Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106Sum

Summary of Your Assets and Liabilities and Certain Statistical Information 12/15

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

information. Fill out all of your schedules first; then complete the information on this form. If you are filing amended schedules after you file

your original forms, you must fill out a new Summary and check the box at the top of this page.

Part 1: Summarize Your Assets

Your assets

Value of what you own

1. Schedule A/B: Property (Official Form 106A/B)

1a. Copy line 55, Total real estate, from Schedule A/B................................................................................................ $ 993,862.00

1b. Copy line 62, Total personal property, from Schedule A/B..................................................................................... $ 287,602.40

1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 1,281,464.40

Part 2: Summarize Your Liabilities

Your liabilities

Amount you owe

2. Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D)

2a. Copy the total you listed in Column A, Amount of claim, at the bottom of the last page of Part 1 of Schedule D... $ 1,403,930.54

3. Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F)

3a. Copy the total claims from Part 1 (priority unsecured claims) from line 6e of Schedule E/F................................. $ 0.00

3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F............................ $ 538,478.83

Your total liabilities $ 1,942,409.37

Part 3: Summarize Your Income and Expenses

4. Schedule I: Your Income (Official Form 106I)

Copy your combined monthly income from line 12 of Schedule I................................................................................ $ 7,932.75

5. Schedule J: Your Expenses (Official Form 106J)

Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 10,002.00

Part 4: Answer These Questions for Administrative and Statistical Records

6. Are you filing for bankruptcy under Chapters 7, 11, or 13?

 No. You have nothing to report on this part of the form. Check this box and submit this form to the court with your other schedules.

 Yes

7. What kind of debt do you have?

 Your debts are primarily consumer debts. Consumer debts are those “incurred by an individual primarily for a personal, family, or

household purpose.” 11 U.S.C. § 101(8). Fill out lines 8-9g for statistical purposes. 28 U.S.C. § 159.

 Your debts are not primarily consumer debts. You have nothing to report on this part of the form. Check this box and submit this form to

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 1 of 2

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 1 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

the court with your other schedules.

8. From the Statement of Your Current Monthly Income: Copy your total current monthly income from Official Form

122A-1 Line 11; OR, Form 122B Line 11; OR, Form 122C-1 Line 14. $

9. Copy the following special categories of claims from Part 4, line 6 of Schedule E/F:

Total claim

From Part 4 on Schedule E/F, copy the following:

9a. Domestic support obligations (Copy line 6a.) $ 0.00

9b. Taxes and certain other debts you owe the government. (Copy line 6b.) $ 0.00

9c. Claims for death or personal injury while you were intoxicated. (Copy line 6c.) $ 0.00

9d. Student loans. (Copy line 6f.) $ 0.00

9e. Obligations arising out of a separation agreement or divorce that you did not report as

priority claims. (Copy line 6g.) $ 0.00

9f. Debts to pension or profit-sharing plans, and other similar debts. (Copy line 6h.) +$ 0.00

9g. Total. Add lines 9a through 9f. $ 0.00

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 2 of 44
Fill in this information to identify your case and this filing:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015  Check if this is an

amended filing

Official Form 106A/B

Schedule A/B: Property 12/15

In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the category where you think

it fits best. 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 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 Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In

1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?

 No. Go to Part 2.

 Yes. Where is the property?

1.1 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

12309 Country Creek Way 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Glen Allen VA 23059-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $810,000.00 $810,000.00

 Timeshare Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only Tenants by the Entirety

Henrico  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property

 At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

2015 Tax Assessment $740,000

Appraised Value per SunTrust $810,000

Official Form 106A/B Schedule A/B: Property page 1

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 3 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

If you own or have more than one, list here:

1.2 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

944 Ne-Ah-Ta-Wanta 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Traverse City MI 49686-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $531,400.00 $175,362.00

 Timeshare Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only Joint tenant

Grand Traverse  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property

 At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

Mr. Todd holds a 1/3 interest in this property

Michigan Tax Assessment: $531,400

If you own or have more than one, list here:

1.3 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

Marriott Time Share in St. Thomas

USVI







Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $5,000.00 $5,000.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only Tenants by the Entirety

 Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property

 At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

Medium Season - 1 Week

Appromately annual expense for taxes and maintenance is $1,200

Debtors value is based on comparable timeshare listed on resale website

Official Form 106A/B Schedule A/B: Property page 2

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 4 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

If you own or have more than one, list here:

1.4 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

Marriott Time Share in St. Thomas

USVI







Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $3,500.00 $3,500.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only Tenants by the Entirety

 Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property

 At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

Low Season - 1 Week

Appromately annual expense for taxes and maintenance is $1,200

Debtors value is based on comparable timeshare listed on resale website

2. Add the dollar value of the portion you own for all of your entries from Part 1, including any entries for

pages you have attached for Part 1. Write that number here...........................................................................=> $993,862.00

Part 2: Describe Your Vehicles

Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles you own that

someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases.

3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles

 No

 Yes

3.1 Make: Chevrolet Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: Tahoe  Creditors Who Have Claims Secured by Property.

 Debtor 1 only

Year: 2008  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 151,000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Fair condition - Needs repairs

Owner - Husband  Check if this is community property $6,000.00 $6,000.00

 (see instructions)

3.2 Make: Volvo Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: XC60  Debtor 1 only Creditors Who Have Claims Secured by Property.

Year: 2012  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 82,000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Average Condition

Owners - Husband and Wife  Check if this is community property $12,286.00 $12,286.00

 (see instructions)

Official Form 106A/B Schedule A/B: Property page 3

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 5 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

3.3 Make: BMW Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: 530I Series  Creditors Who Have Claims Secured by Property.

 Debtor 1 only

Year: 2003  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 157,000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Fair condition

Owner - Husband  Check if this is community property $1,500.00 $1,500.00

 (see instructions)

3.4 Make: Dodge Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: Sprinter  Creditors Who Have Claims Secured by Property.

 Debtor 1 only

Year: 2004  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 65,000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Owner - Husband

 Check if this is community property $4,997.00 $4,997.00

 (see instructions)

4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories

Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories

 No

 Yes

4.1 Make: Boston Whaler Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model:  Debtor 1 only Creditors Who Have Claims Secured by Property.

Year: 2004  Debtor 2 only Current value of the

entire property?

Current value of the

 Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

2004 16 Ft. Boston Whaler with

trailer

 Check if this is community property $2,700.00 $2,700.00

 (see instructions)

5

.

Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for

pages you have attached for Part 2. Write that number here.............................................................................=> $27,483.00

Part 3: Describe Your Personal and Household Items

Do you own or have any legal or equitable interest in any of the following items? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

6. Household goods and furnishings

Examples: Major appliances, furniture, linens, china, kitchenware

 No

 Yes. Describe.....

Household goods and furnishings including antique clock $5,000.00

7. Electronics

Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music collections; electronic devices

including cell phones, cameras, media players, games

 No

 Yes. Describe.....

8. Collectibles of value

Examples: Antiques and figurines; paintings, prints, or other artwork; books, pictures, or other art objects; stamp, coin, or baseball card collections;

other collections, memorabilia, collectibles

 No

Official Form 106A/B Schedule A/B: Property page 4

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 6 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

 Yes. Describe.....

Family Heirlooms: Oriental Carpet $500; Dining room furniture

$500 and Furniture/items made by Mrs. Todd's father $200 $1,200.00

9. Equipment for sports and hobbies

Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes and kayaks; carpentry tools;

musical instruments

 No

 Yes. Describe.....

10. Firearms

Examples: Pistols, rifles, shotguns, ammunition, and related equipment

 No

 Yes. Describe.....

11. Clothes

Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories

 No

 Yes. Describe.....

Wearing Apparel $750.00

12. Jewelry

Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver

 No

 Yes. Describe.....

Wedding and Engagement Ring $15,000.00

Family Heirlooms - Antique Pearl Necklace $500.00

13. Non-farm animals

Examples: Dogs, cats, birds, horses

 No

 Yes. Describe.....

14. Any other personal and household items you did not already list, including any health aids you did not list

 No

 Yes. Give specific information.....

15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached

for Part 3. Write that number here .............................................................................. $22,450.00

Part 4: Describe Your Financial Assets

Do you own or have any legal or equitable interest in any of the following? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

16. Cash

Examples: Money you have in your wallet, in your home, in a safe deposit box, and on hand when you file your petition

 No

 Yes................................................................................................................

Official Form 106A/B Schedule A/B: Property page 5

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 7 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

17. Deposits of money

Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses, and other similar

institutions. If you have multiple accounts with the same institution, list each.

 No

 Yes........................ Institution name:

17.1. Brokerage Account UBS - Account currently has a zero balance $0.00

17.2. Checking Account C & F Bank (Acct ending 8884) $904.28

17.3. Checking Account C&F Bank (Acct ending 6722) $450.58

18. Bonds, mutual funds, or publicly traded stocks

Examples: Bond funds, investment accounts with brokerage firms, money market accounts

 No

 Yes.................. Institution or issuer name:

19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership,

and joint venture

 No

 Yes. Give specific information about them...................

Name of entity: % of ownership:

Debtors hold a 100% ownership interest in The

Todd Venture Group (formerly D/B/A Hitech

Ribbon) which ceased operation on 12-31-2015.

This entity has a checking account at C&F Bank

which has a balance of $28,384.00. This entity

holds a judgment against Kurt G. Abrahamsen,

Linda L. Abrahamsen, K Glenn, LLC f/k/a Hitech

Ribbon, LLC (A dissolved Virginia Limited

Liability Company) and LLA, LLC f/k/a Grease

Grip Gloves USA, LLC (A dissolved Virginia

Limited Liability Company) entered 6-18-2014 for

the amount of $1,043,720.80 plus interest since

March 2014. The Debtors have been actively

pursuing collection of this judgment with no

success. Litigation is currently pending in

Texas challenging Mr. Abramsen's asserted

homestead exemption, but Debtors can no

longer afford fees to support that litigation. The

liabilities of this entity exceed the assets.

100%

Ownership

Interest % $0.00

Mrs. Todd owns 40 non-voting shares of stock

in Icke Liquidating LLC (3% Ownership). Mrs.

Todd receives approximately $4,000 annually

from this LLC. The LLC holds a parcel of real

estate which is subject to a longstanding

contract for sale for which closing is in

question. The property is not readily

remarketable.

3%

Ownership

Interest % Unknown

Official Form 106A/B Schedule A/B: Property page 6

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 8 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Debtors hold 100% interest in Snap Office

Supplies, LLC which began operating on the

filing date, 1-4-2016. This new business is

geared to sales of office supplies. The former

business of The Todd Venture Group was the

sale of point-of-sale supplies to retail

astablishment including printer ribbon and

termal paper. Start up of this entity required

investment of approximately $10,000. 100% % $1.00

20. Government and corporate bonds and other negotiable and non-negotiable instruments

Negotiable instruments include personal checks, cashiers’ checks, promissory notes, and money orders.

Non-negotiable instruments are those you cannot transfer to someone by signing or delivering them.

 No

 Yes. Give specific information about them

Issuer name:

21. Retirement or pension accounts

Examples: Interests in IRA, ERISA, Keogh, 401(k), 403(b), thrift savings accounts, or other pension or profit-sharing plans

 No

 Yes. List each account separately.

Type of account: Institution name:

IRA IRA Retirement through UBS (Acct ending

0942) (Husband) $179,787.00

IRA Roth IRA Retirement through UBS (Acct

ending 8937)(Wife) $29,376.00

22. Security deposits and prepayments

Your share of all unused deposits you have made so that you may continue service or use from a company

Examples: Agreements with landlords, prepaid rent, public utilities (electric, gas, water), telecommunications companies, or others

 No

 Yes. ..................... Institution name or individual:

23. Annuities (A contract for a periodic payment of money to you, either for life or for a number of years)

 No

 Yes............. Issuer name and description.

24. Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program.

26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1).

 No

 Yes............. Institution name and description. Separately file the records of any interests.11 U.S.C. § 521(c):

25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your benefit

 No

 Yes. Give specific information about them...

26. Patents, copyrights, trademarks, trade secrets, and other intellectual property

Examples: Internet domain names, websites, proceeds from royalties and licensing agreements

 No

 Yes. Give specific information about them...

27. Licenses, franchises, and other general intangibles

Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses

 No

 Yes. Give specific information about them...

Money or property owed to you? Current value of the

portion you own?

Official Form 106A/B Schedule A/B: Property page 7

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 9 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Do not deduct secured

claims or exemptions.

28. Tax refunds owed to you

 No

 Yes. Give specific information about them, including whether you already filed the returns and the tax years.......

29. Family support

Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement

 No

 Yes. Give specific information......

30. Other amounts someone owes you

Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation, Social Security

benefits; unpaid loans you made to someone else

 No

 Yes. Give specific information..

Judgment awarded to The Todd Venture Group, Inc., Andrew

J. Todd and Janet L. Todd against Kurt G. Abrahamsen by

Chesterfield County Circuit Court on 6-18-2014 for the

amount of $ 6,277.00. The Debtors have been actively

pursuing collection of this judgment with no success, but

Debtors can no longer afford fees to continue pursuing

collection. Unknown

31. Interests in insurance policies

Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance

 No

 Yes. Name the insurance company of each policy and list its value.

Company name: Beneficiary: Surrender or refund

value:

Life Insurance through New York Life

Insurance Comapny (Whole Life Policy)

(Husband) Janet Todd $5,694.76

Life Insurance through Mass Mutual

Financial Group (Universal Life 2060

Policy) (Wife) Andrew J. Todd $772.47

Life Insurance through Northwestern

Mutual (Term Policy - Ending ***6754)

(Husband) Janet L. Todd $0.00

Life Insurance through Northwestern

Mutual (Whole Life Policy ending

***3744) (Husband) Janet L. Todd $1,235.71

Life Insurance through North Western

Mutual (Whole Life Policy Ending

***3246) (Husband) Janet L. Todd $1,101.39

Official Form 106A/B Schedule A/B: Property page 8

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Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 10 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Life Insurance through Northwestern

Mutual (Whole Life Policy Ending

***3432) (Husband) Janet L. Todd $196.21

Life Insurance through Northwestern

Mutual - Policy on the joint lives of

wife's parents (ending in 4366) - Wife is

one-third owner of policy with her

siblings. Total cash value is

appromately $55,000, of which has a

one-third interest (Wife)

Janet Todd and two

siblings $18,150.00

32. Any interest in property that is due you from someone who has died

If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive property because

someone has died.

 No

 Yes. Give specific information..

33. Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment

Examples: Accidents, employment disputes, insurance claims, or rights to sue

 No

 Yes. Describe each claim.........

34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights to set off claims

 No

 Yes. Describe each claim.........

35. Any financial assets you did not already list

 No

 Yes. Give specific information..

36. Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached

for Part 4. Write that number here..................................................................................................................... $237,669.40

Part 5: Describe Any Business-Related Property You Own or Have an Interest In. List any real estate in Part 1.

37. Do you own or have any legal or equitable interest in any business-related property?

 No. Go to Part 6.

 Yes. Go to line 38.

Part 6: Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In.

If you own or have an interest in farmland, list it in Part 1.

46. Do you own or have any legal or equitable interest in any farm- or commercial fishing-related property?

 No. Go to Part 7.

 Yes. Go to line 47.

Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above

53. Do you have other property of any kind you did not already list?

Examples: Season tickets, country club membership

 No

 Yes. Give specific information.........

54. Add the dollar value of all of your entries from Part 7. Write that number here .................................... $0.00

Official Form 106A/B Schedule A/B: Property page 9

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 11 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Part 8: List the Totals of Each Part of this Form

55. Part 1: Total real estate, line 2 ...................................................................................................................... $993,862.00

56. Part 2: Total vehicles, line 5 $27,483.00

57. Part 3: Total personal and household items, line 15 $22,450.00

58. Part 4: Total financial assets, line 36 $237,669.40

59. Part 5: Total business-related property, line 45 $0.00

60. Part 6: Total farm- and fishing-related property, line 52 $0.00

61. Part 7: Total other property not listed, line 54 + $0.00

62. Total personal property. Add lines 56 through 61... $287,602.40 Copy personal property total $287,602.40

63. Total of all property on Schedule A/B. Add line 55 + line 62 $1,281,464.40

Official Form 106A/B Schedule A/B: Property page 10

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Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 12 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106C

Schedule C: The Property You Claim as Exempt 12/15

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

the property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is

needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name

and case number (if known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a

specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of

any applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement

funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that limits the

exemption to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption would be limited

to the applicable statutory amount.

Part 1: Identify the Property You Claim as Exempt

1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you.

 You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)

 You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below.

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Debtor 1 Exemptions

12309 Country Creek Way Glen Allen,

VA 23059 Henrico County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000

Line from Schedule A/B: 1.1

$810,000.00  $1.00 11 USC 522(b)(3)(B); William

v Peyton 104 F.3d 688

 100% of fair market value, up to Husband

any applicable statutory limit

944 Ne-Ah-Ta-Wanta Traverse City,

MI 49686 Grand Traverse County

Mr. Todd holds a 1/3 interest in this

property

Michigan Tax Assessment: $531,400

Line from Schedule A/B: 1.2

$175,362.00  $1.00 Va. Code Ann. § 34-4

Husband

 100% of fair market value, up to

any applicable statutory limit

2008 Chevrolet Tahoe 151,000 miles

Fair condition - Needs repairs

Owner - Husband

Line from Schedule A/B: 3.1

$6,000.00  $5,000.00 Va. Code Ann. § 34-26(8)

Husband

 100% of fair market value, up to

any applicable statutory limit

2004 Dodge Sprinter 65,000 miles

Owner - Husband

Line from Schedule A/B: 3.4

$4,997.00  $4,997.00 Va. Code Ann. § 34-26(7)

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 4

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 Document Page 13 of 44
Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

2004 Dodge Sprinter 65,000 miles

Owner - Husband

Line from Schedule A/B: 3.4

$4,997.00  $1.00 Va. Code Ann. § 34-4

Husband

 100% of fair market value, up to

any applicable statutory limit

Household goods and furnishings

including antique clock

Line from Schedule A/B: 6.1

$5,000.00  $2,500.00 Va. Code Ann. § 34-26(4a)

Husband

 100% of fair market value, up to

any applicable statutory limit

Wearing Apparel

Line from Schedule A/B: 11.1

$750.00  $300.00 Va. Code Ann. § 34-26(4)

 100% of fair market value, up to

any applicable statutory limit

Wedding and Engagement Ring

Line from Schedule A/B: 12.1

$15,000.00  $2,000.00 Va. Code Ann. § 34-26(1a)

 100% of fair market value, up to

any applicable statutory limit

Checking Account: C & F Bank (Acct

ending 8884)

Line from Schedule A/B: 17.2

$904.28  $452.14 Va. Code Ann. § 34-4

Husband

 100% of fair market value, up to

any applicable statutory limit

Checking Account: C&F Bank (Acct

ending 6722)

Line from Schedule A/B: 17.3

$450.58  $450.58 Va. Code Ann. § 34-4

Husband

 100% of fair market value, up to

any applicable statutory limit

IRA: IRA Retirement through UBS

(Acct ending 0942) (Husband)

Line from Schedule A/B: 21.1

$179,787.00  $179,787.00 11 U.S.C. §522(n)

 100% of fair market value, up to

any applicable statutory limit

Life Insurance through Northwestern

Mutual (Whole Life Policy ending

***3744) (Husband)

Beneficiary: Janet L. Todd

Line from Schedule A/B: 31.4

$1,235.71  $1,235.71 Va. Code Ann. § 34-4

Husband

 100% of fair market value, up to

any applicable statutory limit

Life Insurance through North

Western Mutual (Whole Life Policy

Ending ***3246) (Husband)

Beneficiary: Janet L. Todd

Line from Schedule A/B: 31.5

$1,101.39  $1,101.39 Va. Code Ann. § 34-4

Husband

 100% of fair market value, up to

any applicable statutory limit

Life Insurance through Northwestern

Mutual (Whole Life Policy Ending

***3432) (Husband)

Beneficiary: Janet L. Todd

Line from Schedule A/B: 31.6

$196.21  $196.21 Va. Code Ann. § 34-4

Husband

 100% of fair market value, up to

any applicable statutory limit

3. Are you claiming a homestead exemption of more than $155,675?

(Subject to adjustment on 4/01/16 and every 3 years after that for cases filed on or after the date of adjustment.)

 No

 Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?

 No

 Yes

Official Form 106C Schedule C: The Property You Claim as Exempt page 2 of 4

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 Document Page 14 of 44
Fill in this information to identify your case:

Debtor 1

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106C

Schedule C: The Property You Claim as Exempt 12/15

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

the property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is

needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name

and case number (if known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a

specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of

any applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement

funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that limits the

exemption to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption would be limited

to the applicable statutory amount.

Part 1: Identify the Property You Claim as Exempt

1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you.

 You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)

 You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below.

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Debtor 2 Exemptions

12309 Country Creek Way Glen Allen,

VA 23059 Henrico County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000

Line from Schedule A/B: 1.1

$810,000.00  $1.00 11 USC 522(b)(3)(B); William

v Peyton 104 F.3d 688 Wife

 100% of fair market value, up to

any applicable statutory limit

2003 BMW 530I Series 157,000 miles

Fair condition

Owner - Husband

Line from Schedule A/B: 3.3

$1,500.00  $500.00 Va. Code Ann. § 34-26(8)

Husband

 100% of fair market value, up to

any applicable statutory limit

Household goods and furnishings

including antique clock

Line from Schedule A/B: 6.1

$5,000.00  $2,500.00 Va. Code Ann. § 34-26(4a)

Wife

 100% of fair market value, up to

any applicable statutory limit

Family Heirlooms: Oriental Carpet

$500; Dining room furniture $500 and

Furniture/items made by Mrs. Todd's

father $200

Line from Schedule A/B: 8.1

$1,200.00  $1,200.00 Va. Code Ann. § 34-26(2) Wife

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 3 of 4

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Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Wearing Apparel

Line from Schedule A/B: 11.1

$750.00  $450.00 Va. Code Ann. § 34-26(4)

 100% of fair market value, up to

any applicable statutory limit

Wedding and Engagement Ring

Line from Schedule A/B: 12.1

$15,000.00  $13,000.00 Va. Code Ann. § 34-26(1a)

 100% of fair market value, up to

any applicable statutory limit

Family Heirlooms - Antique Pearl

Necklace

Line from Schedule A/B: 12.2

$500.00  $500.00 Va. Code Ann. § 34-26(2)

 100% of fair market value, up to

any applicable statutory limit

Checking Account: C & F Bank (Acct

ending 8884)

Line from Schedule A/B: 17.2

$904.28  $452.14 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

IRA: Roth IRA Retirement through

UBS (Acct ending 8937)(Wife)

Line from Schedule A/B: 21.2

$29,376.00  $29,376.00 11 U.S.C. §522(n)

 100% of fair market value, up to

any applicable statutory limit

Life Insurance through New York Life

Insurance Comapny (Whole Life

Policy) (Husband)

Beneficiary: Janet Todd

Line from Schedule A/B: 31.1

$5,694.76  $4,275.39 Va. Code Ann. § 34-4 Wife

 100% of fair market value, up to

any applicable statutory limit

Life Insurance through Mass Mutual

Financial Group (Universal Life 2060

Policy) (Wife)

Beneficiary: Andrew J. Todd

Line from Schedule A/B: 31.2

$772.47  $772.47 Va. Code Ann. § 34-4 Wife

 100% of fair market value, up to

any applicable statutory limit

3. Are you claiming a homestead exemption of more than $155,675?

(Subject to adjustment on 4/01/16 and every 3 years after that for cases filed on or after the date of adjustment.)

 No

 Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?

 No

 Yes

Official Form 106C Schedule C: The Property You Claim as Exempt page 4 of 4

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Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 16 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106D

Schedule D: Creditors Who Have Claims Secured by Property 12/15

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, copy the Additional Page, fill it out, number the entries, and attach it to this form. On the top of any additional pages, write your name and case number (if

known).

1. Do any creditors have claims secured by your property?

 No. Check this box and submit this form to the court with your other schedules. You have nothing else to report on this form.

 Yes. Fill in all of the information below.

Part 1: List All Secured Claims

2. List all secured claims. If a creditor has more than one secured claim, list the creditor separately for

each claim. If more than one creditor has a particular claim, list the other creditors in Part 2. As much

as possible, list the claims in alphabetical order according to the creditor’s name.

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports this

claim

Column C

Unsecured

portion

If any

2.1 Bank Of America Describe the property that secures the claim: $282,479.09 $810,000.00 $0.00

Creditor's Name 12309 Country Creek Way Glen

Allen, VA 23059 Henrico County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000 P.O. Box 21848

Greensboro, NC

27420-1818

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Second Mortgage

Date debt was incurred 04/16/2008 Last 4 digits of account number 8399

2.2 Citimortgage Describe the property that secures the claim: $230,000.00 $810,000.00 $0.00

Creditor's Name 12309 Country Creek Way Glen

Allen, VA 23059 Henrico County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000 P.O. Box 6243

Sioux Falls, ND

57117-6243

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Official Form 106D Schedule D: Creditors Who Have Claims Secured by Property page 1 of 2

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 Document Page 17 of 44
Debtor 1 Andrew Drohan Todd Case number (if know) 16-30015

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

First Name Middle Name Last Name

 Check if this claim relates to a

community debt

 Other (including a right to offset) First Mortgage

Date debt was incurred 10/10/2003 Last 4 digits of account number 4374

2.3 SunTrust Bank Describe the property that secures the claim: $873,037.60 $810,000.00 $575,516.69

Creditor's Name 12309 Country Creek Way Glen

Allen, VA 23059 Henrico County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000

P.O. Box 305183

Nashville, TN 37230

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Third Mortgage

Date debt was incurred 12-6-2010 Last 4 digits of account number 1104

2.4 US Bankcorp Describe the property that secures the claim: $18,413.85 $12,286.00 $6,127.85

Creditor's Name 2012 Volvo XC60 82,000 miles

Average Condition

Owners - Husband and Wife

800 Nicollet Mall

Minneapolis, MN 55402

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Car Loan

Date debt was incurred 03/26/2012 Last 4 digits of account number 0973

Add the dollar value of your entries in Column A on this page. Write that number here: $1,403,930.54

If this is the last page of your form, add the dollar value totals from all pages.

Write that number here: $1,403,930.54

Part 2: List Others to Be Notified for a Debt That You Already Listed

Use this page only if you have others to be notified about your bankruptcy for a debt that you already listed in Part 1. For example, if a collection agency is trying

to collect from you for a debt you owe to someone else, list the creditor in Part 1, and then list the collection agency here. Similarly, if you have more than one

creditor for any of the debts that you listed in Part 1, list the additional creditors here. If you do not have additional persons to be notified for any debts in Part 1,

do not fill out or submit this page.

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 2 of 2

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 Document Page 18 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106E/F

Schedule E/F: Creditors Who Have Unsecured Claims 12/15

Be as complete and accurate as possible. Use Part 1 for creditors with PRIORITY claims and Part 2 for creditors with NONPRIORITY claims. List the other party to

any executory contracts or unexpired leases that could result in a claim. Also list executory contracts on Schedule A/B: Property (Official Form 106A/B) and on

Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G). Do not include any creditors with partially secured claims that are listed in Schedule

D: Creditors Who Have Claims Secured by Property. If more space is needed, copy the Part you need, fill it out, number the entries in the boxes on the left. Attach

the Continuation Page to this page. If you have no information to report in a Part, do not file that Part. On the top of any additional pages, write your name and case

number (if known).

Part 1: List All of Your PRIORITY Unsecured Claims

1. Do any creditors have priority unsecured claims against you?

 No. Go to Part 2.

 Yes.

Part 2: List All of Your NONPRIORITY Unsecured Claims

3. Do any creditors have nonpriority unsecured claims against you?

 No. You have nothing to report in this part. Submit this form to the court with your other schedules.

 Yes.

4. List all of your nonpriority unsecured claims in the alphabetical order of the creditor who holds each claim. If a creditor has more than one nonpriority unsecured

claim, list the creditor separately for each claim. For each claim listed, identify what type of claim it is. Do not list claims already included in Part 1. If more than one

creditor holds a particular claim, list the other creditors in Part 3.If you have more than three nonpriority unsecured claims fill out the Continuation Page of Part 2.

Total claim

4.1 American Express-Costco Last 4 digits of account number 1013 $3,906.33

Nonpriority Creditor's Name

P.O. Box 650448

Dallas, TX 75265

When was the debt incurred? Date Opened: 01/1/2011

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit Card

Last Used: 01/1/2015

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 1 of 6

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Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 19 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if know) 16-30015

4.2 Bank Of America Last 4 digits of account number 4481 $14,391.68

Nonpriority Creditor's Name

P.O. Box 150189

Wilmington, DE 19886

When was the debt incurred? Date Opened: 11/1/2013

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit card used for business expenses of

The Todd Venture Group

Last Used: 02/8/2014

4.3 Bank Of America Last 4 digits of account number 9448 $8,675.09

Nonpriority Creditor's Name

P.O. Box 15019

Wilmington, DE 19886

When was the debt incurred?

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit card used for business expenses of

The Todd Venture Group

4.4 Cantey Hanger Last 4 digits of account number 6bwa,8171 $46,001.52

Nonpriority Creditor's Name

600 W 6th Street, Suite 300

Fort Worth, TX 76102

When was the debt incurred? 01/1/2015

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Legal expenses related to collection of

judgment against Abrahamsen

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 2 of 6

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 Document Page 20 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if know) 16-30015

4.5 Chase Bank-Marriott Awards Last 4 digits of account number 1252 $11,050.01

Nonpriority Creditor's Name

P.O. Box 15123

Wilmington, DE 19850

When was the debt incurred? Date Opened: 01/1/2000

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit card used for business expenses of

The Todd Venture Group

Last Used: 09/8/2015

4.6 CitiBank Last 4 digits of account number 5988 $9,029.14

Nonpriority Creditor's Name

P.O. Box 6062

Sioux Falls, SD 57117

When was the debt incurred?

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit card used for business expenses of

The Todd Venture Group

4.7 Diane Todd Last 4 digits of account number $60,000.00

Nonpriority Creditor's Name

155 Magnolia Avenue

Glendale, OH 45246

When was the debt incurred? 01/1/2010

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Personal loans from mother of Mr. Todd to

purchase business and for business

expenses of The Todd Venture Group

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 3 of 6

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Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if know) 16-30015

4.8 Discover Last 4 digits of account number 2459 $15,006.18

Nonpriority Creditor's Name

P.O. Box 71084

Charlotte, NC 28272

When was the debt incurred? Date Opened: 01/1/2003

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit card used for business expenses of

The Todd Venture Group

Last Used: 01/1/2015

4.9 Discover Last 4 digits of account number 4954 $13,549.55

Nonpriority Creditor's Name

P.O. Box 71084

Charlotte, NC 28272

When was the debt incurred? Date Opened: 01/1/2003

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit card used for business expenses of

The Todd Venture Group

Last Used: 01/1/2015

4.10 Faegre Baker Daniels Last 4 digits of account number $1,325.80

Nonpriority Creditor's Name

2200 Wells Fargo Center

90 South Seventh Street

Minneapolis, MN 55402

When was the debt incurred?

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Legal expenses to pursue collection of

Abrahamsen judgment

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 4 of 6

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 Document Page 22 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if know) 16-30015

4.11 John Icke Last 4 digits of account number $100,000.00

Nonpriority Creditor's Name

3214 Lake Mendota Drive

Madison, WI 53705

When was the debt incurred?

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Personal loans from father of Mrs. Todd

used to purchase business and for

business expenses of The Todd Venture

Group

4.12 McCandlish Holton Last 4 digits of account number 0001 $247,805.66

Nonpriority Creditor's Name

1111 East Main Street, #2100

Richmond, VA 23218

When was the debt incurred? 01/1/2014

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Business legal expenses related to the

arbitration against Abrahamsen 2012-2014

4.13 US Bank Last 4 digits of account number 5203 $7,737.87

Nonpriority Creditor's Name

P.O. Box 790408

St Louis, MO 63179

When was the debt incurred?

Number Street City State ZIp Code As of the date you file, the claim is: Check all that apply

Who incurred the debt? Check one.

 Debtor 1 only

 Debtor 2 only

 Debtor 1 and Debtor 2 only

 At least one of the debtors and another

 Check if this claim is for a community debt

Is the claim subject to offset?

 No

 Contingent

 Unliquidated

 Disputed

Type of NONPRIORITY unsecured claim:

 Student loans

 Obligations arising out of a separation agreement or divorce that you did not

report as priority claims

 Debts to pension or profit-sharing plans, and other similar debts

 Yes  Other. Specify

Credit card used for business expenses of

The Todd Venture Group

Part 3: List Others to Be Notified About a Debt That You Already Listed

5. Use this page only if you have others to be notified about your bankruptcy, for a debt that you already listed in Parts 1 or 2. For example, if a collection agency is

trying to collect from you for a debt you owe to someone else, list the original creditor in Parts 1 or 2, then list the collection agency here. Similarly, if you have

more than one creditor for any of the debts that you listed in Parts 1 or 2, list the additional creditors here. If you do not have additional persons to be notified for

any debts in Parts 1 or 2, do not fill out or submit this page.

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 5 of 6

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 Document Page 23 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if know) 16-30015

Part 4: Add the Amounts for Each Type of Unsecured Claim

6. Total the amounts of certain types of unsecured claims. This information is for statistical reporting purposes only. 28 U.S.C. §159. Add the amounts for each type

of unsecured claim.

Total Claim

6a. Domestic support obligations 6a. $ 0.00

Total claims

from Part 1 6b. Taxes and certain other debts you owe the government 6b. $ 0.00

6c. Claims for death or personal injury while you were intoxicated 6c. $ 0.00

6d. Other. Add all other priority unsecured claims. Write that amount here. 6d. $ 0.00

6e. Total Priority. Add lines 6a through 6d. 6e. $ 0.00

Total Claim

6f. Student loans 6f. $ 0.00

Total claims

from Part 2 6g. Obligations arising out of a separation agreement or divorce that you

did not report as priority claims 6g. $ 0.00

6h. Debts to pension or profit-sharing plans, and other similar debts 6h. $ 0.00

6i. Other. Add all other nonpriority unsecured claims. Write that amount here. 6i. $ 538,478.83

6j. Total Nonpriority. Add lines 6f through 6i. 6j. $ 538,478.83

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 6 of 6

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 24 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106G

Schedule G: Executory Contracts and Unexpired Leases 12/15

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, copy the additional page, fill it out, number the entries, and attach it to this page. On the top of any

additional pages, write your name and case number (if known).

1. Do you have any executory contracts or unexpired leases?

 No. Check this box and file this form with the court with your other schedules. You have nothing else to report on this form.

 Yes. Fill in all of the information below even if the contacts of leases are listed on Schedule A/B:Property (Official Form 106 A/B).

2. List separately each person or company with whom you have the contract or lease. Then state what each contract or lease is for (for

example, rent, vehicle lease, cell phone). See the instructions for this form in the instruction booklet for more examples of executory contracts

and unexpired leases.

Person or company with whom you have the contract or lease

Name, Number, Street, City, State and ZIP Code

State what the contract or lease is for

2.1 The Icke Revocable Trust One year lease for residential property beginning

November 15, 2015 and expires on November 15, 2016.

The monthly lease payment is $2,500.

Official Form 106G Schedule G: Executory Contracts and Unexpired Leases Page 1 of 1

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 25 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106H

Schedule H: Your Codebtors 12/15

Codebtors are people or entities who are also liable for any debts you may have. 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, copy the Additional Page,

fill it out, and number the entries in the boxes on the left. Attach the Additional Page to this page. On the top of any Additional Pages, write

your name and case number (if known). Answer every question.

1. Do you have any codebtors? (If you are filing a joint case, do not list either spouse as a codebtor.

 No

 Yes

2. Within the last 8 years, have you lived in a community property state or territory? (Community property states and territories include

Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin.)

 No. Go to line 3.

 Yes. Did your spouse, former spouse, or legal equivalent live with you at the time?

3. In Column 1, list all of your codebtors. Do not include your spouse as a codebtor if your spouse is filing with you. List the person shown

in line 2 again as a codebtor only if that person is a guarantor or cosigner. Make sure you have listed the creditor on Schedule D (Official

Form 106D), Schedule E/F (Official Form 106E/F), or Schedule G (Official Form 106G). Use Schedule D, Schedule E/F, or Schedule G to

fill out Column 2.

Column 1: Your codebtor

Name, Number, Street, City, State and ZIP Code

Column 2: The creditor to whom you owe the debt

Check all schedules that apply:

3.1 The Todd Venture Group  Schedule D, line 

 Schedule E/F, line 4.12 

 Schedule G 

McCandlish Holton

3.2 The Todd Venture Group  Schedule D, line 

 Schedule E/F, line 4.1 

 Schedule G 

American Express-Costco

Official Form 106H Schedule H: Your Codebtors Page 1 of 1

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 26 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

Debtor 2 Janet Lea Todd

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015 Check if this is:

(If known)  An amended filing

 A supplement showing postpetition chapter

13 income as of the following date:

Official Form 106I MM / DD/ YYYY

Schedule I: Your Income 12/15

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 Vice President President

Employer's name Snap Office Supplies, LLC Snap Office Supplies, LLC

Employer's address 9710 Farrar Court, Suite M

Richmond, Va 23236

9710 Farrar Court, Suite M

Richmond, Va 23236

How long employed there? 3 weeks 3 weeks

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. $ 0.00 $ 3,800.00

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

4. Calculate gross Income. Add line 2 + line 3. 4. $ 0.00 $ 3,800.00

Official Form 106I Schedule I: Your Income page 1

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 Document Page 27 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 0.00 $ 3,800.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 0.00 $ 568.76

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ 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. $ 0.00 $ 431.38

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

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

5h. Other deductions. Specify: HSA Contribution 5h.+ $ 0.00 + $ 200.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 0.00 $ 1,200.14

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 0.00 $ 2,599.86

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. $ 5,000.00 $ 0.00

8b. Interest and dividends 8b. $ 0.00 $ 332.89

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: 8h.+ $ 0.00 + $ 0.00

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 5,000.00 $ 332.89

10. Calculate monthly income. Add line 7 + line 9. 10. $ 5,000.00 + $ 2,932.75 = $ 7,932.75

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. $ 7,932.75 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: Snap is a new business venture which began operation on 1-4-2016. It is not yet confirmed that the

draw indicated for Mr. Todd will be feasible.

Official Form 106I Schedule I: Your Income page 2

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 28 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd Check if this is:

 An amended filing

Debtor 2 Janet Lea Todd  A supplement showing postpetition 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 16-30015

(If known)

Official Form 106J

Schedule J: Your Expenses 12/15

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 Official Form 106J-2, Expenses for Separate Household of Debtor 2.

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 15

 No

 Yes

Daughter 23

 No

 Yes

 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 106I.) 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. $ 2,500.00

If not included in line 4:

4a. Real estate taxes 4a. $ 300.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 100.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 300.00

4d. Homeowner’s association or condominium dues 4d. $ 20.00

5. Additional mortgage payments for your residence, such as home equity loans 5. $ 0.00

Official Form 106J Schedule J: Your Expenses page 1

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 Document Page 29 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 500.00

6b. Water, sewer, garbage collection 6b. $ 50.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 300.00

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

7. Food and housekeeping supplies 7. $ 1,000.00

8. Childcare and children’s education costs 8. $ 1,500.00

9. Clothing, laundry, and dry cleaning 9. $ 200.00

10. Personal care products and services 10. $ 150.00

11. Medical and dental expenses 11. $ 300.00

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

Do not include car payments. 12. $ 300.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 500.00

14. Charitable contributions and religious donations 14. $ 200.00

15. Insurance.

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

15a. Life insurance 15a. $ 248.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 160.00

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: 16. $ 0.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $ 616.00

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

17c. Other. Specify: 17c. $ 0.00

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 106I). 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. $ 208.00

21. Other: Specify: Dominion Club 21. +$ 550.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 10,002.00

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. $ 10,002.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 7,932.75

23b. Copy your monthly expenses from line 22c above. 23b. -$ 10,002.00

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

The result is your monthly net income.

23c. $ -2,069.25

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 here:

Official Form 106J Schedule J: Your Expenses page 2

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 30 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 106Dec

Declaration About an Individual Debtor's Schedules 12/15

If two married people are filing together, both are equally responsible for supplying correct information.

You must file this form whenever you file bankruptcy schedules or amended schedules. Making a false statement, concealing property, or

obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20

years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Sign Below

Did you pay or agree to pay someone who is NOT an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of person Attach Bankruptcy Petition Preparer’s Notice,

Declaration, and Signature (Official Form 119)

Under penalty of perjury, I declare that I have read the summary and schedules filed with this declaration and

that they are true and correct.

X /s/ Andrew Drohan Todd X /s/ Janet Lea Todd

Andrew Drohan Todd Janet Lea Todd

Signature of Debtor 1 Signature of Debtor 2

Date January 29, 2016 Date January 29, 2016

Official Form 106Dec Declaration About an Individual Debtor's Schedules

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

 Document Page 31 of 44
Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 107

Statement of Financial Affairs for Individuals Filing for Bankruptcy 12/15

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 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: Give Details About Your Marital Status and Where You Lived Before

1. What is your current marital status?

 Married

 Not married

2. During the last 3 years, have you lived anywhere other than where you live now?

 No

 Yes. List all of the places you lived in the last 3 years. Do not include where you live now.

Debtor 1 Prior Address: Dates Debtor 1

lived there

Debtor 2 Prior Address: Dates Debtor 2

lived there

3. Within the last 8 years, did you ever live with a spouse or legal equivalent in a community property state or territory? (Community property

states and territories include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington and Wisconsin.)

 No

 Yes. Make sure you fill out Schedule H: Your Codebtors (Official Form 106H).

Part 2 Explain the Sources of Your Income

4. Did you have any income from employment or from operating a business during this year or the two previous calendar years?

Fill in the total amount of income you received from all jobs and all businesses, including part-time activities.

If you are filing a joint case and you have income that you receive together, list it only once under Debtor 1.

 No

 Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income

Check all that apply.

Gross income

(before deductions and

exclusions)

Sources of income

Check all that apply.

Gross income

(before deductions

and exclusions)

2015 Year to date Gross Income

(Joint)

 Wages, commissions,

bonuses, tips

 Operating a business

$0.00  Wages, commissions,

bonuses, tips

 Operating a business

$45,600.00

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 1

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

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 Document Page 32 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Debtor 1 Debtor 2

Sources of income

Check all that apply.

Gross income

(before deductions and

exclusions)

Sources of income

Check all that apply.

Gross income

(before deductions

and exclusions)

2014 Gross Income (Wife)  Wages, commissions,

bonuses, tips

 Operating a business

$0.00  Wages, commissions,

bonuses, tips

 Operating a business

$46,700.00

2013 Gross Income (Wife)  Wages, commissions,

bonuses, tips

 Operating a business

$0.00  Wages, commissions,

bonuses, tips

 Operating a business

$47,500.00

5. Did you receive any other income during this year or the two previous calendar years?

Include income regardless of whether that income is taxable. Examples of other income are alimony; child support; Social Security,

unemployment, and other public benefit payments; pensions; rental income; interest; dividends; money collected from lawsuits; royalties; and

gambling and lottery winnings. If you are filing a joint case and you have income that you received together, list it only once under Debtor 1.

List each source and the gross income from each source separately. Do not include income that you listed in line 4.

 No

 Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income

Describe below..

Gross income

(before deductions and

exclusions)

Sources of income

Describe below.

Gross income

(before deductions

and exclusions)

From January 1 of current year until

the date you filed for bankruptcy:

Owners Distributions

(Husband)

$0.00

$0.00 Distributions from

Icke Liquidating

(Wife)

$0.00

For last calendar year:

(January 1 to December 31, 2015 )

Owners Distributions

(Husband)

$48,930.00

Brokerage Account

(Husband)

$40,913.63

$0.00 Year to Date

Distributions from

Icke Liquidating

(Wife)

$3,994.68

For the calendar year before that:

(January 1 to December 31, 2014 )

Owners Distributions

(Husband)

$76,053.00

Brokerage Account

(Husband)

$4,884.00

$0.00 Distributions from

Icke Liquidating

(Wife)

$3,800.00

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 2

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 Document Page 33 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Part 3: List Certain Payments You Made Before You Filed for Bankruptcy

6. Are either Debtor 1’s or Debtor 2’s debts primarily consumer debts?

 No. Neither Debtor 1 nor Debtor 2 has primarily consumer debts. Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an

individual primarily for a personal, family, or household purpose.”

During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $6,225* or more?

 No. Go to line 7.

 Yes List below each creditor to whom you paid a total of $6,225* or more in one or more payments and the total amount you

paid that creditor. Do not include payments for domestic support obligations, such as child support and alimony. Also, do

not include payments to an attorney for this bankruptcy case.

* Subject to adjustment on 4/01/16 and every 3 years after that for cases filed on or after the date of adjustment.

 Yes. Debtor 1 or Debtor 2 or both have primarily consumer debts.

During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $600 or more?

 No. Go to line 7.

 Yes List below each creditor to whom you paid a total of $600 or more and the total amount you paid that creditor. Do not

include payments for domestic support obligations, such as child support and alimony. Also, do not include payments to

an attorney for this bankruptcy case.

Creditor's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Was this payment for ...

American Express-Costco

P.O. Box 650448

Dallas, TX 75265

10/13/2015 and

12/11/2015

$8,848.17 $3,906.33  Mortgage

 Car

 Credit Card

 Loan Repayment

 Suppliers or vendors

 Other

Bendictine College Preparatory

12829 River Road

Henrico, VA 23238

10/5/2015 and

12/10/2015

$6,465.48 $3,232.74  Mortgage

 Car

 Credit Card

 Loan Repayment

 Suppliers or vendors

 Other School Tuition 

7. Within 1 year before you filed for bankruptcy, did you make a payment on a debt you owed anyone who was an insider?

Insiders include your relatives; any general partners; relatives of any general partners; partnerships of which you are a general partner;

corporations of which you are an officer, director, person in control, or owner of 20% or more of their voting securities; and any managing agent,

including one for a business you operate as a sole proprietor. 11 U.S.C. § 101. Include payments for domestic support obligations, such as child

support and alimony.

 No

 Yes. List all payments to an insider

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Reason for this payment

8. Within 1 year before you filed for bankruptcy, did you make any payments or transfer any property on account of a debt that benefited an

insider?

Include payments on debts guaranteed or cosigned by an insider.

 No

 Yes. List all payments to an insider

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Reason for this payment

Include creditor's name

Part 4: Identify Legal Actions, Repossessions, and Foreclosures

9. Within 1 year before you filed for bankruptcy, were you a party in any lawsuit, court action, or administrative proceeding?

List all such matters, including personal injury cases, small claims actions, divorces, collection suits, paternity actions, support or custody

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 3

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Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

modifications, and contract disputes.

 No

 Yes. Fill in the details.

Case title

Case number

Nature of the case Court or agency Status of the case

SunTrust Bank

v.

The Todd Venture Group, Inc.,

Janet L. Todd and Andrew D. Todd

CL15-2447-00

Motion for Default

Judgment

Hearing 12-11-15

at 9:30 am

Henrico County Circuit

Court

4301 East Parham Road

Henrico, VA 23273-0775

 Pending

 On appeal

 Concluded

The Todd Venture Group, Inc.,

Andrew J. Todd and Janet L. Todd

v.

Kurt G. Abrahamsen, Linda L.

Abrahamsen, et al.

CL14-937

Civil Judgment Chesterfield County Circuit

Court

 Pending

 On appeal

 Concluded

Final Judgment Order

entered June 18, 2014

10. Within 1 year before you filed for bankruptcy, was any of your property repossessed, foreclosed, garnished, attached, seized, or levied?

Check all that apply and fill in the details below.

 No

 Yes. Fill in the information below.

Creditor Name and Address Describe the Property

Explain what happened

Date Value of the

property

11. Within 90 days before you filed for bankruptcy, did any creditor, including a bank or financial institution, set off any amounts from your

accounts or refuse to make a payment because you owed a debt?

 No

 Yes. Fill in the details.

Creditor Name and Address Describe the action the creditor took Date action was

taken

Amount

12. Within 1 year before you filed for bankruptcy, was any of your property in the possession of an assignee for the benefit of creditors, a

court-appointed receiver, a custodian, or another official?

 No

 Yes

Part 5: List Certain Gifts and Contributions

13. Within 2 years before you filed for bankruptcy, did you give any gifts with a total value of more than $600 per person?

 No

 Yes. Fill in the details for each gift.

Gifts with a total value of more than $600

per person

Person to Whom You Gave the Gift and

Address:

Describe the gifts Dates you gave

the gifts

Value

14. Within 2 years before you filed for bankruptcy, did you give any gifts or contributions with a total value of more than $600 to any charity

 No

 Yes. Fill in the details for each gift or contribution.

Gifts or contributions to charities that total

more than $600

Charity's Name

Address (Number, Street, City, State and ZIP Code)

Describe what you contributed Dates you

contributed

Value

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 4

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

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 Document Page 35 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Gifts or contributions to charities that total

more than $600

Charity's Name

Address (Number, Street, City, State and ZIP Code)

Describe what you contributed Dates you

contributed

Value

Hope Church

12445 Patterson Avenue

Richmond, VA 23238

Donations to the church during the last

year of approximately $1,000

During the

last year

$1,000.00

Part 6: List Certain Losses

15. Within 1 year before you filed for bankruptcy or since you filed for bankruptcy, did you lose anything because of theft, fire, other

disaster, or gambling?

 No

 Yes. Fill in the details.

Describe the property you lost and

how the loss occurred

Describe any insurance coverage for the loss

Include the amount that insurance has paid. List

pending insurance claims on line 33 of Schedule A/B:

Property.

Date of your

loss

Value of property

lost

Part 7: List Certain Payments or Transfers

16. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone you

consulted about seeking bankruptcy or preparing a bankruptcy petition?

Include any attorneys, bankruptcy petition preparers, or credit counseling agencies for services required in your bankruptcy.

 No

 Yes. Fill in the details.

Person Who Was Paid

Address

Email or website address

Person Who Made the Payment, if Not You

Description and value of any property

transferred

Date payment

or transfer was

made

Amount of

payment

Sands Anderson PC

1111 East Main Street, Suite 2400

P.O. Box 1998

Richmond, VA 23218-1998

Richmond, VA 23218-1998

Legal Fees and Costs related to

workout and Chapter 7 Representation

October 2015 $28,206.00

The Mesquite Group, Inc.

P.O. Box 54006

Hurst, TX 76054-4006

www.themesquitegroup.org

Credit Counseling Course 10-5-2015 $24.00

17. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone who

promised to help you deal with your creditors or to make payments to your creditors?

Do not include any payment or transfer that you listed on line 16.

 No

 Yes. Fill in the details.

Person Who Was Paid

Address

Description and value of any property

transferred

Date payment

or transfer was

made

Amount of

payment

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 5

Software Copyright (c) 1996-2016 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

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Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

18. Within 2 years before you filed for bankruptcy, did you sell, trade, or otherwise transfer any property to anyone, other than property

transferred in the ordinary course of your business or financial affairs?

Include both outright transfers and transfers made as security (such as the granting of a security interest or mortgage on your property). Do not

include gifts and transfers that you have already listed on this statement.

 No

 Yes. Fill in the details.

Person Who Received Transfer

Address

Person's relationship to you

Description and value of

property transferred

Describe any property or

payments received or debts

paid in exchange

Date transfer was

made

Abigail Todd

1480 Harvard Street, #2

Washington, DC 20009

Daughter

Transferred 2006 Honda

Element to daughter.

June 2015

19. Within 10 years before you filed for bankruptcy, did you transfer any property to a self-settled trust or similar device of which you are a

beneficiary? (These are often called asset-protection devices.)

 No

 Yes. Fill in the details.

Name of trust Description and value of the property transferred Date Transfer was

made

Part 8: List of Certain Financial Accounts, Instruments, Safe Deposit Boxes, and Storage Units

20. Within 1 year before you filed for bankruptcy, were any financial accounts or instruments held in your name, or for your benefit, closed,

sold, moved, or transferred?

Include checking, savings, money market, or other financial accounts; certificates of deposit; shares in banks, credit unions, brokerage

houses, pension funds, cooperatives, associations, and other financial institutions.

 No

 Yes. Fill in the details.

Name of Financial Institution and

Address (Number, Street, City, State and ZIP

Code)

Last 4 digits of

account number

Type of account or

instrument

Date account was

closed, sold,

moved, or

transferred

Last balance

before closing or

transfer

UBS

951 East Byrd Street Suite 520

Richmond, VA 23219

XXXX-7976  Checking

 Savings

 Money Market

 Brokerage

 Other

Account closed

September 2015

Final Balance $0

- Brokrage

account was

collateral for

equity line used

for business

related

expenses. UBS

liquidated the

stocks in the

account to

satisfy loan

balance. Surplus

used by Debtors

for living

expenses.

$0.00

SunTrust Bank

Richmond, VA

XXXX-9502  Checking

 Savings

 Money Market

 Brokerage

 Other

Account closed

in December

2015

$73.00

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 6

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Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

21. Do you now have, or did you have within 1 year before you filed for bankruptcy, any safe deposit box or other depository for securities,

cash, or other valuables?

 No

 Yes. Fill in the details.

Name of Financial Institution

Address (Number, Street, City, State and ZIP Code)

Who else had access to it?

Address (Number, Street, City,

State and ZIP Code)

Describe the contents Do you still

have it?

22. Have you stored property in a storage unit or place other than your home within 1 year before you filed for bankruptcy

 No

 Yes. Fill in the details.

Name of Storage Facility

Address (Number, Street, City, State and ZIP Code)

Who else has or had access

to it?

Address (Number, Street, City,

State and ZIP Code)

Describe the contents Do you still

have it?

Part 9: Identify Property You Hold or Control for Someone Else

23. Do you hold or control any property that someone else owns? Include any property you borrowed from, are storing for, or hold in trust

for someone.

 No

 Yes. Fill in the details.

Owner's Name

Address (Number, Street, City, State and ZIP Code)

Where is the property?

(Number, Street, City, State and ZIP

Code)

Describe the property Value

Part 10: Give Details About Environmental Information

For the purpose of Part 10, the following definitions apply:

 Environmental law means any federal, state, or local statute or regulation concerning pollution, contamination, releases of hazardous or

toxic substances, wastes, or material into the air, land, soil, surface water, groundwater, or other medium, including statutes or

regulations controlling the cleanup of these substances, wastes, or material.

 Site means any location, facility, or property as defined under any environmental law, whether you now own, operate, or utilize it or used

to own, operate, or utilize it, including disposal sites.

 Hazardous material means anything an environmental law defines as a hazardous waste, hazardous substance, toxic substance,

hazardous material, pollutant, contaminant, or similar term.

Report all notices, releases, and proceedings that you know about, regardless of when they occurred.

24. Has any governmental unit notified you that you may be liable or potentially liable under or in violation of an environmental law?

 No

 Yes. Fill in the details.

Name of site

Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

25. Have you notified any governmental unit of any release of hazardous material?

 No

 Yes. Fill in the details.

Name of site

Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 7

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 Document Page 38 of 44
Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

26. Have you been a party in any judicial or administrative proceeding under any environmental law? Include settlements and orders.

 No

 Yes. Fill in the details.

Case Title

Case Number

Court or agency

Name

Address (Number, Street, City,

State and ZIP Code)

Nature of the case Status of the

case

Part 11: Give Details About Your Business or Connections to Any Business

27. Within 4 years before you filed for bankruptcy, did you own a business or have any of the following connections to any business?

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

 A member of a limited liability company (LLC) or limited liability partnership (LLP)

 A partner in a partnership

 An officer, director, or managing executive of a corporation

 An owner of at least 5% of the voting or equity securities of a corporation

 No. None of the above applies. Go to Part 12.

 Yes. Check all that apply above and fill in the details below for each business.

Business Name

Address

(Number, Street, City, State and ZIP Code)

Describe the nature of the business

Name of accountant or bookkeeper

Employer Identification number

Do not include Social Security number or ITIN.

Dates business existed

The Todd Venture Group, Inc.

11625 Busy Street

Richmond, VA 23236

Distributor of point-of-sale

business products

EIN:

From-To

27-3664786

12-10-2010 to 12-31-2015

Snap Office Supplies, LLC Distributor of office supplies EIN:

From-To

47-5001573

1-4-2016 to Present

28. Within 2 years before you filed for bankruptcy, did you give a financial statement to anyone about your business? Include all financial

institutions, creditors, or other parties.

 No

 Yes. Fill in the details below.

Name

Address

(Number, Street, City, State and ZIP Code)

Date Issued

SunTrust Special Assets

245 Town Park Drive

Kennesaw, GA 30144

Debtors provided quarterly

financial statements

Part 12: Sign Below

I have read the answers on this Statement of Financial Affairs and any attachments, and I declare under penalty of perjury that the answers

are true and correct. I understand that making a false statement, concealing property, or obtaining money or property by fraud in connection

with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both.

18 U.S.C. §§ 152, 1341, 1519, and 3571.

/s/ Andrew Drohan Todd /s/ Janet Lea Todd

Andrew Drohan Todd Janet Lea Todd

Signature of Debtor 1 Signature of Debtor 2

Date January 29, 2016 Date January 29, 2016

Did you attach additional pages to Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (Official Form 107)?

 No

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 8

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Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

 Yes

Did you pay or agree to pay someone who is not an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of Person . Attach the Bankruptcy Petition Preparer's Notice, Declaration, and Signature (Official Form 119).

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 9

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Fill in this information to identify your case:

Debtor 1 Andrew Drohan Todd

First Name Middle Name Last Name

Debtor 2 Janet Lea Todd

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30015

(if known)  Check if this is an

amended filing

Official Form 108

Statement of Intention for Individuals Filing Under Chapter 7 12/15

If you are an individual filing under chapter 7, you must fill out this form if:

 creditors have claims secured by your property, or

 you have leased personal property and the lease has not expired.

You must file this form with the court within 30 days after you file your bankruptcy petition or by the date set for the meeting of creditors,

whichever is earlier, unless the court extends the time for cause. You must also send copies to the creditors and lessors you list

on the form

If two married people are filing together in a joint case, both are equally responsible for supplying correct information. Both debtors must

sign and date the form.

Be as complete and accurate as possible. 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).

Part 1: List Your Creditors Who Have Secured Claims

1. For any creditors that you listed in Part 1 of Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D), fill in the

information below.

Identify the creditor and the property that is collateral What do you intend to do with the property that

secures a debt?

Did you claim the property

as exempt on Schedule C?

Creditor's Bank Of America  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of 12309 Country Creek Way Glen Reaffirmation Agreement.

Allen, VA 23059 Henrico

County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000

property  Retain the property and [explain]:

securing debt:

Creditor's Citimortgage  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of 12309 Country Creek Way Glen Reaffirmation Agreement.

Allen, VA 23059 Henrico

County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000

property  Retain the property and [explain]:

securing debt:

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 1

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Debtor 1

Debtor 2

Andrew Drohan Todd

Janet Lea Todd Case number (if known) 16-30015

Creditor's SunTrust Bank  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of 12309 Country Creek Way Glen Reaffirmation Agreement.

Allen, VA 23059 Henrico

County

2015 Tax Assessment $740,000

Appraised Value per SunTrust

$810,000

property  Retain the property and [explain]:

securing debt:

Creditor's US Bankcorp  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Reaffirmation Agreement. Description of 2012 Volvo XC60 82,000 miles

Average Condition

Owners - Husband and Wife

property  Retain the property and [explain]:

securing debt:

Part 2: List Your Unexpired Personal Property Leases

For any unexpired personal property lease that you listed in Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G), fill

in the information below. Do not list real estate leases. Unexpired leases are leases that are still in effect; the lease period has not yet ended.

You may assume an unexpired personal property lease if the trustee does not assume it. 11 U.S.C. § 365(p)(2).

Describe your unexpired personal property leases Will the lease be assumed?

Lessor's name: The Icke Revocable Trust  No

 Yes

Description of leased

Property:

One year lease for residential property beginning November 15, 2015 and

expires on November 15, 2016. The monthly lease payment is $2,500.

Part 3: Sign Below

Under penalty of perjury, I declare that I have indicated my intention about any property of my estate that secures a debt and any personal

property that is subject to an unexpired lease.

X /s/ Andrew Drohan Todd X /s/ Janet Lea Todd

Andrew Drohan Todd Janet Lea Todd

Signature of Debtor 1 Signature of Debtor 2

Date January 29, 2016 Date January 29, 2016

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 2

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United States Bankruptcy Court

Eastern District of Virginia

In re

Andrew Drohan Todd

Janet Lea Todd Case No. 16-30015

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 $ HOURLY

Prior to the filing of this statement I have received $ 28,206.00

Balance Due $ 0.00

2. $ 336.00 of the filing fee has been paid.

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

Debtor Other (specify)

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

Debtor Other (specify)

5. 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.

6. 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:

Negotiations with secured creditors to reduce to market value; exemption planning; preparation and filing of

reaffirmation agreements and applications as needed; preparation and filing of motions pursuant to 11 USC

522(f)(2)(A) for avoidance of liens on household goods.

7. 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.

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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.

January 29, 2016 /s/ Roy M. Terry, Jr.

Date Roy M. Terry, Jr. 17764

Signature of Attorney

Sands Anderson PC

Name of Law Firm

1111 East Main Street, Suite 2400

P.O. Box 1998

Richmond, VA 23218-1998

804-648-1636 Fax: 804-783-7291

For use in Chapter 13 Cases where Fees Requested Not in Excess of $5,050

(For all Cases Filed on or after 1/01/2015)

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

[2030edva ver. 12/15]

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Case 16-30015-KRH Doc 18 Filed 01/29/16 Entered 01/29/16 17:34:53 Desc Main

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