UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA (RICHMOND DIVISION)

AMENDED CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Carla C Minor Case No: 16-34565-KRH

This plan, dated June 5, 2017 , is:

the first Chapter 13 plan filed in this case.

a modified Plan, which replaces the

confirmed or unconfirmed Plan dated 09/30/2016.

Date and Time of Modified Plan Confirming Hearing:

July 19, 2017 at 11:10 am

Place of Modified Plan Confirmation Hearing:

701 E Broad St., Richmond, VA 23219, Courtroom 5000

The Plan provisions modified by this filing are:

1, 3B, 4, 5A

Creditors affected by this modification are:

All

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: $285,996.00

Total Non-Priority Unsecured Debt: $253,763.26

Total Priority Debt: $2,395.54

Total Secured Debt: $320,903.69

Page 1of 6

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 1 of 16
1. Funding of Plan. The debtor(s) propose to pay the trustee the sum of $350.00 Monthly for 36 months, then $837.00

Monthly for 24 months. Other payments to the Trustee are as follows: NONE . The total amount to be paid into the

plan is $ 32,688.00 .

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 $ 4,100.00 balance due of the total fee of $ 5,100.00 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

Internal Revenue Service - VA Taxes and certain other debts 1,520.90 Prorata

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

-NONEB. 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

Credit Acceptance #1 2014 Toyota Camry SE 30,000 miles 11,500.00 18,457.05

Page 2of 6

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 2 of 16
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

-NONEAny 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**

Navy Federal Cr

Union

#18 Secured Credit Card 481.89 4.75% 26.38

19 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 2 %. 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

-NONEPage 3of 6

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 3 of 16
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

Ladysmith Village

Community As

18038 Clark and York Blvd

Ruther Glen, VA 22546

Caroline County

0.00 0.00 0% 0 months

Statebridge Company

LLC

#27 18038 Clark and York Blvd

Ruther Glen, VA 22546

Caroline County

1,400.00 8,594.58 0% Prorata Prorata

Statebridge Company

LLC

18038 Clark and York Blvd

Ruther Glen, VA 22546

Caroline County

0.00 9,471.02 0% Prorata Prorata

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

-NONEB. 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

-NONEPage 4of 6

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 4 of 16
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.

11. Other provisions of this plan:

Any unsecured proof of claim for a claim of deficiency that results from the surrender and liquidation of collateral

noted in Paragraph 3(B) of this plan must be filed by the earlier of the following or such claim shall be forever barred:

(1) within 90 days of the date of the first confirmation order confirming a plan providing for the surrender of said

collateral, or (2) within the time period for the filing of an unsecured deficiency claim as established by any Order

granting relief from the automatic stay with respect to said collateral. Said unsecured proof of claim for a deficiency

must include appropriate documentation establishing that the collateral surrendered has been liquidated, and the

proceeds applied, in accordance with applicable state law.

Page 5of 6

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 5 of 16
Signatures:

Dated: June 5, 2017

/s/ Carla C Minor /s/ Tommy Andrews, Jr. VA Bar #

Carla C Minor Tommy Andrews, Jr. VA Bar # 28544

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 June 6, 2017 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service

List.

/s/ Tommy Andrews, Jr. VA Bar #

Tommy Andrews, Jr. VA Bar # 28544

Signature

122 North Alfred Street

Alexandria, VA 22314

Address

703.838.9004

Telephone No.

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

Page 6of 6

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 6 of 16
Fill in this information to identify your case:

Debtor 1 Carla C Minor

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA (RICHMOND

DIVISION)

Case number 16-34565 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 teacher disabled

Employer's name Fredericksburg Public Schools

Employer's address PO Box 267

Fredericksburg, VA 22404

How long employed there? started in August, 2016

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. $ 4,029.34 $ 0.00

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

4. Calculate gross Income. Add line 2 + line 3. 4. $ 4,029.34 $ 0.00

Official Form 106I Schedule I: Your Income page 1

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 7 of 16
Debtor 1 Carla C Minor Case number (if known) 16-34565

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 4,029.34 $ 0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 437.18 $ 0.00

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. $ 869.56 $ 0.00

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

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

5h. Other deductions. Specify: 5h.+ $ 0.00 + $ 0.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 1,306.74 $ 0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 2,722.60 $ 0.00

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 $ 0.00

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

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: Long Term Disability payment 8h.+ $ 0.00 + $ 1,939.60

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 0.00 $ 1,939.60

10. Calculate monthly income. Add line 7 + line 9. 10. $ 2,722.60 + $ 1,939.60 = $ 4,662.20

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. $ 4,662.20

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 106I Schedule I: Your Income page 2

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 8 of 16
Fill in this information to identify your case:

Debtor 1 Carla C Minor Check if this is:

 An amended filing

Debtor 2  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

(RICHMOND DIVISION)

MM / DD / YYYY

Case number 16-34565

(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. Daughter 21

 No

 Yes

 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. $ 1,393.00

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. $ 100.00

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 106J Schedule J: Your Expenses page 1

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 9 of 16
Debtor 1 Carla C Minor Case number (if known) 16-34565

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 160.00

6b. Water, sewer, garbage collection 6b. $ 80.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 0.00

6d. Other. Specify: Cellphones 6d. $ 267.00

Cable/internet/telephone $ 196.00

7. Food and housekeeping supplies 7. $ 600.00

8. Childcare and children’s education costs 8. $ 0.00

9. Clothing, laundry, and dry cleaning 9. $ 72.00

10. Personal care products and services 10. $ 60.00

11. Medical and dental expenses 11. $ 100.00

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. $ 70.00

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. $ 89.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 108.00

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: Property taxes 16. $ 30.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $ 549.00

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. $ 0.00

21. Other: Specify: Pet expenses 21. +$ 38.00

Professional Development for Debtor +$ 100.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 4,312.00

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. $ 4,312.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 4,662.20

23b. Copy your monthly expenses from line 22c above. 23b. -$ 4,312.00

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

The result is your monthly net income. 23c. $ 350.20

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 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 10 of 16
}bk1{Credito AresMatix}bk{

ChexSystems

Attn: Consumer Relations

7805 Hudson Rd., Suite 100

Saint Paul, MN 55125

Equifax Check Services

PO Box 30272

Tampa, FL 33630-3272

Telecheck Services, Inc.

5251 Westheimer

Houston, TX 77056

TransUnion

P.O. Box 2000

Chester, PA 19022

Experian

475 Anton Blvd

Costa Mesa, CA 92626

Internal Revenue Service - VA

Centralized Insolvency

P.O. Box 7346

Philadelphia, PA 19101-7346

Early Warning Services

16552 N 90th St.

Scottsdale, AZ 85255

Virginia Deparment of Taxation

c/o TACS

PO Box 2156

Richmond, VA 23218

American Infosource

PO Box 248838

Oklahoma City, OK 73124-8872

Caine & Weiner

Po Box 5010

Woodland Hills, CA 91365

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 11 of 16
Capital One

Po Box 30285

Salt Lake City, UT 84130

Cardiology Assoc of Freder

9530 Cosner Drive

Suite 200

Fredericksburg, VA 22408

Caroline County Treasurer Offi

Po Box 431

Bowling Green, VA 22427

Colonial Internal Medicine

PO BOX 845

Fredericksburg, VA 22404

Comenity Bank/Ann Taylor

Po Box 182125

Columbus, OH 43218

Comenity Bank/Dressbarn

Po Box 182125

Columbus, OH 43218

Comenity Capital Bank/HSN

Po Box 182125

Columbus, OH 43218

COMMONWEALTH OF VA

DEPARTMENT OF TAXATION

P.O. BOX 1880

Richmond, VA 23218

Credit Acceptance

25505 West 12 Mile Rd

Suite 3000

Southfield, MI 48034

Dept Of Ed/Navient

Attn: Claims Dept

Po Box 9400

Wilkes Barr, PA 18773

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 12 of 16
FCBCS, Inc.

330 S. Warminster Rd. Ste 353

Hatboro, PA 19040

First National Collection Bu

610 Waltham Way

Sparks, NV 89434

Focused Recovery Solutions

9701-Metropolitan Ct

Ste B

Richmond, VA 23236

Fredericksburg Emer Med All.

PO Box 808

Grand Rapids, MI 49518

Fredericksburg Hospital Group

PO Box 824153

Philadelphia, PA 19182

Fredericksburg Orthopaedic Ass

3310 Fall Hill Ave

Fredericksburg, VA 22401

GM Financial

75 Remittance Dr

Ste 1738

Chicago, IL 60675

Hope International College

2500 East Nutwood Ave.

Fullerton, CA 92831

Kay Jewelers

375 Ghent Road

Akron, OH 44333

Ladysmith Village Community As

po box 11980

Newark, NJ 07101

Macys

9111 Duke Blvd

Mason, OH 45040-8999

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 13 of 16
Mary Wash Hlth care

2300 Fall Hill Ave

Ste 101

Fredericksburg, VA 22401

Medical Imaging of Fred'burg

PO Box 7606

Fredericksburg, VA 22404

Merrick Bank/Geico Card

Po Box 23356

Pittsburg, PA 15222

Monarch Recovery Management

10965 Decatur Rd.

Philadelphia, PA 19154

Nations Recovery Center Inc

PO BOX 48719

Atlanta, GA 30362

Nationwide Recovery Service

545 W Inman St

Cleveland, TN 37311

Natiowide Recovery Service

545 West Inman St

Cleveland, TN 37311

Natiowide Recovery Service

Po Box 8005

Cleveland, TN 37320

Navient

Attn: Claims Dept

Po Box 9500

Wilkes-Barr, PA 18773

Navy FCU

POB 3000

Merrifield, VA 22119

Navy Federal Cr Union

Po Box 3700

Merrifield, VA 22119

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 14 of 16
Parrish Snead Franklin Simpso

910 Princess Anne St

2nd Floor

Roanoke, VA 24040

Prince Wlm County Public Schoo

PO Box 389

Manassas, VA 20108

Quantum3 Group

agent for JH Portfolio

PO Box 788

Kirkland, WA 98083-0788

Regional Acceptance Co

304 Kellm Road

Virginia Beach, VA 23462

Santander Consumer Usa

Po Box 961245

Ft Worth, TX 76161

Spotsylvania Multi Specialty

POB 740776

Cincinnati, OH 45274

Statebridge Company LLC

5680 Greenwood Plaza Blvd.

Suite 100 S

Englewood, CO 80111

Stern & Eisenberg PC

9411 Philadelphia RD Suit M

Rosedale, MD 21237

Synchrony Bank/Amazon

Po Box 965064

Orlando, FL 32896

Tate&Kirlin Associates

2810 SouthHampton Rd

Philadelphia, PA 19154

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 15 of 16
Travelers Insurance

9954 Mayland Dr. Ste 6100

Henrico, VA 23233

United Consumers Inc

PO Box 4466

Woodbridge, VA 22194-4466

United Consumers, Inc

PO Box 4466

Woodbridge, VA 22194

Verizon

PO Box 17577

Baltimore, MD 21297-0513

Visa Dept Store National Bank

Attn: Bankruptcy

Po Box 8053

Mason, OH 45040

Vista Heart and Vascular PPLC

Po Box 3339

Fredericksburg, VA 22402

Case 16-34565-KRH Doc 36 Filed 06/06/17 Entered 06/06/17 11:22:27 Desc Main

 Document Page 16 of 16