ________________________________________/ Debtor(s).

ASSET PROTECTION REPORT

Pursuant to Local Bankruptcy Rule 1007-2(d), debtors filing a Chapter 7 petition and debtors in a case converting to Chapter 7 must file an Asset Protection Report. List below any property referenced on Schedule D (Creditors Holding Secured Claims); or Schedule G (Executory Contracts and Unexpired Leases); and any insurable asset in which there is nonexempt equity. For each asset listed, provide the following information regarding property damage or casualty insurance: INSURABLE ASSET (from schedules) IS ASSET INSURED? (Yes/No) NAME AND ADDRESS OF AGENT OR INSURANCE CO. POLICY EXPIRATION DATE (MM/YYYY) WILL DEBTOR RENEW INSURANCE ON EXPIRATION?

(Yes/No) If the debtor is self-employed, does the debtor have general liability insurance for business activities? Yes No I declare, under penalty of perjury, that the above information is true and accurate to the best of my knowledge. I intend to provide insurance protection for any exemptible interests in real or personal property of the estate, and I request that the trustee not expend estate funds to procure insurance coverage for my exemptible assets. Dated: ______________________ _________________________________________________ Debtor Dated: ______________________ _________________________________________________ Joint Debtor (if any) Pursuant to LBR 1007-2(f), debtor is required to provide the trustee with a copy of the Declarations Page for any insurance policy covering an insurable asset at least 7 days before the date first set for the meeting of creditors.

Exhibit 4A UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN _______________ In re: ________________, Debtor(s). ________________________________________/ Case No. _________________ Chapter ______ Hon. _____________________ NOTICE TO CREDITORS AND OTHER PARTIES IN INTEREST OF AN APPLICATION FOR PROFESSIONAL FEES PURSUANT TO FED RULES OF BANKR. P. 2016 AND NOTICE OF THE RIGHT TO OBJECT NOTICE is hereby given that the following professional person has made application to the Bankruptcy Court for the allowances of fees and/or expenses as listed below: Professional (Name & Address) Fees Requested Expenses Requested Fees Previously Allowed by Court PLEASE NOTE: The application is available for public view at the Clerk’s Office, One Division North, Grand Rapids, Michigan Monday through Friday, from 8:00 a.m. to 4:00 p.m. No hearing will be set before the Court unless a written objection to this application is timely filed with the Clerk of the Bankruptcy Court. If you have any objection, you have 21 days from the date of service of this notice in which to file such written objection. If an objection is timely filed, a subsequent notice will be sent to you of the date, time and location of the hearing on the objection. ANY OBJECTION MUST BE TIMELY FILED WITH: United States Bankruptcy Court One Division Avenue North Grand Rapids, Michigan 49503 A copy of any objection must also be served upon [Name & Address of the Applicant or Attorney for the Applicant] Date Notice Served:____________ ______________________________ Applicant or Attorney Exhibit 4B UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN _______________ In re: __________________, ________________________________________/ Debtor(s).

Case No. _________________ Chapter 13 Proceeding Hon. _____________________ NOTICE TO CREDITORS AND OTHER PARTIES IN INTEREST OF APPLICATION FOR PROFESSIONAL FEES PURSUANT TO RULE 2016 - AND NOTICE OF RIGHT TO OBJECT Notice is hereby given that the following professional persons have made application to the Bankruptcy Court for the allowance of fees and expenses as listed below: Professional (Name & Address) Fees Requested Expenses Requested Fees Previously Allowed by Court The fees requested will be paid pursuant to the terms of the confirmed Chapter 13 Plan. Approval of the requested compensation is anticipated to have the following impact on unsecured creditors: ( ) Allowance of the fees will reduce the amount paid to general unsecured creditors. ( ) Allowance of the fees may delay payment to general unsecured creditors. ( ) Allowance of the fees should have no impact on the dividend to general unsecured creditors.

( ) Allowance of the fees will increase the plan length by ___ months, for a total of ___ months. ( ) Other: ____________________________________________________________________ PLEASE NOTE: The application is available for public review at the Clerk’s Office, (One Division North, Grand Rapids, MI 49503) or (202 West Washington Street, 3rd Floor, Marquette, MI 49855) Monday - Friday from 8:00 a.m. to 4:00 p.m. No hearing will be set before the Court unless a written objection to this application is timely filed with the Clerk of the Bankruptcy Court. If you have an objection, you have twenty-one (21) days from the date of this notice in which to file such written objection. In the event that an objection is filed, a subsequent notice will be sent to you of the date, time and location of the hearing on the objection.

Any Objection must be timely filed with: U.S. Bankruptcy Court, W.D. Mich. One Division Ave. NW, Room 200 Grand Rapids, MI 49503 A copy of any objection must also be served upon [Name and Address of the Applicant or Attorney for the Applicant] Date Notice Served: ____________ ______________________________ Applicant or Attorney Exhibit 5 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN MEMORANDUM REGARDING ALLOWANCE OF COMPENSATION AND REIMBURSEMENT OF EXPENSES FOR PROFESSIONALS UNDER 11 U.S.C. § 330(a) AS AMENDED EFFECTIVE JANUARY 1, 2024 The court has determined that it is in the interests of all debtors, creditors, and other parties in interest, and their respective attorneys, and the United States Trustee, that the following general guidelines regarding fee applications and reimbursement of expenses be established, published, and revised from time to time. 1.

2. 3. Professional persons include persons whose employment is approved by the United States Bankruptcy Court for the Western District of Michigan, pursuant to 11 U.S.C. §§ 327, 1103 and FED. R. BANKR. P. 2014, and counsel for debtors under chapter 12 and 13. The burden of proof regarding any fee application submitted by a professional person is upon the applicant.

Every application must succinctly itemize each activity, the date of the activity, the professional who performed the work, a description of both the nature and substance of the work, and the time expended thereon (the "itemization"). An itemization which lacks explanation of activities performed will be deemed inadequate and shall be non-compensable. In order for time spent on activities such as court appearances, preparation for court appearances, conferences, telephone calls, drafting documents, and research to be compensable, the nature and purpose of the activity must be stated. Time entries for telephone calls must list the person with whom the applicant spoke and give a brief description of the conversation.

Time entries for correspondence must state the addressee and give a brief explanation of the contents. Time entries involving documents must specify the specific document. Time entries for legal research must describe the matter or proceeding researched, and the legal issue that was researched. 4.

5. 6. 7. 8.

9. Applicants shall not attempt to circumvent minimum time requirements or any detail requirement by "lumping" or "bunching" a number of activities into a single itemization entry. Each type of service must be listed with a corresponding specific time which was spent on the activity. Time entries with unexplained abbreviations are non-compensable.

(Where abbreviations are used, an appendix explaining the abbreviations shall be attached.) Where computer time sheets are submitted to substantiate entries, a code key must be supplied, or the application will not be considered. In more complex petitions, a glossary of persons involved may be helpful. All applications shall state the case filing date, the chapter, whether conversion has occurred, and the date of conversion. The application must state the amount of any retainer paid, as well as the date of each previous application, the amount of compensation and expenses requested, the amount of compensation and expenses approved, the date of approval, and the amount previously received.

The application must also indicate the total hours charged and give a summary of the hours and hourly rate charged by each professional. All fee applications in a chapter 13 case shall comply with LBR 2016-2(d). The first fee application filed by a professional person in a case, whether preconfirmation or post-confirmation, shall itemize and document all services from the beginning of the case, including services covered by the "no look" fee described in paragraph 16. If more than one professional has charged time for activities such as intra-office conference or joint court appearances, the applicant must explain the need for each professional's participation in the activity.

All time listed must represent the actual time required to perform the activity and should be stated in tenths (0.10) of an hour. "Rounding up" of time or minimum time increments, e.g. 0.25 hours, is not permitted. The rate charged must be commensurate with the level of skill required for a particular task; for example, attorney rates or paralegal rates may not be charged for non-legal work, such as copying or delivering documents, preparing or filing proofs of service, or for trustee duties generally performed without the assistance of an attorney. When paralegals are utilized to perform legal services for an estate or debtor (in chapter 12 and 13 cases), they may be compensated as paraprofessionals rather than treated as an overhead expense.

10. No fees shall be allowed for general research on law well known or that should be well known to practitioners in the area of law involved. 11. Reasonable time spent by an attorney in preparing and reviewing an application for compensation may be compensable.

If compensation for this task exceeds an amount equal to one hour of attorney time, the court may schedule a hearing for an explanation and justification demonstrating that the amount of time spent is reasonable. Conversely, an amount equal to one hour of attorney time for this task is not an entitlement to that amount, and in many simple, straightforward applications, an amount equal to less than one hour of attorney time may be reasonable. 12. The court will consider whether tasks performed within a reasonable number of hours and whether the requested hourly rate is reasonable based upon the customary rate charged by experienced practitioners.

13. Except as otherwise allowed by statute, e.g., 11 U.S.C. § 330(a)(4)(8), the court will not allow compensation for services which do not benefit the debtor's estate; for example, fees for reading the work product of another attorney simply as a matter of interest or performing legal services mainly beneficial to the debtor, or the debtor's principals. 14. An application for reimbursement of expenses must explicitly list each expense, its date incurred/paid, and a general description of the nature and purpose of the expense.

For example, requests for mileage must include the date, destination, miles, per mile rate, and the reason for the trip. Professionals should utilize the most economical method for necessary expenses; for example, coach air fare, moderately priced accommodations, and commercial firm duplication for large number of copies. Courier service, express mail service and fax transmissions should not be used routinely, but, if used, should be as a result of justifiable reasons including time constraints. 15.

Although the State Bar of Michigan does not require attorneys to participate in continuing legal education ("CLE"), the judges of this court continue to encourage bankruptcy CLE. The Clerk may maintain a list of attorneys who have attended CLE for each calendar year. Those attorneys who fail to attend CLE in any given calendar year may be required to attend fees hearings. 16.

In view of the court's continued interest in promoting and rewarding attorney CLE, the court shall utilize a sliding scale to award compensation to chapter 13 debtors' attorneys. Commencing January 1, 2024, and continuing until modified or rescinded, the court may approve a "no look" fee in an amount not to exceed $3,400.00 (a $225.00 per hour presumptive hourly rate) for services rendered through confirmation. Attorneys who have and continue to personally attend bankruptcy education seminars (with at least seven hours of legal education attended) during the calendar year immediately prior to the date the chapter 13 was filed and who certify in writing as to the seminar(s) attended, and thus have attained chapter 13 expertise, may be awarded a "no look" fee up to $4,100.00 (a $300.00 per hour presumptive hourly rate) for services rendered through confirmation. Attorneys who achieve and maintain certification by the American Board of Certification ("ABC") may be awarded a "no look" fee up to $4,675 (a $350.00 per hour presumptive hourly rate).

These fees are not "entitlements" as there still may be simple consumer cases in which the attorney should request and will be awarded less than the "no look" fee stated above. Attorneys shall file with the court a copy of the fee agreement executed between the debtor and the debtor's attorney. If services are performed with a reasonable value in excess of the "no look" fees and are documented by the filing of an itemized fee application, covering both the initial "no look" fee awarded and the additional fees requested, upon review, the court may award fees in excess of the "no look" fees stated above. Post- confirmation fees may be awarded at the above presumptive hourly rates, provided attorneys annually attend the requisite CLE programs or remain certified.

An attorney seeking an hourly rate higher than the presumptive hourly rate may do so by application. See, for instance, In re Allison, 578 B.R. 782 (Bankr. W.D. Mich. 2018). This paragraph 16 shall apply as follows: (1) with respect to a "no look" fee, for cases filed on or after January 1, 2024, and (2) with respect to a presumptive hourly rate, for services performed on or after January 1, 2024, provided the attorney has personally attended bankruptcy education seminars (with at least seven hours of legal education attended) during the calendar year preceding the time period for which the presumptive hourly rate is sought.

To the extent this paragraph does not apply, paragraph 16 of the October 1, 2013 Memorandum shall apply. 17. In complicated chapter 13 cases, the hourly rate will be determined on a case-by- case basis and the court may approve a rate higher than the presumptive hourly rate. If an attorney seeks an hourly rate higher than the presumptive hourly rate, upon request and submission of an application, which sets forth with particularity why the case is complicated, and itemized statement, a hearing may be scheduled to permit the attorney to prove the "reasonableness" of the higher requested hourly rate.

The court will follow In re Boddy, 950 F.2d 334 (6th Cir. 1991); cf. In re Williams, 357 B.R. 434,439 (B.A.P. 6th Cir. 2007). 18.

The court may consider applications for fees and expenses on a notice and opportunity to object basis as permitted by the Local Bankruptcy Rules for the Bankruptcy Court for the Western District of Michigan. The court may, sua sponte, or upon the motion or objection of any party in interest or the United States Trustee after notice and hearing, order that payment of all, or some portion of, allowed interim fees be withheld for a specified period of time. Whenever Exhibit 6 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN _______________ CERTIFICATE REGARDING APPLICATIONS FOR ATTORNEY FEES BEYOND THE “NO LOOK” FEE IN ACCORDANCE WITH LBR 2016-2(D)(1) I, hereby certify that I have attended the below- referenced seminars or obtained certification by the American Board of Certification in accordance with LBR 2016-2(d)(1) and this Court’s fee memorandum effective January 1, 20(cid:21)1. Bankruptcy Educational Seminar(s) Attended: Date(s) of Attendance (cid:49)(cid:88)(cid:80)(cid:69)(cid:72)(cid:85) (cid:82)(cid:73) (cid:43)(cid:82)(cid:88)(cid:85)(cid:86) Description of Seminar(s) (i.e.: FBA, ABI, etc.) __________________ __________________ _________________________________________ __________________ __________________ _________________________________________ __________________ __________________ _________________________________________ __________________ __________________ _________________________________________ American Board Certification: Date of Certification: ________________________________ Dated: ____________________ __________________________________________ Attorney Name Address Telephone Number Bar ID: ______________________ Exhibit 7 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN _______________ In re: SSN: xxx-xx- Case No. ORDER TO EMPLOYER TO PAY THE TRUSTEE The Court finds that: 1.

The above-named debtor has a proceeding pending in this Court for a wage-earner’s plan under Chapter 13 of the Bankruptcy Code. Pursuant to the Code requirements and the debtor’s plan, the debtor has submitted all future earnings and wages to the exclusive jurisdiction of this Court for the purpose of consummating the plan. Under the provisions of §§ 1306(a)(2) and 1322(a)(1) of the Bankruptcy Code, the debtor’s employer may be required by court order to pay over that portion of the debtor’s wages or earnings as may be needed to effectuate the plan. Such an order is necessary and proper.

2. 3. 4.

NOW, THEREFORE, IT IS ORDERED: 1.

Until further order of this Court, the debtor’s employer: 2. 3. 4. 5.

6. 7. Dated: shall deduct from the debtor’s earnings $ per pay period, beginning on the next pay day following receipt of this Order. The debtor’s employer shall continue to deduct a similar amount from each subsequent pay period - including any pay period in which the debtor receives a periodic or lump-sum payment of vacation, termination, or other benefits arising out of the debtor’s present or past employment.

Debtor’s employer shall immediately remit the sums so deducted to the Trustee appointed in this case, or to his or her successor in interest, as follows: [Name and address of Chapter 13 Trustee’s Payment Account, and line for signature Approval of Chapter 13Trustee.] All of the debtor’s earnings and wages-except amounts required to be withheld by federal, state, or local law; by any insurance, pension, retirement, or union-dues agreement between the employer and the debtor; or by order of the court-must be paid to debtor in accordance with the employer’s usual payroll procedure. The employer shall notify the trustee if the debtor’s employment is terminated and shall state the reason for the termination. The employer may not make a deduction from the debtor’s earnings for any garnishment, wage assignment, credit union, or other purpose not specifically authorized by the Court; except the employer may make deductions for the Friend of the Court, if applicable, and (Other Possible Deductions). This order supersedes all previous orders, if any, that may have been directed to the above-referenced employer in this case.

The undersigned certifies that a copy of the foregoing Payroll Order was served by regular, first-class mail Clerk of the Court for Bankruptcy Judge addressed to the following: Trustee: Employer: Debtor: Attorney: See above See above Exhibit 8 UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MICHIGAN Debtor(s) , / Case No. Chapter 13 Hon. Filed: ORIGINAL CHAPTER 13 PLAN In re: PREAMBLE To Debtors: Plans that do not comply with local rules and judicial rulings may not be confirmable. In the following notice to creditors, you must check each box that applies. To Creditors: Your rights may be affected by this Plan. Your claim may be reduced, modified, or eliminated.

You should read this Plan carefully and discuss it with your attorney if you have one in this bankruptcy case. If you do not have an attorney, you may wish to consult one. If you oppose the Plan’s treatment of your claim, or any provision or paragraph of this Plan, you or your attorney must file an objection to confirmation at least 7 days before the date set for the hearing on confirmation, unless otherwise ordered by the Bankruptcy Court. The Bankruptcy Court may confirm this Plan without further notice if no objection to confirmation is filed.

See Fed. R. Bankr. P. 3015. In addition, you may need to file a timely proof of claim in order to be paid under any Plan. The following matters may be of particular importance. Debtors must check one box on each line to state whether or not the Plan includes each of the following items.

If an item is checked as “Not Included” or if both boxes are checked, the provision will be ineffective if set out later in the Plan. A limit on the amount of a secured claim, set out in Paragraphs III.C.1.c, III.C.1.h, and/or III.C.2.c, which may result in a partial payment or no payment at all to the secured creditor Avoidance of a judicial lien or nonpossessory, nonpurchase-money security interest, set out in Paragraph IV.R. Nonstandard provisions, set out in Paragraph IV.R. Included Not included Included Not included Included Not included I. PLAN PARAMETERS A. APPLICABLE COMMITMENT PERIOD (ACP) - 11 U.S.C. § 1325(b)(4). ( ) The ACP is 60 months. ( ) The ACP is 36 months.

However, the duration of payments may be extended to complete the Plan.

B. LIQUIDATION ANALYSIS.

1. Debtor(s) assert(s) the non-exempt equity in the case is $________________. 2. The liquidation value of the estate as required by 11 U.S.C. § 1325(a)(4) is $__________________.

This amount represents the calculation by the Debtor(s) of non-exempt equity in the case, minus priority unsecured claims and other allowable deductions. 1- Effective January 7, 2022 II.

FUNDING A. PLAN PAYMENT.

The Debtor(s) shall make payments in the amount of $__________ ( ) weekly, ( ) bi-weekly, ( ) semi- monthly, ( ) monthly for the minimum of the ACP, subject to changes as set forth in Paragraph II.B or II.C, below, or until further order of the Court.

B. ( ) FUTURE PLAN PAYMENT INCREASES.

The Debtor(s) shall increase payments by $___________ ( )weekly, ( ) bi-weekly, ( ) semi-monthly, ( ) monthly effective _______________________ due to ____________________________________________________________. The Debtor(s) shall increase payments by $____________ ( )weekly, ( ) bi-weekly, ( ) semi-monthly, ( ) monthly effective ______________________ due to ______________________________________________________________.

C. ( ) OTHER PLAN PAYMENT PROVISIONS.

Please see additional provisions under Paragraph IV.R for additional funding information (e.g. lump sum payments through sale of real property).

III.

DISBURSEMENTS A. ADMINISTRATIVE CLAIMS.

The Debtor(s) shall pay in full, in deferred cash payments, all allowed claims entitled to priority under 11 U.S.C. § 507, including: 1. Court filing fee. 2. Trustee fee.

3. Attorney fees exclusive of costs and expenses: An initial fee of $__________ less fees paid of $__________, leaving a fee balance in the amount of $__________ to be disbursed by the Trustee pursuant to the priorities set forth in paragraph IV.H of the Plan, unless otherwise marked below: a. ( ) Attorney fees shall be paid at the rate of $__________ per month until paid in full pursuant to Paragraph IV.H of the Plan. b. ( ) Attorney fees shall be paid after all necessary equal monthly payments on secured continuing claims, secured claims, assumed executory contract/unexpired lease claims which is a modification of Paragraph IV.H. 4. Expenses advanced to the Debtor(s) (paid by the attorney to the Clerk of the Court or the service provider) include: $__________ filing fee (enter amount or N/A); $__________ mandatory credit counseling or financial management class (enter amount or N/A); and $__________ other (explain and enter amount, or enter N/A).

B. PRIORITY CLAIMS.

1. Domestic Support Obligation (DSO) i: Prepetition DSO payment arrears as of the petition date shall be paid directly by the Debtor(s) unless marked below: ( ) by the Trustee. Mandatory information: Name of DSO Payee(s) Monthly Amount Estimated Arrears 2. a. Prepetition Priority Tax Claims: Prepetition priority tax claims are allowed claims entitled to priority under 11 U.S.C. § 507 and shall be paid in full by the Trustee. Mandatory information: i The Debtor(s) will comply with 11 U.S.C. § 1325(a)(8) and shall, prior to confirmation of the Plan, provide the Trustee with an affidavit or other evidence (e.g., wage deduction, a statement from friend of the court, or a statement from the recipient) that all post-petition, pre-confirmation DSO payments are current.

2- Effective January 7, 2022 Creditor Name Estimated Amountii Nature of Debt b. Post-Petition Priority Tax Claims: Absent objection, post-petition priority tax claims shall be paid in full pursuant to 11 U.S.C. § 1305(a)(1) and (b). Any portion of a post-petition claim under 11 U.S.C. § 1305 that is not paid through the Plan for whatever reason, including dismissal or conversion to Chapter 7, will remain non-dischargeable, even if the Debtor(s) receive(s) a discharge.

C. SECURED CLAIMS.

1. Real Property: a. Mortgage Payments: Unless otherwise stated, the Trustee shall commence paying the first post-petition mortgage payment on the first day of the month following the month of the petition date. b. Principal Residence Post-Petition Mortgage Payments and Prepetition Arrears: The following is the street address and the tax ID parcel no. for the principal residence of the Debtor(s): Residence address and tax parcel ID no. ____________________ Creditor Name Estimated Monthly Payment Amountiii Estimated Arrearsiv Taxes & Insurance Escrowed With Lender? Y/N Trustee Pay Y/N c. (____) Mortgage principal and interest on one or more mortgages on the principal residence to be paid in full over term of plan under 11 U.S.C. § 1322(c)(2). This/these mortgage(s) will no longer be treated as having ongoing, continuing mortgage payments under Paragraph IV.H.1.e, and will otherwise be paid as part of the class of creditors in Paragraph IV.H.1.f of the Plan.

Any other payment conditions will be set forth in Paragraph IV.R. d. Non-Residential Post-Petition Mortgage Payments and Prepetition Arrears: The following is the street address and the tax ID parcel no. for the non-residential real property of the Debtor(s): Property No. 1________________ __ Property No. 2___________ Creditor Name Estimated Monthly Payment Amountiii Estimated Arrearsiv Taxes & Insurance Escrowed With Lender? Y/N ii The amount stated is an estimate only and the proof of claim controls as to the amount of the claim. This provision does not preclude any party in interest from filing an objection to the claim. iii The monthly payment amount is an estimate and the Trustee shall pay the monthly payment amount based on the proof of claim as filed. The Plan authorizes the Trustee to make post-petition regular mortgage or land contract payments prior to the proof of claim being filed.

This provision does not preclude any party in interest from filing an objection to the claim. iv The amount of prepetition arrears is an estimate and the Trustee shall pay the prepetition arrears based on the proof of claim as filed. Any claim filed for prepetition arrears shall be paid through the Plan over a reasonable period of time and pro-rata with other secured creditors without interest. 3- Effective January 7, 2022 The treatment of any non-residential mortgage subject to “cram down,” and being paid in full over the life of the plan under 11 U.S.C. § 1322(c)(2) is set forth in Paragraph IV.R. e. Condominium Association Dues: Unless otherwise stated, the Trustee will calculate the payments due from the first day of the month following the month of the petition date. If the creditor appears in this section it will be paid as a real property secured creditor, even if the creditor also appears in Paragraph III.D dealing with executory contracts.

Condominium Association Name and Address Property Address Estimated Monthly Payment Amount Estimated Arrearsv f. Prepetition Real Property Tax Claims: Claims of taxing authorities on real property pursuant to State law will be paid pro-rata as set forth in Paragraph IV.H unless a fixed monthly payment is set forth below after the post-petition on- going mortgage payment(s). vi Taxing Authority Amount Delinquent Tax Years Optional Equal Monthly Payment g. Real Property Tax Escrow: The Debtor(s) will not utilize a tax escrow with the Trustee unless marked below. ( ) The Debtor(s) will utilize a tax escrow through the Plan. The Debtor(s) must provide the tax bill to the Trustee and verify taxes are paid each year until completion of the Plan. Tax escrow accounts will fund after on-going monthly mortgage payments but prior to other secured creditors.

Real Property Address Parcel Number Taxing Authority Monthly Escrow Amount h. Wholly Unsecured Claims: The following claims shall be treated as unsecured by this Plan because there is no equity in the property to secure the claim. Upon completion of the Plan, the lien shall be discharged and removed from the property. The Debtor(s) may move under Fed. R. Bankr. P. 7070, on notice to the holder of such a claim who refuses to release the lien, for an order declaring the lien released and for related relief. These claims are as follows: Property Address Creditor Claim Amount vii Property Senior Lien v The amount of prepetition arrears is an estimate and the Trustee shall pay the prepetition arrears based on the proof of claim as filed.

Any claim filed for prepetition arrears shall be paid through the Plan over a reasonable period of time and pro-rata with other secured creditors without interest. This provision does not preclude any party in interest from filing an objection to the claim. vi Any creditor in this class shall retain its lien on the real property pursuant to applicable State law and shall be entitled to receive its statutory interest and collection fees as set forth in its proof of claim. This provision does not preclude any party in interest from filing an objection to the claim. 4- Effective January 7, 2022 Value Amount 2.

Personal Property: a. Pre-Confirmation Adequate Protections Payments (APP): If the Trustee is to pay pre-confirmation APP the secured creditor’s name, address, the account number and the payment amount must be provided and it must be signified by entering the monthly payment amount in the box marked “Pre-Conf. APP” under b. or c. of this paragraph. The Trustee will not disburse an APP until a proof of claim is filed with documentation of a perfected lien satisfactory to the Trustee. b. Secured Claims Subject to Final Paragraph of 11 U.S.C. § 1325(a): Each secured creditor in this class has a lien that is not subject to 11 U.S.C. § 506. viii Claims in this class shall be paid as follows, plus an additional pro-rata amount that may be available from funds on hand, at an interest rate specified below, or the contract rate specified in the proof of claim, whichever is lower. Creditor, Address & Account No. Collateral Balance Owing Interest Rate Pre-Conf.

APP Equal Monthly Payment c. Secured Claims Subject to 11 U.S.C. § 506ix: Claims in this class shall be paid as follows, plus an additional pro-rata amount that may be available from funds on hand at an interest rate specified below, or the contract rate specified in the proof of claim, whichever is lower. Creditor will be paid the lesser of the balance due as a secured claim as set forth in the proof of claim, or the fair market value (FMV) of the collateral as a secured claim, with any balance due over FMV treated as a general unsecured claim. Creditor, Address & Collateral FMV Account No.x Interest Rate Pre-Conf. APP Equal Monthly Payment 3.

Secured Claims of Taxing Authorities: Secured claims of taxing authorities shall be paid as follows, plus an additional pro rata amount that may be available from funds on hand: Creditor & Address Collateral Real/Personal Property Secured Claim Amountxi Interest Ratexii Equal Monthly Payment vii This is the estimate of the Debtor(s) as to the amount owing to the creditor. The proof of claim shall control as to amount of the claim. This provision does not preclude any party in interest from filing an objection to the claim. viii Such a claim is not subject to “cramdown” and will be paid the full balance owing. If the collateral is a motor vehicle and is destroyed, the Debtor(s), with consent from the secured creditor and Trustee, or by order of the Court, may use the collateral insurance proceeds to purchase replacement collateral, to which the creditor’s lien shall attach. ix If the collateral is a motor vehicle and is destroyed, the Debtor(s), with consent from the secured creditor and Trustee or by order of the Court, may use the collateral insurance proceeds to purchase replacement collateral, to which the creditor’s lien shall attach. x If the creditor files a proof of claim with a balance owing which is different from the amount listed above, the proof of claim shall control as to the amount of the debt, unless a party in interest objects to the proof of claim. xi The amount stated is an estimate only and the proof of claim controls as to the amount of the claim.

This provision does not preclude any party in interest from filing an objection to the claim. xii The interest rate on tax claims that is in effect during the calendar month in which the plan is confirmed shall control. 11 U.S.C. § 511(b). The Trustee has the authority to make adjustments to its records to comply with the Bankruptcy Code. 5- Effective January 7, 2022 Creditor & Address Collateral Real/Personal Property Secured Claim Amountxi Interest Ratexii Equal Monthly Payment 4.

Collateral to Be Surrendered/Executory Contracts to Be Rejected: The property listed below is surrendered to the creditor, and the executory contracts/unexpired leases are rejected: Creditor Property/Contract Description The automatic stay shall be terminated upon entry of the confirmation order and any deficiency claim or claim arising from rejection shall be treated as a general unsecured claim, subject to Paragraph IV.G. Any co-debtor stay shall also be terminated upon entry of the confirmation order, absent a clear statement to the contrary in Paragraph IV.R. 5. Junior Lien Holders on Surrendered Property: If a creditor holding a junior lien has filed a secured proof of claim, such claim shall be treated as a general unsecured claim if the value of the property, set forth below in the column entitled “Property Value,” is equal to or less than the amount of the senior secured claim, absent an objection. These creditors are as follows: Creditor, Address & Account No. Property Address Claim Amountix Property Value Senior Lien Amount D. ASSUMED EXECUTORY CONTRACTS AND UNEXPIRED LEASES. The following executory contracts and/or unexpired leases, including land contract(s), are assumed: Non-Debtor Party’s Address & Account No. (indicate payee or payor) Property Description Monthly Payment Amount No. of Months Remaining Cure Amount E. 1.

DIRECT PAYMENT BY THE DEBTOR(S) OF THE FOLLOWING DEBTS.

All claims shall be paid by the Trustee unless listed herein: Creditor, Address & Account No. Collateral/Obligation Balance Owing Interest Rate 2. If the payments are being made by Debtor(s) as the disbursing agent on claims under Paragraph III.E.1, creditors may send regular payment statements or coupons as is customary or provided for under any applicable loan documents, except as may be limited by Paragraph IV.R of the Plan or by limitations prescribed in 12 C.F.R. § 1026.41 or other applicable Rules.

F. UNSECURED CREDITORS.

General Unsecured Creditors: Claims in this class are paid from funds available after payment to all other classes. The allowed claims of general unsecured creditors will be satisfied by: ( ) Payment of a dividend of 100%, plus present value of _____% interest, if necessary to satisfy 11 U.S.C. § 1325(a)(4), OR 6- Effective January 7, 2022 ( ) Payment of a pro-rata share of a fixed amount of $__________ or payment from all disposable income to be received by the Debtor(s) in the ACP, whichever pays more. This fixed amount shall be reduced by additional administrative expenses including attorney fees approved under 11 U.S.C. § 330(a). However, this fixed amount shall not be reduced below the liquidation value specified in Paragraph I.B.2 G. SPECIAL UNSECURED CREDITORS.

The special unsecured claims listed below are an exception pursuant to 11 U.S.C. § 1322(b)(1) and may include, but are not limited to, non-sufficient funds (NSF) checks, continuing professional services and non- dischargeable debts (e.g., student loans, criminal fines). xiii These special unsecured claims shall be paid as follows: In a 36 month ACP case with the base to general unsecured creditors paid within 36 months, the special unsecured creditors will be paid pro rata with other general unsecured claims during the first 36 months and then that portion of the special unsecured creditor’s claim that can be paid during the remainder of the 60 months from the date the first Plan payment is due will be paid exclusive of all other general unsecured claims during the remaining 60 months. In a 36 month ACP case with the base to general unsecured creditors paid beyond 36 months, the special class unsecured creditors will be paid pro rata with other general unsecured claims during the first 36 months and until the specific fixed base amount to the general unsecured creditors is satisfied and then that portion of the special unsecured creditor’s claim that can be paid during the remainder of the 60 months from the date the first Plan payment is due will be paid exclusive of all other general unsecured claims during the remaining 60 months. In a 60 month ACP case, special unsecured creditors will be paid pro rata with the general unsecured creditors during the 60 months. Special Unsecured Creditor Name Reason For Special Treatment Interest Rate if Paid in Full IV.

GENERAL PROVISIONS A. DISPOSABLE INCOME, TAX RETURNS & TAX REFUNDS.

Debtor(s) submit(s) all or such portion of future earnings or other future income of Debtor(s) to the supervision and control of the Trustee as is necessary for the execution of the Plan. Unless this Plan provides for a dividend of 100% to all allowed general unsecured claims, the Debtor(s) shall pay all disposable income as defined in 11 U.S.C. § 1325(b) during the ACP. Unless otherwise provided in this Plan, Debtor(s) shall remit to the Trustee tax returns and tax refunds and other disposable income for the ACP for administration pursuant to the Plan or as otherwise ordered by the Court. Income tax refunds and other disposable income paid to the Trustee in a Plan with a 36 month ACP will operate to decrease the term of the Plan to the ACP but not below the 36 month ACP, rather than increase the dividend paid to general unsecured creditors.

The Debtor(s) shall continue the same level of tax deductions as when the case was filed except as affected by changes in dependents and/or marital status. Based on the disposable income available, the Trustee shall have the discretion without further notice to creditors to: 1. Increase the percentage to the unsecured creditors as a result of additional payments made under this provision subject to the limitation set forth in this Paragraph; 2. Reduce the term of the Plan but not below the ACP; and 3.

Determine if available funds are not disposable income when the Debtor(s) provide(s) the Trustee with supporting documentation.

B. VESTING OF ESTATE PROPERTY.

Upon confirmation of the Plan, all property of the estate shall remain property of the estate until discharge unless marked below: ( ) Pursuant to 11 U.S.C. § 1327(b) upon confirmation of the Plan, all property of the estate shall vest in the Debtor(s), except (i) future earnings of the Debtor(s); (ii) additional disposable income, and (iii) other real and personal property necessary to fund the Plan which is identified as follows: Regardless of whether any real or personal property is vested in the Debtor(s) or the estate, insurance proceeds derived from such real or personal property shall be deemed property of the estate. Subject to footnotes vii xiii If the table below is blank, or this case has a 60 month ACP, then there will be no special treatment for special unsecured creditors. 7- Effective January 7, 2022 and viii of paragraph III.C.2, such insurance proceeds may be used by the Debtor(s), upon prior Court approval, to purchase replacement collateral. In any case, all property of which Debtor(s) retain(s) possession and control shall be insured by the Debtor(s).

The Trustee is not required to insure property and has no liability for damage or loss to any property in the possession and control of the Debtor(s).

C. POST-PETITION ACTION BY DEBTOR(S).

1. Post-Petition Sale of Property of Estate: In the event that the Debtor(s) seek(s) to sell, before entry of the discharge, property of the estate constituting personal property with a value in excess of $2,500, or any real property regardless of value, the Debtor(s) shall request prior Court approval pursuant to 11 U.S.C. § 363 and any applicable rules. 2. Post-Petition Sale of Property of Debtor(s): In the event that the Debtor(s) seek(s) to sell, before entry of the discharge, personal property of the Debtor(s) with a value in excess of $2,500, or any real property regardless of value, the Debtor(s) shall seek prior Court approval with notice to any parties in interest as the Court may direct.

3. Post-Petition Incurrence of Debt by Debtor(s) and Related Relief to Procure a Vehicle: Upon the prior written approval of the Trustee, the Debtor(s) may incur post-petition debt for a motor vehicle, whether through financing or lease transaction. The Debtor(s) may trade in an existing motor vehicle provided that the Debtor(s) satisfy in full any obligations related to such motor vehicle. 4.

Post-Petition Incurrence of Debt by Debtor(s) for Purposes other than Vehicle Procurement: Upon the written approval or ratification of the Trustee, the Debtor(s) may engage in post-petition borrowing up to $2,500.00 for necessary household expenses, including, but not limited to, vehicle repairs, home repairs, or appliance replacement. For anything other than post-petition incurrence of debt addressed by Paragraph IV.C.3, Court approval is required for incurring debt in excess of $2,500.00.

D. UNSCHEDULED CREDITORS FILING CLAIMS.

If a creditor’s claim is not listed in the schedules, but the creditor files a proof of claim, the Trustee is authorized to classify the claim into one of the classes under this Plan and to pay the claim within the class, unless the claim is disallowed.

E. LATE FILED CLAIMS.

If a claim is not timely filed, the Trustee may in his/her discretion provide notice of intent to pay the claim.

F. LIMITATION ON NOTICES.

1. General: If the Debtor(s) file(s) a plan modification pursuant to 11 U.S.C. § 1329 or a motion requesting relief, the plan modification or motion, and appropriate notice thereof, shall be served on (a) the Trustee, (b) the United States Trustee, and (c) any party or entity adversely affected by the plan modification or request for relief. If service under (c) requires service on the creditor matrix, subsequent to the claims bar date pursuant to Fed. R. Bankr. P. 3002, service may be made on creditors that hold claims for which proofs of claim have been filed, and any governmental unit that is a creditor in the case. 2.

Fee Applications: Subsequent to the claims bar date pursuant to Fed. R. Bankr. P. 3002, if an attorney for the Debtor(s) files an application for compensation pursuant to 11 U.S.C. § 330, the application, including appropriate notice and an opportunity to object, shall be served on (a) the Trustee, (b) the Debtor(s), and (c) the United States Trustee. Appropriate notice of the application, including an opportunity to object in the same form as attached to the Local Bankruptcy Rules, shall be served on (a) creditors that hold claims for which proofs of claim have been filed, and (b) any governmental unit that is a creditor in the case. If service is made pursuant to this Paragraph, the Debtor(s) shall file a certificate of service specifying parties and entities served.

G. CLAIMS AND AMENDED CLAIMS.

If a proof of claim is filed and Trustee has previously made a distribution to general unsecured creditors, the claim shall be entitled to the same pro rata distribution as that previously paid to general unsecured claims, to the extent possible, even if the base to general unsecured claims exceeds the amount stated in the confirmed Plan. The Trustee shall not be required to recover any overpayments to general unsecured creditors as a result of the filing of the aforementioned claims. 1. With respect to secured claims filed by creditors holding liens in real property surrendered pursuant to the Plan, each such secured creditor must file a proof of claim asserting its unsecured deficiency, if any, by no later than 90 days after any disposition, including a foreclosure sale.

The proof of claim for any deficiency must be conspicuously identified as an “UNSECURED DEFICIENCY CLAIM.” Attached to the proof of claim for the deficiency amount must be a detailed statement providing that the property was disposed of, the amount of the sale proceeds, a summary of costs incurred in connection with the disposition, and the unsecured deficiency balance remaining. This proof of claim must be filed even though a previous secured or unsecured claim was asserted prior to the disposition of the property. The failure to timely file a 8- Effective January 7, 2022 deficiency claim shall preclude the secured creditor from receiving further distributions under the Plan and such secured creditor’s claim shall be subject to discharge. 2.

With respect to secured claims filed by creditors holding liens in personal property surrendered pursuant to the Plan and non-debtor counterparties whose executory contracts or unexpired leases are rejected under the Plan, each such secured creditor or non-debtor counterparty must file a claim asserting its unsecured deficiency or rejection damages, if any, by no later than 180 days after entry of the order confirming the Plan. The proof of claim for any deficiency or rejection damages must be conspicuously identified on the proof of claim as an “UNSECURED DEFICIENCY CLAIM” or a “REJECTION DAMAGES CLAIM,” as applicable. Attached to the proof of claim for the deficiency or rejection damages must be a detailed statement providing, if applicable, the date the property was disposed of, the rejection damages, the amount of any sale proceeds, a summary of costs incurred in connection therewith, and the unsecured deficiency balance remaining. This proof of claim must be filed even though a previous secured or unsecured claim was asserted prior to the surrender, rejection, or disposition of the property or rejection of the executory contract or unexpired lease.

The failure to timely file a deficiency or rejection damages claim means that such creditor or non-debtor counterparty shall be precluded from receiving further distributions under the Plan and such claim shall be subject to discharge. 3. A claimant treated as holding a wholly unsecured claim pursuant to Paragraph III.C.1.h shall file a proof of claim within the time prescribed in Fed. R. Bankr. P. 3002(c), and any such claimant who does not file a proof of claim is not entitled to receive a distribution under the Plan. If such claimant files a secured proof of claim, the Trustee is authorized to treat such claimant as holding an unsecured claim.

H. TRUSTEE POST-CONFIRMATION DISBURSEMENT.

1. Priority of Payments: Unless otherwise specifically stated in the Plan, the following categories of claims will be paid in the following order (on a pro-rata basis within each category): a. unpaid court filing fees, regardless of any Plan provision to the contrary; b. trustee administrative fee; c. allowed DSO claims paid through the Plan; d. attorney fees and expenses, as allowed by an Order of the Court, subordinated to monthly continuing claims payments covered under 11 U.S.C. § 1322(b)(2); e. continuing, long-term, nonmodifiable allowed claims xiv; f. other allowed secured claims (including arrears), including, but not limited to, residential and non-residential mortgages that shall be paid in full during the life of the plan, and allowed claims arising from assumed executory contracts or unexpired leases (including any cure) with respect to which (i) the last payment will become due within the term of the Plan; and (ii) the Plan provides for equal monthly payments; g. arrears on continuing claims and other secured claims for which the Plan does not specify equal monthly payments; h. allowed priority unsecured claims; and i. allowed general unsecured claims. 2. Post-Petition Mortgage Payments: If the Plan directs the Trustee to make any post-petition mortgage payment, the Trustee may: a. modify the on-going mortgage payment upon receiving a notice pursuant to Fed. R. Bankr. P. 3002.1(b); b. increase the Plan payment by the amount of any mortgage payment increase plus additional trustee commission for any mortgage increase; c. amend a wage order or ACH payment amount for such increase with notice to the employer or ACH payor, Debtor(s) and the attorney for the Debtor(s); and d. adjust the post-petition mortgage or land contract payment date, or the date through which any arrears or cure is calculated, as needed to conform to any proof of claim filed by the mortgagee or land contract vendor. xiv Claims in this category include non-modifiable claims, including allowed secured claims, on which the last payment is due after the term of the Plan, and for which the Plan provides for a set monthly payment (subject to adjustment as set forth below).

This category includes residential mortgage obligations, condominium association dues, land contract obligations, and other long term, non-modifiable obligations under assumed executory contracts/unexpired leases. 9- Effective January 7, 2022 3. Initial Disbursement Date: Except as otherwise stated in this Plan, a payment designated as equal monthly payments on secured claims, executory contracts/unexpired leases, priority unsecured claims, attorney fees, and tax escrow accruals shall be deemed to commence the first day of the month following the month of the petition date.

I. TAX RETURNS.

All tax returns due prior to the petition date have been filed, except: _______________.

J. DEBTOR(S) ENGAGED IN BUSINESS.

1. Any Debtor who is self-employed and incurs trade credit in the production of income shall comply with 11 U.S.C. § 1304 regarding operation of the business and any order regarding the continuation of a business operation entered in this case; 2. Any Debtor who, directly or indirectly, holds a controlling interest in a limited liability company, partnership or other corporation that incurs trade credit in the production of income, or who is otherwise in control of such an entity, shall cause the entity to comply with 11 U.S.C. 1304(c) and any order regarding continuation of a business operation entered in this case as if the Debtor were "engaged in business" within the meaning of that section; 3. The duties listed in 11 U.S.C. § 1304(c) are imposed on any Debtor described in this Paragraph IV.J, and are incorporated herein by reference.

K. EFFECT OF ADDITIONAL ATTORNEY FEES BEYOND THE NO LOOK FEE.

Any attorney fees and expenses beyond the no-look fee shall be paid as administrative expenses and shall not be paid out of the base previously disbursed to general unsecured creditors. The Trustee shall not recover funds disbursed to general unsecured creditors to satisfy any administrative expenses awarded to the attorney for the Debtor(s).

L. PLAN REFUNDS.

The Trustee may agree to reasonable refunds to the Debtor(s) from the funds paid to the Trustee. The Plan duration may be extended to repay all such refunds. The trustee may require the Debtor(s) to file an amendment to the Plan.

M. TRUSTEE’S AVOIDANCE POWERS.

The Debtor(s) acknowledges that the Trustee has discretion to utilize certain powers under Chapter 5 of the Bankruptcy Code. Notwithstanding any other language in this Plan, no lien shall be involuntarily avoided unless an adversary proceeding is filed, except that judicial liens may be avoided pursuant to 11 U.S.C. § 522(f) in connection with confirmation of the Plan upon proper notice. The Debtor(s) may not commence any avoidance action without court authorization or written consent of the Trustee. The Debtor(s) acknowledge(s) that any avoidance actions are preserved for the benefit of the estate pursuant to 11 U.S.C. § 551.

N. LIEN RETENTION.

With respect to each allowed secured claim provided for by the Plan, the holder of such claims shall retain the lien securing such claim until the earlier of (i) the underlying debt determined under applicable non-bankruptcy law is paid in full, or (ii) entry of the discharge; provided, however, that entry of the discharge shall not release a lien that secures a claim subject to treatment under 11 U.S.C. § 1322(b)(5). Upon the occurrence of (i) or (ii) above, the holder shall release its lien and provide written evidence of the same to the Debtor(s) within 30 days after (i) or (ii) above. Notwithstanding the foregoing, if this case of the Debtor(s) under Chapter 13 is dismissed or converted without completion of the Plan, the holder of such claim shall retain its lien to the extent recognized by applicable non-bankruptcy law.

O. MODIFICATION OF THE AUTOMATIC STAY.

Upon the filing of a motion for relief from the automatic stay, the Trustee shall suspend disbursement of funds to that creditor but shall hold said funds until further order of the Court. Upon entry of an order modifying the automatic stay and unless otherwise provided for in such order, the Trustee shall not disburse held or on-going payments to that creditor on that claim, until creditor files an amended claim or Debtor(s) file(s) an amended Plan directing the Trustee how to pay creditor’s claim. Such amended proof of claim or Plan amendment shall be filed within 120 days after entry of the order modifying the automatic stay. An amended claim filed by such creditor shall be afforded the same secured status as provided for under the Plan.

If a creditor fails to file an amended claim or Debtor(s) fail(s) to file an amended Plan directing the Trustee how to pay creditor’s claim within 120 days of the entry of the order modifying the automatic stay, any held amounts shall be released for the benefit of the other creditors in accordance with the confirmed Plan and Trustee shall cease holding any future funds for on-going payments on such claim unless otherwise ordered by the Court. However, if a creditor files a claim after the order modifying the automatic stay and the confirmed Plan directed that such creditor was to be paid directly by Debtor(s) on such claim, such claim will not be paid by the Trustee. P. NOTICE OF FEES, EXPENSES AND CHARGES PURSUANT TO FED. R. BANKR. P. 3002.1. The claim evidenced by notice of fees, expenses and charges pursuant to Fed. R. Bankr. P. 3002.1 will be treated as a separate debt or claim consistent with treatment of the underlying claim provided for under the Plan.

Q. NON-APPLICABILITY OF FED. R. BANKR. P. 3002.1.

The requirements and provisions of Fed. R. Bankr. P. 3002.1 shall not apply to the Trustee in any chapter 13 case where the Plan as confirmed surrenders property to the cr