United States Bankruptcy Court

Eastern District of Virginia

IN RE: Case No. 16-14264

Chaudhry, Waseem Qaiser

Debtor(s) Chapter 13

CHAPTER 13 PLAN AND RELATED MOTIONS

This plan, dated June 27, 2017 , is:

[ ] the first Chapter 13 plan filed in this case.

[x] a modified Plan that replaces the

[ ] confirmed or [ x ] unconfirmed Plan dated 05/01/2017 .

Date and Time of Modified Plan Confirmation Hearing:

August 10, 2017 at 1:30 pm

Place of Modified Plan Confirmation Hearing:

Courtroom # 3 third floor, US Bankruptcy Court, 200 South Washington St. Alexandria, VA 22314

The plan provisions modified by this filing are:

All Provisions

Creditors affected by this modification are:

All Creditors

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: $ 617,399.00

Total Non-Priority Unsecured Debt: $ 83,312.91

Total Priority Debt: $ 0.00

Total Secured Debt: $ 700,825.20

1. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of $ 533.00 per month for 56 months. Other payments to

the Trustee are as follows: None, payment towards plan as of today, $1454.00

The total amount to be paid into the Plan is $ 31,302.00

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 $ 1,910.00 balance due of the total fee of $ 3,000.00 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

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None

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 Estimated

Debt Bal. Replacement Value None

B. 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 None

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 Adeq. Protection Monthly Payment To Be Paid By

None

Any adequate protection payment upon an unexpired lease of personal property assumed by the debtor(s) pursuant to section

6(B) of the Plan shall be made by the debtor(s) 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” ValueInterest

Rate Monthly Payment& Est. Term

None

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.

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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 10 %. If this case were

liquidated under Chapter 7, the debtor(s) estimate unsecured creditors would receive a dividend of approximately 00.00 %.

B. Separately classified unsecured claims.

Creditor Basis for Classification Treatment

ED Financial Services Student Loan

Not paying the Student

loan

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 ArrearageInterest Rate Estimated Cure Period

Monthly Arrearage Payment

Nationstar Mortgage

7803 Greeley Blvd.

Springfield, VA $2089.36 $20813.20 0% 58 mon. pro rata

Bayview Financial

6426 Aaron Ln.

Clinton, MD $1675.00 00 n/a n/a n/a

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 on Arrearage MonthlyPayment on Arreargae & Est. Term

None

C. Restructured Mortgage Loans to be paid fully during term of Plan. Any mortgage loan against real estate constituting

the debtor(s)' principal residence upon which the last scheduled contract payment is due before the final payment under the Plan

is due shall be paid by the Trustee during the term of the Plan as permitted by 11 U.S.C. § 1322(c)(2) with interest at the rate

specified below as follows:

Creditor Collateral

Interest

Rate EstimatedClaim

Monthly

Payment & Term

None

6. Executory Contracts and Unexpired Leases. 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

None

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B. 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 EstimatedCure Period

None

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 Basis Exemption Amount Value of Collateral

None

B. Avoidance of security interests or liens on grounds other than 11 U.S.C. § 522(f). The debtor(s) have filed or will file and

serve separate pleadings to avoid the following liens or security interests. The creditor should review the notice or summons

accompanying such pleadings as to the requirements for opposing such relief. The listing here is for information purposes only.

Creditor Type of Lien Description of Collateral Basis for Avoidance None

8. Treatment and Payment of Claims. · All creditors must timely file a proof of claim to receive payment from the Trustee. · If a claim is scheduled as unsecured and the creditor files a claim alleging the claim is secured but does not timely object to

confirmation of the plan, the creditor may be treated as unsecured for purposes of distribution under the plan. This

paragraph does not limit the right of the creditor to enforce its lien, to the extent not avoided or provided for in this case,

after the debtor(s) receive a discharge. · If a claim is listed in the plan as secured and the creditor files a proof of claim alleging the claim is unsecured, the creditor

will be treated as unsecured for purposes of distribution under the plan. · The Trustee may adjust the monthly disbursement amount as needed to pay an allowed secured claim in full.

9. Vesting of Property of the Estate. Property 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:

Dated: June 27, 2017 /s/ Waseem Qaiser Chaudhry

Debtor

/s/ Khalid Mahmood

Debtor(s)' Attorney Joint Debtor

Law Office of Khalid Mahmood P.C

3613 Chain Bridge Rd Ste D

Fairfax, VA 22030-3238

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

Matrix of Parties Served with plan

Certificate of Service

I certify that on June 27, 2017, I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service List.

/s/ Khalid Mahmood

Signature

Law Office of Khalid Mahmood P.C

3613 Chain Bridge Rd Ste D

Fairfax, VA 22030-3238

khalid@khalidlaw.com

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

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Ally Bank

PO Box 380902

Bloomington, MN 55438-0902

Bayview Financial Loan

4425 Ponce De Leon Blvd

Coral Gables, FL 33146

Bayview Loan Servicing LLC

62516 Collection Center Drive

Chicago, IL 60693

Capital One

PO Box 30285

Salt Lake City, UT 84130

Capital One

PO Box 98873

Las Vegas, NV 89193

Edfinancial Services

PO Box 36008

Knoxville, TN 37930

Nationstar Mortgage Ll

PO Box 619096

Dalls, TX 75261

Samuel I. White PC

611 Rockville Pike Suite 100

Rockville, MD 20852

T Mobile

PO Box 742596

Cincinnati, OH 45274

US Trustee Office

115 South Union Street # 210

Alexandria, VA 22314

Yellow Cab Company Of DC Inc.

1636 Bladensburg Road NE

Washington, DC 20002

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Official Form 6I Schedule I: Your Income page 1

Official Form 6I 

Schedule I: Your Income 12/13

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.

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.

Debtor 1 Debtor 2 or non-filing spouse 

Employment status Employed

Not employed 

Employed

Not employed 

Occupation __________________________________ __________________________________ 

Employer’s name __________________________________ __________________________________ 

Employer’s address 

_______________________________________ 

Number Street 

_______________________________________ 

_______________________________________ 

_______________________________________ 

City State ZIP Code 

________________________________________ 

Number Street 

________________________________________ 

________________________________________ 

________________________________________ 

City State ZIP Code 

How long employed there? _______ _______ 

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. $___________ $____________

3. Estimate and list monthly overtime pay. 3. + $___________ + $____________

4. Calculate gross income. Add line 2 + line 3. 4. $__________ $____________ 

Debtor 1 ____________________________________________________________________ 

First Name Middle Name Last Name

Debtor 2 __________________________________________________________________ 

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

United States Bankruptcy Court for the:

Case number ___________________________________________ 

 (If known) 

Fill in this information to identify your case: 

Check if this is: 

 An amended filing 

A supplement showing post-petition 

chapter 13 income as of the following date: 

________________

MM / DD / YYYY 

Waseem Qaiser Chaudhry

Eastern District of Virginia, Alexandria Division

1:16-bk-14264

9 9

Cab Driver

Self Employed Cab Driver

10 years

Substitute Teacher

Fairfax County Public Schools

1 years

8115 Gatehouse Rd Ste 2200

Falls Church, VA 22042-1203

0.00 500.00

0.00 0.00

0.00 500.00

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Debtor 1 __________________________________ _____________________ Case number (if known)_____________________________________ 

First Name Middle Name Last Name

 Official Form 6I Schedule I: Your Income page 2

For Debtor 1 For Debtor 2 or 

non-filing spouse

Copy line 4 here ............................................................................................ 4. $___________ $_____________ 

5. List all payroll deductions: 

5a. Tax, Medicare, and Social Security deductions 5a. $____________ $_____________ 

5b. Mandatory contributions for retirement plans 5b. $____________ $_____________ 

5c. Voluntary contributions for retirement plans 5c. $____________ $_____________ 

5d. Required repayments of retirement fund loans 5d. $____________ $_____________ 

5e. Insurance 5e. $____________ $_____________ 

5f. Domestic support obligations 5f. $____________ $_____________ 

5g. Union dues 5g. $____________ $_____________ 

5h. Other deductions. Specify: __________________________________ 5h. + $____________ + $_____________

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

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

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. $____________ $_____________ 

8b. Interest and dividends 8b. $____________ $_____________ 

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. $____________ $_____________ 

8d. Unemployment compensation 8d. $____________ $_____________ 

8e. Social Security 8e. $____________ $_____________ 

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. 

$____________ $_____________ 

8g. Pension or retirement income 8g. $____________ $_____________ 

8h. Other monthly income. Specify: _______________________________ 8h. + $____________ + $_____________

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f +8g + 8h. 9. $____________ $_____________ 

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

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse. 10.

$___________ + $_____________ = $_____________ 

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. + $_____________ 

12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income. 

Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it applies 12. $_____________ 

Combined 

monthly income 

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

 No. 

Yes. Explain: 

Waseem Qaiser Chaudhry 1:16-bk-14264

0.00 500.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 500.00

5,040.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

5,040.00 0.00

5,040.00 500.00

0.00

5,540.00

5,540.00

9

None

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 Official Form 6J Schedule J: Your Expenses page 1

Official Form 6J 

Schedule J: Your Expenses 12/13 

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 a separate Schedule J.

2. Do you have dependents? 

Do not list Debtor 1 and 

Debtor 2. 

Do not state the dependents’ 

names. 

No 

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?

_________________________ ________ 

No

Yes

_________________________ ________ 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 6I.) 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. $_____________________ 

If not included in line 4: 

4a. Real estate taxes 4a. $_____________________ 

4b. Property, homeowner’s, or renter’s insurance 4b. $_____________________ 

4c. Home maintenance, repair, and upkeep expenses 4c. $_____________________ 

4d. Homeowner’s association or condominium dues 4d. $_____________________ 

Debtor 1 __________________________________________________________________ 

First Name Middle Name Last Name

Debtor 2 ________________________________________________________________ 

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

United States Bankruptcy Court for the:

Case number ___________________________________________ 

 (If known) 

Fill in this information to identify your case: 

Check if this is: 

 An amended filing 

A supplement showing post-petition chapter 13 

expenses as of the following date: 

________________

MM / DD / YYYY 

 A separate filing for Debtor 2 because Debtor 2 

maintains a separate household 

Waseem Qaiser Chaudhry

Eastern District of Virginia, Alexandria Division

1:16-bk-14264

9

9

9

Wife 49

Daughter 15

Daughter 13

Daughter 12

1,926.36

0.00

0.00

100.00

0.00

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Debtor 1 __________________________________ _____________________ Case number (if known)_____________________________________ 

First Name Middle Name Last Name

 Official Form 6J Schedule J: Your Expenses page 2

Your expenses

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

$_____________________ 

6. Utilities: 

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

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

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

6d. Other. Specify: _______________________________________________ 6d. $_____________________ 

7. Food and housekeeping supplies 7. $_____________________ 

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

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

10. Personal care products and services 10. $_____________________ 

11. Medical and dental expenses 11. $_____________________ 

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

Do not include car payments. 12.

$_____________________ 

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

14. Charitable contributions and religious donations 14. $_____________________ 

15. Insurance. 

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

15a. Life insurance 15a. $_____________________ 

15b. Health insurance 15b. $_____________________ 

15c. Vehicle insurance 15c. $_____________________ 

15d. Other insurance. Specify:_______________________________________ 15d. $_____________________ 

16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20. 

Specify: _______________________________________________________ 16.

$_____________________ 

17. Installment or lease payments: 

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

17b. Car payments for Vehicle 2 17b. $_____________________ 

17c. Other. Specify:______________________________________________ 17c. $_____________________ 

17d. Other. Specify:______________________________________________ 17d. $_____________________ 

18. Your payments of alimony, maintenance, and support that you did not report as deducted from 

your pay on line 5, Schedule I, Your Income (Official Form 6I). 18. $_____________________ 

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

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. $_____________________ 

20b. Real estate taxes 20b. $_____________________ 

20c. Property, homeowner’s, or renter’s insurance 20c. $_____________________ 

20d. Maintenance, repair, and upkeep expenses 20d. $_____________________ 

20e. Homeowner’s association or condominium dues 20e. $_____________________ 

Waseem Qaiser Chaudhry 1:16-bk-14264

0.00

250.00

50.00

150.00

See Schedule Attached 1,660.00

500.00

0.00

20.00

0.00

0.00

100.00

50.00

0.00

0.00

0.00

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

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Debtor 1 __________________________________ _____________________ Case number (if known)_____________________________________ 

First Name Middle Name Last Name

 Official Form 6J Schedule J: Your Expenses page 3

21. Other. Specify: _________________________________________________ 21. +$_____________________

22. Your monthly expenses. Add lines 4 through 21.

The result is your monthly expenses. 22.

$_____________________ 

23. Calculate your monthly net income. 

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

23b. Copy your monthly expenses from line 22 above. 23b. – $_____________________

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

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

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. 

Waseem Qaiser Chaudhry 1:16-bk-14264

760.00

0.00

4,906.36

5,540.00

4,906.36

633.64

None

9

Case 16-14264-BFK Doc 48 Filed 06/27/17 Entered 06/27/17 10:26:03 Desc Main

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IN RE Chaudhry, Waseem Qaiser 1:16-bk-14264

Debtor(s)

Case No. 

SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Continuation Sheet - Page 1 of 1

Other Utilities (DEBTOR)

Mortgage On Commercial Property 1,660.00

0.00

Case 16-14264-BFK Doc 48 Filed 06/27/17 Entered 06/27/17 10:26:03 Desc Main

 Document Page 12 of 12