UNITED STATES BANKRUPTCY COURT

Name of Debtor(s): Emericus Sadel Manning Case No.:

CHAPTER 13 PLAN

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

AND RELATED MOTIONS

This plan, dated , is:

the FIRST Chapter 13 plan filed in this case. a modified Plan, which replaces the

Date and Time of MODIFIED PLAN Confirmation Hearing:

Place of MODIFIED PLAN Confirmation Hearing:

12/2/2015

confirmed or unconfirmed Plan dated

The Plan provisions modified by this filing are:

Creditors affected by this modification are:

NOTICE: YOUR RIGHTS WILL BE AFFECTED. You should read these papers carefully. If you oppose any

provision of this Plan, or if you oppose any included motions to (i) value collateral, (ii) avoid liens, or (iii)

assume or reject unexpired leases or executory contracts, you MUST file a timely written objection. This Plan may be confirmed and become binding, AND THE INCLUDED MOTIONS IN PARAGRAPHS 3, 6, AND 7

TO VALUE COLLATERAL, AVOID LIENS, AND ASSUME OR REJECT UNEXPIRED LEASES OR EXECUTORY

CONTRACTS MAY BE GRANTED, without further notice or hearing unless a written objection is filed not later

than seven (7) days prior to the date set for the confirmation hearing and the objecting party appears at the

confirmation hearing.

The debtor(s)' schedules list assets and liabilities as follows:

Total Assets:

Total Non-Priority Unsecured Debt:

Total Priority Debt:

Total Secured Debt:

$331,105.00

$18,778.00

$328,800.00

$3,000.00

1. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of for

months. Other payments to the Trustee are as follows:

The total amount to be paid into the plan is $29,340.00 . Tax Refunds as directed by Trustee

60

$489.00 per month

2. Priority Creditors. The Trustee shall pay allowed priority claims in full unless the creditor agrees otherwise. A. Administrative Claims under 11 U.S.C. § 1326. 1.

2. Debtor(s)' attorney will be paid balance due of the total fee of

concurrently with or prior to the payments to remaining creditors. $3,000.00 $4,000.00

The Trustee will be paid the percentage fee fixed under 28 U.S.C. § 586(e), not to exceed 10%, of all

sums disbursed except for funds returned to the debtor(s).

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

Chapter 13 Plan

Emericus Sadel Manning

B. Claims under 11 U.S.C. § 507.

Creditor Type of Priority Estimated Claim Payment and Term

The following priority creditors will be paid by deferred cash payments pro rata with other priority creditors or

in monthly installments as below, except that allowed claims pursuant to 11 U.S.C. § 507(a)(1) will be paid

prior to other priority creditors but concurrently with administrative claims above:

3. Secured Creditors: Motions to Value Collateral ("Cramdown"), Collateral being Surrendered, Adequate Protection

Payments, and Payment of certain Secured Claims. A.

This section deals with valuation of certain claims secured by real and/or personal property, other than claims

projected from "cramdown" by 11 U.S.C. § 1322(b)(2) [real estate which is debtor(s)' principal residence] or by the

final paragraph of 11 U.S.C. § 1325(a) [motor vehicles purchased within 910 days or any other thing of value

purchased within 1 year befor filing bankruptcy], in which the replacement value is asserted to be less than the

amount owing on the debt. SUCH DEBTS WILL BE TREATED AS SECURED CLAIMS ONLY TO THE EXTENT OF

THE REPLACEMENT VALUE OF THE COLLATERAL. THAT VALUE WILL BE PAID WITH INTEREST AS PROVIDED

IN SUB-SECTION D OF THIS SECTION. YOU MUST REFER TO SECTION 3(D) BELOW TO DETERMINE THE

INTEREST RATE, MONTHLY PAYMENT AND ESTIMATED TERM OF REPAYMENTS OF ANY "CRAMMED DOWN" LOAN. THE DEFICIENCY BALANCE OWED ON SUCH A CLAIM WILL BE TREATED AS AN UNSECURED CLAIM TO

BE PAID ONLY TO THE EXTENT PROVIDED IN SECTION 4 OF THE PLAN. The following secured claims are to be

"crammed down" to the following values:

Motions to Value Collateral (other than claims protected from "cramdown" by 11 U.S.C. § 1322(b)(2) or by

the final paragraph of 11 U.S.C. § 1325(a)). Unless a written objection is timely filed with the Court, the

Court may grant the debtor(s)' motion to value collateral as set forth herein.

Creditor /

Collateral

Purchase

Date

Est. Debt

Bal. ReplacementValue

B. Real or Personal Property to be Surrendered.

Creditor Collateral Description Estimated Value Estimated Total Claim

Upon confirmation of the Plan, or before, the debtor(s) will surrender his/her/their interest in the collateral securing

the claims of the following creditors in satisfaction of the secured portion of such creditors' allowed claims. To the

extent that the collateral does not satisfy the claim, any timely filed deficiency claim to which the creditor is entitled

may be paid as a non-priority unsecured claim. Confirmation of the Plan shall terminate the automatic stay as to the

interest of the debtor(s) and the estate in the collateral.

C. Adequate Protection Payments.

Creditor Collateral

Adeq. Protection

Monthly Payment To Be Paid By

The debtor(s) propose to make adequate protection payments required by 11 U.S.C. § 1326(a) or otherwise upon

claims secured by personal property, until the commencement of payments provided for in sections 3(D) and/or 6(B)

of the Plan, as follows:

Any adequate protection payment upon an unexpired lease of personal property assumed by the debtor(s) pursuant

to section 6(B) of the Plan shall be made by the debtor(s) as required by 11 U.S.C. § 1326(a)(1)(B) (payments

coming due after the order for relief).

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

Chapter 13 Plan

Emericus Sadel Manning

D.

This section deals with payment of debts secured by real and/or personal property [including short term obligations,

judgments, tax liens and other secured debts]. After confirmation of the Plan, the Trustee will pay to the holder of

each allowed secured claim, which will be either the balance owed on the indebtedness or, where applicable, the

collateral's replacement value as specified in sub-section A of this section, WHICHEVER IS LESS, with interest at

the rate provided below, the monthly payment specified below until the amount of the secured claim has been paid

in full. UPON CONFIRMATION OF THE PLAN, THE VALUATION AND INTEREST RATE SHOWN BELOW WILL BE

BINDING UNLESS A TIMELY WRITTEN OBJECTION TO CONFIRMATION IS FILED WITH AND SUSTAINED BY THE

COURT.

Payment of Secured Claims on Property Being Retained (except only those loans provided for in section 5

of the Plan):

Creditor /

Collateral

Approx. Bal of Debt or "Crammed Down" ValueInterest

Rate

Monthly Payment

and Est. Term

Loan Max

2012 Chevy Impala 103K miles

$500.00 4.50% Pro-Rata

46 months

Santander Consumer USA

2009 Ford Expedition

$3,000.00 4.50% Pro-Rata

46 months

E. Other Debts. Debts which are (i) mortgage loans secured by real estate which is the debtor(s)' primary residence, or (ii) other long

term obligations, whether secured or unsecured, to be continued upon the existing contract terms with any existing

default in payments to be cured pursuant to 11 U.S.C. § 1322(b)(5), are provided for in section 5 of the Plan.

4. Unsecured Claims. A. Not separately classified. Allowed non-priority unsecured claims shall be paid pro rata from any distribution

remaining after disbursement to allowed secured and priority claims. Estimated distribution is approximately

liquidated under Chapter 7, the debtor(s) estimate that unsecured creditors would receive a dividend of

approximately .

100%

51%

. The dividend percentage may vary depending on actual claims filed. If this case were

B. Separately classified unsecured claims. Creditor Basis for Classification Treatment

5.

A. Debtor(s) to make regular contract payments; arrears, if any to be paid by Trustee. The creditors listed

Creditor /

Collateral

Regular

Payment

Estimated

Arrearage

Interest

Rate

Estimated

Cure Period

Contract

Monthly

Arrearage

Payment

Arrearage

Mortgage Loans Secured by Real Property Constituting the Debtor(s)' Primary Residence; Other Long Term Payment

Obligations, whether secured or unsecured, to be continued upon existing contract terms; Curing of any existing

default under 11 U.S.C. § 1322(b)(5).

below will be paid by the debtor(s) pursuant to the contract without modification, except that arrearages, if any

will be paid by the Trustee either pro rata with other secured claims or on a fixed monthly basis as indicated

below, without interest unless an interest rate is designated below for interest to be paid on the arrearage

claim and such interest is provided for in the loan agreement.

Green Planet Servicing

Home

$1,814.00 $13,000.00 0.00% 46 months Pro-Rata

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

Chapter 13 Plan

Emericus Sadel Manning

B. Trustee to make contract payments and cure arrears, if any. The Trustee shall pay the creditors listed

Creditor /

Collateral

Regular

Contract

Payment

Estimated

Arrearage

Interest Rate

on Arrearage

Monthly Payment on

Arrearage and Est. Term

below the regular contract monthly payments that come due during the period of this Plan, and pre-petition

arrearages on such debts shall be cured by the Trustee either pro rata with other secured claims or with

monthly payments as set forth below.

Mary Washington Healthcare $0.00

C. Restructured Mortgage Loans to be paid fully during term of Plan. Any mortgage loan against real estate

Creditor /

Collateral

Interest

Rate

Estimated

Claim

Monthly Payment

and Term

constituting the debtor(s)' principal residence upon which the last scheduled contract payment is due before

the final payment under the Plan is due shall be paid by the Trustee during the term of the Plan as permitted

by 11 U.S.C. § 1322(c)(2) with interest at the rate specified below as follows:

6. Unexpired Leases and Executory Contracts. The debtor(s) move for assumption or rejection of the executory contracts

and leases listed below. A. Executory contracts and unexpired leases to be rejected. The debtor(s) reject the following executory contracts:

Creditor Type of Contract

B. Executory contracts and unexpired leases to be assumed. The debtor(s) assume the following executory

Creditor Type of Contract Arrearage for Arrears Cure Period

Monthly

Payment Estimated

contracts. The debtor(s) agree to abide by all terms of the agreement. The Trustee will pay the pre-petition

arrearages, if any, through payments made pro rata with other priority claims or on a fixed monthly basis as

indicated below.

7. Liens Which Debtor(s) Seek to Avoid. A. The debtor(s) move to avoid liens pursuant to 11 U.S.C. § 522(f). The debtor(s) move to avoid the following

Creditor /

Collateral Exemption Basis Exemption Amount Value of Collateral

judicial liens and non-possessory, non-purchase money liens that impair the debtor(s)' exemptions. UNLESS A

WRITTEN OBJECTION IS TIMELY FILED WITH THE COURT, THE COURT MAY GRANT THE DEBTOR(S)' MOTION AND CANCEL THE CREDITOR'S LIEN. If an objection is filed, the Court will hear evidence and rule on

the motion at the confirmation hearing.

B. Avoidance of security interests or liens on grounds other than 11 U.S.C. § 522(f).

Creditor /

Description of Collateral Type of Lien Basis for Avoidance

The debtor(s) have filed or will

file and serve separate pleadings to avoid the following liens or security interests. The creditor should review the

notice or summons accompanying such pleadings as to the requirements for opposing such relief. The listing

here is for information purposes only.

8. Treatment and Payment of Claims.

- All creditors must timely file a proof of claim to receive any payment from the Trustee.

- If a claim is scheduled as unsecured and the creditor files a claim alleging the claim is secured but does not timely

object to confirmation of the Plan, the creditor may be treated as unsecured for purposes of distribution under the

Plan. This paragraph does not limit the right of the creditor to enforce its lien, to the extent not avoided or provided for

in this case, after the debtor(s) receive a discharge.

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

Chapter 13 Plan

Emericus Sadel Manning

- If a claim is listed in the Plan as secured and the creditor files a proof of claim alleging the claim is unsecured, the

creditor will be treated as unsecured for purposes of distribution under the Plan.

- The Trustee may adjust the monthly disbursement amount as needed to pay an allowed secured claim in full.

9. Vesting of Property of the Estate. Property of the estate shall revest in the debtor(s) upon confirmation of the Plan. Notwithstanding such vesting, the debtor(s) may not sell, refinance, encumber real property or enter into a mortgage loan

modification without approval of the Court after notice to the Trustee, any creditor who has filed a request for notice and

other creditors to the extent required by the Local Rules of this Court.

10. Incurrence of indebtedness. The debtor(s) shall not voluntarily incur additional indebtedness exceeding the cumulative

total of $5,000 principal amount during the term of this Plan, either unsecured or secured against personal property, except upon approval of the Court after notice to the Trustee, any creditor who has filed a request for notice, and other

creditors to the extent required by the Local Rules of this Court.

11. Other provisions of this plan:

Signatures:

Dated:

Exhibits: Copy of Debtor(s)' Budget (Schedule I and J);

Matrix of Parties Served with plan

December 2, 2015

/s/ Emericus Sadel Manning

Emericus Sadel Manning, Debtor

/s/ Barry Weintraub

Barry Weintraub, Attorney for Debtor

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

IN RE: Emericus Sadel Manning

Debtor CASE NO.

CHAPTER 13

Joint Debtor CERTIFICATE OF SERVICE

Stafford, VA 22556

32 Hayes St. Weintraub Law Office

Bar ID:24453

Barry Weintraub

(540) 658-9980

/s/ Barry Weintraub

Barry Weintraub

I certify that on December , 2015, I mailed a copy of the foregoing to the creditors and parties in interest on the

attached Service List.

American Collections Enterprise Inc

xxxxxxx0089

PO Box 30096

Alexandria, VA 22310

American Collections Enterprise Inc

xxxxxxx0293

PO Box 30096

Alexandria, VA 22310

Calvary Portfolio Services

xxxx8260

500 Summit Lake Dr

Ste 400

Valhalla, NY 10595

Emericus Sadel Manning

12 Royal Crescent Way

Fredericksburg, VA 22406

ERC/Enhanced Recovery Corp

xxxxx4448

8014 Bayberry Rd

Jacksonville, FL 32256

Fredericksburg Cr Bur

xxxxxxxxxxxx7873

10506 Wakeman Dr

Fredericksburg, VA 22407

Green Planet Servicing

xxxxxxxxx2535

321 Research Pkwy Ste 30

Meriden, CT 06450

Kohls/Capital One

xxxxxxxxxxxx5882

PO Box 3120

Milwaukee, WI 53201

Loan Max

334 Amaret Street

Fredericksburg, VA 22401

Lvnv Funding Llc

xxxxxxxxxxxx5769

Po Box 10497

Greenville, SC 29603

Mary Washington Healthcare

2300 Fall Hill Ave, Suite 100

Fredericksburg VA 22401

Profess Acct

xxxx4690

633 W Wisconsin Av

Milwaukee, WI 53203

4

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

IN RE: Emericus Sadel Manning

Debtor CASE NO.

CHAPTER 13

Joint Debtor CERTIFICATE OF SERVICE

(Continuation Sheet #1)

Profess Acct

xxxx3551

633 W Wisconsin Av

Milwaukee, WI 53203

Receivable Management

xxxxxxxxxxxxx2281

7206 Hull Street Rd Ste

North Chesterfield, VA 23235

Santander Consumer USA

xxxxxxxxxxxxx1000

PO Box 961245

Fort Worth, TX 76161

Tate & Kirlin Assoc

xxxx4910

2810 Southhampton RD

Philadelphia, PA 19154

United Consumer Financial Services

xxxx1832

865 Bassett Rd

Westlake, OH 44145

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Official Form 106I

Schedule I: Your Income 12/15

Part 1: Describe Employment

1.

Fill in this information to identify your case:

Debtor 1

Debtor 2

(Spouse, if filing)

First Name Middle Name Last Name

First Name Middle Name Last Name United States Bankruptcy Court for the: Case number

(if known)

An amended filing

Emericus Sadel Manning

EASTERN DISTRICT OF VIRGINIA

Fill in your employment

Check if this is:

A supplement showing postpetition

chapter 13 income as of the following date: MM / DD / YYYY

information. Employment status

Occupation

Employer's name

Employer's address

How long employed there?

Debtor 1 Debtor 2 or non-filing spouse Employed

Not employed

Employed

Not employed

Number Street Number Street

City State Zip Code City State Zip Code

software engineer

Compter Science Corporation

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.

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.

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.

2. List monthly gross wages, salary, and commissions

For Debtor 1 For Debtor 2 or non-filing spouse

(before all

payroll deductions). If not paid monthly, calculate what the monthly wage

2. $10,830.00 would be.

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.

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

4. Calculate gross income. Add line 2 + line 3. 4. $10,830.00

Official Form 106I Schedule I: Your Income page 1

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Debtor 1

First Name Middle Name Last Name Emericus Sadel Manning Case number (if known)

Copy line 4 here ...................................................................................................................

For Debtor 1 For Debtor 2 or non-filing spouse

4. $10,830.00

5. List all payroll deductions: 5a. Tax, Medicare, and Social Security deductions 5a. 5b. Mandatory contributions for retirement plans 5b. 5c. Voluntary contributions for retirement plans 5c. 5d. Required repayments of retirement fund loans 5d. 5e. Insurance 5e. 5f. Domestic support obligations 5f. 5g. Union dues 5g.

5h. 5h. Other deductions. Specify: +

$3,231.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

VA Tax $587.00

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e + 5f + 6. $3,818.00

5g + 5h. 7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $7,012.00

8. List all other income regularly received: 8a. 8a.

8b. Interest and dividends 8b. 8c. 8c.

8d. Unemployment compensation 8d.

8f.

8f. 8e. Social Security 8e. Other government assistance that you regularly receive

Specify:

8h. 8h. 8g. Pension or retirement income 8g. Other monthly income. Specify: +

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

foster care support $450.00

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.

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.

Include cash assistance and the value (if known) or any non- cash assistance that you receive, such as food stamps

(benefits under the Supplemental Nutrition Assistance Program) or housing subsidies.

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f + 8g + 8h. 9. $450.00

10. Calculate monthly income. Add line 7 + line 9. 10. Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse. $7,462.00 + = $7,462.00

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

Specify: 11. + $0.00

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.

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

income. Write that amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, Combined monthly income

$7,462.00

if it applies.

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

No. Yes. Explain: None.

Official Form 106I Schedule I: Your Income page 2

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Official Form 106J

Schedule J: Your Expenses 12/15

Part 1: Describe Your Household

1.

An amended filing

Is this a joint case?

Check if this is:

A supplement showing postpetition

chapter 13 expenses as of the

following date: MM / DD / YYYY

No. Go to line 2. Yes. NoYes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Household of Debtor 2.

Fill in this information to identify your case:

Debtor 1

Debtor 2

(Spouse, if filing)

First Name Middle Name Last Name

First Name Middle Name Last Name United States Bankruptcy Court for the: Case number

(if known)

Emericus Sadel Manning

EASTERN DISTRICT OF VIRGINIA

Does Debtor 2 live in a separate household?

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.

2. Do you have dependents? NoYes. Fill out this information

for each dependent................................... Dependent's relationship to Debtor 1 or Debtor 2

Dependent's

age Does dependentlive with you?

NoYes NoYes NoYes NoYes NoYes

foster child 16

Do not list Debtor 1 and

Debtor 2. Do not state the dependents' names.

3. NoYes Do your expenses include

expenses of people other than

yourself and your dependents?

Part 2: Estimate Your Ongoing Monthly Expenses

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.

If not included in line 4: 4a. Real estate taxes 4b. Property, homeowner's, or renter's insurance

4c. Home maintenance, repair, and upkeep expenses 4d. Homeowner's association or condominium dues

4a. 4b. 4c. 4d.

$1,814.00

$50.00

$125.00

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 106I.)

Official Form 106J Schedule J: Your Expenses page 1

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Debtor 1

First Name Middle Name Last Name Emericus Sadel Manning Case number (if known)

Your expenses

5. Additional mortgage payments for your residence, such as home equity loans 5. 6. Utilities: 6a. Electricity, heat, natural gas 6b. Water, sewer, garbage collection

6c. Telephone, cell phone, Internet, satellite, and

6d. Other. Specify:

6a. 6b. 6c.

6d.

$300.00

$25.00

$170.00

cell $130.00

cable services

7. Food and housekeeping supplies 7. $600.00

8. Childcare and children's education costs 8. 9. Clothing, laundry, and dry cleaning 9. $300.00

10. Personal care products and services 10. $50.00

11. Medical and dental expenses 11. $100.00

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

fare. Do not include car payments. $300.00

13. Entertainment, clubs, recreation, newspapers, 13. $300.00 magazines, and books

14. Charitable contributions and religious donations 14. $1,000.00

15. Insurance.

15a. Life insurance

15b. Health insurance

15c. Vehicle insurance

15d. Other insurance. Specify:

15a. 15b. 15c. 15d.

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

$127.00

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

17. Installment or lease payments: 17a. Car payments for Vehicle 1

17b. Car payments for Vehicle 2

17c. Other. Specify: 17d. Other. Specify:

17a. 17b. 17c. 17d. 18. Your payments of alimony, maintenance, and support that you did not report as 18. deducted from your pay on line 5, Schedule I, Your Income (Official Form 106I).

19. Other payments you make to support others who do not live with you. Specify: 19. 20. Other real property expenses not included in lines 4 or 5 of this form or on

20a. Mortgages on other property

20b. Real estate taxes 20c. Property, homeowner's, or renter's insurance

20d. Maintenance, repair, and upkeep expenses

20a. 20b. 20c. 20d.

Schedule I: Your Income.

20e. Homeowner's association or condominium dues 20e.

Official Form 106J Schedule J: Your Expenses page 2

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Debtor 1

First Name Middle Name Last Name Emericus Sadel Manning Case number (if known)

21. Other. Specify: 21. +

22. Calculate your monthly expenses. 22a. Add lines 4 through 21. 22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2. 22c. Add line 22a and 22b. The result is your monthly expenses. 22c.

$5,391.00

$5,391.00

22a. 22b.

23. Calculate your monthly net income. 23a. Copy line 12 (your combined monthly income) from Schedule I. 23b. Copy your monthly expenses from line 22c above. 23c. Subtract your monthly expenses from your monthly income.

23a. 23b.

The result is your monthly net income. 23c.

–

$7,462.00

$5,391.00

$2,071.00

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

No. Yes. Explain here:

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?

None.

Official Form 106J Schedule J: Your Expenses page 3

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UNITED STATES BANKRUPTCY COURT 

____________________ DISTRICT OF VIRGINIA 

__________________ Division 

In re:

 Case No. ______________________ 

 

 Chapter 13 

 Debtor(s) 

SPECIAL NOTICE TO SECURED CREDITOR

To: ___________________________________, Attn: _________________________ 

Name of creditor 

__________________________________________________________________ 

Description of collateral

1. The attached chapter 13 plan filed by the debtor(s) proposes (check one): 

[ ] To value your collateral. See Section 3 of the plan. Your lien will be limited to 

the value of the collateral, and any amount you are owed above the value of the 

collateral will be treated as an unsecured claim. 

[ ] To cancel or reduce a judgment lien or a non-purchase money, non-possessory 

security interest you hold. See Section 7 of the plan. All or a portion of the 

amount you are owed will be treated as an unsecured claim. 

2. You should read the attached plan carefully for the details of how your claim is treated. 

The plan may be confirmed, and the proposed relief granted, unless you file and serve a written 

objection by the date specified and appear at the confirmation hearing. A copy of the objection 

must be served on the debtor(s), their attorney, and the chapter 13 trustee. 

Date objection due: _____________________________ 

Date and time of confirmation hearing: _____________________________ 

Place of confirmation hearing: _____________________________ 

 _____________________________ 

 Name(s) of debtor(s) 

 By: _______________________ 

 Signature

[ ] Debtor(s)’ Attorney 

[ ] Pro se debtor

Ronald Lloyd Dye

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 Document Page 13 of 16
 _________________________________ 

Name of attorney for debtor(s) 

_________________________________ 

Address of attorney [or pro se debtor]

_________________________________ 

Tel. # __________________________ 

Fax # __________________________ 

CERTIFICATE OF SERVICE 

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and 

Related Motions were served upon the creditor noted above by 

 ( ) first class mail in conformity with the requirements of Rule 7004(b), Fed.R.Bankr.P; or 

 ( ) certified mail in conformity with the requirements of Rule 7004(h), Fed.R.Bankr.P 

on this ___________day of ____________________ , 20____. 

__________________________________ 

Signature of attorney for debtor(s) 

 

Ver. 01/2010

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 Document Page 14 of 16
UNITED STATES BANKRUPTCY COURT 

____________________ DISTRICT OF VIRGINIA 

__________________ Division 

In re:

 Case No. ______________________ 

 

 Chapter 13 

 Debtor(s) 

SPECIAL NOTICE TO SECURED CREDITOR

To: ___________________________________, Attn: _________________________ 

Name of creditor 

__________________________________________________________________ 

Description of collateral

1. The attached chapter 13 plan filed by the debtor(s) proposes (check one): 

[ ] To value your collateral. See Section 3 of the plan. Your lien will be limited to 

the value of the collateral, and any amount you are owed above the value of the 

collateral will be treated as an unsecured claim. 

[ ] To cancel or reduce a judgment lien or a non-purchase money, non-possessory 

security interest you hold. See Section 7 of the plan. All or a portion of the 

amount you are owed will be treated as an unsecured claim. 

2. You should read the attached plan carefully for the details of how your claim is treated. 

The plan may be confirmed, and the proposed relief granted, unless you file and serve a written 

objection by the date specified and appear at the confirmation hearing. A copy of the objection 

must be served on the debtor(s), their attorney, and the chapter 13 trustee. 

Date objection due: _____________________________ 

Date and time of confirmation hearing: _____________________________ 

Place of confirmation hearing: _____________________________ 

 _____________________________ 

 Name(s) of debtor(s) 

 By: _______________________ 

 Signature

[ ] Debtor(s)’ Attorney 

[ ] Pro se debtor

Ronald Lloyd Dye

Case 15-14268-RGM Doc 5 Filed 12/04/15 Entered 12/04/15 13:58:14 Desc Main

 Document Page 15 of 16
 _________________________________ 

Name of attorney for debtor(s) 

_________________________________ 

Address of attorney [or pro se debtor]

_________________________________ 

Tel. # __________________________ 

Fax # __________________________ 

CERTIFICATE OF SERVICE 

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and 

Related Motions were served upon the creditor noted above by 

 ( ) first class mail in conformity with the requirements of Rule 7004(b), Fed.R.Bankr.P; or 

 ( ) certified mail in conformity with the requirements of Rule 7004(h), Fed.R.Bankr.P 

on this ___________day of ____________________ , 20____. 

__________________________________ 

Signature of attorney for debtor(s) 

 

Ver. 01/2010

Case 15-14268-RGM Doc 5 Filed 12/04/15 Entered 12/04/15 13:58:14 Desc Main

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