# DOMINGA SERRANO SOTO

> United States Bankruptcy Court, D. Puerto Rico · July 18, 2013

URL: https://www.frixlaw.com/law-library/cases/11358322

## Case

- **Full name:** In re: Dominga Serrano Soto
- **Court:** United States Bankruptcy Court, D. Puerto Rico
- **Decided:** July 18, 2013
- **Opinion:** 100trialcourt
- **Cited by:** 0 later opinions in the Frix Law Library

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## Opinion text

1 IN THE UNITED STATES BANKRUPTCY COURT
FOR THE DISTRICT OF PUERTO RICO
2
IN RE: : CASE NO. 13-02084 (ESL)
3 :
DOMINGA SERRANO SOTO : CHAPTER 7
4 Debtor :
____________________________________:
5
6 OPINION AND ORDER
7 This case is before the court upon the Chapter 7 Trustee’s Objection to Claimed Exemptions
8 (the “Objection”, Docket No. 8), the Debtor’s Reply thereto (Docket No. 11) and the Chapter 7
9 Trustee’s [Sur-]Reply (Docket No. 12). The Chapter 7 Trustee moves for the denial of the Debtor’s
10 homestead exemption alleging that although the homestead deed was filed pre-petition at the Puerto
11 Rico Property Registry, it was not recorded or registered by the Property Registrar pre-petition,
12 which contravenes Article 9 of Puerto Rico’s Home Protection Act No. 195 enacted on September
13 13, 2011, as amended by Act No. 257 of September 15, 2012 (the “2011 PR Home Protection Act”),
14 and therefore fails to comply with subsequent Article 12. Conversely, the Debtor sustains that she
15 filed her homestead deed at the Property Registry pre-petition, which complies with the 2011 PR
16 Home Protection Act. The Chapter 7 Trustee also moves for the disallowance of exemptions on
17 personal property claimed under the general statute of Puerto Rico’s Code of Civil Procedure
18 without any reference to the specific subsection under which they are claimed. For the reasons
19 stated below, the Chapter 7 Trustee’s Objection is hereby denied in part.
20 Factual and Procedural Background
21 On February 14, 2013, the Debtor executed Deed No. 7 before Notary Public Jorge Figueroa
22 Ortiz (the “Homestead Deed”) declaring her principal residence as her homestead under the 2011
23 Home Protection Act. See Docket No. 12, pp. 9-12. The Homestead Deed was filed at the Puerto
24 Rico Property Registry on February 19, 2013. See Docket Nos. 12, p. 13, and 17, p. 4.
25 On March 18, 2013, the Debtor filed a voluntary Chapter 7 Bankruptcy Petition with its
26 corresponding schedules (Docket No. 1). Although the Debtor did not claim as exempt her social
27 security benefits in Schedule C (Docket No. 1, p. 24), she disclosed a social security monthly income
28 of $795 in Schedule I (Docket No. 1, p. 32).
1 The meeting of creditors was held on April 18, 2013 and closed on June 13, 2013 (Docket
2 Nos. 7 and 13).
3 On May 15, 2013, the Chapter 7 Trustee filed an Objection to Claimed Exemptions (Docket
4 No. 8) alleging that the Debtor failed to comply with the requirements of the 2011 PR Home
5 Protection Act and therefore her claimed homestead exemption should be disallowed. She further
6 argues that the exemptions claimed on the bedroom, dining room, kitchen utensils, living room,
7 oven, refrigerator, stove, TV, washing machine, clothes and personal effects were not listed with
8 sufficient particularity and thus should also be disallowed. The Chapter 7 Trustee also sustains that
9 in Puerto Rico there is no exemption for kitchen utensils, and therefore that exemption should be
10 disallowed. As to the social security benefits, which were not claimed as exempt in Schedule C
11 (Docket No. 1, p. 24), the Chapter 7 Trustee sustains that because the Debtor elected the Puerto Rico
12 exemption scheme, she is barred from claiming federal exemptions, and in any case, the Debtor did
13 not claim such exemption in Schedule C.
14 On May 20, 2013, the Debtor filed Amended Schedules B & C to correct the description of
15 the properties and to correct the claimed exemptions (Docket No. 9). In Amended Schedule C, the
16 Debtor claimed as exempt the social security benefits under 42 U.S.C. § 407 (Docket No. 9, p. 5).
17 On May 29, 2013, the Debtor filed a Reply to the Trustee’s Objection to Claimed Exemption
18 (Docket No. 11) alleging that Amended Schedule C (Docket No. 9) provides sufficient detail to claim
19 the exemptions listed therein. The Debtor further sustains that the exemption claimed for social
20 security benefits is proper under 42 U.S.C. § 407. As to the homestead exemption, the Debtor
21 argues that the Homestead Deed was filed at the Property Registry pre-petition on February 19,
22 2013, which complies with the 2011 PR Home Protection Act.
23 On June 12, 2013, the Chapter 7 Trustee filed a Reply to Debtor’s Opposition to Trustee’s
24 Objection to Claimed Exemptions & Renewed Objection to Claimed exemption filed on May 20,
25 2013 (Docket No. 12) arguing that the Debtor does not meet the requirements of Article 9 of the
26 2011 PR Home Protection Act, and thus her homestead exemption must be disallowed. In regards
27 to the bedroom, dining room, kitchen utensils, living room, oven, refrigerator, stove, TV, washing
28 machine, clothes and personal effects, the Chapter 7 Trustee insists that the Debtor has failed to
2
1 || provide the specific subsections of 32 L.P.R.A. § 1130 under which each exemption is claimed,
2 || which warrants the disallowance of the exemption. She also withdrew her objection to the
3 || exemption claimed on the Debtor’s social security benefits.
4 On July 9, 2013, the the Debtor filed a second Amended Schedule C (Docket No. 16) to
5 || specify the corresponding subsections of the Puerto Rico exemption statute under which each is
6 || claimed. The next day, on July 10, 2013, the Debtor filed a Sur-Reply to Trustee’s Reply to Debtor’s
7 || Opposition to Trustee’s Objection to Claimed Exemption and Renewed Objection to Claimed
8 || Exemption Filed May 20, 2013 (Docket No. 17) arguing that the second Amended Schedule C
9 || (Docket No. 16) provides sufficient specificity in regards to the exemptions claimed on the Debtor’s
10 || personal property. In regards to the homestead exemption, the Debtor reiterates that she complied
11 || with Article 9 of the 2011 PR Home Protection Act by filing the Homestead Deed prior to filing the
12 || instant bankruptcy petition. Furthermore, the Debtor asserts that Article 53 of the Puerto Rico
13 || Mortgage Law provides that the registration of the Homestead Deed will relate back to the date of
14 its filing.
15 Legal Analysis & Discussion
16 || (A) □□ Exemptions in General
17 When a debtor files a bankruptcy petition, all of his/her/its assets become property of the
18 || bankruptcy estate [11 U.S.C. § 541] subject to the debtor's right to reclaim certain property as
19 || exempt under 11 U.S.C. § 522. See Taylor v. Freeland & Kronz, 503 U.S. 638, 642 (1992). A
20 || property becomes exempt by operation of law when no objections are filed. See 11 U.S.C. § 522(1).
21 || But the mere fact that debtors claim an exemption does not necessarily mean that they are entitled
22 || to it, since there must be compliance with statutory requirements and then an order that effect. See
23 || 9A Am. Jur. 2d Bankruptcy § 1392; In re Gutierrez Hernandez, 2012 Bankr. LEXIS 2735 at *8,
24 || 2012 WL 2202931 at *2 (Bankr. D.P.R. 2012); In re Rolland, 317 B.R. 402, 412 (Bankr. C.D.Cal.
25 || 2004); In re Colvin, 288 B.R. 477, 483 (Bankr. E.D.Mi. 2003); Carlucci & Legum v. Murray (In re
26 || Murray), 249 B.R. 223, 230 (E.D.N.Y. 2000). Exemptions are an integral component of a debtor’s
27 || fresh start and thus are liberally construed. Hon. Nancy C. Dreher, Hon. Joan N. Feeney and
28 || Michael J. Stepan, Esq., Bankruptcy Law Manual § 5:34 (5" ed. 2012-2); In re Farr, 278 B.R. 171,

1 | 48 (B.A.P. 9" Cir. 2002) (exemptions aid a debtor’s fresh start by enabling debtor to emerge from
2 || bankruptcy with adequate assets); In re Toppi, 378 B.R. 9, 11 (Bankr. D. Me. 2007) (exemptions are
3 || liberally construed); In re Wegerzyn, 291 B.R. 2, 8-9 (Bankr. D. Mass. 2003) (exemptions should be
4 || construed liberally in favor of debtor to further the fresh start); Christo v. Yellin (In re Christo), 228
5 || B.R. 48, 50 (B.A.P. 1* Cir. 1999) aff'd 192 F.3d 36 (1* Cir. 1999), A “fresh start”, however, does
6 || not translate to a “head start”. In re Goldberg, 59 B.R. 201, 208 (Bankr. N.D. Okla. 1986). “The
7 || basis for exemption laws is that by providing a debtor to retain a minimum level of property, the
8 || debtor and his or her family will not be completely destitute and thus a burden to society.” Id. at
9 |} 208. “A fundamental component of an individual debtor’s fresh start in bankruptcy is the debtors
10 || ability to set aside certain property as exempt from the claims of creditors.” Allan N. Resnick and
11 || Henry J. Sommes, 4 Collier on Bankruptcy §] 522.01 (16" ed. 2013).
12 | (B) Legal Construction of Homestead Exemptions in Bankruptcy Proceedings
13 Homestead exemptions are to be construed liberally on behalf of the homesteader. In re
14 || Dougan, 484 B.R. 529, 534 (Bankr. D. Mass. 2013); In re Haseltine, 2007 Bankr. LEXIS 3449, at
15 || *4, 2007 WL 2932807, at *2 (Bankr. D.N.H. 2007); In re Rolland, 317 B.R. at 413; Garran v. SMS
16 || Fin. V, LLC dn re Garran), 338 F.3d 1, 6 (1* Cir. 2003); In re Arrol, 207 B.R. 662,665 (Bankr. N.D.
17 || Cal. 1997).
18 || (C) — Legal Construction of Puerto Rico Exemptions
19 A state’s! rules of construction must be followed by federal courts when construing state-law
20 || exemptions. See Goldman v. Salisbury (In re Goldman), 70 F.3d 1028, 1029 (9 Cir. 1995).
21 || Generally, federal courts must construe all exemption statutes liberally, in the debtor’s favor, “to
22 || reflect their remedial purposes.” Caron v. Farmington Nat’| Bank (In re Caron), 82 F.3d 7, 10
23 || Cir. 1996). Also see Shamban v. Perry (In re Perry), 357 B.R. 175, 180 (B.A.P. 1* Cir. 2006).
24 In Puerto Rico, exemptions are construed in the most liberal light to effectuate the
25 || humanitarian purpose of the lawmaker. Laguna v. Quifiones, 23 P.R. R. 358, 360-361, 23 D.P.R.
26 || 386, 389 (1916); Marty Pérez v. Ramirez Cuerda, 75 P.R.R. 808, 814, 75 D.P.R. 858, 864 (1954).
27
28 ' Puerto Rico is a considered a state for bankruptcy purposes pursuant to 11 U.S.C. § 101(52).

1 || Questions as to the applicability of a Puerto Rico exemption must be resolved in favor of the
2 |} exemption. Quintana v. Superior Court, 104 P.R. Off. Trans. Part I 26, 28, 104 D.P.R. 18, 20
3 || (1975); Marty Pérez v. Ramirez Cuerda, 75 P.R.R. 808, 814, 75 D.P.R. 858, 865 (1954). When
4 |] interpreting a Puerto Rico statute, its wording cannot be applied mechanically, but by exercising
5 || reason. See Pueblo v. Pagan Medina, 99 P.R.R. 731, 737, 99 D.P.R. 753, 759 (1971). Puerto Rico’s
6 || Supreme Court has refused to follow literal interpretations of a statute if doing leads to an absurd
7 || result that is not in accordance with its legislative intent. Pueblo v. Seda Alvarez, 82 D.P.R. 719,
8 || 725 (1961); Col. Ing. Agrim. P.R. v. A.A.A., 131 D.P.R. 735, 756 (1992); Municipio de San Juan
9 || v. Banco Gubernamental de Fomento, 140 D.P.R. 873, 884 (1996); Pueblo v. Zayas Rodriguez, 147
10 |! D.P.R. 530, 549 (1999).
11 | (D) ~~ The 2011 PR Home Protection Act and the Decision in In_re Pérez Hernandez
12 In In re Pérez Hernandez, 487 B.R. 353 (Bankr. D.P.R. 2013), the court ruled that under the
13 || 2011 PR Home Protection Act, as amended, when a Puerto Rico individual or head of family files
14 || for bankruptcy, he/she retains his/her homestead right throughout the bankruptcy proceeding if
15 || he/she complies with the requirements established therein unless he/she chooses to claim the federal
16 || exemption scheme afforded in 11 U.S.C. § 522(b)(2). The court also ruled as follows:
17 Articles 9 and 11 of the PR Home Protection Act distinguish between real properties
that are registered at the Property Registry and those that are not. The methods for
18 claiming the homestead exemption in both instances are different. In cases where the
real property is registered at the Property Registry, Article 9 governs the procedure by
19 which homestead is claimed. In cases where the real property is not registered at the
Property Registry or where the declaration of homestead has not yet been recorded or
20 annotated, Articles 11 and 12 will govern. Thus, when an individual or head of family
files for bankruptcy, he/she must disclose in Schedule C whether or not his/her claimed
21 homestead is or not registered at the Property Registry. Ifthe real property is registered,
he/she must show pre-petition compliance with Article 9 of the 2011 PR Home
22 Protection Act. If the real property is not registered, the debtor must submit with the
bankruptcy petition the sworn statement required in Article 12 of the PR Home
23 Protection Act, but instead of declaring that the real property was a principal residence
before the service of process of foreclosure, he/she must declare that the real property
24 was his/her pre-petition principal residence.
25 Compliance with the requirements of the 2011 PR Home Protection Act is essential to
properly claiming a homestead exemption in bankruptcy proceedings. Id. at 368.
26
27 || The foregoing must be read in conjunction with Puerto Rico’s Mortgage Law and its Article 53,
28 || infra.

1 | (E) ~~ Relation-Back Provision in Puerto Rico’s Mortgage Law
2 Article 53 of Puerto Rico’s Mortgage Law, 30 L.P.R.A. § 2256, provides a specific
3 |) relation-back provision for the registration of property interests pending to be recorded at the Puerto
4 || Rico Property Registry. Pursuant to Article 53, supra, the registration of any property interest by
5 || the Property Registrar relates-back to its filing date (filing entry). Id. As stated by the Court of
6 || Appeals for the First Circuit in Soto-Rios v. BPPR (In re Soto-Rios), 662 F.3d 112, 121 (1* Cir.
7 || 2011):
8 [A]t a minimum Puerto Rico law regards presentment to be a legally significant act
that initiates the certifying role of the Registrar, begins the process of registration, and
9 as previously noted, operates as the decisive point for resolving any competing
registrations in the same property. See P.R. Laws Ann. tit. 30, § 2256. Generally,
10 once presented, the registrar must pass Judgment on the documents within sixty days,
or some “just cause” period thereafter, and then either act to record them or alert the
11 applicant to any defect. See P.R. Laws Anna. tit. 30, §§ 2255, 2267, 2270-72. Indeed,
the registrar must keep detailed records to memorialize the very “moment of
12 presentation” by entering “the exact time of day” into the day book (filing entry). See
P.R. Laws Ann. tit. 30, §§ 2152, 2154, 2253. Such precision is required, of course,
13 because the filing entry is “intimately linked to the registry principle called rank or
priority”; the first filing entry prevails. Gasolinas de Puerto Rico v. Richard F. Keeler
14 Vazquez, 155 D.P.R. 652, 675 (2001).
15 Also see Luis Rafael Rivera Rivera, Derecho Registral Inmobiliario Puertorriquefio, San
16 || Juan, Juridica Editors, 3" ed. (2012), at p. 204.
17 Therefore, the court is not moved by the Chapter 7 Trustee’s argument that the Debtor’s
18 || homestead exemption should be denied because, as of the date of her bankruptcy petition, the
19 || Homestead Deed remains “to [be] qualified and a marginal annotation [has not been] made to the
20 || body of the property registration made by the [Property] Registrar as required by [the 2011 Home
21 || Protection Act]” (Docket No. 12, p. 6). In the instant case, because the Debtor’s real property is
22 || registered at the Property Registry, and because the Homestead Deed was filed pre-petition, upon
23 || the Property Registrar’s review of the Homestead Deed, he/she shall proceed to record it or alert the
24 || Debtor to any defect, if any, in accordance with Puerto Rico’s Mortgage Law. If no defects are
25 || found by the Property Registrar, pursuant to 30 L.P.R.A. § 2256, the registration of the homestead
26 || right will relate-back to its filing date, which in this case would be February 19, 2013, that is, pre-
27 || petition. Compare Docket No. 17, p. 4, with Docket No. 1. The 2011 PR Home Protection Act
28 || cannot be taken out of the context upon which all documents, including homestead deeds, are filed

1 || and recorded at the Puerto Rico Property Registry. Therefore, the Chapter 7 Trustee’s homestead
2 || objection is hereby denied. Also see In re Estrada Lopez, 2013 Bankr. LEXIS 2800, 2013 WL
3 || 3490920 (Bankr. D.P.R. 2013).
(F) How to Claim Exemptions in Bankruptcy
5 “In order to be effective, a debtor must specifically describe the property claimed as exempt
6 || and inform the value.” In re Roman Rivera, 2013 Bankr. LEXIS 2362 at *8, 2013 WL 2477277 at
7 | *3 (Bankr. D.P.R. 2013). Also see Nancy C. Dreher and Joan N. Feeney, Bankruptcy Law Manual,
8 || Volume 1 § 5:43 (2012-2), p. 1015. Thus, a debtor is required to list the property claimed as exempt
9 || on the schedule of assets that must be filed with the bankruptcy petition. See 11 U.S.C. § 522(1);
10 || Fed. Rs. Bankr. P. 1007(b), 1007(1)(b) & 4003. A party in interest or the trustee may file an
11 || objection to the list of property claimed as exempt within 30 days after the meeting of creditors held
12 under 11 U.S.C. § 341(a) is concluded or within 30 days after any amendment to the list or
13 || supplemental schedules is filed, whichever is later. Fed. R. Bank. P. 4003(b)(1). If an interested
14 || party fails to object to a claimed exemption within the time allowed, the subject property will be
15 || excluded from the bankruptcy estate even if the exemption’s value exceeds the statutory limits. 11
16 || U.S.C. § 522(1); Taylor v. Freeland & Kronz, 503 U.S. 638, 643-644 (1992). In the instant case,
17 || there is no dispute that the Chapter 7 Trustee’s Objection 1s timely.
18 In Schwab v. Reilly, 130 S.Ct. 2652, 2668 (2010), the Supreme Court held that the time
19 || limits for objecting to an exemption do not apply if the claimed exemption is “valid on its face”.
20 || Schwab’s analysis rests on the determination that Section 522(a)(3)(B) defines the “‘property’ a
21 || debtor may ‘clai[m] as exempt’ as the debtor’s ‘interest’ —up to a specified dollar amount-— in the
22 || assets described in the category, not as the assets themselves.” Id. at 2661-2662 (citations omitted).
23 || Under the Schwab doctrine, treating the entries as exemptions of an in-kind interest would violate
24 || the Bankruptcy Code’s limits and fail to account for the distinction between exemptions that include
25 || a monetary cap and those that allow debtors to exempt property regardless of value. Id. at 2663,
26 || n.10. Thus, Schwab mandates that exemptions be claimed “in a manner that makes the scope of the
27 || exemption clear”. Id. at 2668. In Massey v. Pappalardo (In re Massey), 465 B.R. 720 (B.A.P. 1*
28 || Cir. 2012), the debtor did not assign a monetary value to the claimed exemption for his car and

1 || residence in their Schedule C, but rather claimed “100% of FMV [Fair Market Value]”. Id. at 721.
2 || The Chapter 13 Trustee timely challenged those claimed exemptions alleging that they were
3 || improper. Id. at 722. The Massey Panel adopted the analysis in In re Salazar, 449 B.R. 890 (Bankr.
4 || N.D.Tx. 2011), where the court posed two possible solutions to dealing with this type of claimed
5 || exemptions. First, the court may hold an evidentiary hearing on the value of the debtor’s
6 || exemptions. At such a hearing, the debtor has the initial burden of showing a plausible basis for the
7 || claim that “100% of FMV” of an asset falls within the statutory limit on the amount that may be
8 || exempted under Section 522. In accordance with Schwab, if the objection is overruled, the asset
9 | claimed will no longer be part of the estate, but if the objection is sustained, the debtor must forfeit
10 || the value in excess of the statutory allowance. The second approach is for the court to “simply
11 || declare that an objection to an exemption claim of ‘100% of FMV” is a facially valid objection
12 || because the debtor has failed to claim a set amount as contemplated by the exemption statute
13 || allowing the exemption.” Salazar, 449 B.R. at 897. In this situation, the court will sustain the
14 || objection “unless the debtor amends his exemptions to claim a dollar amount for his exempt interest
15 || in the property.” Id. at 897. The Salazar court adopted this approach [Id. at 902], and the Massey
16 || court held that said approach “best recognizes the reasoning in Schwab”. Massey, 465 B.R. at 728.
17 || Under either scenario, Fed. R. Bankr. P. 4003(c) mandates that “the objecting party has the burden
18 || of proving that the exemptions are not properly claimed.”
19 “In any event, the debtor should clearly describe the object and its value especially where
20 || the statute limits the dollar amount of the exception, or where the debtor owns more than one of the
21 || objects.” Jay M. Zitter, J.D., Jewelry and Clothing as Within Debtor’s Exemptions Under State
22 |) Statutes, 44 A.L.R. 6" 481, § 3 (2008).
23 Exemptions must be listed separately with sufficient detail to put the trustee and the
24 || interested parties on notice of questionable claims. See In re Doyle, 209 B.R. 897, 901 (Bankr. D.
25 || Ill. 1997). Generic categorizations of claimed exemptions do not provide adequate notice of the
26 || property claimed exempt. See In re Wenande, 107 B.R. 770, 772 (Bankr. D Wyo. 1989). It is
27 || incumbent on a debtor to specifically identify and value each item claimed as exempt with
28 || particularity. See In re Wright, 99 B.R. 339, 341-342 (Bankr. N.D. Tex. 1989). A debtor’s claim

1 || of exemption without citing the specific statute serving as the basis for the exemption and/or failure
2 || to estimate value of property or properly list the property is improper and insufficient. See In re
3 || Dickson, 114 B.R. 740, 742 (Bankr. N.D. Okla. 1990). As explained by the Court of Appeals for
4 || the Seventh Circuit in Payne v. Wood, 775 F.2d 202 (7" Cir. 1985), cert. denied, 475 U.S. 1085
5 || (1986):
6 It would be silly to require a debtor to itemize every dish and fork, even to list the
electric knife separately from the crock pot. The necessary degree of specificity varies
7 with the value of separate listings.... The requirement that the debtor list the property
serves at least two functions. One is to settle claims of title, so that on the day of
8 discharge everyone knows who owns what. The other is to allow the trustee to decide
which claims to challenge. Debtors are not perfectly trustworthy, and unless the claim
9 of exemption contains sufficient detail to put the trustee on notice of questionable
assertions, it will not be possible to administer the statutory scheme. Cf. In re
10 Friedrich, 100 F. 284, 286 (7 Cir. 1900) (“much abuse of the beneficent law allowing
exemptions might arise if, with respect to a general stock of goods, the debtor should
11 be permitted to place upon selected articles his own estimate of value”).
ve
The aggregation of “furniture” and “dishes and small appliances” therefore ordinarily
13 would be enough to exempt all items in these categories. Yet ordinarily is not always.
The debtor must furnish enough information to put the trustee on notice of the
14 wisdom of further inquiry. The trustee, who protects the interests of the creditors,
then may make a calculation of the benefits of more detailed listing in each case, and
15 he may ask the bankruptcy court to require the debtor to do more.... When the debtor’s
listing withholds information that the trustee may find helpful, ...a categorical claim
16 of exemption should not be honored beyond the value the debtor attached to the
category. After all, property passes to the estate automatically, and it is the debtor’s
17 burden to make out the claims of exemption with adequate specificity. 775 F.2d at
205-206 (emphasis added).
18
19 In the instant case, Schedule C and Amended Schedule C (Docket Nos. 1, p. 24, and 9, p. 5)
20 || lacked sufficient particularity as to which subesctions of Article 249 of Puerto Rico’s Code of Civil
21 || Procedure, 32 L.P.R.A § 1130, the exemptions on personal properties were being claimed, and thus,
22 || the Chapter 7 Trustee’s objection thereto is proper. Notwithstanding, on July 9, 2013, the Debtor
23 || a second Amended Schedule C that matches each claimed exemption with a specific subsection
24 || of Article 249 of Puerto Rico’s Code of Civil Procedure, supra. The court finds that the second
25 || Amended Schedule C (Docket No. 16) satisfies the degree of specificity required by case law.
26 || Consequently, the Chapter 7 Trustee is hereby ordered to reply to the second Amended Schedule C
27 || (Docket No. 16, p. 5) within the next 14 days. Ifno objections are timely filed, the court will grant
28 || the personal exemptions claimed therein.

1
2 Conclusion
3 In view of the foregoing, the Chapter 7 Trustee’s Objection (Docket No. 8) is hereby denied
4 || as to the Debtor’s homestead claimed exemption. The second Amended Schedule C (Docket No.
5 || 16) satisfies the degree of specificity required by case law. Consequently, the Chapter 7 Trustee is
6 || hereby ordered to reply to the second Amended Schedule C (Docket No. 16, p. 5) within the next 14
7 || days. Ifno objections are timely filed, the court will grant the personal exemptions claimed therein.
8 SO ORDERED.
9 In San Juan, Puerto Rico, this 18" day of July, 2013.
10
Sbrvrulle
12 Aten Tanoutte
United States Bankruptcy Judge
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Source: Frix Law Library, https://www.frixlaw.com/law-library/cases/11358322. Public record. Not legal advice.