Ryne Files His “Repayment Plan” at 4:59 PM – Because 4:58 Was Too Early

Well, folks, the moment we’ve all been waiting for finally arrived—at the literal last second. Ryne Vitug, the man child who turned “book a trip” into “book a federal investigation,” slid his Chapter 11 Subchapter V repayment plan into the court’s inbox at 4:59 PM yesterday. That’s right—cutting it so close, the timestamp might as well say “Filed: Just Before the Judge Went Home.”

In this 22-page masterpiece of optimism (scroll all the way to the bottom for a copy if you are a reader), Ryne admits he owes over $1 million from the “Vitug Travel” disaster. (We, of course, know the real number is closer to $2.7 million+ across 335+ victims in 16 states and 6 countries.) But don’t worry—he’s got a plan: he’ll pay us back only from whatever’s left of his future paycheck after he pays his rent, groceries, gambling money (hello, Grand Victoria) and probably his Netflix subscription … for the next 5 years.

Key Highlights from the Plan (aka “How to Pretend to Say I’m Sorry, Without Saying ‘I’m Sorry’)

• Travel Victims = Class 2 We’re first in line! …to get 10 cents on the dollar. Congrats, we’re the VIPs of partial refunds.
• Then Comes Class 3 That’s right—his parents and “personal loan” buddies (aka co-conspirators) get to split whatever’s left after our 10%. Nothing says “family first” like paying Maria and Joel (or as Ryne refers to them – mommy and daddy in crime) back before the people you scammed.
• Job? Salary? Income Plan? Crickets. No mention of what he plans to do—Uber driver? Barista? CEO of “Regret Inc.”? Without a job or salary projection, that “10%” might actually be 1% or less. Surprise!
• Trustee Ira Bodenstein Was Right – Again At the November 21 §341 meeting, Trustee Ira Bodenstein grilled Ryne on his income, business records, and future earning ability. Ryne had nothing. Ira adjourned the meeting sine die (translation: “until you bring something real”). Today’s plan proves Ira’s suspicion was spot-on: zero job, zero plan, zero credibility. If there’s no paycheck, there’s no payment. Simple math—even for a soon to be disbarred lawyer.
• Judge Still Has to Approve This A confirmation hearing is coming (date TBD). Until then, this is just a very expensive wish list.

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Next Steps for All Victims (Yes, That Means You)

• Check the Docket Daily Case 25-13120, Northern District of Illinois. Notices are coming by mail/email. Click here to view live docket.
• File Your Proof of Claim – NOW Official deadline was Nov 17th, but late claims are often still accepted. Don’t sleep on this. Download form here.
• Attorneys & U.S. Trustee on Standby Even if you are not going to be part of our group objection we need to push for the U.S. Trustee to reject on the basis of fraud or at least convert this to Chapter 7 (liquidation = sell his stuff, pay us faster).
• We Need to Object – Together The plan is full of holes: no income plan, family favoritism, and a fairy-tale recovery rate. → I am drafting a group objection. Want in? Email me at rynevitugfraud@gmail.com. I will collect names, claim numbers, and signatures.

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The Bottom Line

This isn’t a repayment plan—it’s a delay tactic. He is trying to use bankruptcy court as a shield from criminal activity and we will not let him. Ryne wants 5 years of breathing room while we get pennies. We say: No. Its prison orange for you big guy.

We’ve got over 100 filed claims, a united victim network, and multiple law enforcement investigations breathing down his neck. This plan won’t survive a real fight. Ryne is down to his last few days (weeks,months,etc.) as a “free” man.

Stay loud. Stay united. Stay watching. More updates the second the hearing date drops or the exhibits (finally) appear.

— The Vitug Fraud Watch Team Follow. Share. Fight.