}bk1{Form .Vluntary Peiton}bk{

B1 (Official Form 1)(04/13)

United States Bankruptcy Court Voluntary Petition

Name of Debtor (if individual, enter Last, First, Middle):

All Other Names used by the Debtor in the last 8 years

(include married, maiden, and trade names):

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN)/Complete EIN

(if more than one, state all)

Street Address of Debtor (No. and Street, City, and State):

County of Residence or of the Principal Place of Business:

Mailing Address of Debtor (if different from street address):

Location of Principal Assets of Business Debtor

(if different from street address above):

Name of Joint Debtor (Spouse) (Last, First, Middle):

All Other Names used by the Joint Debtor in the last 8 years

(include married, maiden, and trade names):

Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN

(if more than one, state all)

Street Address of Joint Debtor (No. and Street, City, and State):

County of Residence or of the Principal Place of Business:

Mailing Address of Joint Debtor (if different from street address):

ZIP Code ZIP Code

ZIP Code ZIP Code

Type of Debtor

(Form of Organization) (Check one box)

Individual (includes Joint Debtors)

See Exhibit D on page 2 of this form.

Corporation (includes LLC and LLP)

Partnership

Other (If debtor is not one of the above entities,

check this box and state type of entity below.)

Chapter 15 Debtors

Country of debtor's center of main interests:

Each country in which a foreign proceeding

by, regarding, or against debtor is pending:

Filing Fee (Check one box)

Full Filing Fee attached

Filing Fee to be paid in installments (applicable to individuals only). Must

attach signed application for the court's consideration certifying that the

debtor is unable to pay fee except in installments. Rule 1006(b). See Official

Form 3A.

Filing Fee waiver requested (applicable to chapter 7 individuals only). Must

attach signed application for the court's consideration. See Official Form 3B.

Nature of Business

(Check one box)

Health Care Business

Single Asset Real Estate as defined

in 11 U.S.C. § 101 (51B)

Railroad

Stockbroker

Commodity Broker

Clearing Bank

Other

Tax-Exempt Entity

(Check box, if applicable)

Debtor is a tax-exempt organization

under Title 26 of the United States

Code (the Internal Revenue Code).

Chapter of Bankruptcy Code Under Which

the Petition is Filed (Check one box)

Chapter 7

Chapter 9

Chapter 11

Chapter 12

Chapter 13

Chapter 15 Petition for Recognition

of a Foreign Main Proceeding

Chapter 15 Petition for Recognition

of a Foreign Nonmain Proceeding

Nature of Debts

(Check one box)

Debts are primarily consumer debts, Debts are primarily

defined in 11 U.S.C. § 101(8) as business debts.

"incurred by an individual primarily for

a personal, family, or household purpose."

Check Chapter 11 Debtors one box:

Debtor is a small business debtor as defined in 11 U.S.C. § 101(51D).

Debtor is not a small business debtor as defined in 11 U.S.C. § 101(51D).

Check if:

Debtor’s aggregate noncontingent liquidated debts (excluding debts owed to insiders or affiliates)

are less than $2,490,925 (amount subject to adjustment on 4/01/16 and every three years thereafter).

Check all applicable boxes:

A plan is being filed with this petition.

Acceptances of the plan were solicited prepetition from one or more classes of creditors,

in accordance with 11 U.S.C. § 1126(b).

Statistical/Administrative Information THIS SPACE IS FOR COURT USE ONLY

Debtor estimates that funds will be available for distribution to unsecured creditors.

Debtor estimates that, after any exempt property is excluded and administrative expenses paid, 

there will be no funds available for distribution to unsecured creditors.

Estimated Number of Creditors

1- 50- 100- 200- 1,000- 5,001- 10,001- 25,001- 50,001- OVER

49 99 199 999 5,000 10,000 25,000 50,000 100,000 100,000

Estimated Assets

$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than

$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion

million million million million million

Estimated Liabilities

$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than

$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion

million million million million million

Eastern District of Virginia

Chandler, David T. Chandler, Amy G.

xxx-xx-7433

7142 Shannonwood Ct

Mechanicsville, VA

Hanover

xxx-xx-0235

7142 Shannonwood Ct

Mechanicsville, VA

Hanover

23111-5064 23111-5064

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 Document Page 1 of 50
B1 (Official Form 1)(04/13) Page 2

Voluntary Petition

(This page must be completed and filed in every case)

Name of Debtor(s):

All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet)

Location Case Number: Date Filed:

Where Filed:

Location Case Number: Date Filed:

Where Filed:

Pending Bankruptcy Case Filed by any Spouse, Partner, or Affiliate of this Debtor (If more than one, attach additional sheet)

Name of Debtor: Case Number: Date Filed:

District: Relationship: Judge:

Exhibit A

(To be completed if debtor is required to file periodic reports (e.g.,

forms 10K and 10Q) with the Securities and Exchange Commission

pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

and is requesting relief under chapter 11.)

Exhibit A is attached and made a part of this petition.

Exhibit C

Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety?

Yes, and Exhibit C is attached and made a part of this petition.

No.

Exhibit D

(To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.)

Exhibit D completed and signed by the debtor is attached and made a part of this petition.

If this is a joint petition:

Exhibit D also completed and signed by the joint debtor is attached and made a part of this petition.

Information Regarding the Debtor - Venue

(Check any applicable box)

Debtor has been domiciled or has had a residence, principal place of business, or principal assets in this District for 180

days immediately preceding the date of this petition or for a longer part of such 180 days than in any other District.

There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District.

Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in

this District, or has no principal place of business or assets in the United States but is a defendant in an action or

proceeding [in a federal or state court] in this District, or the interests of the parties will be served in regard to the relief

sought in this District.

Certification by a Debtor Who Resides as a Tenant of Residential Property

(Check all applicable boxes)

Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)

(Name of landlord that obtained judgment)

(Address of landlord)

Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure

the entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and 

Debtor has included with this petition the deposit with the court of any rent that would become due during the 30-day period

after the filing of the petition.

Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).

Exhibit B

(To be completed if debtor is an individual whose debts are primarily consumer debts.)

I, the attorney for the petitioner named in the foregoing petition, declare that I

have informed the petitioner that [he or she] may proceed under chapter 7, 11,

12, or 13 of title 11, United States Code, and have explained the relief available

under each such chapter. I further certify that I delivered to the debtor the notice

required by 11 U.S.C. §342(b).

X

Signature of Attorney for Debtor(s) (Date)

Chandler, David T.

Chandler, Amy G.

- None -

- None -

/s/ Harry Shaia, Jr. September 17, 2015

Harry Shaia, Jr.

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 Document Page 2 of 50
B1 (Official Form 1)(04/13) Page 3

Voluntary Petition

(This page must be completed and filed in every case)

Name of Debtor(s):

Signatures

Signature(s) of Debtor(s) (Individual/Joint)

I declare under penalty of perjury that the information provided in this

petition is true and correct.

[If petitioner is an individual whose debts are primarily consumer debts and

has chosen to file under chapter 7] I am aware that I may proceed under

chapter 7, 11, 12, or 13 of title 11, United States Code, understand the relief

available under each such chapter, and choose to proceed under chapter 7.

[If no attorney represents me and no bankruptcy petition preparer signs the

petition] I have obtained and read the notice required by 11 U.S.C. §342(b).

I request relief in accordance with the chapter of title 11, United States Code,

specified in this petition.

X

Signature of Debtor

X

Signature of Joint Debtor

Telephone Number (If not represented by attorney)

Date

Signature of Attorney*

X

Signature of Attorney for Debtor(s)

Printed Name of Attorney for Debtor(s)

Firm Name

Address

Telephone Number

Date

*In a case in which § 707(b)(4)(D) applies, this signature also constitutes a

certification that the attorney has no knowledge after an inquiry that the

information in the schedules is incorrect.

Signature of Debtor (Corporation/Partnership)

I declare under penalty of perjury that the information provided in this

petition is true and correct, and that I have been authorized to file this petition

on behalf of the debtor.

The debtor requests relief in accordance with the chapter of title 11, United

States Code, specified in this petition.

X

Signature of Authorized Individual

Printed Name of Authorized Individual

Title of Authorized Individual

Date

Signature of a Foreign Representative

I declare under penalty of perjury that the information provided in this petition

is true and correct, that I am the foreign representative of a debtor in a foreign

proceeding, and that I am authorized to file this petition.

(Check only one box.)

I request relief in accordance with chapter 15 of title 11. United States Code.

Certified copies of the documents required by 11 U.S.C. §1515 are attached.

Pursuant to 11 U.S.C. §1511, I request relief in accordance with the chapter

of title 11 specified in this petition. A certified copy of the order granting

recognition of the foreign main proceeding is attached.

X

Signature of Foreign Representative

Printed Name of Foreign Representative

Date

Signature of Non-Attorney Bankruptcy Petition Preparer

I declare under penalty of perjury that: (1) I am a bankruptcy petition

preparer as defined in 11 U.S.C. § 110; (2) I prepared this document for

compensation and have provided the debtor with a copy of this document

and the notices and information required under 11 U.S.C. §§ 110(b),

110(h), and 342(b); and, (3) if rules or guidelines have been promulgated

pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services

chargeable by bankruptcy petition preparers, I have given the debtor notice

of the maximum amount before preparing any document for filing for a

debtor or accepting any fee from the debtor, as required in that section.

Official Form 19 is attached.

Printed Name and title, if any, of Bankruptcy Petition Preparer

Social-Security number (If the bankrutpcy petition preparer is not

an individual, state the Social Security number of the officer,

principal, responsible person or partner of the bankruptcy petition

preparer.)(Required by 11 U.S.C. § 110.)

Address

X

Date

Signature of bankruptcy petition preparer or officer, principal, responsible

person,or partner whose Social Security number is provided above.

Names and Social-Security numbers of all other individuals who prepared or

assisted in preparing this document unless the bankruptcy petition preparer is

not an individual:

If more than one person prepared this document, attach additional sheets

conforming to the appropriate official form for each person.

A bankruptcy petition preparer’s failure to comply with the provisions of

title 11 and the Federal Rules of Bankruptcy Procedure may result in

fines or imprisonment or both. 11 U.S.C. §110; 18 U.S.C. §156.

Chandler, David T.

Chandler, Amy G.

/s/ David T. Chandler

David T. Chandler

/s/ Amy G. Chandler

Amy G. Chandler

September 17, 2015

/s/ Harry Shaia, Jr.

Harry Shaia, Jr. 05897

Spinella, Owings & Shaia, P.C.

8550 Mayland Drive

Richmond, VA 23294-4704

Email: harryshaia@spinella.com

804-747-0920 Fax: 804-270-7268

September 17, 2015

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 Document Page 3 of 50
B 1D (Official Form 1, Exhibit D) (12/09)

United States Bankruptcy Court

Eastern District of Virginia

In re

David T. Chandler

Amy G. Chandler Case No.

Debtor(s) Chapter 7

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT

Warning: You must be able to check truthfully one of the five statements regarding credit

counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court

can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your

creditors will be able to resume collection activities against you. If your case is dismissed and you file

another bankruptcy case later, you may be required to pay a second filing fee and you may have to take

extra steps to stop creditors' collection activities.

Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete

and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.

 1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit

counseling agency approved by the United States trustee or bankruptcy administrator that outlined the

opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have

a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy

of any debt repayment plan developed through the agency.

 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit

counseling agency approved by the United States trustee or bankruptcy administrator that outlined the

opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do

not have a certificate from the agency describing the services provided to me. You must file a copy of a

certificate from the agency describing the services provided to you and a copy of any debt repayment plan

developed through the agency no later than 14 days after your bankruptcy case is filed.

 3. I certify that I requested credit counseling services from an approved agency but was unable to

obtain the services during the seven days from the time I made my request, and the following exigent

circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case

now. [Summarize exigent circumstances here.]

If your certification is satisfactory to the court, you must still obtain the credit counseling briefing

within the first 30 days after you file your bankruptcy petition and promptly file a certificate from the

agency that provided the counseling, together with a copy of any debt management plan developed

through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any

extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days.

Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy

case without first receiving a credit counseling briefing.

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B 1D (Official Form 1, Exhibit D) (12/09) - Cont. Page 2

 4. I am not required to receive a credit counseling briefing because of: [Check the applicable

statement.] [Must be accompanied by a motion for determination by the court.]

 Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or mental

deficiency so as to be incapable of realizing and making rational decisions with respect to financial

responsibilities.);

 Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being

unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or

through the Internet.);

 Active military duty in a military combat zone.

 5. The United States trustee or bankruptcy administrator has determined that the credit counseling

requirement of 11 U.S.C. § 109(h) does not apply in this district.

I certify under penalty of perjury that the information provided above is true and correct.

Signature of Debtor: /s/ David T. Chandler

David T. Chandler

Date: September 17, 2015

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 Document Page 5 of 50
Certificate Number: 06531-VAE-CC-025963348

06531-VAE-CC-025963348

CERTIFICATE OF COUNSELING

I CERTIFY that on July 30, 2015, at 3:57 o'clock PM CDT, David T Chandler

received from Allen Credit and Debt Counseling Agency, an agency approved

pursuant to 11 U.S.C. § 111 to provide credit counseling in the Eastern District of

Virginia, an individual [or group] briefing that complied with the provisions of 11

U.S.C. §§ 109(h) and 111.

A debt repayment plan was not prepared. If a debt repayment plan was prepared, a

copy of the debt repayment plan is attached to this certificate.

This counseling session was conducted by internet.

Date: July 30, 2015 By: /s/Connie Krosch

Name: Connie Krosch

Title: Certified Credit Counselor

* Individuals who wish to file a bankruptcy case under title 11 of the United States Bankruptcy

Code are required to file with the United States Bankruptcy Court a completed certificate of

counseling from the nonprofit budget and credit counseling agency that provided the individual

the counseling services and a copy of the debt repayment plan, if any, developed through the

credit counseling agency. See 11 U.S.C. §§ 109(h) and 521(b).

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 Document Page 6 of 50
B 1D (Official Form 1, Exhibit D) (12/09)

United States Bankruptcy Court

Eastern District of Virginia

In re

David T. Chandler

Amy G. Chandler Case No.

Debtor(s) Chapter 7

EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT

Warning: You must be able to check truthfully one of the five statements regarding credit

counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court

can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your

creditors will be able to resume collection activities against you. If your case is dismissed and you file

another bankruptcy case later, you may be required to pay a second filing fee and you may have to take

extra steps to stop creditors' collection activities.

Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete

and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.

 1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit

counseling agency approved by the United States trustee or bankruptcy administrator that outlined the

opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have

a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy

of any debt repayment plan developed through the agency.

 2. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit

counseling agency approved by the United States trustee or bankruptcy administrator that outlined the

opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do

not have a certificate from the agency describing the services provided to me. You must file a copy of a

certificate from the agency describing the services provided to you and a copy of any debt repayment plan

developed through the agency no later than 14 days after your bankruptcy case is filed.

 3. I certify that I requested credit counseling services from an approved agency but was unable to

obtain the services during the seven days from the time I made my request, and the following exigent

circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case

now. [Summarize exigent circumstances here.]

If your certification is satisfactory to the court, you must still obtain the credit counseling briefing

within the first 30 days after you file your bankruptcy petition and promptly file a certificate from the

agency that provided the counseling, together with a copy of any debt management plan developed

through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any

extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days.

Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy

case without first receiving a credit counseling briefing.

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B 1D (Official Form 1, Exhibit D) (12/09) - Cont. Page 2

 4. I am not required to receive a credit counseling briefing because of: [Check the applicable

statement.] [Must be accompanied by a motion for determination by the court.]

 Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or mental

deficiency so as to be incapable of realizing and making rational decisions with respect to financial

responsibilities.);

 Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being

unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or

through the Internet.);

 Active military duty in a military combat zone.

 5. The United States trustee or bankruptcy administrator has determined that the credit counseling

requirement of 11 U.S.C. § 109(h) does not apply in this district.

I certify under penalty of perjury that the information provided above is true and correct.

Signature of Debtor: /s/ Amy G. Chandler

Amy G. Chandler

Date: September 17, 2015

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 Document Page 8 of 50
Certificate Number: 06531-VAE-CC-025963350

06531-VAE-CC-025963350

CERTIFICATE OF COUNSELING

I CERTIFY that on July 30, 2015, at 3:58 o'clock PM CDT, Amy G Chandler

received from Allen Credit and Debt Counseling Agency, an agency approved

pursuant to 11 U.S.C. § 111 to provide credit counseling in the Eastern District of

Virginia, an individual [or group] briefing that complied with the provisions of 11

U.S.C. §§ 109(h) and 111.

A debt repayment plan was not prepared. If a debt repayment plan was prepared, a

copy of the debt repayment plan is attached to this certificate.

This counseling session was conducted by internet.

Date: July 30, 2015 By: /s/Connie Krosch

Name: Connie Krosch

Title: Certified Credit Counselor

* Individuals who wish to file a bankruptcy case under title 11 of the United States Bankruptcy

Code are required to file with the United States Bankruptcy Court a completed certificate of

counseling from the nonprofit budget and credit counseling agency that provided the individual

the counseling services and a copy of the debt repayment plan, if any, developed through the

credit counseling agency. See 11 U.S.C. §§ 109(h) and 521(b).

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 Document Page 9 of 50
}bk1{Form 6.Suary ofScheduls}bk{

United States Bankruptcy Court

Eastern District of Virginia

In re

,

Debtors

Case No.

Chapter 7

David T. Chandler,

Amy G. Chandler

B6 Summary (Official Form 6 - Summary) (12/14)

Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A,

B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtor’s assets.

Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtor’s liabilities. Individual debtors must

also complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.

SUMMARY OF SCHEDULES

ATTACHED NO. OF NAME OF SCHEDULE ASSETS LIABILITIES OTHER

(YES/NO) SHEETS

A - Real Property

B - Personal Property

C - Property Claimed as Exempt

D - Creditors Holding Secured Claims

E - Creditors Holding Unsecured

Priority Claims

F - Creditors Holding Unsecured

Nonpriority Claims

G - Executory Contracts and

Unexpired Leases

H - Codebtors

I - Current Income of Individual

Debtor(s)

J - Current Expenditures of Individual

Debtor(s)

Total Number of Sheets of ALL Schedules

Total Assets

Total Liabilities

(Total of Claims on Schedule E)

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Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

1 169,710.00

4 81,409.30

2

1 171,044.97

1 0.00

2 32,023.75

1

1

3 5,219.11

2 5,221.99

18

251,119.30

203,068.72

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 Document Page 10 of 50
}bk1{Form 6.Staiscl Sumaryof CetainLbles andRlte Da}bk{

United States Bankruptcy Court

Eastern District of Virginia

In re

,

Debtors

Case No.

Chapter 7

David T. Chandler,

Amy G. Chandler

B 6 Summary (Official Form 6 - Summary) (12/14)

STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)

If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C.§ 101(8)), filing

a case under chapter 7, 11 or 13, you must report all information requested below.

Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to 

report any information here.

This information is for statistical purposes only under 28 U.S.C. § 159.

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

Type of Liability Amount

Domestic 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) (whether disputed or undisputed)

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

State the following:

Average Income (from Schedule I, Line 12)

Average Expenses (from Schedule J, Line 22)

Current Monthly Income (from Form 22A-1 Line 11; OR,

Form 22B Line 14; OR, Form 22C-1 Line 14 )

State the following:

1. Total from Schedule D, "UNSECURED PORTION, IF ANY"

column

2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY"

column

3. Total from Schedule E, "AMOUNT NOT ENTITLED TO

PRIORITY, IF ANY" column

4. Total from Schedule F

5. Total of non-priority unsecured debt (sum of 1, 3, and 4)

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5,219.11

5,221.99

7,449.76

3,948.05

0.00

0.00

32,023.75

35,971.80

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 Document Page 11 of 50
}bk1{Schedul A-ReaPropty}bk{

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

B6A (Official Form 6A) (12/07)

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's own benefit. If the debtor is married, state whether husband, wife, both, or the marital community 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

Unexpired Leases.

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 to hold 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 as Exempt.

Description and Location of Property Nature of Debtor's

Interest in Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in

Property, without

Deducting any Secured

Claim or Exemption

Amount of

Secured Claim

continuation sheets attached to the Schedule of Real Property

SCHEDULE A - REAL PROPERTY

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

0

7142 Shannonwood Court, Mechanicsville, VA

Hanover County

House valued by realtor and described as being in

poor condition.

J 169,710.00 164,096.92

Sub-Total > 169,710.00 (Total of this page)

Total >

(Report also on Summary of Schedules)

169,710.00

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 12 of 50
}bk1{Schedul B-Personal Prpety}bk{

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

B6B (Official Form 6B) (12/07)

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

with the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital community

own the 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 of any 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."

If the property is being held for a minor child, simply state the child's initials and the name and address of the child's parent or guardian, such as

"A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).

Type of Property

N

O

N

E

Description and Location of Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in Property,

without Deducting any

Secured Claim or Exemption

continuation sheets attached to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

3

1. Cash on hand Cash J 40.00

2. Checking, savings or other financial

accounts, certificates of deposit, or

shares in banks, savings and loan,

thrift, building and loan, and

homestead associations, or credit

unions, brokerage houses, or

cooperatives.

EVB checking #6359 J 183.23

EVB savings #4992 J 7.71

Richmond Fire Police C.U. savings #1918 J 62.54

Richmond Fire Police C.U,. - Kid's Club Account for

minor son - funds are not property of the estate.

J 55.91

Richmond Fire Police C.U,. - Kid's Club Account for

second minor son - funds are not property of the

estate.

J 55.91

Wells Fargo checking #6176 J 0.00

3. Security deposits with public

utilities, telephone companies,

landlords, and others.

X

4. Household goods and furnishings,

including audio, video, and

computer equipment.

Living Room, Dining ROom, 4 Bedrooms, Kitchen,

HP Pavilion desktop PC (7 years old), 2 ipads2 (5

years old), 3-32" TVs, CD player, washer, dryer,

freezer.

J 2,000.00

5. Books, pictures and other art

objects, antiques, stamp, coin,

record, tape, compact disc, and

other collections or collectibles.

Books, family photos and albums, wall art, CD and

DVD collection.

J 100.00

6. Wearing apparel. Men's Clothing H 400.00

Women's clothing and wedding dress W 500.00

7. Furs and jewelry. Wedding & engagement rings W 500.00

wedding ring H 150.00

gold necklace with cross, costume jewelry W 175.00

Sub-Total >

(Total of this page)

4,230.30

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 13 of 50
B6B (Official Form 6B) (12/07) - Cont.

Type of Property

N

O

N

E

Description and Location of Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in Property,

without Deducting any

Secured Claim or Exemption

Sheet of continuation sheets attached

to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY

(Continuation Sheet)

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

Casio G shock men's watch H 50.00

8. Firearms and sports, photographic,

and other hobby equipment.

Giant road bike, Trek mountain bike, Golf clubs (30

years old), Proform treadmill, Spin bike (broken)

J 425.00

Riverside Arms 12g double barrel shotgun;

Remington 12g model 1100; Remington .270c

model 4 - all heirlooms inherited from father and

grandfather.

H 800.00

Remington 30.06c model 7400; Marlin .22c model

60; Anderson Manufacturing .223c model AR15;

Smith & Wesson .45c model 4506-1; Colt .357c

model King Cobra.

H 1,625.00

Glock 9mm Model 19 used in job H 400.00

9. Interests in insurance policies.

Name insurance company of each

policy and itemize surrender or

refund value of each.

Group term life insurance thru work - no value. H 0.00

10. Annuities. Itemize and name each

issuer.

X

11. Interests in an education IRA as

defined in 26 U.S.C. § 530(b)(1) or

under a qualified State tuition plan

as defined in 26 U.S.C. § 529(b)(1).

Give particulars. (File separately the

record(s) of any such interest(s).

11 U.S.C. § 521(c).)

X

12. Interests in IRA, ERISA, Keogh, or

other pension or profit sharing

plans. Give particulars.

Supplemental retirement benefit thru Police

Benevolent Assn - City of Richmond, VA

H 64,771.00

13. Stock and interests in incorporated

and unincorporated businesses.

Itemize.

X

14. Interests in partnerships or joint

ventures. Itemize.

X

15. Government and corporate bonds

and other negotiable and

nonnegotiable instruments.

X

16. Accounts receivable. X

Sub-Total >

(Total of this page)

68,071.00

1 3

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 14 of 50
B6B (Official Form 6B) (12/07) - Cont.

Type of Property

N

O

N

E

Description and Location of Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in Property,

without Deducting any

Secured Claim or Exemption

Sheet of continuation sheets attached

to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY

(Continuation Sheet)

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

17. Alimony, maintenance, support, and

property settlements to which the

debtor is or may be entitled. Give

particulars.

X

18. Other liquidated debts owed to debtor

including tax refunds. Give particulars.

2015 tax refunds - amount undetermined. J 1.00

19. Equitable or future interests, life

estates, and rights or powers

exercisable for the benefit of the

debtor other than those listed in

Schedule A - Real Property.

X

20. Contingent and noncontingent

interests in estate of a decedent,

death benefit plan, life insurance

policy, or trust.

X

21. Other contingent and unliquidated

claims of every nature, including

tax refunds, counterclaims of the

debtor, and rights to setoff claims.

Give estimated value of each.

X

22. Patents, copyrights, and other

intellectual property. Give

particulars.

X

23. Licenses, franchises, and other

general intangibles. Give

particulars.

X

24. Customer lists or other compilations

containing personally identifiable

information (as defined in 11 U.S.C.

§ 101(41A)) provided to the debtor

by individuals in connection with

obtaining a product or service from

the debtor primarily for personal,

family, or household purposes.

X

25. Automobiles, trucks, trailers, and

other vehicles and accessories.

1994 Ford Excort 2 door hatchback (104K miles);

poor condition and needs replacing

W 635.00

2006 Honda Civic (85K miles). J 5,371.00

2007 Dodge Grand Caravan Minivan (83K miles) H 3,000.00

Sub-Total >

(Total of this page)

9,007.00

2 3

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 15 of 50
B6B (Official Form 6B) (12/07) - Cont.

Type of Property

N

O

N

E

Description and Location of Property

Husband,

Wife,

Joint, or

Community

Current Value of

Debtor's Interest in Property,

without Deducting any

Secured Claim or Exemption

Sheet of continuation sheets attached

to the Schedule of Personal Property

SCHEDULE B - PERSONAL PROPERTY

(Continuation Sheet)

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

26. Boats, motors, and accessories. X

27. Aircraft and accessories. X

28. Office equipment, furnishings, and

supplies.

X

29. Machinery, fixtures, equipment, and

supplies 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

not already listed. Itemize.

Hand tools; push mower; John Deere L110 riding

mower (13 years old - inoperable - needs $300

repair); weed trimmer; leaf blower; ladder;

generator (12 years old); air compressor; pressure

washer (inoperable)

J 100.00

Any interest, ownership, or claim or any other

entitlement in any property, real or personal,

tangible or intangible, including such property not

scheduled herein, and including, but not limited to,

any inheritance and/or proceeds or property

received as a beneficiary of wills, life insurance

policies, trusts, or any other such fund, contract or

instrument, existing prior to the filing of the

bankruptcy case and to which the debtor may be

entitled or may become entitled to receive at any

time in the future.

J 1.00

Sub-Total >

(Total of this page)

101.00

3 3

Total >

(Report also on Summary of Schedules)

81,409.30

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 16 of 50
}bk1{Schedul C-Propety Claimed sExpt}bk{

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

B6C (Official Form 6C) (4/13)

Debtor claims the exemptions to which debtor is entitled under: Check if debtor claims a homestead exemption that exceeds

(Check one box) $155,675. (Amount subject to adjustment on 4/1/16, and every three years thereafter

with respect to cases commenced on or after the date of adjustment.) 11 U.S.C. §522(b)(2)

11 U.S.C. §522(b)(3)

Description of Property Specify Law Providing

Each Exemption

Value of

Claimed

Exemption

Current Value of

Property Without

Deducting Exemption

continuation sheets attached to Schedule of Property Claimed as Exempt

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

1

Real Property

7142 Shannonwood Court, Mechanicsville, VA

Hanover County

House valued by realtor and described as being

in poor condition.

11 USC 522(b)(3)(B); William v Peyton 169,710.00

104 F.3d 688

169,710.00

Va. Code Ann. § 34-4 1.00

Cash on Hand

Cash Va. Code Ann. § 34-4 1.00 40.00

Checking, Savings, or Other Financial Accounts, Certificates of Deposit

EVB checking #6359 Va. Code Ann. § 34-4 183.23 183.23

EVB savings #4992 Va. Code Ann. § 34-4 7.71 7.71

Richmond Fire Police C.U. savings #1918 Va. Code Ann. § 34-4 62.54 62.54

Richmond Fire Police C.U,. - Kid's Club Account

for minor son - funds are not property of the

estate.

Va. Code Ann. § 34-4 1.00 55.91

Richmond Fire Police C.U,. - Kid's Club Account

for second minor son - funds are not property

of the estate.

Va. Code Ann. § 34-4 1.00 55.91

Wells Fargo checking #6176 Va. Code Ann. § 34-4 1.00 0.00

Household Goods and Furnishings

Living Room, Dining ROom, 4 Bedrooms,

Kitchen, HP Pavilion desktop PC (7 years old), 2

ipads2 (5 years old), 3-32" TVs, CD player,

washer, dryer, freezer.

Va. Code Ann. § 34-26(4a) 2,000.00 2,000.00

Books, Pictures and Other Art Objects; Collectibles

Books, family photos and albums, wall art, CD

and DVD collection.

Va. Code Ann. § 34-4 1.00 100.00

Wearing Apparel

Men's Clothing Va. Code Ann. § 34-26(4) 400.00 400.00

Women's clothing and wedding dress Va. Code Ann. § 34-26(4) 500.00 500.00

Furs and Jewelry

Wedding & engagement rings Va. Code Ann. § 34-26(1a) 500.00 500.00

wedding ring Va. Code Ann. § 34-26(1a) 150.00 150.00

gold necklace with cross, costume jewelry Va. Code Ann. § 34-4 1.00 175.00

Casio G shock men's watch Va. Code Ann. § 34-4 1.00 50.00

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 17 of 50
B6C (Official Form 6C) (4/13) -- Cont.

Description of Property Specify Law Providing

Each Exemption

Value of

Claimed

Exemption

Current Value of

Property Without

Deducting Exemption

Sheet of continuation sheets attached to the Schedule of Property Claimed as Exempt

SCHEDULE C - PROPERTY CLAIMED AS EXEMPT

(Continuation Sheet)

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

Firearms and Sports, Photographic and Other Hobby Equipment

Giant road bike, Trek mountain bike, Golf clubs

(30 years old), Proform treadmill, Spin bike

(broken)

Va. Code Ann. § 34-4 1.00 425.00

Riverside Arms 12g double barrel shotgun;

Remington 12g model 1100; Remington .270c

model 4 - all heirlooms inherited from father

and grandfather.

Va. Code Ann. § 34-26(2) 800.00 800.00

Remington 30.06c model 7400; Marlin .22c

model 60; Anderson Manufacturing .223c model

AR15; Smith & Wesson .45c model 4506-1; Colt

.357c model King Cobra.

Va. Code Ann. § 34-26(4b) 1,625.00 1,625.00

Glock 9mm Model 19 used in job Va. Code Ann. § 34-26(7) 400.00 400.00

Interests in Insurance Policies

Group term life insurance thru work - no value. Va. Code Ann. § 34-4 1.00 0.00

Interests in IRA, ERISA, Keogh, or Other Pension or Profit Sharing Plans

Supplemental retirement benefit thru Police

Benevolent Assn - City of Richmond, VA

Va. Code Ann. § 34-34 64,771.00 64,771.00

Other Liquidated Debts Owing Debtor Including Tax Refund

2015 tax refunds - amount undetermined. Va. Code Ann. § 34-4 1.00 1.00

Automobiles, Trucks, Trailers, and Other Vehicles

1994 Ford Excort 2 door hatchback (104K

miles); poor condition and needs replacing

Va. Code Ann. § 34-26(8) 635.00 635.00

2006 Honda Civic (85K miles). Va. Code Ann. § 34-26(8) 5,371.00 5,371.00

2007 Dodge Grand Caravan Minivan (83K miles) Va. Code Ann. § 34-26(8) 3,000.00 3,000.00

Va. Code Ann. § 34-4 1.00

Other Personal Property of Any Kind Not Already Listed

Hand tools; push mower; John Deere L110

riding mower (13 years old - inoperable - needs

$300 repair); weed trimmer; leaf blower; ladder;

generator (12 years old); air compressor;

pressure washer (inoperable)

Va. Code Ann. § 34-4 100.00 100.00

Any interest, ownership, or claim or any other

entitlement in any property, real or personal,

tangible or intangible, including such property

not scheduled herein, and including, but not

limited to, any inheritance and/or proceeds or

property received as a beneficiary of wills, life

insurance policies, trusts, or any other such

fund, contract or instrument, existing prior to

the filing of the bankruptcy case and to which

the debtor may be entitled or may become

entitled to receive at any time in the future.

Va. Code Ann. § 34-4 1.00 1.00

1 1

Total: 250,228.48 251,119.30

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 18 of 50
}bk1{Schedul D-Creditos HldingSecurd Claims}bk{

AMOUNT OF

CLAIM

WITHOUT

DEDUCTING

VALUE OF

COLLATERAL

DATE CLAIM WAS INCURRED,

NATURE OF LIEN, AND

DESCRIPTION AND VALUE

OF PROPERTY

SUBJECT TO LIEN

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

E

D

Husband, Wife, Joint, or Community

H

W

J

C

CREDITOR'S NAME 

AND MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Value $

Account No.

Value $

Account No.

Value $

Account No.

Value $

Subtotal

_____ continuation sheets attached (Total of this page)

UNSECURED

PORTION, IF

ANY

B6D (Official Form 6D) (12/07)

State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of 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 trustee and 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, the child's initials and the name and address of the child's parent or 

guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and 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 labeled "Codebtor" ,include the entity on the appropriate

schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital 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.)

Total the columns labeled "Amount of Claim Without Deducting Value of Collateral" and "Unsecured Portion, if Any" in the boxes labeled "Total(s)" on the last

sheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual with

primarily consumer debts, report the total from the column labeled "Unsecured Portion" on the Statistical Summary of Certain Liabilities and Related Data.

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

SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

0

x0055 2007 Dodge Grand Caravan Minivan

(83K miles)

SunTrust Bank

PO Box 85052

Mail Code RVW 7951

Richmond, VA 23285 J

3,000.00 6,948.05 3,948.05

xxxxxxxxxx0001 06/2006

2nd Deed of Trust

7142 Shannonwood Court,

Mechanicsville, VA

Hanover County

House valued by realtor and described

as being in poor condition.

Wells Fargo Home Equity

PO Box 10335

Des Moines, IA 50306 J

169,710.00 41,066.95 0.00

xxxxx5225 01/2011

1st Deed of Trust

7142 Shannonwood Court,

Mechanicsville, VA

Hanover County

House valued by realtor and described

as being in poor condition.

Wells Fargo Home Mortgage

PO Box 10335

Des Moines, IA 50306-0335 J

169,710.00 123,029.97 0.00

171,044.97 3,948.05

Total 171,044.97 3,948.05

(Report on Summary of Schedules)

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 19 of 50
}bk1{Schedul E-Creditos HldingUsecurd PiotyClams}bk{

B6E (Official Form 6E) (4/13)

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 of unsecured 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, as of 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 the debtor chooses to do

so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." 

Do not disclose the child's name. See, 11 U.S.C. §112 and 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 on the appropriate

schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital 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 claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E in the 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 "Subtotals" on each sheet. Report the total of all amounts entitled to priority

listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total 

also on the Statistical Summary of Certain Liabilities and Related Data.

Report the total of amounts not entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts not entitled to

priority listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this 

total also on the Statistical Summary of Certain Liabilities and Related Data.

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 obligations

Claims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, or responsible relative 

of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in 11 U.S.C. § 507(a)(1).

Extensions of credit in an involuntary case

Claims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of the appointment of a 

trustee or the order for relief. 11 U.S.C. § 507(a)(3).

Wages, salaries, and commissions

Wages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifying independent sales

representatives up to $12,475* per person earned within 180 days immediately preceding the filing of the original petition, or the cessation of business, whichever

occurred first, to the extent provided in 11 U.S.C. § 507(a)(4).

Contributions to employee benefit plans

Money owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or the cessation of business,

whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(5).

Certain farmers and fishermen

Claims of certain farmers and fishermen, up to $6,150* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).

Deposits by individuals

Claims of individuals up to $2,775* for deposits for the purchase, lease, or rental of property or services for personal, family, or household use, that were not 

delivered or provided. 11 U.S.C. § 507(a)(7).

Taxes and certain other debts owed to governmental units

Taxes, customs 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 institution

Claims based on commitments to the FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors of the Federal

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 intoxicated

Claims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using alcohol, a drug, or 

another substance. 11 U.S.C. § 507(a)(10).

* Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

continuation sheets attached

SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

0

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 20 of 50
}bk1{Schedul F-Creditos HldingUsecurd Nonpirty Claims}bk{

C

O

D

E

B

T

O

R

C

O

N

T

I

N

G

E

N

T

U

N

L

I

Q

U

I

D

A

T

E

D

D

I

S

P

U

T

E

D

Husband, Wife, Joint, or Community

H

W

J

C

CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Subtotal

_____ continuation sheets attached (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

B6F (Official Form 6F) (12/07)

State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without priority against 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 with the 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, state the child's initials and the name and address of the child's 

parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Do not 

include claims listed in Schedules D and E. If all 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 labeled "Codebtor," include the entity on the appropriate

schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital 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 schedule. Report this total also on the Summary of

Schedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data.

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

S/N:30193-150817

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

1

xxxxxxxxxxx4003 Last used 2015

American Express Credit card purchases

Bankruptcy Dept

PO Box 981535

El Paso, TX 79998-1535

W

884.64

xxxxxxxxxxxx2132 Last used 2015

Bank of America, N.A. Credit card purchases

DE5-024-02-08 Legal

PO Box 15047

Wilmington, DE 19850-5047

J

2,854.85

xxxxxxxxxxxx8555 Last used 2015

Bank of America, N.A. Credit card purchases

DE5-024-02-08 Legal

PO Box 15047

Wilmington, DE 19850-5047

W

6,400.00

xxxxxxxxxxxx8456 last used 2015

Best Buy/CBNA Credit card purchases

PO Box 790441

Saint Louis, MO 63179

H

1,188.00

11,327.49

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 21 of 50
B6F (Official Form 6F) (12/07) - Cont.

C

O

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T

O

R

C

O

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E

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T

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L

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D

A

T

E

D

D

I

S

P

U

T

E

D

Husband, Wife, Joint, or Community

H

W

J

C

CREDITOR'S NAME,

MAILING ADDRESS

INCLUDING ZIP CODE,

AND ACCOUNT NUMBER

(See instructions above.)

Account No.

Account No.

Account No.

Account No.

Account No.

Sheet no. _____ of _____ sheets attached to Schedule of Subtotal

Creditors Holding Unsecured Nonpriority Claims (Total of this page)

DATE CLAIM WAS INCURRED AND

CONSIDERATION FOR CLAIM. IF CLAIM

IS SUBJECT TO SETOFF, SO STATE. AMOUNT OF CLAIM

SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

(Continuation Sheet)

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

xxxxxxxxxxxx9034 last used 2015

Chase Card Services Credit card purchases

PO Box 15298

Wilmington, DE 19850-5298

J

12,016.20

xxxxxxxxxxxx5494 last used 2015

Citicards CBNA Credit card purchases

701 E. 60th St. N.

Sioux Falls, SD 57104

J

8,465.06

xxxxxxxx0601 last used 2015

Kohl's Credit card purchases

Attn: Credit Administrator

PO Box 3043

Milwaukee, WI 53201-3043

W

215.00

20,696.26

1 1

32,023.75

Total

(Report on Summary of Schedules)

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 22 of 50
}bk1{Schedul G-Executory Cnactsd Unexpird Leas}bk{

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

B6G (Official Form 6G) (12/07)

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

of debtor's interest in contract, i.e., "Purchaser", "Agent", etc. State whether debtor is the lessor or lessee of a lease. Provide the names and

complete mailing addresses of all other parties to each lease or contract described. If a minor child is a party to one of the leases or contracts, 

state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not 

disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). 

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

Name and Mailing Address, Including Zip Code,

of Other Parties to Lease or Contract

Description of Contract or Lease and Nature of Debtor's Interest.

State whether lease is for nonresidential real property.

State contract number of any government contract.

continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases

SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

0

DirecTV

PO Box 6550

Greenwood Village, CO 80155

Satellite Service - expires 7/2017

SIUPREM

PO Box 105611

Atlanta, GA 30348-5611

Vehicle Warranty - expires 01/21/2016.

Sprint

PO Box 8077

London, KY 40742

Cell Phone Service - expires 5/2017

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 23 of 50
}bk1{Schedul H-Codebtrs}k{

In re

,

Debtors

David T. Chandler, Case No.

Amy G. Chandler

B6H (Official Form 6H) (12/07)

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 in the schedules of creditors. Include all guarantors and co-signers. If 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 the eight year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and of

any former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names used

by the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor, 

state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not 

disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). 

Check this box if debtor has no codebtors.

NAME AND ADDRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR

continuation sheets attached to Schedule of Codebtors

SCHEDULE H - CODEBTORS

Software Copyright (c) 1996-2014 - Best Case, LLC - www.bestcase.com Best Case Bankruptcy

0

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 24 of 50
Fill in this information to identify your case:

Debtor 1 David T. Chandler

Debtor 2 Amy G. Chandler

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number Check if this is:

(If known)  An amended filing

 A supplement showing post-petition chapter

13 income as of the following date:

Official Form B 6I MM / DD/ YYYY

Schedule I: Your Income 12/13

Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for

supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your

spouse. If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed,

attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,

attach a separate page with

information about additional

employers.

Include part-time, seasonal, or

self-employed work.

Occupation may include student

or homemaker, if it applies.

Employment status*

 Employed

 Not employed

 Employed

 Not employed

Occupation Police Officer

Employer's name City of Richmond

Employer's address 200 W. Grace St

Richmond, VA 23220

How long employed there? 19 years, 10 months

*See Attachment for Additional Employment Information

Part 2: Give Details About Monthly Income

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing

spouse unless you are separated.

If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need

more space, attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or

non-filing spouse

2.

List monthly gross wages, salary, and commissions (before all payroll

deductions). If not paid monthly, calculate what the monthly wage would be. 2. $ 5,991.42 $ 0.00

3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ 0.00

4. Calculate gross Income. Add line 2 + line 3. 4. $ 5,991.42 $ 0.00

Official Form B 6I Schedule I: Your Income page 1

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 25 of 50
Debtor 1

Debtor 2

David T. Chandler

Amy G. Chandler Case number (if known)

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 5,991.42 $ 0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 939.14 $ 0.00

5b. Mandatory contributions for retirement plans 5b. $ 82.33 $ 0.00

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ 0.00

5d. Required repayments of retirement fund loans 5d. $ 0.00 $ 0.00

5e. Insurance 5e. $ 967.70 $ 0.00

5f. Domestic support obligations 5f. $ 0.00 $ 0.00

5g. Union dues 5g. $ 0.00 $ 0.00

5h. Other deductions. Specify: Police Benevolent Assn 5h.+ $ 6.00 + $ 0.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 1,995.17 $ 0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 3,996.25 $ 0.00

8. List all other income regularly received:

8a. Net income from rental property and from operating a business,

profession, or farm

Attach a statement for each property and business showing gross

receipts, ordinary and necessary business expenses, and the total

monthly net income. 8a. $ 0.00 $ 0.00

8b. Interest and dividends 8b. $ 0.00 $ 0.00

8c. Family support payments that you, a non-filing spouse, or a dependent

regularly receive

Include alimony, spousal support, child support, maintenance, divorce

settlement, and property settlement. 8c. $ 0.00 $ 0.00

8d. Unemployment compensation 8d. $ 0.00 $ 0.00

8e. Social Security 8e. $ 0.00 $ 0.00

8f. Other government assistance that you regularly receive

Include cash assistance and the value (if known) of any non-cash assistance

that you receive, such as food stamps (benefits under the Supplemental

Nutrition Assistance Program) or housing subsidies.

Specify: 8f. $ 0.00 $ 0.00

8g. Pension or retirement income 8g. $ 0.00 $ 0.00

8h. Other monthly income. Specify:

Union Presbyterian Seminary - net

income 8h.+ $ 1,222.86 + $ 0.00

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 1,222.86 $ 0.00

10. Calculate monthly income. Add line 7 + line 9. 10. $ 5,219.11 + $ 0.00 = $ 5,219.11

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse.

11. State all other regular contributions to the expenses that you list in Schedule J.

Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and

other friends or relatives.

Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.

Specify: 11. +$ 0.00

12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income.

12. $ 5,219.11

Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it

applies

Combined

monthly income

13. Do you expect an increase or decrease within the year after you file this form?

 No.

 Yes. Explain:

Official Form B 6I Schedule I: Your Income page 2

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 26 of 50
Debtor 1

Debtor 2

David T. Chandler

Amy G. Chandler Case number (if known)

Official Form B 6I

Attachment for Additional Employment Information

Debtor

Occupation Security Coordinator

Income from this employer varies.

Name of Employer Union Presbyterian Seminary

How long employed 18 years

Address of Employer 3401 Brook Rd

Richmond, VA 23227

Official Form B 6I Schedule I: Your Income page 3

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 27 of 50
Fill in this information to identify your case:

Debtor 1 David T. Chandler Check if this is:

 An amended filing

Debtor 2 Amy G. Chandler  A supplement showing post-petition chapter

(Spouse, if filing) 13 expenses as of the following date:

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA MM / DD / YYYY

Case number  A separate filing for Debtor 2 because Debtor

(If known) 2 maintains a separate household

Official Form B 6J

Schedule J: Your Expenses 12/13

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case

number (if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

 Yes. Debtor 2 must file a separate Schedule J.

2. Do you have dependents?  No

Do not list Debtor 1

and Debtor 2.

 Yes. Fill out this information for

each dependent..............

Dependent’s relationship to

Debtor 1 or Debtor 2

Dependent’s

age

Does dependent

live with you?

Do not state the

dependents' names. Son 4

 No

 Yes

Son 12

 No

 Yes

Son 16

 No

 Yes

 No

 Yes

3. Do your expenses include

expenses of people other than

yourself and your dependents?

 No

 Yes

Part 2: Estimate Your Ongoing Monthly Expenses

Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report

expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the

applicable date.

Include expenses paid for with non-cash government assistance if you know

the value of such assistance and have included it on Schedule I: Your Income

(Official Form 6I.) Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage

payments and any rent for the ground or lot. 4. $ 851.98

If not included in line 4:

4a. Real estate taxes 4a. $ 0.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 0.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 175.00

4d. Homeowner’s association or condominium dues 4d. $ 0.00

5. Additional mortgage payments for your residence, such as home equity loans 5. $ 335.53

Official Form B 6J Schedule J: Your Expenses page 1

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 28 of 50
Debtor 1

Debtor 2

David T. Chandler

Amy G. Chandler Case number (if known)

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 240.00

6b. Water, sewer, garbage collection 6b. $ 90.50

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 410.50

6d. Other. Specify: 6d. $ 0.00

7. Food and housekeeping supplies 7. $ 1,200.00

8. Childcare and children’s education costs 8. $ 245.00

9. Clothing, laundry, and dry cleaning 9. $ 250.00

10. Personal care products and services 10. $ 175.00

11. Medical and dental expenses 11. $ 125.00

12. Transportation. Include gas, maintenance, bus or train fare.

Do not include car payments. 12. $ 245.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 150.00

14. Charitable contributions and religious donations 14. $ 50.00

15. Insurance.

Do not include insurance deducted from your pay or included in lines 4 or 20.

15a. Life insurance 15a. $ 0.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 194.00

15d. Other insurance. Specify: 15d. $ 0.00

16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.

Specify: Personal Property Taxes 16. $ 17.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $ 205.98

17b. Car payments for Vehicle 2 17b. $ 0.00

17c. Other. Specify: Warranty on Dodge 17c. $ 111.50

17d. Other. Specify: 17d. $ 0.00

18. Your payments of alimony, maintenance, and support that you did not report as

deducted from your pay on line 5, Schedule I, Your Income (Official Form 6I). 18. $ 0.00

19. Other payments you make to support others who do not live with you. $ 0.00

Specify: 19.

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.

20a. Mortgages on other property 20a. $ 0.00

20b. Real estate taxes 20b. $ 0.00

20c. Property, homeowner’s, or renter’s insurance 20c. $ 0.00

20d. Maintenance, repair, and upkeep expenses 20d. $ 0.00

20e. Homeowner’s association or condominium dues 20e. $ 0.00

21. Other: Specify: Misc. expenses 21. +$ 150.00

22. Your monthly expenses. Add lines 4 through 21.

The result is your monthly expenses.

22. $ 5,221.99

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 5,219.11

23b. Copy your monthly expenses from line 22 above. 23b. -$ 5,221.99

23c. Subtract your monthly expenses from your monthly income.

The result is your monthly net income. 23c. $ -2.88

24. Do you expect an increase or decrease in your expenses within the year after you file this form?

For example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a

modification to the terms of your mortgage?

 No.

 Yes.

Explain:

Official Form B 6J Schedule J: Your Expenses page 2

Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 29 of 50
B6 Declaration (Official Form 6 - Declaration). (12/07)

United States Bankruptcy Court

Eastern District of Virginia

In re

David T. Chandler

Amy G. Chandler Case No.

Debtor(s) Chapter 7

DECLARATION CONCERNING DEBTOR'S SCHEDULES

DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR

I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting

of 20 sheets, and that they are true and correct to the best of my knowledge, information, and belief.

Date September 17, 2015 Signature /s/ David T. Chandler

David T. Chandler

Debtor

Date September 17, 2015 Signature /s/ Amy G. Chandler

Amy G. Chandler

Joint Debtor

Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both.

18 U.S.C. §§ 152 and 3571.

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Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 30 of 50
B7 (Official Form 7) (04/13)

United States Bankruptcy Court

Eastern District of Virginia

In re

David T. Chandler

Amy G. Chandler Case No.

Debtor(s) Chapter 7

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

both spouses 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 joint petition 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 the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the

name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. 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

Questions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer

to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.

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 "in

business" for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of

the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner,

other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be "in business"

for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the

debtor's primary employment.

"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;

corporations of which the debtor is an officer, director, or person in control; officers, directors, and any persons in control of a corporate debtor and

their relatives; affiliates of the debtor and insiders of such affiliates; and any managing agent of the debtor. 11 U.S.C. § 101(2), (31).

None



1. Income from employment or operation of business

State 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 activities either 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 amounts received 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 a calendar 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 spouse separately. (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 are separated and a joint petition is not filed.)

AMOUNT SOURCE

$42,271.69 2015 - City of Richmond

$9,282.00 2015 - Union Presbyterian Seminary

$85,059.00 2014 - AGI from tax returns

$72,020.00 2013 - AGI from tax returns

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Case 15-34813-KLP Doc 1 Filed 09/17/15 Entered 09/17/15 12:23:31 Desc Main

 Document Page 31 of 50
B7 (Official Form 7) (04/13)

2

None



2. Income other than from employment or operation of business

State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business

during the two years immediately preceding 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 or chapter 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.)

AMOUNT SOURCE

None



3. Payments to creditors

Complete 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 made within 90 days immediately preceding the commencement of this case unless the

aggregate value of all property that constitutes or is affected by such transfer is less than $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 repayment schedule under

a plan by an approved nonprofit budgeting and credit counseling agency. (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 are separated and a joint petition is

not filed.)

NAME AND ADDRESS

OF CREDITOR

DATES OF

PAYMENTS AMOUNT PAID

AMOUNT STILL

OWING

None other than normal monthly payments $0.00 $0.00

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 the commencement of the case unless the aggregate value of all property that constitutes or is affected by such

transfer is less than $6,225*. If the debtor is an individual, 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 repayment schedule under a plan by an approved nonprofit

budgeting and credit counseling agency. (Married debtors filing under chapter 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 and a joint petition is not

filed.)

NAME AND ADDRESS OF CREDITOR

DATES OF

PAYMENTS/

TRANSFERS

AMOUNT

PAID OR

VALUE OF

TRANSFERS

AMOUNT STILL

OWING

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 are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR AND

RELATIONSHIP TO DEBTOR DATE OF PAYMENT AMOUNT PAID

AMOUNT STILL

OWING

None



4. Suits and administrative proceedings, executions, garnishments and attachments

a. 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. (Married debtors 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 are separated and a joint petition is not filed.)

CAPTION OF SUIT

AND CASE NUMBER

NATURE OF

PROCEEDING

COURT OR AGENCY

AND LOCATION

STATUS OR

DISPOSITION

None



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 this case. (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.)

 * Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

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NAME AND ADDRESS OF PERSON FOR WHOSE

BENEFIT PROPERTY WAS SEIZED DATE OF SEIZURE

DESCRIPTION AND VALUE OF

PROPERTY

None



5. Repossessions, foreclosures and returns

List 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 one year immediately preceding the commencement of this case. (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.)

NAME AND ADDRESS OF

CREDITOR OR SELLER

DATE OF REPOSSESSION,

FORECLOSURE SALE,

TRANSFER OR RETURN

DESCRIPTION AND VALUE OF

PROPERTY

None



6. Assignments and receiverships

a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of

this case. (Married debtors filing under 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 joint petition is not filed.)

NAME AND ADDRESS OF ASSIGNEE

DATE OF

ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT

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 this case. (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.)

NAME AND ADDRESS

OF CUSTODIAN

NAME AND LOCATION

OF COURT

CASE TITLE & NUMBER

DATE OF

ORDER

DESCRIPTION AND VALUE OF

PROPERTY

None



7. Gifts

List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary

and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions

aggregating less than $100 per recipient. (Married debtors filing under chapter 12 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 is not filed.)

NAME AND ADDRESS OF

PERSON OR ORGANIZATION

RELATIONSHIP TO

DEBTOR, IF ANY DATE OF GIFT

DESCRIPTION AND

VALUE OF GIFT

None



8. Losses

List 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 separated and a joint petition is not filed.)

DESCRIPTION AND VALUE

OF PROPERTY

DESCRIPTION OF CIRCUMSTANCES AND, IF

LOSS WAS COVERED IN WHOLE OR IN PART

BY INSURANCE, GIVE PARTICULARS DATE OF LOSS

None



9. 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, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediately

preceding the commencement of this case.

NAME AND ADDRESS

OF PAYEE

DATE OF PAYMENT,

NAME OF PAYER IF OTHER

THAN DEBTOR

AMOUNT OF MONEY

OR DESCRIPTION AND VALUE

OF PROPERTY

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NAME AND ADDRESS

OF PAYEE

DATE OF PAYMENT,

NAME OF PAYER IF OTHER

THAN DEBTOR

AMOUNT OF MONEY

OR DESCRIPTION AND VALUE

OF PROPERTY

Spinella, Owings & Shaia, P.C.

8550 Mayland Dr

Richmond, VA 23294-4704

07/07/15; 07/31/15; 08/10/15; 09/17/15 $500; $500; $500; $500

None



10. Other transfers

a. 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 security within two years immediately preceding the commencement of this case. (Married debtors

filing under chapter 12 or chapter 13 must include transfers by either or both 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 TRANSFEREE,

RELATIONSHIP TO DEBTOR DATE

DESCRIBE PROPERTY TRANSFERRED

AND VALUE RECEIVED

None



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 the debtor is a beneficiary.

NAME OF TRUST OR OTHER

DEVICE DATE(S) OF

TRANSFER(S)

AMOUNT OF MONEY OR DESCRIPTION AND

VALUE OF PROPERTY OR DEBTOR'S INTEREST

IN PROPERTY

None



11. Closed financial accounts

List 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 year immediately preceding the commencement of this case. Include checking, savings, or other

financial accounts, certificates of deposit, or other instruments; shares and share accounts held in banks, credit unions, pension funds,

cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 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 the spouses are separated and a joint petition is not filed.)

NAME AND ADDRESS OF INSTITUTION

TYPE OF ACCOUNT, LAST FOUR

DIGITS OF ACCOUNT NUMBER,

AND AMOUNT OF FINAL BALANCE

AMOUNT AND DATE OF SALE

OR CLOSING

Wells Fargo

Richmond, VA

Joint checking #9683 07/31/15; $539.78 (funds

used to pay attorney fee)

Wells Fargo

Richmond, VA

Joint savings #9553 07/27/15; Balance $1247.51;

moved $800 to new account

at EVB and used remainder to

pay living expenses.

None



12. 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 the commencement 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 joint petition is filed, unless the spouses are separated and a joint petition is not

filed.)

NAME AND ADDRESS OF BANK

OR OTHER DEPOSITORY

NAMES AND ADDRESSES

OF THOSE WITH ACCESS

TO BOX OR DEPOSITORY

DESCRIPTION

OF CONTENTS

DATE OF TRANSFER OR

SURRENDER, IF ANY

None



13. Setoffs

List 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 debtors 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 are separated and a joint petition is not filed.)

NAME AND ADDRESS OF CREDITOR DATE OF SETOFF AMOUNT OF SETOFF

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14. Property held for another person

List 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

None



15. Prior address of debtor

If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor

occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate

address of either spouse.

ADDRESS NAME USED DATES OF OCCUPANCY

None



16. Spouses and Former Spouses

If 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 immediately preceding the

commencement of the case, identify the name of the debtor’s spouse and of any former spouse who resides or resided with the debtor in

the community property state.

NAME

17. 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 or material 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 a hazardous waste, hazardous substance, toxic substance, hazardous material,

pollutant, or contaminant or similar term under an Environmental Law

None



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 in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known,

the Environmental Law:

SITE NAME AND ADDRESS

NAME AND ADDRESS OF

GOVERNMENTAL UNIT

DATE OF

NOTICE

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 unit to which the notice was sent and the date of the notice.

SITE NAME AND ADDRESS

NAME AND ADDRESS OF

GOVERNMENTAL UNIT

DATE OF

NOTICE

ENVIRONMENTAL

LAW

None



c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which

the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the

docket number.

NAME AND ADDRESS OF

GOVERNMENTAL UNIT DOCKET NUMBER STATUS OR DISPOSITION

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18 . Nature, location and name of business

a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and

ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a

partnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six years

immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities

within six years immediately preceding the commencement of this case.

If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and

ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six

years immediately preceding the commencement of this case.

If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and

ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six

years immediately preceding the commencement of this case.

NAME

LAST FOUR DIGITS OF

SOCIAL-SECURITY OR

OTHER INDIVIDUAL

TAXPAYER-I.D. NO.

(ITIN)/ COMPLETE EIN ADDRESS NATURE OF BUSINESS

BEGINNING AND

ENDING DATES

None



b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.

NAME ADDRESS

The following questions are to be completed by every debtor that is a corporation or partnership and by any individual debtor who is or has

been, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, or

owner of more than 5 percent of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership, a sole

proprietor, or self-employed in a trade, profession, or other activity, either full- or part-time.

(An individual or joint debtor should complete this portion of the statement only if the debtor is or has been in business, as defined above,

within six years immediately preceding the commencement of this case. A debtor who has not been in business within those six years should go

directly to the signature page.)

None



19. Books, records and financial statements

a. List all bookkeepers and accountants who within two years immediately preceding the filing of this bankruptcy case kept or

supervised the keeping of books of account and records of the debtor.

NAME AND ADDRESS DATES SERVICES RENDERED

None



b. List all firms or individuals who within the two years immediately preceding the filing of this bankruptcy case have audited the books

of account and records, or prepared a financial statement of the debtor.

NAME ADDRESS DATES SERVICES RENDERED

None



c. List all firms or individuals who at the time of the commencement of this case were in possession of the books of account and records

of the debtor. If any of the books of account and records are not available, explain.

NAME ADDRESS

None



d. List all financial institutions, creditors and other parties, including mercantile and trade agencies, to whom a financial statement was

issued by the debtor within two years immediately preceding the commencement of this case.

NAME AND ADDRESS DATE ISSUED

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20. Inventories

a. List the dates of the last two inventories taken of your property, the name of the person who supervised the taking of each inventory,

and the dollar amount and basis of each inventory.

DATE OF INVENTORY INVENTORY SUPERVISOR

DOLLAR AMOUNT OF INVENTORY

(Specify cost, market or other basis)

None



b. List the name and address of the person having possession of the records of each of the inventories reported in a., above.

DATE OF INVENTORY

NAME AND ADDRESSES OF CUSTODIAN OF INVENTORY

RECORDS

None



21 . Current Partners, Officers, Directors and Shareholders

a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.

NAME AND ADDRESS NATURE OF INTEREST PERCENTAGE OF INTEREST

None



b. If the debtor is a corporation, list all officers and directors of the corporation, and each stockholder who directly or indirectly owns,

controls, or holds 5 percent or more of the voting or equity securities of the corporation.

NAME AND ADDRESS TITLE

NATURE AND PERCENTAGE

OF STOCK OWNERSHIP

None



22 . Former partners, officers, directors and shareholders

a. If the debtor is a partnership, list each member who withdrew from the partnership within one year immediately preceding the

commencement of this case.

NAME ADDRESS DATE OF WITHDRAWAL

None



b. If the debtor is a corporation, list all officers, or directors whose relationship with the corporation terminated within one year

immediately preceding the commencement of this case.

NAME AND ADDRESS TITLE DATE OF TERMINATION

None



23 . Withdrawals from a partnership or distributions by a corporation

If the debtor is a partnership or corporation, list all withdrawals or distributions credited or given to an insider, including compensation

in any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding the

commencement of this case.

NAME & ADDRESS

OF RECIPIENT,

RELATIONSHIP TO DEBTOR

DATE AND PURPOSE

OF WITHDRAWAL

AMOUNT OF MONEY

OR DESCRIPTION AND

VALUE OF PROPERTY

None



24. Tax Consolidation Group.

If the debtor is a corporation, list the name and federal taxpayer identification number of the parent corporation of any consolidated

group for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencement

of the case.

NAME OF PARENT CORPORATION TAXPAYER IDENTIFICATION NUMBER (EIN)

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25. Pension Funds.

If the debtor is not an individual, list the name and federal taxpayer-identification number of any pension fund to which the debtor, as an

employer, has been responsible for contributing at any time within six years immediately preceding the commencement of the case.

NAME OF PENSION FUND TAXPAYER IDENTIFICATION NUMBER (EIN)

* * * * * *

DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR

I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto

and that they are true and correct.

Date September 17, 2015 Signature /s/ David T. Chandler

David T. Chandler

Debtor

Date September 17, 2015 Signature /s/ Amy G. Chandler

Amy G. Chandler

Joint Debtor

Penalty for making a false statement: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571

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B8 (Form 8) (12/08)

United States Bankruptcy Court

Eastern District of Virginia

In re

David T. Chandler

Amy G. Chandler Case No.

Debtor(s) Chapter 7

CHAPTER 7 INDIVIDUAL DEBTOR'S STATEMENT OF INTENTION

PART A - Debts secured by property of the estate. (Part A must be fully completed for EACH debt which is secured by

property of the estate. Attach additional pages if necessary.)

Property No. 1

Creditor's Name:

SunTrust Bank

Describe Property Securing Debt:

2007 Dodge Grand Caravan Minivan (83K miles)

Property will be (check one):

 Surrendered  Retained

If retaining the property, I intend to (check at least one):

 Redeem the property

 Reaffirm the debt

 Other. Explain (for example, avoid lien using 11 U.S.C. § 522(f)).

Property is (check one):

 Claimed as Exempt  Not claimed as exempt

Property No. 2

Creditor's Name:

Wells Fargo Home Equity

Describe Property Securing Debt:

7142 Shannonwood Court, Mechanicsville, VA

Hanover County

House valued by realtor and described as being in poor

condition.

Property will be (check one):

 Surrendered  Retained

If retaining the property, I intend to (check at least one):

 Redeem the property

 Reaffirm the debt

 Other. Explain Debtors plan to retain property and continue to make monthly payments (for example, avoid lien

using 11 U.S.C. § 522(f)).

Property is (check one):

 Claimed as Exempt  Not claimed as exempt

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B8 (Form 8) (12/08) Page 2

Property No. 3

Creditor's Name:

Wells Fargo Home Mortgage

Describe Property Securing Debt:

7142 Shannonwood Court, Mechanicsville, VA

Hanover County

House valued by realtor and described as being in poor

condition.

Property will be (check one):

 Surrendered  Retained

If retaining the property, I intend to (check at least one):

 Redeem the property

 Reaffirm the debt

 Other. Explain Debtors plan to retain the property and continue making monthly payments (for example, avoid lien

using 11 U.S.C. § 522(f)).

Property is (check one):

 Claimed as Exempt  Not claimed as exempt

PART B - Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease.

Attach additional pages if necessary.)

Property No. 1

Lessor's Name:

DirecTV

Describe Leased Property:

Satellite Service - expires 7/2017

Lease will be Assumed pursuant to 11

U.S.C. § 365(p)(2):

 YES  NO

Property No. 2

Lessor's Name:

SIUPREM

Describe Leased Property:

Vehicle Warranty - expires 01/21/2016.

Lease will be Assumed pursuant to 11

U.S.C. § 365(p)(2):

 YES  NO

Property No. 3

Lessor's Name:

Sprint

Describe Leased Property:

Cell Phone Service - expires 5/2017

Lease will be Assumed pursuant to 11

U.S.C. § 365(p)(2):

 YES  NO

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B8 (Form 8) (12/08) Page 3

I declare under penalty of perjury that the above indicates my intention as to any property of my estate securing a debt and/or

personal property subject to an unexpired lease.

Date September 17, 2015 Signature /s/ David T. Chandler

David T. Chandler

Debtor

Date September 17, 2015 Signature /s/ Amy G. Chandler

Amy G. Chandler

Joint Debtor

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Form B203 2014 USBC, Eastern District of Virginia

United States Bankruptcy Court

Eastern District of Virginia

In re

David T. Chandler

Amy G. Chandler Case No.

Debtor(s) Chapter 7

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR

1. Pursuant to 11 U.S.C. § 329(a) and Bankruptcy Rule 2016(b), I certify that I am the attorney for the above-named debtor(s) and that

compensation paid to me, for services rendered or to be rendered on behalf of the debtor(s) in contemplation of or in connection with the

bankruptcy case is as follows:

For legal services, I have agreed to accept $ 1500.00

Prior to the filing of this statement I have received $ 1500.00

Balance Due $ 0.00

2. The source of the compensation paid to me was:

Debtor Other (specify)

3. The source of compensation to be paid to me is:

Debtor Other (specify)

4. I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates of my law firm.

I have agreed to share the above-disclosed compensation with a person or persons who are not members or associates of my law firm. A

copy of the agreement, together with a list of the names of the people sharing in the compensation, is attached.

5. In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:

a. Analysis of the debtor's financial situation, and rendering advice to the debtor in determining whether to file a petition in bankruptcy;

b. Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;

c. Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;

d. Other provisions as needed:

Exemption planning.

6. By agreement with the debtor(s), the above-disclosed fee does not include the following services:

By agreement with the debtor(s), the above-disclosed fee does not include the following services:

Representation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions or

any other adversary proceeding. Negotiations with secured creditors to reduce market value. Preparation and

filing of motions pursuant to 11U.S.C. 522(f)(2)(A) for avoidance of liens on household goods. Additional

services resulting from the failure of the debtor to appear at the Meeting of Creditors or representation of the

debtor at continued Meeting of Creditors and in any negotiations with any creditor or the U. S. Trustee or his

office. The Debtor acknowledges these limitations of this representation; and further, will join in a Motion and

Order to allow Harry Shaia, Jr. or W. Scott Dillard II and Spinella, Owings & Shaia, P.C. to fully withdraw as the

"case counsel" in this bankruptcy case, and as counsel for any and all adversary proceedings, if any, and as

counsel for any and all contested proceedings, if any, in this case.

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Form B203 2014 USBC, Eastern District of Virginia

CERTIFICATION

I certify that the foregoing is a complete statement of any agreement or arrangement for payment to me for representation of the debtor(s) in

this bankruptcy proceeding.

09/17/2015 /s/ Harry Shaia, Jr.

Date Harry Shaia, Jr.

Signature of Attorney

Spinella, Owings & Shaia, P.C.

Name of Law Firm

8550 Mayland Drive

Richmond, VA 23294-4704

804-747-0920 Fax: 804-270-7268

For use in Chapter 13 Cases where Fees Requested Not in Excess of $5,000

(For all Cases Filed on or after 8/1/2014)

NOTICE TO DEBTOR(S), STANDING CHAPTER 13 TRUSTEE AND UNITED

STATES TRUSTEE

PURSUANT TO LOCAL BANKRUPTCY RULE 2016-1(C) AND

CLERK’S CM/ECF POLICY 9

Notice is hereby given that pursuant to Local Bankruptcy Rule 2016-1(C), you must file an objection with the court to the fees requested

in this disclosure of compensation opposing said fees in their entirety, or in a specific amount, no later than the last day for filing objections to

confirmation of the chapter 13 plan.

PROOF OF SERVICE

The undersigned hereby certifies that on this date the foregoing Notice was served upon the debtor(s), the standing Chapter 13 trustee,

and U. S. trustee pursuant to Local Bankruptcy Rule 2016-1(C) and the Clerk’s CM/ECF Policy 9, either electronically or in paper form (first class

mail).

Date

Signature of Attorney

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B 201A (Form 201A) (6/14)

UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

NOTICE TO CONSUMER DEBTOR(S) UNDER § 342(b)

OF THE BANKRUPTCY CODE

In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes

briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of

bankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney General

may examine all information you supply in connection with a bankruptcy case.

You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an

attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice.

Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that

you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in

your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists

the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed

from the bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse

receive a separate copy of all notices.

1. Services Available from Credit Counseling Agencies

With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy

relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and

provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The

briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be

provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The

clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a

joint case must complete the briefing.

In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial management

instructional course before he or she can receive a discharge. The clerk also has a list of approved financial management

instructional courses. Each debtor in a joint case must complete the course.

2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors

Chapter 7: Liquidation ($245 filing fee, $75 administrative fee, $15 trustee surcharge: Total Fee $335)

Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose

debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to

proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases,

the United States trustee (or bankruptcy administrator), the trustee, or creditors have the right to file a motion requesting that the court

dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed.

Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take

possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.

The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have

committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the

purpose for which you filed the bankruptcy petition will be defeated.

Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be

responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement

obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your

bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated

from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and

malicious injury, the bankruptcy court may determine that the debt is not discharged.

Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee,

$75 administrative fee: Total Fee $310)

Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over

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Form B 201A, Notice to Consumer Debtor(s) Page 2

a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy

Code.

Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using

your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your

income and other factors. The court must approve your plan before it can take effect.

After completing the payments under your plan, your debts are generally discharged except for domestic support obligations;

most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your

bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations.

Chapter 11: Reorganization ($1,167 filing fee, $550 administrative fee: Total Fee $1,717)

Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quite

complicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney.

Chapter 12: Family Farmer or Fisherman ($200 filing fee, $75 administrative fee: Total Fee $275)

Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earnings

and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose income arises primarily from a

family-owned farm or commercial fishing operation.

3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials

A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, either

orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information supplied by a

debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the United

States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice.

WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors,

assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not

filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court. The

documents and the deadlines for filing them are listed on Form B200, which is posted at

http://www.uscourts.gov/bkforms/bankruptcy_forms.html#procedure.

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B 201B (Form 201B) (12/09)

United States Bankruptcy Court

Eastern District of Virginia

In re

David T. Chandler

Amy G. Chandler Case No.

Debtor(s) Chapter 7

CERTIFICATION OF NOTICE TO CONSUMER DEBTOR(S)

UNDER § 342(b) OF THE BANKRUPTCY CODE

Certification of Debtor

I (We), the debtor(s), affirm that I (we) have received and read the attached notice, as required by § 342(b) of the Bankruptcy

Code.

David T. Chandler

Amy G. Chandler X /s/ David T. Chandler

September 17,

2015

Printed Name(s) of Debtor(s) Signature of Debtor Date

Case No. (if known) X /s/ Amy G. Chandler

September 17,

2015

Signature of Joint Debtor (if any) Date

Instructions: Attach a copy of Form B 201 A, Notice to Consumer Debtor(s) Under § 342(b) of the Bankruptcy Code.

Use this form to certify that the debtor has received the notice required by 11 U.S.C. § 342(b) only if the certification has NOT been made on the

Voluntary Petition, Official Form B1. Exhibit B on page 2 of Form B1 contains a certification by the debtor's attorney that the attorney has given the

notice to the debtor. The Declarations made by debtors and bankruptcy petition preparers on page 3 of Form B1 also include this certification.

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}bk1{Credito AresMatix}bk{

American Express

Bankruptcy Dept

PO Box 981535

El Paso, TX 79998-1535

Bank of America, N.A.

DE5-024-02-08 Legal

PO Box 15047

Wilmington, DE 19850-5047

Best Buy/CBNA

PO Box 790441

Saint Louis, MO 63179

Chase Card Services

PO Box 15298

Wilmington, DE 19850-5298

Citicards CBNA

701 E. 60th St. N.

Sioux Falls, SD 57104

DirecTV

PO Box 6550

Greenwood Village, CO 80155

Kohl's

Attn: Credit Administrator

PO Box 3043

Milwaukee, WI 53201-3043

SIUPREM

PO Box 105611

Atlanta, GA 30348-5611

Sprint

PO Box 8077

London, KY 40742

SunTrust Bank

PO Box 85052

Mail Code RVW 7951

Richmond, VA 23285

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Wells Fargo Home Equity

PO Box 10335

Des Moines, IA 50306

Wells Fargo Home Mortgage

PO Box 10335

Des Moines, IA 50306-0335

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Fill in this information to identify your case: Check one box only as directed in this form and in

Form 22A-1Supp:

Debtor 1 David T. Chandler

 1. There is no presumption of abuse

 2. The calculation to determine if a presumption of abuse

applies will be made under Chapter 7 Means Test

Calculation (Official Form 22A-2).

 3. The Means Test does not apply now because of

qualified military service but it could apply later.

Debtor 2 Amy G. Chandler

(Spouse, if filing)

United States Bankruptcy Court for the: Eastern District of Virginia

Case number

(if known)

 Check if this is an amended filing

Official Form 22A - 1

Chapter 7 Statement of Your Current Monthly Income 12/14

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for being accurate. If more

space is needed, attach a separate sheet to this form. Include the line number to which the additional information applies. On the top of any

additional pages, write your name and case number (if known). If you believe that you are exempted from a presumption of abuse because

you do not have primarily consumer debts or because of qualifying military service, complete and file Statement of Exemption from

Presumption of Abuse Under § 707(b)(2) (Official Form 22A-1Supp) with this form.

Part 1: Calculate Your Current Monthly Income

1. What is your marital and filing status? Check one only.

 Not married. Fill out Column A, lines 2-11.

 Married and your spouse is filing with you. Fill out both Columns A and B, lines 2-11.

 Married and your spouse is NOT filing with you. You and your spouse are:

 Living in the same household and are not legally separated. Fill out both Columns A and B, lines 2-11.

 Living separately or are legally separated. fill out Column A, lines 2-11; do not fill out Column B. By checking this box, you declare under

penalty of perjury that you and your spouse are legally separated under nonbankruptcy law that applies or that you and your spouse are

living apart for reasons that do not include evading the Means Test requirements. 11 U.S.C § 707(b)(7)(B).

Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this bankruptcy

case. 11 U.S.C. § 101(10A). For example, if you are filing on September 15, the 6-month period would be March 1 through August 31. If the amount

of your monthly income varied during the 6 months, add the income for all 6 months and divide the total by 6. Fill in the result. Do not include any

income amount more than once. For example, if both spouses own the same rental property, put the income from that property in one column only.

If you have nothing to report for any line, write $0 in the space.

Column A

Debtor 1

Column B

Debtor 2 or

non-filing spouse

2. Your gross wages, salary, tips, bonuses, overtime, and commissions (before

all payroll deductions). $ 5,991.42 $ 0.00

3. Alimony and maintenance payments. Do not include payments from a spouse if

Column B is filled in. $ 0.00 $ 0.00

4. All amounts from any source which are regularly paid for household expenses

of you or your dependents, including child support. Include regular contributions

from an unmarried partner, members of your household, your dependents, parents,

and roommates. Include regular contributions from a spouse only if Column B is not

filled in. Do not include payments you listed on line 3. $ 0.00 $ 0.00

5. Net income from operating a business, profession, or farm

Gross receipts (before all deductions) $ 0.00

Ordinary and necessary operating expenses -$ 0.00

Net monthly income from a business, profession, or farm $ 0.00 Copy here -> $ 0.00 $ 0.00

6. Net income from rental and other real property

Gross receipts (before all deductions) $ 0.00

Ordinary and necessary operating expenses -$ 0.00

Net monthly income from rental or other real property $ 0.00 Copy here -> $ 0.00 $ 0.00

7. Interest, dividends, and royalties $ 0.00 $ 0.00

Official Form 22A-1 Chapter 7 Statement of Your Current Monthly Income page 1

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Debtor 1

Debtor 2

David T. Chandler

Amy G. Chandler Case number (if known)

Column A

Debtor 1

Column B

Debtor 2 or

non-filing spouse

8. Unemployment compensation $ 0.00 $ 0.00

Do not enter the amount if you contend that the amount received was a benefit

under the Social Security Act. Instead, list it here:

For you $ 0.00

For your spouse $ 0.00

9. Pension or retirement income. Do not include any amount received that was a

benefit under the Social Security Act. $ 0.00 $ 0.00

10. Income from all other sources not listed above. Specify the source and amount.

Do not include any benefits received under the Social Security Act or payments

received as a victim of a war crime, a crime against humanity, or international or

domestic terrorism. If necessary, list other sources on a separate page and put the

total on line 10c.

10a. Part time job $ 1,458.34 $ 0.00

10b. $ 0.00 $ 0.00

10c. Total amounts from separate pages, if any. + $ 0.00 $ 0.00

11. Calculate your total current monthly income. Add lines 2 through 10 for

each column. Then add the total for Column A to the total for Column B. $ 7,449.76 + $ 0.00 = $ 7,449.76

Total current monthly

income

Part 2: Determine Whether the Means Test Applies to You

12. Calculate your current monthly income for the year. Follow these steps:

12a. Copy your total current monthly income from line 11 Copy line 11 here=> 12a. $ 7,449.76

Multiply by 12 (the number of months in a year) x 12

12b. The result is your annual income for this part of the form 12b. $

89,397.12

13. Calculate the median family income that applies to you. Follow these steps:

Fill in the state in which you live. VA

Fill in the number of people in your household. 5

Fill in the median family income for your state and size of household. 13. $

101,449.00

14. How do the lines compare?

14a.  Line 12b is less than or equal to line 13. On the top of page 1, check box 1, There is no presumption of abuse.

Go to Part 3.

14b.  Line 12b is more than line 13. On the top of page 1, check box 2, The presumption of abuse is determined by Form 22A-2.

Go to Part 3 and fill out Form 22A-2.

Part 3: Sign Below

By signing here, I declare under penalty of perjury that the information on this statement and in any attachments is true and correct.

X /s/ David T. Chandler X /s/ Amy G. Chandler

David T. Chandler Amy G. Chandler

Signature of Debtor 1 Signature of Debtor 2

Date September 17, 2015 Date September 17, 2015

MM / DD / YYYY MM / DD / YYYY

If you checked line 14a, do NOT fill out or file Form 22A-2.

If you checked line 14b, fill out Form 22A-2 and file it with this form.

Official Form 22A-1 Chapter 7 Statement of Your Current Monthly Income page 2

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