questions

A. Your Chapter 13 Trustee and how to contact his office:

Jan P. Johnson is your Chapter 13 Trustee. His office phone hours are 9:00 a.m. to 3:00 p.m., Monday through
Thursday and 9:00 a.m. to 11:30 a.m. and 12:00 p.m. to 3:00 p.m. on Friday. Mr. Johnson has a very busy
schedule and is unable to answer your calls directly in most cases. He has a trained staff to answer all your
questions during the previously mentioned phone hours. Please do not leave a message. Due to the high
volume of calls, the office staff is unable to return them. Please direct all your calls to (916) 492-8001 from 10:00
a.m. to 3:00 p.m., Monday through Thursday and 10:00 a.m. to 11:30 a.m. and 12:00 to 3:00 on Friday. Please
note that the Trustee's phones will be turned off on the last two business days of each month in order to
disburse checks to creditors. Please do not call the Trustee on these designated disbursement days.

Mr. Johnson's office is open from 9:00 a.m. to 3:00 p.m., Monday through Thursday and 9:00 a.m. to
11:30 a.m. and 12:00 to 3:00 on Friday. It is located at 2535 Capitol Oaks Dr., Suite 100 Sacramento, California
95833. Please do not send mail to the physical address. The following addresses are for correspondence and
payments:

Correspondence Address:

Jan P. Johnson, Trustee

P.O. Box 1708

Sacramento, Ca. 95812

The Chapter 13 Trustee has a website that allows access to information about your case. You may
access the website at www.13network.com. If you find any inaccurate information on the website, you are
encouraged to contact your attorney and your Trustee's office immediately.

Jan P. Johnson has his own website at www.jpj13trustee.com that offers more detailed information about his
office in general. Your Trustee encourages you to visit both websites.

B. Personal Financial Management:

There are several websites that contain helpful information on personal financial management.
www.edgate.com can be accessed in English or Spanish. This network provides resources to more than 12,000
schools and five million students, including materials, lesson quizzes, interactive calculators, online games and
videos. Another excellent site sponsored by VISA is www.moneychoices.com, or in Spanish
www.opcionesmonetarias.com. This site provides a certificate of completion.

C. If you have a legal question:

The Trustee and his staff cannot give legal advice. All legal questions concerning your case, a creditor, your
rights, your options, correspondence you receive, or changes in your situation should be directed to your
attorney.

Your attorney must continue to represent you as long as your case is active or until a Judge permits him/her to
withdraw from your case.

D.Your Plan payments:

All payments are due on the 25th of each month. There is no grace period. Your first payment is due on the
25th of the month following the date your petition was filed.

A wage order is the court ordered deduction of your plan payment directly from your paycheck. While at your
first meeting of creditors, the Trustee or his representative will either waive a wage order, or will note that one
will be forthcoming. This means that if a wage order has been waived, you are responsible for sending a
money order or cashier's check to the previously noted payment address due on the 25th of each month until
the completion of your plan. Please make payable to 'Chapter 13 Trustee' and make certain that you attach the
sticker given to you at your first meeting of creditors directly to the front of the money order or cashier's
check. It is important to write your name, social security number and to use your case number sticker on every
payment. Keep your receipt for every payment you make to the Trustee.

If a wage order is not waived, you and your attorney are responsible for providing

a completed wage order form to the Trustee's office immediately. However, the wage order will not be
implemented until your case is confirmed. This may take several months to occur, during which time, you are
responsible for sending a money order or cashier's check to the previously noted payment address due on the
25th of each month. In order to find out if your wage order has been implemented, you should keep in close
contact with your attorney to determine if your case has been confirmed. You may want to ask your employer
to notify you as soon as they have received the wage order. Until the order is implemented, you must continue
to mail payments to the Trustee. Double payments may occur if you have recently mailed in a plan payment
and your employer has implemented the wage order in the same month. The Trustee cannot return any
payments made in error because of a lack of communication between you and your employer regarding your
wage order implementation date. If you find that you have made a double payment, you do not need to make
an additional payment the following month. You are urged to closely monitor your wage order.

If you have a wage order implemented and you change employers, it is your responsibility to make
payments directly to the Trustee's office. The payment should be made with a money order or cashiers check
until the wage order can be implemented with your new employer's address and information.

The Trustee also provides you with the opportunity to make your plan payment via a direct deposit
from your online bank account to the Trustee's bank. The form needed to initiate this type of payment is
available at the Trustee's office. Please note that you are responsible to make certain your direct deposit
amount is the correct amount of your plan payment. If, during the length of your plan, your payment amount
changes you must make the necessary arrangements with your bank.

If your mortgage is delinquent when you filed the petition, then your regular on-going mortgage payments
must be made to the trustee who will make these payments for you. You are required to make the FIRST
mortgage payment to the lender yourself and then all future payments to the trustee starting on the 25th of the
month following the filing of your petition.

If any payment is missed, the trustee may ask the court to dismiss your case. If your payment is late
(received after the 25th) to the trustee, you must include your late fee charges in your payment to the trustee.

E. Your Annual Report:

Each February that you are in your Chapter 13 plan, you will receive a statement showing all the payments you
have made to your Trustee and payments your Trustee has made to creditors on your behalf for the prior
calendar year. If you note any discrepancies in the accounting of your payments, please notify the Trustee's
office or your attorney immediately.

F.Your mortgage payment:

If your mortgage payment was not delinquent when you filed the petition, then your regular on-going
mortgage payment is paid as usual to your creditor directly. It is of the utmost importance that you continue
to make your mortgage payments in a timely manner if they are not being paid through your plan.

You also must maintain adequate insurance on your home and keep your property taxes up to date if these
costs are not included in your mortgage payment. Failure to do either could result in your losing your home to
foreclosure.

G. Your current address:

The Trustee must have your current address at all times in order to mail important documents
throughout the life of your plan. The Trustee must also have your current telephone number as well. Please
notify the Trustee's office and your attorney in writing of any changes in your address or telephone number.

H. Notice of Filed Claims:

Seven months after your case is filed, the Trustee produces a Notice of Filed Claims. This notice is sent to you
and your attorney in the seventh month of your case. It is of the utmost importance that you thoroughly
review the report with your attorney for the following reasons:

1. If a creditor did not file a claim they will not be paid. You may want to file a claim on behalf of a particular
creditor.

2. If you disagree with the amount or classification of a filed claim you may have the right to object to the
claim.

3. If there are any claims filed by creditors that were not originally provided for in your plan, you must take the
necessary action to properly provide for the claim or the effected creditor will not receive a distribution.

All three of the above situations must be resolved through your attorney. The Trustee cannot
resolve any of the above situations. The Trustee's office can alert you to the existence of a particular situation
but the action necessary to correct the situation can only be initiated by you or your attorney.

I. The length of your plan:

Upon entering a Chapter 13 plan, it is difficult to determine the exact duration of your plan. It is rare
for a plan to last exactly the same number of months as the original projected length. A creditor may file a claim
for a larger than anticipated amount or a forgotten creditor may need to be added to your plan. In both
instances your plan may need to be extended to accommodate the increased amount owed to your creditors.
On the other hand, some creditors may file a claim lower than the originally anticipated amount. This does not
necessarily mean your plan will complete quicker than your originally scheduled plan length. If your plan is
scheduled to pay 100% to your general unsecured creditors, and a filed claim is lower than previously
anticipated, you may complete your plan quicker than previously thought. However, if you are paying any
amount less than 100% to your general unsecured creditors, and a filed claim is lower than previously
anticipated, you must continue your plan out to the last originally scheduled month. In this event, the Trustee
will disburse as much money as possible to your general unsecured creditors.

J.If you want to pay-off your bankruptcy early:

If you want to pay-off your case early, you must contact your attorney. Your attorney may submit a motion to
the court and set a hearing date for the matter to go before a bankruptcy judge who will issue a final order
regarding your request. If you attempt to pay-off your case prior to the thirty-sixth month, please be advised
that your Trustee will request that you pay 100% to your general unsecured creditors regardless of the percent
noted in your confirmed plan.

SECTION IV

YOU AND YOUR CREDITORS

A. Will your creditors continue to call?

All the creditors in your plan are under an automatic stay, which prohibits them from contacting you.
In the event you are contacted, you may refer them to your attorney and give them your Chapter 13 case
number and Trustee's name.

B. What to do if you forgot to list a creditor.

Immediately contact your attorney if you forgot to list a creditor on your original documents. You
must file amended documents to add the forgotten creditor.

C.How and when will your creditors be paid?

Your payments to the Trustee are used to pay your creditors, your attorney (if all his/her fees were
not paid up front) and your Trustee fees. Creditors fall into three basic categories: secured, priority, and
general unsecured. Generally, the Trustee pays your attorney and all secured creditors first, then your priority
creditors, and finally your general unsecured creditors. The Trustee takes a small percentage based fee upon
each disbursement.

Confirmation is the approval of the terms of your plan by your Trustee. Disbursements to your creditors will
not begin until your case is confirmed. If your Trustee or a creditor objects to your proposed plan, the matter
may be heard by a bankruptcy judge who will make the final decision regarding the objection. Prior to the
confirmation of your case, all of the money you pay into the plan is held in trust. If you are unable to confirm
your plan, your case cannot go forward. You may be given a chance to revise your plan to meet the concerns
of the opposing parties. If you are unable to do so, your case will be dismissed. See section V, part D,
regarding the dismissal of a case.

FREQUENTLY ASKED QUESTIONS

A. What do I do if I need to refinance or purchase a vehicle or home while I am

in my Chapter 13?

We understand that things happen and the law permits, under certain circumstances, use of credit
while in a chapter 13. If you need to refinance or purchase a vehicle or any other item using credit during the
duration of your bankruptcy, you must contact your attorney immediately. Your attorney must determine
whether or not your request complies with local rules and guidelines and submit the appropriate motion and
supporting documents to the Trustee and/or court for a bankruptcy judge's approval. Pursuing credit in excess
of $1000.00 without court permission may jeopardize your Chapter 13 case and could lead to a dismissal of
your case.

B. May I sell my property while I am in my Chapter 13?

All your property, almost without exception, is considered part of your bankruptcy estate. You
cannot sell any major part of your estate without permission from the court. Your attorney must submit the
appropriate motion and supporting documents to the Trustee and/or the court for a bankruptcy judge's
approval.

C. What do I do if I get behind in my plan payments?

If you become delinquent in your plan payments, contact your attorney immediately. Please do not
call the Trustee's office. The Trustee cannot make arrangements with you regarding the delinquent payments.
If you will not be able to cure the delinquency you have incurred, your attorney may submit a motion to
modify your plan to the court, and set a hearing date for the matter to go before a bankruptcy judge.

D. What happens if I receive a motion to dismiss my case?

The Trustee may set a hearing for a motion to dismiss your case for many reasons. If you become
delinquent in your plan payments, or fail to cooperate with the Trustee's office in any number of ways, you
may receive a notice in the mail to appear before a bankruptcy judge.

Immediately call your attorney if you receive a notice of a motion to dismiss. It is imperative that you
address the matter quickly in order to avoid a dismissal of your bankruptcy.

E. What does it mean if my case is dismissed?

If your case is dismissed, you will no longer be protected from your creditors by the automatic stay. The stay
will be lifted, and your creditors will resume recovery procedures of the debts owed to them. Your creditors
may add interest and penalties to the amount owed to them that were waived while your Chapter 13 plan was
active.

If your case is dismissed prior to confirmation, the Trustee is entitled to fees incurred in the administration of
your case. Your attorney may also be entitled to fees. Any allowed fees will be paid from the money you paid
to the Trustee for your plan. Any remaining funds, after the previously mentioned allowed fees are paid, will
be returned to you upon the closing of your case.

F. What happens to debts I owe that are not paid-in-full during my bankruptcy?

During your bankruptcy, your unsecured creditors may not receive the entire amount originally owed
to them. Any remaining amounts owed to your unsecured creditors at the end of your bankruptcy will be
"discharged" or legally forgiven upon the completion of your case unless they are non-dischargeable.
Creditors with dischargeable debts cannot resume collection against you on these debts.

Some debts in your plan may not be discharged unless you have paid them in full. Student loans,
child support obligations, and fines incurred by your causing injury to others while under the influence of
alcohol or drugs are all non-dischargeable debts. Please consult your attorney for further information on non-
dischargeable debts.

G. What happens when I am in the last scheduled month of my plan?

Please refer to section III, part I, regarding your plan length. When you believe you have reached
what was originally scheduled to be your last month in the plan, you should expect the following:

1)When calling the Trustee's office to confirm the status of your case, you will be told one of two
things:

A. Your case appears to be paid-in-full. However, a thorough audit must be completed before the case is
closed & a discharge is entered.

B. Please continue to make your plan payment until the audit has been completed on your case.

2) The Trustee is responsible for the accounting in your case, and he must take the time necessary to make
certain it is accurate. This may cause a slight delay in the closing of your case. You may be advised to make
additional payments to the Trustee's office until the auditing of your case is complete. If you have a wage
order in effect, it may not stop until the Trustee's accounting of your case has been completed. Your attorney
will notify your employer in writing to stop your payroll deduction. If you over-pay the Trustee, the money will
be returned to you as soon as possible.

If you have further questions regarding the completion of your case, please contact your attorney.

H. What will happen when my Plan is complete?

When the Trustee has verified that all your creditors have been paid according to the terms of your
confirmed plan and that all checks issued in the case have been cashed, he will submit a Trustee's Final Report
and Account to the court with copies forwarded to you and your attorney, Internal Revenue Service,
Franchise Tax Board and 3 major credit reporting agencies. Creditors will receive a Summary of Trustee's Final
Report and Account. This process could take four to six months from receipt of your last payment to receipt of
your discharge. Every document you receive during the course of your bankruptcy is important, but the
Trustee's Final Report and Accounting and your Discharge are the most important. Keep them for your
records as proof of your discharge from Chapter 13. In order to obtain credit after your bankruptcy is
discharged, some companies may require a copy of your discharge and final report.