Welcome

 

  • Explore four world-class museums presenting the art, history and culture of the Native American Southwest, the Spanish colonial past, and folk traditions from around the world.
  • Dine
  • Shop Browse the shops in all four museums and discover unique treasures found nowhere else!
  • Ride the convenient “M” bus between Museum Hill™ and the Santa Fe Plaza and enjoy a truly inspiring look at the city’s distinctive neighborhoods.

endofthetrail[1]Pottery of the U.S. South:
A Living Tradition

In the Bartlett Gallery
Through January 3, 2016

Pottery of the U.S. South: A Living Tradition presents traditional stoneware from North Carolina and northern Georgia—current works characterized by earthy local clays and surprising effects of wood firing. Rooted in British and German ceramic traditions and once crucial to Southern agrarian life, Southern pottery today remains vital, a distinctive art form through which potters actively engage with their region in ways both old and new. As museum visitors explore these ways, they are invited to consider for themselves the dynamics of a living tradition. (Photo: Wood-fired, salt-glazed jugs by Chad Brown (left, 2011) and his great-great-grandfather W. H. Crisco (right, 1880s), Seagrove, North Carolina. Museum of International Folk Art, IFAF Collection. (FA.2012.24.5, FA.2013.57.1) Photo: Addison Doty)


Wooden Menagerie: Made in New Mexico

In the Hispanic Heritage Wing
Through February 15, 2015

WoodenmenagerieThis exhibition celebrates the rich Hispano folk tradition of animal wood carving in New Mexico and the continued influence on the national and international scene. During the Work Progress Administration (WPA) period of the 1930’s, the traditional arts of the region gained resurgence through federal programmed that trained and employed New Mexican folk artists0, In 1936, Patrocino Barela’s expressionistic woodcarvings created under the auspices of the Federal Arts Project were a part of New Horizons in American Art at the Museum of Modern Art in New York. The wood carving tradition continued into the 1960’s primarily for the tourist trade with classic carvings of burros and oxen drawn carts. During this time artists started experimenting with recycled materials and common household paint. The Museum of International Folk Art gratefully acknowledges the following donors for their support: The International Folk art Foundation, The Museum of New Mexico Foundation, Newman’s Own Foundation and the Museum of New Mexico Exhibitions Development

How to feel okay with the elo boost service you select

Did you ever learned about elo boosting? This is a fact that is recognized that it’s linked to the league of legends. With minimum amount of time you’ll be put in the league of large players. However you have to go for elo boosting hiring in order to increase your rating in the league of legends. Seasoned players of legends’ league are employed for elo boosting. It is possible to improve your ranking together with the elo boosting. Nonetheless it’s not simple to find elo boosting solutions that are selecting. You should take care of the information on the institution as a way to employ them for elo boosting.
Elo boosting selecting solutions focus on the challenger tier. In case the elo boosting selecting services move for reduced tier booster afterward high ranking of the the gamer is unable to be guaranteed. So it is best to employ a high division player from the challenger tier so that you can boost a player’s account. It is not worse to go for an elo boosting hiring support that’s unattributable. This way the the gamer as well as booster’s id may remain a mystery. It will impossible to know about such boosters. The player’s friend list should not be talked to by the booster so that you can keep a whole solution being boosted by the. A booster that fully understands the security and seclusion of the gamers should be looked for by Elo boosting services that are selecting.
The account of the participant must be obtained by way of a powerful VPN to avoid recognition from the league of legends’ functionaries. With the VPN’s help it is not impossible to boost an account without any difficulty. The the gamer should be assured by the booster about the position in the elo system that is ranking. Consequently a booster that’s precise with the estimate of the rank should be gone for by elo boosting hiring services. The booster must have degree information about various divisions of league of legends.The elo should checks communication skill of the booster boosting hiring services. The booster has to stay in continuous contact with the player in order to increase the position of the account. They should be accessible to the player 24X7. The the gamer can be interested from your elo boosting services to take coaching, by communicating together with the booster. Familiarity with the booster may be disseminated in this process. Different things can be learnt by the player from a high division’s booster. It is going to assist the player to enhance the grade of the game in legends’ league.
A booster is paid by Elo boosting services that are hiring in accordance with the skills. Accountability of the booster will increase, if a booster can boost a division within an individual day afterward. Therefore it’s feasible to win a great deal of money together with the job that is boosting. As an experienced booster in the league of legends, display of the previous boosting needs to be submitted as well. There’s dual responsibility of a booster. It’s possible with the aid of the elo boosting selecting services to become coach and booster.
Sell win lol is regarded among the most effective ways to make sure high position in legends’ league. The elo boosting site will likely be playing along with your account until it can provide you 10 more win than loss. The current rating system of the league of legends is now very difficult to choose at a cost of the elo boosting service expected to change in it.

Interested in Binary Options?

While in the recent years, binary options
trading has not been extremely unpopular among normal individuals who
are interested by these phenomena in economic markets and forex traders
but in addition not merely investors.

Binary selections are
exchanged in the manner of more restricted risk than trading in forex
due to the undeniable fact that if you buy a binary selection location, a
deal is created which allows you to have a to obtain a safety resource
in the value in the given time. In other words, investors have the
ability to not be unaware of the risk they are taking by entering the
position in those days than they consent to spend and there will not be
any-more loss.

The rules are extremely straightforward, (i) the
option is placed “in the money” when the access stops or expires above
the strike price in a contact choice or below it in a put (ii) a choice
is placed “out of the money” if it expires beneath the attack price in
call selection or above it in a set.

Usually the payout is
between 65% upto 90% depending on which assets you are trading on and
which trading instruments. A refund solution is also often of 5 to 15%
of the purchases for anyone expiring out from the income. While you
notice, binary choice trading is simple and straightforward to
comprehend. You’ll find ofcourse dangers for losing your assets but this
is thought to be a large source of creating gains within just a couple
of minutes occasionally a good couple of seconds.

Listed here are some important methods for trading in selections that needs to be great for you to start making in a superb:

First Tip Slowly Slowly

If
you are a rookie in binary choices, the idea that you should remember
is always to get started to enter your financial ventures in a gradual
and continual step. The original expense must be a small quantity as
much as $100 since it will help earnings to be made by you slowly but
slowly. BY gaining more experience you must bear in mind putting a lot
although you might want to invest larger sums could be a risky
investment.

Second Tip – Info Savvy

Despite the fact that
trading is not difficult and straightforward, traders should begin their
trading after performing right study and research of the machine. They
should become well-informed around the common market circumstances and
study a range of components that effects the market. There are lots of
sites, application, maps, and updates which are great resources for
understanding the position of industry of info.

Third Idea – Choose Brokers

Another
simple method for accomplishment in binary options trading will be to
choose binary choices agents that are great. Some agents are well known
than others and have excellent reputations in specific resources. You
acquire some more recommendations on where you need to trade-in and can
take a peek at our Agent Reviews.

Hint – Moment that is next and Commission%

Enough
time factor needs to be considered along with payment %. At choices,
there are selection of trading instruments with each belongings/trading
instruments have its own payment % based on how risky the assets are and
various final time. Like, the trading instrument named “60 Seconds” has
just one second to get rid of your entry after placing your
opportunities as well as the commission % tends to be below additional
trading instruments such as Superior/Reduced as it probably will acquire
rather easier in “60 Seconds” than other kinds. Consequently you should
be always keeping in your mind what trading circumstances you are at
today.

More info about Binary Options.
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Benefits of having a custom website design.

Custom website designing is a serious business. Countless websites are created everyday and very little of these website owners are aware of the complexity of its designing. With the common use of internet, the competition is you need to stand out in order to make an impact on your viewer. Template based designing is always an option for web owners but it never paved the way to creativity and uniqueness ; they have limited layouts and you can’t expand your ideas or introduce extra features in it. A website must be designed in a way that it impresses the audience on the first look. It I not only beneficial for the website but the whole company or brand you are broadcasting. A website is a platform that helps you display your product or ideas, so it needs to create a good impression. Custom website designing can help you achieve that target. A customized web design is the building of web content and integrating it with your branding.

Innovation through custom website design

Custom website design gives a website a unique and creative design. If you choose the right custom website design company they will assist you through the building process of the website and will give it an innovative design. You can use your creativity and their experience to produce a website that is better than your competitor’s. Custom design allows you to place your desired features and services that suit your website in any formation. With different and better design, content, quality services and products, you can stand out among other websites. If you are looking to create a corporate identity, it is only possible with custom web design. With innovative styles and creative ideas you can give your website a separate identity that complements the nature of business you are broadcasting.

Technical and visual benefits by custom website design services

Custom design is not only preferred because of its uniqueness, it provides technical and visual superiority when compared to readymade template designs. A reliable website design company also uses latest technologies which keep the website fast in its working and compatible with all major browsers. With web development techniques such as SEO, the website gets high ratings in search engines generating more traffic. Professional designers always make sure that the content and design is user friendly making the website attractive and efficient in its working.

A custom website design is extremely beneficial for people who want to create a serious online presence. If you want to avail these advantages then hire a reputable web designing company to assist

Straightforward Advice On Identifying Central Details For Urine

Take note that that Orlando Drug testing services have assorted similar services which may be proven useful when it comes to background checking of any individual.
This looks to be the most effective means as of now if the sample is maintained at the right temperature and delivered within the right timeframe.
Sometimes, urine sample is examined more precisely with the help of other testing devices.
The institution wants to ensure that you are completely devoted and committed to your work and interest.
You can avoid the intake of contaminated products even after you must have bought from a reputed druggist.

If you would like to know that where to get drug test kits for an affordable price, then the best way is to purchase them online.
On the other hand with hair drug test it is seen that only long term usage can be found.
Why does the union object? People might have started taking medicines for excitement, pleasure, urine to scale back loneliness and depression and a few to exhibit their trend symbol and caliber to their pals.
So this thing is not going to discriminate between anything, because it’s not chiral anymore.
Urine drug test is one of the most common forms of drug test frequently used by employers to detect drug addiction level of their employees. To find out more with this kind of area please go to passyourdrugtest123
It is virtually impossible to succeed in passing a drug test if you have used narcotics the same day as the screening.
In such case, testing should be performed with new strip.

The answer to that, not to complicated, yes, it’s pretty well established that employers have an interest in making sure their cashiers aren’t on meth. For more examples on this particular matter go to the following address #link2#
The words No thanks, my parents test me stop pushy peers in their tracks.
For conducting a drug test the most common methods used are the urine test, hair follicle test, and saliva test.
Botox was being used to help weaken the vocal cords.
They’re all of Rio Ferdinand, and they’re all very good.
Spit or drug tests that are based on oral fluids are becoming more common due to their convenient procedure.

While this might seem like a strange correlation, it actually is a compelling reason for children to say no. Passing a drug test can be stressful. To learn how to pass a drug test visit whitefishvisit
What is the cut-off point in nanograms per milliliter of the fluid being tested that determines if a driver is under the influence, and arrestable, taking into account tolerance levels as well?
Hair Follicle test3. Saliva or Mouth fluid testThe common ways to pass different drug tests:The following are the common ways that can be used by the drug abusers to pass a drug test.
It can detect cocaine, heroin, cannabis, amphetamine, and methamphetamine.
If the worker fails the drug test, it may cause him/ her to be suspended from the job.
Drug problem is the problem of humanity and for the whole race of human being.
Work place drug testing is required because employers do not waste their money and project on such human power which does not make any profit for him.

A state senator from Metro Atlanta and a state representative from South Georgia want to implement mandatory drug testing for people who receive aid from the state.
Along with large water consumption, exercise, and use dry sauna heat to expel the toxins in the body, taking care that exercise should be stopped at least two days before the test.

How Towards Explain to If A Gentleman Likes On your own

For all those who’ve by no means read of it just before, your heading towards believe I am nuts yet the Baking Soda hair clean treatment is a womens ideal pal within just the circumstance of hair treatment. A baking soda hair clean will apparent out the additional material, consider absent impurities, and fresh your hair superior then any pricey substance upon the industry.

Expensive Mighty Mom, My sister and brother are detailed upon my mother’s will as Trustee and Inside of Have faith in, for the $1 million inheritance. Therefore obviously the dollars is previously theirs? and considering that my spouse and I do not glimpse in the direction of exist and basically all our correspondence for the remaining 2 many years contains been missed, it’s doubtless that they do intend in direction of electric toothbrush reviews hold the inheritance for on their own. My sister is made up of currently threatened toward sue me and there’s a everyday living of jealousy versus her inside guidance of me, and my brother simply just doesn’t treatment. Because of for any recommendations, we are within just Australia.

Are your self ready toward locate a holistic or minimally-invasive dentist within your spot? On your own may possibly browse a pair of the guides upon enamel remineralization, generating your patient enamel paste or powder, or screening the distinctive enterprises for holistic dentistry.

As a minimal, I seem By yourself should towards compose a e-book more than what astonished on your own in direction of do what by yourself did and just how by yourself worked the method and the course friggin easy it’s in direction of fraud outdated us citizens. That may well be a productive piece of creating. Yep. Lovely messed up. No my father and mother. And the dad and mom in just surprise did not bundle with the daughter who did this including shit. All within just her twisted thoughts. Nonetheless I’ve lived it and consist of invested tens of 1000’s of my particular economical in direction of safeguard my mom-within-regulation. For maintaining her dignity. It’s been certifiably mad.

Hi there, Leah. That is specifically what took place towards my son. Within November his grownup bottom enamel begun towards occur within just guiding his boy or girl enamel. He did not drop the entrance little one teeth until January. As a result of the season we found the dentist 2 months in the past, his mouth was a massive variety. The dentist proposed a stop by toward the orthodontist for a instant feeling; the orthodontist agreed his teeth incorporate been a weighty variety, and hence once again towards the dentist for the extractions. It incorporates been a hectic (and pricey!) thirty day period. Very good luck together with your son’s mouth!

Oneself genuinely should in the direction of consider into account getting criminal move in direction of take away your sister as POA and location the being trust fiscal into independent, experienced fingers. She contains proved herself in direction of be negligent inside of her responsibilities.

The Tasks Of Emergency Plumbers In Palms Sixth Avenue

If you desire to be fully aware of the things that you can ask the plumbers to perform for Palms at Sixth Avenue, then you will simply need to read this article until the end. If you do that, then you will be preventing yourself from sounding like a fool when you are having a conversation with a representative from the repair company. It can be as easy as that.

First, see the things that they will be able to do with a broken faucet. If you are satisfied with the work of emergency plumbers, then you already have a reason to work with them in the long run. You are really prohibited from letting these people go since it is basic to see that they are one of a kind.

If you have broken pipes with you, then allow these people to check on them before matters can get worse in your humble abode. Keep in mind that water can do a great deal of damage on the home that you have worked so hard on. Thus, prevent that from happening to you as much as possible.

These people have the capacity to give you the cleanest sewage system that you ever had. If you have doubts on that statement, then feel free to ask for some reviews that you can look into. If those things cannot still put your mind to ease, then there is a great possibility that you are freaking out for nothing.

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They would be able to fix all of your leaking problems. You would just have to be very precise with the initial description of the situation at hand. If you would perform your part, then these people would be able to conduct their job. They would not be asking for you assistance and that is a good thing.

If you want to have an installation procedure to be done to your home, then you have to make sure that you already have everything that will be needed for the process. If this is something that you have never done before, then you can ask for the insight of your neighbors from Palms Sixth Avenue cluster houses. That is how it is.

If there is a heating system that you want to be taken cared of, then there are actually more things that you need to take care of. Be reminded that this thing is going to provide the heat for your entire home. If you are successful with your entire team, then your family will surely thank you for all of your hard work.

If there is something wrong with your heating units, then let them be checked by the people whom you chose to trust. Yes, it is perfectly fine to let go of your reigns even for a little. That is how you can get things done and get what you want.

Overall, make an effort in looking for the right prospects in your large group of candidates. It may take you a long time to do this task but that does not matter. Just stay dedicated with this.

You can visit the property website for more helpful information about The Tasks Of Emergency Plumbers In Palms @ Sixth Avenue.

Superior: An elo boost like you’ve never seen

At times while enjoying with the League of Legends, you clamped or are stuck in one place. You desperately need help from masters and specialists to assist you to scale the ranks and get the best when it concerns your playing needs. It is here that on the Internet, you will find the presence of sites that are reputable to help and assist you to become a League of Legends victor.Websites that are secure for an elo boostThe websites that enable you to shine in your League of Legends effort. Here, you can obtain help in the shape of pros that ensure you receive the best for the gaming requirements. You are able to rise up the positions and learn winner or the rune you’ve got chosen to play. You just need be a member and to enroll in the web site. After you have become a member you will be directed into a profile account where you could efficiently get the tools and options for climbing higher in the game. The professionals who play for you are Victor and Diamond gamers themselves. They are skillful with the abilities of the game and it is the reason why they’re tremendously turned to getting significant ranks to when it comes. There’s one expert participant for one account. This is meant with the objective of protection and safety. It is dangerous for a lot of gamers to obtain one account in your stead and that is why you’re allocated only one player. This and also many cooks spoil the broth can be damaging if your personal information is released outside to resources that are unauthorized.
Just take Care and Choose WellYou have to ensure that you simply select well and simply take attention, when you’re trying to find legitimate and dependable sites on your wants. There are a lot of websites on the web which you will be tempted to get the first one that comes to sight. This really is an unwise step and so before you become a part of any website and register, it’s quite important for you to understand what you really need and choose the site that suits these desires the most.elo boost Web sites At Your ServiceThe enrollment process doesn’t take long and is easy. The champ is designated and you’ll be offered via which it is possible to make purchases in the sport, factors to some ip address. Together with the aid of the aforementioned website, you slowly shift to your posture that is desired from your current location. This means you stuck in the location you began with and are ranked effectively.
 In situation, you can-not , there are websites constantly at your assistance to help you. They must be selected with care to give the desired consequences to you. Reviews and evaluations of the internet site gives you an insight to trustworthiness and the credibility of the site.
MMR boosting can recognized as staff through win trading if the participant gets an elo boost. It can be viewed as elo boost if another player performs for a fellow staff member then. A third party can be employed in this manner as well. It really is possible through MMR boosting website to acquire this form of services. In this way a player can attain a benefit from legends’ league.

How to pass a drug test with simple tricks?

Are you ready to take a drug test? People who have decided to take the drug test immediately are suggested to focus on the essential matters. Passing the test is not an easy job. You will need different steps and methods to identify the best approaches telling how to pass a drug test. In most of the cases these tests become difficult for the people. It is recommended to identify the little tricks and techniques having some potential to help the candidates. There are some certified techniques being used commonly for this simple purpose.

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Identify the test method:
Basically, different drug tests are used to measure the presence of drugs in the body. The pee test or method is very common in USA. Remember, this method is basic that’s why it is required to focus on the simple approaches. The analyst needs a sample of pee in a plastic bottle. Consider the importance of this method. It is recommended to focus on the simple technique to give the sample. Don’t put the initial pee in the bottle. Start and end of the pee is considered dangerous. Pee in the toilet and then stream it into the plastic bottle or cup. This method should be utilized in order to give a proper sample. This sample will represent the true level of drugs present in the body.
Be smart and drink water:
Take care before you enter in the toilet. It will be better to drink some water at least 1 hour before. This method is very tricky because it is known to reduce the level of metabolites in the pee sample. It has been noticed that using the excessive water always helps the people to pass the drug test. How to pass a drug test quickly? It is recommended to use the water as mentioned in this discussion. It will help you to dilute the metabolites in the water.
Aspirin is also useful:
Do you know aspirin also knows how to pass a drug test? This tablet is very useful to increase the blood circulation in the body. Increased blood circulation is known to create more digestion of fluids and materials. It increases the rate of metabolism as well as other important biochemical reactions. It is necessary to try this method at least 1 hour before taking the test. Don’t be worried about the residual effect of the aspirin. It is not dangerous for the body. See http://passadrugtest.com.au for more info on aspirin.
Urine cleaning is not recommended:
Mostly the people try to use the urine cleaning. This method seems useful but there is no link of urine cleaning with the discharge of drugs from the body. You are suggested to save your money. There is no need to waste the money. Don’t purchase commercial products known best for urine cleaning. You need to focus on the natural methods and tricks. Forget all the tensions. You can easily explain how to pass a drug test. Keep the interesting instructions mentioned in this article whenever trying to explain useful tricks.

Quit Smoking – How to Deal with the Side Effects

Dealing with the side effects of smoking cessation is not easy, but it’s possible to overcome them if you’re determined enough to stop. If you’ve been
smoking for a long time, quitting smoking is one of the most difficult things to do as nicotine is an addictive substance. Overtime, smokers become
psychologically and physically addicted to nicotine and they may experience negative side effects within hours of quitting.

Some of the most common nicotine withdrawal symptoms are loneliness, boredom, mild depression, anxiety or increased appetite as there’s no nicotine to keep
their blood sugar levels high. Try to stop smoking as soon as possible. They may also become short-tempered or angry as they constantly try to quit smoking or have sleep problems like poor quality
sleep or insomnia that can lead to fatigue. Mood swings are also common among smokers who quit smoking. They may have trouble concentrating, feel depressed
or become irritable.

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While it is hard, it’s possible to overcome the side effects of quitting smoking. When you’re feeling dejected, always remember that what you’re feeling
will last for only several days and the health benefits you can get from it will help you stay healthy for life. If motivation alone is not enough, there
are programs and products out there that can help you quit smoking. Some of these are:

NRT or Nicotine Replacement Therapy

Nicotine nasal spray, lozenges, nicotine patches, nicotine chewing gum and nicotine tabs are some of the products used in NRT. These products aim to
provide nicotine externally without the other harmful chemicals that are present in cigarette smoke. You need professional advice. Since the body obtains its nicotine dose, you no
longer feel your cravings for nicotine. NRTs, however, contain nicotine, so a certain danger of re-addiction is possible in this method.

Counseling

A professional counselor can teach you tricks and tips to avoid the temptation of smoking again. He can also help you stay motivated by telling stories of
those who’ve quit smoking successfully and by listening to your problems.

Aside from these programs and products, eating a well-balanced diet is also one of the best ways to deal with the side effects of quitting smoking. You
should drink lots of water to flush out toxins from the body and try to keep yourself as busy as possible. Exercise regularly and avoid situations or
people that tempt you to smoke. Smoking has been proved to be harmful by the government. Spending time with your family and friends is also a good way to divert your attention into something more beneficial.
Having their support can keep you motivated to continue your goal of quitting smoking.

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The intensity of nicotine withdrawal symptoms depend on the number of cigarettes you’ve been smoking every day and how long you’ve been smoking. Those
who’ve been smoking most of their life will experience intense withdrawal symptoms.

Your motivation level will also determine how strongly you’ll be affected by withdrawal symptoms. If you’re determined to quit smoking, it will be easier
to handle the side effects. Using quit smoking aids can also help, but it’s still recommended to ask your doctor first to avoid any problem that may only
make things worse.

just because a Chapter 7 may be a solution

AND… just because the amount you’d have to pay monthly to creditors that remain after Chapter 7 can be handled with relative ease does NOT necessarily mean that handling those same debts would’t be more affordable if a Chapter 13 had been filed. Learn more about bankruptcy at http://ghentwebvalley.com/?p=87.
THEREFORE… just because a Chapter 7 may be a solution to your financial problem does NOT necessarily mean it’s your best solution. 
What’s being questioned here is when a Chapter 7 is a viable solution to your financial problem could a Chapter 13 possibly provide you with an even greater benefit? 
COMPARISONS 
A fair comparison requires the same set of circumstances and choices be present. If you choose to: retain or surrender the collateral to a secured creditor; whether you choose to pay or not pay a co-signed obligation and which debts you would still pay after a Chapter 7 by choice or by law would all need to be addressed from the same perspective. Everything would need to be as identical as possible for comparison purposes. Check out http://ceicom.org/?p=134 to resolve your bankruptcy woes.
The comparison should be based on three factors. Initially there are the ‘non-financial’ aspects of filing a Chapter 7 or a Chapter 13. Those differences should be understood, compared and considered as a serious part of the decision making process before filing bankruptcy. 
COMPARSION # 1 
“What ‘non-financial’ aspects should be considered when comparing Chapter 7 and Chapter 13 to one another?” Get the answer at http://julesjacobs49.edublogs.org/2014/10/24/primary-advantages-to-chapter-13-in-utah/.
PRO-CHAPTER 7 (NON-FINANCIAL) REAL ESTATE MORTGAGES 
 1. Mortgage balance(s) and monthly payment(s) owed on real estate the debtor wishes to retain which is not secured by any equity based on the current market value of the property when compared to the amount(s) owed to any senior mortgage(s), plus any 
 2. Delinquency owed on that/those mortgage(s) in number 1 above. 
 Z2A2 TOTALLY OR PARTIALLY SECURED REAL ESTATE DEBT 
 3. Balance(s) and monthly payment(s) to mortgage(s) owed on real estate which is/are totally or at least partially secured by equity in real estate the debtor wishes to retain, along with any 
 4. Total amount of delinquency owed on that/those mortgage(s) in number 3 above, and/or any 
 5. Total amount of delinquency owed to real estate property taxes on that/those property(s) in number 3 above, and/or any 
 6. Total amount of delinquency owed to a Home Owner Association Dues on that/those property(s) in number 3 above. 
REAL ESTATE SECURED DEBT 
Real estate debt (mortgages) must all be addressed when preparing a Chapter 13 Plan of Reorganization. How the Plan proposes to treat secured mortgage creditors vary depending on a variety of circumstances including whether the mortgage is secured by your residence or property that’s not your principle residence. Do you want to keep or surrender the property? Is the mortgage current or delinquent, has a Notice of Default been filed, has a foreclosure begun, has there been a ‘sale date’ set? What’s the current market value? Have you applied for a Mortgage Modification? If so, has the ‘Probationary Period’ expired? How many mortgages are there on any one specific property? Are they all secured or is there a mortgage that is totally unsecured? Is there equity to protect? Is the equity within the exemptible limits? Does the mortgage payments amount represent interest only, is it a fully amortized loan, is it an adjustable rate mortgage and does it include an impound account? Are there others who have a partial interest in the property? Who’s on the Deed, who’s on the Note?