Gov Uscourts Ilnb 1098576 1 0

Case 11-28182 Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
Official Form 1 (04/10) Document Page 1 of 39

United States Bankruptcy Court Voluntary Petition
NORTHERN DISTRICT OF ILLINOIS
Name of Debtor (if individual, enter Last, First, Middle): Name of Joint Debtor (Spouse)(Last, First, Middle):
Holmes, Tony
All Other Names used by the Debtor in the last 8 years All Other Names used by the Joint Debtor in the last 8 years
(include married, maiden, and trade names): (include married, maiden, and trade names):
NONE
Last four digits of Soc. Sec. or Indvidual-Taxpayer I.D. (ITIN) No./Complete EIN Last four digits of Soc. Sec. or Indvidual-Taxpayer I.D. (ITIN) No./Complete EIN
(if more than one, state all): 2038 (if more than one, state all):
Street Address of Debtor (No. & Street, City, and State): Street Address of Joint Debtor (No. & Street, City, and State):
7824 South Lafflin Street
Chicago, IL
ZIPCODE ZIPCODE
60620
County of Residence or of the County of Residence or of the
Principal Place of Business: Cook Principal Place of Business:
Mailing Address of Debtor (if different from street address): Mailing Address of Joint Debtor (if different from street address):
SAME
ZIPCODE ZIPCODE
Location of Principal Assets of Business Debtor ZIPCODE

(if different from street address above): NOT APPLICABLE
Type of Debtor (Form of organization)

Nature of Business Chapter of Bankruptcy Code Under Which
(Check one box.) the Petition is Filed (Check one box)
(Check one box.)
Health Care Business Chapter 7 Chapter 15 Petition for Recognition
Individual (includes Joint Debtors)
Single Asset Real Estate as defined Chapter 9 of a Foreign Main Proceeding
See Exhibit D on page 2 of this form.
in 11 U.S.C. § 101 (51B) Chapter 11
Corporation (includes LLC and LLP) Chapter 12 Chapter 15 Petition for Recognition
Railroad of a Foreign Nonmain Proceeding
Partnership Chapter 13
Stockbroker
Other (if debtor is not one of the above Nature of Debts (Check one box)
Commodity Broker
entities, check this box and state type of
Debts are primarily consumer debts, defined Debts are primarily
entity below Clearing Bank
in 11 U.S.C. § 101(8) as "incurred by an business debts.
Other individual primarily for a personal, family,
or household purpose"
Tax-Exempt Entity
(Check box, if applicable.) Chapter 11 Debtors:
Debtor is a tax-exempt organization Check one box:
under Title 26 of the United States Debtor is a small business as defined in 11 U.S.C. § 101(51D).
Code (the Internal Revenue Code). Debtor is not a small business debtor as defined in 11 U.S.C. § 101(51D).
Filing Fee (Check one box) Check if:

Full Filing Fee attached Debtor’s aggregate noncontingent liquidated debts (excluding debts
owed to insiders or affiliates) are less than $2,343,300 (amount
Filing Fee to be paid in installments (applicable to individuals only). Must subject to adjustment on 4/01/13 and every three years thereafter).
attach signed application for the court’s consideration certifying that the debtor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
is unable to pay fee except in installments. Rule 1006(b). See Official Form 3A. Check all applicable boxes:
A plan is being filed with this petition
Filing Fee waiver requested (applicable to chapter 7 individuals only). Must
attach signed application for the court's consideration. See Offi cial Form 3B. Acceptances of the plan were solicited prepetition from one or more
classes of creditors, in accordance with 11 U.S.C. § 1126(b).
Statistical/Administrative Information THIS SPACE IS FOR COURT USE ONLY
Debtor estimates that funds will be available for distribution to unsecured creditors.
Debtor estimates that, after any exempt property is excluded and administrative expenses paid, there will be no funds available for
distribution to unsecured creditors.
Estimated Number of Creditors
1-49 50-99 100-199 200-999 1,000- 5,001- 10,001- 25,001- 50,001- Over
5,000 10,000 25,000 50,000 100,000 100,000
Estimated Assets
$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than
$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion
million million million million million
Estimated Liabilities
$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than
$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion
million million million million million
Official Form 1 (04/10) Document Page 2 of 39 FORM B1, Page 2
Voluntary Petition Name of Debtor(s):
(This page must be completed and filed in every case)
Tony Holmes
All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet)
Location Where Filed: Case Number: Date Filed:
NONE
Location Where Filed: Case Number: Date Filed:
Pending Bankruptcy Case Filed by any Spouse, Partner or Affiliate of this Debtor (If more than one, attach additional sheet)
Name of Debtor: Case Number: Date Filed:
NONE
District: Relationship: Judge:
Exhibit A Exhibit B
(To be completed if debtor is required to file periodic reports (To be completed if debtor is an individual
(e.g., forms 10K and 10Q) with the Securities and Exchange whose debts are primarily consumer debts)
Commission pursuant to Section 13 or 15(d) of the Securities I, the attorney for the petitioner named in the foregoing petition, declare that I
Exchange Act of 1934 and is requesting relief under Chapter 11) have informed the petitioner that [he or she] may proceed under chapter 7, 11, 12
or 13 of title 11, United States Code, and have explained the relief available under
each such chapter. I further certify that I have delivered to the debtor the notice
required by 11 U.S.C. §342(b).
Exhibit A is attached and made a part of this petition X /s/ Jeff Whitehead 07/07/2011
Signature of Attorney for Debtor(s) Date
Exhibit C
Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health
or safety?
Yes, and exhibit C is attached and made a part of this petition.
No
Exhibit D
(To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.)
Exhibit D completed and signed by the debtor is attached and made part of this petition.
If this is a joint petition:
Exhibit D also completed and signed by the joint debtor is attached and made a part of this petition.
Information Regarding the Debtor - Venue

(Check any applicable box)
Debtor has been domiciled or has had a residence, principal place of business, or principal assets in this District for 180 days immediately
preceding the date of this petition or for a longer part of such 180 days than in any other District.
There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District.
Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in this District, or has no
principal place of business or assets in the United States but is a defendant in an action proceeding [in a federal or state court] in this District, or
the interests of the parties will be served in regard to the relief sought in this District.
Certification by a Debtor Who Resides as a Tenant of Residential Property

(Check all applicable boxes.)
Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)
(Name of landlord that obtained judgment)
(Address of landlord)
Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure the
entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and
Debtor has included with this petition the deposit with the court of any rent that would become due during the 30-day
period after the filing of the petition.
Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).
Official Form 1 (04/10) Document Page 3 of 39 FORM B1, Page 3
Voluntary Petition Name of Debtor(s):
(This page must be completed and filed in every case)
Tony Holmes
Signatures
Signature(s) of Debtor(s) (Individual/Joint) Signature of a Foreign Representative
I declare under penalty of perjury that the information provided in this
petition is true and correct. I declare under penalty of perjury that the information provided in this
[If petitioner is an individual whose debts are primarily consumer debts petition is true and correct, that I am the foreign representative of a debtor
and has chosen to file under chapter 7] I am aware that I may proceed in a foreign proceeding, and that I am authorized to file this petition.
under chapter 7, 11, 12, or 13 of title 11, United States Code,
understand the relief available under each such chapter, and choose to (Check only one box.)
proceed under chapter 7.
I request relief in accordance with chapter 15 of title 11, United States
[If no attorney represents me and no bankruptcy petition preparer
Code. Certified copies of the documents required by 11 U.S.C. § 1515
signs the petition] I have obtained and read the notice required by
are attached.
11 U.S.C. §342(b)
Pursuant to 11 U.S.C. § 1511, I request relief in accordance with the
I request relief in accordance with the chapter of title 11, United States chapter of title 11 specified in this petition. A certified copy of the
Code, specified in this petition. order granting recognition of the foreign main proceeding is attached.
X /s/ Tony Holmes
Signature of Debtor X
(Signature of Foreign Representative)
X
Signature of Joint Debtor
(Printed name of Foreign Representative)

Telephone Number (if not represented by attorney)
07/07/2011 (Date)
Date
Signature of Attorney*
Signature of Non-Attorney Bankruptcy Petition Preparer
X /s/ Jeff Whitehead I declare under penalty of perjury that: (1) I am a bankruptcy petition
Signature of Attorney for Debtor(s) preparer as defined in 11 U.S.C. § 110; (2) I prepared this document for
compensation and have provided the debtor with a copy of this document
Jeff Whitehead
Printed Name of Attorney for Debtor(s)
and the notices and information required under 11 U.S.C. §§ 110(b), 110
(h), and 342(b); and, (3) if rules or guidelines have been promulgated
Law Office of Jeff Whitehead pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services
Firm Name bankruptcy petition preparers, I have given the debtor notice of the
maximum amount before preparing any document for filing for a debtor
211 W Wacker Drive or accepting any fee from the debtor, as required in that section. Official
Address Form 19 is attached.
Suite 750
Chicago, IL 60606
Printed Name and title, if any, of Bankruptcy Petition Preparer
312-648-0473
Telephone Number
Social-Security number (If the bankruptcy petition preparer is not an
07/07/2011 individual, state the Social-Security number of the officer, principal,
Date responsible person or partner of the bankruptcy petition preparer.)
(Required by 11 U.S.C. § 110.)
*In a case in which § 707(b)(4)(D) applies, this signature also
constitutes a certification that the attorney has no knowledge
after an inquiry that the information in the schedules is incorrect. Address
Signature of Debtor (Corporation/Partnership)

X
I declare under penalty of perjury that the information provided
in this petition is true and correct, and that I have been
authorized to file this petition on behalf of the debtor. Date
Signature of bankruptcy petition preparer or officer, principal,
The debtor requests the relief in accordance with the chapter of responsible person, or partner whose Social-Security number is provided
title 11, United States Code, specified in this petition. Names and Social-Security numbers of all other individuals who prepared
or assisted in preparing this document unless the bankruptcy petition
preparer is not an individual.
X
Signature of Authorized Individual
Printed Name of Authorized Individual

If more than one person prepared this document, attach additional
sheets conforming to the appropriate official form for each person.
Title of Authorized Individual A bankruptcy petition preparer’s failure to comply with the provisions of title
11 and the Federal Rules of Bankruptcy Procedure may result in fines or
imprisonment or both. 11 U.S.C. § 110; 18 U.S.C. § 156.
Date
Case 11-28182
B 1D (Official Form 1, Exhibit D) (12/09) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
Document Page 4 of 39
UNITED STATES BANKRUPTCY COURT

EASTERN DIVISION
In re Tony Holmes Case No.

(if known)
Debtor(s)
EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT
WARNING: You must be able to check truthfully one of the five statements regarding credit counseling listed below. If you cannot
do so, you are not eligible to file a bankruptcy case, and the court can dismiss any case you do file. If that happens, you will lose
whatever filing fee you paid, and your creditors will be able to resume collection activities against you. If your case is dismissed and
you file another bankruptcy case later, you may be required to pay a second filing fee and you may have to take extra steps to stop
creditors' collection activities.
Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete and file a separate
Exhibit D. Check one of the five statements below and attach any documents as directed.
1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling
agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit
counseling and assisted me in performing a related budget analysis, and I have a certificate from the agency describing the
services provided to me. Attach a copy of the certificate and a copy of any debt repayment plan developed through the agency.
2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit counseling
agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit
counseling and assisted me in performing a related budget analysis, but I do not have a certificate from the agency describing
the services provided to me. You must file a copy of a certificate from the agency describing the services provided to you and
a copy of any debt repayment plan developed through the agency no later than 14 days after your bankruptcy case is filed.
3. I certify that I requested credit counseling services from an approved agency but was unable to obtain the
services during the seven days from the time I made my request, and the following exigent circumstances merit a temporary waiver
of the credit counseling requirement so I can file my bankruptcy case now.
[Summarize exigent circumstances here.]
If your certification is satisfactory to the court, you must still obtain the credit counseling briefing within the first 30 days after you
file your bankruptcy petition and promptly file a certificate from the agency that provided the counseling, together with a copy of any
debt management plan developed through the agency. Failure to fulfill these requirements may result in dismissal of your case.
Any extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days. Your case may also be
dismissed if the court is not satisfied with your reasons for filing your bankruptcy case without first receiving a credit counseling
briefing.
Case 11-28182
B 1D (Official Form 1, Exhibit D) (12/09) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
4. I am not required to receive a credit counseling briefing because of: [Check the applicable statement]
[Must be accompanied by a motion for determination by the court.]
Incapacity. (Defined in 11 U.S.C. § 109 (h)(4) as impaired by reason of mental illness or mental deficiency
so as to be incapable of realizing and making rational decisions with respect to financial responsibilities.);
Disability. (Defined in 11 U.S.C. § 109 (h)(4) as physically impaired to the extent of being unable, after
reasonable effort, to participate in a credit counseling briefing in person, by telephone, or through the Internet.);
Active military duty in a military combat zone.
5. The United States trustee or bankruptcy administrator has determined that the credit counseling requirement
of 11 U.S.C. § 109(h) does not apply in this district.
I certify under penalty of perjury that the information provided above is true and correct.
Signature of Debtor: /s/ Tony Holmes

Date: 07/07/2011
Case 11-28182
B6 Summary (Official Form 6 - Summary) (12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main

EASTERN DIVISION
Chapter 7
/ Debtor
SUMMARY OF SCHEDULES
Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A, B, D, E, F, I, and J in the
boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtor's assets. Add the amounts of all claims from Schedules D, E, and
F to determine the total amount of the debtor's liabilities. Individual debtors must also complete the "Statistical Summary of Certain Liabilities and Related Data"if they
file a case under chapter 7, 11, or 13.
Attached No. of
NAME OF SCHEDULE (Yes/No) Sheets ASSETS LIABILITIES OTHER
A-Real Property
Yes 1 $ 0.00
B-Personal Property
Yes 3 $ 2,725.00
C-Property Claimed as
Exempt
Yes 1
D-Creditors Holding Secured

Claims
Yes 1 $ 0.00
E-Creditors Holding
Unsecured Priority Claims Yes 2 $ 15,250.00
(Total of Claims on Schedule E)
F-Creditors Holding
Unsecured Nonpriority Claims
Yes 5 $ 50,229.67
G-Executory Contracts and

Unexpired Leases
Yes 1
H-Codebtors
Yes 1
I-Current Income of Individual

Debtor(s)
Yes 1 $ 2,370.33
J-Current Expenditures of
Individual Debtor(s)
Yes 1 $ 2,355.00
TOTAL 17 $ 2,725.00 $ 65,479.67

Case 11-28182
B6 Summary (Official Form 6 - Summary) (12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main

EASTERN DIVISION
Chapter 7
/ Debtor
STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C § 159)
If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C. § 101(8), filing a case under
chapter 7, 11, or 13, you must report all information requested below.
Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to report any information here.
This information is for statistical purposes only under 28 U.S.C. § 159.
Summarize the following types of liabilities, as reported in the Schedules, and total them.
Type of Liability Amount

Domestic Support Obligations (from Schedule E) $ 0.00
Taxes and Certain Other Debts Owed to Governmental Units (from Schedule E) $ 15,250.00
Claims for Death or Personal Injury While Debtor Was Intoxicated (from Schedule E) (whether
disputed or undisputed) $ 0.00
Student Loan Obligations (from Schedule F) $ 28,475.00
Domestic Support, Separation Agreement, and Divorce Decree Obligations Not Reported on $ 0.00
Schedule E
Obligations to Pension or Profit-Sharing, and Other Similar Obligations (from Schedule F) $ 0.00
TOTAL $ 43,725.00
State the following:
Average Income (from Schedule I, Line 16) $ 2,370.33

Average Expenses (from Schedule J, Line 18) $ 2,355.00
Current Monthly Income (from Form 22A Line 12; OR, Form 22B Line 11; OR, Form 22C Line 20) $ 2,914.00
State the following:
1. Total from Schedule D, "UNSECURED PORTION, IF ANY" column $ 0.00

2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY" column $ 15,250.00
3. Total from Schedule E, "AMOUNT NOT ENTITLED TO PRIORITY, IF ANY" column $ 0.00
4. Total from Schedule F $ 50,229.67
5. Total of non-priority unsecured debt (sum of 1, 3, and 4) $ 50,229.67
Case 11-28182
FORM B6A (Official Form 6A) (12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
In re Tony Holmes , Case No.

Debtor(s) (if known)
SCHEDULE A-REAL PROPERTY
Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a
cotenant community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers
exercisable for the debtor’s own benefit. If the debtor is married, state whether the husband, wife, both, or the marital community own the property
by placing an “H,” “W,” “J,” or “C” in the column labeled “Husband, Wife, Joint, or Community.” If the debtor holds no interest in real property, write
“None” under “Description and Location of Property.”
Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G-Executory
Contracts and Unexpired Leases.
If an entity claims to have a lien or hold a secured interest in any property, state the amount of the secured claim. See Schedule D. If no entity
claims to hold a secured interest in the property, write “None” in the column labeled “Amount of Secured Claim.”
If the debtor is an individual or if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property
Claimed as Exempt.
Current
Description and Location of Property Nature of Debtor's Amount of
Value
Interest in Property of Debtor's Interest,
Secured Claim
Husband--H in Property Without
Wife--W Deducting any
Joint--J Secured Claim or
Community--C Exemption
None None
No continuation sheets attached TOTAL $ 0.00

(Report also on Summary of Schedules.)
Case 11-28182
B6B (Official Form 6B) (12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
SCHEDULE B-PERSONAL PROPERTY

Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories,
place an “x” in the appropriate position in the column labeled “None.” If additional space is needed in any category, attach a separate sheet properly
identified with the case name, case number, and the number of the category. If the debtor is married, state whether the husband, wife, both, or the
marital community own the property by placing an “H,” “W,” “J,” or “C” in the column labeled “Husband, Wife, Joint, or Community.” If the debtor is an
individual or a joint petition is filed, state the amount of any exemptions claimed only in Schedule C - Property Claimed as Exempt.
Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G-Executory Contracts
and Unexpired Leases.
If the property is being held for the debtor by someone else, state that person’s name and address under “Description and Location of Property.” If
the property is being held for a minor child, simply state the child's initials and the name and address of the child's parent or guardian, such as
"A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Current
Type of Property N Description and Location of Property Value
of Debtor's Interest,
o Husband--H in Property Without
n Secured Claim or
Joint--J
e Community--C Exemption
1. Cash on hand. Cash on Hand $ 100.00

Location: In debtor's possession
2. Checking, savings or other financial Checking Account $ 225.00

accounts, certificates of deposit, or shares
in banks, savings and loan, thrift, building Location: Bank of America
and loan, and homestead associations, or
credit unions, brokerage houses, or
cooperatives.
Checking Account $ 300.00

Location: PNC Bank
3. Security deposits with public utilities, X

telephone companies, landlords, and
others.
4. Household goods and furnishings, Basic Used Household Furnishings $ 1,000.00
including audio, video, and computer
equipment. Location: In debtor's possession
5. Books, pictures and other art objects, X

antiques, stamp, coin, record, tape,
compact disc, and other collections or
collectibles.
6. Wearing apparel. Basic Used Wearing Apparel $ 1,000.00
7. Furs and jewelry. Costume Jewelry $ 100.00

8. Firearms and sports, photographic, and X

other hobby equipment.
9. Interests in insurance policies. Name X

insurance company of each policy and
itemize surrender or refund value of each.
Page 1 of 3
Case 11-28182

(Continuation Sheet)
Current
n Secured Claim or
Joint--J
10. Annuities. Itemize and name each issuer. X
11. Interest in an education IRA as X

defined in 26 U.S.C. 530(b)(1) or under
a qualified State tuition plan as defined in
26 U.S.C. 529(b)(1). Give particulars.
(File separately the record(s) of any such
interest(s). 11 U.S.C. 521(c).)
12. Interests in IRA, ERISA, Keogh, or other X

pension or profit sharing plans. Give
particulars.
13. Stock and interests in incorporated and X
unincorporated businesses. Itemize.
14. Interests in partnerships or joint ventures. X

Itemize.
15. Government and corporate bonds and X

other negotiable and non-negotiable
instruments.
16. Accounts Receivable. X
17. Alimony, maintenance, support, and X

property settlements to which the debtor
is or may be entitled. Give particulars.
18. Other liquidated debts owed to debtor X
including tax refunds. Give particulars.
19. Equitable or future interests, life estates, X

and rights or powers exercisable for the
benefit of the debtor other than those
listed in Schedule of Real Property.
20. Contingent and non-contingent interests X

in estate of a decedent, death benefit
plan, life insurance policy, or trust.
21. Other contingent and unliquidated claims X
of every nature, including tax refunds,
counterclaims of the debtor, and rights to
setoff claims. Give estimated value of
each.
22. Patents, copyrights, and other intellectual X

property. Give particulars.
23. Licenses, franchises, and other general X

intangibles. Give particulars.
24. Customer lists or other compilations X

containing personally identifiable
information (as described in 11 U.S.C.
101(41A)) provided to the debtor by
individuals in connection with obtaining
a product or service from the debtor
primarily for personal, family, or
household purposes.
25. Automobiles, trucks, trailers and other X
vehicles and accessories.
26. Boats, motors, and accessories. X
Page 2 of 3
Case 11-28182

Current
n Secured Claim or
Joint--J
27. Aircraft and accessories. X
28. Office equipment, furnishings, and X

supplies.
29. Machinery, fixtures, equipment and X

supplies used in business.
30. Inventory. X
31. Animals. X
32. Crops - growing or harvested. X

Give particulars.
33. Farming equipment and implements. X
34. Farm supplies, chemicals, and feed. X
35. Other personal property of any kind not X

already listed. Itemize.
Page 3 of 3 Total $ 2,725.00

(Report total also on Summary of Schedules.)
Include amounts from any continuation sheets attached.
Case 11-28182
B6C (Official Form 6C) (04/10) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
In re
Tony Holmes , Case No.
SCHEDULE C-PROPERTY CLAIMED AS EXEMPT
Debtor claims the exemptions to which debtor is entitled under: Check if debtor claims a homestead exemption that exceeds $146,450.*
(Check one box)
11 U.S.C. § 522(b) (2)
11 U.S.C. § 522(b) (3)
Specify Law Value of Current

Description of Property Providing each Claimed Value of Property
Exemption Exemption Without Deducting
Exemptions
Cash on Hand 735 ILCS 5/12-1001(b) $ 100.00 $ 100.00
Checking Account 735 ILCS 5/12-1001(b) $ 300.00 $ 300.00
Checking Account 735 ILCS 5/12-1001(b) $ 225.00 $ 225.00
Basic Used Household 735 ILCS 5/12-1001(b) $ 1,000.00 $ 1,000.00

Furnishings
Basic Used Wearing Apparel 735 ILCS 5/12-1001(a) $ 1,000.00 $ 1,000.00
Costume Jewelry 735 ILCS 5/12-1001(a) $ 100.00 $ 100.00
Page No. 1 of 1
* Amount subject to adjustment on 4/1/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
B6D (Official Form 6D) (12/07)

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
State the name, mailing address, including zip code, and last four digits of any account number of all entities holding
claims secured by property of the debtor as of the date of filing of the petition. The complete account number of any account the
debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. List
creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust,
and other security interests.
List creditors in alphabetical order to the extent practicable. If a minor child is the creditor, state the child's initials and the
name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the
child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). If all secured creditors will not fit on this page, use the
continuation sheet provided.
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an “X” in the column labeled
“Codebtor,” include the entity on the appropriate schedule of creditors, and complete Schedule H – Codebtors. If a joint petition is
filed, state whether the husband, wife, both of them, or the marital community may be liable on each claim by placing an “H,” “W,”
“J,” or “C” in the column labeled “Husband, Wife, Joint, or Community.”
If the claim is contingent, place an “X” in the column labeled “Contingent.” If the claim is unliquidated, place an “X” in the
column labeled “Unliquidated.” If the claim is disputed, place an “X” in the column labeled “Disputed.” (You may need to place an
“X” in more than one of these three columns.)
Total the columns labeled “Amount of Claim Without Deducting Value of Collateral” and “Unsecured Portion, if Any” in the
boxes labeled “Total(s)” on the last sheet of the completed schedule. Report the total from the column labeled “Amount of Claim
Without Deducting Value of Collateral” also on the Summary of Schedules and, if the debtor is an individual with primarily
consumer debts, report the total from the column labeled “Unsecured Portion, if Any” on the Statistical Summary of Certain
Check this box if debtor has no creditors holding secured claims to report on this Schedule D.
Creditor's Name and Date Claim was Incurred, Nature Amount of Claim Unsecured
Mailing Address of Lien, and Description and Market Without Portion, If Any
Unliquidated
Including ZIP Code and

Contingent
Value of Property Subject to Lien

Co-Debtor
Deducting Value
Disputed
Account Number
(See Instructions Above.) H--Husband of Collateral
W--Wife
J--Joint
C--Community
Account No:
Value:
Account No:
Value:
Account No:
Value:
No continuation sheets attached Subtotal $ $ 0.00 $ 0.00

(Total of this page)
Total $ $ 0.00 $ 0.00
(Use only on last page)
(Report also on Summary of (If applicable, report also on
Schedules.) Statistical Summary of
Certain Liabilities and
Related Data)
Case 11-28182
B6E (Official Form 6E) (04/10) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS
A complete list of claims entitled to priority, listed separately by type of priority, is to be set forth on the sheets provided. Only holders of
unsecured claims entitled to priority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address,
including zip code, and last four digits of the account number, if any, of all entities holding priority claims against the debtor or the property of the
debtor, as of the date of the filing of the petition. Use a separate continuation sheet for each type of priority and label each with the type of priority.
The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the
debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as
"A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on
the appropriate schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them
or the marital community may be liable on each claim by placing an "H", "W", "J", or "C" in the column labeled "Husband, Wife, Joint, or Community." If
the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If
the claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)
Report the total of claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E
in the box labeled "Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules.
Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts
entitled to priority listed on this Schedule E in the box labeled “Totals” on the last sheet of the completed schedule. Individual debtors with primarily
consumer debts report this total also on the Statistical Summary of Certain Liabilities and Related Data.
Report the total of amounts NOT entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all
amounts not entitled to priority listed on this Schedule E in the box labeled "Total" on the last sheet of the completed schedule. Individual debtors with
primarily consumer debts report this total also on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.
TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets)
Domestic Support Obligations

Claims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian,
or responsible relative of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent
provided in 11 U.S.C. § 507(a)(1).
Extensions of credit in an involuntary case

Claims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of
the appointment of a trustee or the order for relief. 11 U.S.C. § 507(a)(3).
Wages, salaries, and commissions

Wages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to
qualifying independent sales representatives up to $11,725* per person earned within 180 days immediately preceding the filing of the original
petition, or the cessation of business, whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(4).
Contributions to employee benefit plans

Money owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or the
cessation of business, whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(5).
Certain farmers and fishermen

Claims of certain farmers and fishermen, up to $5,775* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).
Deposits by individuals
Claims of individuals up to $2,600* for deposits for the purchase, lease, or rental of property or services for personal, family, or household
use, that were not delivered or provided. 11 U.S.C. § 507(a)(7).
Taxes and Certain Other Debts Owed to Governmental Units

Taxes, customs duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. § 507(a)(8).
Commitments to Maintain the Capital of an Insured Depository Institution

Claims based on commitments to FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors of
the Federal Reserve System, or their predecessors or successors, to maintain the capital of an insured depository institution. 11 U.S.C. § 507
(a)(9).
Claims for Death or Personal Injury While Debtor Was Intoxicated
Claims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using
alcohol, a drug, or another substance. 11 U.S.C. § 507(a)(10).
* Amounts are subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
1 No continuation sheets attached

Case 11-28182
Official Form 6E (04/10) - Cont. Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

Type of Priority for Claims Listed on This Sheet: Taxes and Certain Other Debts Owed to Governmental Units
Creditor's Name, Mailing Address Date Claim was Incurred and Amount of Amount Amount not
Consideration for Claim Claim Entitled to Entitled to
Including ZIP Code, Priority Priority, if
Unliquidated
Contingent
and Account Number
Co-Debtor
any
Disputed
H--Husband
(See instructions above.) W--Wife
J--Joint
C--Community
Account No:
1717 3/2010 - 4/2011 $ 50.00 $ 50.00 $ 0.00
Creditor # : 1 Violation
Department of Revenue
PO Box 88298
Chicago IL 60680-1298
Account No: 8810 12/2009 - 4/2011 $ 200.00 $ 200.00 $ 0.00

Creditor # : 2 Violation
PO Box 88292
Chicago IL 60680-1292
Account No: 4210 8/2009 - 4/2011 $ 15,000.00 $ 15,000.00 $ 0.00

Creditor # : 3 Saftey Responsibilty Suspension
Secretary of State
2701 S Dirksen Pkwy
Springfield IL 62723
Account No:
Account No:
Account No:
Sheet No. Subtotal $ 15,250.00 15,250.00 0.00

1 of 1 continuation sheets (Total of this page)
attached to Schedule of Creditors Holding Priority Claims Total $
(Use only on last page of the com pleted Schedule E. Report total also 15,250.00
on Sum m ary of Schedules)
Total $
(Use only on last page of the com pleted Schedule E. If applicable, 15,250.00 0.00
report also on the Statistical Sum m ary of Certain Liabilities and
B6F (Official Form 6F) (12/07)

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS
State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without
priority against the debtor or the property of the debtor, as of the date of filing of the petition. The complete account number of any account the
debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a
creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian."
Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Do not include claims listed in Schedules D and E. If all
creditors will not fit on this page, use the continuation sheet provided.
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on
the appropriate schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of
them, or the marital community may be liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or
Community."
If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled
"Unliquidated." If the claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three
columns.)
Report total of all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedules. Report this total also on
Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.
Creditor's Name, Mailing Address Date Claim was Incurred, Amount of Claim
and Consideration for Claim.
Unliquidated
Co-Debtor
including Zip Code,
Contingent
If Claim is Subject to Setoff, so State.
Disputed
And Account Number
H--Husband
J--Joint
C--Community
4291
Account No: 9/2010 - 4/2011 $ 385.00
Creditor # : 1 Collection Account
AFNI Original Creditor - T Mobile
PO Box 3097
Bloomington IL 61702-3517
None
Account No: 2008 $ 1,500.00
Creditor # : 2 Car Accident
Alexander Stoykov
100 North Chester
Park Ridge IL 60068
Account No: $ 0.00

Creditor # : 3
Asset Acceptance Notice Only
PO Box 1630
Warren MI 48090
Account No:
Representing: Jutla Sanjay

55 E Jackson
Asset Acceptance 16th Floor
Chicago IL 60604
4 continuation sheets attached Subtotal $ $ 1,885.00

Total $
(Use only on last page of the com pleted Schedule F. Report also on Sum m ary of
Schedules and, if applicable, on the Statistical Sum m ary of Certain Liabilities and Related
B6F (Official Form 6F) (12/07) - Cont.

Unliquidated
Co-Debtor
including Zip Code,
Contingent
Disputed
And Account Number
H--Husband
J--Joint
C--Community
0587
Account No: 12/2008 - 4/2011 $ 2,588.00
California Student Aid Original Creditor - Bank of New
PO Box 419032
Rancho Cordova CA 95741 York Trust
0587
Account No: 12/2008 - 4/2011 $ 4,746.00
PO Box 419032
0657
Account No: 12/2008 - 4/2011 $ 3,766.00
PO Box 419032
1205
Account No: 10/2006 - 4/2011 $ 1,774.00
Creditor # : 7 Credit Card Purchases
Capital One
PO Box 30281
Salt Lake City UT 84130
Account No: 1205

Representing: Blatt Hasenmiller
125 S Wacker
Capital One
Suite 400
Chicago IL 60606
Account No: $ 0.00

Creditor # : 8
Chase Notice Only
PO Box 15298
Wilmington DE 19850
Sheet No. 1 of 4 continuation sheets attached to Schedule of Subtotal $ $ 12,874.00

Creditors Holding Unsecured Nonpriority Claims Total $

Unliquidated
Co-Debtor
including Zip Code,
Contingent
Disputed
And Account Number
H--Husband
J--Joint
C--Community
Account No:
Representing: Michael D Fine

131 S Dearborn
Chase
Floor 5
Chicago IL 60603
Account No:
Representing: Steven Fink

25 E Washington
Chase Suite 1233
Chicago IL 60602
6928
Account No: 7/2006 - 4/2011 $ 1,040.00
Credit Management Original Creditor - WOW Internet
4200 International Pkwy
Carrollton TX 75007 Cable
0111
Account No: 12/2008 - 4/2011 $ 384.00
Dependon Collection Original Creditor - Emergency Room
PO Box 4833
Hinsdale IL 60522 Care
5155
Account No: 6/2009 - 4/2011 $ 418.00
Dependon Collection Original Creditor - Emergency Room
PO Box 4833
Hinsdale IL 60522 Care
2248
Account No: 6/2009 - 4/2011 $ 434.00
Dependon Collection Original Creditor - Horizon
PO Box 4833
Hinsdale IL 60522 Emergency Phys


Unliquidated
Co-Debtor
including Zip Code,
Contingent
Disputed
And Account Number
H--Husband
J--Joint
C--Community
0891
Account No: 10/2009 - 4/2011 $ 321.00
Enhanced Recovery Original Creditor - US Cellular
8014 Bayberry Rd
Jacksonville FL 32256
5951
Account No: 2/2010 - 4/2011 $ 1,320.00
Harvard Collections Original Creditor - Loretto Hosp.
4839 N Elston Ave
Chicago IL 60630
1498
Account No: 2008 $ 1,449.46
HBLC Inc.
2615 3 Oaks Rd Ste 1C2
Cary IL 60013
Account No: 1498

Representing: STEVEN J FINK
25 East Washington #1233
HBLC Inc.
Chicago IL 60602
7465
Account No: 2009 $ 915.21
JRSI Inc.
21238 Bridge Street
Southfield MI 48034
Account No: 7465

Representing: STEVEN J FINK
JRSI Inc. Chicago IL 60602


Unliquidated
Co-Debtor
including Zip Code,
Contingent
Disputed
And Account Number
H--Husband
J--Joint
C--Community
7062
Account No: 1/2009 - 4/2011 $ 714.00
Merchants Credit Guide Original Creditor - Professional
223 W Jackson Blvd
#400 Collection Consul
Chicago IL 60606
2007
Account No: 4/2007 - 4/2011 $ 28,475.00
Creditor # : 18 Student Loan
Sallie Mae
11100 USA Pkwy
Fishers IN 46037
Account No:
Account No:
Account No:
Account No:

(Use only on last page of the com pleted Schedule F. Report also on Sum m ary of $ 50,229.67
Case 11-28182
B6G (Official Form 6G) (12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
In re Tony Holmes / Debtor Case No.

(if known)
SCHEDULE G-EXECUTORY CONTRACTS AND UNEXPIRED LEASES
Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State the nature of
debtor's interests in contract, i.e., "Purchaser," "Agent," etc. State whether debtor is the lessor or lessee of a lease. Provide the names and complete mailing
addresses of all other parties to each lease or contract described. If a minor child is a party to one of the leases or contracts, state the child's initials and the
name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See,
11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Check this box if the debtor has no executory contracts or unexpired leases.
Name and Mailing Address, Description of Contract or Lease and

Including Zip Code, of Nature of Debtor's Interest.
Other Parties to Lease State whether Lease is for Nonresidential Real Property.
or Contract. State Contract Number of any Government Contract.
Page 1 of 1
Case 11-28182
B6H (Official Form 6H) (12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
In re Tony Holmes / Debtor Case No.

(if known)
SCHEDULE H-CODEBTORS
Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listed by the
debtor in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state,
commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or
Wisconsin) within the eight year period immediately preeceding the commencement of the case, identify the name of the debtors spouse and of
any former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names used by
the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor,
state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not
disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Check this box if the debtor has no codebtors.
Name and Address of Codebtor Name and Address of Creditor
Page 1 of 1
Case 11-28182
B6I (Official Form 6I) (12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main

SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)

The column labeled “Spouse” must be completed in all cases filed by joint debtors and by every married debtor, whether or not a joint petition is
filed, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly income
calculated on this form may differ from the current monthly income calculated on Form 22A, 22B, or 22C.
Debtor's Marital DEPENDENTS OF DEBTOR AND SPOUSE
Status: RELATIONSHIP(S): AGE(S):
Single
EMPLOYMENT: DEBTOR SPOUSE
Occupation Manager
Name of Employer Avon
How Long Employed
Address of Employer Midland & Peck Ave
Avon Plaza
Rye NY 10580
INCOME: (Estimate of average or projected monthly income at time case filed) DEBTOR SPOUSE
1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly) $ 2,914.17 $ 0.00
2. Estimate monthly overtime $ 0.00 $ 0.00
3. SUBTOTAL $ 2,914.17 $ 0.00
4. LESS PAYROLL DEDUCTIONS
a. Payroll taxes and social security $ 476.67 $ 0.00
b. Insurance $ 67.17 $ 0.00
c. Union dues $ 0.00 $ 0.00
d. Other (Specify): $ 0.00 $ 0.00
5. SUBTOTAL OF PAYROLL DEDUCTIONS $ 543.83 $ 0.00
6. TOTAL NET MONTHLY TAKE HOME PAY $ 2,370.33 $ 0.00
7. Regular income from operation of business or profession or farm (attach detailed statement) $ 0.00 $ 0.00
8. Income from real property $ 0.00 $ 0.00
9. Interest and dividends $ 0.00 $ 0.00
10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that $ 0.00 $ 0.00
of dependents listed above.
11. Social security or government assistance
(Specify): $ 0.00 $ 0.00
12. Pension or retirement income $ 0.00 $ 0.00
13. Other monthly income
(Specify): $ 0.00 $ 0.00
14. SUBTOTAL OF LINES 7 THROUGH 13 $ 0.00 $ 0.00

15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $ 2,370.33 $ 0.00
16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals $ 2,370.33
from line 15; if there is only one debtor repeat total reported on line 15)
(Report also on Summary of Schedules and, if applicable, on
Statistical Summary of Certain Liabilities and Related Data)
17. Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:
Page No. 1 of 1
Case 11-28182
B6J(Official Form 6J)(12/07) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main

SCHEDULE J-CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR
Complete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family. Prorate any payments
made bi-weekly, quarterly, semi-annually, or annually to show monthly rate. The average monthly expenses calculated on this form may differ from
the deductions from income allowed on Form 22 A or 22C.
Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of expenditures labeled
"Spouse."
1. Rent or home mortgage payment (include lot rented for mobile home) $ 950.00
.....................................................................................................................
a. Are real estate taxes included? Yes No
b. Is property insurance included? Yes No
2. Utilities: a. Electricity and heating fuel $ 200.00
..................................................................................................................................................
b. Water and sewer $ 0.00
c. Telephone ..............................................................................................................................................................
$ 75.00
d. Other Cable & Internet $ 100.00
Other
...................................................................................................................................................................
$ 0.00
3. Home maintenance (repairs and upkeep) $ 0.00

..............................................................................................................................................
4. Food $ 450.00
5. Clothing $ 100.00
.................................................................................................................................................................................
6. Laundry and dry cleaning $ 30.00
7. Medical and dental expenses $ 100.00
........................................................................................................................................................
8. Transportation (not including car payments) $ 250.00
9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 50.00
..................................................................................................................
10. Charitable contributions $ 0.00
11. Insurance (not deducted from wages or included in home mortgage payments)
a. Homeowner's or renter's $ 0.00
....................................................................................................................................................
b. Life $ 0.00
c. Health $ 0.00
......................................................................................................................................................................
d. Auto $ 0.00
e. Other $ 0.00
........................................................................................................................................................................
Other $ 0.00
12. Taxes (not deducted from wages or included in home mortgage)

(Specify) $ 0.00
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the plan)
a. Auto $ 0.00
........................................................................................................................................................................
b. Other: $ 0.00
c. Other: $ 0.00
........................................................................................................................................................................
14. Alimony, maintenance, and support paid to others $ 0.00

..................................................................................................................................
15. Payments for support of additional dependents not living at your home $ 0.00
16. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ 0.00
....................................................................................
17. Other: Personal Grooming $ 50.00
Other: $ 0.00
...............................................................................................................................................................................
0.00
18. AVERAGE MONTHLY EXPENSES Total lines 1-17. Report also on Summary of Schedules $ 2,355.00
and, if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)
19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year following the filing of this document:
20. STATEMENT OF MONTHLY NET INCOME

a. Average monthly income from Line 16 of Schedule I $ 2,370.33
b. Average monthly expenses from Line 18 above $ 2,355.00
c. Monthly net income (a. minus b.) $ 15.33
Case 11-28182 Doc 1
B6 Declaration (Official Form 6 - Declaration) (12/07) Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main

Debtor (if known)
DECLARATION CONCERNING DEBTOR'S SCHEDULES
DECLARATION UNDER PENALTY OF PERJURY BY AN INDIVIDUAL DEBTOR
I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of 18 sheets, and that they are true and
correct to the best of my knowledge, information and belief.
Date: 7/7/2011 Signature /s/ Tony Holmes

Tony Holmes
[If joint case, both spouses must sign.]
Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both. 18 U.S.C. §§ 152 and 3571.
Form 7 (04/10) Case 11-28182 Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
EASTERN DIVISION
In re: Tony Holmes Case No.
STATEMENT OF FINANCIAL AFFAIRS

This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for
both spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether
or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole
proprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all such
activities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the
name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not diclose the child's name. See, 11
U.S.C. § 112 and Fed. R. Bankr. P. 1007(m).
Questions 1-18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete
Questions 19-25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer to
any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.
DEFINITIONS
"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in
business" for the purpose of this form if the debtor is or has been, within the six years immediately preceding the filing of this bankruptcy case,
any of the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a
partner, other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor my also be "in
business" for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement
income from the debtor's primary employment.
"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;
corporations of which the debtor is an officer, director, or person in control; officers, directors, and any owner of 5 percent or more of the voting
or equity securities of a corporation debtor and their relatives; affiliates of the debtor and insiders of such affiliates; any managing agent of the
debtor. 11 U.S.C. §101.
1. Income from employment or operation of business

None State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's business, including
part-time activities either as an employee or in independent trade or business, from the beginning of this calendar year to the date this case was
commenced. State also the gross amounts received during the two years immediately preceding this calendar year. (A debtor that maintains, or has
maintained, financial records on the basis of a fiscal rather than a calendar year may report fiscal year income. Identify the beginning and ending dates of
the debtor's fiscal year.) If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must
state income of both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT SOURCE
Year to date: $19,582.00 Income from employment.

Last Year: $29,544.00
Year before: $27,200.00
2. Income other than from employment or operation of business

None State the amount of income received by the debtor other than from employment, trade, profession, operation of the debtor's business during the two years
immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for each spouse separately. (Married
debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint petition is filed, unless the spouses are separated and
a joint petition is not filed.)
Statement of Affairs - Page 1

3. Payments to creditors
None Complete a. or b., as appropriate, and c.
a. Individual or joint debtor(s) with primarily consumer debts: List all payments on loans, installment purchases of goods or services, and other debts to any
creditor, made within 90 days immediately preceding the commencement of this case unless the aggregate value of all property that constitutes or is
affected by such transfer is less than $600. Indicate with an asterisk (*) any payments that were made to a creditor on account of a domestic support
obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and creditor counseling agency. (Married debtors
filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint petition is filed, unless the spouses are
separated and a joint petition is not filed.)
None b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days immediately preceding the
commencement of this case unless the aggregate value of all property that constitutes or is affected by such transfer is less than $5,850*. If the debtor is
an individual, indicate with an asterisk (*) any payments that were made to a creditor on account of a domestic support obligation or as part of an alternative
repayment schedule under a plan by an approved nonprofit budgeting and creditor counseling agency. (Married debtors filingunder chapter 12 or chapter 13
must include payments and other transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint
petition is not filed.)
* Amounts are subject to adjustment on 4/01/13, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
None c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of creditors who are or
were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint petition is filed,
unless the spouses are separated and a joint petition is not filed.)
4. Suits and administrative proceedings, executions, garnishments and attachments

None a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of this bankruptcy case.
(Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless
the spouses are separated and a joint petition is not filed.)
CAPTION OF SUIT COURT OR AGENCY

AND CASE NUMBER NATURE OF PROCEEDING AND LOCATION STATUS OR DISPOSITION
HBLC Inc vs Tony Breach of Contract Circuit Court of Judgment Entered

Holmes; Cook County
2009 M1 138182
Capital One Bank vs Breach of Contract Circuit Court of Judgment Entered

Tony Holmes; Cook County
2009 M1 151834
Asset Acceptance vs Breach of Contract Circuit Court of Judgment Entered

Tony Holmes; Cook County
2009 M1 189787
J.R.S. vs Tony Breach of Contract Circuit Court of Judgment Entered

Holmes; Cook County
2009 M1 195295
None b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately preceding the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF PERSON FOR DATE OF
WHOSE BENEFIT PROPERTY WAS SEIZED SEIZURE DESCRIPTION AND VALUE OF PROPERTY
Name: Sallie Mae 4/2011 Description: Tax Refund

Address: 11100 USA Pkwy Value: $7800.00
Fishers, IN 46037
5. Repossessions, foreclosures and returns

None List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or returned to the seller,
within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information
concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
6. Assignments and receiverships

None a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of this case. (Married
debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
None b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately preceding the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
7. Gifts
None List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary and usual gifts to
family members aggregating less than $200 in value per individual family member and charitable contributions aggregating less than $100 per recipient.
(Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by either or both spouses whether or not a joint petition is filed,
unless the spouses are separated and a joint petition is not filed.)
8. Losses
None List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or since the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both spouses whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
9. Payments related to debt counseling or bankruptcy

None List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation concerning debt
consolidation, relief under the bankruptcy law or preparation of a petition in bankruptcy within one year immediately preceding the commencement of
this case.
DATE OF PAYMENT, AMOUNT OF MONEY OR

NAME AND ADDRESS OF PAYEE NAME OF PAYER IF OTHER THAN DEBTOR DESCRIPTION AND VALUE OF PROPERTY
Payee: Jeff Whitehead Date of Payment:5/1/2011 $1500.00

Address: Payor: Tony Holmes
211 W Wacker Drive
Suite 750
Chicago, IL 60606

10. Other transfers
None a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred either absolutely
or as security within two years immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include
transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
None b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled trust or similar device
of which the debtor is a benificiary.
11. Closed financial accounts

None List all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or otherwise transferred
within one year immediately preceding the commencement of this case. Include checking, savings, or other financial accounts, certificates of deposit, or
other instruments; shares and share accounts held in banks, credit unions, pension funds, cooperatives, associations, brokerage houses and other financial
institutions. (Married debtors filing under chapter 12 or chapter 13 must include information concerning accounts or instruments held by or for either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
12. Safe deposit boxes

None List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year immediately preceding
the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or depositories of either or both spouses whether
or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
13. Setoffs
None List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the commencement of this case.
(Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless
the spouses are separated and a joint petition is not filed.)
14. Property held for another person

None List all property owned by another person that the debtor holds or controls.
15. Prior address of debtor

None If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor occupied during that
period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate address of either spouse.
DATES OF
ADDRESS NAME USED OCCUPANCY
2748 West 26th Street Name(s): Tony Holmes 2009 to

Chicago, IL 60627 4/2011
16. Spouses and Former Spouses

None If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada,
New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the commencement of the case, identify the name of
the debtor's spouse and of any former spouse who resides or resided with the debtor in the community property state.

17. Environmental Information

None For the purpose of this question, the following definitions apply:
"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous or toxic substances,
wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to, statutes or regulations regulating the
cleanup of these substances, wastes, or material.
"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or operated by the
debtor,
including, but not limited to disposal sites.
"Hazardous Material" means anything defined as hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant, or contaminant or
similar termunder an Environmental Law:
a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable or potentially liable
under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known, the Environmental Law:
None b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous Material. Indicate the
governmental unit to which the notice was sent and the date of the notice.
None c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law, with respect to which the debtor is or was a
party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the docket number.
18. Nature, location and name of business

None a. If the debtor is an individual, list the names, addresses, taxpayer-identification numbers, nature of the businesses, and beginning and ending dates of all
businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a partnership, sole proprietor, or was
self-employed in a trade, profession, or other activity either full- or part-time within six years immediately preceding the commencement of this case, or in
which the debtor owned 5 percent or more of the voting or equity securities within six years immediately preceding the commencement of this case
If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of
all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six years immediately preceding the
commencment of this case.
If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of
all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six years immediately preceding the
commencment of this case.
None b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.

[If completed by an individual or individual and spouse]
I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto and that
they are true and correct.
Date 07/07/2011 Signature /s/ Tony Holmes

of Debtor
Signature
Date
of Joint Debtor
(if any)

Case 11-28182
B 8 (Official Form 8) (12/08) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
EASTERN DIVISION

Chapter 7
/ Debtor
CHAPTER 7 STATEMENT OF INTENTION

Part A - Debts Secured by property of the estate. (Part A must be completed for EACH debt which is secured by property of the estate.
Attach additional pages if necessary.)
Property No.
Creditor's Name : Describe Property Securing Debt :

None
Property will be (check one) :
Surrendered Retained
If retaining the property, I intend to (check at least one) :
Redeem the property
Reaffirm the debt
Other. Explain (for example, avoid lien using 11 U.S.C § 522 (f)).
Property is (check one) :
Claimed as exempt Not claimed as exempt
Part B - Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease. Attach
additional pages if necessary.)
Property No.
Lessor's Name: Describe Leased Property: Lease will be assumed
pursuant to 11 U.S.C. §
None 365(p)(2):
Yes No
Signature of Debtor(s)
I declare under penalty of perjury that the above indicates my intention as to any property of my estate securing a debt
and/or personal property subject to an unexpired lease.
Date: 07/07/2011 Debtor: /s/ Tony Holmes
Date: Joint Debtor:
Page 1 of 1
Case 11-28182
Rule 2016(b) (8/91) Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main
EASTERN DIVISION
Tony Holmes Case No.
In re
Chapter 7
/ Debtor
Attorney for Debtor: Jeff Whitehead
STATEMENT PURSUANT TO RULE 2016(B)
The undersigned, pursuant to Rule 2016(b), Bankruptcy Rules, states that:

1. The undersigned is the attorney for the debtor(s) in this case.
2. The compensation paid or agreed to be paid by the debtor(s), to the undersigned is:
a) For legal services rendered or to be rendered in contemplation of and in
connection with this case . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 1,500.00
b) Prior to the filing of this statement, debtor(s) have paid . . . . . . . . . . . . . . . $ 1,500.00
c) The unpaid balance due and payable is . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 0.00
3. $ 299.00 of the filing fee in this case has been paid.
4. The Services rendered or to be rendered include the following:

a) Analysis of the financial situation, and rendering advice and assistance to the debtor(s) in determining whether to
file a petition under title 11 of the United States Code.
b) Preparation and filing of the petition, schedules, statement of financial affairs and other documents required by the
court.
c) Representation of the debtor(s) at the meeting of creditors.
5. The source of payments made by the debtor(s) to the undersigned was from earnings, wages and compensation for
services performed, and
None other
6. The source of payments to be made by the debtor(s) to the undersigned for the unpaid balance remaining, if any, will
be from earnings, wages and compensation for services performed, and
None other
7. The undersigned has received no transfer, assignment or pledge of property from debtor(s) except the following for
the value stated:
None
8. The undersigned has not shared or agreed to share with any other entity, other than with members of undersigned's
law firm, any compensation paid or to be paid except as follows:
None
Dated: 07/07/2011 Respectfully submitted,
X /s/ Jeff Whitehead

Attorney for Petitioner: Jeff Whitehead
Law Office of Jeff Whitehead
211 W Wacker Drive
Suite 750
Chicago IL 60606
312-648-0473
EASTERN DIVISION

Chapter 7
/ Debtor
Attorney for Debtor: Jeff Whitehead
VERIFICATION OF CREDITOR MATRIX
The above named Debtor(s) hereby verify that the attached list of creditors is true and correct to the
best of our knowledge.
Date: 07/07/2011 /s/ Tony Holmes

Debtor
AFNI Document Page 35 of 39
PO Box 3097
Bloomington, IL 61702-3517
Alexander Stoykov
100 North Chester
Park Ridge, IL 60068
Asset Acceptance
PO Box 1630
Warren, MI 48090
Blatt Hasenmiller
125 S Wacker
Suite 400
Chicago, IL 60606
California Student Aid

PO Box 419032
Rancho Cordova, CA 95741
Capital One
PO Box 30281
Salt Lake City, UT 84130
Chase
PO Box 15298
Wilmington, DE 19850
Credit Management
4200 International Pkwy
Carrollton, TX 75007
PO Box 88292
Chicago, IL 60680-1292
PO Box 88298
Chicago, IL 60680-1298
Dependon Collection
PO Box 4833
Hinsdale, IL 60522
Enhanced Recovery
8014 Bayberry Rd
Jacksonville, FL 32256
Harvard Collections
4839 N Elston Ave
Chicago, IL 60630
HBLC Inc.
2615 3 Oaks Rd Ste 1C2
Cary, IL 60013
Tony Holmes
7824 South Lafflin Street
Chicago, IL 60620
Jeff Whitehead
211 W Wacker Drive
Suite 750
Chicago, IL 60606
JRSI Inc.
21238 Bridge Street
Southfield, MI 48034
Jutla Sanjay
55 E Jackson
16th Floor
Chicago, IL 60604
Merchants Credit Guide

223 W Jackson Blvd
#400
Chicago, IL 60606
Michael D Fine
131 S Dearborn
Floor 5
Chicago, IL 60603
Sallie Mae
11100 USA Pkwy
Fishers, IN 46037
Secretary of State
2701 S Dirksen Pkwy
Springfield, IL 62723
Steven Fink
25 E Washington
Suite 1233
Chicago, IL 60602
STEVEN J FINK
Chicago, IL 60602
NOTICE TO CONSUMER DEBTORS

ON INFORMATION REQUIRED IN BANKRUPTCY CASES
(Pursuant to 11 U.S.C. 527(a)(2))
The bankruptcy code requires you to provide complete and accurate information about your
debts, property and financial affairs. We take this requirement very seriously. We want you to
understand these requirements clearly.
(A) All information that you are required to provide with a bankruptcy petition and
thereafter during your bankruptcy case is required to be complete, accurate and
truthful.
(B) In the documents you have me file with the court to commence your
bankruptcy case and thereafter, you must completely and accurately disclose
all your assets and all of your liabilities. You must provide the replacement
value without deducting the costs of sale or marketing as of the date you file of
each item of personal property (property other than real estate) that is subject
to a lien or security interest. You must make a reasonable inquiry to establish
this value. If you acquired the property primarily for personal, family or
household purposes, “replacement value” means the price a retail merchant
would charge for an item of that kind given the age and condition of the item at
the time you file.
(C) You must accurately provide after reasonable inquiry, your current monthly
income, the amounts specified in 11 U.S.C. § 707(b)(2) and in a case under
Chapter 13, disposable income (determined in accordance with § 707 (b)(2)).
(D) Information you provide during your case may be audited pursuant to the
Bankruptcy Code. Failure to provide accurate information may result in
dismissal of your case or other sanction including a criminal sanction.
I have received a copy of this notice
_____________________________ ___________ ___________________________________

Signature of Assisted Person Date Address
________________________________ ___________________________________
Printed Name of Assisted Person City, State, Zip
________________________________
Last 4 Digits of Social Security Number
B 201A (Form 201A) (12/09)
WARNING: Effective December 1, 2009, the 15-day deadline to file schedules and certain other documents under
Bankruptcy Rule 1007(c) is shortened to 14 days. For further information, see note at bottom of page 2
NOTICE TO CONSUMER DEBTOR(S) UNDER §342(b)

OF THE BANKRUPTCY CODE
In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer
debts: (1) Describes briefly the services available from credit counseling services; (2) Describes briefly the
purposes, benefits and costs of the four types of bankruptcy proceedings you may commence; and (3) Informs you
about bankruptcy crimes and notifies you that the Attorney General may examine all information you supply in
connection with a bankruptcy case.
You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek
the advice of an attorney to learn of your rights and responsibilities should you decide to file a petition. Court
employees cannot give you legal advice.
Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In
order to ensure that you receive information about events concerning your case, Bankruptcy Rule 4002 requires that
you notify the court of any changes in your address. If you are filing a joint case (a single bankruptcy case for two
individuals married to each other), and each spouse lists the same mailing address on the bankruptcy petition, you
and your spouse will generally receive a single copy of each notice mailed from the bankruptcy court in a jointly-
addressed envelope, unless you file a statement with the court requesting that each spouse receive a separate copy of
all notices.
1. Services Available from Credit Counseling Agencies
With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file
for bankruptcy relief on or after October 17, 2005, receive a briefing that outlines the available opportunities
for credit counseling and provides assistance in performing a budget analysis. The briefing must be given
within 180 days before the bankruptcy filing. The briefing may be provided individually or in a group (including
briefings conducted by telephone or on the Internet) and must be provided by a nonprofit budget and credit
counseling agency approved by the United States trustee or bankruptcy administrator. The clerk of the bankruptcy
court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a joint
case must complete the briefing.
In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial
management instructional course before he or she can receive a discharge. The clerk also has a list of approved
financial management instructional courses. Each debtor in a joint case must complete the course.
2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors
Chapter 7: Liquidation ($245 filing fee, $39 administrative fee, $15 trustee surcharge: Total fee $299)
Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing
debts. Debtors whose debts are primarily consumer debts are subject to a “means test” designed to determine
whether the case should be permitted to proceed under chapter 7. If your income is greater than the median income
for your state of residence and family size, in some cases, the United States trustee (or bankruptcy administrator), the
trustee, or creditors have the right to file a motion requesting that the court dismiss your case under § 707(b) of the
Code. It is up to the court to decide whether the case should be dismissed.
Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may
have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to
pay your creditors.
The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are
Form B 201A, Notice to Consumer Debtor(s) Page 39 of 39
Document Page 2
found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny
your discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated.
Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore,
you may still be responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic
support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations;
certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused
by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove
that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy
court may determine that the debt is not discharged.
Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing
fee, $39 administrative fee: Total fee $274)
Chapter 13 is designed for individuals with regular income who would like to pay all or part of
their debts in installments over a period of time. You are only eligible for chapter 13 if your debts do not exceed
certain dollar amounts set forth in the Bankruptcy Code.
Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you
owe them, using your future earnings. The period allowed by the court to repay your debts may be three years or
five years, depending upon your income and other factors. The court must approve your plan before it can take
effect.
After completing the payments under your plan, your debts are generally discharged except for domestic
support obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts
which are not properly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury;
and certain long term secured obligations.
Chapter 11: Reorganization ($1000 filing fee, $39 administrative fee: Total fee $1039)
Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its
provisions are quite complicated, and any decision by an individual to file a chapter 11 petition should be reviewed
with an attorney.
Chapter 12: Family Farmer or Fisherman ($200 filing fee, $39 administrative fee: Total fee $239)
Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from
future earnings and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those
whose income arises primarily from a family-owned farm or commercial fishing operation.
3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials
A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty
of perjury, either orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or
both. All information supplied by a debtor in connection with a bankruptcy case is subject to examination by the
Attorney General acting through the Office of the United States Trustee, the Office of the United States Attorney,
and other components and employees of the Department of Justice.
WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your
creditors, assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if
this information is not filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and
the local rules of the court. The documents and the deadlines for filing them are listed on Form B200, which is posted at
http://www.uscourts.gov/bkforms/bankruptcy_forms.html#procedure.
Many filing deadlines change on December 1, 2009. Of special note, 12 rules that set 15 days to act are amended to
require action within 14 days, including Rule 1007(c), filing the initial case papers; Rule 3015(b), filing a chapter 13
plan; Rule 8009(a), filing appellate briefs; and Rules 1019, 1020, 2015, 2015.1, 2016, 4001, 4002, 6004, and 6007.

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Case 11-28182 Doc 1 Filed 07/07/11 Entered 07/07/11 21:49:46 Desc Main

Official Form 1 (04/10) Document Page 1 of 39

Location of Principal Assets of Business Debtor ZIPCODE

Type of Debtor (Form of organization)

Filing Fee (Check one box) Check if:

Information Regarding the Debtor - Venue

Certification by a Debtor Who Resides as a Tenant of Residential Property

(Name of landlord that obtained judgment)

(Printed name of Foreign Representative)

Signature of Debtor (Corporation/Partnership)

Printed Name of Authorized Individual

UNITED STATES BANKRUPTCY COURT

In re Tony Holmes Case No.

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

Signature of Debtor: /s/ Tony Holmes

UNITED STATES BANKRUPTCY COURT

D-Creditors Holding Secured

G-Executory Contracts and

I-Current Income of Individual

TOTAL 17 $ 2,725.00 $ 65,479.67

UNITED STATES BANKRUPTCY COURT

This information is for statistical purposes only under 28 U.S.C. § 159.

Type of Liability Amount

State the following:

Average Income (from Schedule I, Line 16) $ 2,370.33

1. Total from Schedule D, "UNSECURED PORTION, IF ANY" column $ 0.00

In re Tony Holmes , Case No.

SCHEDULE A-REAL PROPERTY

No continuation sheets attached TOTAL $ 0.00

SCHEDULE B-PERSONAL PROPERTY

1. Cash on hand. Cash on Hand $ 100.00

2. Checking, savings or other financial Checking Account $ 225.00

Checking Account $ 300.00

3. Security deposits with public utilities, X

5. Books, pictures and other art objects, X

7. Furs and jewelry. Costume Jewelry $ 100.00

8. Firearms and sports, photographic, and X

9. Interests in insurance policies. Name X

SCHEDULE B-PERSONAL PROPERTY

10. Annuities. Itemize and name each issuer. X

11. Interest in an education IRA as X

12. Interests in IRA, ERISA, Keogh, or other X

14. Interests in partnerships or joint ventures. X

15. Government and corporate bonds and X

17. Alimony, maintenance, support, and X

19. Equitable or future interests, life estates, X

20. Contingent and non-contingent interests X

22. Patents, copyrights, and other intellectual X

23. Licenses, franchises, and other general X

24. Customer lists or other compilations X

26. Boats, motors, and accessories. X

SCHEDULE B-PERSONAL PROPERTY

27. Aircraft and accessories. X

28. Office equipment, furnishings, and X

29. Machinery, fixtures, equipment and X

32. Crops - growing or harvested. X

33. Farming equipment and implements. X

34. Farm supplies, chemicals, and feed. X

35. Other personal property of any kind not X