UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA - NORFOLK DIVISION

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Michael Gene Clapper Case No: 15-73518-FJS

This plan, dated December 14, 2015 , is:

 the first Chapter 13 plan filed in this case.

 a modified Plan, which replaces the

confirmed or unconfirmed Plan dated .

Date and Time of Modified Plan Confirming Hearing:

Place of Modified Plan Confirmation Hearing:

The Plan provisions modified by this filing are:

Creditors affected by this modification are:

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: $16,083.00

Total Non-Priority Unsecured Debt: $36,138.00

Total Priority Debt: $1,312.70

Total Secured Debt: $6,065.07

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1. Funding of Plan. The debtor(s) propose to pay the trustee the sum of $485.00 Monthly for 2 months, then $600.00

Monthly for 58 months. Other payments to the Trustee are as follows: NONE . The total amount to be paid into the

plan is $ 35,770.00 .

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 $ 3,360.00 balance due of the total fee of $ 5,050.00 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

Virginia Dept of Taxation Taxes and certain other debts 1,312.70 Prorata

5 months

3. Secured Creditors: Motions to Value Collateral ("Cramdown"), Collateral being Surrendered, Adequate Protection

Payments, and Payment of certain Secured Claims.

A. Motions to Value Collateral (other than claims protected from "cramdown" by 11 U.S.C. § 1322(b)(2) or by

the final paragraph of 11 U.S.C. § 1325(a)). Unless a written objection is timely filed with the Court, the

Court may grant the debtor(s)' motion to value collateral as set forth herein.

This section deals with valuation of certain claims secured by real and/or personal property, other than claims protected

from "cramdown" by 11 U.S.C. § 1322(b)(2) [real estate which is debtor(s)' principal residence] or by the final paragraph of

11 U.S.C. § 1325(a) [motor vehicles purchased within 910 days or any other thing of value purchased within 1 year before

filing bankruptcy], in which the replacement value is asserted to be less than the amount owing on the debt. Such debts

will be treated as secured claims only to the extent of the replacement value of the collateral. That value will be paid

with interest as provided in sub-section D of this section. You must refer to section 3(D) below to determine the

interest rate, monthly payment and estimated term of repayment of any "crammed down" loan. The deficiency

balance owed on such a loan will be treated as an unsecured claim to be paid only to the extent provided in section 4

of the Plan. The following secured claims are to be "crammed down" to the following values:

Creditor Collateral Purchase Date Est Debt Bal. Replacement Value

-NONEB. Real or Personal Property to be Surrendered.

Upon confirmation of the Plan, or before, the debtor(s) will surrender his/her/their interest in the collateral securing the

claims of the following creditors in satisfaction of the secured portion of such creditors' allowed claims. To the extent that

the collateral does not satisfy the claim, any timely filed deficiency claim to which the creditor is entitled may be paid as a

non-priority unsecured claim. Confirmation of the Plan shall terminate the automatic stay as to the interest of the debtor(s)

and the estate in the collateral.

Creditor Collateral Description Estimated Value Estimated Total Claim

-NONEPage 2of 6

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C. Adequate Protection Payments.

The debtor(s) propose to make adequate protection payments required by 11 U.S.C. § 1326(a) or otherwise upon claims

secured by personal property, until the commencement of payments provided for in sections 3(D) and/or 6(B) of the Plan, as

follows:

Creditor Collateral Description

Adeq. Protection 

Monthly Payment To Be Paid By

MAC Tools MAC tool box 25.00 Trustee

Ron Comwell Tools Various small hand tools 25.00 Trustee

Snap on Credit, LLC Snap On tool box, scanner,

wrenches, air ratchets, jacks, Lights,

press, compressor tool cart and

other hand tools and specialty tools.

45.00 Trustee

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" Value

Interest 

Rate Monthly Paymt & Est. Term**

MAC Tools MAC tool box 980.00 4.25% 50.84

20 months

Ron Comwell

Tools

Various small hand tools 800.00 4.25% 28.16

30 months

Snap on Credit,

LLC

Snap On tool box, scanner,

wrenches, air ratchets, jacks,

Lights, press, compressor tool

cart and other hand tools and

specialty tools.

4,285.07 4.25% 126.99

36 months

E. Other Debts.

Debts which are (i) mortgage loans secured by real estate which is the debtor(s)' primary residence, or (ii) other long term

obligations, whether secured or unsecured, to be continued upon the existing contract terms with any existing default in

payments to be cured pursuant to 11 U.S.C. § 1322(b)(5), are provided for in section 5 of the Plan.

4. Unsecured Claims.

A. Not separately classified. Allowed non-priority unsecured claims shall be paid pro rata from any distribution

remaining after disbursement to allowed secured and priority claims. Estimated distribution is

approximately 58 %. The dividend percentage may vary depending on actual claims filed. If this case were

liquidated under Chapter 7, the debtor(s) estimate that unsecured creditors would receive a dividend of

approximately 0 %.

B. Separately classified unsecured claims.

Creditor Basis for Classification Treatment

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Creditor Basis for Classification Treatment

-NONE5. Mortgage Loans Secured by Real Property Constituting the Debtor(s)' Primary Residence; Other Long Term

Payment Obligations, whether secured or unsecured, to be continued upon existing contract terms; Curing of any

existing default under 11 U.S.C. § 1322(b)(5).

A. Debtor(s) to make regular contract payments; arrears, if any, to be paid by Trustee. The creditors listed

below will be paid by the debtor(s) pursuant to the contract without modification, except that arrearages, if any,

will be paid by the Trustee either pro rata with other secured claims or on a fixed monthly basis as indicated below,

without interest unless an interest rate is designated below for interest to be paid on the arrearage claim and such

interest is provided for in the loan agreement.

Creditor Collateral

Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest

Rate

Estimated

Cure Period

Monthly

Arrearage

Payment

-NONEB. Trustee to make contract payments and cure arrears, if any. The Trustee shall pay the creditors listed below

the regular contract monthly payments that come due during the period of this Plan, and pre-petition arrearages on

such debts shall be cured by the Trustee either pro rata with other secured claims or with monthly payments as set

forth below.

Creditor Collateral

Regular

Contract

Payment

Estimated

Arrearage

Interest

Rate

Term for

Arrearage

Monthly

Arrearage

Payment

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

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

final payment under the Plan is due shall be paid by the Trustee during the term of the Plan as permitted by 11

U.S.C. § 1322(c)(2) with interest at the rate specified below as follows:

Creditor Collateral

Interest

Rate

Estimated

Claim Monthly Paymt& Est. Term**

-NONE6. Unexpired Leases and Executory Contracts. The debtor(s) move for assumption or rejection of the executory contracts

and leases listed below.

A. Executory contracts and unexpired leases to be rejected. The debtor(s) reject the following executory contracts.

Creditor Type of Contract

-NONEB. Executory contracts and unexpired leases to be assumed. The debtor(s) assume the following executory

contracts. The debtor agrees to abide by all terms of the agreement. The Trustee will pay the pre-petition

arrearages, if any, through payments made pro rata with other priority claims or on a fixed monthly basis as

indicated below.

Creditor Type of Contract Arrearage

Monthly

Payment

for Arrears

Estimated

Cure Period

Verizon Wireless Executory Contract 0.00 0 months

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7. Liens Which Debtor(s) Seek to Avoid.

A. The debtor(s) move to avoid liens pursuant to 11 U.S.C. § 522(f). The debtor(s) move to avoid the following

judicial liens and non-possessory, non-purchase money liens that impair the debtor(s)' exemptions. Unless a

written objection is timely filed with the Court, the Court may grant the debtor(s)' motion and cancel the

creditor's lien. If an objection is filed, the Court will hear evidence and rule on the motion at the confirmation

hearing.

Creditor Collateral Exemption Amount Value of Collateral

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

will file and serve separate pleadings to avoid the following liens or security interests. The creditor should review

the notice or summons accompanying such pleadings as to the requirements for opposing such relief. The listing

here is for information purposes only.

Creditor Type of Lien Description of Collateral Basis for Avoidance

-NONE8. Treatment and Payment of Claims.

• All creditors must timely file a proof of claim to receive payment from the Trustee.

• If a claim is scheduled as unsecured and the creditor files a claim alleging the claim is secured but does not timely

object to confirmation of the Plan, the creditor may be treated as unsecured for purposes of distribution under the

Plan. This paragraph does not limit the right of the creditor to enforce its lien, to the extent not avoided or

provided for in this case, after the debtor(s) receive a discharge.

• If a claim is listed in the plan as secured and the creditor files a proof of claim alleging the claim is unsecured, the

creditor will be treated as unsecured for purposes of distribution under the Plan.

• The Trustee may adjust the monthly disbursement amount as needed to pay an allowed secured claim in full.

9. Vesting of Property of the Estate. Property of the estate shall revest in the debtor(s) upon confirmation of the Plan.

Notwithstanding such vesting, the debtor(s) may not sell, refinance, encumber real property or enter into a mortgage loan

modification without approval of the Court after notice to the Trustee, any creditor who has filed a request for notice and

other creditors to the extent required by the Local Rules of this Court.

10. Incurrence of indebtedness. The debtor(s) shall not voluntarily incur additional indebtedness exceeding the cumulative

total of $5,000 principal amount during the term of this Plan, either unsecured or secured against personal property, except

upon approval of the Court after notice to the Trustee, any creditor who has filed a request for notice, and other creditors to

the extent required by the Local Rules of this Court.

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11. Other provisions of this plan:

I. Request for Payment of Attorney Fees and Expenses Through Plan

Boleman Law Firm, P.C., ("Boleman") elects and declares that it requests compensation in this case pursuant to

Local Bankruptcy Rule 2016-1(C)(1)(a) and (C)(3)(a). Any funds paid by Debtor(s) to Boleman prior to the case filing

are disclosed at paragraph 9 of the Statement of Financial Affairs and applied, if applicable, first to payment of

court filing fees, then to the credit counseling briefing expense, credit reports, and finally to fees.

II. Payment of Attorney Fees and Expenses - Except as provided in Paragraph 2.B., the claim for attorney fees and

expenses shall be paid all funds available on first disbursement after confirmation of the plan, and until such claim

for attorney fees and expenses is paid in full, except as reserved for adequate protection payments on allowed

secured claims (if any), and trustee commissions.

III. Payment of Adequate Protection

- All adequate protection payments set forth in Section 3.C are to be paid through the Trustee.

- The Debtor(s) shall pay regular post-petition contract payments to the creditors listed in Section 5.A., and such

payments shall also constitute adequate protection payments to such creditors. Accordingly, the Trustee shall not

pay adequate protection payments to creditors listed in Section 5.A.

- No adequate protection payments are to be paid to any creditors unless the Plan provides for the payment of

adequate protection of such claim(s) through the Trustee in Section 3.C. or directly by the Debtor(s) in Section 5.A.,

or unless the Court orders otherwise.

IV. Notwithstanding the confirmation of this plan and expressly subject to the terms of Standing Order 15-4, the

debtor(s) reserve the right to challenge the allowance, validity, or enforceability of any claim in accordance with §

502(b) and to challenge the standing of any party to assert any such claim.

Signatures:

Dated: December 14, 2015

/s/ Michael Gene Clapper /s/ Jennifer T. Langley VSB

Michael Gene Clapper Jennifer T. Langley VSB 81454

Debtor Debtor's Attorney

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

Matrix of Parties Served with Plan

Certificate of Service

I certify that on December 14, 2015 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached

Service List.

/s/ Jennifer T. Langley VSB

Jennifer T. Langley VSB 81454

Signature

Convergence Center III

272 Bendix Road, Suite 130

Virginia Beach, VA 23452

Address

(757) 313-3000

Telephone No.

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

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Fill in this information to identify your case:

Debtor 1 Michael Gene Clapper

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA - NORFOLK

DIVISION

Case number 15-73518-FJS Check if this is:

(If known)  An amended filing

 A supplement showing postpetition chapter 13

income as of the following date:

Official Form 106I MM / DD/ YYYY

Schedule I: Your Income 12/15

Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for

supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your

spouse. If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed,

attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,

attach a separate page with

information about additional

employers.

Include part-time, seasonal, or

self-employed work.

Occupation may include student or

homemaker, if it applies.

Employment status

 Employed

 Not employed

 Employed

 Not employed

Occupation Mechanic

Employer's name Pepboys Auto

Employer's address 3111 W. Allegheny Ave.

Philadelphia, PA 19132

How long employed there? 1 Year

Part 2: Give Details About Monthly Income

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing spouse

unless you are separated.

If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need more

space, attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or

non-filing spouse

2.

List monthly gross wages, salary, and commissions (before all payroll

deductions). If not paid monthly, calculate what the monthly wage would be. 2. $ 4,976.83 $ 0.00

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

4. Calculate gross Income. Add line 2 + line 3. 4. $ 4,976.83 $ 0.00

Official Form 106I Schedule I: Your Income page 1

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Debtor 1 Michael Gene Clapper Case number (if known) 15-73518-FJS

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 4,976.83 $ 0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 1,312.22 $ 0.00

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ 0.00

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ 0.00

5d. Required repayments of retirement fund loans 5d. $ 0.00 $ 0.00

5e. Insurance 5e. $ 142.22 $ 0.00

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

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

5h. Other deductions. Specify: Long Term Disability 5h.+ $ 114.18 + $ 0.00

Short Term Disability $ 39.61 $ 0.00

Life Insurance $ 70.20 $ 0.00

Uniforms $ 10.83 $ 0.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 1,689.26 $ 0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 3,287.57 $ 0.00

8. List all other income regularly received:

8a. Net income from rental property and from operating a business,

profession, or farm

Attach a statement for each property and business showing gross

receipts, ordinary and necessary business expenses, and the total

monthly net income. 8a. $ 0.00 $ 0.00

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

8c. Family support payments that you, a non-filing spouse, or a dependent

regularly receive

Include alimony, spousal support, child support, maintenance, divorce

settlement, and property settlement. 8c. $ 0.00 $ 0.00

8d. Unemployment compensation 8d. $ 0.00 $ 0.00

8e. Social Security 8e. $ 0.00 $ 0.00

8f. Other government assistance that you regularly receive

Include cash assistance and the value (if known) of any non-cash assistance

that you receive, such as food stamps (benefits under the Supplemental

Nutrition Assistance Program) or housing subsidies.

Specify: 8f. $ 0.00 $ 0.00

8g. Pension or retirement income 8g. $ 1,849.84 $ 0.00

8h. Other monthly income. Specify: VA Disability 8h.+ $ 1,059.09 + $ 0.00

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 2,908.93 $ 0.00

10. Calculate monthly income. Add line 7 + line 9. 10. $ 6,196.50 + $ 0.00 = $ 6,196.50

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

11. State all other regular contributions to the expenses that you list in Schedule J.

Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and

other friends or relatives.

Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.

Specify: 11. +$ 0.00

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

Write that amount on the 12. $ 6,196.50 Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it applies

Combined

monthly income

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

 No.

 Yes. Explain:

Official Form 106I Schedule I: Your Income page 2

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Fill in this information to identify your case:

Debtor 1 Michael Gene Clapper Check if this is:

 An amended filing

Debtor 2  A supplement showing postpetition chapter 13

(Spouse, if filing) expenses as of the following date:

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA - NORFOLK

DIVISION

MM / DD / YYYY

Case number 15-73518-FJS

(If known)

Official Form 106J

Schedule J: Your Expenses 12/15

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

information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case number

(if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

 Yes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Household of Debtor 2.

2. Do you have dependents?  No

Do not list Debtor 1 and

Debtor 2.

 Yes. Fill out this information for

each dependent..............

Dependent’s relationship to

Debtor 1 or Debtor 2

Dependent’s

age

Does dependent

live with you?

Do not state the

dependents names. Daughter 19 mos

 No

 Yes

 No

 Yes

 No

 Yes

 No

 Yes

3. Do your expenses include

expenses of people other than

yourself and your dependents?

 No

 Yes

Part 2: Estimate Your Ongoing Monthly Expenses

Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report

expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the

applicable date.

Include expenses paid for with non-cash government assistance if you know the

value of such assistance and have included it on Schedule I: Your Income

(Official Form 106I.) Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage

payments and any rent for the ground or lot. 4. $ 1,450.00

If not included in line 4:

4a. Real estate taxes 4a. $ 0.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 20.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 50.00

4d. Homeowner’s association or condominium dues 4d. $ 0.00

5. Additional mortgage payments for your residence, such as home equity loans 5. $ 0.00

Official Form 106J Schedule J: Your Expenses page 1

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Debtor 1 Michael Gene Clapper Case number (if known) 15-73518-FJS

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 295.00

6b. Water, sewer, garbage collection 6b. $ 190.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 450.00

6d. Other. Specify: 6d. $ 0.00

7. Food and housekeeping supplies 7. $ 600.00

8. Childcare and children’s education costs 8. $ 550.00

9. Clothing, laundry, and dry cleaning 9. $ 100.00

10. Personal care products and services 10. $ 100.00

11. Medical and dental expenses 11. $ 511.00

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

Do not include car payments. 12. $ 250.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 150.00

14. Charitable contributions and religious donations 14. $ 0.00

15. Insurance.

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

15a. Life insurance 15a. $ 0.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 120.00

15d. Other insurance. Specify: 15d. $ 0.00

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

Specify: Personal Property Taxes & DMV Registration 16. $ 50.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $ 0.00

17b. Car payments for Vehicle 2 17b. $ 0.00

17c. Other. Specify: 17c. $ 0.00

17d. Other. Specify: 17d. $ 0.00

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

deducted from your pay on line 5, Schedule I, Your Income (Official Form 106I). 18. $ 0.00

19. Other payments you make to support others who do not live with you. $ 0.00

Specify: 19.

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.

20a. Mortgages on other property 20a. $ 0.00

20b. Real estate taxes 20b. $ 0.00

20c. Property, homeowner’s, or renter’s insurance 20c. $ 0.00

20d. Maintenance, repair, and upkeep expenses 20d. $ 0.00

20e. Homeowner’s association or condominium dues 20e. $ 0.00

21. Other: Specify: Miscellaneous Expense 21. +$ 310.00

Tool Expense for Work +$ 300.00

Pet Expense +$ 100.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 5,596.00

22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2 $

22c. Add line 22a and 22b. The result is your monthly expenses. $ 5,596.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 6,196.50

23b. Copy your monthly expenses from line 22c above. 23b. -$ 5,596.00

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

The result is your monthly net income. 23c. $ 600.50

24. Do you expect an increase or decrease in your expenses within the year after you file this form?

For example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a

modification to the terms of your mortgage?

 No.

 Yes. Explain here: 4c reflect lawn care services and pest control services

11. Debtor has a heart condition that requires extensive medication.

Debtor seperated from wife November 2015. Debtor is seeking custody of his child. Child is currently in

custody of CPS. Debtor is currently under supervised visitation through CPS. Debtor anticipates a

hearing date mid-January 2015 and is seeking sole custody.

Official Form 106J Schedule J: Your Expenses page 2

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}bk1{Credito AresMatix}bk{

Office of the U.S. Trustee

200 Granby Street

Suite 625

Norfolk, VA 23510

Capital One Bank

P.O. Box 30285

Salt Lake City, UT 84130-0285

Caudle & Caudle, P.C.

3123 W. Broad St.

Richmond, VA 23230

Credit Control Corporation

11821 Rock Landing Drive

Newport News, VA 23606

Discover Financial Services

P.O. Box 15316

Wilmington, DE 19850

Emergency Phys. of Tidewater

4092 Foxwood Dr., Ste 101

Virginia Beach, VA 23462

Glasser & Glasser

Crown Center, Suite 600

580 East Main Street

Norfolk, VA 23510

Heights Financial

312 East Broadway

Mayfield, KY 42066

HSBC Bank

P.O. Box 5213

Carol Stream, IL 60197

LVNV Funding LLC

c/o Glasser and Glasser

POB 3400

Norfolk, VA 23510

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LVNV Funding, LLC

P.O. Box 10584

Greenville, SC 29603-0584

MAC Tools

505 North Cleveland Ave

Westerville, OH 43082

Navy Federal Credit Union

820 Follin Lane SE

Vienna, VA 22180

Ron Comwell Tools

2100 Princess Anne Court

Virginia Beach, VA 23457

Santander Consumer USA

Attn: Bankruptcy Department

P.O. Box 560284

Dallas, TX 75356-0284

Snap on Credit, LLC

950 Technology Wa

Suite 301

Libertyville, IL 60048

Springleaf Financial Services

5272 Fairfield Shopping Ctr.

Virginia Beach, VA 23464-4212

Tidewater Credit Services

6520 Indian River Road

Virginia Beach, VA 23464

United Consumer Financial Svc.

P.O. Box 856290

Louisville, KY 40285-6290

Virginia Dept of Taxation

P.O. Box 2156

Richmond, VA 23218

William C. Bischoff

3704 Pacific Ave #300

Virginia Beach, VA 23451

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Zwicker & Associates, PC

P.O. Box 9013

Andover, MA 01810

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