CHAPTER 12 ANNUAL BUDGET

	                             January 1, 1998 - December 31, 1998



NAME: ____________________________________

DATE: ____________________________________





	                               I.  SUMMARY OF NECESSARY EXPENSES

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change  



NECESSARY EXPENSES:

 *1. Employee Expenses................................ _______   _______   _______   _______

 *2. Office Rent...................................... _______   _______   _______   _______

 *3. Utilities (if not included in rent).............. _______   _______   _______   _______

 *4. Bookkeeping and Accounting Services.............. _______   _______   _______   _______

 *5. Computer Services................................ _______   _______   _______   _______

  6. Audit Services................................... _______   _______   _______   _______

 *7. Consulting Services.............................. _______   _______   _______   _______

  8. Telephone........................................ _______   _______   _______   _______

  9. Postage.......................................... _______   _______   _______   _______

 10. Office Supplies.................................. _______   _______   _______   _______

*11. Bond Premiums.................................... _______   _______   _______   _______

 12. Clerk Fees (not under plans)..................... _______   _______   _______   _______

 13. Dues to Professional Organizations............... _______   __N/A__   __N/A__   __N/A__

*14. Publications and On-Line Services................ _______   _______   _______   _______

*15. Insurance, other than Employment Related......... _______   _______   _______   _______

 16. Training (See Instructions)...................... _______   _______   _______   _______

*17. Maintenance and Service Agreements............... _______   _______   _______   _______

 18. Photocopy Services or Transcripts................ _______   _______   _______   _______

*19. Travel........................................... _______   _______   _______   _______

*20. Equipment/Furniture Rental....................... _______   _______   _______   _______

*21. Equipment/Furniture Purchases.................... _______   _______   _______   _______

 22. Leasehold Improvements........................... _______   _______   _______   _______	

*23. Other expenses (list):

______________________________________________________ _______   _______   _______   _______

______________________________________________________ _______   _______   _______   _______

______________________________________________________ _______   _______   _______   _______

______________________________________________________ _______   _______   _______   _______

______________________________________________________ _______   _______   _______   _______

______________________________________________________ _______   _______   _______   _______

TOTAL Necessary Expenses.............................. _______   _______   _______   _______





                                 II.  YEARLY SUPPORTING ESTIMATES

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

  1. Employee expenses1:

     A. Salaries (including amounts withheld)......... _______   _______   _______   _______

     B. Overtime...................................... _______   _______   _______   _______

     C. Bonuses....................................... _______   _______   _______   _______

     D. Employer's Contribution ...................... _______   _______   _______   _______

     E. Employee Benefits

	  1.  Total Health Insurance.................. _______   _______   _______   _______

	  2.  Total Life Insurance.................... _______   _______   _______   _______

	  3.  Total Other Insurance................... _______   _______   _______   _______

	  4.  Total Retirement........................ _______   _______   _______   _______

	  5.  Total Parking........................... _______   _______   _______   _______

	  6.  Total Other Benefits.................... _______   _______   _______   _______

	      TOTAL Benefits.......................... _______   _______   _______   _______

TOTAL Employee Expenses............................... _______   _______   _______   _______



  2. Rent:

     A. Total Square Footage Leased (Office Space).... _______   _______   _______   _______

     B. Sq Ft Apportioned to Ch. 12 Opr (Office Space) _______   _______   _______   _______

     C. $ Amount Paid Per Square Foot (Office Space).. _______   _______   _______   _______

     D. $ Amount Office Space......................... _______   _______   _______   _______

     E. $ Amount Off-Site Storage..................... _______   _______   _______   _______

TOTAL Rent............................................ _______   _______   _______   _______

	Is Chapter 12 Operation renting from a related party?  (YES\NO) _________

	If yes, identify party ______________________



  3. Utilities (if not included in rent):

     A. Electricity................................... _______   _______   _______   _______

     B. Gas........................................... _______   _______   _______   _______

     C. Water......................................... _______   _______   _______   _______

TOTAL Utilities....................................... _______   _______   _______   _______

	



			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

  4. Bookkeeping and Accounting Services:

     A. From Third Parties:

        1) vendor name and type of service............

           ___________________________________________ _______   _______   _______   _______

        2) vendor name and type of service............

           ___________________________________________ _______   _______   _______   _______

     B. From Standing Trustee or Related Party:

        1) vendor name and type of service............

           ___________________________________________ _______   _______   _______   _______

        2) vendor name and type of service............

           ___________________________________________ _______   _______   _______   _______



TOTAL Bookkeeping and Accounting Services............. _______   _______   _______   _______



  5. Computer Services:

     A. Vendor name...................................

        ______________________________________________ _______   _______   _______   _______

     B. Vendor name...................................

        ______________________________________________ _______   _______   _______   _______

TOTAL Computer Services............................... _______   _______   _______   _______

	

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

  7. Consulting Services:  

     (This does not authorize payment of expenses incurred for the defense or settlement of 

     claims made or actions brought against the trustee personally.)



     A. From Third Parties:

        1) Consultant name and area of expertise......

           ___________________________________________ _______   _______   _______   _______

        2) Consultant name and area of expertise......

           ___________________________________________ _______   _______   _______   _______

     B. From Related Party:

        1) Consultant name and area of expertise......

           ___________________________________________ _______   _______   _______   _______

        2) Consultant name and area of expertise......

           ___________________________________________ _______   _______   _______   _______



TOTAL Consulting Services............................. _______   _______   _______   _______



 11. Bond Premiums:

     A. For Standing Trustee.......................... _______   _______   _______   _______

     B. For Staff..................................... _______   _______   _______   _______



TOTAL Bond Premiums................................... _______   _______   _______   _______



 14. Publications and On-Line Services:

     A. (name)........................................ _______   _______   _______   _______

     B. (name)........................................ _______   _______   _______   _______

     C. (etc.)........................................ _______   _______   _______   _______



TOTAL Publications and On-Line Services............... _______   _______   _______   _______

	

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

 15. Insurance, other than Employee Benefits:

     A. Errors and Omissions insurance (insurer name). _______   _______   _______   _______

        ______________________________________________                                                                                    

     B. (insurer name and type of insurance).......... _______   _______   _______   _______

        ______________________________________________                                                

     C. (insurer name and type of insurance).......... _______   _______   _______   _______

        ______________________________________________                                               

     D. (etc.)........................................ _______   _______   _______   _______



TOTAL Insurance....................................... _______   _______   _______   _______



 16. Training (See Instructions):

     A. (training attended)........................... _______   _______   _______   _______

     B. (training attended)........................... _______   _______   _______   _______

     C. (etc.)........................................ _______   _______   _______   _______



TOTAL Training Expenses............................... _______   _______   _______   _______



 17. Maintenance and Service Agreements:

     A. (item)........................................ _______   _______   _______   _______

     B. (item)........................................ _______   _______   _______   _______

     C. (etc.)........................................ _______   _______   _______   _______



TOTAL Maintenance and Service Agreements.............. _______   _______   _______   _______



 19. Travel:

     A. Transportation................................ _______   _______   _______   _______

     B. Lodging....................................... _______   _______   _______   _______

     C. Meals......................................... _______   _______   _______   _______

     D. Other (list).................................. _______   _______   _______   _______



TOTAL Travel.......................................... _______   _______   _______   _______

	

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

 20. Equipment/Furniture Rentals:

     A. From Third Parties:

        1) Business equipment......................... _______   _______   _______   _______

        2) Computer equipment......................... _______   _______   _______   _______

        3) Furniture.................................. _______   _______   _______   _______

        4) Other rental (list)........................ _______   _______   _______   _______



     B. From Standing Trustee or Related Party:

        1) Business equipment......................... _______   _______   _______   _______

        2) Computer equipment......................... _______   _______   _______   _______

        3) Furniture.................................. _______   _______   _______   _______

        4) Other rental (list)........................ _______   _______   _______   _______



TOTAL Equipment/Furniture Rentals..................... _______   _______   _______   _______

	

 21. Equipment/Furniture Purchases:

     A. Business equipment............................ _______   _______   _______   _______

     B. Computer equipment............................ _______   _______   _______   _______

     C. Furniture..................................... _______   _______   _______   _______

     D. Other (specify)............................... _______   _______   _______   _______



TOTAL Equipment/Furniture Purchases................... _______   _______   _______   _______



 23. All other Expenses(specify third or related party):

     A. (item)........................................ _______   _______   _______   _______

     B. (item)........................................ _______   _______   _______   _______

     C. (item)........................................ _______   _______   _______   _______

     D. (etc.)........................................ _______   _______   _______   _______



TOTAL All other Expenses.............................. _______   _______   _______   _______

	



                                 III.  DETAIL OF PERSONNEL EXPENSE2 

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

 #1 Employee Name & Position:_________________________

    If hired in CY 97 or CY 98,

    give month and year of hire_______________________

    Salary (including amounts withheld)............... _______   _______   _______   _______

    Overtime, if applicable........................... _______   _______   _______   _______

    Bonus............................................. _______   _______   _______   _______

    Employer's Contribution (payroll, social security) _______   _______   _______   _______

    Employee Benefits (list):

        Health Insurance

            (circle: family or indiv.)................ _______   _______   _______   _______

        Life Insurance................................ _______   _______   _______   _______

    	  Other Insurance 

            (e.g., vision) identify___________________ _______   _______   _______   _______

                    __________________________________ _______   _______   _______   _______

        Retirement.................................... _______   _______   _______   _______

        Parking....................................... _______   _______   _______   _______

        Other Benefits (identify)_____________________ _______   _______   _______   _______

                    __________________________________ _______   _______   _______   _______

                    __________________________________ _______   _______   _______   _______

TOTAL Employee Expense................................ _______   _______   _______   _______



    Average number of hours/week...................... _______   _______   _______   _______

    Hourly Salary - Beginning of Year3................ _______   _______   _______   _______

    Hourly Salary - End of Year3...................... _______   _______   _______   _______

    Average hourly TOTAL Employee Expense............. _______   _______   _______   _______





			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

 #2 Employee Name & Position:________________________

     If hired in CY 97 or CY 98,

     give month and year of hire_____________________

    Salary (including amounts withheld)............... _______   _______   _______   _______

    Overtime, if applicable........................... _______   _______   _______   _______

    Bonus............................................. _______   _______   _______   _______

    Employer's Contribution (payroll, social security) _______   _______   _______   _______

    Employee Benefits (list):

    	   Health Insurance 

            (circle: family or indiv.)................ _______   _______   _______   _______

        Life Insurance................................ _______   _______   _______   _______

    	  Other Insurance 

            (e.g., vision) identify__________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______

        Retirement...................................  _______   _______   _______   _______

        Parking......................................  _______   _______   _______   _______

        Other Benefits (identify)____________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______



TOTAL Employee Expense................................ _______   _______   _______   _______



    Average number of hours/week...................... _______   _______   _______   _______

    Hourly Salary - Beginning of Year................. _______   _______   _______   _______

    Hourly Salary - End of Year....................... _______   _______   _______   _______

    Average hourly TOTAL Employee Expense............. _______   _______   _______   _______

 	



			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

 #3 Employee Name & Position:________________________

     If hired in CY 97 or CY 98,

     give month and year of hire_____________________

    Salary (including amounts withheld)............... _______   _______   _______   _______

    Overtime, if applicable........................... _______   _______   _______   _______

    Bonus............................................. _______   _______   _______   _______

    Employer's Contribution (payroll, social security) _______   _______   _______   _______

    Employee Benefits (list):

    	   Health Insurance 

            (circle: family or indiv.)................ _______   _______   _______   _______

        Life Insurance................................ _______   _______   _______   _______

    	  Other Insurance 

            (e.g., vision) identify__________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______

        Retirement...................................  _______   _______   _______   _______

        Parking......................................  _______   _______   _______   _______

        Other Benefits (identify)____________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______



TOTAL Employee Expense................................ _______   _______   _______   _______



    Average number of hours/week...................... _______   _______   _______   _______

    Hourly Salary - Beginning of Year................. _______   _______   _______   _______

    Hourly Salary - End of Year....................... _______   _______   _______   _______

    Average hourly TOTAL Employee Expense............. _______   _______   _______   _______

	

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

 #4 Employee Name & Position:________________________

     If hired in CY 97 or CY 98,

     give month and year of hire_____________________

    Salary (including amounts withheld)............... _______   _______   _______   _______

    Overtime, if applicable........................... _______   _______   _______   _______

    Bonus............................................. _______   _______   _______   _______

    Employer's Contribution (payroll, social security) _______   _______   _______   _______

    Employee Benefits (list):

    	   Health Insurance 

            (circle: family or indiv.)................ _______   _______   _______   _______

        Life Insurance................................ _______   _______   _______   _______

    	  Other Insurance 

            (e.g., vision) identify__________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______

        Retirement...................................  _______   _______   _______   _______

        Parking......................................  _______   _______   _______   _______

        Other Benefits (identify)____________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______

                    _________________________________  _______   _______   _______   _______



TOTAL Employee Expense................................ _______   _______   _______   _______



    Average number of hours/week...................... _______   _______   _______   _______

    Hourly Salary - Beginning of Year................. _______   _______   _______   _______

    Hourly Salary - End of Year....................... _______   _______   _______   _______

    Average hourly TOTAL Employee Expense............. _______   _______   _______   _______

	

			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

Total Employee Expense Per Employee:

Employee #1  (Name&position).......................... _______   _______   _______   _______

Employee #2  (Name&position).......................... _______   _______   _______   _______

Employee #3  (Name&position).......................... _______   _______   _______   _______

Employee #4  (Name&position).......................... _______   _______   _______   _______

Employee #5  (Name&position).......................... _______   _______   _______   _______

Employee #6  (Name&position).......................... _______   _______   _______   _______

Employee #7  (Name&position).......................... _______   _______   _______   _______

Employee #8  (Name&position).......................... _______   _______   _______   _______

Employee #9  (Name&position).......................... _______   _______   _______   _______

Employee #10 (Name&position).......................... _______   _______   _______   _______

Employee #11 (Name&position).......................... _______   _______   _______   _______

Employee #12 (Name&position).......................... _______   _______   _______   _______

Employee #13 (Name&position).......................... _______   _______   _______   _______

Employee #14 (Name&position).......................... _______   _______   _______   _______

Employee #15 (Name&position).......................... _______   _______   _______   _______

Bonus Funds........................................... _______   _______   _______   _______



TOTAL All Employees................................... _______   _______   _______   _______





NOTE:  Attach written job description for each employee listed above, if position is new 

or responsibilities have changed.







	                      IV.  YEARLY ALLOCATED EXPENSE EXHIBIT4 



			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

Item and Justification for Allocation:

1.  Expense Item: ____________________________________

    Total Cost ....................................... _______   _______   _______   _______

    Cost Allocated to Ch. 12 Operations .............. _______   _______   _______   _______

    Allocation Percentage (identify other party):

    __________________________________________________

    Justification for Allocation: ____________________



2.  Expense Item: ____________________________________

    Total Cost ....................................... _______   _______   _______   _______

    Cost Allocated to Ch. 12 Operations .............. _______   _______   _______   _______

    Allocation Percentage (identify other party):

    __________________________________________________

    Justification for Allocation: ____________________



3.  Expense Item: ____________________________________

    Total Cost ....................................... _______   _______   _______   _______

    Cost Allocated to Ch. 12 Operations .............. _______   _______   _______   _______

    Allocation Percentage (identify other party):

    __________________________________________________

    Justification for Allocation: ____________________



4.  Expense Item: ____________________________________

    Total Cost ....................................... _______   _______   _______   _______

    Cost Allocated to Ch. 12 Operations .............. _______   _______   _______   _______

    Allocation Percentage (identify other party):

    __________________________________________________

    Justification for Allocation: ____________________





	                                   V.  WORKLOAD EXHIBIT



			                                                           CY 98-CY 97

                                                        CY 96    CY 97     CY 98    Percentage

                                                       Actual   Full-year  Budget     Change

1.  a) Receipts, actual or estimate, net of refunds

       (exclude constructive receipts)................ _______   _______   _______   _______

    b) Disbursements subject to percentage fee, 

	  actual or estimate, (exclude

       constructive disbursements)..................... _______   _______   _______   _______

    c) Interest earned on trust and expense funds,

       actual or estimate.............................. _______   _______   _______   _______

    d) Revenue from awards under §503(b)............... _______   _______   _______   _______



2.  a) Average percentage fee, actual or requested..... ______%   ______%   ______%

    b) Revenue from perct. fees (Item 1(b) x Item 2(a)) $______   $______   $______

    c) Revenue from fees on direct payments............ $______   $______   $______



3.  Cases active, start of period...................... _______   _______   _______



4.  New cases filed during year (+).................... _______   _______   _______



5.  Adjustments during year:

    a) Cases transferred in (+)........................ _______   _______   _______

    b) Cases converted from another chapter (+)........ _______   _______   _______

    c) Cases transferred out (-)....................... _______   _______   _______

    d) Conversions to another chapter (-).............. _______   _______   _______

    e) Dismissals (-).................................. _______   _______   _______

    Total adjustment (+) or (-)........................ _______   _______   _______



6.  Cases closed by the Court on completion of the plan 

    or hardship discharge (-).......................... _______   _______   _______   _______



7.  Cases active, end of period (3+4+5-6).............. _______   _______   _______   _______



NOTE:  The entry for "Cases active, end of period" should be carried forward as the 

       number of "Cases active, start of period" in the next calendar year.



 

	                                 VI.  BOND CALCULATION 







                       (1) CY 97       (2) CY 97        (3) CY 98        (4) CY 98

                           Monthly         Highest          Monthly          Estimate

                           Receipts        Daily Total      Receipts         Highest

                           Full Year       Bank             Full Year        Daily Total

                           Estimate        Balance          Estimate         Bank Balances





January                   __________       __________       __________       __________

February                  __________       __________       __________       __________

March                     __________       __________       __________       __________

April                     __________       __________       __________       __________

May                       __________       __________       __________       __________

June                      __________       __________       __________       __________

July                      __________       __________       __________       __________

August                    __________       __________       __________       __________

September                 __________       __________       __________       __________

October                   __________       __________       __________       __________

November                  __________       __________       __________       __________

December                  __________       __________       __________       __________



TOTAL

Same as Item V(1)(a)      __________                        __________



Upcoming Year Estimate

Highest Daily Total Bank Balance ____________________ x 110%____________________

		                 		                        Bond Required



NOTE:  Upcoming Year Bond Calculation is Based on the Highest Daily Total Bank Balance Listed in Column         

      (4) x 110%







	       VII. COMPUTATION OF AMOUNT AVAILABLE FOR COMPENSATION AND OPERATING RESERVE



1. End-of-year CY 97 Operating Reserve                                       ____________________

   [should equal estimated expense account balance at end of CY 97]



2. Interest earned on trust and expense funds [same as V.1(c)]               ____________________



3. Revenue from awards under §503(b) [same as V.1(d)]                        ____________________



4. Revenue from percentage fees [same as V.2(b)]                             ____________________



5. Revenue from fees on direct payments [same as V.2(c)]                     ____________________



6. Total revenue [1+2+3+4+5]                                                 ____________________



7. Less Total Necessary Expenses [same as total of I. on Page 2]             ____________________



8. Balance of funds available for compensation (inclusive of 

	20% in benefits) and operating reserve  [6-7]                        ____________________

   NOTE: Entries for lines 2-8 reflect numbers for upcoming year 



	STANDING TRUSTEE'S CERTIFICATION TO BUDGET REQUEST



     I hereby certify that the information contained herein is correct, and request that this annual 

budget be examined and reviewed by the United States Trustee.





				                            ________________________________________

				                            CHAPTER 12 STANDING TRUSTEE'S SIGNATURE

REVIEWED BY:





__________________________________

United States Trustee







* These entries require additional detail on the "Yearly Supporting Estimates" and "Detail

of Personnel Expense" exhibits.  The line item totals from these exhibits should tie to the

"Summary of Necessary Expenses".

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1 Payment of payroll taxes and benefits for trustees are not allowable expense          

items.

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2 Identify by marking with an "*" each employee who is related (by blood or                   

marriage) to the trustee or to another trustee employee and describe the                    

relationship.  Also for any retirement plan(s) in effect, define contribution               

formula.     	

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3 For CY 96, enter either average hourly salary for the year or the beginning an 

ending hourly salaries.

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4 Examples of "Justification for Allocation" are hours worked, square footage, 

number of employees.

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