tc personal bk statements

Rule 2016(b) (8/91) West Group, Rochester, NY

UNITED STATES BANKRUPTCY COURTWESTERN DISTRICT OF MISSOURI

In re Case No.ChapterTROY ALLEN COVEYdba Nehemiah Community Development, Inc.dba Urban Homes, LLCdba 2729 Campbell, LLC

06-419847

KENNETH P. EITEL, JR.Attorney for Debtor:/ Debtor

STATEMENT PURSUANT TO RULE 2016(B)The undersigned, pursuant to Rule 2016(b), Bankruptcy Rules, states that:1. The undersigned is the attorney for the debtor(s) in this case.2.

a)connection with this case . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $Prior to the filing of this statement, debtor(s) have paid . . . . . . . . . . . . . . . $The unpaid balance due and payable is . . . . . . . . . . . . . . . . . . . . . . . . . . . $

b)c)

The compensation paid or agreed to be paid by the debtor(s), to the undersigned is:For legal services rendered or to be rendered in contemplation of and in

1,500.00994.00506.00

3. $ 299.00 of the filing fee in this case has been paid.

4.a)

file a petition under title 11 of the United States Code.b)c)

Analysis of the financial situation, and rendering advice and assistance to the debtor(s) in determining whether toThe Services rendered or to be rendered include the following:

Preparation and filing of the petition, schedules, statement of financial affairs and other documents required by the

Representation of the debtor(s) at the meeting of creditors.court.

5.services performed, andThe source of payments made by the debtor(s) to the undersigned was from earnings, wages and compensation for

None other

6.be from earnings, wages and compensation for services performed, andThe source of payments to be made by the debtor(s) to the undersigned for the unpaid balance remaining, if any, will

None other

7.the value stated:The undersigned has received no transfer, assignment or pledge of property from debtor(s) except the following for

None

8.law firm, any compensation paid or to be paid except as follows:The undersigned has not shared or agreed to share with any other entity, other than with members of undersigned's

None

Dated:

Attorney for Petitioner:

9/5/2006 Respectfully submitted,

KENNETH P. EITEL, JR.KENNETH P. EITEL, JRThe Englewood Court Building401 NW Englewood Rd., Ste. 100Kansas City MO 64118

X /s/ KENNETH P. EITEL, JR.

Case 06-41984-drd7 Doc 24 Filed 09/12/06 Entered 09/12/06 17:49:50 Desc Main Document Page 1 of 59

UNITED STATES BANKRUPTCY COURTWESTERN DISTRICT OF MISSOURI

In re TROY ALLEN COVEYdba Nehemiah Community Development, Inc.dba Urban Homes, LLCdba 2729 Campbell, LLC

Chapter 706-41984Case No.

Attorney for Debtor: KENNETH P. EITEL, JR./ Debtor

VERIFICATION OF MAILING MATRIX

The above-named Debtor(s) hereby verifies that the attached list of creditors is true and correct to the best of my knowledge and includes the name and address of my ex-spouse (if any).

Date: 9/5/2006

Debtor/s/ TROY ALLEN COVEY


Alliance Radiology c/o Medical Mgt Professionals11440 Tomahawk Creek ParkwayLeawood KS 66211-2672

Alliance Radiology PCPO Box 804451Kansas City MO 64180-3998

American General Finance6435 North Prospect AvenueSuite 220Kansas City MO 64119

American General FinancePO Box 3212Evansville IN 47731-3212

American General FinancePayment Processing CenterPO Box 4182Carol Stream IL 60197-4182

American General Finance4266 North Oak TrafficwayKansas City MO 64116

Berlin WheelerPO Box 463Jefferson City MO 65102

Berlin Wheeler711 West McCartyJefferson City MO 65102

Central Bank of Kansas City3600 BroadwayKanas City MO 64111

Central Bank of Kansas City2301 Independence AvenueKansas City MO 64124

Citi Corp VendorPO Box 72747Philadelphia PA 19170

Collection Inc 4626 West 6th AvenueStillwater OK 74074


Credit World Services Inc 6000 MartwayShawnee Mission KS 66202

EMC MortgagePO Box 141358Irving TX 75014

EMC Mortgage511 East John Carpenter FreewyNo 500Irving TX 75062

EMC Mortgage909 Hidden Ridge Suite 190Irving TX 75038

First Bank of AnthonyMain & Buff StreetsAnthony KS 67003

First Bank of Kansas3901 Main StreetKansas City MO 64111

First National Bank Johnson Co14435 MetcalfOverland Park KS 66223

First Premier BankPO Box 5147Sioux Falls SD 57117-5147

First Premier Bank601 South Minnesota AvenueSioux Falls SD 57140



Fist National Bank of AnthonyMain & Buff StreetsAnthony KS 67003


Fleet Capital Leasing305 West Big BeaverSuite 400Troy MI 48084

FTL1215 Fern Ridge ParkwaySuite 216St Louis MO 63141

G-Finance7321 South Lindburg Ste 320St Louis MO 63725

Global Payment Check Services6215 West Howard StreetNiles IL 60714-3403

Global Payment Check ServicesPO Box 59371Chicago IL 60659

GMACPO Box 217060Auburn Hills MI 48321

GMACPO Box 8557Kansas City MO 64114

GMACLegal Department2740 Arthur StreetRoseville MN 55113-1303

GMACPO Box 12699Glendale AZ 85318-2699

IC System Inc 444 Highway 96 EastSt Paul MN 55164

IC SystemsPO Box 64378St Paul MN 55164

Kansas Counselors Inc 8725 Rosehill RoadLenexa KS 66215


Kansas Counselors Inc PO Box 14765Shawnee Mission KS 66285

Kansas Counselors Inc 8725 Rosehill Road Ste 415Lenexa KS 66215

LeaseComm Corp PO Box 4036Woburn MA 01888-4036

LeaseComm Corp 10M Commerce WayWoburn MA 01801

LeaseComm Corp 281 Winter StreetWaltham MA 02451

Liberty Hospital2525 Glenn Hendren DriveLiberty MO 64068-9625

Liberty HospitalPayment Processing Center-PMD10604 Justin DriveDes Moines IA 50322

Liberty HospitalPayment Processing Center-PMDPO Box 219714Kansas City MO 64121-9714

MAST AmbulancePO Box 3161Kansas City KS 66103

MAST Ambulance6750 Eastwood TrafficwayKansas City MO 64129

MAST AmbulancePO Box 412475Kansas City MO 64141-2475

MastercheckPO Box 637Stillwater OK 74076


Mastercheck4626 West 6th AvenueStillwater OK 74074

McDonagh Medical Center2800 Northeast Kendallwood PkwSuite AGladstone MO 64119

Missouri Gas EnergyPO Box 412662Kansas City MO 64141-2662


OPTIMA Recovery Services LLCPO Box 52968Knoxville TN 37950-2968

OPTIMA Recovery Services LLC6215 Kingston Pike Suite AKnoxville TN 37950-2968

Quik TripPO Box 419734Kansas City MO 64141

Quik Trip 921 Walnut Street Floor 5Kansas City MO 64106

Quik Trip 925 Walnut StreetKansas City MO 64106

Quik Trip CorporationCollectionsPO Box 2828Tulsa OK 74101

Roto Rooter214 West 18th StreetKansas City MO 64108

Scott Greenburg AttorneySandburg Phoenix VonGontard1 City Centre 15th FloorSt Louis MO 63101


Speedy-Cash Title Loans3611 North Ridge RoadWichita KS 67205

Speedy-Cash Title Loans3947 Main StreetKansas City MO 64111

Stuart Auld9315 Manor RoadLeawood KS 66206

Thomas Leasing275 LeMey Ferry RoadSt Louis MO 63125

Tiburon Financial LLC218A South 108th AvenueOmaha NE 68154

United Mortgage & LoanATTN Bankruptcy Dept 6701 Carmel Road Suite 110Charlotte NC 28226

Wells Fargo FinancialBankruptcy Department4137 121st StreetUrbandale IA 50323

Wells Fargo Financial303 Northeast Englewood RoadSuite EKansas City MO 64118

Wells Fargo FinancialPO Box 98798Las Vegas NV 89193-8798

Wells Fargo Financial800 Walnut StreetDes Moines IA 50309

Wells Fargo Home Mortgage625 Maryville Centre DriveSt Louis MO 63141

Wells Fargo Home MortgageBankruptcy Department4137 121st StreetUrbandale IA 50323


World Finance5710 Northeast AntiochGladstone MO 64119

World Financial PO Box 659704San Antonio TX 78265-9704

World Financial Customer ServicePO Box 182273Columbus OH 43218


FORM B6 (10/05) West Group, Rochester, NY

Case No.

UNITED STATES BANKRUPTCY COURT

In re

/ Debtor

06-41984TROY ALLEN COVEY

WESTERN DISTRICT OF MISSOURI

Chapter 7

Indicate as to each schedule whether that schedule is attached and state the number of pages on each. Report the totals from Schedules A, B, D, E, F, I, and J in the boxesprovided. Add the amounts from Schedules A and B to determine the total amount of the debtor's assets. Add the amounts from Schedules D, E and F to determine the totalamount of the debtor's liabilities. Individual debtors must also complete the "Statistical Summary of Certain Liabilities."

SUMMARY OF SCHEDULES

AMOUNTS SCHEDULED

NAME OF SCHEDULEAttached(Yes/No)

No. ofSheets ASSETS LIABILITIES OTHER

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

1

3

1

4

1

11

1

1

1

1

A-Real Property

B-Personal Property

C-Property Claimed asExempt

D-Creditors Holding SecuredClaims

E-Creditors HoldingUnsecured Priority Claims

F-Creditors HoldingUnsecured Nonpriority Claims

G-Executory Contracts andUnexpired Leases

H-Codebtors

I-Current Income of IndividualDebtor(s)

J-Current Expenditures ofIndividual Debtor(s)

$ 358,050.00

3,825.40$

339,513.96$

0.00$

220,077.00$

4,342.00$

4,341.00$

559,590.96$361,875.40$TOTAL



WESTERN DISTRICT OF MISSOURIUNITED STATES BANKRUPTCY COURT

In re

/ Debtor

TROY ALLEN COVEYChapter 7Case No. 06-41984

STATISTICAL SUMMARY OF CERTAIN LIABILITIES (28 U.S.C 159)[Individual Debtors Only]

Summarize the following types of liabilities, as reported in the Schedules, and total them.

Type of LiabilityDomestic Support Obligations (from Schedule E)

Taxes and Certain Other Debts Owed to Governmental Units (from Schedule E)

Claims for Death or Personal Injury While Debtor Was Intoxicated (from Schedule E)

Student Loan Obligations (from Schedule F)Domestic Support, Separation Agreement, and Divorce Decree Obligations Not Reported on Schedule E

Obligations to Pension or Profit-Sharing, and Other Similar Obligations (from Schedule F)

TOTAL

Amount

$

$

$

$

$

$

0.00

0.00

0.00

0.00

0.00

0.00

0.00

The forgoing information is for statistical purposes only under 28 U.S.C. 159.

$



In re

DECLARATION CONCERNING DEBTOR'S SCHEDULES

/ Debtor Case No.(if known)

DECLARATION UNDER PENALTY OF PERJURY BY AN INDIVIDUAL DEBTOR

06-41984TROY ALLEN COVEY

I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of 26 sheets, and that they are true andcorrect to the best of my knowledge, information and belief.

Date: 9/5/2006 SignatureTROY ALLEN COVEY/s/ TROY ALLEN COVEY


TROY ALLEN COVEY

FORM B6A (10/05) West Group, Rochester, NY

In re / Debtor Case No. 06-41984(if known)

SCHEDULE A-REAL PROPERTY

Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a cotenant,community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable for the debtor'sown benefit. If the debtor is married, state whether the husband, wife, or both own the property by placing an "H," "W," "J," or "C" in the column labeled"Husband, Wife, Joint, or Community." If the debtor holds no interest in real property, write "None" under "Description and Location of Property."

Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G-Executory Contracts and UnexpiredLeases.If an entity claims to have a lien or hold a secured interest in any property, state the amount of the secured claim. See Schedule D. If no entity claims tohold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim."

If the debtor is an individual or if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C-Property Claimed asExempt.

Description and Location of Property Nature of Debtor'sInterest in Property

Husband--HWife--WJoint--J

Community--C

CurrentValue

of Debtor's Interest,in Property Without

Deducting anySecured Claim or

Exemption

Amount ofSecured Claim

House and lot located at 7802 NorthBroadway, Kansas City MO 64118; Grossmarket value of $238,000.00 less 7% forreal estate commission/administrativefees of $16,660.00 = $221,340.00 netmarket value

Fee Simple/Subject to Deed $ 221,340.00 $ 203,160.00

House and lot located at 3937Bellefontaine, Kansas City MO 64131;Gross market value of $79,000.00 less 7%real estate commission/administrativefees of $5,530.00 = $73,470.00 net marketvalue


House and lot located at 117 North White,Kansas City MO 64123; Gross market valueof $68,000.00 less 7% real estatecommission/administrative fees of$4,760.00 = $63,240.00 net market value.


No continuation sheets attached TOTAL $(Report also on Summary of Schedules.)

358,050.00


FORM B6B (10/05) West Group, Rochester, NY

In re TROY ALLEN COVEY / Debtor

SCHEDULE B-PERSONAL PROPERTY

Case No.(if known)

06-41984

Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories, place an"X" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identified withthe case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, or both own property by placing an"H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor is an individual or a joint petition is filed, state the amount ofany exemptions claimed only in Schedule C-Property Claimed as Exempt.Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G-Executory Contracts and Unexpired Leases.If the property is being held for the debtor by someone else, state that person's name and address under "Description and Location of Property."

Description and Location of Property


Community--C

Type of PropertyCurrentValue


Deducting any

ExemptionSecured Claim or

No

n

e

1. Cash on hand. Cash in pocket - $15.00Location: In debtor's possession

00.51 $

2. Checking, savings or other financialaccounts, certificates of deposit, orsharesin banks, savings and loan, thrift,buildingand loan, and homestead associations, orcredit unions, brokerage houses, orcooperatives.

First Bank of Johnson County, 14435 Metcalf,Overland Park KS; Savings account for rentalproperty; Account No. ****0250Location: First Bank of Johnson County

30.073 $

US Bank, Main Street, Kansas City MO; Savingsaccount number ***2293Location: US Bank

73.4 $

3. Security deposits with public utilities,telephone companies, landlords, andothers.

X

4. Household goods and furnishings,including audio, video, and computerequipment.

Linens & towels - $15.00; Small appliances -$10.00; Dishes, glasses, flatware - $25.00;Cookware & bakeware - $10.00; Three lamps -$12.00; Counter-top stove & built in oven -$120.00; Two televisions - $125.00;Refrigerator - $100.00; Washer & dryer -$150.00; Recliner - $15.00; Sofa & loveseat -$45.00; Area throw rug - $10.00; China cabinet- $25.00; Microwave - $15.00; Bed with mattress- $40.00; Entertainment center - $25.00; Bookshelf - $10.00; Riding lawn mower & push mower- $200.00; Weed-eater - $5.00; Dresser - $15.00Location: In debtor's possession

00.279 $

5. Books, pictures and other art objects,antiques, stamp, coin, record, tape,compact disc, and other collections orcollectibles.

Personal reading books - $5.00; Walldecorations - $5.00Location: In debtor's possession

00.01 $

6. Wearing apparel. Clothes, shoes, coats - $100.00Location: In debtor's possession

00.001 $

Page 1 of 3





Case No.(if known)

06-41984

(Continuation Sheet)



Community--C



Deducting any


No

n

e

7. Furs and jewelry. X

8. Firearms and sports, photographic, andother hobby equipment.

Acoustic guitar - $125.00; Amplifier - $75.00Location: In debtor's possession

00.002 $

9. Interests in insurance policies. Nameinsurance company of each policy anditemize surrender or refund value ofeach.

X

10. Annuities. Itemize and name each issuer. X

11. Interest in an education IRA asdefined in 26 U.S.C. 530(b)(1) or undera qualified State tuition plan as defined in26 U.S.C. 529(b)(1). Give particulars.(File separately the record(s) of any suchinterest(s). 11 U.S.C. 521(c); Rule1007(b)).

X

12. Interests in IRA, ERISA, Keogh, or otherpension or profit sharing plans. Itemize.

X

13. Stock and interests in incorporated andunincorporated businesses. Itemize.

X

14. Interests in partnerships or jointventures.Itemize.

X

15. Government and corporate bonds andother negotiable and non-negotiableinstruments.

X

16. Accounts Receivable. X

17. Alimony, maintenance, support, andproperty settlements to which the debtoris or may be entitled. Give particulars.

X

18. Other liquidated debts owing debtorincluding tax refunds. Give particulars.

X

19. Equitable or future interests, life estates,and rights or powers exercisable for thebenefit of the debtor other than thoselisted in Schedule of Real Property.

X

20. Contingent and non-contingentinterestsin estate of a decedent, death benefitplan, life insurance policy, or trust.

X

21. Other contingent and unliquidatedclaimsof every nature, including tax refunds,counterclaims of the debtor, and rightstosetoff claims. Give estimated value ofeach.

X

22. Patents, copyrights, and other intellectualproperty. Give particulars.

X

Page 2 of 3





Case No.(if known)

06-41984




Community--C



Deducting any


No

n

e

23. Licenses, franchises, and other generalintangibles. Give particulars.

X

24. Customer lists or other compilationscontaining personally identifiableinformation (as described in 11 U.S.C.101(41A)) provided to the debtor byindividuals in connection with obtaininga product or service from the debtorprimarily for personal, family, orhousehold purposes.

X

25. Automobiles, trucks, trailers and othervehicles.

1992 Chevrolet 1500, 1/2 ton, short-bedpick-up; Mileage 130,000; Rough conditionLocation: In debtor's possession

00.980,1 $

1999 Dodge Dakota; Mileage 146,000; Roughcondition (engine does not run).Location: In debtor's possession

00.577 $

26. Boats, motors, and accessories. X

27. Aircraft and accessories. X

28. Office equipment, furnishings, andsupplies.

Laptop computer - $250.00; Desk - $30.00; Two2-drawer file cabinets - $10.00Location: In debtor's possession

00.092 $

29. Machinery, fixtures, equipment andsupplies used in business.

X

30. Inventory. X

31. Animals. X

32. Crops - growing or harvested.Give particulars.

X

33. Farming equipment and implements. X

34. Farm supplies, chemicals, and feed. X

35. Other personal property of any kind notalready listed. Itemize.

X

Page 3 of 3(Report total also on Summary of Schedules.)

Total $ 3,825.40

Include amounts from any continuation sheets attached.


FORM B6C (10/05) West Group, Rochester, NY

In reTROY ALLEN COVEY / Debtor

SCHEDULE C-PROPERTY CLAIMED AS EXEMPT

Case No.(if known)

06-41984

Debtor claims the exemptions to which debtor is entitled under:(Check one box)

11 U.S.C. 522(b) (2):11 U.S.C. 522(b) (3):

Check if debtor claims a homestead exemption that exceeds $125,000.

Providing eachDescription of PropertyCurrent

Value of PropertyExemption

Specify Law

Without DeductingExemptions

Value ofClaimed

Exemption

House and lot located at 7802North Broadway, Kansas City MO641

R. S. Mo. 513.475 00.043,122 $00.000,51 $

Cash in pocket - $15.00 R. S. Mo. 513.430(3) 00.51 $00.51 $

First Bank of Johnson County,14435 Metcalf, Overland ParkKS; S

R. S. Mo. 513.430(3) 30.073 $30.073 $

US Bank, Main Street, KansasCity MO; Savings account number***

R. S. Mo. 513.430(3) 73.4 $73.4 $

Linens & towels - $15.00; Smallappliances - $10.00; Dishes,gla

R. S. Mo. 513.430(1) 00.279 $00.279 $

Personal reading books - $5.00;Wall decorations - $5.00

R. S. Mo. 513.430(1) 00.01 $00.01 $

Clothes, shoes, coats - $100.00 R. S. Mo. 513.430(1) 00.001 $00.001 $

Acoustic guitar - $125.00;Amplifier - $75.00

R. S. Mo. 513.430(1) 00.002 $00.002 $

Laptop computer - $250.00; Desk- $30.00; Two 2-drawer filecabi

R. S. Mo. 513.430(1) 00.092 $00.092 $

Page No. 1 of 1


FORM B6D (10/05) West Group, Rochester, NY

Case No. 06-41984(if known)

SCHEDULE D-CREDITORS HOLDING SECURED CLAIMS


State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by propertyof the debtor as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trusteeand the creditor and may be provided if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens,garnishments, statutory liens, mortgages, deeds of trust, and other security interests.

List creditors in alphabetical order to the extent practicable. If a minor child is a creditor, indicate that by stating "a minor child" and do notdisclose the childs name. See U.S.C. 112; Fed. R. Bankr. P. 1007(m). If all secured creditors will not fit on this page, use the continuation sheet provided.

If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column marked "Codebtor," include the entity onthe appropriate schedule of creditors and complete Schedule H - Codebtors. If a joint petition is filed, state whether husband, wife, both of them, or themarital community may be liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community."

If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled"Unliquidated." If the claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)

Report the total of all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedules. Report this total alsoon the Summary of Schedules.

Check this box if debtor has no creditors holding secured claims to report on this Schedule D.

Creditor's Name andMailing Address

H--HusbandW--WifeJ--JointC--Community

Date Claim was Incurred,Nature of Lien, and Description andMarket Value of Property Subject to Lien

Amount of ClaimWithout

Deducting Valueof Collateral

UnsecuredPortion, if any

Co

de

bto

r

Continge

nt

nU

liquidated

D

sp

tu

i

ed

Including ZIP Code andAccount Number

(See Instructions Above)

Account No:

Creditor # :

Value:

1March 2003Second Mortgage

$ 221,340.00

$ 20,521.00 $ 0.00426*

American General Finance6435 North Prospect AvenueSuite 220Kansas City MO 64119

Account No:

Value:

Representing:American General Finance

American General Finance4266 North Oak TrafficwayKansas City MO 64116

426*

Account No:

Value:


American General FinancePayment Processing CenterPO Box 4182Carol Stream IL 60197-4182

426*

Account No:

Value:


American General FinancePO Box 3212Evansville IN 47731-3212

426*

3 continuation sheets attached

(Use only on last page)Total $

(Total of this page)Subtotal $ 20,521.00













Co

de

bto

r

Continge

nt

nU

liquidated

D

sp

tu

i

ed



Account No:

Creditor # :

Value:

2August 1999First Mortgage

$ 221,340.00

$ 182,639.00 $ 0.002202

EMC MortgagePO Box 141358Irving TX 75014

Account No:

Value:

Representing:EMC Mortgage

EMC Mortgage909 Hidden Ridge, Suite 190Irving TX 75038

2202

Account No:

Value:


Wells Fargo Home Mortgage625 Maryville Centre DriveSt. Louis MO 63141

2202

Account No:

Value:


Wells Fargo Home MortgageBankruptcy Department4137 121st StreetUrbandale IA 50323

2202

Account No:

Value:


Scott Greenburg, AttorneySandburg Phoenix VonGontard1 City Centre, 15th FloorSt. Louis MO 63101

2202

Account No:

Value:


EMC Mortgage511 East John Carpenter FreewyNo. 500Irving TX 75062

2202

0Holding Secured Claims

3Sheet No. of continuation sheets attached to Schedule of Creditors















Co

de

bto

r

Continge

nt

nU

liquidated

D

sp

tu

i

ed



House and lot located at 117North White, Kansas City MO

Account No:

Creditor # :

Value:

3September 2004Mortgage

$ 63,240.00

$ 62,485.12 $ 0.003406

First Bank of AnthonyMain & Buff StreetsAnthony KS 67003

Account No:

Value:

Representing:First Bank of Anthony


3406

Dodge Dakota Pickup

Account No:

Creditor # :

Value:

4December 2005

$ 775.00

$ 2,019.00 $ 1,244.0048**

First Bank of Kansas3901 Main StreetKansas City MO 64111

House and lot located at 3937Bellefontain, Kansas City MO

Account No:Creditor # :

Value:

5September 2004Mortgage

$ 73,470.00

$ 70,553.84 $ 0.003920

Fist National Bank of AnthonyMain & Buff StreetsAnthony KS 67003

Account No:

Value:

Representing:Fist National Bank of Anthony


3920

Account No:

Creditor # :

Value:

62005Title Loan

$ 1,089.00

$ 1,296.00 $ 207.008926

Speedy-Cash Title Loans3947 Main StreetKansas City MO 64111

















Co

de

bto

r

Continge

nt

nU

liquidated

D

sp

tu

i

ed



Account No:

Value:

Representing:Speedy-Cash Title Loans

Speedy-Cash Title Loans3611 North Ridge RoadWichita KS 67205

8926

Account No:

Value:

Account No:

Value:

Account No:

Value:

Account No:

Value:

Account No:

Value:




(Total of this page)Subtotal $ 0.00

339,513.96


FORM B6E (10/05) West Group, Rochester, NY


SCHEDULE E-CREDITORS HOLDING UNSECURED PRIORITY CLAIMS


A complete list of claims entitled to priority, listed separately by type of priority, is to be set forth on the sheets provided. Only holders ofunsecured claims entitled to priority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address,including zip code, and last four digits of the account number, if any, of all entities holding priority claims against the debtor or the property of the debtor, asof the date of the filing of the petition. Use a separate continuation sheet for each type of priority and label each with the type of priority.

The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if thedebtor chooses to do so. If a minor child is a creditor, indicate that by stating a minor child and do not disclose the childs name. See 11 U.S.C. 112;Fed.R.Bankr.P. 1007(m).

If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity onthe appropriate schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether husband, wife, both of them or themarital community may be liable on each claim by placing an "H,""W,""J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim iscontingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim isdisputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)

Report the total of claims listed on each sheet in the box labeled "Subtotal" on each sheet. Report the total of all claims listed on this Schedule E inthe box labeled Total on the last sheet of the completed schedule. Report this total also on the Summary of Schedules.

Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotal" on each sheet. Report the total of all amountsentitled to priority listed on this Schedule E in the box labeled Total on the last sheet of the completed schedule. If applicable, also report this total on theMeans Test form.

Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.

TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets)Domestic Support ObligationsClaims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, orresponsible relative of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in 11U.S.C. 507(a)(1).Extensions of credit in an involuntary caseClaims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of theappointment of a trustee or the order for relief. 11 U.S.C. 507(a)(3).

Wages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifyingindependent sales representatives up to $10,000* per person earned within 180 days immediately preceding the filing of the original petition, or thecessation of business, whichever occurred first, to the extent provided in 11 U.S.C. 507(a)(4).

Wages, salaries, and commissions

Contributions to employee benefit plansMoney owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or the cessationof business, whichever occurred first, to the extent provided in 11 U.S.C. 507(a)(5).Certain farmers and fishermenClaims of certain farmers and fishermen, up to $4,925* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. 507(a)(6).Deposits by individualsClaims of individuals up to $2,225* for deposits for the purchase, lease, or rental of property or services for personal, family, or household use, thatwere not delivered or provided. 11 U.S.C. 507(a)(7).Taxes and Certain Other Debts Owed to Governmental UnitsTaxes, custom duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. 507(a)(8).Commitments to Maintain the Capital of an Insured Depository InstitutionClaims based on commitments to FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors of theFederal Reserve System, or their predecessors or successors, to maintain the capital of an insured depository institution. 11 U.S.C. 507(a)(9).Claims for Death or Personal Injury While Debtor Was IntoxicatedClaims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using alcohol, adrug, or another substance. 11 U.S.C. 507(a)(10).

*Amounts are subject to adjustment on April 1, 2007, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

No continuation sheets attached


FORM B6F (10/05) West Group, Rochester, NY


SCHEDULE F-CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS


State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without priorityagainst the debtor or the property of the debtor, as of the date of filing of the petition. The complete account number of any account the debtor has withthe creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, indicate that by stating"a minor child" and do not disclose the childs name. See 11 U.S.C. 112; Fed.R.Bankr.P. 1007(m). Do not include claims listed in Schedules D and E. If allcreditors will not fit on this page, use the continuation sheet provided.

If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on theappropriate schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether husband, wife, both of them, or the maritalcommunity may be liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community."

If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If theclaim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)

Report total of all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedules. Report this total also on the

Check this box if debtor has no creditors holding unsecured nonpriority claims to report on this Schedule F.

Creditor's Name and Mailing Address

including Zip Code


Date Claim was Incurred,and Consideration for Claim.If Claim is Subject to Setoff, so State.

Amount of ClaimCodebtor

Continge

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U

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And Account Number(See instructions above.)

without deductiongvalue of colateral

Account No:

Creditor # : 1Alliance Radiology, PCPO Box 804451Kansas City MO 64180-3998

2003Medical Bills

$ 143.00 **

Alliance Radiologyc/o Medical Mgt. Professionals11440 Tomahawk Creek ParkwayLeawood KS 66211-2672

Account No:

Representing:Alliance Radiology, PC

**

OPTIMA Recovery Services LLC6215 Kingston Pike, Suite AKnoxville TN 37950-2968

Account No:


**

OPTIMA Recovery Services LLCPO Box 52968Knoxville TN 37950-2968

Account No:


**

10 continuation sheets attached

(Report total also on Summary of Schedules)Total $









including Zip Code




Continge

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Account No:

Creditor # : 2Central Bank of Kansas City2301 Independence AvenueKansas City MO 64124

UnknownImprovement Loan

X $ 26,000.000202

Central Bank of Kansas City3600 BroadwayKanas City MO 64111

Account No:

Representing:Central Bank of Kansas City

0202

Account No:

Creditor # : 3Citi Corp VendorPO Box 72747Philadelphia PA 19170

UnknownLease Equipment

X $ 10,000.005320

Account No:

Creditor # : 4First Premier Bank601 South Minnesota AvenueSioux Falls SD 57140

October 2002Credit Card Account

$ 516.00****


Account No:

Representing:First Premier Bank

****


Account No:


****

1Creditors Holding Unsecured Nonpriority Claims

10Sheet No. of continuation sheets attached to Schedule of










including Zip Code




Continge

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Account No:


****

Account No:

Creditor # : 5Fleet Capital Leasing305 West Big BeaverSuite 400Troy MI 48084


X $ 15,000.005000

Account No:

Creditor # : 6FTL1215 Fern Ridge ParkwaySuite 216St. Louis MO 63141

$ 0.00

Account No:

Creditor # : 7G-Finance7321 South Lindburg, Ste. 320St. Louis MO 63725


X $ 41,000.0015-1

Creditor: Inner City Oil

Account No:

Creditor # : 8Global Payment Check Services6215 West Howard StreetNiles IL 60714-3403

2003Collection Account

X $ 2,030.0072**

Global Payment Check ServicesPO Box 59371Chicago IL 60659

Account No:

Representing:Global Payment Check Services

72**












including Zip Code




Continge

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Account No:

Creditor # : 9GMACPO Box 217060Auburn Hills MI 48321

April 2006Auto Repo Deficiency Debt

$ 47,533.0056**

GMACPO Box 12699Glendale AZ 85318-2699

Account No:

Representing:GMAC

56**

GMACLegal Department2740 Arthur StreetRoseville MN 55113-1303

Account No:

Representing:GMAC

56**

GMACPO Box 8557Kansas City MO 64114

Account No:

Representing:GMAC

56**

Creditor Name: NIDIFFER THOMASOAKLEY

Account No:

Creditor # : 10Kansas Counselors, Inc.8725 Rosehill Road, Ste. 415Lenexa KS 66215

2001Collection Account

$ 365.0000**

Kansas Counselors, Inc.PO Box 14765Shawnee Mission KS 66285

Account No:

Representing:Kansas Counselors, Inc.

00**












including Zip Code




Continge

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Account No:

Creditor # : 11LeaseComm Corp.10M Commerce WayWoburn MA 01801

June 2002Lease Equipment

$ 347.0013**

LeaseComm Corp.PO Box 4036Woburn MA 01888-4036

Account No:

Representing:LeaseComm Corp.

13**

LeaseComm Corp.281 Winter StreetWaltham MA 02451

Account No:

Representing:LeaseComm Corp.

13**

Account No:

Creditor # : 12Liberty Hospital2525 Glenn Hendren DriveLiberty MO 64068-9625

July 2003Medical Bills

$ 1,300.00 **

Liberty HospitalPayment Processing Center-PMD10604 Justin DriveDes Moines IA 50322

Account No:

Representing:Liberty Hospital

**

Liberty HospitalPayment Processing Center-PMDPO Box 219714Kansas City MO 64121-9714

Account No:


**












including Zip Code




Continge

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Berlin WheelerPO Box 463Jefferson City MO 65102

Account No:


**

Berlin Wheeler711 West McCartyJefferson City MO 65102

Account No:


**

Account No:

Creditor # : 13MAST AmbulancePO Box 3161Kansas City KS 66103

2003Medical Bills

$ 737.00 **

MAST AmbulancePO Box 412475Kansas City MO 64141-2475

Account No:

Representing:MAST Ambulance

**

MAST Ambulance6750 Eastwood TrafficwayKansas City MO 64129

Account No:


**

IC SystemsPO Box 64378St. Paul MN 55164

Account No:


**












including Zip Code




Continge

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IC System, Inc.444 Highway 96 EastSt. Paul MN 55164

Account No:


**

Account No:

Creditor # : 14McDonagh Medical Center2800 Northeast Kendallwood PkwSuite AGladstone MO 64119

UnknownMedical Bills

X $ 617.00 **

Kansas Counselors, Inc.PO Box 14765Shawnee Mission KS 66285

Account No:

Representing:McDonagh Medical Center

**

Kansas Counselors, Inc.8725 Rosehill RoadLenexa KS 66215

Account No:

Representing:McDonagh Medical Center

**

Account No:

Creditor # : 15Missouri Gas EnergyPO Box 219255Kansas City MO 64141-9255

2003Gas Utility Service

$ 593.00 **


Account No:

Representing:Missouri Gas Energy

**












including Zip Code




Continge

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Credit World Services, Inc.6000 MartwayShawnee Mission KS 66202

Account No:

Representing:Missouri Gas Energy

**

Account No:

Creditor # : 16Quik Trip CorporationCollectionsPO Box 2828Tulsa OK 74101

2003Returned Check Collection

$ 87.00 **

Collection, Inc.4626 West 6th AvenueStillwater OK 74074

Account No:

Representing:Quik Trip Corporation

**

Quik TripPO Box 419734Kansas City MO 64141

Account No:


**

Quik Trip921 Walnut Street, Floor 5Kansas City MO 64106

Account No:


**

Quik Trip925 Walnut StreetKansas City MO 64106

Account No:


**












including Zip Code




Continge

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Mastercheck4626 West 6th AvenueStillwater OK 74074

Account No:


**

MastercheckPO Box 637Stillwater OK 74076

Account No:


**

Account No:

Creditor # : 17Roto Rooter214 West 18th StreetKansas City MO 64108

UnknownServices Rendered

X $ 5,300.00None

Account No:

Creditor # : 18Stuart Auld9315 Manor RoadLeawood KS 66206

$ 0.00

Account No:

Creditor # : 19Thomas Leasing275 LeMey Ferry RoadSt. Louis MO 63125


X $ 34,000.001777

Account No:

Creditor # : 20United Mortgage & LoanATTN: Bankruptcy Dept.6701 Carmel Road, Suite 110Charlotte NC 28226

UnknownLine of Credit

X $ 30,000.007560












including Zip Code




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Account No:

Creditor # : 21Wells Fargo Financial303 Northeast Englewood RoadSuite EKansas City MO 64118

April 2003Installment Account

$ 644.00853*

Wells Fargo FinancialBankruptcy Department4137 121st StreetUrbandale IA 50323

Account No:

Representing:Wells Fargo Financial

853*

Wells Fargo FinancialPO Box 98798Las Vegas NV 89193-8798

Account No:


853*

Wells Fargo Financial800 Walnut StreetDes Moines IA 50309

Account No:


853*

Tiburon Financial LLC218A South 108th AvenueOmaha NE 68154

Account No:


853*

Account No:

Creditor # : 22World Finance5710 Northeast AntiochGladstone MO 64119

November 2005Installment Account

$ 3,865.0009**












including Zip Code




Continge

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World FinancialCustomer ServicePO Box 182273Columbus OH 43218

Account No:

Representing:World Finance

09**

World FinancialPO Box 659704San Antonio TX 78265-9704

Account No:

Representing:World Finance

09**

Account No:

Account No:

Account No:

Account No:

220,077.00






FORM B6G (10/05) West Group, Rochester, NY


SCHEDULE G-EXECUTORY CONTRACTS AND UNEXPIRED LEASES

Case No.(if known)

06-41984

Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State the nature of

"minor child" and do not disclose the child's name. See 11 U.S.C 112 Fed.R.Bankr.P. 1007(m).

Check this box if the debtor has no executory contracts or unexpired leases.

debtor's interests in contract, i.e., "Purchaser," "Agent," etc. State whether debtor is the lessor or lessee of a lease. Provide the names and complete mailingaddresses of all other parties to each lease or contract described. If a minor child is a party to one of the leases or contracts, indicate that by stating

including Zip Code, ofDescription of Contract or Lease and

Nature of Debtor's Interest.other Parties to Lease

Name and Mailing Address,

State whether Lease is for Nonresidential Real Property.State Contract Number of any Government Contract.or Contract

Page 1 of 1


FORM B6H (10/05) West Group, Rochester, NY


SCHEDULE H-CODEBTORS

Case No.(if known)

06-41984

Check this box if the debtor has no codebtors.

Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listed by debtor inthe schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state, commonwealth, orterritory (including Alaska, Arizona, California Idaho, Louisiana, Nevada, New Mexico, Puerto Rico Texas, Washington, or Wisconsin) within the eight yearperiod immediately preeceding the commencement of the case, identify the name of the debtors spouse and of any former spouse who resides or residedwith the debtor in the community property state, commonwealth, or territory.In community property states, a married debtor not filing a joint case shouldreport the name and address of the nondebtor spouse on this schedule. Include all names used by the nondebtor spouse during the eight yearsimmediately preceding the commencement of this case. If a minor child is a codebtor or a creditor, indicate that by stating "a minor child" and do notdisclose the childs name. See 11 U.S.C 112 ; Fed.Bankr.P. 1007(m).

Name and Address of CreditorName and Address of Codebtor

Fish Ministries, Inc.d/b/a Soloman's Porch Church3600 Walnut StreetKansas City MO 64111

Central Bank of Kansas City2301 Independence AvenueKansas City MO 64124

Citi Corp VendorPO Box 72747Philadelphia PA 19170

Fleet Capital Leasing305 West Big BeaverSuite 400Troy MI 48084

G-Finance7321 South Lindburg, Ste. 320St. Louis MO 63725

Roto Rooter214 West 18th StreetKansas City MO 64108

Thomas Leasing275 LeMey Ferry RoadSt. Louis MO 63125

United Mortgage & LoanATTN: Bankruptcy Dept.6701 Carmel Road, Suite 110Charlotte NC 28226

Page 1 of 1


FORM B6I (11/05) West Group, Rochester, NY

In re TROY ALLEN COVEY / Debtor Case No. 06-41984(if known)

SCHEDULE I-CURRENT INCOME OF INDIVIDUAL DEBTOR(S)The column labeled "Spouse" must be completed in all cases filed by joint debtors and by a married debtor in a chapter 7, 11, 12, or 13 case whether ornot a joint petition is filed, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child.

Debtor's Marital Status:

DEPENDENTS OF DEBTOR AND SPOUSEAGERELATIONSHIP

Single

EMPLOYMENT: DEBTOR SPOUSE

OccupationName of Employer

How Long EmployedAddress of Employer

8 Yrs

Soloman's PorchMinister

Main StreetKansas City MO

Income: (Estimate of average monthly income) DEBTOR SPOUSE

2,800.00

1. Current Monthly gross wages, salary, and commissions (pro rate if not paid monthly) $2. Estimated Monthly Overtime3. SUBTOTAL

$$ $

$$

4. LESS PAYROLL DEDUCTIONSa. Payroll Taxes and Social Securityb. Insurancec. Union Dues

$$$

$$$

2,800.000.00

0.000.000.00

0.000.000.00

0.000.000.00

d. Other (Specify): $ 00.0 $ 00.05. SUBTOTAL OF PAYROLL DEDUCTIONS

6. TOTAL NET MONTHLY TAKE HOME PAY

$$

$$

0.002,800.00 0.00

0.00

7. Regular income from operation of business or profession or farm (attach detailed statement) 8. Income from Real Property9. Interest and dividends10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or thatof dependents listed above.11. Social Security or other government assistance

$$$

$$$$$

$$Specify:12. Pension or retirement income

0.00 0.000.00 0.000.00 0.000.00 0.00

0.00 0.00$ 0.00 $ 0.00

Specify: Rental Income/House $ $00.245,1 00.013. Other monthly income

16. TOTAL COMBINED MONTHLY INCOME: (Report also on Summary of Schedules)15. TOTAL MONTHLY INCOME

$ 4,342.000.00$4,342.00$(Add amounts shown on lines 6 and 14)

14. SUBTOTAL OF LINES 7 THROUGH 13 1,542.00 0.00$ $

17. Describe any increase or decrease of more than 10% in any of the above categories anticipated to occur within the year following the filing of thisdocument:

Page No. 1 of 1


FORM B6J (11/05) West Group, Rochester, NY

Case No.(if known)

SCHEDULE J-CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR

In re / Debtor 06-41984TROY ALLEN COVEY

Complete this schedule by estimating the average expenses of the debtor and the debtor's family. Pro rate any payments made bi-weekly, quarterly,semi-annually, or annually to show monthly rate.

Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of expenditures labeled"Spouse."

1. Rent or home mortgage payment (include lot rented for mobile home)a. Are real estate taxes included?b. Is property insurance included?

$

$

2. Utilities: a. Electricity and heating fuelb. Water and sewerc. Telephoned. Other

$$$

1,912.00

150.0050.0030.0030.0020.00$

Cable Internet

$ 0.00

YesYes

NoNo

OtherOther

3. Home maintenance (Repairs and upkeep)4. Food5. Clothing

7. Medical and dental expenses6. Laundry and dry cleaning

9. Recreation, clubs and entertainment, newspapers, magazines, etc. 8. Transportation (not including car payments)

10. Charitable contributions

a. Homeowner's or renter's11. Insurance (not deducted from wages or included in home mortgage payments)

b. Lifec. Healthd. Autoe. Other

OtherOther

$ 125.00200.00$

$$ 20.00

85.00

$ 50.00$$ 50.00

250.00

$ 100.00

$ 0.000.00$

75.000.00$

$$ 0.00

0.00$$

0.00

12. Taxes (not deducted from wages or included in home mortgage)(Specify) $13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the plan)

a. Auto $$$

100.00

0.00562.00452.00

b. Other: Mortgage on Rental Property #1c. Other: Mortgage on Rental Property #2

Personal/Real Estate/License

d. Other: $ 0.000.00$

$ 0.00$ 0.00

14. Alimony, maintenance, and support paid to others 15. Payments for support of additional dependents not living at your home16. Regular expenses from operation of business, profession, or farm (attach detailed statement) 17. Other: Barber

Toiletries/Personal Care ItemsOther:Household Items/Cleaning Sup.Other:

$$$

30.0025.0025.00

18. TOTAL MONTHLY EXPENSES 4,341.00$(Report also on Summary of Schedules)19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year following the filing of this document:

a. Total monthly income from Line 16 of Schedule Ib. Total monthly expenses from Line 18 abovec. Monthly net income (a. minus b.)

20. STATEMENT OF MONTHLY NET INCOME4,342.00$

$$

4,341.001.00


Form 7 (10/05) West Group, Rochester, NY

TROY ALLEN COVEYdba Nehemiah Community Development, Inc.dba Urban Homes, LLCdba 2729 Campbell, LLC

Case No.

WESTERN DISTRICT OF MISSOURIUNITED STATES BANKRUPTCY COURT

06-41984In re:

STATEMENT OF FINANCIAL AFFAIRS

This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for bothspouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or not a jointpetition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole proprietor, partner,family farmer, or self-employed professional, should provide the information requested on this statement concerning all such activities as well as theindividual's personal affairs. Do not include the name or address of a minor child in this statement. Indicate payments, transfers and the like to minorchildren by stating a minor child. See 11 U.S.C. 112; Fed. R. Bankr. P. 1007(m).

Questions 1-18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete Questions19-25. If the answer to an applicable question is "None," or the question is not applicable, mark the box labeled "None." If additional space is needed forthe answer to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of thequestion.

DEFINITIONS

"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "inbusiness" for the purpose of this form if the debtor is or has been, within the six years immediately preceding the filing of this bankruptcy case, any of thefollowing: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner, other thana limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor my also be "in business" for the purpose ofthis form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the debtor's primaryemployment.

"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives; corporations ofwhich the debtor is an officer, director, or person in control; officers, directors, and any owner of 5 percent or more of the voting or equity securities of acorporation debtor and their relatives; affiliates of the debtor and insiders of such affiliates; any managing agent of the debtor. 11 U.S.C. 101.

1. Income from employment or operation of businessState the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's business, including part-time activitieseither as an employee or in independent trade or business, from the beginning of this calendar year to the date this case was commenced. State also the gross amountsreceived during the two years immediately preceding this calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than acalendar year may report fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for each spouseseparately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint petition is filed, unless the spouses areseparated and a joint petition is not filed.)

AMOUNT SOURCE

Year to date: 2006 Year todate income from employmentand business - $18,040.00

Last Year: 2005 Gross incomefrom employment and business- $146,379.00

Year before: 2004 Grossincome from employment -($18,815.00)

2006: Soloman's Porch, Kansas City MO - $9,800.00; Rentalfee received for property on North White, Kansas City MO -$1,400.00; Rental fee received for property onBellefontaine, Kansas City MO - $6,840.00

2005: Soloman's Porch, Kansas City MO - $4,192; Capital Gain$142,182.00

2004: Business loss - ($4,604.00); Capital loss - ($972.00);Rental loss - ($13,239.00)

Statement of Affairs - Page 1


Form 7 (10/05) West Group, Rochester, NY2. Income other than from employment or operation of business

State the amount of income received by the debtor other than from employment, trade, profession, operation of the debtor's business during the two years immediatelypreceding the commencement of this case. Give particulars. If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 orchapter 13 must state income for each spouse whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

SOURCE AMOUNT

Year to date: 2006 Year todate income from sourceother than employment -$0.00

Last Year: 2005 Gross incomefrom source other thanemployment - $0.00

Year before: 2004 Grossincome from source otherthan employment - $0.00

2006: N/A

2005: N/A

2004: N/A

3. Payments to creditorsComplete a. or b., as appropriate, and c.

a. Individual or joint debtor(s) with primarily consumer debts: List all payments on loans, installment purchases of goods or services, and other debts to any creditor, madewithin 90 days immediately preceding the commencement of this case if the aggregate value of all property that constitutes or is affected by such transfer is not lessthan $600. Indicate with an asterisk (*) any payments that were made to a creditor on account of a domestic support obligation or as part of an alternative repaymentschedule under a plan by an approved nonprofit budgeting and creditor counseling agency.(Married debtors filing under chapter 12 or chapter 13 must include payments byeither or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)NONE

b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days immediately preceding thecommencement of the case if the aggregate value of all property that constitutes or is affected by such transfer is not less than $5,000. (Married debtors filing underchapter 12 or chapter 13 must include payments and other transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated anda joint petition is not filed.)NONE

c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of creditors who are or were insiders.(Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint petition is filed, unless the spouses areseparated and joint petition is not filed.)NONE

4. Suits and administrative proceedings, executions, garnishments and attachmentsa. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of this bankruptcy case. (Marrieddebtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless the spouses areseparated and a joint petition is not filed.)

CAPTION OF SUITAND CASE NUMBER NATURE OF PROCEEDING AND LOCATION STATUS OR DISPOSITION

COURT OR AGENCY

M B Roofing vs TroyCovey0516-CV12605

Breach of Contract 16th JudicialCircuit Court ofJackson County atKansas City MO

Dismissed by CourtWithout Prejudice2/03/2006

Troy A. Covey vBilly Ferrall, etal0516-CV30501

AC Landlord Complaint 16th JudicialCircuit Court ofJackson County atKansas City MO

Judgment againstDefendant11/16/2005




QUESTION 4a CONTINUED ...

CAPTION OF SUITAND CASE NUMBER NATURE OF PROCEEDING AND LOCATION STATUS OR DISPOSITION

COURT OR AGENCY

Division ofEmployment Securityvs Troy Covey7TJ105001154

Transcript Judgment 16th JudicialCircuit Court ofJackson County atKansas City MO

Disposed 9/09/2005

Division ofEmployment Securityvs Urban Homes LLC0516-MC03843

Transcript Judgment 16th JudicialCircuit Court ofJackson County atKansas City MO

Disposed9/06/2006

Midwest AutoLeasing vs FishMinistries, et. al.04CV213806

CC Replevin 16th JudicialCircuit Court ofJackson County atKansas City MO

Pending

Ailco FinancialServices Inc. vsFish MinistriesInc. d/b/aSolomon's PorchChurch05CV3084

Foreign/Non-CaseDocument

16th JudicialCircuit Court ofJackson County atKansas City MO

Pending

Micro ElectronicsInc. vs FishMinistries, Inc.0616-CV01140

Small Claims over$100.00

16th JudicialCircuit Court ofJackson County atKansas City MO

Disposed 3/16/2006

b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately preceding the commencement of thiscase. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed,unless the spouses are separated and a joint petition is not filed.)NONE

5. Repossessions, foreclosures and returnsList all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or returned to the seller, within oneyear immediately preceding the commencement of this case.(Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either orboth spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR OR SELLER

DATE OF

DESCRIPTION AND VALUE OF PROPERTY

REPOSSESSIONFORECLOSURE SALE,TRANSFER OR RETURN

Name & Address:GMACPO Box 217060Auburn Hills MI 48321

February 2006 Description: 2003 Chevrolet SuburbanValue: $13,000.00




QUESTION 5 CONTINUED ...

NAME AND ADDRESS OF CREDITOR OR SELLER

DATE OF

DESCRIPTION AND VALUE OF PROPERTY

REPOSSESSIONFORECLOSURE SALE,TRANSFER OR RETURN

Name & Address:First Bank of Kansas3901 Main StreetKansas City MO

April 2006 Description:House and lot located at4409 Bales, Kansas City MO

Value: $50,000.00

Name & Address:First Bank of Kansas3901 Main StreetKansas City MO

April 2006 Description:House and lot located at4025 WoodburyKansas City MO

Value: $36,000.00

6. Assignments and receivershipsa. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of this case.(Married debtors filingunder chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a jointpetition is not filed.)NONE

b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately preceding the commencement of thiscase.(Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed,unless the spouses are separated and a joint petition is not filed.)NONE

7. GiftsList all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary and usual gifts to family membersaggregating less than $200 in value per individual family member and charitable contributions aggregating less than $100 per recipient.(Married debtors filing under chapter12 or chapter 13 must include gifts or contributions by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition isnot filed.)NONE

8. LossesList all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or since the commencement of this case.(Married debtors filing under chapter 12 or chapter 13 must include losses by either or both spouses whether or not a joint petition is filed, unless the spouses are separatedand a joint petition is not filed.)

DESCRIPTION AND VALUE OF PROPERTYDATEOF LOSS

DESCRIPTION OF CIRCUMSTANCES AND, IF LOSS WAS COVERED IN WHOLE OR IN PART BY INSURANCE, GIVE PARTICULARS

Description & Value:Generator$1,000.00

Circumstances: StolenInsurance: No

March 2006



Form 7 (10/05) West Group, Rochester, NY9. Payments related to debt counseling or bankruptcy

List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation concerning debt consolidation, reliefunder the bankruptcy law or preparation of a petition in bankruptcy within one year immediately preceding the commencement of this case.

NAME AND ADDRESS OF PAYEEDATE OF PAYMENT,NAME OF PAYER IF OTHER THAN DEBTOR

AMOUNT OF MONEY OR DESCRIPTION AND VALUE OF PROPERTY

Payee: KENNETH P. EITEL, JR.Address:The Englewood Court Building401 NW Englewood Rd., Ste.100Kansas City, MO 64118

Date of Payment:August 4, 2006Payor: TROY ALLEN COVEY

$1,293.00

Payee & Address:Consumer Credit CounselingServices of Greater Atlanta

Date of Payment:August 3, 2006

Payor: Troy A. Covey

$50.00

10. Other transfersa. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred either absolutely or as securitywithin two years immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include transfers by either or bothspouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)

DESCRIBE PROPERTY TRANSFERRED AND VALUE RECEIVEDNAME AND ADDRESS OF

DATETRANSFEREE, RELATIONSHIP TO DEBTOR

Transferee & Address:David Hills & Helen HillsKansas City MO

Relationship: None

January18, 2005

Property:House and lot located at 2729 Campbell,Kansas City MO

Value: $527,000.00Proceeds to Debtor - $79,410.92Mortgage payoff and closing costs -$447,589.08

Transferee & Address:Sonia (last name unknown)

Relationship: None

June 2006 Property:House and lot located at 4229 Chestnut,Kansas City MO

Value: $91,000.00Mortgage payoff and closing costs -$77,500.00Proceeds to Debtor - $13,500.00

b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled trust or similar device of which thedebtor is a benificiary.

NONE

11. Closed financial accountsList all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or otherwise transferred within one yearimmediately preceding the commencement of this case. Include checking, savings, or other financial accounts, certificates of deposit, or other instruments; shares andshare accounts held in banks, credit unions, pension funds, cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing underchapter 12 or chapter 13 must include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed, unless thespouses are separated and a joint petition is not filed.)NONE



Form 7 (10/05) West Group, Rochester, NY12. Safe deposit boxes

List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year immediately preceding thecommencement of this case.(Married debtors filing under chapter 12 or chapter 13 must include boxes or depositories of either or both spouses whether or not a jointpetition is filed, unless the spouses are separated and a joint petition is not filed.)NONE

13. SetoffsList all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the commencement of this case. (Married debtorsfiling under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless the spouses are separated anda joint petition is not filed.)NONE

14. Property held for another personList all property owned by another person that the debtor holds or controls.

NAME AND ADDRESS OF OWNER DESCRIPTION AND VALUE OF PROPERTY LOCATION OF PROPERTY

Owner & Address:Solomon's Porch ChurchKansas City MO

Description:Checking Account No. ***1254Value: ($1,420.44)

Bank MidwestRainbow BoulevardKansas City MO

Owner & Address:Duane Covey(Father of debtor)

Description:45 caliper Spring ArmourPistol

Value: $200.00

In possession of TroyA. Covey

15. Prior address of debtorIf the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor occupied during that period andvacated prior to the commencement of this case. If a joint petition is filed, report also any separate address of either spouse.NONE

16. Spouses and Former SpousesIf the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico,Puerto Rico, Texas, Washington, or Wisconsin) within eight years period immediately preceding the commencement of the case, identify the name of the debtor's spouseand of any former spouse who resides or resided with the debtor in the community property state.

NONE



Form 7 (10/05) West Group, Rochester, NY17. Environmental Information

For the purpose of this question, the following definitions apply:

"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous or toxic substances, wastes ormaterial into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to, statutes or regulations regulating the cleanup of these substances,wastes, or material.

"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or operated by the debtor, including, but not limited to disposal sites.

"Hazardous Material" means anything defined as hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant, or contaminant or similar term under an Environmental Law:

a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable or potentially liable under or inviolation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known, the Environmental Law:

NONE

b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous Material. Indicate the governmental unitto which the notice was sent and the date of the

tc personal bk statements

Documents

debtors troy allen coveycase

bthe undersigned

american general financepo

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compensation fornone

legal services

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bcthe compensation