UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

CHAPTER13PLAN 

AND RELATED MOTIONS 

N arne .of Debtor(s): Leah Lynette Wilburn 

This plan, dated March 2, 2017 , is: 

0 the first Chapter 13 plan filed in this case. 

• a modified Plan, which replaces the 

Case No: 16-13981 

Dconfirmed or •unconfirmed Plan dated October 25, 2016. 

Date and Time of Modified Plan Confirming Hearing: 

April 6, 2017 at 1:30pm 

Place of Modified Plan Confirmation Hearing: 

200 S. Washington Street, Ctroom Ill. Alexandria, VA 22314 

The Plan provisions modified by this filing are: 

4. Liquidation number corrected 

Creditors affected by this modification are: 

None. 

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

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: $196,208.33 

Total Non-Priority Unsecured Debt: $3,591.00 

Total Priority Debt: $0.00 

Total Secured Debt: $152,117.23 

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

Page lof6 

Best Case Bankruptcy 
1. Funding of Plan. The debtor(s) propose to pay the trustee the sum of$189.87 Monthly for 24 months, then $589.87 

Monthly for 36 months. Other payments to the Trustee are as follows: NONE . The total amount to be paid into the 

plan is$ 25,792.20 . 

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$ 2,000.00 balance due of the total fee of$ 2,500.00 concurrently 

with or prior to the payments to remaining creditors. 

B. Claims under 11 U.S.C. §507. 

Creditor 

-NONEThe 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)(l) will be paid prior to 

other priority creditors but concurrently with administrative claims above: 

Type of Priority Estimated Claim Payment and Term 

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 

-NONECollateral 

B. Real or Personal Property to be Surrendered. 

Purchase Date Est Debt Bal. Replacement Value 

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 

-NONECollateral Description 

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

Page 2of6 

Estimated Value Estimated Total Claim 

Best Case Bankruptcy 
.fc. Adequate Protection Payments. 

The del:itor(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 

-NONECollateral Description 

Adeq. Protection 

Monthly Payment To Be Paid By 

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) asrequired by 11 U.S.C. § 1326(a)(l)(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 ofthe 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 

-NONEE. Other Debts. 

Collateral 

Approx. Bal. of Debt or 

"Crammed Down" Value 

Interest 

Rate Monthly Paymt & Est. Term** 

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 _Jjto._ %. 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 100 %. 

B. Separately classified unsecured claims. 

Creditor 

-NONEBasis for Classification 

Page 3of6 

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

Treatment 

Best Case Bankruptcy 
5. Mortgage Loans Secured by Real Property Constituting theDebtor(s)' Primary Residence; Other Long Term 

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

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 Arrearage Monthly 

Contract Estimated Interest Estimated Arrearage 

Payment Arrearage Rate Cure Period Payment 

Apple Federal Credit 

Union · 

2012 Hyndai Sonata 120000 

miles 

400.00 0.00 0% 0 months 

Wells Fargo Home 

Mortgage 

2857 Gloucester Court 

Woodbridge, VA 22191 Prince 

William County 

1,130.00 21,000.00 0% 49 months Pro rata 

Zillow Valuation 

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 

-NONECollateral 

Regular 

Contract 

Payment 

Estimated Interest 

Arrearage Rate 

Term for 

Arrearage 

Monthly 

Arrearage 

Payment 

C. 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 

-NONECollateral 

Interest 

Rate 

Estimated 

Claim Monthly Paymt& Est. Term** 

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

leases listed below. 

A. 

Creditor 

-NONEB. 

Creditor 

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

Type of Contract 

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

contracts. The debtor agrees to abide by all terms ofthe 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. 

Type of Contract Arrearage 

Page 4of6 

Monthly 

Payment 

for Arrears 

Estimated 

Cure Period 

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

-NONECollateral Exemption Amount Value of Collateral 

B. 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 

-NONEType ofLien Description of Collateral Basis for A voidance 

8. 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 ofthe estate shall revest in the debtor(s) upon confirmation ofthe Plan. 

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

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

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

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

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

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

the extent required by the Local Rules of this Court. 

11. Other provisions of this plan: 

Signatures: 

Dated: March 2, 2017 

/s/ Leah Lynette Wilburn 

Leah Lynette Wilburn 

Debtor 

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

Matrix of Parties Served with Plan 

Page 5of6 

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

/s/ Michael J. 0. Sandler 

Michael J. 0. Sandler 

Debtor's Attorney 

Best Case Bankruptcy 
Certificate of Service 

I certify that on 

List. 

March 2, 2017 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service 

Ver. 09/17/09 [effective 12/0 1/09] 

/s/ Michael J. 0. Sandler 

Michael J. 0. Sandler 

Signature 

12801 Darby Brooke Court 

Suite 201 

Woodbridge, VA 22192 

Address 

703-494-3323 

Telephone No. 

Page 6of6 

Software Copyright (c) 1996-2016 Best Case, LLC -www.bestcase.com Best Case Bankruptcy 
.. Fillm thiS mformat1on to 1denllf our case 

Debtor 1 

Debtor 2 

(Spouse, if filing) . 

Leah Lynette Wilburn 

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA 

Case number 

(If known) 

16-13981 

Official Form 1061 

Schedule 1: Your Income 

Check if this is: 

0 An amended filing 

0 A supplement showing postpetition chapter 

13 income as of the following date: 

MM/DD/YYYY 

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. 

1@1 Describe Employment 

1. Fill in your employment· 

information. 

If you have more than one job, 

attach a separate page with 

information about additional 

employers. 

Employment status 

Occupation 

Include part-time, seasonal, or self-employed work. Employer's name 

Occupation may include student Employer's address 

or homemaker, if it applies. 

• Employed 

0 Not employed 

Check Processing Supervisor 

Navy Federal Credit Union 

820 Follin Lane 

Vienna, VA 22180 

How long employed there? 9 years 

l@f Give Details About Monthly Income 

0 Employed 

0 Not employed 

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. 

2. 

List monthly gross wages, salary, and commissions (before all payroll 

deductions). If not paid monthly, calculate what the monthly wage would be. 2. $ 4,983.33 $ N/A 

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

4. Calculate gross Income. Add line 2 + line 3. 4. $ 4,983.33 I I $ N/A 

Official Form 1061 Schedule 1: Your Income page 1 
Debtor 1 Leah. Lynette Wilburn Case number(ifknown) 16-13981 

~~~~-------------

Copy line 4 here·---------------------------------------------------------------------------------------------------------------------------

5. List all payroll deductions: 

5a. Tax, Medicare, and Social Security deductions 

5b. Mandatory contributions for retirement plans 

5c. Voluntary contributions for retirement plans 

5d. Required repayments of retirement fund loans 

5e. Insurance 

5f. Domestic support obligations 

5g. Union dues 

5h. Other deductions. Specify: Health spending account 

Legal services 

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 

B. List all other income regularly received: 

Ba. 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. 

Bb. Interest and dividends 

Be. 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. 

Bd. Unemployment compensation 

Be. Social Security 

Bf. 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: 

Bg. Pension or retirement income 

Bh. Other monthly income. Specify: Pro-rated tax refund 

9. Add all other income. Add lines Ba+Bb+Bc+Bd+8e+Bf+Bg+8h. 

10. Calculate monthly income. Add line 7 + line 9. 

Add the entries in line ~0 for Debtor 1 and Debtor 2 or non-filing spouse. 

4. 

5a. $ 

5b. $ 

5c. $ 

5d. $ 

5e. $ 

5f. $ 

5g. $ 

5h.+ $ 

$ 

6. $ 

7. $ 

Ba. $ 

Bb. $ 

Be. $ 

Bd. $ 

Be. $ 

Bf. $ 

Bg. $ 

Bh.+ $ 

9. 1$ 

10., $ 

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

715.00 $ 

0.00 $ 

195.00 $ 

98.35 $ 

294.67 $ 

0.00 $ 

0.00 $ 

41.67 + $ 

24.77 $ 

1,369.46 $ 

3,613.87 $ 

0.00 $ 

0.00 $ 

0.00 $ 

0.00 $ 

0.00 $ 

0.00 $ 

0.00 $ 

100.00 + $ 

100.001 1$ 

3,713.871 +I$ 

Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and 

other friends or relatives. 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/A 

N/AI 

N/A I =I$ 3,713.871 

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. Q 

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

applies 12. $ 3, 713.87 

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

• No. 

D Yes. Explain: 

Official Fonn 1061 Schedule 1: Your Income 

Combined 

monthly income 

page 2 
Flll1n th1s mforma!lon to 1dent1fy your case 

Debtor 1 Leah Lynette Wilburn Check if this is: 

D An amended filing 

Debtor2 

(Spouse, if filing) 

D A supplement showing postpetition chapter 

13 expenses as of the following date: 

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA MM/DD/YYYY 

Case number 16-13981 (If known) _:_:~..:::..::..=:....:.. _________ _ 

Official Form 106J 

Schedule J: Your Expenses 

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. 

lj!il Describe Your Household 

1. Is this a joint case? 

• No. Go to line 2. 

DYes. Does Debtor 2live in a separate household? 

D No 

D Yes. Debtor 2 must file Official Form 1 06J-2, Expenses for Separate Household of Debtor 2. 

2. Do you have dependents? D No 

Do not list Debtor 1 and 

Debtor2. •Yes. Fill out this information for 

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

Do not state the 

dependents names. 

3. Do your expenses include 

expenses of people other than 

yourself and your dependents? 

• No 

DYes 

lj!it Estimate Your Ongoing Monthly Expenses 

Dependent's relationship to 

Debtor 1 or Debtor 2 

Daughter 

Dependent's 

age 

6 

Does dependent 

live with you? 

DNo 

•Yes 

DNo 

DYes 

DNo 

DYes 

DNo 

DYes 

12/15 

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 1: Your Income 

(Official Form 1061.) 

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

payments and any rent for the ground or lot. 

If not included in line 4: 

4a. Real estate taxes 

4b. Property, homeowner's, or renter's insurance 

4c. Home maintenance, repair, and upkeep expenses 

4d. Homeowner's association or condominium dues 

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

Official Form 1 06J Schedule J: Your Expenses 

4. $ 1,130.00 

4a. $ 0.00 

4b. $ 0.00 

4c. $ 60.00 

4d. $ 65.00 

5. $ 0.00 

page 1 
Debtor 1 Leah Lynette Wilburn Case number (if known) 

6. Utilities: 

6a. Electricity, heat, natural gas 

6b. Water, sewer, garbage collection 

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

6d. Other. Specify: .-c=e::..:l.:.._l !:.P:.:h;:::-o:.:ne=-s=------------------

7. Food and housekeeping supplies 

8. Childcare and children's education costs 

9. Clothing, laundry, and dry cleaning 

10. Personal care products and services 

11. Medical and dental expenses 

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

Do not include car payments. 

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

14. Charitable contributions and religious donations 

15. Insurance. 

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

15a. Life insurance 

15b. Health insurance 

6a. $ 

6b. $ 

6c. $ 

6d. $ 

7. $ 

8. $ 

9. $ 

10. $ 

11. $ 

12. $ 

13. $ 

14. $ 

15a. $ 

15b. $ 

$ 

$ 

15c. Vehicle insurance 15c. 

- 15d. Other insurance. Specify: 15d. ~~~----------~~~~~----~------ 16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20. 

Specify: --:--:-------:-------------------- 17. Installment or lease payments: 

17a. Car payments for Vehicle 1 

17b. Car payments for Vehicle 2 

16. $ 

17c. Other. Specify: 17c. 

17d. Other. Specify: 

17a. $ 

17b. $ 

$ 

$ ------------------------------------------- 17d. 

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 1 061). 

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

18. $ 

$ 

Specify: 19. 

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule 1: Your Income. 

16-13981 

100.00 

50.00 

117.00 

115.00 

400.00 

300.00 

50.00 

25.00 

25.00 

250.00 

0.00 

200.00 

87.00 

0.00 

150.00 

0.00 

0.00 

400.00 

0.00 

0.00 

0.00 

0.00 

0.00 

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: 21. ,+_:_$ ________ ___:0:::·~00::..., 

22. Calculate your monthly expenses 

22a. Add lines 4 through 21. 

22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 1 06J-2 

22c. Add line 22a and 22b. The result is your monthly expenses. 

23. Calculate your monthly net income. 

23a. Copy line 12 (your combined monthly income) from Schedule I. 

23b. Copy your monthly expenses from line 22c above. 

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

The result is your monthly net income. 

$ __________ ~3~,5~24~-~00~ 

$ 

$ ------------------ 3,524.00 

· 23a. $ ________ ---..!32:,7~1~3~.8:.!...7 

23b. ,.-$=-============3=,5=2=4-=00:::_, 

23c.l'-$ ___________ 1_8_9_.8_7 __ 

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. 

DYes. I Explain here: 

Official Form 1 06J Schedule J: Your Expenses page2 
Apple Federal Credit Union 

P.O. Box 1200 

Fairfax, VA 22038 

Wells Fargo Home Mortgage 

P.O. Box 14411 

Des Moines, IA 50306