Attorney for Debtor 

Pia J. North, Esq. #29672 

North Law 

5913 Harbour Park Drive 

Midlothian, VA 23112 

Tel: (804) 739-3700 

Fax: (804)739-2550 

Help@PiaNorth.com 

UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

IN RE: Misty D. Guard, Debtor Case#: 16-35872 

 6403 Statute Street Lynne L. Tavenner, Trustee 

 Chesterfield, VA 23832 Chapter: 7 

Last 4 of SSN: xxx-xx-4097 

MOTION TO EXTEND THE AUTOMATIC STAY 

Comes Now, Debtor, Misty D. Guard, by Counsel, Pia J. North, Esq. and states the following in 

support of this Motion: 

1. On, November 30 2016, the Debtor filed a Chapter 7 petition for relief in this Honorable Court (the 

“instant case”). Lynne L. Tavenner, Chapter 7 Trustee was appointed to serve as Chapter 7 Trustee 

in this case (the “Trustee”). 

2. The Debtor, Misty D. Guard filed two previous bankruptcies, only one of which was filed in the last 

eight years: Case# 15-10185 was filed on January 20, 2015 and dismissed on April 13, 2016 upon 

the Debtor’s Motion to Dismiss. That case was pending within one year of the filing of this instant 

case, thus triggering the provision of 11 U.S.C. 362(c)(3). The Debtor has also filed a petition for 

relief under Chapter 7 on June 17, 2008 Case# 08-00938; that case was discharged on September 

18, 2008. 

3. The automatic stay will expire in the instant case on December 30, 2016, unless the Court extends 

the automatic stay pursuant to 11 U.S.C 362 (c)(3)(A) and (B). 

4. The Debtor’s bankruptcy history does not indicate a lack of good faith. The Debtor had every 

intention of following through on her Chapter 13 bankruptcy plan when she filed her petition in 

January 2015. However, the plan subsequently became unaffordable when her expenses increased: 

Her child support obligation increased from $500 to $900 per month. Additionally, she moved and 

her monthly rent expenses increased from $675 per month to $1,500 per month. When it became 

clear to her that she would be unable to afford the Chapter 13, she consulted with her attorneys and 

they filed a Motion for Voluntary Dismissal. The Order dismissing the case was entered on April 

13, 2016. 

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5. The only other case that the Debtor filed was a Chapter 7 petition that was filed in June 2008 which 

was more than eight years before the previous case. She is eligible to receive a Chapter 7 discharge. 

6. The Debtor has filed this case in good faith. There has been a change of circumstances in that the 

Debtor is now eligible to file a Chapter 7 and no longer has the financial resources to support a 

Chapter 13 plan payment. 

7. WHEREFORE, for the foregoing reasons, the Debtor respectfully requests that this Court enter an 

Order extending the automatic stay under 11 U.S.C. § 362 as to all creditors, as to the Debtor and 

the Debtor’s property, and as to the property of the estate for the duration of this proceeding, or until 

such time as the stay is terminated under § 362 (c) (1) or (c) (2), or a motion for relief is granted 

under § 362(d) and for such other and further relief as to the Court shall be deemed appropriate. 

 

 Respectfully submitted: 

Misty D. Guard

By: /s/ Pia J. North 

Counsel 

Case 16-35872-KLP Doc 5 Filed 12/01/16 Entered 12/01/16 12:56:14 Desc Main

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Attorney for Debtor 

Pia J. North, Esq. #29672 

North Law 

5913 Harbour Park Drive 

Midlothian, VA 23112 

Tel: (804) 739-3700 

Fax: (804)739-2550 

Help@PiaNorth.com 

UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

IN RE: Misty D. Guard, Debtor Case#: 16-35872 

 6403 Statute Street Lynne L. Tavenner, Trustee 

 Chesterfield, VA 23832 Chapter: 7 

Last 4 of SSN: xxx-xx-4097 

 

NOTICE OF MOTION 

Pia J. North, Attorney for the Debtor having filed papers with the court: Motion to Extend the 

Automatic Stay. 

Your rights may be affected. You should read these papers carefully and discuss them with your 

attorney, if you have one in this bankruptcy case. (If you do not have an attorney, you may wish to 

consult one.) 

If you do not want the court to grant the relief sought in the objection, or if you want the court to 

consider your views on the motion, then on or before December 15, 2016, you or your attorney must: 

File with the court, at the address shown below, a written response pursuant to Local Bankruptcy Rule 

9013-1(H)]. If you mail your request for hearing (or response) to the court for filing, you must mail it 

early enough so the court will receive it on or before the date stated above. 

Clerk of Court 

United States Bankruptcy Court 

701 E. Broad Street, Room 4000 

Richmond, VA 23219 

Office of the U.S. Trustee 

701 E. Broad Street, Room 4304 

Richmond, Virginia 23219 

You must also mail a copy to: 

Pia J. North 

North Law 

5913 Harbour Park Drive 

Midlothian, VA 23112 

Lynne L. Tavenner 

20 North 8th Street; 2nd Floor 

Richmond, VA 23219 

LTavenner@tb-lawfirm.com 

 

If you or your attorney do not take these steps, the court may decide that you do not oppose the relief 

sought in the motion and may enter an order granting that relief. 

Case 16-35872-KLP Doc 5 Filed 12/01/16 Entered 12/01/16 12:56:14 Desc Main

 Document Page 3 of 8
Attorney for Debtor 

Pia J. North, Esq. #29672 

North Law 

5913 Harbour Park Drive 

Midlothian, VA 23112 

Tel: (804) 739-3700 

Fax: (804)739-2550 

Help@PiaNorth.com 

UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

IN RE: Misty D. Guard, Debtor Case#: 16-35872 

 6403 Statute Street Lynne L. Tavenner, Trustee 

 Chesterfield, VA 23832 Chapter: 7 

Last 4 of SSN: xxx-xx-4097 

 

NOTICE

 PLEASE TAKE NOTICE that on December 21, 2016 @ 10:00 a.m. or as soon 

thereafter as is practical, we will appear before the Honorable Keith L. Phillips United States Bankruptcy 

Court, Eastern District of Virginia, Richmond Division, 701 E. Broad Street, Room 5100, 

Richmond, VA 23219 on the Debtor’s Motion to Extend the Automatic Stay. 

 

 Misty D. Guard 

BY: /s/ Pia J. North 

Counsel 

Certificate of Service 

I hereby certify that I have on December 1, 2016, served by transmitting a true copy of the foregoing 

Motion to Extend the Automatic Stay, Notice of Motion and Notice of Hearing electronically through the 

Court’s CM/ECF system or by first class mail, postage pre-paid to: Misty D. Guard, the Debtor, 6403 

Statute Street, Chesterfield, VA 23832, the Trustee, the United States trustee and to all creditors and parties 

in interest on the attached mailing matrix 

By: /s/ Pia J. North 

Counsel 

Case 16-35872-KLP Doc 5 Filed 12/01/16 Entered 12/01/16 12:56:14 Desc Main

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Attorney for Debtor 

Pia J. North, Esq. #29672 

North Law 

5913 Harbour Park Drive 

Midlothian, VA 23112 

Tel: (804) 739-3700 

Fax: (804)739-2550 

Help@PiaNorth.com 

UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

IN RE: Misty D. Guard, Debtor Case#: 16-35872 

6403 Statute Street Lynne L. Tavenner, Trustee 

Chesterfield, VA 23832 Chapter: 7 

Last 4 of SSN: xxx-xx-4097 

 

 

AFFIDAVIT 

I, Misty D. Guard declare under penalty of perjury that the information provided in the Motion to Extend 

the Automatic Stay is true and correct. 

1. I have only filed two prior bankruptcies. The first bankruptcy was a Chapter 7 bankruptcy which 

was filed and successfully completed in 2008. 

2. The only other bankruptcy I filed was a Chapter 13 Bankruptcy that I filed in January 2015. After I 

filed the case my expenses increased: When I moved to another town, my rent increased from 

$675 per month to $1,500 per month. Additionally, my monthly child support payment increased 

from $500 per month to $900 per month. Once I explained this situation to my bankruptcy 

lawyers, they filed a Motion to Dismiss my Chapter 13. 

3. I believe that under the circumstances, it is best that I file a Chapter 7 bankruptcy. 

Date: November 3, 2016 /s/ Misty D. Guard 

Misty D. Guard 

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}bk1{Credito AresMatix}bk{

Aaron's Sales & Lease

5087 Jefferson Davis Highway

Fredericksburg, VA 22408

American Profit Recovery

34405 W 12 Mile Rd Ste 3

Farmington Hills, MI 48331

AT & T

P.O. Box 1954

Southgate, MI 48195

Bass & Associates

2970 Peachtree Road, N.W.

Suite 622

Atlanta, GA 30305

BB & T

Recovery Dept

PO Box 580393

Charlotte, NC 28258

Bio Reference

481 Edward H. Ross Dr.

Elmwood Park, NJ 07407

Bull City Financial Solutions

2609 North Duke St. #500

Durham, NC 27704

Caf/Carmax Auto Finance

Attn: Bankruptcy

Po Box 440609

Kennesaw, GA 30160

Calvary Portfolio Services

7 Skyline Dr

3rd Floor

Hawthorne, NY 10532

Calvary Portfolio Services

500 Summit Lake Ste 400

Valhalla, NY 10595

Capital One

15000 Capital One Dr

Richmond, VA 23238

Capital One

Po Box 30285

Salt Lake City, UT 84130

Cato Corporation

Po Box 34216

Charlotte, NC 28234

Cato Corporation

Attn Bankruptcy/Credit Dept

8100 Denmark Rd

Charlotte, NC 28273

Cedar Financial

5230 Las Virgenes Rd Ste

Calabasas, CA 91302

Cedar Hill National Bank

PO BOX 37902

Charlotte, NC 28237

Certegy Check Services, Inc.

11601 Roosevelt Blvd.

Saint Petersburg, FL 33716

Cfw Credit & Collectio

Attn:Collections

19 N Washington St

Winchester, VA 22601

Check Systems

7805 Hudson Rd.

Suite 100

Woodbury, MI 55125

ChexSystems

Attn: Consumer Relations

7805 Hudson Rd., Suite 100

Saint Paul, MN 55125

Comenity Bank/vctrssec

Po Box 182789

Columbus, OH 43218

Credit One Bank

Po Box 98873

Las Vegas, NV 89193

Credit One Bank Na

Po Box 98872

Las Vegas, NV 89193

Credit One Bank Na

Po Box 98873

Las Vegas, NV 89193

Creekside Resort

41 Resort Drive

Basye, VA 22810

Direct TV

Post Office Box 78626

Phoenix, AZ 85062

Dish

PO BOX 94063

Palatine, IL 60094-4063

Diversified Consultants

POB 551268

Jacksonville, FL 32255

E.A. Hawse Health Center

17978 WV-55

Baker, WV 26801

Equifax Check Services

Post Office Box 30272

Tampa, FL 33630-3272

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ERC/Enhanced Recovery Corp

8014 Bayberry Rd

Jacksonville, FL 32256

Experian

Dispute Department

P.O. Box 4500

Allen, TX 75013

Experian

475 Anton Blvd

Costa Mesa, CA 92626

Fingerhut

6250 Ridgewood Road

Saint Cloud, MN 56303

Fingerhut

6250 Ridgewood Rd

St Cloud, MN 56303

Gold Key Credit

Attn: Bankruptcy

Po Box 15670

Brooksville, FL 34604

Grant Memorial Hospital

117 Hospital Drive

Petersburg, WV 26847

Hahn Medical Practices, Inc

22347 northwestern pike

Romney, WV 26757

Harrisonburg OBGYN

2291 Evelyn Byrd Ave.

Harrisonburg, VA 22801

Hawse Health Center

17978 WV-55

Baker, WV 26801

HC Processing Center

203 E Emma Ave Ste A

Springdale, AR 72764

HC Processing Center

Po Box 829

Springdale, AR 72765

James B. Nutter

P.O. Box 419404

Kansas City, MO 64141-6404

Jl Walston & Associate

1107 West Main St., Suite 201

Durham, NC 27701

Julie Frazier, Equire

56 East Main Street

Romney, WV 26757

Lagacy Vacation Club

Harbor Club Owners

P.O. Box 29352

Phoenix, AZ 85038

Legacy Vacation Club

201 Clubhouse Drive

Palm Coast, FL 32137

Legacy Vacation Club

2800 N. Poinciana Blvd.

Kissimmee, FL 34746

Mary Washington Health Care

2300 Fall Hill Ave

Fredericksburg, VA 22401

Mary Washington Hospital

Post Office Box 7667

Fredericksburg, VA 22404

MediCorp Health System

O.D.C. Recovery Services

12000 Kennedy Ln Suite 100

Fredericksburg, VA 22407

Midlothian Family Practice

1471 Johnston Willis Drive

Richmond, VA 23235

National Emerge

P O Box 15670

Brooksville, FL 34604

Navient

Po Box 9500

Wilkes Barre, PA 18773

Navient

Attn: Claims Dept

Po Box 9500

Wilkes-Barr, PA 18773

Ocean Club Villas II

105 120th Street

Ocean City, MD 21842

Ocean Sands Resort

580 Lynnhaven Parkway

Suite 101

Virginia Beach, VA 23452

Patient Account Bureau

4366 Park Drive

Norcross, GA 30093

PHG Ironbridge

P.O. Box 281814

Atlanta, GA 30384

Potomac Edison

P.O. Box 3615

Akron, OH 44309-3615

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Purchasing Power

695 Pylant Street

Atlanta, GA 30336

Quantum3 Group LLC

PO Box 788

Kirkland, WA 98083

R. Scott Pugh, Esquire

9108 Courthouse Road

Spotsylvania, VA 22553

Revenue Enterprises LLC

3131 S Vaughn Way Ste 426

Aurora, CO 80014

Rockingham Medical Hospital

2010 Health Campus Dr,

Harrisonburg, VA 22801

Rockingham Medical Hospital

P.O.Box 392

Harrisonburg, VA 22803

Royal Floridian

51 South Atlantic Avenue

Ormond Beach, FL 32176

Sentara Health Care

PO Box 1875

Norfolk, VA 23501

Sherman Law Firm

255 West Main Street

Romney, WV 26757

Springleaf Financial Services

601 Nw 2nd St

Evansville, IN 47708

Summit Community Bank

310 N Main St

Moorefield, WV 26836

Telecheck Services Inc.

5521 Westheimer Road

Houston, TX 77056

The Villas - Summer Bay Resort

17805 US 192

Clermont, FL 34714

TransUnion

P.O. Box 2000

Chester, PA 19022

University of Phoenix

4615 E. Elwood Street

3rd Floor

Phoenix, AZ 85040

Us Dept of Ed

Great Lakes Educational Loan

Po Box 7860

Madison, WI 53707

Us Dept of Ed/Great Lakes Educational Lo

2401 International

Madison, WI 53704

UVA Physician Group

4105 Lewis & Clark Drive

Charlottesville, VA 22911

Valley Credit Service, Inc

Po Box 2162

Hagerstown, MD 21742

Verizon

500 Technology Dr Ste 30

Weldon Spring, MO 63304

Verizon

500 Technology Dr

Suite 500

Weldon Spring, MO 63304

Walden University

1000 S Washington Ave #900

Minneapolis, MN 55401

Webbank/fingerhut

6250 Ridgewood Rd

Saint Cloud, MN 56303

Williams & Fudge, Inc

300 Chatham Ave.

POB 11590

Rock Hill, SC 29731

Wayne Wolfe

10 Riverbed Lane

Moorefield, WV 26836

Wayne T. Wolfe

10 Riverbed Lane

Moorefield, WV 26836

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