US Bankruptcy Court | Legal News

Ryan Roybal
Document #1
United States Bankruptcy Court, E.D. California

Docket Number: 18-20585

Description

Chapter 7 Voluntary Petition Individual. All Schedules and Statements filed. (Fee Paid $335.00) (eFilingID: 6214067) (Entered: 02/02/2018)

Filed 02/01/18 Case 18-20585 Doc 1
Fill in this information to identify your case:

United States Bankruptcy Court for the:
Eastern District
__________ of California
District of __________

Case number (If known): _________________________ Chapter you are filing under:
✔ Chapter 7

Chapter 11
Chapter 12
Chapter 13 Check if this is an
amended filing

2IILFLDO)RUP
Voluntary Petition for Individuals Filing for Bankruptcy 12/15

The bankruptcy forms use you and Debtor 1 to refer to a debtor filing alone. A married couple may file a bankruptcy case together—called a
joint case—and in joint cases, these forms use you to ask for information from both debtors. For example, if a form asks, “Do you own a car,”
the answer would be yes if either debtor owns a car. When information is needed about the spouses separately, the form uses Debtor 1 and
Debtor 2 to distinguish between them. In joint cases, one of the spouses must report information as Debtor 1 and the other as Debtor 2. The
same person must be Debtor 1 in all of the forms.
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case number
(if known). Answer every question.

Part 1: Identify Yourself

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):
1. Your full name
Write the name that is on your
government-issued picture
Ryan
__________________________________________________ __________________________________________________
First name First name
identification (for example,
your driver’s license or __________________________________________________ __________________________________________________
passport). Middle name Middle name

Bring your picture Roybal
__________________________________________________ __________________________________________________
identification to your meeting Last name Last name
with the trustee. ___________________________ ___________________________
Suffix (Sr., Jr., II, III) Suffix (Sr., Jr., II, III)

2. All other names you Ryan
__________________________________________________ __________________________________________________
have used in the last 8 First name First name
years D.
__________________________________________________ __________________________________________________
Include your married or Middle name Middle name
maiden names. Roybal
__________________________________________________ __________________________________________________
Last name Last name

Ryan
__________________________________________________ __________________________________________________
First name First name
Dean
__________________________________________________ __________________________________________________
Middle name Middle name
Roybal
__________________________________________________ __________________________________________________
Last name Last name

3. Only the last 4 digits of
your Social Security xxx 1 ____
– xx – ____ 2 ____
0 ____ 4 xxx – xx – ____ ____ ____ ____
number or federal OR OR
Individual Taxpayer
Identification number 9 xx – xx – ____ ____ ____ ____ 9 xx – xx – ____ ____ ____ ____
(ITIN)

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 1
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

4. Any business names
and Employer I have not used any business names or EINs. I have not used any business names or EINs.
Identification Numbers
(EIN) you have used in RAD Construction
_________________________________________________ _________________________________________________
the last 8 years Business name Business name

Include trade names and
_________________________________________________ _________________________________________________
doing business as names Business name Business name

___ ___ – ___ ___ ___ ___ ___ ___ ___ ___ ___ – ___ ___ ___ ___ ___ ___ ___
EIN EIN

5. Where you live If Debtor 2 lives at a different address:

800 Oak Lane
_________________________________________________ _________________________________________________
Number Street Number Street

_________________________________________________ _________________________________________________

Rio Linda CA 95673
_________________________________________________ _________________________________________________
City State ZIP Code City State ZIP Code

Sacramento
_________________________________________________ _________________________________________________
County County

If your mailing address is different from the one If Debtor 2’s mailing address is different from
above, fill it in here. Note that the court will send yours, fill it in here. Note that the court will send
any notices to you at this mailing address. any notices to this mailing address.

_________________________________________________ _________________________________________________
Number Street Number Street

_________________________________________________ _________________________________________________
P.O. Box P.O. Box

_________________________________________________ _________________________________________________
City State ZIP Code City State ZIP Code

6. Why you are choosing Check one: Check one:
this district to file for
✔ Over the last 180 days before filing this petition,
Over the last 180 days before filing this petition,
bankruptcy
I have lived in this district longer than in any I have lived in this district longer than in any
other district. other district.

I have another reason. Explain. I have another reason. Explain.
(See 28 U.S.C. § 1408.) (See 28 U.S.C. § 1408.)
________________________________________ ________________________________________
________________________________________ ________________________________________
________________________________________ ________________________________________
________________________________________ ________________________________________

2IILFLDO)RUP Voluntary Petition for Individuals Filing for Bankruptcy page 2
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 2: Tell the Court About Your Bankruptcy Case

7. The chapter of the Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing
Bankruptcy Code you for Bankruptcy (Form 2010)). Also, go to the top of page 1 and check the appropriate box.
are choosing to file ✔ Chapter 7
under

Chapter 11
Chapter 12
Chapter 13

8. How you will pay the fee ✔ I will pay the entire fee when I file my petition. Please check with the clerk’s office in your

local court for more details about how you may pay. Typically, if you are paying the fee
yourself, you may pay with cash, cashier’s check, or money order. If your attorney is
submitting your payment on your behalf, your attorney may pay with a credit card or check
with a pre-printed address.

I need to pay the fee in installments. If you choose this option, sign and attach the
Application for Individuals to Pay The Filing Fee in Installments (Official Form 103A).

I request that my fee be waived (You may request this option only if you are filing for Chapter 7.
By law, a judge may, but is not required to, waive your fee, and may do so only if your income is
less than 150% of the official poverty line that applies to your family size and you are unable to
pay the fee in installments). If you choose this option, you must fill out the Application to Have the
Chapter 7 Filing Fee Waived (Official Form 103B) and file it with your petition.

9. Have you filed for ✔ No

bankruptcy within the
Yes. Eastern District of California When
District __________________________ 09/19/2008 Case number ___________________________
_______________ 2008-15848
last 8 years?
MM / DD / YYYY

District __________________________ When _______________ Case number ___________________________
MM / DD / YYYY

10. Are any bankruptcy ✔ No

cases pending or being
filed by a spouse who is Yes. Debtor _________________________________________________ Relationship to you _____________________
not filing this case with District __________________________ When _______________ Case number, if known____________________
you, or by a business MM / DD / YYYY
partner, or by an
affiliate?
Debtor _________________________________________________ Relationship to you _____________________

District __________________________ When _______________ Case number, if known____________________
MM / DD / YYYY

11. Do you rent your No. Go to line 12.
residence? ✔ Yes.
Has your landlord obtained an eviction judgment against you and do you want to stay in your
residence?

✔
No. Go to line 12.
Yes. Fill out Initial Statement About an Eviction Judgment Against You (Form 101A) and file it with
this bankruptcy petition.

2IILFLDO)RUP Voluntary Petition for Individuals Filing for Bankruptcy page 3
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 3: Report About Any Businesses You Own as a Sole Proprietor

12. Are you a sole proprietor ✔ No. Go to Part 4.

of any full- or part-time
business? Yes. Name and location of business
A sole proprietorship is a
business you operate as an _______________________________________________________________________________________
Name of business, if any
individual, and is not a
separate legal entity such as
a corporation, partnership, or _______________________________________________________________________________________
Number Street
LLC.
If you have more than one
_______________________________________________________________________________________
sole proprietorship, use a
separate sheet and attach it
to this petition. _______________________________________________ _______ __________________________
City State ZIP Code

Check the appropriate box to describe your business:
Health Care Business (as defined in 11 U.S.C. § 101(27A))
Single Asset Real Estate (as defined in 11 U.S.C. § 101(51B))
Stockbroker (as defined in 11 U.S.C. § 101(53A))
Commodity Broker (as defined in 11 U.S.C. § 101(6))
✔ None of the above

13. Are you filing under If you are filing under Chapter 11, the court must know whether you are a small business debtor so that it
Chapter 11 of the can set appropriate deadlines. If you indicate that you are a small business debtor, you must attach your
Bankruptcy Code and most recent balance sheet, statement of operations, cash-flow statement, and federal income tax return or if
any of these documents do not exist, follow the procedure in 11 U.S.C. § 1116(1)(B).
are you a small business
debtor? ✔ No.
I am not filing under Chapter 11.
For a definition of small
business debtor, see No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in
11 U.S.C. § 101(51D). the Bankruptcy Code.

Yes. I am filing under Chapter 11 and I am a small business debtor according to the definition in the
Bankruptcy Code.

Part 4: Report if You Own or Have Any Hazardous Property or Any Property That Needs Immediate Attention

14. Do you own or have any ✔
No
property that poses or is
alleged to pose a threat Yes. What is the hazard? ________________________________________________________________________
of imminent and
identifiable hazard to ________________________________________________________________________
public health or safety?
Or do you own any
property that needs
If immediate attention is needed, why is it needed? _______________________________________________
immediate attention?
For example, do you own ________________________________________________________________________
perishable goods, or livestock
that must be fed, or a building
that needs urgent repairs?
Where is the property? ________________________________________________________________________
Number Street

________________________________________________________________________

________________________________________ _______ ____________________
City State ZIP Code

2IILFLDO)RUP Voluntary Petition for Individuals Filing for Bankruptcy page 4
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 5: Explain Your Efforts to Receive a Briefing About Credit Counseling

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):
15. Tell the court whether
you have received a
briefing about credit You must check one: You must check one:
counseling. ✔ I received a briefing from an approved credit
I received a briefing from an approved credit
counseling agency within the 180 days before I counseling agency within the 180 days before I
The law requires that you filed this bankruptcy petition, and I received a filed this bankruptcy petition, and I received a
receive a briefing about credit certificate of completion. certificate of completion.
counseling before you file for
Attach a copy of the certificate and the payment Attach a copy of the certificate and the payment
bankruptcy. You must
plan, if any, that you developed with the agency. plan, if any, that you developed with the agency.
truthfully check one of the
following choices. If you I received a briefing from an approved credit I received a briefing from an approved credit
cannot do so, you are not counseling agency within the 180 days before I counseling agency within the 180 days before I
eligible to file. filed this bankruptcy petition, but I do not have a filed this bankruptcy petition, but I do not have a
certificate of completion. certificate of completion.
If you file anyway, the court
Within 14 days after you file this bankruptcy petition, Within 14 days after you file this bankruptcy petition,
can dismiss your case, you
you MUST file a copy of the certificate and payment you MUST file a copy of the certificate and payment
will lose whatever filing fee
plan, if any. plan, if any.
you paid, and your creditors
can begin collection activities I certify that I asked for credit counseling I certify that I asked for credit counseling
again. services from an approved agency, but was services from an approved agency, but was
unable to obtain those services during the 7 unable to obtain those services during the 7
days after I made my request, and exigent days after I made my request, and exigent
circumstances merit a 30-day temporary waiver circumstances merit a 30-day temporary waiver
of the requirement. of the requirement.
To ask for a 30-day temporary waiver of the To ask for a 30-day temporary waiver of the
requirement, attach a separate sheet explaining requirement, attach a separate sheet explaining
what efforts you made to obtain the briefing, why what efforts you made to obtain the briefing, why
you were unable to obtain it before you filed for you were unable to obtain it before you filed for
bankruptcy, and what exigent circumstances bankruptcy, and what exigent circumstances
required you to file this case. required you to file this case.
Your case may be dismissed if the court is Your case may be dismissed if the court is
dissatisfied with your reasons for not receiving a dissatisfied with your reasons for not receiving a
briefing before you filed for bankruptcy. briefing before you filed for bankruptcy.
If the court is satisfied with your reasons, you must If the court is satisfied with your reasons, you must
still receive a briefing within 30 days after you file. still receive a briefing within 30 days after you file.
You must file a certificate from the approved You must file a certificate from the approved
agency, along with a copy of the payment plan you agency, along with a copy of the payment plan you
developed, if any. If you do not do so, your case developed, if any. If you do not do so, your case
may be dismissed. may be dismissed.
Any extension of the 30-day deadline is granted Any extension of the 30-day deadline is granted
only for cause and is limited to a maximum of 15 only for cause and is limited to a maximum of 15
days. days.

I am not required to receive a briefing about I am not required to receive a briefing about
credit counseling because of: credit counseling because of:

Incapacity. I have a mental illness or a mental Incapacity. I have a mental illness or a mental
deficiency that makes me deficiency that makes me
incapable of realizing or making incapable of realizing or making
rational decisions about finances. rational decisions about finances.
Disability. My physical disability causes me Disability. My physical disability causes me
to be unable to participate in a to be unable to participate in a
briefing in person, by phone, or briefing in person, by phone, or
through the internet, even after I through the internet, even after I
reasonably tried to do so. reasonably tried to do so.
Active duty. I am currently on active military Active duty. I am currently on active military
duty in a military combat zone. duty in a military combat zone.
If you believe you are not required to receive a If you believe you are not required to receive a
briefing about credit counseling, you must file a briefing about credit counseling, you must file a
motion for waiver of credit counseling with the court. motion for waiver of credit counseling with the court.

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 5
Filed 02/01/18 Case 18-20585 Doc 1

Certificate Number: 15317-CAE-CC-030504616

15317-CAE-CC-030504616

CERTIFICATE OF COUNSELING

I CERTIFY that on January 30, 2018, at 9:03 o’clock PM PST, Ryan D Roybal
received from Access Counseling, Inc., an agency approved pursuant to 11 U.S.C.
§ 111 to provide credit counseling in the Eastern District of California, an
individual [or group] briefing that complied with the provisions of 11 U.S.C. §§
109(h) and 111.
A debt repayment plan was not prepared. If a debt repayment plan was prepared, a
copy of the debt repayment plan is attached to this certificate.
This counseling session was conducted by internet.

Date: January 30, 2018 By: /s/Janice Morla

Name: Janice Morla

Title: Counselor

* Individuals who wish to file a bankruptcy case under title 11 of the United States Bankruptcy
Code are required to file with the United States Bankruptcy Court a completed certificate of
counseling from the nonprofit budget and credit counseling agency that provided the individual
the counseling services and a copy of the debt repayment plan, if any, developed through the
credit counseling agency. See 11 U.S.C. §§ 109(h) and 521(b).
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 6: Answer These Questions for Reporting Purposes

16a. Are your debts primarily consumer debts?Consumer debts are defined in 11 U.S.C. § 101(8)
16. What kind of debts do as “incurred by an individual primarily for a personal, family, or household purpose.”
you have?
No. Go to line 16b.
✔
Yes. Go to line 17.

16b. Are your debts primarily business debts? Business debts are debts that you incurred to obtain
money for a business or investment or through the operation of the business or investment.
No. Go to line 16c.
Yes. Go to line 17.

16c. State the type of debts you owe that are not consumer debts or business debts.
_______________________________________________________________

17. Are you filing under
Chapter 7? No. I am not filing under Chapter 7. Go to line 18.

Do you estimate that after ✔ Yes. I am filing under Chapter 7. Do you estimate that after any exempt property is excluded and
any exempt property is administrative expenses are paid that funds will be available to distribute to unsecured creditors?
excluded and ✔ No
administrative expenses
are paid that funds will be Yes
available for distribution
to unsecured creditors?

18. How many creditors do ✔ 1-49
1,000-5,000 25,001-50,000
you estimate that you 50-99 5,001-10,000 50,001-100,000
owe? 100-199 10,001-25,000 More than 100,000
200-999
19. How much do you ✔ $0-$50,000
$1,000,001-$10 million $500,000,001-$1 billion
estimate your assets to $50,001-$100,000 $10,000,001-$50 million $1,000,000,001-$10 billion
be worth? $100,001-$500,000 $50,000,001-$100 million $10,000,000,001-$50 billion
$500,001-$1 million $100,000,001-$500 million More than $50 billion
20. How much do you ✔ $0-$50,000
$1,000,001-$10 million $500,000,001-$1 billion
estimate your liabilities $50,001-$100,000 $10,000,001-$50 million $1,000,000,001-$10 billion
to be? $100,001-$500,000 $50,000,001-$100 million $10,000,000,001-$50 billion
$500,001-$1 million $100,000,001-$500 million More than $50 billion
Part 7: Sign Below

I have examined this petition, and I declare under penalty of perjury that the information provided is true and
For you correct.
If I have chosen to file under Chapter 7, I am aware that I may proceed, if eligible, under Chapter 7, 11,12, or 13
of title 11, United States Code. I understand the relief available under each chapter, and I choose to proceed
under Chapter 7.
If no attorney represents me and I did not pay or agree to pay someone who is not an attorney to help me fill out
this document, I have obtained and read the notice required by 11 U.S.C. § 342(b).
I request relief in accordance with the chapter of title 11, United States Code, specified in this petition.
I understand making a false statement, concealing property, or obtaining money or property by fraud in connection
with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both.
18 U.S.C. §§ 152, 1341, 1519, and 3571.

8 /s/ Ryan Roybal
______________________________________________ 8_____________________________
Signature of Debtor 1 – Ryan Roybal Signature of Debtor 2

02/01/2018
Executed on _________________ Executed on __________________
MM / DD / YYYY MM / DD / YYYY

2IILFLDO)RUP Voluntary Petition for Individuals Filing for Bankruptcy page 6
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

I, the attorney for the debtor(s) named in this petition, declare that I have informed the debtor(s) about eligibility
For your attorney, if you are to proceed under Chapter 7, 11, 12, or 13 of title 11, United States Code, and have explained the relief
represented by one available under each chapter for which the person is eligible. I also certify that I have delivered to the debtor(s)
the notice required by 11 U.S.C. § 342(b) and, in a case in which § 707(b)(4)(D) applies, certify that I have no
If you are not represented knowledge after an inquiry that the information in the schedules filed with the petition is incorrect.
by an attorney, you do not
need to file this page.
8_________________________________
/s/ Mark Shmorgon Date _________________
02/01/2018
Signature of Attorney for Debtor – Mark Shmorgon MM / DD / YYYY

Mark Shmorgon
_________________________________________________________________________________________________
Printed name

Law Offices of Mark Shmorgon
_________________________________________________________________________________________________
Firm name

5015 Madison Ave., Suite A
_________________________________________________________________________________________________
Number Street

_________________________________________________________________________________________________

Sacramento
______________________________________________________ CA
____________ 95841
______________________________
City State ZIP Code

(916) 640-7599
Contact phone _____________________________________ Email address shmorgonlaw@gmail.com
______________________________

255939
______________________________________________________ CA
____________
Bar number State

2IILFLDO)RUP Voluntary Petition for Individuals Filing for Bankruptcy page 7
Filed 02/01/18 Case 18-20585 Doc 1
Fill in this information to identify your case: Check one box only as directed in this form and in
Form 122A-1Supp:
Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name
✔
1. There is no presumption of abuse.
Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name 2. The calculation to determine if a presumption of
abuse applies will be made under Chapter 7
United States Bankruptcy Court for the: Eastern District
__________ of California
District of __________ Means Test Calculation (Official Form 122A–2).
Case number ___________________________________________ 3. The Means Test does not apply now because of
(If known) qualified military service but it could apply later.

Check if this is an amended filing

2IILFLDO)RUP 122AɅ1
Chapter 7 Statement of Your Current Monthly Income 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for being accurate. If more
space is needed, attach a separate sheet to this form. Include the line number to which the additional information applies. On the top of any
additional pages, write your name and case number (if known). If you believe that you are exempted from a presumption of abuse because you
do not have primarily consumer debts or because of qualifying military service, complete and file Statement of Exemption from Presumption of
Abuse Under § 707(b)(2) (Official Form 122A-1Supp) with this form.

Part 1: Calculate Your Current Monthly Income

1. What is your marital and filing status? Check one only.
Not married. Fill out Column A, lines 2-11.
Married and your spouse is filing with you. Fill out both Columns A and B, lines 2-11.
✔
Married and your spouse is NOT filing with you. You and your spouse are:
✔ Living in the same household and are not legally separated. Fill out both Columns A and B, lines 2-11.

Living separately or are legally separated. Fill out Column A, lines 2-11; do not fill out Column B. By checking this box, you declare
under penalty of perjury that you and your spouse are legally separated under nonbankruptcy law that applies or that you and your
spouse are living apart for reasons that do not include evading the Means Test requirements. 11 U.S.C. § 707(b)(7)(B).
Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this
bankruptcy case. 11 U.S.C. § 101(10A). For example, if you are filing on September 15, the 6-month period would be March 1 through
August 31. If the amount of your monthly income varied during the 6 months, add the income for all 6 months and divide the total by 6.
Fill in the result. Do not include any income amount more than once. For example, if both spouses own the same rental property, put the
income from that property in one column only. If you have nothing to report for any line, write $0 in the space.
Column A Column B
Debtor 1 Debtor 2 or
non-filing spouse

2. Your gross wages, salary, tips, bonuses, overtime, and commissions
(before all payroll deductions). 2,298.48
$_________ 0.00
$__________

3. Alimony and maintenance payments. Do not include payments from a spouse if
0.00
$_________ 0.00
$__________
Column B is filled in.
4. All amounts from any source which are regularly paid for household expenses
of you or your dependents, including child support. Include regular contributions
from an unmarried partner, members of your household, your dependents, parents,
and roommates. Include regular contributions from a spouse only if Column B is not
filled in. Do not include payments you listed on line 3. 0.00
$_________ 0.00
$__________

5. Net income from operating a business, profession,
Debtor 1 Debtor 2
or farm
Gross receipts (before all deductions) $______
2,050.00 $______
1,240.67
Ordinary and necessary operating expenses – 73.33 – $______
$______ 174.33
Copy
Net monthly income from a business, profession, or farm 1,976.67
$______ 1,066.33 hereÎ
$______ 1,976.67
$_________ 1,066.33
$__________

6. Net income from rental and other real property Debtor 1 Debtor 2
Gross receipts (before all deductions) $______ $______
Ordinary and necessary operating expenses – $______ – $______
Copy
Net monthly income from rental or other real property $______ $______ hereÎ 0.00
$_________ 0.00
$__________
7. Interest, dividends, and royalties 0.00
$_________ 0.00
$__________

Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 1
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Column A Column B
Debtor 1 Debtor 2 or
non-filing spouse

8. Unemployment compensation 0.00
$__________ 0.00
$___________
Do not enter the amount if you contend that the amount received was a benefit
under the Social Security Act. Instead, list it here: …………………………. Ð
For you ………………………………………………………………………. $______________
For your spouse…………………………………………………………. $______________

9. Pension or retirement income. Do not include any amount received that was a
benefit under the Social Security Act. 0.00
$__________ 0.00
$___________
10. Income from all other sources not listed above. Specify the source and amount.
Do not include any benefits received under the Social Security Act or payments received
as a victim of a war crime, a crime against humanity, or international or domestic
terrorism. If necessary, list other sources on a separate page and put the total below.

______________________________________ 0.00
$_________ 0.00
$___________
______________________________________ 0.00
$_________ 0.00
$___________
Total amounts from separate pages, if any. + $_________
0.00 + $___________
0.00

11. Calculate your total current monthly income. Add lines 2 through 10 for each
column. Then add the total for Column A to the total for Column B. 4,275.15
$_________
+ 1,066.33
$___________
= 5,341.48
$__________
Total current
monthly income

Part 2: Determine Whether the Means Test Applies to You

12. Calculate your current monthly income for the year. Follow these steps:
12a. Copy your total current monthly income from line 11. ………………………………………………………………………. Copy line 11 hereÎ 5,341.48
$__________

Multiply by 12 (the number of months in a year). x 12
12b. The result is your annual income for this part of the form. 12b. 64,097.76
$__________

13. Calculate the median family income that applies to you. Follow these steps:

Fill in the state in which you live. California

Fill in the number of people in your household. 4

Fill in the median family income for your state and size of household. ………………………………………………………………………………… 13. 89,444.00
$__________
To find a list of applicable median income amounts, go online using the link specified in the separate
instructions for this form. This list may also be available at the bankruptcy clerk’s office.
14. How do the lines compare?

■ Line 12b is less than or equal to line 13. On the top of page 1, check box 1, There is no presumption of abuse.
14a.
Go to Part 3.

14b. Line 12b is more than line 13. On the top of page 1, check box 2, The presumption of abuse is determined by Form 122A-2.
Go to Part 3 and fill out Form 122A–2.

Part 3: Sign Below

By signing here, I declare under penalty of perjury that the information on this statement and in any attachments is true and correct.

8 /s/ Ryan Roybal
__________________________________________________________ 8 ______________________________________
Signature of Debtor 1 – Ryan Roybal Signature of Debtor 2

02/01/2018
Date _________________ Date _________________
MM / DD / YYYY MM / DD / YYYY

If you checked line 14a, do NOT fill out or file Form 122A–2.
If you checked line 14b, fill out Form 122A–2 and file it with this form.
¯

2IILFLDO)RUP$ Chapter 7 Statement of Your Current Monthly Income page 2
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

__________
United States Bankruptcy Court for the: Eastern District of __________
of California
District

Case number ___________________________________________ Check if this is an
(If known) amended filing

2IILFLDO)RUP 106Sum
Summary of Your Assets and Liabilities and Certain Statistical Information 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. Fill out all of your schedules first; then complete the information on this form. If you are filing amended schedules after you file
your original forms, you must fill out a new Summary and check the box at the top of this page.

Part 1: Summarize Your Assets

Your assets
Value of what you own
1. Schedule A/B: Property (Official Form 106A/B)
1a. Copy line 55, Total real estate, from Schedule A/B …………………………………………………………………………………………….
0.00
$ ________________

1b. Copy line 62, Total personal property, from Schedule A/B ………………………………………………………………………………….. 19,231.18
$ ________________

1c. Copy line 63, Total of all property on Schedule A/B ……………………………………………………………………………………………
19,231.18
$ ________________

Part 2: Summarize Your Liabilities

Your liabilities
Amount you owe
2. Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D)
2a. Copy the total you listed in Column A, Amount of claim, at the bottom of the last page of Part 1 of Schedule D …………
1,465.72
$ ________________

3. Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F)
5,050.00
$ ________________
3a. Copy the total claims from Part 1 (priority unsecured claims) from line 6e of Schedule E/F ……………………………………..

3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F …………………………………
+ 36,978.90
$ ________________

Your total liabilities 43,494.62
$ ________________

Part 3: Summarize Your Income and Expenses

4. Schedule I: Your Income (Official Form 106I)
Copy your combined monthly income from line 12 of Schedule I ……………………………………………………………………………… 4,366.22
$ ________________

5. Schedule J: Your Expenses (Official Form 106J)
Copy your monthly expenses from line 22c of Schedule J ………………………………………………………………………………………. 4,354.50
$ ________________

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 1 of 2
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 4: Answer These Questions for Administrative and Statistical Records

6. Are you filing for bankruptcy under Chapters 7, 11, or 13?

No. You have nothing to report on this part of the form. Check this box and submit this form to the court with your other schedules.
✔ Yes

7. What kind of debt do you have?

✔ Your debts are primarily consumer debts. Consumer debts are those “incurred by an individual primarily for a personal,

family, or household purpose.” 11 U.S.C. § 101(8). Fill out lines 8-9g for statistical purposes. 28 U.S.C. § 159.

Your debts are not primarily consumer debts. You have nothing to report on this part of the form. Check this box and submit
this form to the court with your other schedules.

8. From the Statement of Your Current Monthly Income: Copy your total current monthly income from Official
Form 122A-1 Line 11; OR, Form 122B Line 11; OR, Form 122C-1 Line 14. 5,341.48
$ _________________

9. Copy the following special categories of claims from Part 4, line 6 of Schedule E/F:

Total claim

From Part 4 on Schedule E/F, copy the following:

9a. Domestic support obligations (Copy line 6a.) 5,050.00
$_____________________

9b. Taxes and certain other debts you owe the government. (Copy line 6b.) 0.00
$_____________________

9c. Claims for death or personal injury while you were intoxicated. (Copy line 6c.) 0.00
$_____________________

9d. Student loans. (Copy line 6f.) 0.00
$_____________________

9e. Obligations arising out of a separation agreement or divorce that you did not report as 0.00
$_____________________
priority claims. (Copy line 6g.)

9f. Debts to pension or profit-sharing plans, and other similar debts. (Copy line 6h.) + 0.00
$_____________________

9g. Total. Add lines 9a through 9f. 5,050.00
$_____________________

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case and this filing:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: Eastern District
__________ of California
District of ___________

Case number ___________________________________________
Check if this is an
amended filing

2IILFLDO)RUP 106A/B
Schedule A/B: Property 12/15

In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the
category where you think it fits best. Be as complete and accurate as possible. If two married people are filing together, both are equally
responsible for supplying correct information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages,
write your name and case number (if known). Answer every question.

Part 1: Describe Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In

1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?
✔
No. Go to Part 2.
Yes. Where is the property?
What is the property? Check all that apply. Do not deduct secured claims or exemptions. Put
Single-family home the amount of any secured claims on Schedule D:
Creditors Who Have Claims Secured by Property.
1.1. _________________________________________
Street address, if available, or other description
Duplex or multi-unit building
Condominium or cooperative Current value of the Current value of the
Manufactured or mobile home entire property? portion you own?
_________________________________________
Land $________________ $_______________
Investment property
_________________________________________
City State ZIP Code
Timeshare Describe the nature of your ownership
interest (such as fee simple, tenancy by
Other __________________________________
the entireties, or a life estate), if known.
Who has an interest in the property? Check one.
__________________________________________

Debtor 1 only
_________________________________________
County
Debtor 2 only

Debtor 1 and Debtor 2 only Check if this is community property
(see instructions)

At least one of the debtors and another
Other information you wish to add about this item, such as local
property identification number: _______________________________
If you own or have more than one, list here:
What is the property? Check all that apply. Do not deduct secured claims or exemptions. Put
Single-family home the amount of any secured claims on Schedule D:
Creditors Who Have Claims Secured by Property.
1.2. ________________________________________
Street address, if available, or other description
Duplex or multi-unit building
Condominium or cooperative Current value of the Current value of the
Manufactured or mobile home entire property? portion you own?
________________________________________
Land $________________ $_________________
Investment property
________________________________________
Timeshare
Describe the nature of your ownership
City State ZIP Code interest (such as fee simple, tenancy by
Other __________________________________ the entireties, or a life estate), if known.
Who has an interest in the property? Check one. __________________________________________

Debtor 1 only
________________________________________
County
Debtor 2 only

Debtor 1 and Debtor 2 only Check if this is community property

At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local
property identification number: _______________________________

Official Form 106A/B Schedule A/B: Property page 1
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

What is the property? Check all that apply. Do not deduct secured claims or exemptions. Put

1.3. ________________________________________
Single-family home the amount of any secured claims on Schedule D:
Creditors Who Have Claims Secured by Property.
Street address, if available, or other description Duplex or multi-unit building
Condominium or cooperative Current value of the Current value of the
entire property? portion you own?
________________________________________ Manufactured or mobile home
Land $________________ $_________________

________________________________________
Investment property
City State ZIP Code Timeshare Describe the nature of your ownership
interest (such as fee simple, tenancy by
Other __________________________________ the entireties, or a life estate), if known.
__________________________________________
Who has an interest in the property? Check one.
________________________________________
Debtor 1 only
County

Debtor 2 only

Debtor 1 and Debtor 2 only Check if this is community property
(see instructions)

At least one of the debtors and another

Other information you wish to add about this item, such as local
property identification number: _______________________________

2. Add the dollar value of the portion you own for all of your entries from Part 1, including any entries for pages 0.00
$_________________
you have attached for Part 1. Write that number here. …………………………………………………………………………..Î

Part 2: Describe Your Vehicles

Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles
you own that someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases.

3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles

No
✔ Yes

3.1. Make: Chevrolet
______________ Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put

Model: Silverado
______________
✔ Debtor 1 only
the amount of any secured claims on Schedule D:
Creditors Who Have Claims Secured by Property.
2002 Debtor 2 only
Year: ____________ Current value of the Current value of the
Debtor 1 and Debtor 2 only
215,000
Approximate mileage: ____________ entire property? portion you own?
At least one of the debtors and another
Other information:
4,500.00
$________________ 4,500.00
$________________
2002 Chevrolet Silverado 1500 HD Crew Cab Short
Check if this is community property (see
Bed / Clean Title / 215,000 Miles / Fair Condition instructions)

If you own or have more than one, describe here:

3.2. Make: KTM
______________ Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put

Model: 350 XC-F
______________
✔ Debtor 1 only
the amount of any secured claims on Schedule D:
Creditors Who Have Claims Secured by Property.
2012 Debtor 2 only
Year: ____________ Current value of the Current value of the
Debtor 1 and Debtor 2 only
25,000
Approximate mileage: ____________
entire property? portion you own?
At least one of the debtors and another
Other information:
5,000.00
$________________ 5,000.00
$________________
2012 KTM 350 XC-F Motorcycle Clean
Check if this is community property (see
instructions)
Title / 25,000 Miles / Fair Condition

2IILFLDO)RUP$% Schedule A/B: Property page 2
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Make: ______________ Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put
3.3.
the amount of any secured claims on Schedule D:
Model: ______________

Debtor 1 only Creditors Who Have Claims Secured by Property.

Debtor 2 only
Year: ____________ Current value of the Current value of the

Debtor 1 and Debtor 2 only
Approximate mileage: ____________ entire property? portion you own?

At least one of the debtors and another
Other information:
Check if this is community property (see $________________ $________________
instructions)

Make: ______________ Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put
3.4.
the amount of any secured claims on Schedule D:
Model: ______________

Debtor 1 only Creditors Who Have Claims Secured by Property.

Debtor 2 only
Year: ____________ Current value of the Current value of the

Debtor 1 and Debtor 2 only
Approximate mileage: ____________ entire property? portion you own?

At least one of the debtors and another
Other information:
Check if this is community property (see $________________ $________________
instructions)

4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories
Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories
✔ No

Yes

Make: ____________________ Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put
4.1.
the amount of any secured claims on Schedule D:
Model: ____________________
Debtor 1 only Creditors Who Have Claims Secured by Property.

Debtor 2 only
Year: ____________

Debtor 1 and Debtor 2 only Current value of the Current value of the
Other information:
At least one of the debtors and another entire property? portion you own?

Check if this is community property (see $________________ $________________
instructions)

If you own or have more than one, list here:

Make: ____________________ Who has an interest in the property? Check one. Do not deduct secured claims or exemptions. Put
4.2.
the amount of any secured claims on Schedule D:
Model: ____________________
Debtor 1 only Creditors Who Have Claims Secured by Property.

Debtor 2 only
Year: ____________ Current value of the Current value of the

Debtor 1 and Debtor 2 only
entire property? portion you own?
Other information:
At least one of the debtors and another

$________________ $________________
Check if this is community property (see
instructions)

5. Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for pages 9,500.00
$_________________
you have attached for Part 2. Write that number here ………………………………………………………………………………………………………… Î

2IILFLDO)RUP$% Schedule A/B: Property page 3
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 3: Describe Your Personal and Household Items

Current value of the
Do you own or have any legal or equitable interest in any of the following items? portion you own?
Do not deduct secured claims
or exemptions.

6. Household goods and furnishings
Examples: Major appliances, furniture, linens, china, kitchenware
No
✔
Yes. Describe. …….. Household Goods 2,000.00
$___________________

7. Electronics
Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music
collections; electronic devices including cell phones, cameras, media players, games
No
✔
Yes. Describe. ……… Electronics 1,000.00
$___________________

8. Collectibles of value
Examples: Antiques and figurines; paintings, prints, or other artwork; books, pictures, or other art objects;
stamp, coin, or baseball card collections; other collections, memorabilia, collectibles
No
✔ Yes. Describe. ……… Books and Pictures
500.00
$___________________

9. Equipment for sports and hobbies
Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes
and kayaks; carpentry tools; musical instruments
No
✔
Yes. Describe. ……… Sports and Hobby Equipment 300.00
$___________________

10. Firearms
Examples: Pistols, rifles, shotguns, ammunition, and related equipment
No
✔
Yes. Describe. ………. Taurus .357 Magnum 150.00
$___________________

11. Clothes
Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories
No
✔
Yes. Describe. ………. Wearing Apparel 900.00
$___________________

12. Jewelry
Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems,
gold, silver
No
✔
Yes. Describe. ………. 600.00
$___________________
Furs and Jewelry
13. Non-farm animals
Examples: Dogs, cats, birds, horses
✔
No
Yes. Describe. ………. 50.00
$___________________
1 Cat (Mix and Fix)
14. Any other personal and household items you did not already list, including any health aids you did not list

✔
No
Yes. Give specific 0.00
$___________________
information. …………..

15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached 5,500.00
$______________________
for Part 3. Write that number here …………………………………………………………………………………………………………………………………. Î

2IILFLDO)RUP$% Schedule A/B: Property page 4
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 4: Describe Your Financial Assets

Do you own or have any legal or equitable interest in any of the following? Current value of the
portion you own?
Do not deduct secured claims
or exemptions.

16. Cash
Examples: Money you have in your wallet, in your home, in a safe deposit box, and on hand when you file your petition

No
✔
Yes ……………………………………………………………………………………………………………………………………………. Cash: ………………….. 10.00
$__________________

17. Deposits of money
Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses,
and other similar institutions. If you have multiple accounts with the same institution, list each.
No
✔
Yes ………………… Institution name:

17.1. Checking account: Chase Checking Account….2912
_________________________________________________________ 7.16
$__________________

17.2. Checking account: Chase Checking Account….6563
_________________________________________________________ 9.02
$__________________

17.3. Savings account: _________________________________________________________ $__________________

17.4. Savings account: _________________________________________________________ $__________________

17.5. Certificates of deposit: _________________________________________________________ $__________________

17.6. Other financial account: Bank of America Checking Account….9951
_________________________________________________________ 25.00
$__________________

17.7. Other financial account: Bank of America Checking Account….6235
_________________________________________________________ 0.00
$__________________

17.8. Other financial account: _________________________________________________________ $__________________

17.9. Other financial account: _________________________________________________________ $__________________

18. Bonds, mutual funds, or publicly traded stocks
Examples: Bond funds, investment accounts with brokerage firms, money market accounts
✔
No
Yes …………….. Institution or issuer name:

_________________________________________________________________________________________ $__________________
_________________________________________________________________________________________ $__________________
_________________________________________________________________________________________ $__________________

19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in
an LLC, partnership, and joint venture

No Name of entity: % of ownership:
✔
Yes. Give specific DBA: RAD Construction (Sole Proprietorship)
_____________________________________________________________________ 100%
___________% 0.00
$__________________
information about
them……………………. _____________________________________________________________________ ___________% $__________________
_____________________________________________________________________ ___________% $__________________

2IILFLDO)RUP$% Schedule A/B: Property page 5
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

20. Government and corporate bonds and other negotiable and non-negotiable instruments
Negotiable instruments include personal checks, cashiers’ checks, promissory notes, and money orders.
Non-negotiable instruments are those you cannot transfer to someone by signing or delivering them.

✔ No

Yes. Give specific Issuer name:
information about
them………………….. ______________________________________________________________________________________ $__________________
______________________________________________________________________________________
$__________________
______________________________________________________________________________________
$__________________

21. Retirement or pension accounts
Examples: Interests in IRA, ERISA, Keogh, 401(k), 403(b), thrift savings accounts, or other pension or profit-sharing plans
✔
No
Yes. List each
account separately. Type of account: Institution name:

401(k) or similar plan: ___________________________________________________________________ $__________________

Pension plan: ___________________________________________________________________ $__________________

IRA: ___________________________________________________________________ $__________________

Retirement account: ___________________________________________________________________ $__________________

Keogh: ___________________________________________________________________ $__________________

Additional account: ___________________________________________________________________ $__________________

22. Security deposits and prepayments
Your share of all unused deposits you have made so that you may continue service or use from a company
Examples: Agreements with landlords, prepaid rent, public utilities (electric, gas, water), telecommunications
companies, or others

✔
No
Yes …………………….. Institution name or individual:

Electric: ______________________________________________________________________ $___________________
Gas: ______________________________________________________________________ $___________________
Heating oil: ______________________________________________________________________
$___________________
Security deposit on rental unit: _____________________________________________________________
$___________________
Prepaid rent: ______________________________________________________________________
$___________________
Telephone: ______________________________________________________________________
$___________________
Water: ______________________________________________________________________
$___________________
Rented furniture: ______________________________________________________________________
$___________________
Other: ______________________________________________________________________
$___________________

23. Annuities (A contract for a periodic payment of money to you, either for life or for a number of years)

✔
No
Yes …………………….. Issuer name and description:
_______________________________________________________________________________________ $__________________
_______________________________________________________________________________________ $__________________
_______________________________________________________________________________________ $__________________

2IILFLDO)RUP$% Schedule A/B: Property page 6
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

24. Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program.
26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1).
✔
No
Yes ……………………………… Institution name and description. Separately file the records of any interests.11 U.S.C. § 521(c):

____________________________________________________________________________________ $_________________
____________________________________________________________________________________ $_________________
____________________________________________________________________________________ $_________________

25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers
exercisable for your benefit
✔
No
Yes. Give specific
information about them. … $__________________

26. Patents, copyrights, trademarks, trade secrets, and other intellectual property
Examples: Internet domain names, websites, proceeds from royalties and licensing agreements
✔
No
Yes. Give specific
information about them. … $__________________

27. Licenses, franchises, and other general intangibles
Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses
✔
No
Yes. Give specific
information about them. … $__________________

Money or property owed to you? Current value of the
portion you own?
Do not deduct secured
claims or exemptions.

28. Tax refunds owed to you

No
✔
Yes. Give specific information 0.00
about them, including whether
2017 Anticipated Tax Refund Federal: $_________________
you already filed the returns State: 680.00
$_________________
and the tax years. …………………..
Local: $_________________

29. Family support
Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement
✔
No
Yes. Give specific information. ………….
Alimony: $________________
Maintenance: $________________
Support: $________________
Divorce settlement: $________________
Property settlement: $________________

30. Other amounts someone owes you
Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation,
Social Security benefits; unpaid loans you made to someone else
✔
No
Yes. Give specific information. …………..
$______________________

2IILFLDO)RUP$% Schedule A/B: Property page 7
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

31. Interests in insurance policies
Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance
✔
No
Yes. Name the insurance company Company name: Beneficiary: Surrender or refund value:
of each policy and list its value. …
___________________________________________ ____________________________ $__________________
___________________________________________ ____________________________ $__________________
___________________________________________ ____________________________ $__________________

32. Any interest in property that is due you from someone who has died
If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive
property because someone has died.
✔
No
Yes. Give specific information. ………….
$_____________________

33. Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment
Examples: Accidents, employment disputes, insurance claims, or rights to sue
✔
No
Yes. Describe each claim. ………………..
$______________________

34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights
to set off claims
✔
No
Yes. Describe each claim. ………………..
$_____________________

35. Any financial assets you did not already list

✔
No
Yes. Give specific information…………
$_____________________

36. Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached
for Part 4. Write that number here …………………………………………………………………………………………………………………………………. Î 731.18
$_____________________

Part 5: Describe Any Business-Related Property You Own or Have an Interest In. List any real estate in Part 1.

37. Do you own or have any legal or equitable interest in any business-related property?
No. Go to Part 6.
✔
Yes. Go to line 38.
Current value of the
portion you own?
Do not deduct secured claims
or exemptions.

38. Accounts receivable or commissions you already earned

✔
No
Yes. Describe …….
$_____________________

39. Office equipment, furnishings, and supplies
Examples: Business-related computers, software, modems, printers, copiers, fax machines, rugs, telephones, desks, chairs, electronic devices
✔
No
Yes. Describe ……. $_____________________

2IILFLDO)RUP$% Schedule A/B: Property page 8
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

40. Machinery, fixtures, equipment, supplies you use in business, and tools of your trade

No
✔ Yes. Describe …….
3,500.00
Photography Equipment – $2,500.00; Hand and Power Tools $1,000.00 $_____________________

41. Inventory
✔ No

Yes. Describe ……. $_____________________

42. Interests in partnerships or joint ventures
✔ No

Yes. Describe ……. Name of entity: % of ownership:
______________________________________________________________________ ________% $_____________________
______________________________________________________________________ ________% $_____________________
______________________________________________________________________ ________% $_____________________

43. Customer lists, mailing lists, or other compilations
✔ No

Yes. Do your lists include personally identifiable information (as defined in 11 U.S.C. § 101(41A))?
No
Yes. Describe. …….
$____________________

44. Any business-related property you did not already list
✔ No

Yes. Give specific ______________________________________________________________________________________ $____________________
information ………
______________________________________________________________________________________ $____________________
______________________________________________________________________________________ $____________________
______________________________________________________________________________________ $____________________
______________________________________________________________________________________ $____________________

______________________________________________________________________________________ $____________________

45. Add the dollar value of all of your entries from Part 5, including any entries for pages you have attached 4,000.00
$____________________
for Part 5. Write that number here …………………………………………………………………………………………………………………………………. Î

Part 6: Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In.
If you own or have an interest in farmland, list it in Part 1.

46. Do you own or have any legal or equitable interest in any farm- or commercial fishing-related property?
✔ No. Go to Part 7.

Yes. Go to line 47.
Current value of the
portion you own?
Do not deduct secured claims
or exemptions.
47. Farm animals
Examples: Livestock, poultry, farm-raised fish
No
Yes ……………………..

$___________________

2IILFLDO)RUP$% Schedule A/B: Property page 9
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

48. Crops—either growing or harvested

No
Yes. Give specific
information. ………… $___________________

49. Farm and fishing equipment, implements, machinery, fixtures, and tools of trade
No
Yes ……………………..
$___________________

50. Farm and fishing supplies, chemicals, and feed

No
Yes ……………………..
$___________________

51. Any farm- and commercial fishing-related property you did not already list
No
Yes. Give specific
information. ………… $___________________

52. Add the dollar value of all of your entries from Part 6, including any entries for pages you have attached 0.00
$___________________
for Part 6. Write that number here …………………………………………………………………………………………………………………………………. Î

Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above

53. Do you have other property of any kind you did not already list?
Examples: Season tickets, country club membership

✔
No
$________________
Yes. Give specific
information. ………… $________________
$________________

54. Add the dollar value of all of your entries from Part 7. Write that number here ……………………………………………………….. Î
0.00
$________________

Part 8: List the Totals of Each Part of this Form

55. Part 1: Total real estate, line 2 ………………………………………………………………………………………………………………………………………….. Î
0.00
$________________

56. Part 2: Total vehicles, line 5
9,500.00
$________________

57. Part 3: Total personal and household items, line 15 5,500.00
$________________

58. Part 4: Total financial assets, line 36 731.18
$________________

59. Part 5: Total business-related property, line 45 3,500.00
$________________

60. Part 6: Total farm- and fishing-related property, line 52 0.00
$________________

61. Part 7: Total other property not listed, line 54 0.00
+ $________________
62. Total personal property. Add lines 56 through 61. ……………….. 19,231.18 Copy personal property total Î
$________________ 19,231.18
+ $_________________

63. Total of all property on Schedule A/B. Add line 55 + line 62. …………………………………………………………………………….. 19,231.18
$_________________

2IILFLDO)RUP$% Schedule A/B: Property page 10
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: Eastern District
__________ of California
District of __________

Case number
(If known)
___________________________________________ Check if this is an
amended filing

2IILFLDO)RUP 106C
Schedule C: The Property You Claim as Exempt

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information.
Using the property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more
space is needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write
your name and case number (if known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a
specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount
of any applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt
retirement funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that
limits the exemption to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption
would be limited to the applicable statutory amount.

Part 1: Identify the Property You Claim as Exempt

1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you.
✔ You are claiming state and federal nonbankruptcy exemptions.
11 U.S.C. § 522(b)(3)
You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below.

Brief description of the property and line on Current value of the Amount of the exemption you claim Specific laws that allow exemption
Schedule A/B that lists this property portion you own
Copy the value from Check only one box for each exemption.
Schedule A/B

2002 Chevrolet Silverado
Brief ____________________________
description:
1500 HD Crew Cab Short Bed
_________________________ 4,500.00
$________________ ✔ $ ____________
4,500.00 C.C.P. § 703.140(b)(6)
____________________________
Line from 100% of fair market value, up to ____________________________
3.1
Schedule A/B: ______ any applicable statutory limit ____________________________

2012 KTM 350 XC-F
Brief ____________________________
description:
Motorcycle
_________________________ 5,000.00
$________________ ✔ $ ____________
5,000.00 C.C.P. § 703.140(b)(2)
____________________________
Line from 100% of fair market value, up to ____________________________
3.2
______ any applicable statutory limit ____________________________
Schedule A/B:

Brief ____________________________
description:
Household Goods
_________________________ 2,000.00
$________________ ✔ $ ____________
2,000.00 C.C.P. § 703.140(b)(3)
____________________________
Line from 100% of fair market value, up to ____________________________
6
Schedule A/B: ______ any applicable statutory limit ____________________________

3. Are you claiming a homestead exemption of more than $175?
(Subject to adjustment on 4/01/1 and every 3 years after that for cases filed on or after the date of adjustment.)
✔
No
Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?
No
Yes

Official Form 106C Schedule C: The Property You Claim as Exempt 3
page 1 of __
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 2: Additional Page

Brief
Electronics 1,000.00 ✔ $ ____________
1,000.00 C.C.P. § 703.140(b)(3)
____________________________
description:
_________________________ $________________ ____________________________
Line from 7
______
100% of fair market value, up to ____________________________
Schedule A/B: any applicable statutory limit ____________________________

Brief C.C.P. § 703.140(b)(3)
____________________________
description:
Books and Pictures
_________________________ 500.00
$________________ ✔ $ ____________
500.00 ____________________________
Line from 100% of fair market value, up to ____________________________
Schedule A/B:
8
______ any applicable statutory limit ____________________________

Brief Sports and Hobby Equipment 300.00 ✔ $ ____________
300.00 C.C.P. § 703.140(b)(3)
____________________________
description:
_________________________ $________________ ____________________________
Line from 100% of fair market value, up to ____________________________
9
______ any applicable statutory limit ____________________________
Schedule A/B:

Brief
Taurus .357 Magnum 150.00 ✔ $ ____________
150.00 C.C.P. § 703.140(b)(5)
____________________________
description:
_________________________ $________________ ____________________________
Line from 10
______
100% of fair market value, up to ____________________________
Schedule A/B: any applicable statutory limit ____________________________

Brief 900.00 ✔ $ ____________
900.00 C.C.P. § 703.140(b)(3)
____________________________
description: Wearing Apparel
_________________________ $________________ ____________________________
Line from 100% of fair market value, up to ____________________________
Schedule A/B:
11
______ any applicable statutory limit ____________________________

Brief
Furs and Jewelry 600.00 ✔ $ ____________
600.00 C.C.P. § 703.140(b)(4)
____________________________
description:
_________________________ $________________ ____________________________
Line from 100% of fair market value, up to ____________________________
12
______ any applicable statutory limit ____________________________
Schedule A/B:

Brief
1 Cat 50.00 ✔ $ ____________
50.00 C.C.P. § 703.140(b)(3)
____________________________
description:
_________________________ $________________ ____________________________
Line from 13
______
100% of fair market value, up to ____________________________
Schedule A/B: any applicable statutory limit ____________________________

Brief
Cash on Hand 10.00 ✔ $ ____________
10.00 C.C.P. § 703.140(b)(5)
____________________________
description:
_________________________ $________________ ____________________________
Line from 100% of fair market value, up to ____________________________
16
Schedule A/B: ______ any applicable statutory limit ____________________________

Chase Checking
Brief Account….2912 7.16 ✔ $ ____________
7.16 C.C.P. § 703.140(b)(5)
____________________________
description:
_________________________ $________________ ____________________________
Line from 100% of fair market value, up to ____________________________
17.1
______ any applicable statutory limit ____________________________
Schedule A/B:
Chase Checking
Brief 9.02 ✔ $ ____________
9.02 ____________________________
Account….6563
_________________________ $________________
description: ____________________________
C.C.P. § 703.140(b)(5)
Line from 17.2
______
100% of fair market value, up to ____________________________
Schedule A/B: any applicable statutory limit ____________________________
Bank of America
Brief 25.00 ✔ $ ____________
250.00 ____________________________
description:
Checking Account….9951
_________________________ $________________ ____________________________
C.C.P. § 703.140(b)(5)
Line from 100% of fair market value, up to ____________________________
17.6
Schedule A/B: ______ any applicable statutory limit ____________________________

Bank of America
Brief Checking Account….6235 0.00 ✔ $ ____________
0.00 C.C.P. § 703.140(b)(5)
____________________________
description:
_________________________ $________________ ____________________________
Line from 100% of fair market value, up to ____________________________
17.7
______ any applicable statutory limit ____________________________
Schedule A/B:

2IILFLDO)RUP& Schedule C: The Property You Claim as Exempt 2 of __
page ___ 3
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 2: Additional Page

Brief description of the property and line Current value of the Amount of the exemption you claim Specific laws that allow exemption
on Schedule A/B that lists this property portion you own
Copy the value from Check only one box for each exemption
Schedule A/B
DBA: RAD Construction
Brief
0.00 ✔ $ ____________
0.00 C.C.P. § 703.140(b)(5)
____________________________
description:
(Sole Proprietorship)
_________________________ $________________ ____________________________
Line from 19
______
100% of fair market value, up to ____________________________
any applicable statutory limit ____________________________
Schedule A/B:
2017 Anticipated Tax
Brief C.C.P. § 703.140(b)(5)
____________________________
description:
Refund
_________________________ 0.00
$________________ ✔ $ ____________
0.00 ____________________________
Line from 100% of fair market value, up to ____________________________
Schedule A/B:
28
______ any applicable statutory limit ____________________________

Photography
Brief 2,500.00 ✔ $ ____________
2,500.00 C.C.P. § 703.140(b)(6)
____________________________
description:
Equipment
_________________________ $________________ ____________________________
Line from 100% of fair market value, up to ____________________________
40
______ any applicable statutory limit ____________________________
Schedule A/B:
Hand and Power
Brief 1,000.00 ✔ $ ____________
1,000.00 C.C.P. § 703.140(b)(6)
____________________________
description:
Tools
_________________________ $________________ ____________________________
Line from 40
______
100% of fair market value, up to ____________________________
any applicable statutory limit ____________________________
Schedule A/B:
Brief ____________________________
description:
_________________________ $________________ $ ____________ ____________________________
Line from 100% of fair market value, up to ____________________________
______ any applicable statutory limit ____________________________
Schedule A/B:

Brief ____________________________
description:
_________________________ $________________ $ ____________ ____________________________
Line from 100% of fair market value, up to ____________________________
______ any applicable statutory limit ____________________________
Schedule A/B:

Brief ____________________________
description:
_________________________ $________________ $ ____________ ____________________________
Line from ______
100% of fair market value, up to ____________________________
any applicable statutory limit ____________________________
Schedule A/B:
Brief ____________________________
description:
_________________________ $________________ $ ____________ ____________________________
Line from 100% of fair market value, up to ____________________________
____________________________
Schedule A/B: ______ any applicable statutory limit

2IILFLDO)RUP& Schedule C: The Property You Claim as Exempt 3 of __
page ___ 3
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: Eastern District
__________ of California
District of __________

Case number ___________________________________________
(If known) Check if this is an
amended filing

2IILFLDO)RUP 106D
Schedule D: Creditors Who Have Claims Secured by Property 12/15
Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, copy the Additional Page, fill it out, number the entries, and attach it to this form. On the top of any
additional pages, write your name and case number (if known).

1. Do any creditors have claims secured by your property?
No. Check this box and submit this form to the court with your other schedules. You have nothing else to report on this form.
✔ Yes. Fill in all of the information below.

Part 1: List All Secured Claims
Column A Column B Column C
2. List all secured claims. If a creditor has more than one secured claim, list the creditor separately Amount of claim Value of collateral Unsecured
for each claim. If more than one creditor has a particular claim, list the other creditors in Part 2. Do not deduct the that supports this portion
As much as possible, list the claims in alphabetical order according to the creditor’s name. value of collateral. claim If any

2.1 1,465.72 $________________
5,000.00 $____________
0.00
FreedomRoad Financial
______________________________________
Describe the property that secures the claim: $_________________
Creditor’s Name
P.O. Box 4597
______________________________________
2012 KTM 350 XC-F Motorcycle
Number Street

As of the date you file, the claim is: Check all that apply.
______________________________________
Contingent
Oak Brook IL 60522
______________________________________ Unliquidated
City State ZIP Code Disputed
Who owes the debt? Check one. Nature of lien. Check all that apply.
Debtor 1 only ✔
An agreement you made (such as mortgage or secured
Debtor 2 only car loan)
Debtor 1 and Debtor 2 only Statutory lien (such as tax lien, mechanic’s lien)
✔
At least one of the debtors and another Judgment lien from a lawsuit
Other (including a right to offset) ____________________
Check if this claim relates to a
community debt
08/2013
Date debt was incurred ____________ 0 ___
Last 4 digits of account number ___ 8 ___
7 ___
5
2.2
Describe the property that secures the claim: $_________________ $________________ $____________
______________________________________
Creditor’s Name

______________________________________
Number Street

As of the date you file, the claim is: Check all that apply.
______________________________________
Contingent
______________________________________ Unliquidated
City State ZIP Code
Disputed
Who owes the debt? Check one. Nature of lien. Check all that apply.
Debtor 1 only An agreement you made (such as mortgage or secured
Debtor 2 only car loan)
Debtor 1 and Debtor 2 only Statutory lien (such as tax lien, mechanic’s lien)
At least one of the debtors and another Judgment lien from a lawsuit
Other (including a right to offset) ____________________
Check if this claim relates to a
community debt
Date debt was incurred ____________ Last 4 digits of account number ___ ___ ___ ___
Add the dollar value of your entries in Column A on this page. Write that number here: 1,465.72
$________________

2fficial Form 106D Schedule D: Creditors Who Have Claims Secured by Property 1
page 1 of ___
Filed 02/01/18 Case 18-20585 Doc 1
Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: Eastern District
__________ of California
District of __________

Case number ___________________________________________
Check if this is an
(If known) amended filing

2IILFLDO)RUP106E/F
Schedule E/F: Creditors Who Have Unsecured Claims 12/15

Be as complete and accurate as possible. Use Part 1 for creditors with PRIORITY claims and Part 2 for creditors with NONPRIORITY claims.
List the other party to any executory contracts or unexpired leases that could result in a claim. Also list executory contracts on Schedule
A/B: Property (Official Form 106A/B) and on Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G). Do not include any
creditors with partially secured claims that are listed in Schedule D: Creditors Who Have Claims Secured by Property. If more space is
needed, copy the Part you need, fill it out, number the entries in the boxes on the left. Attach the Continuation Page to this page. On the top of
any additional pages, write your name and case number (if known).

Part 1: List All of Your PRIORITY Unsecured Claims

1. Do any creditors have priority unsecured claims against you?
No. Go to Part 2.
✔ Yes.

2. List all of your priority unsecured claims. If a creditor has more than one priority unsecured claim, list the creditor separately for each claim. For
each claim listed, identify what type of claim it is. If a claim has both priority and nonpriority amounts, list that claim here and show both priority and
nonpriority amounts. As much as possible, list the claims in alphabetical order according to the creditor’s name. If you have more than two priority
unsecured claims, fill out the Continuation Page of Part 1. If more than one creditor holds a particular claim, list the other creditors in Part 3.
(For an explanation of each type of claim, see the instructions for this form in the instruction booklet.)
Total claim Priority Nonpriority
amount amount
2.1
Family Support Division
____________________________________________ 0 ___
Last 4 digits of account number ___ 1 ___
8 ___
5 5,050.00 $___________
$_____________ 0.00
5,050.00 $____________
Priority Creditor’s Name
Madera County
____________________________________________ When was the debt incurred? 11/2016
____________
Number Street
P.O. Box 1079
____________________________________________
As of the date you file, the claim is: Check all that apply.
Madera CA 93639
____________________________________________
City State ZIP Code
Contingent
Unliquidated
Who incurred the debt? Check one.
Disputed
✔
Debtor 1 only
Debtor 2 only Type of PRIORITY unsecured claim:
Debtor 1 and Debtor 2 only ✔
Domestic support obligations
At least one of the debtors and another
Taxes and certain other debts you owe the government
Check if this claim is for a community debt Claims for death or personal injury while you were
Is the claim subject to offset? intoxicated
✔
No Other. Specify _________________________________
Yes
2.2
____________________________________________ Last 4 digits of account number ___ ___ ___ ___ $_____________ $___________ $____________
Priority Creditor’s Name
When was the debt incurred? ____________
____________________________________________
Number Street
____________________________________________ As of the date you file, the claim is: Check all that apply.

____________________________________________
Contingent
City State ZIP Code Unliquidated
Who incurred the debt? Check one. Disputed
Debtor 1 only
Type of PRIORITY unsecured claim:
Debtor 2 only
Domestic support obligations
Debtor 1 and Debtor 2 only
✔
At least one of the debtors and another
Taxes and certain other debts you owe the government
Claims for death or personal injury while you were
Check if this claim is for a community debt intoxicated
Is the claim subject to offset? Other. Specify _________________________________
No
Yes

Official Form 106E/F Schedule E/F: Creditors Who Have Unsecured Claims 4
page 1 of ___
FiledDebtor
02/01/18
1 Ryan Roybal Case 18-20585
_______________________________________________________ Case number (if known)_____________________________________
Doc 1
First Name Middle Name Last Name

Part 2: List All of Your NONPRIORITY Unsecured Claims

3. Do any creditors have nonpriority unsecured claims against you?
No. You have nothing to report in this part. Submit this form to the court with your other schedules.
✔ Yes

4. List all of your nonpriority unsecured claims in the alphabetical order of the creditor who holds each claim. If a creditor has more than one
nonpriority unsecured claim, list the creditor separately for each claim. For each claim listed, identify what type of claim it is. Do not list claims already
included in Part 1. If more than one creditor holds a particular claim, list the other creditors in Part 3.If you have more than three nonpriority unsecured
claims fill out the Continuation Page of Part 2.

Total claim
4.1
Capital One
_____________________________________________________________ 1 ___
Last 4 digits of account number ___ 9 ___
2 ___
4
Nonpriority Creditor’s Name
4,600.00
$__________________
When was the debt incurred? 12/2011
____________
P.O. Box 30281
_____________________________________________________________
Number Street

Salt Lake City UT 84130
_____________________________________________________________
City State ZIP Code As of the date you file, the claim is: Check all that apply.

Contingent
Who incurred the debt? Check one. Unliquidated
✔
Debtor 1 only Disputed
Debtor 2 only
Debtor 1 and Debtor 2 only Type of NONPRIORITY unsecured claim:
At least one of the debtors and another Student loans

Check if this claim is for a community debt Obligations arising out of a separation agreement or divorce
that you did not report as priority claims
Is the claim subject to offset? Debts to pension or profit-sharing plans, and other similar debts
✔
No ✔
Credit Card
Other. Specify ______________________________________
Yes

4.2 Kay Jewelers 7 ___
Last 4 digits of account number ___ 5 ___
1 ___
5 2,522.00
$__________________
_____________________________________________________________
Nonpriority Creditor’s Name When was the debt incurred? 01/2016
____________
375 Ghent Road
_____________________________________________________________
Number Street
Akron OH 44333 As of the date you file, the claim is: Check all that apply.
_____________________________________________________________
City State ZIP Code
Contingent
Who incurred the debt? Check one. Unliquidated
✔
Debtor 1 only
Disputed

Debtor 2 only
Type of NONPRIORITY unsecured claim:
Debtor 1 and Debtor 2 only
At least one of the debtors and another Student loans
Obligations arising out of a separation agreement or divorce
Check if this claim is for a community debt that you did not report as priority claims
Is the claim subject to offset? Debts to pension or profit-sharing plans, and other similar debts
✔
No
✔
Charge Card
Other. Specify ______________________________________

Yes

4.3
Lending Club Corporation
_____________________________________________________________ 2 ___1 ___
Last 4 digits of account number ___ 3 ___
3
Nonpriority Creditor’s Name
13,165.00
$_________________
When was the debt incurred? 07/2014
____________
71 Stevenson Street, Suite #1000
_____________________________________________________________
Number Street
San Francisco CA 94105
_____________________________________________________________ As of the date you file, the claim is: Check all that apply.
City State ZIP Code
Contingent
Who incurred the debt? Check one.
Unliquidated
✔ Debtor 1 only
Disputed
Debtor 2 only
Debtor 1 and Debtor 2 only Type of NONPRIORITY unsecured claim:
At least one of the debtors and another
Student loans
Check if this claim is for a community debt Obligations arising out of a separation agreement or divorce
that you did not report as priority claims
Is the claim subject to offset?
Debts to pension or profit-sharing plans, and other similar debts
✔ No
✔
Personal Loan
Other. Specify ______________________________________
Yes

2IILFLDO)RUP() Schedule E/F: Creditors Who Have Unsecured Claims 2 of ___
page __ 4
FiledDebtor
02/01/18
1 Ryan Roybal Case 18-20585
_______________________________________________________ Case number (if known)_____________________________________
Doc 1
First Name Middle Name Last Name

Part 2: Your NONPRIORITY Unsecured Claims Ʌ Continuation Page

After listing any entries on this page, number them beginning with 4.4, followed by 4.5, and so forth. Total claim

4.4
1 ___
Last 4 digits of account number ___ 6 ___
9 ___
7 923.00
Synchrony Bank / Walmart
_____________________________________________________________ $____________
Nonpriority Creditor’s Name
When was the debt incurred? 12/2011
____________
P.O. Box 965024
_____________________________________________________________
Number Street
As of the date you file, the claim is: Check all that apply.
Orlando FL 32896
_____________________________________________________________
City State ZIP Code Contingent
Unliquidated
Who incurred the debt? Check one. Disputed
✔ Debtor 1 only

Debtor 2 only Type of NONPRIORITY unsecured claim:
Debtor 1 and Debtor 2 only Student loans
At least one of the debtors and another Obligations arising out of a separation agreement or divorce that
you did not report as priority claims
Check if this claim is for a community debt
Debts to pension or profit-sharing plans, and other similar debts
Is the claim subject to offset? ✔
Charge Card
Other. Specify________________________________
✔ No

Yes

4.5
Cavalry Portfolio Services 2 ___
Last 4 digits of account number ___ 0 ___
2 ___
7 1,318.00
$____________
_____________________________________________________________
Nonpriority Creditor’s Name
When was the debt incurred? 01/2017
____________
500 Summit Lake Drive, Suite #4A
_____________________________________________________________
Number Street
As of the date you file, the claim is: Check all that apply.
Valhalla NY 10595
_____________________________________________________________
City State ZIP Code Contingent
Unliquidated
Who incurred the debt? Check one. Disputed
✔ Debtor 1 only

Debtor 2 only Type of NONPRIORITY unsecured claim:
Debtor 1 and Debtor 2 only Student loans
At least one of the debtors and another Obligations arising out of a separation agreement or divorce that
you did not report as priority claims
Check if this claim is for a community debt
Debts to pension or profit-sharing plans, and other similar debts
Is the claim subject to offset? ✔
Collection Agency
Other. Specify________________________________
✔ No

Yes

4.6 Law Office of Rory W. Clark 14,450.90
$____________
c/o Velocity Investments, LLC 3 ___
Last 4 digits of account number ___ 6 ___
2 ___
4
_____________________________________________________________
Nonpriority Creditor’s Name
When was the debt incurred? 12/2017
____________
14900 Magnolia Blvd., Suite #55997
_____________________________________________________________
Number Street
As of the date you file, the claim is: Check all that apply.
Sherman Oaks CA 91403
_____________________________________________________________
City State ZIP Code Contingent
Unliquidated
Who incurred the debt? Check one. Disputed
✔ Debtor 1 only

Debtor 2 only Type of NONPRIORITY unsecured claim:
Debtor 1 and Debtor 2 only Student loans
At least one of the debtors and another Obligations arising out of a separation agreement or divorce that
you did not report as priority claims
Check if this claim is for a community debt
Debts to pension or profit-sharing plans, and other similar debts
Is the claim subject to offset? ✔
Civil Lawsuit
Other. Specify________________________________
✔ No

Yes

2IILFLDO)RUP() Schedule E/F: Creditors Who Have Unsecured Claims 3 of ___
page __ 4
FiledDebtor
02/01/18
1 Ryan Roybal Case 18-20585
_______________________________________________________
Doc 1
Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 4: Add the Amounts for Each Type of Unsecured Claim

6. Total the amounts of certain types of unsecured claims. This information is for statistical reporting purposes only. 28 U.S.C. § 159.
Add the amounts for each type of unsecured claim.

Total claim

Total claims
6a. Domestic support obligations 6a. 5,050.00
$_________________________
from Part 1
6b. Taxes and certain other debts you owe the
government 6b. 0.00
$_________________________

6c. Claims for death or personal injury while you were
intoxicated 6c. 0.00
$_________________________

6d. Other. Add all other priority unsecured claims.
Write that amount here. 6d.
+ $_________________________
0.00

6e. Total. Add lines 6a through 6d. 6e.
5,050.00
$_________________________

Total claim

6f. Student loans 6f. 0.00
Total claims $_________________________
from Part 2
6g. Obligations arising out of a separation agreement
or divorce that you did not report as priority
claims 6g. 0.00
$_________________________

6h. Debts to pension or profit-sharing plans, and other
similar debts 6h. 0.00
$_________________________

6i. Other. Add all other nonpriority unsecured claims.
Write that amount here. 6i. 36,978.90
+ $_________________________

6j. Total. Add lines 6f through 6i. 6j.
36,978.90
$_________________________

2IILFLDO)RUP() Schedule E/F: Creditors Who Have Unsecured Claims 4 of ___
page __ 4
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse If filing) First Name Middle Name Last Name

Eastern District
United States Bankruptcy Court for the: __________ ofofCalifornia
District ________

Case number ___________________________________________
(If known) Check if this is an
amended filing

2IILFLDO)RUP 106G
Schedule G: Executory Contracts and Unexpired Leases 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, copy the additional page, fill it out, number the entries, and attach it to this page. On the top of any
additional pages, write your name and case number (if known).

1. Do you have any executory contracts or unexpired leases?
No. Check this box and file this form with the court with your other schedules. You have nothing else to report on this form.
✔
Yes. Fill in all of the information below even if the contracts or leases are listed on Schedule A/B: Property (Official Form 106A/B).

2. List separately each person or company with whom you have the contract or lease. Then state what each contract or lease is for (for
example, rent, vehicle lease, cell phone). See the instructions for this form in the instruction booklet for more examples of executory contracts and
unexpired leases.

Person or company with whom you have the contract or lease State what the contract or lease is for

2.1
Jayne Brott
_____________________________________________________________________ Month to Month Residential Lease
Name 800 Oak Lane
800 Oak Lane
_____________________________________________________________________ Rio Linda, CA 95673
Number Street
Rio Linda CA 95763
_____________________________________________________________________
City State ZIP Code

2.2
_____________________________________________________________________
Name
_____________________________________________________________________
Number Street
_____________________________________________________________________
City State ZIP Code

2.3
_____________________________________________________________________
Name
_____________________________________________________________________
Number Street
_____________________________________________________________________
City State ZIP Code

2.4
_____________________________________________________________________
Name
_____________________________________________________________________
Number Street
_____________________________________________________________________
City State ZIP Code

2.5
_____________________________________________________________________
Name
_____________________________________________________________________
Number Street
_____________________________________________________________________
City State ZIP Code

Official Form 106G Schedule G: Executory Contracts and Unexpired Leases 1
page 1 of ___
Filed 02/01/18 Case 18-20585 Doc 1
Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

Eastern District
United States Bankruptcy Court for the: __________ ________
ofofCalifornia
District

Case number ____________________________________________
(If known)
Check if this is an
amended filing

2IILFLDO)RUP 106H
Schedule H: Your Codebtors 12/15
Codebtors are people or entities who are also liable for any debts you may have. Be as complete and accurate as possible. If two married people
are filing together, both are equally responsible for supplying correct information. If more space is needed, copy the Additional Page, fill it out,
and number the entries in the boxes on the left. Attach the Additional Page to this page. On the top of any Additional Pages, write your name and
case number (if known). Answer every question.

1. Do you have any codebtors? (If you are filing a joint case, do not list either spouse as a codebtor.)
✔
No
Yes
2. Within the last 8 years, have you lived in a community property state or territory? (Community property states and territories include
Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin.)
No. Go to line 3.
✔
Yes. Did your spouse, former spouse, or legal equivalent live with you at the time?
No
✔
California
Yes. In which community state or territory did you live? __________________. Fill in the name and current address of that person.

Kara Roybal
______________________________________________________________________
Name of your spouse, former spouse, or legal equivalent

800 Oak Lane
______________________________________________________________________
Number Street

Rio Linda CA 95673
______________________________________________________________________
City State ZIP Code

3. In Column 1, list all of your codebtors. Do not include your spouse as a codebtor if your spouse is filing with you. List the person
shown in line 2 again as a codebtor only if that person is a guarantor or cosigner. Make sure you have listed the creditor on
Schedule D (Official Form 106D), Schedule E/F (Official Form 106E/F), or Schedule G (Official Form 106G). Use Schedule D,
Schedule E/F, or Schedule G to fill out Column 2.

Column 1: Your codebtor Column 2: The creditor to whom you owe the debt

Check all schedules that apply:
3.1
________________________________________________________________________________
Name
Schedule D, line ______
________________________________________________________________________________
Schedule E/F, line ______
Number Street Schedule G, line ______
________________________________________________________________________________
City State ZIP Code

3.2
________________________________________________________________________________
Name
Schedule D, line ______
________________________________________________________________________________
Schedule E/F, line ______
Number Street Schedule G, line ______
________________________________________________________________________________
City State ZIP Code

3.3
________________________________________________________________________________
Name
Schedule D, line ______
________________________________________________________________________________
Schedule E/F, line ______
Number Street Schedule G, line ______
________________________________________________________________________________
City State ZIP Code

Official Form 106H Schedule H: Your Codebtors 1
page 1 of ___
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
____________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ____________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

Eastern District
United States Bankruptcy Court for the: __________ of California
District of ___________

Case number ___________________________________________ Check if this is:
(If known)
An amended filing
A supplement showing postpetition chapter 13
income as of the following date:
________________
2IILFLDO)RUP 106I MM / DD / YYYY

Schedule I: Your Income 12/15

Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for
supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your spouse.
If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed, attach a
separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Employment

1. Fill in your employment
information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,
attach a separate page with
Employment status ✔ Employed
Employed
information about additional
employers. Not employed ✔
Not employed
Include part-time, seasonal, or
self-employed work.
Occupation Construction
__________________________________ Photographer
__________________________________
Occupation may include student
or homemaker, if it applies.
Employer’s name Ecology Air Innovations
__________________________________ -Self Employed-
__________________________________

Employer’s address 7945 Rio Linda Blvd.
_______________________________________ 800 Oak Lane
________________________________________
Number Street Number Street

_______________________________________ ________________________________________

Rio Linda CA 95763
_______________________________________ Rio Linda CA 95673
________________________________________
City State ZIP Code City State ZIP Code

How long employed there? _______
3 Years 1_______
Year

Part 2: Give Details About Monthly Income

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing
spouse unless you are separated.
If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines
below. If you need more space, attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or
non-filing spouse
2. List monthly gross wages, salary, and commissions (before all payroll
deductions). If not paid monthly, calculate what the monthly wage would be. 2. 4,225.52 0.00
$___________ $____________

3. Estimate and list monthly overtime pay. 3. 0.00
+ $___________ + 0.00
$____________

4. Calculate gross income. Add line 2 + line 3. 4. 4,225.52
$__________ 0.00
$____________

Official Form 106I Schedule I: Your Income page 1
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

For Debtor 1 For Debtor 2 or
non-filing spouse

Copy line 4 here………………………………………………………………………………….. Î 4. 4,225.52
$___________ 0.00
$_____________

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. 925.63
$____________ 0.00
$_____________
5b. Mandatory contributions for retirement plans 5b. 0.00
$____________ 0.00
$_____________
5c. Voluntary contributions for retirement plans 5c. 0.00
$____________ 0.00
$_____________
5d. Required repayments of retirement fund loans 5d. 0.00
$____________ 0.00
$_____________
5e. Insurance 5e. 0.00
$____________ 0.00
$_____________
5f. Domestic support obligations 5f. 0.00
$____________ 0.00
$_____________

5g. Union dues 5g. 0.00
$____________ 0.00
$_____________

5h. Other deductions. Specify: __________________________________ 5h. + $____________
0.00 + 0.00
$_____________

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e +5f + 5g + 5h. 6. 925.63
$____________ 0.00
$_____________

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. 3,299.89
$____________ 0.00
$_____________

8. List all other income regularly received:

8a. Net income from rental property and from operating a business,
profession, or farm
Attach a statement for each property and business showing gross
receipts, ordinary and necessary business expenses, and the total 0.00 1,066.33
$____________ $_____________
monthly net income. 8a.
8b. Interest and dividends 8b. 0.00
$____________ 0.00
$_____________
8c. Family support payments that you, a non-filing spouse, or a dependent
regularly receive
Include alimony, spousal support, child support, maintenance, divorce 0.00 0.00
$____________ $_____________
settlement, and property settlement. 8c.
8d. Unemployment compensation 8d. 0.00
$____________ 0.00
$_____________
8e. Social Security 8e. 0.00
$____________ 0.00
$_____________
8f. Other government assistance that you regularly receive
Include cash assistance and the value (if known) of any non-cash assistance
that you receive, such as food stamps (benefits under the Supplemental
Nutrition Assistance Program) or housing subsidies.
Specify: ___________________________________________________ 8f. 0.00
$____________ 0.00
$_____________

8g. Pension or retirement income 8g. 0.00
$____________ 0.00
$_____________

8h. Other monthly income. Specify: _______________________________ 8h. + $____________
0.00 + $_____________
0.00
9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f +8g + 8h. 9. 0.00
$____________ 1,066.33
$_____________

10. Calculate monthly income. Add line 7 + line 9.
3,299.89
$___________ + 1,066.33
$_____________ = 4,366.22
$_____________
Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse. 10.

11. State all other regular contributions to the expenses that you list in Schedule J.
Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and other
friends or relatives.
Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.
Specify: _______________________________________________________________________________ 11. + 0.00
$_____________

12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income.
Write that amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, if it applies 12. 4,366.22
$_____________
Combined
monthly income
13. Do you expect an increase or decrease within the year after you file this form?
✔
No.
Yes. Explain:

2IILFLDO)RUP, Schedule I: Your Income page 2
Filed 02/01/18 Case 18-20585 Doc 1

Attachment to Schedule I; Line #8A – Construction

Date Gross Supplies Fuel Tools Expenses Net
Jan-17 $3,200.00 $20.00 $120.00 $0.00 $140.00 $3,060.00
February $2,900.00 $50.00 $200.00 $0.00 $250.00 $2,650.00
March $3,700.00 $30.00 $160.00 $0.00 $190.00 $3,510.00
April $3,300.00 $20.00 $120.00 $0.00 $140.00 $3,160.00
May $4,600.00 $20.00 $120.00 $0.00 $140.00 $4,460.00
June $6,100.00 $50.00 $160.00 $0.00 $210.00 $5,890.00
July $5,600.00 $60.00 $100.00 $0.00 $160.00 $5,440.00
August $6,500.00 $50.00 $120.00 $0.00 $170.00 $6,330.00
September $5,800.00 $70.00 $200.00 $0.00 $270.00 $5,530.00
October $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
November $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
December $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Jan-18 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
B22 Totals $2,050.00 $20.00 $53.33 $0.00 $73.33 $1,976.67
2017 Totals $41,700.00 $370.00 $1,300.00 $0.00 $1,670.00 $40,030.00
Filed 02/01/18 Case 18-20585 Doc 1

Attachment to Schedule I; Line #8A – Photography

Date Gross Supplies Shipping Equipment Expenses Net
Jan-17 $690.00 $25.42 $60.00 $0.00 $85.42 $604.58
February $1,088.00 $46.00 $60.00 $605.00 $711.00 $377.00
March $113.00 $46.00 $30.00 $0.00 $76.00 $37.00
April $110.00 $46.00 $20.00 $0.00 $66.00 $44.00
May $868.00 $46.00 $20.00 $0.00 $66.00 $802.00
June $1,383.00 $46.00 $20.00 $1,600.00 $1,666.00 ($283.00)
July $1,148.00 $46.00 $60.00 $2,600.00 $2,706.00 ($1,558.00)
August $1,480.00 $46.00 $60.00 $200.00 $306.00 $1,174.00
September $2,609.00 $46.00 $60.00 $250.00 $356.00 $2,253.00
October $1,794.00 $46.00 $60.00 $0.00 $106.00 $1,688.00
November $385.00 $46.00 $60.00 $0.00 $106.00 $279.00
December $0.00 $46.00 $60.00 $0.00 $106.00 ($106.00)
Jan-18 $1,176.00 $46.00 $20.00 $0.00 $66.00 $1,110.00
B22 Totals $1,240.67 $46.00 $53.33 $75.00 $174.33 $1,066.33
2017 Totals $11,668.00 $531.42 $570.00 $5,255.00 $18,024.42 ($6,356.42)
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name Check if this is:
Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name
An amended filing
A supplement showing postpetition chapter 13
__________
United States Bankruptcy Court for the: Eastern District of __________
of California
District expenses as of the following date:
________________
Case number ___________________________________________ MM / DD / YYYY
(If known)

2IILFLDO)RUP 106J
Schedule J: Your Expenses 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case number
(if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

✔
No. Go to line 2.
Yes. Does Debtor 2 live in a separate household?

✔
No
Yes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Household of Debtor 2.

2. Do you have dependents? No Dependent’s relationship to Dependent’s Does dependent live
Do not list Debtor 1 and ✔ Yes. Fill out this information for
Debtor 1 or Debtor 2 age with you?
Debtor 2. each dependent ……………………..
Do not state the dependents’ Son 16 No
_________________________ ________
names.
✔
Yes

Daughter
_________________________ 13
________ No
✔
Yes

_________________________ ________ No
Yes

3. Do your expenses include ✔
No
expenses of people other than
yourself and your dependents? Yes

Part 2: Estimate Your Ongoing Monthly Expenses

Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report
expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the
applicable date.
Include expenses paid for with non-cash government assistance if you know the value of
such assistance and have included it on Schedule I: Your Income (Official Form 106I.) Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage payments and
any rent for the ground or lot. 4.
700.00
$_____________________

If not included in line 4:
4a. Real estate taxes 4a. 0.00
$_____________________
4b. Property, homeowner’s, or renter’s insurance 4b. 0.00
$_____________________
4c. Home maintenance, repair, and upkeep expenses 4c. 100.00
$_____________________
4d. Homeowner’s association or condominium dues 4d. 0.00
$_____________________

Official Form 106J Schedule J: Your Expenses page 1
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Your expenses

0.00
$_____________________
5. Additional mortgage payments for your residence, such as home equity loans 5.

6. Utilities:

6a. Electricity, heat, natural gas 6a. 0.00
$_____________________
6b. Water, sewer, garbage collection 6b. 0.00
$_____________________
6c. Telephone, cell phone, Internet, satellite, and cable services 6c. 290.00
$_____________________
6d. Other. Specify: _______________________________________________ 6d. 0.00
$_____________________

7. Food and housekeeping supplies 7. 900.00
$_____________________

8. Childcare and children’s education costs 8. 0.00
$_____________________
9. Clothing, laundry, and dry cleaning 9. 250.00
$_____________________
10. Personal care products and services 10. 200.00
$_____________________
11. Medical and dental expenses 11. 100.00
$_____________________

12. Transportation. Include gas, maintenance, bus or train fare.
300.00
$_____________________
Do not include car payments. 12.

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. 200.00
$_____________________
14. Charitable contributions and religious donations 14. 50.00
$_____________________

15. Insurance. 1

Do not include insurance deducted from your pay or included in lines 4 or 20.

15a. Life insurance 15a. 0.00
$_____________________
15b. Health insurance 15b. 0.00
$_____________________
15c. Vehicle insurance 15c. 120.00
$_____________________
15d. Other insurance. Specify:_______________________________________ 15d. 0.00
$_____________________

16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.
Specify: ________________________________________________________ 16.
0.00
$_____________________

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. 194.50
$_____________________

17b. Car payments for Vehicle 2 17b. 0.00
$_____________________
Storage Unit
17c. Other. Specify:_______________________________________________ 17c. 100.00
$_____________________

17d. Other. Specify:_______________________________________________ 17d. 0.00
$_____________________

18. Your payments of alimony, maintenance, and support that you did not report as deducted from
your pay on line 5, Schedule I, Your Income (Official Form 106I). 18. 800.00
$_____________________

19. Other payments you make to support others who do not live with you.

Specify:_______________________________________________________ 19. 0.00
$_____________________

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.

20a. Mortgages on other property 20a. 0.00
$_____________________

20b. Real estate taxes 20b. 0.00
$_____________________

20c. Property, homeowner’s, or renter’s insurance 20c. 0.00
$_____________________

20d. Maintenance, repair, and upkeep expenses 20d. 0.00
$_____________________

20e. Homeowner’s association or condominium dues 20e. 0.00
$_____________________

2IILFLDO)RUP- Schedule J: Your Expenses page 2
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

21. Pet Care
Other. Specify: _________________________________________________ 21. 50.00
+$_____________________

22. Calculate your monthly expenses.

22a. Add lines 4 through 21. 22a. 4,354.50
$_____________________

22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2 22b. 0.00
$_____________________

22c. Add line 22a and 22b. The result is your monthly expenses. 22c. 4,354.50
$_____________________

23. Calculate your monthly net income.
4,366.22
$_____________________
23a. Copy line 12 (your combined monthly income) from Schedule I. 23a.

23b. Copy your monthly expenses from line 22c above. 23b. 4,354.50
– $_____________________
23c. Subtract your monthly expenses from your monthly income.
11.72
$_____________________
The result is your monthly net income. 23c.

24. Do you expect an increase or decrease in your expenses within the year after you file this form?

For example, do you expect to finish paying for your car loan within the year or do you expect your
mortgage payment to increase or decrease because of a modification to the terms of your mortgage?

✔
No.
Yes. Explain here:

2IILFLDO)RUP- Schedule J: Your Expenses page 3
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: Eastern District
__________ of California
District of __________

Case number ___________________________________________
(If known)
Check if this is an
amended filing

2IILFLDO)RUP 106Dec
Declaration About an Individual Debtor’s Schedules 12/15

If two married people are filing together, both are equally responsible for supplying correct information.

You must file this form whenever you file bankruptcy schedules or amended schedules. Making a false statement, concealing property, or
obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20
years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Sign Below

Did you pay or agree to pay someone who is NOT an attorney to help you fill out bankruptcy forms?

✔ No

Yes. Name of person__________________________________________________. Attach Bankruptcy Petition Preparer’s Notice, Declaration, and
Signature (Official Form 119).

Under penalty of perjury, I declare that I have read the summary and schedules filed with this declaration and
that they are true and correct.

8 /s/ Ryan Roybal
______________________________________________ 8
_____________________________
Signature of Debtor 1 – Ryan Roybal Signature of Debtor 2

02/01/2018
Date _________________ Date _________________
MM / DD / YYY MM / DD / YYY

Official Form 106Dec Declaration About an Individual Debtor’s Schedules
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: Eastern District
__________ of California
District of ______________

Case number ___________________________________________
(If known) Check if this is an
amended filing

2IILFLDO)RUP 107
Statement of Financial Affairs for Individuals Filing for Bankruptcy 12/15

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct
information. If more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case
number (if known). Answer every question.

Part 1: Give Details About Your Marital Status and Where You Lived Before

1. What is your current marital status?

✔ Married

Not married

2. During the last 3 years, have you lived anywhere other than where you live now?

✔
No
Yes. List all of the places you lived in the last 3 years. Do not include where you live now.

Debtor 1: Dates Debtor 1 Debtor 2: Dates Debtor 2
lived there lived there

Same as Debtor 1 Same as Debtor 1

__________________________________________ From ________ ___________________________________________ From ________
Number Street Number Street
To ________ To ________
__________________________________________ ___________________________________________

__________________________________________ ___________________________________________
City State ZIP Code City State ZIP Code

Same as Debtor 1 Same as Debtor 1

__________________________________________ ___________________________________________
City State ZIP Code City State ZIP Code

3. Within the last 8 years, did you ever live with a spouse or legal equivalent in a community property state or territory? (Community property
states and territories include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin.)
No
✔
Yes. Make sure you fill out Schedule H: Your Codebtors (Official Form 106H).

Part 2: Explain the Sources of Your Income

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 1
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

4. Did you have any income from employment or from operating a business during this year or the two previous calendar years?
Fill in the total amount of income you received from all jobs and all businesses, including part-time activities.
If you are filing a joint case and you have income that you receive together, list it only once under Debtor 1.

No
✔
Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income Gross income Sources of income Gross income
Check all that apply. (before deductions and Check all that apply. (before deductions and
exclusions) exclusions)

✔
Wages, commissions, Wages, commissions,
From January 1 of current year until
bonuses, tips
4,225.52
$________________ bonuses, tips
1,176.00
$________________
the date you filed for bankruptcy:
Operating a business ✔
Operating a business

For last calendar year: Wages, commissions, Wages, commissions,
bonuses, tips 51,265.34
$________________ bonuses, tips 11,668.00
$________________
(January 1 to December 31, 2017
_________) ✔
Operating a business ✔ Operating a business

YYYY

For the calendar year before that: Wages, commissions, Wages, commissions,
bonuses, tips bonuses, tips
31,472.00
$________________ 0.00
$________________
(January 1 to December 31, 2016
_________) ✔
Operating a business ✔ Operating a business

YYYY

5. Did you receive any other income during this year or the two previous calendar years?
Include income regardless of whether that income is taxable. Examples of other income are alimony; child support; Social Security,
unemployment, and other public benefit payments; pensions; rental income; interest; dividends; money collected from lawsuits; royalties; and
gambling and lottery winnings. If you are filing a joint case and you have income that you received together, list it only once under Debtor 1.

List each source and the gross income from each source separately. Do not include income that you listed in line 4.

No
✔ Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income Gross income from Sources of income Gross income from
Describe below. each source Describe below. each source
(before deductions and (before deductions and
exclusions) exclusions)

2017 Tax Refund
__________________ 0.00 _____________________ $_________________
$_________________
From January 1 of current year until
the date you filed for bankruptcy: __________________ $_________________ _____________________ $_________________
__________________ $_________________ _____________________ $_________________

For last calendar year:
2016 Tax Refund
__________________ 680.00 _____________________ $_________________
$_________________

(January 1 to December 31,2017
______) __________________ $_________________ _____________________ $_________________
YYYY
__________________ $_________________ _____________________ $_________________

For the calendar year before that: 2015 Tax Refund
__________________ 0.00 _____________________ $_________________
$_________________
(January 1 to December 31,2016
______) __________________ $_________________ _____________________ $_________________
YYYY
__________________ $_________________ _____________________ $_________________

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 2
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 3: List Certain Payments You Made Before You Filed for Bankruptcy

6. Are either Debtor 1’s or Debtor 2’s debts primarily consumer debts?

No. Neither Debtor 1 nor Debtor 2 has primarily consumer debts. Consumer debts are defined in 11 U.S.C. § 101(8) as
“incurred by an individual primarily for a personal, family, or household purpose.”
During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $6,25* or more?

No. Go to line 7.

Yes. List below each creditor to whom you paid a total of $6,25* or more in one or more payments and the
total amount you paid that creditor. Do not include payments for domestic support obligations, such as
child support and alimony. Also, do not include payments to an attorney for this bankruptcy case.
* Subject to adjustment on 4/01/ and every 3 years after that for cases filed on or after the date of adjustment.

✔
Yes. Debtor 1 or Debtor 2 or both have primarily consumer debts.
During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $600 or more?

No. Go to line 7.
✔
Yes. List below each creditor to whom you paid a total of $600 or more and the total amount you paid that
creditor. Do not include payments for domestic support obligations, such as child support and
alimony. Also, do not include payments to an attorney for this bankruptcy case.

Dates of Total amount paid Amount you still owe Was this payment for…
payment

FreedomRoad Financial
____________________________________ Monthly
_________ 583.50 $__________________
$_________________ 1,465.72 Mortgage
Creditor’s Name
Car
P.O. Box 4597
____________________________________ _________
Number Street Credit card
Loan repayment
____________________________________ _________
Suppliers or vendors
Oak Brook IL 60522
____________________________________ ✔ Other Motorcycle
City State ZIP Code ____________

____________________________________ _________ $_________________ $__________________ Mortgage
Creditor’s Name
Car
____________________________________ _________ Credit card
Number Street

Loan repayment
____________________________________ _________
Suppliers or vendors
____________________________________
City State ZIP Code
Other ____________

____________________________________ _________ $_________________ $__________________ Mortgage
Creditor’s Name
Car
____________________________________ _________ Credit card
Number Street

Loan repayment
____________________________________ _________
Suppliers or vendors
____________________________________
City State ZIP Code
Other ____________

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 3
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

7. Within 1 year before you filed for bankruptcy, did you make a payment on a debt you owed anyone who was an insider?
Insiders include your relatives; any general partners; relatives of any general partners; partnerships of which you are a general partner;
corporations of which you are an officer, director, person in control, or owner of 20% or more of their voting securities; and any managing
agent, including one for a business you operate as a sole proprietor. 11 U.S.C. § 101. Include payments for domestic support obligations,
such as child support and alimony.
✔
No
Yes. List all payments to an insider.
Dates of Total amount Amount you still Reason for this payment
payment paid owe

____________________________________________ _________ $____________ $____________
Insider’s Name

____________________________________________ _________
Number Street

____________________________________________ _________

____________________________________________
City State ZIP Code

____________________________________________ $____________ $____________
_________
Insider’s Name

____________________________________________ _________
Number Street

____________________________________________ _________

____________________________________________
City State ZIP Code

8. Within 1 year before you filed for bankruptcy, did you make any payments or transfer any property on account of a debt that benefited
an insider?
Include payments on debts guaranteed or cosigned by an insider.

✔
No
Yes. List all payments that benefited an insider.
Dates of Total amount Amount you still Reason for this payment
payment paid owe
Include creditor’s name

____________________________________________ _________ $____________ $____________
Insider’s Name

____________________________________________ _________
Number Street

____________________________________________ _________

____________________________________________
City State ZIP Code

____________________________________________ $____________ $____________
_________
Insider’s Name

____________________________________________ _________
Number Street

____________________________________________ _________

____________________________________________
City State ZIP Code

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 4
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Part 4: Identify Legal Actions, Repossessions, and Foreclosures
9. Within 1 year before you filed for bankruptcy, were you a party in any lawsuit, court action, or administrative proceeding?
List all such matters, including personal injury cases, small claims actions, divorces, collection suits, paternity actions, support or custody modifications,
and contract disputes.

No
✔ Yes. Fill in the details.

Nature of the case Court or agency Status of the case
Superior Court of California
Civil Lawsuit County of Sacramento
Velocity Investments,
Case title_____________________________ Breach of Contract
________________________________________
Court Name
✔
Pending

LLC vs. Ryan Roybal
Money Damages On appeal
____________________________________ 720 Ninth Street
________________________________________
Number Street Concluded

Case number 34-2017-00223624
________________________ Sacramento CA 95814
________________________________________
City State ZIP Code

________________________________________ Pending
Case title_____________________________ Court Name
On appeal
____________________________________ ________________________________________
Number Street Concluded

Case number ________________________ ________________________________________
City State ZIP Code

10. Within 1 year before you filed for bankruptcy, was any of your property repossessed, foreclosed, garnished, attached, seized, or levied?
Check all that apply and fill in the details below.
✔ No. Go to line 11.

Yes. Fill in the information below.
Describe the property Date Value of the property

_________________________________________ __________ $______________
Creditor’s Name

_________________________________________
Number Street Explain what happened

Property was repossessed.
_________________________________________
Property was foreclosed.
Property was garnished.
_________________________________________
City State ZIP Code Property was attached, seized, or levied.

Describe the property Date Value of the property

__________ $______________
_________________________________________
Creditor’s Name

_________________________________________
Number Street
Explain what happened

_________________________________________ Property was repossessed.
Property was foreclosed.
_________________________________________
City State ZIP Code
Property was garnished.
Property was attached, seized, or levied.

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 5
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

11. Within 90 days before you filed for bankruptcy, did any creditor, including a bank or financial institution, set off any amounts from your
accounts or refuse to make a payment because you owed a debt?
✔
No
Yes. Fill in the details.

Describe the action the creditor took Date action Amount
was taken
______________________________________
Creditor’s Name

______________________________________ ____________ $________________
Number Street

______________________________________

______________________________________
City State ZIP Code Last 4 digits of account number: XXXX–___ ___ ___ ___

12. Within 1 year before you filed for bankruptcy, was any of your property in the possession of an assignee for the benefit of
creditors, a court-appointed receiver, a custodian, or another official?
✔
No
Yes

Part 5: List Certain Gifts and Contributions

13. Within 2 years before you filed for bankruptcy, did you give any gifts with a total value of more than $600 per person?
✔
No
Yes. Fill in the details for each gift.

Gifts with a total value of more than $600 Describe the gifts Dates you gave Value
per person the gifts

______________________________________ _________ $_____________
Person to Whom You Gave the Gift

______________________________________ _________ $_____________

______________________________________
Number Street

______________________________________
City State ZIP Code

Person’s relationship to you ______________

Gifts with a total value of more than $600 Describe the gifts Dates you gave Value
per person the gifts

______________________________________ _________ $_____________
Person to Whom You Gave the Gift

______________________________________ _________ $_____________

______________________________________
Number Street

______________________________________
City State ZIP Code

Person’s relationship to you ______________

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 6
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

14. Within 2 years before you filed for bankruptcy, did you give any gifts or contributions with a total value of more than $600 to any charity?

No
✔
Yes. Fill in the details for each gift or contribution.

Gifts or contributions to charities Describe what you contributed Date you Value
that total more than $600 contributed

Monthly Tithing of $50.00 Cash
Kingdom Hall of Jehovah’s
_____________________________________ Monthly
_________ 50.00
$_____________
Charity’s Name

Witnesses
_____________________________________ _________ $_____________

301 W Q Street
_____________________________________
Number Street

Rio Linda CA 95673
_____________________________________
City State ZIP Code

Part 6: List Certain Losses

15. Within 1 year before you filed for bankruptcy or since you filed for bankruptcy, did you lose anything because of theft, fire, other
disaster, or gambling?

✔
No
Yes. Fill in the details.

Describe the property you lost and Describe any insurance coverage for the loss Date of your Value of property
how the loss occurred loss lost
Include the amount that insurance has paid. List pending insurance
claims on line 33 of Schedule A/B: Property.

_________ $_____________

Part 7: List Certain Payments or Transfers

16. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone
you consulted about seeking bankruptcy or preparing a bankruptcy petition?
Include any attorneys, bankruptcy petition preparers, or credit counseling agencies for services required in your bankruptcy.

No
✔
Yes. Fill in the details.

Description and value of any property transferred Date payment or Amount of payment
Mark Shmorgon
___________________________________
transfer was
Person Who Was Paid made

5015 Madison Ave., Suite A $665.00 – Attorney’s Fee
___________________________________
Number Street $335.00 – Filing Fee 01/31/0201
_________ 1,000.00
$_____________
$1,000.00 – Total
___________________________________
_________ $_____________
Sacramento CA 95841
___________________________________
City State ZIP Code

shmorgonlaw@gmail.com
____________________________________________
Email or website address

___________________________________
Person Who Made the Payment, if Not You

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 7
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Description and value of any property transferred Date payment or Amount of
transfer was made payment
Access Counseling, Inc.
____________________________________
Person Who Was Paid
01/30/2018
_________ 10.90
$_____________
33 West 5th Street
____________________________________
Number Street

_________ $_____________
Suite #26001
____________________________________

Los Angeles CA 90071
____________________________________
City State ZIP Code

http://accesscounselinginc.org
________________________________________________
Email or website address

___________________________________
Person Who Made the Payment, if Not You

17. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone who
promised to help you deal with your creditors or to make payments to your creditors?
Do not include any payment or transfer that you listed on line 16.

✔ No

Yes. Fill in the details.
Description and value of any property transferred Date payment or Amount of payment
transfer was
____________________________________ made
Person Who Was Paid

____________________________________ _________ $____________
Number Street

____________________________________
_________ $____________
____________________________________
City State ZIP Code

18. Within 2 years before you filed for bankruptcy, did you sell, trade, or otherwise transfer any property to anyone, other than property
transferred in the ordinary course of your business or financial affairs?
Include both outright transfers and transfers made as security (such as the granting of a security interest or mortgage on your property).
Do not include gifts and transfers that you have already listed on this statement.
No
✔ Yes. Fill in the details.

Description and value of property Describe any property or payments received Date transfer
transferred or debts paid in exchange was made
Unknown Third Party
___________________________________
Person Who Received Transfer
2001 Mini Cooper $4,300.00 – Cash
___________________________________ 2017
_________
Number Street

___________________________________

___________________________________
City State ZIP Code

Person’s relationship to you3rd Party
_____________

___________________________________
Person Who Received Transfer
_________
___________________________________
Number Street

___________________________________

___________________________________
City State ZIP Code

Person’s relationship to you _____________

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 8
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

19. Within 10 years before you filed for bankruptcy, did you transfer any property to a self-settled trust or similar device of which you
are a beneficiary? (These are often called asset-protection devices.)

✔
No
Yes. Fill in the details.

Description and value of the property transferred Date transfer
was made

_________
Name of trust __________________________

______________________________________

Part 8: List Certain Financial Accounts, Instruments, Safe Deposit Boxes, and Storage Units

20. Within 1 year before you filed for bankruptcy, were any financial accounts or instruments held in your name, or for your benefit,
closed, sold, moved, or transferred?
Include checking, savings, money market, or other financial accounts; certificates of deposit; shares in banks, credit unions,
brokerage houses, pension funds, cooperatives, associations, and other financial institutions.
✔
No
Yes. Fill in the details.

Last 4 digits of account number Type of account or Date account was Last balance before
instrument closed, sold, moved, closing or transfer
or transferred
____________________________________
Name of Financial Institution
XXXX–___ ___ ___ ___ Checking _________ $___________
____________________________________
Number Street
Savings
____________________________________ Money market
____________________________________
Brokerage
City State ZIP Code
Other__________

____________________________________ XXXX–___ ___ ___ ___ Checking _________ $___________
Name of Financial Institution
Savings
____________________________________
Number Street Money market
____________________________________ Brokerage
____________________________________ Other__________
City State ZIP Code

21. Do you now have, or did you have within 1 year before you filed for bankruptcy, any safe deposit box or other depository for
securities, cash, or other valuables?
✔ No

Yes. Fill in the details.
Who else had access to it? Describe the contents Do you still
have it?

No
____________________________________ _______________________________________
Name of Financial Institution Name
Yes

____________________________________ _______________________________________
Number Street Number Street

____________________________________
_______________________________________
City State ZIP Code
____________________________________
City State ZIP Code

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 9
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

22. Have you stored property in a storage unit or place other than your home within 1 year before you filed for bankruptcy?
No
✔
Yes. Fill in the details.
Who else has or had access to it? Describe the contents Do you still
have it?

Household Goods
A-All Mini Storage
___________________________________ Kara Roybal
_______________________________________ No
Name of Storage Facility Name ✔ Yes

6945 32nd Street
___________________________________ 800 Oak Lane
_______________________________________
Number Street Number Street

___________________________________ Rio Linda CA 95673
_______________________________________
City State ZIP Code
North Highlands CA 95660
___________________________________
City State ZIP Code

Part 9: Identify Property You Hold or Control for Someone Else

23. Do you hold or control any property that someone else owns? Include any property you borrowed from, are storing for,
or hold in trust for someone.
✔ No

Yes. Fill in the details.
Where is the property? Describe the property Value

___________________________________
Owner’s Name $__________
_________________________________________
___________________________________ Number Street
Number Street
_________________________________________
___________________________________
_________________________________________
___________________________________ City State ZIP Code
City State ZIP Code

Part 10: Give Details About Environmental Information

For the purpose of Part 10, the following definitions apply:
Environmental law means any federal, state, or local statute or regulation concerning pollution, contamination, releases of
hazardous or toxic substances, wastes, or material into the air, land, soil, surface water, groundwater, or other medium,
including statutes or regulations controlling the cleanup of these substances, wastes, or material.

Site means any location, facility, or property as defined under any environmental law, whether you now own, operate, or
utilize it or used to own, operate, or utilize it, including disposal sites.

Hazardous material means anything an environmental law defines as a hazardous waste, hazardous substance, toxic
substance, hazardous material, pollutant, contaminant, or similar term.

Report all notices, releases, and proceedings that you know about, regardless of when they occurred.

24. Has any governmental unit notified you that you may be liable or potentially liable under or in violation of an environmental law?

✔
No
Yes. Fill in the details.
Governmental unit Environmental law, if you know it Date of notice

____________________________________ _______________________________ _________
Name of site Governmental unit

____________________________________ _______________________________
Number Street Number Street

_______________________________
____________________________________ City State ZIP Code

____________________________________
City State ZIP Code

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 10
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

25. Have you notified any governmental unit of any release of hazardous material?

✔ No

Yes. Fill in the details.
Governmental unit Environmental law, if you know it Date of notice

____________________________________ _______________________________
Name of site Governmental unit
_________

____________________________________ _______________________________
Number Street Number Street

____________________________________ _______________________________
City State ZIP Code

____________________________________
City State ZIP Code

26. Have you been a party in any judicial or administrative proceeding under any environmental law? Include settlements and orders.

✔
No
Yes. Fill in the details.
Status of the
Court or agency Nature of the case
case

Case title______________________________
________________________________
Court Name
Pending
______________________________________
On appeal
________________________________
Number Street Concluded

______________________________________
________________________________
Case number City State ZIP Code

Part 11: Give Details About Your Business or Connections to Any Business
27. Within 4 years before you filed for bankruptcy, did you own a business or have any of the following connections to any business?
✔ A sole proprietor or self-employed in a trade, profession, or other activity, either full-time or part-time

A member of a limited liability company (LLC) or limited liability partnership (LLP)
A partner in a partnership
An officer, director, or managing executive of a corporation
An owner of at least 5% of the voting or equity securities of a corporation
No. None of the above applies. Go to Part 12.
✔ Yes. Check all that apply above and fill in the details below for each business.

Describe the nature of the business Employer Identification number
DBA: RAD Construction
____________________________________ Do not include Social Security number or ITIN.
Business Name
Construction (Sole Proprietorship)
800 Oak Lane
____________________________________ EIN: ___ ___ – ___ ___ ___ ___ ___ ___ ___
Number Street
Name of accountant or bookkeeper Dates business existed
____________________________________

From _______ 2017
01/2015 To _______
Rio Linda CA 95673
____________________________________
City State ZIP Code

Describe the nature of the business Employer Identification number
____________________________________ Do not include Social Security number or ITIN.
Business Name

____________________________________ EIN: ___ ___ – ___ ___ ___ ___ ___ ___ ___
Number Street
Name of accountant or bookkeeper Dates business existed
____________________________________

____________________________________
From _______ To _______
City State ZIP Code

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 11
Filed 02/01/18 Case 18-20585 Doc 1

Debtor 1 Ryan Roybal
_______________________________________________________ Case number (if known)_____________________________________
First Name Middle Name Last Name

Employer Identification number
Describe the nature of the business
Do not include Social Security number or ITIN.
____________________________________
Business Name
EIN: ___ ___ – ___ ___ ___ ___ ___ ___ ___
____________________________________
Number Street
Name of accountant or bookkeeper Dates business existed

____________________________________

____________________________________ From _______ To _______
City State ZIP Code

28. Within 2 years before you filed for bankruptcy, did you give a financial statement to anyone about your business? Include all financial
institutions, creditors, or other parties.

✔
No
Yes. Fill in the details below.

Date issued

____________________________________ ____________
Name MM / DD / YYYY

____________________________________
Number Street

____________________________________

____________________________________
City State ZIP Code

Part 12: Sign Below

I have read the answers on this Statement of Financial Affairs and any attachments, and I declare under penalty of perjury that the
answers are true and correct. I understand that making a false statement, concealing property, or obtaining money or property by fraud
in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both.
18 U.S.C. §§ 152, 1341, 1519, and 3571.

8 /s/ Ryan Roybal
______________________________________________ 8_____________________________
Signature of Debtor 1 – Ryan Roybal Signature of Debtor 2

02/01/2018
Date ________________ Date _________________

Did you attach additional pages to Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (Official Form 107)?

✔
No
Yes

Did you pay or agree to pay someone who is not an attorney to help you fill out bankruptcy forms?
✔ No

Yes. Name of person_____________________________________________________________. Attach the Bankruptcy Petition Preparer’s Notice,
Declaration, and Signature (Official Form 119).

2IILFLDO)RUP Statement of Financial Affairs for Individuals Filing for Bankruptcy page 12
Filed 02/01/18 Case 18-20585 Doc 1

Fill in this information to identify your case:

Debtor 1 Ryan Roybal
__________________________________________________________________
First Name Middle Name Last Name

Debtor 2 ________________________________________________________________
(Spouse, if filing) First Name Middle Name Last Name

__________
United States Bankruptcy Court for the: Eastern District
District of __________
of California
Case number ___________________________________________ Check if this is an
(If known) amended filing

2IILFLDO)RUP 108
Statement of Intention for Individuals Filing Under Chapter 7 12/15

If you are an individual filing under chapter 7, you must fill out this form if:
creditors have claims secured by your property, or
you have leased personal property and the lease has not expired.
You must file this form with the court within 30 days after you file your bankruptcy petition or by the date set for the meeting of creditors,
whichever is earlier, unless the court extends the time for cause. You must also send copies to the creditors and lessors you list on the form.
If two married people are filing together in a joint case, both are equally responsible for supplying correct information.
Both debtors must sign and date the form.
Be as complete and accurate as possible. If more space is needed, attach a separate sheet to this form. On the top of any additional pages,
write your name and case number (if known).

Part 1: List Your Creditors Who Have Secured Claims

1. For any creditors that you listed in Part 1 of Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D), fill in the
information below.

Identify the creditor and the property that is collateral What do you intend to do with the property that Did you claim the property
secures a debt? as exempt on Schedule C?

Creditor’s
FreedomRoad Financial Surrender the property. No
name:
Retain the property and redeem it. ✔ Yes

Description of 2012 KTM 350 XC-F Motorcycle ✔ Retain the property and enter into a

property
securing debt: Reaffirmation Agreement.
Retain the property and [explain]: __________
______________________________________

Creditor’s Surrender the property. No
name:
Retain the property and redeem it. Yes
Description of
property Retain the property and enter into a
securing debt: Reaffirmation Agreement.
Retain the property and [explain]: __________
______________________________________

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 1
Filed 02/01/18 Case 18-20585 Doc 1
Debtor 1 Ryan Roybal
______________________________________________________ Case number (If known)_____________________________________
First Name Middle Name Last Name

Part 2: List Your Unexpired Personal Property Leases

For any unexpired personal property lease that you listed in Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G),
fill in the information below. Do not list real estate leases. Unexpired leases are leases that are still in effect; the lease period has not yet
ended. You may assume an unexpired personal property lease if the trustee does not assume it. 11 U.S.C. § 365(p)(2).

Describe your unexpired personal property leases Will the lease be assumed?

Lessor’s name:
Jayne Brott No
✔ Yes

Description of leased 800 Oak Lane Rio Linda, CA 95673
property:

Lessor’s name: No
Yes
Description of leased
property:

Lessor’s name: No
Description of leased Yes
property:

Lessor’s name: No
Yes
Description of leased
property:

Lessor’s name: No
Yes
Description of leased
property:

Lessor’s name: No
Yes
Description of leased
property:

Part 3: Sign Below

Under penalty of perjury, I declare that I have indicated my intention about any property of my estate that secures a debt and any
personal property that is subject to an unexpired lease.

8 /s/ Ryan Roybal
___________________________________________ 8 ___________________________________________
Signature of Debtor 1 – Ryan Roybal Signature of Debtor 2

02/01/2018
Date _________________ Date _________________
MM / DD / YYYY MM / DD / YYYY

2IILFLDO)RUP Statement of Intention for Individuals Filing Under Chapter 7 page 2
Filed 02/01/18
Form B203 Case 18-20585 USBC Eastern District of California Doc 1

UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT
DISTRICT OFOF CALIFORNIA
IDAHO

In re Case Number:
Ryan Roybal

DISCLOSURE OF COMPENSATION
OF ATTORNEY FOR DEBTOR
Debtor(s)

1. Pursuant to 11 U.S.C. § 329(a) and Bankruptcy Rule 2016(b), I certify that I am the attorney for the above-named debtor(s) and
that compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for
services rendered or to be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is
as follow:

For legal services, I have agreed to accept . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 665.00
$_____________
Prior to the filing of this statement I have received. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 665.00
$_____________
Balance Due. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
$_____________

2. The source of the compensation paid to me was:

✔ Debtor Other (specify)

3. The source of compensation to be paid to me is:

✔ Debtor Other (specify)

4. ✔ I have not agreed to share the above-disclosed compensation with any other person unless they are members and
associates of my law firm.

I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of
my law firm. A copy of the agreement, together with a list of the names of the people sharing in the compensation, is
attached.

5. In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:

a. Analysis of the debtor’s financial situation, and rendering advice to the debtor in determining whether to file a petition in
bankruptcy;

b. Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;

c. Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;

d. Representation of the debtor in contested bankruptcy matters;

e. [Other provisions as needed]
Filed 02/01/18
Form 203, pg 2 Case 18-20585
USBC, Eastern District of California Doc 1

6. By agreement with the debtor(s), the above-disclosed fee does not include the following servicesLQVRIDUDVWKHVHVHUYLFHVDUH
QRWPDQGDWHGE\/RFDO5XOHRIWKH(DVWHUQ’LVWULFWRI&DOLIRUQLD

CERTIFICATION
I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for
representation of the debtor(s) in this bankruptcy proceeding.

February 1, 2018
__________________________________ /s/ Mark Shmorgon
__________________________________________
Date Signature of Attorney – Mark Shmorgon
Law Offices of Mark Shmorgon
5015 Madison Ave., Suite A
Sacramento, CA 95841
Phone: 916-640-7599; Email: shmorgonlaw@gmail.com
__________________________________________
a e of a ir

5HYLVHG’HFHPEHU
Filed 02/01/18 Case 18-20585 Doc 1

Notice Required by 11 U.S.C. § 342(b) for
Individuals Filing for Bankruptcy (Form 2010)

Chapter 7: Liquidation
This notice is for you if:

You are an individual filing for bankruptcy,
$245 filing fee
and $75 administrative fee
+ $15 trustee surcharge
Your debts are primarily consumer debts.
$335 total fee
Consumer debts are defined in 11 U.S.C.
§ 101(8) as “incurred by an individual Chapter 7 is for individuals who have financial
primarily for a personal, family, or difficulty preventing them from paying their
household purpose.” debts and who are willing to allow their non-
exempt property to be used to pay their
creditors. The primary purpose of filing under
chapter 7 is to have your debts discharged. The
The types of bankruptcy that are bankruptcy discharge relieves you after
available to individuals bankruptcy from having to pay many of your
pre-bankruptcy debts. Exceptions exist for
Individuals who meet the qualifications may file particular debts, and liens on property may still
under one of four different chapters of the be enforced after discharge. For example, a
Bankruptcy Code: creditor may have the right to foreclose a home
mortgage or repossess an automobile.
Chapter 7 — Liquidation
However, if the court finds that you have
Chapter 11— Reorganization
committed certain kinds of improper conduct
described in the Bankruptcy Code, the court
Chapter 12— Voluntary repayment plan
for family farmers or may deny your discharge.
fishermen
You should know that even if you file
chapter 7 and you receive a discharge, some
Chapter 13— Voluntary repayment plan
for individuals with regular debts are not discharged under the law.
income Therefore, you may still be responsible to pay:
most taxes;
You should have an attorney review your most student loans;
decision to file for bankruptcy and the choice of
domestic support and property settlement
chapter.
obligations;

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most fines, penalties, forfeitures, and your income is more than the median income
criminal restitution obligations; and for your state of residence and family size,
certain debts that are not listed in your depending on the results of the Means Test, the
bankruptcy papers. U.S. trustee, bankruptcy administrator, or
creditors can file a motion to dismiss your case
You may also be required to pay debts arising under § 707(b) of the Bankruptcy Code. If a
from: motion is filed, the court will decide if your
case should be dismissed. To avoid dismissal,
fraud or theft;
you may choose to proceed under another
fraud or defalcation while acting in breach chapter of the Bankruptcy Code.
of fiduciary capacity;
If you are an individual filing for chapter 7
intentional injuries that you inflicted; and
bankruptcy, the trustee may sell your property
death or personal injury caused by to pay your debts, subject to your right to
operating a motor vehicle, vessel, or exempt the property or a portion of the
aircraft while intoxicated from alcohol or proceeds from the sale of the property. The
drugs. property, and the proceeds from property that
your bankruptcy trustee sells or liquidates that
If your debts are primarily consumer debts, the you are entitled to, is called exempt property.
court can dismiss your chapter 7 case if it finds Exemptions may enable you to keep your
that you have enough income to repay home, a car, clothing, and household items or
creditors a certain amount. You must file to receive some of the proceeds if the property
Chapter 7 Statement of Your Current Monthly is sold.
Income (Official Form 122A–1) if you are an
individual filing for bankruptcy under Exemptions are not automatic. To exempt
chapter 7. This form will determine your property, you must list it on Schedule C: The
current monthly income and compare whether Property You Claim as Exempt (Official Form
your income is more than the median income 106C). If you do not list the property, the
that applies in your state. trustee may sell it and pay all of the proceeds
to your creditors.
If your income is not above the median for
your state, you will not have to complete the
other chapter 7 form, the Chapter 7 Means Chapter 11: Reorganization
Test Calculation (Official Form 122A–2).
$1,167 filing fee
If your income is above the median for your + $550 administrative fee
state, you must file a second form —the $1,717 total fee
Chapter 7 Means Test Calculation (Official
Form 122A–2). The calculations on the form— Chapter 11 is often used for reorganizing a
sometimes called the Means Test—deduct business, but is also available to individuals.
from your income living expenses and The provisions of chapter 11 are too
payments on certain debts to determine any complicated to summarize briefly.
amount available to pay unsecured creditors. If

Notice Required by 11 U.S.C. U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 2
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Read These Important Warnings

Because bankruptcy can have serious long-term financial and legal consequences, including loss of
your property, you should hire an attorney and carefully consider all of your options before you file.
Only an attorney can give you legal advice about what can happen as a result of filing for bankruptcy
and what your options are. If you do file for bankruptcy, an attorney can help you fill out the forms
properly and protect you, your family, your home, and your possessions.
Although the law allows you to represent yourself in bankruptcy court, you should understand that
many people find it difficult to represent themselves successfully. The rules are technical, and a
mistake or inaction may harm you. If you file without an attorney, you are still responsible for knowing
and following all of the legal requirements.
You should not file for bankruptcy if you are not eligible to file or if you do not intend to file the
necessary documents.
Bankruptcy fraud is a serious crime; you could be fined and imprisoned if you commit fraud in your
bankruptcy case. Making a false statement, concealing property, or obtaining money or property by
fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to
20 years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Chapter 12: Repayment plan for family Under chapter 13, you must file with the court
farmers or fishermen a plan to repay your creditors all or part of the
money that you owe them, usually using your
$200 filing fee
future earnings. If the court approves your
+ $75 administrative fee
$275 total fee
plan, the court will allow you to repay your
debts, as adjusted by the plan, within 3 years or
Similar to chapter 13, chapter 12 permits 5 years, depending on your income and other
family farmers and fishermen to repay their factors.
debts over a period of time using future
earnings and to discharge some debts that are After you make all the payments under your
not paid. plan, many of your debts are discharged. The
debts that are not discharged and that you may
still be responsible to pay include:

Chapter 13: Repayment plan for domestic support obligations,
individuals with regular most student loans,
income certain taxes,
debts for fraud or theft,
$235 filing fee
debts for fraud or defalcation while acting
+ $75 administrative fee
in a fiduciary capacity,
$310 total fee
most criminal fines and restitution
Chapter 13 is for individuals who have regular obligations,
income and would like to pay all or part of certain debts that are not listed in your
their debts in installments over a period of time bankruptcy papers,
and to discharge some debts that are not paid.
certain debts for acts that caused death or
You are eligible for chapter 13 only if your
personal injury, and
debts are not more than certain dollar amounts
set forth in 11 U.S.C. § 109. certain long-term secured debts.

Notice Required by 11 U.S.C. U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 3
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A married couple may file a bankruptcy case
Warning: File Your Forms on Time together—called a joint case. If you file a joint
case and each spouse lists the same mailing
Section 521(a)(1) of the Bankruptcy Code address on the bankruptcy petition, the
requires that you promptly file detailed information
bankruptcy court generally will mail you and
about your creditors, assets, liabilities, income,
expenses and general financial condition. The your spouse one copy of each notice, unless
court may dismiss your bankruptcy case if you do you file a statement with the court asking that
not file this information within the deadlines set by each spouse receive separate copies.
the Bankruptcy Code, the Bankruptcy Rules, and
the local rules of the court.

For more information about the documents and Understand which services you
their deadlines, go to: could receive from credit
http://www.uscourts.gov/bkforms/bankruptcy_form counseling agencies
s.html#procedure.
The law generally requires that you receive a
credit counseling briefing from an approved
credit counseling agency. 11 U.S.C. § 109(h).
Bankruptcy crimes have serious
If you are filing a joint case, both spouses must
consequences
receive the briefing. With limited exceptions,
If you knowingly and fraudulently conceal you must receive it within the 180 days before
assets or make a false oath or statement you file your bankruptcy petition. This briefing
under penalty of perjury—either orally or is usually conducted by telephone or on the
in writing—in connection with a Internet.
bankruptcy case, you may be fined,
imprisoned, or both. In addition, after filing a bankruptcy case, you
generally must complete a financial
All information you supply in connection management instructional course before you
with a bankruptcy case is subject to can receive a discharge. If you are filing a joint
examination by the Attorney General acting case, both spouses must complete the course.
through the Office of the U.S. Trustee, the
Office of the U.S. Attorney, and other You can obtain the list of agencies approved to
offices and employees of the U.S. provide both the briefing and the instructional
Department of Justice. course from:
http://justice.gov/ust/eo/hapcpa/ccde/cc_approved.html.
Make sure the court has your In Alabama and North Carolina, go to:
mailing address http://www.uscourts.gov/FederalCourts/Bankruptcy/

The bankruptcy court sends notices to the BankruptcyResources/ApprovedCredit

mailing address you list on Voluntary Petition AndDebtCounselors.aspx.

for Individuals Filing for Bankruptcy (Official
If you do not have access to a computer, the
Form 101). To ensure that you receive
clerk of the bankruptcy court may be able to
information about your case, Bankruptcy
help you obtain the list.
Rule 4002 requires that you notify the court of
any changes in your address.

Notice Required by 11 U.S.C. U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 4

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