UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA - NORFOLK DIVISION

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Iris Yolanda Shelley Case No: 15-74069-SCS

This plan, dated December 3, 2015 , is:

 the first Chapter 13 plan filed in this case.

 a modified Plan, which replaces the

confirmed or unconfirmed Plan dated .

Date and Time of Modified Plan Confirming Hearing:

Place of Modified Plan Confirmation Hearing:

The Plan provisions modified by this filing are:

Creditors affected by this modification are:

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

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

liens, or (iii) assume or reject unexpired leases or executory contracts, you MUST file a timely written

objection.

This Plan may be confirmed and become binding, and the included motions in paragraphs 3, 6, and 7 to 

value collateral, avoid liens, and assume or reject unexpired leases or executory contracts may be 

granted, without further notice or hearing unless a written objection is filed not later than seven (7) days

prior to the date set for the confirmation hearing and the objecting party appears at the confirmation

hearing.

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

Total Assets: $35,749.00

Total Non-Priority Unsecured Debt: $73,365.32

Total Priority Debt: $1,531.02

Total Secured Debt: $23,576.00

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1. Funding of Plan. The debtor(s) propose to pay the trustee the sum of $375.00 Monthly for 60 months. Other payments to

the Trustee are as follows: NONE . The total amount to be paid into the plan is $ 22,500.00 .

2. Priority Creditors. The Trustee shall pay allowed priority claims in full unless the creditor agrees otherwise.

A. Administrative Claims under 11 U.S.C. § 1326.

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

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

2. Debtor(s)' attorney will be paid $ 4,741.00 balance due of the total fee of $ 5,050.00 concurrently

with or prior to the payments to remaining creditors.

B. Claims under 11 U.S.C. §507.

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

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

other priority creditors but concurrently with administrative claims above:

Creditor Type of Priority Estimated Claim Payment and Term

Treasurer, Franklin City Taxes and certain other debts 450.00 Prorata

6 months

Virginia Dept. of Taxation Taxes and certain other debts 1,081.02 Prorata

6 months

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

Payments, and Payment of certain Secured Claims.

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

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

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

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

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

U.S.C. § 1325(a) [motor vehicles purchased within 910 days or any other thing of value purchased within 1 year before filing

bankruptcy], in which the replacement value is asserted to be less than the amount owing on the debt. Such debts will be

treated as secured claims only to the extent of the replacement value of the collateral. That value will be paid with

interest as provided in sub-section D of this section. You must refer to section 3(D) below to determine the interest

rate, monthly payment and estimated term of repayment of any "crammed down" loan. The deficiency balance owed

on such a loan will be treated as an unsecured claim to be paid only to the extent provided in section 4 of the Plan.

The following secured claims are to be "crammed down" to the following values:

Creditor Collateral Purchase Date Est Debt Bal. Replacement Value

C&F Bank 2010 Jeep Commander With 198,000

Miles

03/2012 18,438.00 11,150.00

Fast Auto Loans 1999 Acura Legend (Broken Down. not

currently functional)

2013 400.00 250.00

Grand Furniture

Discount Store

Bedroom Set x2 and Couch 2010 1,080.41 500.00

B. Real or Personal Property to be Surrendered.

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

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

collateral does not satisfy the claim, any timely filed deficiency claim to which the creditor is entitled may be paid as a

non-priority unsecured claim. Confirmation of the Plan shall terminate the automatic stay as to the interest of the debtor(s)

and the estate in the collateral.

Creditor Collateral Description Estimated Value Estimated Total Claim

Club Land'or (Nassau) Ltd. Timeshare - Club Land'or 1.00 1,000.00

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C. Adequate Protection Payments.

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

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

follows:

Creditor Collateral Description

Adeq. Protection 

Monthly Payment To Be Paid By

C&F Bank 2010 Jeep Commander With 198,000

Miles

111.00 Trustee

Grand Furniture Discount Store Bedroom Set x2 and Couch 25.00 Trustee

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

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

order for relief).

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

the Plan):

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

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

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

replacement value as specified in sub-section A of this section, whichever is less, with interest at the rate provided below, the

monthly payment specified below until the amount of the secured claim has been paid in full. Upon confirmation of the

Plan, the valuation and interest rate shown below will be binding unless a timely written objection to confirmation is

filed with and sustained by the Court.

Creditor Collateral

Approx. Bal. of Debt or

"Crammed Down" Value

Interest 

Rate Monthly Paymt & Est. Term**

C&F Bank 2010 Jeep Commander With

198,000 Miles

11,150.00 4.25% 235.15

52 months

Fast Auto Loans 1999 Acura Legend (Broken

Down. not currently functional)

250.00 4.25% 7.41

36 months

Grand Furniture

Discount Store

Bedroom Set x2 and Couch 500.00 4.25% 14.82

36 months

E. Other Debts.

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

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

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

4. Unsecured Claims.

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

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

approximately 1 %. The dividend percentage may vary depending on actual claims filed. If this case were

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

approximately 0 %.

B. Separately classified unsecured claims.

Creditor Basis for Classification Treatment

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

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

existing default under 11 U.S.C. § 1322(b)(5).

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

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

by the Trustee either pro rata with other secured claims or on a fixed monthly basis as indicated below, without

interest unless an interest rate is designated below for interest to be paid on the arrearage claim and such interest is

provided for in the loan agreement.

Creditor Collateral

Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest

Rate

Estimated

Cure Period

Monthly

Arrearage

Payment

Amphib Base 2013 Chevy Sonic With 26,000

Miles (Mother's Vehicle, paid

by mother).

266.55 0.00 0% 0 months

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

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

debts shall be cured by the Trustee either pro rata with other secured claims or with monthly payments as set forth

below.

Creditor Collateral

Regular

Contract

Payment

Estimated

Arrearage

Interest

Rate

Term for

Arrearage

Monthly

Arrearage

Payment

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

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

payment under the Plan is due shall be paid by the Trustee during the term of the Plan as permitted by 11 U.S.C. §

1322(c)(2) with interest at the rate specified below as follows:

Creditor Collateral

Interest

Rate

Estimated

Claim Monthly Paymt& Est. Term**

-NONE6. Unexpired Leases and Executory Contracts. The debtor(s) move for assumption or rejection of the executory contracts and

leases listed below.

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

Creditor Type of Contract

Why Not Lease It Lease to Own (Lawnmower) - Reject

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

contracts. The debtor agrees to abide by all terms of the agreement. The Trustee will pay the pre-petition

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

below.

Creditor Type of Contract Arrearage

Monthly

Payment

for Arrears

Estimated

Cure Period

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7. Liens Which Debtor(s) Seek to Avoid.

A. The debtor(s) move to avoid liens pursuant to 11 U.S.C. § 522(f). The debtor(s) move to avoid the following

judicial liens and non-possessory, non-purchase money liens that impair the debtor(s)' exemptions. Unless a written

objection is timely filed with the Court, the Court may grant the debtor(s)' motion and cancel the creditor's

lien. If an objection is filed, the Court will hear evidence and rule on the motion at the confirmation hearing.

Creditor Collateral Exemption Amount Value of Collateral

-NONEB. Avoidance of security interests or liens on grounds other than 11 U.S.C. § 522(f). The debtor(s) have filed or

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

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

here is for information purposes only.

Creditor Type of Lien Description of Collateral Basis for Avoidance

-NONE8. Treatment and Payment of Claims.

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

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

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

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

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

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

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

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

9. Vesting of Property of the Estate. Property of the estate shall revest in the debtor(s) upon confirmation of the Plan.

Notwithstanding such vesting, the debtor(s) may not sell, refinance, encumber real property or enter into a mortgage loan

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

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

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

of $5,000 principal amount during the term of this Plan, either unsecured or secured against personal property, except upon

approval of the Court after notice to the Trustee, any creditor who has filed a request for notice, and other creditors to the

extent required by the Local Rules of this Court.

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11. Other provisions of this plan:

I. Request for Payment of Attorney Fees and Expenses Through Plan

Boleman Law Firm, P.C., ("Boleman") elects and declares that it requests compensation in this case pursuant to

Local Bankruptcy Rule 2016-1(C)(1)(a) and (C)(3)(a). Any funds paid by Debtor(s) to Boleman prior to the case filing

are disclosed at paragraph 9 of the Statement of Financial Affairs and applied, if applicable, first to payment of court

filing fees, then to the credit counseling briefing expense, credit reports, and finally to fees.

II. Payment of Attorney Fees and Expenses - Except as provided in Paragraph 2.B., the claim for attorney fees and

expenses shall be paid all funds available on first disbursement after confirmation of the plan, and until such claim

for attorney fees and expenses is paid in full, except as reserved for adequate protection payments on allowed

secured claims (if any), and trustee commissions.

III. Payment of Adequate Protection

- All adequate protection payments set forth in Section 3.C are to be paid through the Trustee.

- The Debtor(s) shall pay regular post-petition contract payments to the creditors listed in Section 5.A., and such

payments shall also constitute adequate protection payments to such creditors. Accordingly, the Trustee shall not

pay adequate protection payments to creditors listed in Section 5.A.

- No adequate protection payments are to be paid to any creditors unless the Plan provides for the payment of

adequate protection of such claim(s) through the Trustee in Section 3.C. or directly by the Debtor(s) in Section 5.A.,

or unless the Court orders otherwise.

IV. Notwithstanding the confirmation of this plan and expressly subject to the terms of Standing Order 15-4, the

debtor(s) reserve the right to challenge the allowance, validity, or enforceability of any claim in accordance with §

502(b) and to challenge the standing of any party to assert any such claim.

Signatures:

Dated: December 3, 2015

/s/ Iris Yolanda Shelley /s/ Jennifer T. Langley VSB

Iris Yolanda Shelley Jennifer T. Langley VSB 81454

Debtor Debtor's Attorney

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

Matrix of Parties Served with Plan

Certificate of Service

I certify that on December 3, 2015 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached

Service List.

/s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature

Convergence Center III

272 Bendix Road, Suite 130

Virginia Beach, VA 23452

Address

(757) 313-3000

Telephone No.

Ver. 09/17/09 [effective 12/01/09]

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United States Bankruptcy Court

Eastern District of Virginia - Norfolk Division

In re Iris Yolanda Shelley Case No. 15-74069-SCS

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To:

C & F Finance Company

Mr. James Hudson, Reg. Agent; Hudson & Bondurant; 826 Main Street; P.O. Box 231; West Point, VA 23181

Name of creditor

2010 Jeep Commander With 198,000 Miles

Description of collateral

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

 To value your collateral. See Section 3 of the plan. Your lien will be limited to the value of the collateral, and any

amount you are owed above the value of the collateral will be treated as an unsecured claim.

 To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See

Section 7 of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

2. You should read the attached plan carefully for the details of how your claim is treated. The plan may be confirmed, and

the proposed relief granted, unless you file and serve a written objection by the date specified and appear at the confirmation hearing.

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

Date objection due: Not later than 7 days prior to Hearing

Date and time of confirmation hearing: 02/11/2016 at 10:00 am

Place of confirmation hearing: 600 Granby St., 4th Floor, Room 1, Norfolk, VA

Iris Yolanda Shelley

Name(s) of debtor(s)

By: /s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature

 Debtor(s)' Attorney

 Pro se debtor

Jennifer T. Langley VSB 81454

Name of attorney for debtor(s)

Convergence Center III

272 Bendix Road, Suite 130

Virginia Beach, VA 23452

Address of attorney [or pro se debtor]

Tel. # (757) 313-3000

Fax # (804) 358-8704

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CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the

creditor noted above by

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

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

on this December 3, 2015 .

/s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature of attorney for debtor(s)

Ver. 09/17/09 [effective 12/01/09]

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United States Bankruptcy Court

Eastern District of Virginia - Norfolk Division

In re Iris Yolanda Shelley Case No. 15-74069-SCS

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To:

Fast Auto Loans, Inc.

CT Corporation System, Reg. Agent; 4701 Cox Road, Suite 285; Glen Allen, VA 23060-6802

Name of creditor

1999 Acura Legend (Broken Down. not currently functional)

Description of collateral

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

 To value your collateral. See Section 3 of the plan. Your lien will be limited to the value of the collateral, and any

amount you are owed above the value of the collateral will be treated as an unsecured claim.

 To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See

Section 7 of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

2. You should read the attached plan carefully for the details of how your claim is treated. The plan may be confirmed, and

the proposed relief granted, unless you file and serve a written objection by the date specified and appear at the confirmation hearing.

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

Date objection due: Not later than 7 days prior to Hearing

Date and time of confirmation hearing: 02/11/2016 at 10:00 am

Place of confirmation hearing: 600 Granby St., 4th Floor, Room 1, Norfolk, VA

Iris Yolanda Shelley

Name(s) of debtor(s)

By: /s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature

 Debtor(s)' Attorney

 Pro se debtor

Jennifer T. Langley VSB 81454

Name of attorney for debtor(s)

Convergence Center III

272 Bendix Road, Suite 130

Virginia Beach, VA 23452

Address of attorney [or pro se debtor]

Tel. # (757) 313-3000

Fax # (804) 358-8704

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CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the

creditor noted above by

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

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

on this December 3, 2015 .

/s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature of attorney for debtor(s)

Ver. 09/17/09 [effective 12/01/09]

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United States Bankruptcy Court

Eastern District of Virginia - Norfolk Division

In re Iris Yolanda Shelley Case No. 15-74069-SCS

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To:

Grand Furniture / Sterling Church Street Furniture Store, Incorporated

c/o Craig L. Stein, Reg. Agent; 1305 Baker Road; Virginia Beach, VA 23455

Name of creditor

Bedroom Set x2 and Couch

Description of collateral

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

 To value your collateral. See Section 3 of the plan. Your lien will be limited to the value of the collateral, and any

amount you are owed above the value of the collateral will be treated as an unsecured claim.

 To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See

Section 7 of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

2. You should read the attached plan carefully for the details of how your claim is treated. The plan may be confirmed, and

the proposed relief granted, unless you file and serve a written objection by the date specified and appear at the confirmation hearing.

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

Date objection due: Not later than 7 days prior to Hearing

Date and time of confirmation hearing: 02/11/2016 at 10:00 am

Place of confirmation hearing: 600 Granby St., 4th Floor, Room 1, Norfolk, VA

Iris Yolanda Shelley

Name(s) of debtor(s)

By: /s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature

 Debtor(s)' Attorney

 Pro se debtor

Jennifer T. Langley VSB 81454

Name of attorney for debtor(s)

Convergence Center III

272 Bendix Road, Suite 130

Virginia Beach, VA 23452

Address of attorney [or pro se debtor]

Tel. # (757) 313-3000

Fax # (804) 358-8704

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CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the

creditor noted above by

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

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

on this December 3, 2015 .

/s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature of attorney for debtor(s)

Ver. 09/17/09 [effective 12/01/09]

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Fill in this information to identify your case:

Debtor 1 Iris Yolanda Shelley

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA - NORFOLK

DIVISION

Case number 15-74069-SCS Check if this is:

(If known)  An amended filing

 A supplement showing post-petition chapter

13 income as of the following date:

Official Form B 6I MM / DD/ YYYY

Schedule I: Your Income 12/13

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

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

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

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

Part 1: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,

attach a separate page with

information about additional

employers.

Include part-time, seasonal, or

self-employed work.

Occupation may include student

or homemaker, if it applies.

Employment status

 Employed

 Not employed

 Employed

 Not employed

Occupation Medical Biller

Employer's name True Health

Employer's address 737 N. 5th St.

Richmond, VA 23219

How long employed there?

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. $ 3,594.91 $ N/A

3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ N/A

4. Calculate gross Income. Add line 2 + line 3. 4. $ 3,594.91 $ N/A

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

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Debtor 1 Iris Yolanda Shelley Case number (if known) 15-74069-SCS

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 3,594.91 $ N/A

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 446.29 $ N/A

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ N/A

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ N/A

5d. Required repayments of retirement fund loans 5d. $ 227.50 $ N/A

5e. Insurance 5e. $ 252.09 $ N/A

5f. Domestic support obligations 5f. $ 0.00 $ N/A

5g. Union dues 5g. $ 0.00 $ N/A

5h. Other deductions. Specify: 5h.+ $ 0.00 + $ N/A

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 925.88 $ N/A

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 2,669.03 $ N/A

8. List all other income regularly received:

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

profession, or farm

Attach a statement for each property and business showing gross

receipts, ordinary and necessary business expenses, and the total

monthly net income. 8a. $ 0.00 $ N/A

8b. Interest and dividends 8b. $ 0.00 $ N/A

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 $ N/A

8d. Unemployment compensation 8d. $ 0.00 $ N/A

8e. Social Security 8e. $ 1,021.00 $ N/A

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 $ N/A

8g. Pension or retirement income 8g. $ 0.00 $ N/A

8h. Other monthly income. Specify:

Federal and State Tax Refunds

Amortized 8h.+ $ 333.00 + $ N/A

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 1,354.00 $ N/A

10. Calculate monthly income. Add line 7 + line 9. 10. $ 4,023.03 + $ N/A = $ 4,023.03

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. $ 4,023.03

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

applies

Combined

monthly income

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

 No.

 Yes. Explain:

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

Case 15-74069-SCS Doc 10 Filed 12/03/15 Entered 12/03/15 09:27:09 Desc Main

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Fill in this information to identify your case:

Debtor 1 Iris Yolanda Shelley Check if this is:

 An amended filing

Debtor 2  A supplement showing post-petition chapter

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

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA -

NORFOLK DIVISION

MM / DD / YYYY

Case number 15-74069-SCS  A separate filing for Debtor 2 because Debtor

(If known) 2 maintains a separate household

Official Form B 6J

Schedule J: Your Expenses 12/13

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

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

number (if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

 Yes. Debtor 2 must file a separate Schedule J.

2. Do you have dependents?  No

Do not list Debtor 1

and Debtor 2.

 Yes. Fill out this information for

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

Dependent’s relationship to

Debtor 1 or Debtor 2

Dependent’s

age

Does dependent

live with you?

Do not state the

dependents' names. Daughter 8

 No

 Yes

Son 16

 No

 Yes

Son 19

 No

 Yes

Son 20

 No

 Yes

3. Do your expenses include

expenses of people other than

yourself and your dependents?

 No

 Yes

Part 2: Estimate Your Ongoing Monthly Expenses

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

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

applicable date.

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

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

(Official Form 6I.) Your expenses

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

payments and any rent for the ground or lot. 4. $ 1,500.00

If not included in line 4:

4a. Real estate taxes 4a. $ 0.00

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

4c. Home maintenance, repair, and upkeep expenses 4c. $ 0.00

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

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

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

Case 15-74069-SCS Doc 10 Filed 12/03/15 Entered 12/03/15 09:27:09 Desc Main

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Debtor 1 Iris Yolanda Shelley Case number (if known) 15-74069-SCS

6. Utilities:

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

6b. Water, sewer, garbage collection 6b. $ 0.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 150.00

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

7. Food and housekeeping supplies 7. $ 500.00

8. Childcare and children’s education costs 8. $ 75.00

9. Clothing, laundry, and dry cleaning 9. $ 76.00

10. Personal care products and services 10. $ 75.00

11. Medical and dental expenses 11. $ 100.00

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

Do not include car payments. 12. $ 201.00

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

14. Charitable contributions and religious donations 14. $ 0.00

15. Insurance.

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

15a. Life insurance 15a. $ 0.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 171.00

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. $ 0.00

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 6I). 18. $ 0.00

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

Specify: 19.

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

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

20b. Real estate taxes 20b. $ 0.00

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

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

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

21. Other: Specify: Miscellaneous Expense 21. +$ 150.00

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

The result is your monthly expenses.

22. $ 3,648.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 4,023.03

23b. Copy your monthly expenses from line 22 above. 23b. -$ 3,648.00

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

The result is your monthly net income. 23c. $ 375.03

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

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

modification to the terms of your mortgage?

 No.

 Yes.

Explain:

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

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Office of the U.S. Trustee 

200 Granby Street 

Suite 625 

Norfolk, VA 23510 

7-Eleven 

1722 Routh Street, #1000 

Dallas, TX 75201 

Acts Clr. Hse 

P.O. Box 2373 

Glen Burnie, MD 21060 

ADS 

495 Commerce Drive 

Suite 2 

Buffalo, NY 14226 

Amphib Base 

830 Greenbrier Cir 

Chesapeake, VA 23320 

Bass & Associates, P.C. 

3936 E. Ft. Lwell Rd. 

Suite 200 

Tucson, AZ 85712-1083 

Bayview Physician Services 

P.O. Box 7068 

Portsmouth, VA 23707-0068 

Bradford Exchange Online 

9307 Milwaukee Ave. 

Niles, IL 60714 

Buckeye Check Cashing 

706 Airline Blvd. 

Portsmouth, VA 23707 

C&F Bank 

P.O. Box 391 

West Point, VA 23181 

Capio Partners, LLC 

2222 Texoma Pkwy. 

Suite 160 

Sherman, TX 75090 

Capital Management Services, L 

698 1/2 South Ogden St. 

Buffalo, NY 14206 

Capital One Bank 

P.O. Box 30285 

Salt Lake City, UT 84130-0285 

Charter Communications 

216 Moore Avenue 

Suffolk, VA 23434 

Chase Receivables 

P.O. Box 159 

Hawthorne, NY 10532 

Check into Cash 

P.O. Box 550 

Cleveland, TN 37364-0550 

CHKD 

601 Children's Lane 

Norfolk, VA 23507 

Club Land'or (Nassau) Ltd. 

4050 Innslake Drive 

Suite 204 

Glen Allen, VA 23060 

Credit Collection Company 

P.O. Box 21504 

Roanoke, VA 24018 

Credit Collection Services 

Two Wells Avenue 

Newton Center, MA 02459 

Credit Control Corporation 

11821 Rock Landing Drive 

Newport News, VA 23606 

Credit Management LP 

4200 International Parkway 

Carrollton, TX 75007 

Credit One Bank 

P.O. Box 98873 

Las Vegas, NV 89193-8873 

Debt Recovery Solution 

900 Merchants Concourse 

Westbury, NY 11590 

Debt Recovery Solutions 

900 Merchants Concourse 

Suite LL-11 

Westbury, NY 11590 

Deer Park 

P.O. Box 856192 

Louisville, KY 40285 

Dept of Ed/Navient 

300 Continental Drive 

Newark, DE 19713-4322 

District of Combia 

c/o Professional Acct. Mgmt 

P.O. Box 391 

Milwaukee, WI 53201 

Doctors Community Hospital 

8118 Good Luck Road 

Lanham, MD 20706 

Eastern Account Sys of Conn. 

P.O. Box 837 

Newtown, CT 06470 

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Emergency Phys. of Tidewater 

4092 Foxwood Dr., Ste 101 

Virginia Beach, VA 23462 

Fast Auto Loans 

1420 Armory Drive 

Franklin, VA 23851 

Financial Mgmt 

P.O. Box 731667 

Dallas, TX 75373 

First National Collection 

610 Waltham Way 

Sparks, NV 89434-6695 

First Premier Bank 

3820 N. Louise Avenue 

Sioux Falls, SD 57101 

First Virginia Bank 

6785 Bobcat Way 

Suite 200 

Dublin, OH 43016 

Franklin Clinic Corporation 

P.O. Box 195 

White Sulphur Springs, WV 24986-0195 

GEICO 

P.O. Box 55126 

Boston, MA 02205 

Genesis Financial 

c/o Receivables Management Sys 

20816 44th Ave. W. 

Lynnwood, WA 98036 

Grand Furniture Discount Store 

c/o Craig L. Stein, President 

1305 Baker Road 

Virginia Beach, VA 23455 

Grandpointe 

1112 7th Avenue 

Monroe, WI 53566 

Hampton Roads Radiology 

PO Box 844555 

Boston, MA 02284-4555 

Hidden Pictures Club 

P.O. Box 6381 

Harlan, IA 51593 

Home Shopping Network 

P.O. Box 9090 

Clearwater, FL 33758 

Hudson Law Office 

326 S Main St 

Emporia, VA 23847-2028 

I.C. System Inc. 

444 Highway 96 East 

Saint Paul, MN 55127-2557 

Imperial Credit Services 

125 N. Parkside Drive 

#302 

Colorado Springs, CO 80909 

John Lee Jackson 

1445 Langlham Creek Drive 

Houston, TX 77084 

Lendgreen 

P.O. Box 221 

Lac Du Flambeau, WI 54538 

Maryview Medical Center 

3636 High Street 

Portsmouth, VA 23707 

Maryview Specialty Group 

12200 Annapolis Road 

Suite 123 

Glenn Dale, MD 20769 

MCV Physicians 

1201 E. Marshall Street 

Richmond, VA 23298-5026 

Midland Funding 

8875 Aero Drive, Suite 200 

San Diego, CA 92123 

Mitchell Rubenstein & Assoc. 

12 S. Summit AVenue 

Suite 250 

Gaithersburg, MD 20877 

Montery County Bank 

601 Munras Avenue 

Monterey, CA 93940 

Music & Arts Center 

c/o Law Office of Joel Cardis 

2006 Swede Rd. Suite 100 

Norristown, PA 19401 

National Recovery 

2491 Paxton Street 

Harrisburg, PA 17111-1036 

NCC 

P.O. Box 9156 

Alexandria, VA 22304-0156 

Parrish & Lebar 

5 E. Franklin St. 

Richmond, VA 23219 

PASI 

7100 Commerce Way 

Suite 100 

Brentwood, TN 37027 

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Patel, MD 

Franklin Clinic Corp 

P.O. Box 195 

White Sulphur Springs, WV 24986 

Pepco 

701 Ninnth Stree N.W. 

Washington, DC 20068 

Pinnacle Credit Services, LLC 

P.O. Box 640 

Hopkins, MN 55343-0640 

Portfolio Recovery Assoc. 

120 Corporate Blvd. 

Norfolk, VA 23502 

Professional Placement 

P.O. Box 612 

Milwaukee, WI 53201 

Professional Recovery Consult. 

2700 Meridian Pkwy. 

Suite 200 

Durham, NC 27713-2204 

Progressive Direct 

P.O. Box 31260 

Tampa, FL 33631 

QVC, Inc. 

1200 Wilson Drive 

West Chester, PA 19380 

Readell Bell 

1024 Patriot Way 

Portsmouth, VA 23704 

Renaissance Peditrics 

2400 Hermitage Road 

Richmond, VA 23220 

Riad Dakhell, MD 

400 Mitchellville Rd. 

Suite B216 

Bowie, MD 20716 

Richmond Ambulance 

2400 Hermitage Road 

Chesapeake, VA 23320 

Sentara Collections 

535 Independence Pkwy 

Suite 700 

Chesapeake, VA 23320 

Sentara Collections 

P.O. Box 79698 

Baltimore, MD 21279-0698 

Sentara Healthcare 

P.O. Box 1875 

Norfolk, VA 23501 

Southampton Memorial Hosp 

100 Fairview Drive 

Franklin, VA 23851 

Southhampton Emergency Group 

100 Fairview Drive 

Franklin, VA 23851 

Springleaf Financial Services 

5272 Fairfield Shopping Ctr. 

Virginia Beach, VA 23464-4212 

State of MD/CCU 

300 W. Preston Street 

Suite 503 

Baltimore, MD 21201 

Sterling Church Street Furnitu 

5565 Virginia Beach Blvd 

Virginia Beach, VA 23462 

Suffolk Fire & Rescue 

P.O. Box 863 

Lewisville, NC 27023 

Suffolk Radiology 

P.O. Box 388 

Suffolk, VA 23439-0388 

SYNCB/Walmart 

P.O. Box 965015 

Orlando, FL 32896-5015 

Think Cash 

1055 Westlakes Drive 

Suite 300 

Berwyn, PA 19312-2410 

Today Network 

c/o National Recovery Agent 

2491 Paxton Street 

Harrisburg, PA 17111 

Transworld Systems Inc. 

P.O. Box 1874 

Horsham, PA 19044-6874 

Treasurer, Franklin City 

City hall Bldg., First Floor 

207 W. 2nd Ave. 

Franklin, VA 23851 

Treasurer, Franklin City 

P.O. Box 179 

Franklin, VA 23851 

Trident Asset Management 

5755 Northpoint Parkway #12 

Alpharetta, GA 30022 

TRS Recovery 

5251 Westheimer 

Houston, TX 77056 

Case 15-74069-SCS Doc 10 Filed 12/03/15 Entered 12/03/15 09:27:09 Desc Main

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Ultima Care 

12200 Annapolis Road 

Suite 123 

Glenn Dale, MD 20769-9182 

United Consumer Financial Svc. 

P.O. Box 856290 

Louisville, KY 40285-6290 

VCU Health System 

P.O. Box 7589721 

Baltimore, MD 21275 

Verizon Virginia Inc. 

500 Technology Drive, #550 

Weldon Springs, MO 63304 

Verizon Wireless 

P.O. Box 26055 

Minneapolis, MN 55426 

Virginia Dept. of Taxation 

P.O. Box 2156 

Richmond, VA 23218 

Washington Gas 

101 Constitution Ave., NW 

Washington, DC 20080 

Washington Suburban Sanitation 

14501 Sweitzer lane 

Laurel, MD 20707 

Why Not Lease It 

1750 Elm Street 

Suite 1200 

Manchester, NH 03104 

 

 

 

 

 

 

 

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