James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtors 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

CORTLANDT DEPISTERFIELD CARTER III ) Case No. 16−32955−KRH 

PAULINA YVETTE CARTER ) Chapter 13 

 ) 

 Debtors ) 

MOTION TO INCUR DEBT 

 COME NOW, the Debtors, by counsel, and as and for their Motion to Incur Debt, state as 

follows: 

 1. The Debtors filed this case under Chapter 13 of the U.S. Bankruptcy Code on 

June 13, 2016. 

 2. The Debtors have applied for and Hart Nissan has approved a loan to the Debtors 

in the amount of $28,698.82 plus interest at 17.99% per annum to be repaid with 72 equal 

monthly payments of $660.00 for the purchase of a 2021 Nissan Altima or similar vehicle. 

3. The Debtors need to purchase the referenced vehicle because one of their vehicles 

is having mechanical issues, and they need the vehicle to travel to and from work and for 

personal travel. 

4. Upon approval of this Motion, the Debtors will be surrendering the current 

vehicle back to the lender. 

5. The purchase of the vehicle is in the best interest of the Debtors and will facilitate 

their ability to perform under their Chapter 13 Plan filed herein. 

Case 16-32955-KRH Doc 31 Filed 02/05/21 Entered 02/05/21 16:43:30 Desc Main

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 6. The Debtors’ Chapter 13 Plan has been confirmed. 

WHEREFORE, the Debtors request that the Court enter an Order approving the aforesaid 

loan on the terms stated herein and for such other relief as the Court may deem appropriate. 

CORTLANDT DEPISTERFIELD CARTER III 

PAULINA YVETTE CARTER 

 By: /s/ James E. Kane 

 Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtors 

CERTIFICATE OF SERVICE 

I hereby certify that on February 5, 2021, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all counsel of record who have signed up to receive such notification and by first class 

mail to the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

Case 16-32955-KRH Doc 31 Filed 02/05/21 Entered 02/05/21 16:43:30 Desc Main

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IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

CORTLANDT DEPISTERFIELD CARTER III ) Case No. 16−32955−KRH 

PAULINA YVETTE CARTER ) Chapter 13 

 ) 

 Debtors ) 

NOTICE OF MOTION 

 The above Debtors have filed Motion to Incur Debt in the above matter. 

 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 motion, or if you want the 

court to consider your views on the motion, then, within twenty-one (21) days from the date of 

this Notice you or your attorney must: 

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

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

request for a 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, to: 

Clerk of Court 

United States Bankruptcy Court 

701 East Broad Street 

Richmond, VA 23219 

You must also mail a copy to: 

James E. Kane, Esquire 

Kane & Papa, P.C. 

1313 East Cary Street 

Richmond, Virginia 23219 

 Attend a hearing to be scheduled at a later date. You will receive a separate 

notice of hearing. If no timely response has been filed opposing the relief 

requested, the court may grant the relief without holding a hearing. 

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 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: February 5, 2021 

CORTLANDT DEPISTERFIELD CARTER III 

PAULINA YVETTE CARTER 

 By: /s/ James E. Kane 

 Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtors 

CERTIFICATE OF SERVICE 

I hereby certify that on February 5, 2021, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all counsel of record who have signed up to receive such notification and by first class 

mail to the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

Case 16-32955-KRH Doc 31 Filed 02/05/21 Entered 02/05/21 16:43:30 Desc Main

Document Page 4 of 7
 Label Matrix for local noticing AmeriCredit Financial Services, Inc. dba GM United States Bankruptcy Court 

 0422-3 P O Box 183853 701 East Broad Street 

 Case 16-32955-KRH Arlington, TX 76096-3853 Richmond, VA 23219-1888 

 Eastern District of Virginia 

 Richmond 

 Fri Feb 5 11:51:38 EST 2021 

 Amca Ashley Funding Services, LLC its successors (p)CAPITAL ONE 

 2269 S Saw Mill assigns as assignee of Laboratory PO BOX 30285 

 Elmsford, NY 10523-3832 Corporation of America Holdings SALT LAKE CITY UT 84130-0285 

 Resurgent Capital Services 

 PO Box 10587 

 Greenville, SC 29603-0587 

 Central Virginia Health Serv. City of Petersburg City of Petersburg 

 P.O. Box 220 City Treasurer Treasurer’s Office 

 New Canton, VA 23123-0220 P.O. Box 1271 P.O. Box 1271 

 Petersburg, VA 23804-1271 Petersburg, VA 23804-1271 

 

 Commonwealth of Virginia Convergent Outsourcing Credit One Bank Na 

 Department of Taxation 800 Sw 39th St Po Box 98872 

 PO Box 2156 Renton, WA 98057-4927 Las Vegas, NV 89193-8872 

 Richmond, VA 23218-2156 

 Cynthia B Agone Dept Of Ed/navient Dr Luiza Kreuzer 

 1717 Walthall Creek Dr. Po Box 9635 456 Charles H Dimmock Pkwy # 5 

 Colonial Heights, VA 23834-5869 Wilkes Barre, PA 18773-9635 Colonial Heights, VA 23834-2936 

 Dr. Audie C Florida Dr. Joel Haling Dr. Marco Beltrami 

 321 Poplar Dr. 200 Medical Park Blvd 456 Charles H. Dimmock Pkwy 

 Petersburg, VA 23805-9391 Petersburg, VA 23805-9274 Suite 5 

 Colonial Heights, VA 23834-2936 

 Dr. Neema Amin First National Collection Bure First Premier Bank 

 131 Jennick Dr, Colonial Heig 610 Waltham Way 3820 N Louise Ave 

 Colonial Heights, VA 23834-4905 Sparks, NV 89437-6695 Sioux Falls, SD 57107-0145 

 Fort Lee Federal Credi Gm Financial Hunter Warfield 

 4495 Crossings Blv Po Box 181145 4620 Woodland Corp 

 Prince George, VA 23875-1455 Arlington, TX 76096-1145 Tampa, FL 33614-2415 

 (p)INTERNAL REVENUE SERVICE Internal Revenue Service Jeffrey K Thompson 

 CENTRALIZED INSOLVENCY OPERATIONS PO Box 7346 2602 Buford Rd. 

 PO BOX 7346 Philadelphia, PA 19101-7346 Richmond, VA 23235-3422 

 PHILADELPHIA PA 19101-7346 

 John W. Summerville LCA Collections LVNV Funding, LLC its successors and assigns 

 1401 Johnston Willis Dr P.O. 2240 assignee of FNBM, LLC 

 Richmond, VA 23235-4730 Burlington, NC 27216-2240 Resurgent Capital Services 

 PO Box 10587 

 Greenville, SC 29603-0587 

 

Case 16-32955-KRH Doc 31 Filed 02/05/21 Entered 02/05/21 16:43:30 Desc Main

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 Lab Corp. Mabt/contfin Med Data Sys 

 PO Box 2240 121 Continental Dr Ste 1 645 Walnut St Ste 5 

 Burlington, NC 27216-2240 Newark, DE 19713-4326 Gadsden, AL 35901-4173 

 

 Medical Data Systems I Michele Brenner- Vincent Midland Funding 

 645 Walnut St Ste 5 2602 Buford Rd 2365 Northside Dr Ste 30 

 Gadsden, AL 35901-4173 Richmond, VA 23235-3422 San Diego, CA 92108-2709 

 NPRTO South-East, LLc Navient Solutions, Inc. on behalf of Navy Federal Credit Union 

 256 Data Drive Department of Education Loan Services PO Box 3000 

 Draper, UT 84020-2315 P.O. Box 9635 Merrifield, VA 22119-3000 

 Wilkes-Barre, PA 18773-9635 

 Patrick A Oliver (p)PORTFOLIO RECOVERY ASSOCIATES LLC Premier Bankcard, Llc 

 8260 Atlee Rd PO BOX 41067 c o Jefferson Capital Systems LLC 

 Mechanicsville, VA 23116-1844 NORFOLK VA 23541-1067 Po Box 7999 

 Saint Cloud Mn 56302-7999 

 Progressive Leasing Receivable Management Regional Acceptance Co 

 P O box 413110 7206 Hull Street Rd Ste 1420 East Fire Tower Rd 

 Salt Lake City, UT 84141-3110 North Chesterfield, VA 23235-5826 Greenville, NC 27858-4139 

 Regional Acceptance Corporation Rent A Center (p)WAKEFIELD & ASSOCIATES 

 PO Box 1847 3330 S Crater Rd PO BOX 50250 

 Wilson, NC 27894-1847 Petersburg, VA 23805-9277 KNOXVILLE TN 37950-0250 

 Rotary Club Sam English II DDS Santander Consumer USA 

 217 East City Point Rd 798 South Park Blvd Suite 26 PO Box 961245 

 Hopewell, VA 23860-7804 Colonial Heights, VA 23834-3614 Fort Worth, TX 76161-0244 

 Southside Family Practice Southside Regional Medical Center Southwest Credit Systems 

 24 South Adams St. c/o PASI 4120 International Parkway 

 Petersburg, VA 23803-4525 PO Box 188 Suite 1100 

 Brentwood, TN 37024-0188 Carrollton, TX 75007-1958 

 (p)SPRINT NEXTEL CORRESPONDENCE Taxing Authority Consulting Sv The Nguyen Law Firm 

 ATTN BANKRUPTCY DEPT PO Box 31800 100 Arbor Oak Dr, suite 206 

 PO BOX 7949 Henrico, VA 23294-1800 Ashland, VA 23005-2261 

 OVERLAND PARK KS 66207-0949 

 US Attorney USA Discounters, Ltd. USA Living 

 Suntrust Building PO Box 41007 P O Box 41007 

 919 East Main Street, Suite 1900 Norfolk, VA 23541-1007 Norfolk, VA 23541-1007 

 Richmond, VA 23219-4622 

Case 16-32955-KRH Doc 31 Filed 02/05/21 Entered 02/05/21 16:43:30 Desc Main

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 Virginia Department of Taxatio Virginia Eye Institute Virginia Eye Institute 

 P O Box 2369 400 Westhampton Station c/o The Nguyen Law Firm, PLC 

 Richmond, VA 23218-2369 Richmond, VA 23226-3332 100 Arbor Oak Drive, Suite 206 

 Ashland, VA 23005-2261 

 

 Vital Recovery Services LLC Cortlandt Depisterfield Carter III James E. Kane 

 P O Box 923748 PO Box 3643 Kane & Papa, PC 

 Norcross, GA 30010-3748 Petersburg, VA 23805-3643 1313 East Cary Street 

 P.O. Box 508 

 Richmond, VA 23218-0508 

 

 Paulina Yvette Carter Suzanne E. Wade 

 PO Box 3643 341 Dial 877-996-8484 Code 2385911 

 Petersburg, VA 23805-3643 7202 Glen Forest Drive, Ste. 202 

 Richmond, VA 23226-3770 

 The preferred mailing address (p) above has been substituted for the following entity/entities as so specified 

 by said entity/entities in a Notice of Address filed pursuant to 11 U.S.C. 342(f) and Fed.R.Bank.P. 2002 (g)(4). 

 Capital One Bank Usa N Internal Revenue Service Portfolio Recovery 

 Po Box 85015 Kansas City, MO 64999-0002 PO Box 12914 

 Richmond, VA 23285-0000 Norfolk, VA 23541-0000 

 Revenue Recovery Corporation Sprint 

 P O Box 50250 Attn Bankruptcy Dept 

 Knoxville, TN 37950-0000 PO Box 7949 

 Overland Park KS 66207-0949 

 The following recipients may be/have been bypassed for notice due to an undeliverable (u) or duplicate (d) address. 

 (u)Americredit Financial Services, Inc. dba G (d)AmeriCredit Financial Services, Inc. dba G (d)AmeriCredit Financial Services, Inc., dba 

 P O Box 183853 P O Box 183853 

 Arlington, TX 76096-3853 Arlington, TX 76096-3853 

 (d)Santander Consumer USA, Inc. End of Label Matrix 

 P.O. Box 961245 Mailable recipients 67 

 Fort Worth, TX 76161-0244 Bypassed recipients 4 

 Total 71 

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