{"id":"court_ctb_2_0","court":"CTB","case_no":"22-50073","doc_number":2,"sub_number":0,"doc_type":"PETITION","filed_date":null,"title":"B 1D (Official Form 1, Exhibit D) (12/09) UNITED STATES BANKRUPTCY COURT","summary_zh":null,"summary_en":null,"body_en":"B 1D (Official Form 1, Exhibit D) (12/09)\n\n## UNITED STATES BANKRUPTCY COURT\n\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ District of \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ District of Connecticut\n\nHo Wan Kwok\n\nIn re\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ Case No.\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ Debtor (if known) 22-50073\n\n## **EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH CREDIT COUNSELING REQUIREMENT**\n\n**Warning: You must be able to check truthfully one of the five statements regarding credit counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your creditors will be able to resume collection activities against you. If your case is dismissed and you file another bankruptcy case later, you may be required to pay a second filing fee and you may have to take extra steps to stop creditors' collection activities.**\n\n*Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.*\n\nu 1. Within the 180 days **before the filing of my bankruptcy case**, I received a briefing from a credit counseling agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have a certificate from the agency describing the services provided to me. *Attach a copy of the certificate and a copy of any debt repayment plan developed through the agency.* ✔\n\nu 2. Within the 180 days **before the filing of my bankruptcy case**, I received a briefing from a credit counseling agency approved by the United States trustee or bankruptcy administrator that outlined the opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do not have a certificate from the agency describing the services provided to me. *You must file a copy of a certificate from the agency describing the services provided to you and a copy of any debt repayment plan developed through the agency no later than 14 days after your bankruptcy case is filed.*\n\nB 1D (Official Form 1, Exh. D) (12/09) – Cont. Page 2\n\nu 3. I certify that I requested credit counseling services from an approved agency but was unable to obtain the services during the seven days from the time I made my request, and the following exigent circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case now. *[Summarize exigent circumstances here.]*\n\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n**If your certification is satisfactory to the court, you must still obtain the credit counseling briefing within the first 30 days after you file your bankruptcy petition and promptly file a certificate from the agency that provided the counseling, together with a copy of any debt management plan developed through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days. Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy case without first receiving a credit counseling briefing.**\n\nu 4. I am not required to receive a credit counseling briefing because of: *[Check the applicable statement.] [Must be accompanied by a motion for determination by the court.]*\n\nu Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or mental deficiency so as to be incapable of realizing and making rational decisions with respect to financial responsibilities.);\n\nu Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or through the Internet.);\n\nu Active military duty in a military combat zone.\n\nu 5. The United States trustee or bankruptcy administrator has determined that the credit counseling requirement of 11 U.S.C. ' 109(h) does not apply in this district**.**\n\n**I certify under penalty of perjury that the information provided above is true and correct.**\n\n> Signature of Debtor: \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ /s/ Ho Wan Kwok\n\nDate: \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 02/15/2022\n\n![](_page_2_Picture_1.jpeg)\n\n## **CERTIFICATE OF COUNSELING**\n\nI CERTIFY that on February 15, 2022, at 3:02 o'clock PM EST, Ho Wan Kwok received from 001 Debtorcc, Inc., an agency approved pursuant to 11 U.S.C. § 111 to provide credit counseling in the District of Connecticut, an individual [or group] briefing that complied with the provisions of 11 U.S.C. §§ 109(h) and 111.\n\nA 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.\n\nThis counseling session was conducted by internet.\n\nDate: February 15, 2022 By: /s/Akash Nayee\n\nName: Akash Nayee\n\nTitle: Counselor\n\n\\* 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).","body_zh":"B 1D（官方表格 1，附件 D）（12/09）\nUNITED STATES BANKRUPTCY COURT（美国破产法院）\n\n__________ District of __________ 康涅狄格区（District of Connecticut）\n\nHo Wan Kwok（郭文贵）\n\n关于________________________ 案号_____________ 债务人（如已知） 22-50073\n附件 D - 个人债务人关于遵守信用咨询要求的声明\n\n警告：您必须能够如实勾选下列关于信用咨询的五项声明之一。如果您无法做到这一点，您便没有资格提起破产案件，法院可以驳回您提起的任何案件。如果发生这种情况，您将损失已支付的任何申请费，并且您的债权人将能够恢复对您的追偿活动。如果您的案件被驳回而您之后又提起另一破产案件，您可能会被要求支付第二笔申请费，并且您可能必须采取额外措施来制止债权人的追偿活动。\n\n每位个人债务人都必须提交本附件 D。如果提起联合申请，夫妻双方必须各自填写并提交单独的附件 D。请勾选下列五项声明之一，并按指示随附任何文件。\n\n[ ] 1. 在提起我的破产案件之前的 180 天内，我接受了经 United States trustee（美国受托人）或破产管理人批准的信用咨询机构提供的简报，该简报概述了可获得的信用咨询机会并协助我进行了相关预算分析，且我持有该机构出具的说明向我提供之服务的证明书。随附一份证明书副本以及通过该机构制定的任何债务偿还计划副本。 ✔\n\n[ ] 2. 在提起我的破产案件之前的 180 天内，我接受了经美国受托人或破产管理人批准的信用咨询机构提供的简报，该简报概述了可获得的信用咨询机会并协助我进行了相关预算分析，但我没有该机构出具的说明向我提供之服务的证明书。您必须在提起破产案件后不迟于 14 天内，提交一份该机构出具的说明向您提供之服务的证明书副本以及通过该机构制定的任何债务偿还计划副本。\n\nB 1D（官方表格 1，附件 D）（12/09）– 续 第 2 页\n\n[ ] 3. 我证明我已向一家获批机构申请信用咨询服务，但在自提出申请之日起的七天内无法获得该服务，且下列紧急情况足以证明应予暂时免除信用咨询要求，以便我现在可以提起破产案件。[在此概述紧急情况。]\n\n_________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________ _________________________________________________________________________________\n\n如果您的证明令法院满意，您仍必须在提交破产申请后的前 30 天内获得信用咨询简报，并及时提交提供咨询的机构出具的证明书，连同通过该机构制定的任何债务管理计划副本。未能履行这些要求可能导致您的案件被驳回。对 30 天期限的任何延长只能基于正当理由获准，且最长限于 15 天。如果法院对您在未先接受信用咨询简报即提起破产案件的理由不满意，您的案件也可能会被驳回。\n\n[ ] 4. 由于以下原因，我不被要求接受信用咨询简报：[勾选适用声明。] [必须附有提请法院裁定的动议。]\n\n[ ] 丧失行为能力。（在 11 U.S.C. § 109(h)(4) 中定义为因精神疾病或精神缺陷而受损，以致无法意识到并就财务责任做出理性决定。）；\n\n[ ] 残疾。（在 11 U.S.C. § 109(h)(4) 中定义为身体受损达到在尽合理努力后仍无法亲自、通过电话或通过互联网参加信用咨询简报的程度。）；\n\n[ ] 在军事交战区服现役。\n\n[ ] 5. 美国受托人或破产管理人已认定 11 U.S.C. § 109(h) 的信用咨询要求不适用于本学区/司法区。\n\n我证明在受伪证罪处罚的前提下，上述提供的信息均属真实准确。\n\n债务人签名：______________________ /s/ Ho Wan Kwok\n\n日期：_________________ 02/15/2022\n咨询证明书\n\n我证明，于 2022年2月15日 美东时间下午 3:02，Ho Wan Kwok 从 001 Debtorcc, Inc.（一家根据 11 U.S.C. § 111 获准在康涅狄格区提供信用咨询的机构）处接受了符合 11 U.S.C. §§ 109(h) 和 111 规定的个人 [或团体] 简报。\n\n未制定债务偿还计划。如果制定了债务偿还计划，该债务偿还计划的副本将附于本证明书后。\n\n本次咨询会议通过互联网进行。\n\n日期：2022年2月15日 签署人：/s/Akash Nayee\n\n姓名：Akash Nayee\n\n职务：咨询师（Counselor）\n\n* 希望根据《美国破产法典》第 11 篇提起破产案件的个人，必须向美国破产法院提交一份由向该个人提供咨询服务的非营利预算和信用咨询机构出具的填写完毕的咨询证明书，以及通过该信用咨询机构制定的债务偿还计划（如有）副本。参见 11 U.S.C. §§ 109(h) 及 521(b)。","key_entities":["Kwok","Ho Wan Kwok","CIPA"],"ecf_references":[],"word_count":889,"status":"published","published_at":null,"created_at":null,"updated_at":"2026-08-23 12:39:32"}