UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

RICHMOND DIVISION

IN RE:

Karen Little Young

Debtor(s)

BCN#: 16-33413-KLP

Chapter: 13

NOTICE OF MOTION (OR OBJECTION) 

Wells Fargo Bank, NA has filed papers with the court objecting to the confirmation of the 

proposed Chapter 13 plan.

Your rights may be affected. You should read these papers carefully and discuss them 

with your attorney, if you have one in this bankruptcy case. (If you do not have an attorney, you 

may wish to consult one.)

If you do not want the court to grant the relief sought in the Objection, or if you want the 

court to consider your views on the Objection, then on or before August 31, 2016, you or your 

attorney must:

 File with the court, at the address shown below, a written request for a hearing [or 

a written response pursuant to Local Bankruptcy Rule 9013-1(H)]. If you mail 

your request for hearing (or response) to the court for filing, you must mail it early 

enough so the court will receive it on or before the date stated above.

U.S. Bankruptcy Court

701 East Broad Street,

Suite 4000

Richmond, VA 23219

You must also mail a copy to:

Lindsey C. Kelly, Esquire

James R. Meizanis, Esquire

Gregory N. Britto, Esquire

Auria DuPuch-Freeman, Esquire

SHAPIRO & BROWN, LLP 

501 Independence Parkway, Suite 203

Chesapeake, Virginia 23320

(757) 687-8777

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 Attend a hearing to be scheduled on 8/31/2016 at 9:10 AM at Judge Phillips’ 

Courtroom, 701 E. Broad St., Rm. 5100, Richmond, Virginia. If no timely 

response has been filed opposing the relief requested, the court may grant the 

relief without holding a hearing.

If you or your attorney do not take these steps, the court may decide that you do not 

oppose the relief sought in the motion or objection and may enter an order granting that relief.

Dated:_8/23/16_ SHAPIRO & BROWN, LLP 

Attorneys for Wells Fargo Bank, NA

By:/s/ Auria DuPuch-Freeman

Lindsey C. Kelly, Esquire

VSB #71314

James R. Meizanis, Esquire

VSB #80692

Gregory N. Britto, Esquire

VSB #23476

Auria DuPuch-Freeman, Esquire

VSB #87483

SHAPIRO & BROWN, LLP 

501 Independence Parkway, Suite 203

Chesapeake, Virginia 23320

(757) 687-8777

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CERTIFICATE OF SERVICE 

I certify that I have this _23_ day of __August__, 2016_, electronically transmitted and/or 

mailed by first class mail, postage pre-paid or hand-delivered a true copy of the foregoing Notice 

of Motion (or Objection) to the following:

Karen Little Young

1229 Laurel Springs Rd.

Hustle, VA 22476

Suzanne E. Wade

P.O. Box 1780

Richmond, VA 23218-1780

Karen Little Young

1229 Laurel Springs Rd

Hustle, VA 22476

/s/ Auria DuPuch-Freeman

Lindsey C. Kelly, Esquire

James R. Meizanis, Esquire

Gregory N. Britto, Esquire

Auria DuPuch-Freeman, Esquire

Lindsey C. Kelly, Esquire

James R. Meizanis, Esquire

Gregory N. Britto, Esquire

Auria DuPuch-Freeman, Esquire

Shapiro & Brown, LLP Attorney for

Wells Fargo Bank, N.A.

501 Independence Parkway, Suite 203

Chesapeake, Virginia 23320

(757) 687-8777 15-254887

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

RICHMOND DIVISION

IN RE:

Karen Little Young

Debtor(s)

BCN#: 16-33413-KLP

Chapter: 13

OBJECTION OF WELLS FARGO BANK, NA

TO PROPOSED CHAPTER 13 PLAN AND

CONFIRMATION THEREOF

Wells Fargo Bank, NA, and its assignees and/or successors in interest, a secured creditor 

in the above-entitled Bankruptcy proceeding, hereby submits the following objections to the 

confirmation of the Chapter 13 Plan proposed by Debtor:

1. This objecting secured creditor is the beneficiary of a trust deed on property 

commonly known as 1229 Laurel Springs Rd, Hustle, VA 22476; the promissory note and deed 

of trust were attached to the proof of claim filed by the secured creditor.

2. The debtor is due for pre-petition monthly payments in the amount of $12,922.32; 

prepetition fees of $1,370.67; escrow advances of $3,506.13 and an escrow shortage of $1692.42.

3. The proposed Plan does not set forth a reasonable schedule and time period for the 

payment of arrearages on the deed of trust.

4. The proposed Chapter 13 plan does not provide this objecting secured creditor 

with adequate protection or adequate security, according to Sections 362 and 1325(a) of the 

Code.

5. As indicated by the debtor's payment history and schedules, the Plan is not 

feasible.

6. The Plan does not propose to pay the secured creditor's entire claim as shown in 

its proof of claim in the amount of $19,491.54.

Lindsey C. Kelly, Esquire

James R. Meizanis, Esquire

Gregory N. Britto, Esquire

Auria DuPuch-Freeman, Esquire

Shapiro & Brown, LLP

501 Independence Parkway, Suite 203

Chesapeake, Virginia 23320

(757) 687-8777 15-254887

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CONCLUSION 

Any Chapter 13 Plan proposed by Debtors must provide for and eliminate the objections specified above in 

order to be feasible and to provide adequate protection to this objecting secured creditor. It is respectfully requested 

that confirmation of the Chapter 13 Plan as proposed by Debtor be denied.

WHEREFORE, secured creditor prays as follows:

1. That confirmation of the proposed Chapter 13 Plan be denied.

2. For attorney's fees and costs incurred herein.

3. That a hearing be held August 31, 2016, at 9:10 am at Judge Phillips' Courtroom, 701 E. Broad 

St., Rm. 5100, Richmond, Virginia. on this objection.

4. For such other relief as this Court deems proper.

Dated:_08/23/2016__ Respectfully submitted

Wells Fargo Bank, NA

By Counsel:

/s/ Auria DuPuch-Freeman

Lindsey C. Kelly, Esquire

James R. Meizanis, Esquire

Gregory N. Britto, Esquire

Auria DuPuch-Freeman, Esquire

Shapiro & Brown, LLP

501 Independence Parkway, Suite 203

Chesapeake, Virginia 23320

(757) 687-8777

I certify that I have electronically transmitted and/or mailed true copies of the above Objections to the Chapter 13 

Plan, by First Class Mail, postage prepaid on this _23rd___ day of _August___, 2016_ to the following:

Karen Little Young

1229 Laurel Springs Rd.

Hustle, VA 22476

Suzanne E. Wade

P.O. Box 1780

Richmond, VA 23218-1780

Karen Little Young

1229 Laurel Springs Rd

Hustle, VA 22476

/s/ Auria DuPuch-Freeman

Lindsey C. Kelly, Esquire

James R. Meizanis, Esquire

Gregory N. Britto, Esquire

Auria DuPuch-Freeman, Esquire

15-254887

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