DISCLOSURE REQUIRED NOTICE

DISCLOSURES UNDER 11 USC 527

527(a)(2) Disclosure

(A) All information that you are required to provide as part of your bankruptcy petition and thereafter during your case under Title 11 of the United States Code is required to be complete, accurate and truthful;

(B) All assets and all liabilities are required to be completely and accurately disclosed in the documents filed to commence your bankruptcy case, and the replacement value of each asset as defined in section 506 must be stated in those documents where requested after reasonable inquiry to establish such value;

(C) Current monthly income, the amounts specified in section 707(b)(2), and, in a case under chapter 13 of Title 11 of the United States Code, disposable income (determined in accordance with section 707(b)(2), are required to be stated after reasonable inquiry.

(D) Information that you provide during your case may be audited pursuant to Title 11 of the United States Code, and failure to provide such information may result in dismissal of the case or other sanctions, including a criminal sanction.

o    How to value assets at replacement value:

Replacement value under 11 USC 506(2) means the value determined based on the replacement value of such property as of the date of the filing of the petition without deduction for costs of sale or marketing.

With respect to property acquired for personal, family or household purposes, replacement value shall mean the price a retail merchant would charge for property of that kind considering the age and condition of the property at the time value is determined.

o    How to determine current monthly income:

Your current monthly income includes all income you have received from any source in the last 6 months. This includes wages, salary, tips, bonuses, overtime, commissions, income from operation of a business, profession or farm, rents and real property income, interest, dividends, royalties, unemployment, pension and retirement income. Income also includes regular contributions to your household expenses, including from a child, roommate or spouse. Income includes income from any other source not listed above.

Date_________________       Debtor___________________________________

Date_________________       Debtor ___________________________________

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