B2400A/B ALT (Form 2400A/B ALT) (12/15) 3
16-30810-KLP / XXX4156 / 19475
the amount of each balance and the rate applicable to it are:

$= @ %;
$. @ %;
$ @ %,

c. Ifthe underlying debt transaction was disclosed as a variable rate transaction on the most
recent disclosure given under the Truth in Lending Act:

The interest rate on your loan may be a variable interest rate which changes from time to
time, so that the annual percentage rate disclosed here may be higher or lower.

d. Ifthe reaffirmed debt is secured by a security interest or lien, which has not been waived
or determined to be void by a final order of the court, the following items or types of items of the
debtor’s goods or property remain subject to such security interest or lien in connection with the debt
or debts being reaffirmed in the reaffirmation agreement described in Part B.

Item or Type of Item Original Purchase Price or Original Amount of Loan
11 BUICK LACROSSE VIN: $18,287.40
1G4GCS5EDOBF 200967

Optional --- At the election of the creditor, a repayment schedule using one or a combination of the
following may be provided:

Repayment Schedule:

Your first payment in the amount of $ is due on (date), but the future
payment amount may be different. Consult your reaffirmation agreement or credit agreement, as
applicable.

— Or—
Your payment schedule will be: (number) payments in the amount of $. each,
payable (monthly, annually, weekly, etc.) on the (day) of each (week, month, etc.),

unless altered later by mutual agreement in writing.
— Or—

A reasonably specific description of the debtor’s repayment obligations to the extent known by the
creditor or creditor’s representative.

One payment of $575.24 due on or before 3/16/2016, and

monthly installments in the amount of $514.50 (future payment amount under the
credit agreement may be different) commencing on 3/7/2016 and continuing on the
same day of each succeeding month with the remaining balance due on or before
8/7/2021.


=>

B2400A/B ALT (Form 2400A/B ALT) (12/15) 8
16-30810-KLP / XXX4156 / 19475
PART D: DEBTOR’S STATEMENT IN SUPPORT OF REAFFIRMATION AGREEMENT.

[Read and complete sections 1 and 2, OR, if the creditor is a Credit Union and the debtor is
represented by an attorney, read section 3. Sign the appropriate signature line(s) and date
your signature. If you complete sections 1 and 2 and your income less monthly expenses does
not leave enough to make the payments under this reaffirmation agreement, check the box at
the top of page | indicating “Presumption of Undue Hardship.” Otherwise, check the box at
the top of page 1 indicating “No Presumption of Undue Hardship”]

1. I believe this reaffirmation agreement will not impose an undue hardship on my
dependents or me. I can afford to make the payments on the reaffirmed debt because my monthly
income (take home pay plus any other income received) is $ 32327 and my actual current monthly
expenses including monthly payments on post-bankruptcy debt and other reaffirmation agreements
total $ 278S~ leaving $< 2§3.ue > to make the required payments on this reaffirmed debt.

I understand that if my income less my monthly expenses does not leave enough to make the
payments, this reaffirmation agreement is presumed to be an undue hardship on me and must be
reviewed by the court. However, this presumption may be overcome if] explain to the satisfaction of

the court how fford ike the payments here:
"WO dae veel il tld Pog haa Inghe, ued latral te raaige ce

7

hinge

(Use an additional page if needed for a full explanation.)

2. Ireceived a copy of the Reaffirmation Disclosure Statement in Part A and a completed
and signed reaffirmation agreement.

siened: —Hrotudav\ Carton,
(Debtor)

Aout (rb- Co
(ifint Deblor, ifany)

Date: SDG

—Or—
[If the creditor is a Credit Union and the debtor is represented by an attorney]
3. I believe this reaffirmation agreement is in my financial interest. I can afford to make

the payments on the reaffirmed debt. I received a copy of the Reaffirmation Disclosure Statement in
Part A and completed and signed reaffirmation agreement.

Signed:

(Debtor)

(Joint Debtor, if any)

Date:


B2400A/B ALT (Form 2400A/B ALT) (12/15) 5
16-30810-KLP / XXX4156 / 19475

YOUR RIGHT TO RESCIND (CANCEL) YOUR REAFFIRMATION AGREEMENT

You may rescind (cancel) your reaffirmation agreement at any time before the bankruptcy
court enters a discharge order, or before the expiration of the 60-day period that begins on the date
your reaffirmation agreement is filed with the court, whichever occurs later. To rescind (cancel) your
reaffirmation agreement, you must notify the creditor that your reaffirmation agreement is rescinded
(or canceled).

Frequently Asked Questions:

What are your obligations if you reaffirm the debt? A reaffirmed debt remains your personal
legal obligation. It is not discharged in your bankruptcy case. That means that if you default on your
reaffirmed debt after your bankruptcy case is over, your creditor may be able to take your property or
your wages. Otherwise, your obligations will be determined by the reaffirmation agreement which
may have changed the terms of the original agreement. For example, if you are reaffirming an open
end credit agreement, the creditor may be permitted by that agreement or applicable law to change the
terms of that agreement in the future under certain conditions.

Are you required to enter into a reaffirmation agreement by any law? No, you are not
required to reaffirm a debt by any law. Only agree to reaffirm a debt if it is in your best interest. Be
sure you can afford the payments you agree to make.

What if your creditor has a security interest or lien? Your bankruptcy discharge does not
eliminate any lien on your property. A “lien” is often referred to as a security interest, deed of trust,
mortgage or security deed. Even if you do not reaffirm and your personal liability on the debt is
discharged, because of the lien your creditor may still have the right to take the property securing the
lien if you do not pay the debt or default on it. If the lien is on an item of personal property that is
exempt under your State’s law or that the trustee has abandoned, you may be able to redeem the item
rather than reaffirm the debt. To redeem, you make a single payment to the creditor equal to the
amount of the allowed secured claim, as agreed by the parties or determined by the court.

NOTE: When this disclosure refers to what a creditor “may” do, it does not use the word
“may” to give the creditor specific permission. The word “may” is used to tell you what
might occur if the law permits the creditor to take the action. If you have questions about
your reaffirming a debt or what the law requires, consult with the attorney who helped you
negotiate this agreement reaffirming a debt. If you don’t have an attorney helping you, the
judge will explain the effect of your reaffirming a debt when the hearing on the reaffirmation
agreement is held.


B2400A/B ALT (Form 2400A/B ALT) (12/15) 4
16-30810-KLP / XXX4156 / 19475

2. INSTRUCTIONS AND NOTICE TO DEBTOR

Reaffirming a debt is a serious financial decision. The law requires you to take certain
steps to make sure the decision is in your best interest. If these steps are not completed, the
reaffirmation agreement is not effective, even though you have signed it.

1. Read the disclosures in this Part A carefully. Consider the decision to reaffirm carefully.
Then, if you want to reaffirm, sign the reaffirmation agreement in Part B.

2. Complete and sign Part D and be sure you can afford to make the payments you are
agreeing to make and have received a copy of the disclosure statement and a completed and signed
reaffirmation agreement.

3. If you are represented by an attorney during the negotiation of your reaffirmation
agreement, the attorney must have signed the certification in Part C.

4. Ifyou are not represented by an attorney during the negotiation of your reaffirmation
agreement, you must have completed and signed Part E.

5. The original of this disclosure must be filed with the court by you or your creditor. Ifa
separate reaffirmation agreement (other than the one in Part B) has been signed, it must be attached.

6. Ifthe creditor is not a Credit Union and you were represented by an attorney during the
negotiation of your reaffirmation agreement, your reaffirmation agreement becomes effective upon
filing with the court unless the reaffirmation is presumed to be an undue hardship as explained in Part
D. Ifthe creditor is a Credit Union and you were represented by an attorney during the negotiation of
your reaffirmation agreement, your reaffirmation agreement becomes effective upon filing with the
court.

7. Tf-you were not represented by an attorney during the negotiation of your reaffirmation
agreement, it will not be effective unless the court approves it. The court will notify you and the
creditor of the hearing on you reaffirmation agreement. You must attend this hearing in bankruptcy
court where the judge will review your reaffirmation agreement. The bankruptcy court must approve
your reaffirmation agreement as consistent with your best interests, except that no court approval is
required if your reaffirmation agreement is for a consumer debt secured by a mortgage, deed of trust,
security deed, or other lien on your real property, like your home.


B2400A/B ALT (Form 2400A/B ALT) (12/15) 7
16-30810-KLP / XXX4156 / 19475

PART C: CERTIFICATION BY DEBTOR’S ATTORNEY (IF ANY).

[To be filed only if the attorney represented the debtor during the course of negotiating this
agreement.]

Thereby certify that (1) this agreement represents a fully informed and voluntary agreement
by the debtor; (2) this agreement does not impose an undue hardship on the debtor or any dependent
of the debtor; and (3) I have fully advised the debtor of the legal effect and consequences of this
agreement and any default under this agreement.

WT Check box, If applicable and the creditor is not a Credit Union.] A presumption of

undue hardship has been established with respect to this agreement. Ia-say-epinton, towever;the-
debteris-able-to-makethetequired-payment- 2S

Printed Name of Debtor’s Attorney: [Ex K. Sheas
Signature of Debtor’s Attorney:

Date: _3//7/ 2 oIfs



Fill in this information to identify your case:

Debtor 1 Kawaan Lavar Carter
First Name Middle Name Last Name.

Debtor 2 Jocelyn Shantel Coleman-carter
(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN District of Virainia

Case number 16-30810-KLP_
(If known)

Official Form 427
Cover Sheet for Reaffirmation Agreement 12115

Anyone who is a party to a reaffirmation agreement may fill out and file this form. Fill it out completely, attach it to the reaffirmation agreement,
and file the documents within the time set under Bankruptcy Rule 4008.

ee

in the Repayment Terms of the Reaffirmation Agreement

1.Who is the creditor? Santander Consumer USA Inc.
Name of the creditor

2.How much is the debt?

On the date that the bankruptcy case is filed $18,613.96
To be paid under the reaffirmation agreement $18,613.96
: per month for * months (if fixed interest rate)

*One payment of $575.24 due on or before 3/16/2016, and monthly installments in the amount of $514.50 (future
payment amount under the credit agreement may be different) commencing on 3/7/2016 and continuing on the same
day of each succeeding month with the remaining balance due on or before 8/7/2021

3.What is the Annual Before the bankruptcy case was filed 26.44%

Percentage Rate (APR)
of interest? (See Under the reaffirmation agreement 26.44% [x] Fixed rate
Bankruptcy Code {] Adjustable rate
$524(k)(3)(E).)
4,Does collateral secure | ) No
the debt?
(J Yes. Describe the collateral. 11 BUICK LACROSS! F: 7
Current market value $13,725.00
5.Does the creditor [x] No
assert that the debt is
nondischargeable? [ ] Yes. Attach an explanation of the nature of the debt and the basis for contending that the debt is nondischargeable.
6.Using information from income and expenses reported on Schedules I and J Income and expenses stated on the reaffirmation agreement
Schedule |: Your
Income (Official Form 6a. Combined monthly income from 5 ~ | 68.Monthly income from all sources *
1061) and Schedule J: line 12 of Schedule t 832527 | oe payroll deductions s22Pe"
Your Expenses (Official _ _
Form 106J), fill in the 6b; Monthly expenses fromline 22008 — ¢ IFES 6 Monthly expenses — 5 3985
amounts. 'chedule ST
66, Monthly payments on all — 5-O- ‘8g. Monthly payments on all -3-o-
reaffirmed debts not listed on $— &* _| “reaffirmed debts not included in
Schedule J monthly expenses
6d. “Scheduled net monthly income >> GtiPresent net monthly income o
Subtract line 6b and 6c from 6a. OSL ‘Subtract lines 6f and 6g from 6e. CASS. 02
If the total is less than 0, put the If the total is less than O, put the
number in brackets. number in brackets.

Official Form 427 Cover Sheet for Reaffirmation Agreement page 1


B2400A/B ALT (Form 2400A/B ALT) (12/15) 6
16-30810-KLP / XXX4156 / 19475

PART B: REAFFIRMATION AGREEMENT.
I (we) agree to reaffirm the debts arising under the credit agreement described below.
1. Brief description of the credit agreement: Contract dated 07/24/2015

2. Description of any changes to the credit agreement made as part of this reaffirmation agreement: See Part A: Disclosure Statement
for reaffirmed amount, interest rate and payment terms. Unless otherwise changed in this reaffirmation agreement, I (we)
reaffirm all other terms and conditions of the credit agreement. Any changes to the credit agreement contained in this
reaffirmation agreement will not be effective if this reaffirmation agreement is not enforceable after the expiration of the rescission
period. Debtor(s) represent that neither they, their attorneys, nor agents made any changes to the reaffirmation amount, interest
rate or repayment terms set forth in the original reaffirmation agreement proposed by Creditor. The parties agree that any
changes made by Debtor(s), their attorneys or agents to the original agreement sent by Creditor shall not be enforceable unless the
Creditor places initials next to any proposed change in the reaffirmation amount, interest rate or repayment terms. In the event
such changes are made without Creditor's initials, the reaffirmation agreement shall be voidable by the Creditor at any time,
notwithstanding the fact that it may have been signed and filed with the Bankruptcy Court.

Until invoicing is re-started, payments should be mailed to creditor at the following address:
Santander Consumer USA Inc.
P.O. Box 660633
Dallas, TX 75266
TO BE EFFECTIVE, ANY NOTICE OF RESCISSION MUST BE MAILED TO THE
FOLLOWING ADDRESS:
Santander Consumer USA Inc.
c/o Stewart, Zlimen & Jungers, Ltd.
2277 Highway 36 West, Suite 100
Roseville, MN 55113

SIGNATURE(S):
Borrower: Accepted by creditor:
Santander Consumer USA Inc.
Koa sae Corte
(Print Name) (Printed Name of Creditor)
c/o Stewart, Zlimen & Jungers, Ltd.
2277 Highway 36 West, Suite 100
Yawoom Contin Roseville, MN_55113
(Signature) (Addr “regitor)
Co-borrower, if also reaffirming these debts: (Signature) v
Bradley J. Halberstadt, Attorngy in Fact
Jocelyn Coleman - Carte Brad D. Welp, Attomey in Faét
(Print Name) (Printed Name and Title of Individual Signing for

Creditor)

dated Ct-- C—
Gignatur | Date of creditor acceptance:
Date: 3) Vit ly March 1, 2016



B2400A/B ALT (Form 2400A/B ALT) (12/15) 2
16-30810-KLP / XXX4156 / 19475

ANNUAL PERCENTAGE RATE
[The annual percentage rate can be disclosed in different ways, depending on the type of debt.]

a. If the debt is an extension of “credit” under an “open end credit plan,” as those terms are
defined in §103 of the Truth in Lending Act, such as a credit card, the creditor may disclose the
annual percentage rate shown in (i) below or, to the extent this rate is not readily available or not
applicable, the simple interest rate shown in (ii) below, or both.

(i) The Annual Percentage Rate disclosed, or that would have been disclosed to the debtor in
the most recent periodic statement prior to entering into the reaffirmation agreement
described in Part B below or, if no such periodic statement was given to the debtor during the
prior six months, the annual percentage rate as it would have been so disclosed at the time of
the disclosure statement: %.

— And/Or —

(ii) The simple interest rate applicable to the amount reaffirmed as of the date this disclosure
statement is given to the debtor: %. If different simple interest rates apply to different
balances included in the amount reaffirmed, the amount of each balance and the rate
applicable to it are:

$. @ %;
$s OC @_;
$, @ %.

b. Ifthe debt is an extension of credit other than under an open end credit plan, the creditor
may disclose the annual percentage rate shown in (i) below or, to the extent this rate is not readily
available or not applicable, the simple interest rate shown in (ii) below, or both.

(i) The Annual Percentage Rate under §128(a)(4) of the Truth in Lending Act, as disclosed
to the debtor in the most recent disclosure statement given to the debtor prior to entering into
the reaffirmation agreement with respect to the debt or, if no such disclosure statement was
given to the debtor, the annual percentage rate as it would have been so disclosed: 26.44%.

— And/Or —
(ii) The simple interest rate applicable to the amount reaffirmed as of the date this disclosure

statement is given to the debtor: %. If different simple interest rates apply to different
balances included in the amount reaffirmed,


B2400A/B ALT (Form 2400A/B ALT) (12/15) ~ch-Presumption of Undue Hardship

O No Presumption of Undue Hardship
(Check box as directed in Part D: Debtor’s Statement
in Support of Reaffirmation Agreement.)

UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT OF VIRGINIA

In re: Case No. 16-30810-KLP

Kawaan Lavar Carter and Jocelyn Shantel Chapter 7
Coleman-carter,

Debtor(s)

REAFFIRMATION AGREEMENT

[Indicate all documents included in this filing by checking each applicable box.]

va Part A: Disclosures, Instructions, and Part D: Debtor’s Statement in Support of
Notice to Debtor (Pages 1 — 5) Reaffirmation Agreement
art B: Reaffirmation Agreement O Part E: Motion for Court Approval

Part C: Certification by Debtor’s Attorney

[Note: Complete Part E only if debtor was not represented by an attorney during
the course of negotiating this agreement. Note also: If you complete Part E, you must
prepare and file Form 240C ALT - Order on Reaffirmation Agreement. J

Name of Creditor: Santander Consumer USA Inc.

O [Check this box if] Creditor is a Credit Union as defined in §19(b)(1)(a)Gv) of the
Federal Reserve Act

PART A: DISCLOSURE STATEMENT, INSTRUCTIONS AND NOTICE TO DEBTOR
1. DISCLOSURE STATEMENT
Before Agreeing to Reaffirm a Debt, Review These Important Disclosures:

SUMMARY OF REAFFIRMATION AGREEMENT
This Summary is made pursuant to the requirements of the Bankruptcy Code.

DATE OF DISCLOSURE STATEMENT: 02/24/2016

AMOUNT REAFFIRMED

The amount of debt you have agreed to reaffirm: $18,613.96

The amount of debt you have agreed to reaffirm includes all fees and costs (if any) that have
accrued as of the date of this disclosure. Your credit agreement may obligate you to pay additional amounts
which may come due after the date of this disclosure. Consult your credit agreement.


Debtor 1 Kawaan Lavar Carter

Case number (if known) 16-30810-KLP.

First Name.

Middle Name

Last Name

'7.Are the income amounts
on lines 6a and 6e
different?

[No
[T'¥es. Explain why they are different and complete line 10

8.Are the expense
amounts on lines 6b
and 6f different?

[1No
[1¥es. Explain why they are different and complete line 10

9.1s the net monthly
income in line 6h less
than 0?

LIN
[d¥es. A presumption of hardship arises (unless the creditor is a credit union).

Explain how the debtor will make monthly payments on the reaffirmed debt and pay other living expenses.
Complete line 10.

Vthaw boul Min LAG llirrf. oaliythy edb Clterad
te wena tien esas, beflae Vlog CoQ catnetOllig

0. Debtor's certification
about lines 7-9
if any answer on lines 7-9 is
Yes, the debtor must sign
here.
{fall the answers on lines 7-9
are No, go to line 11.

| certify that each explanation on lines 7-9 are true and correct.

x Yowron Cater

Signature of Debtor 1

x Aowts) Gt (—

Signature’ot Debtor 2 (Spoiise only in a joint case)

-Did an attorney represent
the debtor in negotiating
the reaffirmation
agreement?

[No

[a¥es. Has the attorney executed a declaration or an affidavit to support the reaffirmation agreement?

pre,
we See aaa 4

Whoever fills out this form
must sign here.

| certify that the attached agreement is a true and correct copy of the reaffirmation agreement between the

parties identified on this Cover Sheet for Reaffirmation Agreement.
x?
x CPBZLALEE ve 2. Le
MM/DD/

Signature

Bradley J. Halberstadt, Attorney in Fact
Brad D. Welp, Attorney in Fact
Printed Name

Check one:
[ ] Debtor or Debtor's Attorney

[Xd Creditor or Creditor’s Attorney

Official Form 427

Cover Sheet for Reaffirmation Agreement page 2