United States Bankruptcy Court

Eastern District of Virginia

In re Van Donald Miller Case No. 15-35965

Debtor(s) Chapter 7

 AMENDMENT COVER SHEET

Amendment(s) to the following petition, list(s), schedule(s) or statement(s) are transmitted herewith:

Involuntary/Voluntary Petition [Specify reason for amendment: ]

Check if applicable: Soc. Sec. No. amended. [If applicable: An original, signed Official Form 121 was

mailed/hand-delivered to the Clerk's office on .*]

Summary of Your Assets and Liabilities (and Certain Statistical Information - Individuals Only)

Declaration (Individuals - Form 106Dec) (Non-Individuals - Form 202)

Schedule A/B - Property

Schedule C - The Property You Claim as Exempt

Schedule D – Creditors Who Hold Claims Secured by Property (See LBR 1009-1)

Schedule E/F Creditors Who Have Unsecured Claims (See LBR 1009-1)

($30.00 fee required if adding or deleting pre-petition creditors, changing amounts owed or classification of

debt.) Check applicable statement(s):

Creditor(s) added Creditor(s) deleted

Change in amounts owed or classification of debt

No pre-petition creditors added/deleted, or amounts owed or classification of debt changed. [Docket:

Amended Schedule(s) and/or Statement(s), List(s)-NO FEE)

Post-petition creditors added (Schedule of Unpaid Debts)

REMINDER: Conversion of Chapter 13 to Chapter 7 - only file Schedule of Unpaid Debts.

Schedule G- Executory Contracts and Unexpired Leases

Schedule H - Codebtors

Schedule I - Your Income

Schedule J - Your Expenses

[NOTE: The form “NOTICE TO CREDITOR(S) (RE AMENDMENT)” is still required when adding or deleting creditors.

*Amendment of debtor(s) Social Security Number requires this cover sheet together with a completed Official Form 121 -

Statement About Your Social Security Numbers be electronically filed or submitted to the Clerk's Office for 'restricted" entry

of the amended Social Security Number into the case record. ]

Statement of Financial Affairs

Statement of Intention for Individuals Filing Under Chapter 7

Chapter 11 List of Equity Security Holders

Chapter 11: The List of Creditors Who Have the 20 Largest Unsecured Claims Against You Who Are Not Insiders

Attorney’s Disclosure of Compensation

Other:

NOTICE OF AMENDMENT(S) TO AFFECTED PARTIES

Pursuant to Federal Rule of Bankruptcy Procedure 1009(a) and Local Rule 1009-1, I certify that notice of the filing of the

amendment(s) checked above has been given this date to the United States Trustee, the trustee in this case, and to any and all entities

affected by the amendment as follows: Mariner Finance.

Date: January 7, 2016

/s/ Pamela Trachtman-Allen

Pamela Trachtman-Allen

Attorney for Debtor(s) [or Pro Se Debtor(s)]

State Bar No.: 83114

Mailing Address: The Merna Law Group, P.C.

3419 Virginia Beach Blvd., #236

Virginia Beach, VA 23452

Telephone No.: (757)340-4895

[amendcs ver. 12/15]

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Case 15-35965-KLP Doc 18 Filed 01/07/16 Entered 01/07/16 16:50:47 Desc Main

 Document Page 1 of 20
Fill in this information to identify your case and this filing:

Debtor 1 Van Donald Miller

First Name Middle Name Last Name

Debtor 2

(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 15-35965  Check if this is an

amended filing

Official Form 106A/B

Schedule A/B: Property 12/15

In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the category where you think

it fits best. 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 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 Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In

1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?

 No. Go to Part 2.

 Yes. Where is the property?

Part 2: Describe Your Vehicles

Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles you own that

someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases.

3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles

 No

 Yes

3.1 Make: Buick Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: Encore  Debtor 1 only Creditors Who Have Claims Secured by Property.

Year: 2013  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 10,500  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Vehicle: 2013 Buick Encore

Mileage: 10,500

Condition: Good

Value: Based on NADA Clean

Retail less $1000 for normal

wear and tear

 Check if this is community property $18,225.00 $18,225.00

 (see instructions)

Official Form 106A/B Schedule A/B: Property page 1

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Debtor 1 Van Donald Miller Case number (if known) 15-35965

3.2 Make: Dodge Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: Journey  Debtor 1 only Creditors Who Have Claims Secured by Property.

Year: 2009  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 90,000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Vehicle: 2009 Dodge Journey

Mileage: 90,000

Condition: Good

Value: Based on NADA clean

retail less $1000 for normal

wear and tear.

Vehicle was repossessed in

November but has not been

liquidated at the time of filing.

Debtor is surrendering his

interest.

 Check if this is community property $8,625.00 $8,625.00

 (see instructions)

3.3 Make: Lincoln Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: Towncar  Creditors Who Have Claims Secured by Property.

 Debtor 1 only

Year: 1996  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 155,000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Vehicle: 1996 Lincoln Towncar

Mileage: 155,000

Condition: Good

Value: Based on NADA clean

retail less $1000 for normal

wear and tear

 Check if this is community property $2,850.00 $2,850.00

 (see instructions)

3.4 Make: BMW Who has an interest in the property? Check one Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Model: 3 Series  Debtor 1 only Creditors Who Have Claims Secured by Property.

Year: 2007  Debtor 2 only Current value of the

entire property?

Current value of the

Approximate mileage: 140,000  Debtor 1 and Debtor 2 only portion you own?

Other information:  At least one of the debtors and another

Condition: Fair

Value based off of NADA clean

retail price, minus $1,000.00 for

normal wear and tear

 Check if this is community property $9,475.00 $4,737.50

 (see instructions)

4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories

Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories

 No

 Yes

5

.

Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for

pages you have attached for Part 2. Write that number here.............................................................................=> $34,437.50

Part 3: Describe Your Personal and Household Items

Do you own or have any legal or equitable interest in any of the following items? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

6. Household goods and furnishings

Examples: Major appliances, furniture, linens, china, kitchenware

 No

 Yes. Describe.....

Official Form 106A/B Schedule A/B: Property page 2

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Debtor 1 Van Donald Miller Case number (if known) 15-35965

Household goods, furnishings and other items located at debtor's

residence.

Value listed is based on debtor's estimate of replacement value of

the property.

2 Chairs $50, 1 Sofa $150, 1 Coffee Table $75, 2 Bed $1000, 1

Chest of Drawers $100, 1 Buffet $150, 1 Radio $200, 3 TV $800, 1

Phone $25, 1 Fan $30, 1 Vacuum $90, 1 Refrigerator $500, 1

Microwave $40, 3 Lamps $200, 15 Dishes $100, 5 Pots and Pans

$150, 7 Collectibles $700, 2 Pictures $100, $4,460.00

7. Electronics

Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music collections; electronic devices

including cell phones, cameras, media players, games

 No

 Yes. Describe.....

8. Collectibles of value

Examples: Antiques and figurines; paintings, prints, or other artwork; books, pictures, or other art objects; stamp, coin, or baseball card collections;

other collections, memorabilia, collectibles

 No

 Yes. Describe.....

9. Equipment for sports and hobbies

Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes and kayaks; carpentry tools;

musical instruments

 No

 Yes. Describe.....

10. Firearms

Examples: Pistols, rifles, shotguns, ammunition, and related equipment

 No

 Yes. Describe.....

11. Clothes

Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories

 No

 Yes. Describe.....

Wearing apparel located at debtor's residence. Value listed is

based on debtor's estimate of replacement value of the property. $500.00

12. Jewelry

Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver

 No

 Yes. Describe.....

Wedding band/engagement ring located at debtor's residence.

Value listed is based on debtor's estimate of replacement value of

the property. $1.00

13. Non-farm animals

Examples: Dogs, cats, birds, horses

 No

 Yes. Describe.....

14. Any other personal and household items you did not already list, including any health aids you did not list

 No

 Yes. Give specific information.....

15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached

for Part 3. Write that number here .............................................................................. $4,961.00

Official Form 106A/B Schedule A/B: Property page 3

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Case 15-35965-KLP Doc 18 Filed 01/07/16 Entered 01/07/16 16:50:47 Desc Main

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Debtor 1 Van Donald Miller Case number (if known) 15-35965

Part 4: Describe Your Financial Assets

Do you own or have any legal or equitable interest in any of the following? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

16. Cash

Examples: Money you have in your wallet, in your home, in a safe deposit box, and on hand when you file your petition

 No

 Yes................................................................................................................

Cash on hand $1.00

17. Deposits of money

Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses, and other similar

institutions. If you have multiple accounts with the same institution, list each.

 No

 Yes........................ Institution name:

17.1.

Checking account *9451 with Wells Fargo

Bank $5.00

17.2.

Savings account *2377 with Wells Fargo

Bank $5.00

17.3.

Savings account *5417 with Wells Fargo

Bank $5.00

17.4.

Checking account *S8 with Henrico Federal

Credit Union $5.00

17.5.

Savings account *S1 with Henrico Federal

Credit Union $5.00

17.6.

Flower Credit Union

Checking & Savings Accounts $5.00

18. Bonds, mutual funds, or publicly traded stocks

Examples: Bond funds, investment accounts with brokerage firms, money market accounts

 No

 Yes.................. Institution or issuer name:

19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership,

and joint venture

 No

 Yes. Give specific information about them...................

Name of entity: % of ownership:

20. Government and corporate bonds and other negotiable and non-negotiable instruments

Negotiable instruments include personal checks, cashiers’ checks, promissory notes, and money orders.

Non-negotiable instruments are those you cannot transfer to someone by signing or delivering them.

 No

 Yes. Give specific information about them

Issuer name:

21. Retirement or pension accounts

Examples: Interests in IRA, ERISA, Keogh, 401(k), 403(b), thrift savings accounts, or other pension or profit-sharing plans

 No

 Yes. List each account separately.

Type of account: Institution name:

Official Form 106A/B Schedule A/B: Property page 4

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Debtor 1 Van Donald Miller Case number (if known) 15-35965

Retirement plan

Flowers Foods, Inc. 401k $11,628.00

22. Security deposits and prepayments

Your share of all unused deposits you have made so that you may continue service or use from a company

Examples: Agreements with landlords, prepaid rent, public utilities (electric, gas, water), telecommunications companies, or others

 No

 Yes. ..................... Institution name or individual:

Security deposit held by utility company,

landlord, etc.

$1.00

23. Annuities (A contract for a periodic payment of money to you, either for life or for a number of years)

 No

 Yes............. Issuer name and description.

24. Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program.

26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1).

 No

 Yes............. Institution name and description. Separately file the records of any interests.11 U.S.C. § 521(c):

25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your benefit

 No

 Yes. Give specific information about them...

Contingent inheritance $1.00

26. Patents, copyrights, trademarks, trade secrets, and other intellectual property

Examples: Internet domain names, websites, proceeds from royalties and licensing agreements

 No

 Yes. Give specific information about them...

27. Licenses, franchises, and other general intangibles

Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses

 No

 Yes. Give specific information about them...

Money or property owed to you? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

28. Tax refunds owed to you

 No

 Yes. Give specific information about them, including whether you already filed the returns and the tax years.......

Anticipated refund from debtor's 2015

federal income tax return, estimated

pro rata. $2,838.00

Anticipated refund from debtor's 2015

state income tax return, estimated pro

rata. $1,240.00

29. Family support

Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement

 No

 Yes. Give specific information......

Official Form 106A/B Schedule A/B: Property page 5

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Debtor 1 Van Donald Miller Case number (if known) 15-35965

30. Other amounts someone owes you

Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation, Social Security

benefits; unpaid loans you made to someone else

 No

 Yes. Give specific information..

31. Interests in insurance policies

Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance

 No

 Yes. Name the insurance company of each policy and list its value.

Company name: Beneficiary: Surrender or refund

value:

Term life insurance policy. No cash

surrender value. $1.00

32. Any interest in property that is due you from someone who has died

If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive property because

someone has died.

 No

 Yes. Give specific information..

33. Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment

Examples: Accidents, employment disputes, insurance claims, or rights to sue

 No

 Yes. Describe each claim.........

Future wages $1.00

34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights to set off claims

 No

 Yes. Describe each claim.........

35. Any financial assets you did not already list

 No

 Yes. Give specific information..

36. Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached

for Part 4. Write that number here..................................................................................................................... $15,741.00

Part 5: Describe Any Business-Related Property You Own or Have an Interest In. List any real estate in Part 1.

37. Do you own or have any legal or equitable interest in any business-related property?

 No. Go to Part 6.

 Yes. Go to line 38.

Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

38. Accounts receivable or commissions you already earned

 No

 Yes. Describe.....

39. Office equipment, furnishings, and supplies

Examples: Business-related computers, software, modems, printers, copiers, fax machines, rugs, telephones, desks, chairs, electronic devices

 No

 Yes. Describe.....

Official Form 106A/B Schedule A/B: Property page 6

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Debtor 1 Van Donald Miller Case number (if known) 15-35965

Debtor is sole propreitor of Van Miller's Janitorial Service. He has

a single client that generates an average gross revenue of $300

per month.

The business has no value besides the equipment which includes

two buckets, 2 mops, 1 stripping buffer, vaccume cleaner, and

other small tools and cleaning supplies. $200.00

40. Machinery, fixtures, equipment, supplies you use in business, and tools of your trade

 No

 Yes. Describe.....

41. Inventory

 No

 Yes. Describe.....

42. Interests in partnerships or joint ventures

 No

 Yes. Give specific information about them...................

Name of entity: % of ownership:

43. Customer lists, mailing lists, or other compilations

 No.

 Do your lists include personally identifiable information (as defined in 11 U.S.C. § 101(41A))?

 No

 Yes. Describe.....

44. Any business-related property you did not already list

 No

 Yes. Give specific information.........

45. Add the dollar value of all of your entries from Part 5, including any entries for pages you have attached

for Part 5. Write that number here..................................................................................................................... $200.00

Part 6: Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In.

If you own or have an interest in farmland, list it in Part 1.

46. Do you own or have any legal or equitable interest in any farm- or commercial fishing-related property?

 No. Go to Part 7.

 Yes. Go to line 47.

Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above

53. Do you have other property of any kind you did not already list?

Examples: Season tickets, country club membership

 No

 Yes. Give specific information.........

54. Add the dollar value of all of your entries from Part 7. Write that number here .................................... $0.00

Official Form 106A/B Schedule A/B: Property page 7

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Debtor 1 Van Donald Miller Case number (if known) 15-35965

Part 8: List the Totals of Each Part of this Form

55. Part 1: Total real estate, line 2 ...................................................................................................................... $0.00

56. Part 2: Total vehicles, line 5 $34,437.50

57. Part 3: Total personal and household items, line 15 $4,961.00

58. Part 4: Total financial assets, line 36 $15,741.00

59. Part 5: Total business-related property, line 45 $200.00

60. Part 6: Total farm- and fishing-related property, line 52 $0.00

61. Part 7: Total other property not listed, line 54 + $0.00

62. Total personal property. Add lines 56 through 61... $55,339.50 Copy personal property total $55,339.50

63. Total of all property on Schedule A/B. Add line 55 + line 62 $55,339.50

Official Form 106A/B Schedule A/B: Property page 8

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 Document Page 9 of 20
Fill in this information to identify your case:

Debtor 1 Van Donald Miller

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 15-35965

(if known)  Check if this is an

amended filing

Official Form 106C

Schedule C: The Property You Claim as Exempt 12/15

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

the property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is

needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name

and case number (if known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a

specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of

any applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement

funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that limits the

exemption to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption would be limited

to the applicable statutory amount.

Part 1: Identify the Property You Claim as Exempt

1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you.

 You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)

 You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below.

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

2013 Buick Encore 10,500 miles

Vehicle: 2013 Buick Encore

Mileage: 10,500

Condition: Good

Value: Based on NADA Clean Retail

less $1000 for normal wear and tear

Line from Schedule A/B: 3.1

$18,225.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

2009 Dodge Journey 90,000 miles

Vehicle: 2009 Dodge Journey

Mileage: 90,000

Condition: Good

Value: Based on NADA clean retail

less $1000 for normal wear and tear.

Vehicle was repossessed in

November but has not been

liquidated at the time of filing.

Line from Schedule A/B: 3.2

$8,625.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 4

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Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

1996 Lincoln Towncar 155,000 miles

Vehicle: 1996 Lincoln Towncar

Mileage: 155,000

Condition: Good

Value: Based on NADA clean retail

less $1000 for normal wear and tear

Line from Schedule A/B: 3.3

$2,850.00  $2,850.00 Va. Code Ann. § 34-26(8)

 100% of fair market value, up to

any applicable statutory limit

1996 Lincoln Towncar 155,000 miles

Vehicle: 1996 Lincoln Towncar

Mileage: 155,000

Condition: Good

Value: Based on NADA clean retail

less $1000 for normal wear and tear

Line from Schedule A/B: 3.3

$2,850.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

2007 BMW 3 Series 140,000 miles

Condition: Fair

Value based off of NADA clean retail

price, minus $1,000.00 for normal

wear and tear

Line from Schedule A/B: 3.4

$4,737.50  $1,079.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Household goods, furnishings and

other items located at debtor's

residence.

Value listed is based on debtor's

estimate of replacement value of the

property.

2 Chairs $50, 1 Sofa $150, 1 Coffee

Table $75, 2 Bed $1000, 1 Chest of

Drawers $100, 1 Buffet $

Line from Schedule A/B: 6.1

$4,460.00  $4,460.00 Va. Code Ann. § 34-26(4a)

 100% of fair market value, up to

any applicable statutory limit

Wearing apparel located at debtor's

residence. Value listed is based on

debtor's estimate of replacement

value of the property.

Line from Schedule A/B: 11.1

$500.00  $500.00 Va. Code Ann. § 34-26(4)

 100% of fair market value, up to

any applicable statutory limit

Wedding band/engagement ring

located at debtor's residence. Value

listed is based on debtor's estimate

of replacement value of the property.

Line from Schedule A/B: 12.1

$1.00  $1.00 Va. Code Ann. § 34-26(1a)

 100% of fair market value, up to

any applicable statutory limit

Cash on hand

Line from Schedule A/B: 16.1

$1.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Checking account *9451 with Wells

Fargo Bank

Line from Schedule A/B: 17.1

$5.00  $5.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 2 of 4

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Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Savings account *2377 with Wells

Fargo Bank

Line from Schedule A/B: 17.2

$5.00  $5.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Savings account *5417 with Wells

Fargo Bank

Line from Schedule A/B: 17.3

$5.00  $5.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Checking account *S8 with Henrico

Federal Credit Union

Line from Schedule A/B: 17.4

$5.00  $5.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Savings account *S1 with Henrico

Federal Credit Union

Line from Schedule A/B: 17.5

$5.00  $5.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Flower Credit Union

Checking & Savings Accounts

Line from Schedule A/B: 17.6

$5.00  $5.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Retirement plan

Flowers Foods, Inc. 401k

Line from Schedule A/B: 21.1

$11,628.00  $11,628.00 Va. Code Ann. § 34-34

 100% of fair market value, up to

any applicable statutory limit

Security deposit held by utility

company, landlord, etc.

Line from Schedule A/B: 22.1

$1.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Contingent inheritance

Line from Schedule A/B: 25.1

$1.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Anticipated refund from debtor's

2015 federal income tax return,

estimated pro rata.

Line from Schedule A/B: 28.1

$2,838.00  $2,692.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Anticipated refund from debtor's

2015 state income tax return,

estimated pro rata.

Line from Schedule A/B: 28.2

$1,240.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Term life insurance policy. No cash

surrender value.

Line from Schedule A/B: 31.1

$1.00  $1.00 Va. Code Ann. §§ 38.2-3122,

38.2-3123

 100% of fair market value, up to

any applicable statutory limit

Future wages

Line from Schedule A/B: 33.1

$1.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 3 of 4

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Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Debtor is sole propreitor of Van

Miller's Janitorial Service. He has a

single client that generates an

average gross revenue of $300 per

month.

The business has no value besides

the equipment which includes two

buckets, 2 mops, 1 stripping buffer,

va

Line from Schedule A/B: 39.1

$200.00  $200.00 Va. Code Ann. § 34-26(7)

 100% of fair market value, up to

any applicable statutory limit

3. Are you claiming a homestead exemption of more than $155,675?

(Subject to adjustment on 4/01/16 and every 3 years after that for cases filed on or after the date of adjustment.)

 No

 Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?

 No

 Yes

Official Form 106C Schedule C: The Property You Claim as Exempt page 4 of 4

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Fill in this information to identify your case:

Debtor 1 Van Donald Miller

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 15-35965

(if known)  Check if this is an

amended filing

Official Form 106D

Schedule D: Creditors Who Have Claims Secured by Property 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, copy the Additional Page, fill it out, number the entries, and attach it to this form. On the top of any additional pages, write your name and case number (if

known).

1. Do any creditors have claims secured by your property?

 No. Check this box and submit this form to the court with your other schedules. You have nothing else to report on this form.

 Yes. Fill in all of the information below.

Part 1: List All Secured Claims

2. List all secured claims. If a creditor has more than one secured claim, list the creditor separately for

each claim. If more than one creditor has a particular claim, list the other creditors in Part 2. As much

as possible, list the claims in alphabetical order according to the creditor’s name.

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports this

claim

Column C

Unsecured

portion

If any

2.1 Ally Financial* Describe the property that secures the claim: $28,083.00 $18,225.00 $9,858.00

Creditor's Name 2013 Buick Encore 10,500 miles

Vehicle: 2013 Buick Encore

Mileage: 10,500

Condition: Good

Value: Based on NADA Clean Retail

less $1000 for normal wear and tear CT Corporation Sys, Reg.

Agent

4701 Cox Road, Ste. 301

Glen Allen, VA 23060

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Automobile Loan

Date debt was incurred 05/2014 Last 4 digits of account number 2124

2.2 Exeter Finance Corp* Describe the property that secures the claim: $12,000.00 $8,625.00 $3,375.00

Creditor's Name 2009 Dodge Journey 90,000 miles

Vehicle: 2009 Dodge Journey

Mileage: 90,000

Condition: Good

Value: Based on NADA clean retail

less $1000 for normal wear and tear.

Vehicle was repossessed in

November but has not been

liquidated at the

Corporation Service

Company

1111 E. Main St., 16th

Floor

Richmond, VA 23219

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Official Form 106D Schedule D: Creditors Who Have Claims Secured by Property page 1 of 2

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Debtor 1 Van Donald Miller Case number (if know) 15-35965

First Name Middle Name Last Name

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Automobile Loan

Date debt was incurred 2014 Last 4 digits of account number 3305

2.3 Mariner Finance Describe the property that secures the claim: $7,317.00 $9,475.00 $0.00

Creditor's Name 2007 BMW 3 Series 140,000 miles

Condition: Fair

Value based off of NADA clean retail

price, minus $1,000.00 for normal

wear and tear

8211 Town Center Drive

Baltimore, MD 21236

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Automobile Loan

Date debt was incurred 2013 Last 4 digits of account number 0835

Add the dollar value of your entries in Column A on this page. Write that number here: $47,400.00

If this is the last page of your form, add the dollar value totals from all pages.

Write that number here: $47,400.00

Part 2: List Others to Be Notified for a Debt That You Already Listed

Use this page only if you have others to be notified about your bankruptcy for a debt that you already listed in Part 1. For example, if a collection agency is trying

to collect from you for a debt you owe to someone else, list the creditor in Part 1, and then list the collection agency here. Similarly, if you have more than one

creditor for any of the debts that you listed in Part 1, list the additional creditors here. If you do not have additional persons to be notified for any debts in Part 1,

do not fill out or submit this page.

Name Address

-NONE- On which line in Part 1 did you enter the creditor?

Last 4 digits of account number

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 2 of 2

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Fill in this information to identify your case:

Debtor 1 Van Donald Miller

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 15-35965

(if known)  Check if this is an

amended filing

Official Form 106Dec

Declaration About an Individual Debtor's Schedules 12/15

If two married people are filing together, both are equally responsible for supplying correct information.

You must file this form whenever you file bankruptcy schedules or amended schedules. Making a false statement, concealing property, or

obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20

years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Sign Below

Did you pay or agree to pay someone who is NOT an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of person . Attach Bankruptcy Petition Preparer’s Notice, Declaration,

and Signature (Official Form 119).

Under penalty of perjury, I declare that I have read the summary and schedules filed with this declaration and

that they are true and correct.

X /s/ Van Donald Miller X

Van Donald Miller Signature of Debtor 2

Signature of Debtor 1

Date January 7, 2016 Date

Official Form 106Dec Declaration About an Individual Debtor's Schedules

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Fill in this information to identify your case:

Debtor 1 Van Donald Miller

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 15-35965

(if known)  Check if this is an

amended filing

Official Form 108

Statement of Intention for Individuals Filing Under Chapter 7 12/15

If you are an individual filing under chapter 7, you must fill out this form if:

 creditors have claims secured by your property, or

 you have leased personal property and the lease has not expired.

You must file this form with the court within 30 days after you file your bankruptcy petition or by the date set for the meeting of creditors,

whichever is earlier, unless the court extends the time for cause. You must also send copies to the creditors and lessors you list

on the form

If two married people are filing together in a joint case, both are equally responsible for supplying correct information. Both debtors must

sign and date the form.

Be as complete and accurate as possible. 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).

Part 1: List Your Creditors Who Have Secured Claims

1. For any creditors that you listed in Part 1 of Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D), fill in the

information below.

Identify the creditor and the property that is collateral What do you intend to do with the property that

secures a debt?

Did you claim the property

as exempt on Schedule C?

Creditor's Ally Financial*  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of 2013 Buick Encore 10,500 miles Reaffirmation Agreement.

Vehicle: 2013 Buick Encore

Mileage: 10,500

Condition: Good

Value: Based on NADA Clean

Retail less $1000 for normal

wear and tear

property  Retain the property and [explain]:

securing debt:

 Retain collateral and continue payments

Creditor's Exeter Finance Corp*  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of 2009 Dodge Journey 90,000 Reaffirmation Agreement.

miles

Vehicle: 2009 Dodge Journey

Mileage: 90,000

Condition: Good

Value: Based on NADA clean

retail less $1000 for normal

wear and tear.

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 1

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B8 (Form 8) (12/08) Page 2

Vehicle was repossessed in

November but has not been

liquidated at the

property  Retain the property and [explain]:

securing debt:

Creditor's Mariner Finance  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of 2007 BMW 3 Series 140,000 Reaffirmation Agreement.

miles

Condition: Fair

Value based off of NADA clean

retail price, minus $1,000.00 for

normal wear and tear

property  Retain the property and [explain]:

securing debt:

Part 2: List Your Unexpired Personal Property Leases

For any unexpired personal property lease that you listed in Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G), fill

in the information below. Do not list real estate leases. Unexpired leases are leases that are still in effect; the lease period has not yet ended.

You may assume an unexpired personal property lease if the trustee does not assume it. 11 U.S.C. § 365(p)(2).

Describe your unexpired personal property leases Will the lease be assumed?

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 2

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B8 (Form 8) (12/08) Page 3

Part 3: Sign Below

Under penalty of perjury, I declare that I have indicated my intention about any property of my estate that secures a debt and any personal

property that is subject to an unexpired lease.

X /s/ Van Donald Miller X

Van Donald Miller Signature of Debtor 2

Signature of Debtor 1

Date January 7, 2016 Date

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 3

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United States Bankruptcy Court

Eastern District of Virginia

In re Van Donald Miller Case No. 15-35965

Debtor(s) Chapter 7

TO:

Mariner Finance

8211 Town Center Drive

Baltimore, MD 21236

 NOTICE TO

CREDITOR(S) (RE AMENDMENT)

NOTICE IS HEREBY GIVEN that an amendment to the above-captioned debtor's schedules has been filed

 adding you as a creditor,

 deleting you as a creditor,

 correcting your address

A copy of the amendment is forwarded to you together with this notice.

[If amendment is adding creditor(s)] NOTICE IS FURTHER GIVEN that also forwarded to you together with this notice is

a copy of the notice of the meeting of creditors called by the United States Trustee pursuant to Federal Rule of Bankruptcy Procedure

2003, giving the particulars of the case and stating the last date for the filing of claims (if any was given), for filing complaints

objecting to the discharge and complaints to determine the dischargeability of certain debts; a copy of the discharge of the debtor, if

one has been entered, a subsequent notice to file claims, if one has been issued, and any other filed document affecting the rights of

the added creditor(s).

Date: January 7, 2016 By

Van Donald Miller

/s/ Pamela Trachtman-Allen

Attorney for Debtor [or Pro Se Debtor]

State Bar No.: 83114

Address: The Merna Law Group, P.C.

3419 Virginia Beach Blvd., #236

Virginia Beach, VA 23452

Telephone No.: (757)340-4895

CERTIFICATION

I certify that on January 7, 2016 , I served a copy of the foregoing notice on the United States Trustee, any appointed

trustee, and any and all entities affected by the amendment pursuant to Local Bankruptcy Rule 1009-1(A).

/s/ Pamela Trachtman-Allen

Pamela Trachtman-Allen 83114

Attorney for Debtor [or Pro Se Debtor]

[ ntctoaddcreds ver. R. 11/01]

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