UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Robert D. Curtis

Kim J. Curtis Case No: 16-32241

This plan, dated May 4, 2016 , is:

 the first Chapter 13 plan filed in this case.

 a modified Plan, which replaces the

confirmed or unconfirmed Plan dated 5/4/2015.

Date and Time of Modified Plan Confirming Hearing:

July 6, 2016 @ 11:10 AM

Place of Modified Plan Confirmation Hearing:

701 E. Broad Street Rm 5000, Richmond, VA 23219

The Plan provisions modified by this filing are:

None

Creditors affected by this modification are:

None

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: $273,232.00

Total Non-Priority Unsecured Debt: $139,600.90

Total Priority Debt: $0.00

Total Secured Debt: $323,240.00

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1. Funding of Plan. The debtor(s) propose to pay the trustee the sum of $200.00 Monthly for 5 months, then $1,315.00

Monthly for 53 months. Other payments to the Trustee are as follows: NONE . The total amount to be paid into the

plan is $ 70,695.00 .

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 $ 4,060.00 balance due of the total fee of $ 5,100.00 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

Chesterfield County - Taxes Taxes and certain other debts 0.00 Prorata

0 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

Chesterfield

County - Taxes

4621 Treely Road Chester, VA 23831

Chesterfield County

House has major repair needs. Basement

repair cost $63,037.70, Oil furnice needs

preplaced $6,230,

Appraisal - $155,000 July 8, 2013

Tax Assessment - $293,800

Zillow Range - $

160.00 0.00

Va Credit Union 2006 Lincoln Navigator 203,241 Miles

Vehicle has mechanical issues. Appraisal

prepared by Carmax $1,700

Opened 4/23/08

Last Active

4/03/12

17,715.00 1,700.00

Va Credit Union 2004 Ford F250 151,392 Miles

Vehicle has body damage. Appraisal

prepared by Carmax $8,000

Opened 2012

Last Active

7/19/13

30,745.00 8,000.00

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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

-NONEC. 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

Va Credit Union 2006 Lincoln Navigator 203,241 Miles

Vehicle has mechanical issues.

Appraisal prepared by Carmax $1,700

25.00 Trustee

Va Credit Union 2004 Ford F250 151,392 Miles

Vehicle has body damage. Appraisal

prepared by Carmax $8,000

80.00 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**

H&K Enterprise Storage Shed 2,200.00 0% Prorata

49 months

Chesterfield

County - Taxes

4621 Treely Road Chester, VA

23831 Chesterfield County

House has major repair needs.

Basement repair cost $63,037.70,

Oil furnice needs preplaced

$6,230,

Appraisal - $155,000 July 8, 2013

Tax Assessment - $293,800

Zillow Range - $

160.00 0% Prorata

49 months

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Creditor Collateral

Approx. Bal. of Debt or

"Crammed Down" Value

Interest 

Rate Monthly Paymt & Est. Term**

Va Credit Union 2006 Lincoln Navigator 203,241

Miles

Vehicle has mechanical issues.

Appraisal prepared by Carmax

$1,700

1,300.00 4.25% Prorata

49 months

Va Credit Union 2004 Ford F250 151,392 Miles

Vehicle has body damage.

Appraisal prepared by Carmax

$8,000

5,900.00 4.25% Prorata

49 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 2 %. 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

-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

Astoria Federal Savings

& Loan

1931 Celia Cresent N.

Chesterfield, VA 23236

Chesterfield County

Debtor Estimate - $85,000

(Houses in area & repair)

Tax Assessment - $143,900

Zillow Range - $149,000 -

$175,000

575.00 5,400.00 0% 49 months Prorata

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Creditor Collateral

Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest

Rate

Estimated

Cure Period

Monthly

Arrearage

Payment

JpMorgan Chase Bank 4621 Treely Road Chester, VA

23831 Chesterfield County

House has major repair needs.

Basement repair cost

$63,037.70, Oil furnice needs

preplaced $6,230,

Appraisal - $155,000 July 8,

2013

Tax Assessment - $293,800

Zillow Range - $

1,051.00 8,600.00 0% 49 months Prorata

Partners FCU 4621 Treely Road Chester, VA

23831 Chesterfield County

House has major repair needs.

Basement repair cost

$63,037.70, Oil furnice needs

preplaced $6,230,

Appraisal - $155,000 July 8,

2013

Tax Assessment - $293,800

Zillow Range - $

607.00 32,000.00 0% 49 months Prorata

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

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

-NONEPage 5of 11

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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

Estimated

Cure Period

-NONE7. 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

Servpro of Chesterfield Judgment Lien 4621 Treely Road Chester, VA 23831

Chesterfield County

House has major repair needs.

Basement repair cost $63,037.70, Oil

furnice needs preplaced $6,230,

Appraisal - $155,000 July 8, 2013

Tax Assessment - $293,800

Zillow Range - $

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.

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11. Other provisions of this plan:

Signatures:

Dated: May 4, 2016

/s/ Robert D. Curtis /s/ Christopher M. Winslow

Robert D. Curtis Christopher M. Winslow 76156

Debtor Debtor's Attorney

/s/ Kim J. Curtis

Kim J. Curtis

Joint Debtor

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

Matrix of Parties Served with Plan

Certificate of Service

I certify that on May 4, 2016 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service List.

/s/ Christopher M. Winslow

Christopher M. Winslow 76156

Signature

1324 Sycamore Square Suite 202C

Midlothian, VA 23113

Address

804-423-1382

Telephone No.

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

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United States Bankruptcy Court

Eastern District of Virginia

In re

Robert D. Curtis

Kim J. Curtis Case No. 16-32241

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To: Servpro of Chesterfield

523 Branchway Road; Richmond, VA 23236

Name of creditor

4621 Treely Road Chester, VA 23831 Chesterfield County

House has major repair needs. Basement repair cost $63,037.70, Oil furnice needs preplaced $6,230,

Appraisal - $155,000 July 8, 2013

Tax Assessment - $293,800

Zillow Range - $

Description of collateral

1. The attached chapter 13 plan filed by the debtor(s) proposes (check one):

 To value your collateral. See Section 3 of the plan. Your lien will be limited to the value of the collateral, and any

amount you are owed above the value of the collateral will be treated as an unsecured claim.

 To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See

Section 7 of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

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2. You should read the attached plan carefully for the details of how your claim is treated. The plan may be confirmed, and

the proposed relief granted, unless you file and serve a written objection by the date specified and appear at the confirmation hearing.

A copy of the objection must be served on the debtor(s), their attorney, and the chapter 13 trustee.

Date objection due: 7 Days Prior to Confirmation

Date and time of confirmation hearing: July 6, 2016 @ 11:10 AM

Place of confirmation hearing: 701 E. Broad Street Rm 5000, Richmond, VA 23219

Robert D. Curtis

Kim J. Curtis

Name(s) of debtor(s)

By: /s/ Christopher M. Winslow

Christopher M. Winslow 76156

Signature

 Debtor(s)' Attorney

 Pro se debtor

Christopher M. Winslow 76156

Name of attorney for debtor(s)

1324 Sycamore Square Suite 202C

Midlothian, VA 23113

Address of attorney [or pro se debtor]

Tel. # 804-423-1382

Fax # 804-4231383

CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the

creditor noted above by

 first class mail in conformity with the requirements of Rule 7004(b), Fed.R.Bankr.P; or

 certified mail in conformity with the requirements of Rule 7004(h), Fed.R.Bankr.P

on this May 4, 2016 .

/s/ Christopher M. Winslow

Christopher M. Winslow 76156

Signature of attorney for debtor(s)

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

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}bk1{CreditoAsMarix}bk{

Affiliated Dermatologists

of Virginia

7813 Shrader Rd.

Henrico, VA 23294

Alcoa Billing

3429 Regal Drive

Alcoa, TN 37701

Alcoa Billing Center

3429 Regal Drive

Alcoa, TN 37701

American Credit Bureau

2755 S Federal Hwy

Boynton Beach, FL 33435

American Medical Collection

2269 S. Saw Mill River Road

Building 3

Elmsford, NY 10523

American Medical Lab Corp

P.o. Box 2240

Burlington, NC 27216

Appomattox River Medical

8002 Discovery Dr.

Suite 311

Henrico, VA 23229

Appomattox River Medical

Hopewell Medical Center

815 W. Poythress St.

Hopewell, VA 23860

Aspen Collections

P.O. Box 10689

Brooksville, FL 34603

Astoria Federal Savings & Loan

Association

1 Corporate Dr. Ste. 360

Lake Zurich, IL 60047

AT & T

P.O. Box 1954

Southgate, MI 48195

Bank of America

P.O. Box 26078

Greensboro, NC 27420

Barclays Bank Delaware

125 S West St

Wilmington, DE 19801

Bby/Cbna

50 Northwest Point Road

Elk Grove Village, IL 60007

Bcc Financial Management Srv.

3230 W Commercial Blvd Ste 200

Fort Lauderdale, FL 33309

BetterMeds Urgent Care

P.O. Box 6341

Richmond, VA 23230

Bk Southsi

Po Box 40

Carson, VA 23830

Bolling Brook Properties

P.o. Box 732

Chesterfield, VA 23832

Bon Secours

P.O. Box 28538

Richmond, VA 23228

Cac Financial Corp

2601 Nw Expwy

Oklahoma City, OK 73112

Cap One

P.O. Box 85520

Richmond, VA 23285

Cap1/Bstby

26525 N Riverwoods Blvd

Mettawa, IL 60045

Capital Recovery V, LLC

c/o Recovery Management Sys.

25 SE 2nd Avenue Ste. 1120

Miami, FL 33131

Caudle & Ballato

3123 West Broad Street

Richmond, VA 23230

Cawthorn, Deskevich & Gavin

9701 Metropolitan Ct. Ste. C

Richmond, VA 23236

Central Florida Pathology Asso

P.O. Box 140987

Pomona Park, FL 32181

Chatham Hair Design

417 Pratt St.

Fredericksburg, VA 22405

Chesterfield County - Taxes

Richard A. Cordle, Treasurer

P.O. Box 26585

Richmond, VA 23285-0088

Chesterfield Fire & EMS

Post Office Box 70

Chesterfield, VA 23832

Citgo/Cbna

Po Box 6497

Sioux Falls, SD 57117

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City of Richmond

Collections Department

Post Office Box 26505

Richmond, VA 23216

City of Richmond Citations

900 E. Broad Street

Collection Div - Rm 102

Richmond, VA 23219

CJW Medical Center

Post Office Box 99008

Bedford, TX 76095

Clean Care

15600 Jefferson Davis Hwy

Colonial Heights, VA 23834

CMRE Financial Services, Inc.

3075 E. Imperial Hwy # 200

Brea, CA 92821

Colonial Heights Fire & EMS

P. O. Box 62349

Virginia Beach, VA 23462

Colonial Heights Medical Ctr

3512 Boulevard

Colonial Heights, VA 23834

Comcast

PO BOX 3002

Southeastern, PA 19398

Comenity Bank/Dtyfr.Cm

Po Box 182789

Columbus, OH 43218

Comenity Bank/Peebles

Po Box 182789

Columbus, OH 43218

Comenity Bank/Vctrssec

Po Box 182789

Columbus, OH 43218

Commonwealth Anesthesia Assoc.

P.O. Box 35808

Richmond, VA 23235

Commonwealth Lab Consultants

Post Office Box 36559

Richmond, VA 23235

Commonwealth Radiology

1508 William Lawn Drive

Suite 117

Richmond, VA 23230

CoventryOne

P.O. Box 31210

Tampa, FL 33631

Credit Adjustment Bo

306 East Grace Street

Richmond, VA 23219

Credit Adjustment Board

306 East Grace Street

Richmond, VA 23219

Credit Adjustment Board, Inc.

8002 Discovery Dr. Ste. 311

Richmond, VA 23229

Credit Protection Asso

13355 Noel Rd Ste 2100

Dallas, TX 75240

Darleene A. Hicks

6378 Manassas Drive

Chesterfield, VA 23832

David Lunger

4157 Chain Bridge Rd

Fairfax, VA 22030

Direct Path

13355 Noel Rd Ste 2100

Dallas, TX 75240

Discover Bank

P.O. Box 3025

New Albany, OH 43054

District 19 Com Services Board

20 W. Bank Street

Suite 2

Petersburg, VA 23803

Dominion Endodontics

6037 Harbour Park Dr.

Midlothian, VA 23112

Dominion Law Associates

P.O. Box 62719

Virginia Beach, VA 23462

Dominion VA Power

P.O. Box 26543

Richmond, VA 23290-0001

Dr. Mark Pinsky

3333 S. Crater Rd.

Petersburg, VA 23805

Dr. Russell Handy

5875 Bremo Road

Suite G-5

Richmond, VA 23226

eCast Settlement Corp.

P.O. Box 29262

New York, NY 10087

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Emergency Coverage Corp.

P.O. Box 5406

Cincinnati, OH 45273

Emergency Medical Services

P.O. Box 1658

Chesterfield, VA 23832

Emergency Physicians

Immediate Care Center

P.O. Box 6341

Richmond, VA 23230

Female Pelvic Medicine

Institute of VA

1401 Johnston Willis Dr. #1100

Richmond, VA 23235

Fia Csna

P.O. Box 17054

Wilmington, DE 19884

Fingerhut

11 McLeland Road

Post Office Box 2900

Saint Cloud, MN 56395

Florida Cardiology, PA

P.O. Box 534405

Atlanta, GA 30353

Florida Hospital Medical Group

P.O. Box 538600

Orlando, FL 32853

Floyd P. Goode

6378 Manassas Drive

Chesterfield, VA 23832

Focused Recovery Solution

9701 Metropolitan Ct

Suite B

Richmond, VA 23236-3662

Fort Lee Federal Credit Union

4495 Crossings Blvd

Prince George, VA 23875

Fredricksburg Credit Bureau

10506 Wakeman Drive

Fredericksburg, VA 22407

Gastrointestinal Specialists

2369 Staples Mill Road

2nd Floor

Richmond, VA 23230

Genes Appliance

P.O. Box 2608

Chester, VA 23831

Andrea Gonzaliz, M.D.

13700 St. Francis Blvd.

Suite 505

Midlothian, VA 23114

H&K Enterprise

P.O. Box 278

Paris, TN 38242

Harris & Harris Ltd

111 W Jackson Blvd S-400

Chicago, IL 60604

Healthcare Revenue Recovery Gr

P.O. Box 459080

Fort Lauderdale, FL 33345

Home Choice Partners

P.O. Box 416915

Boston, MA 02241

Hopewell Medical Center

815 W. Poythress Street

Hopewell, VA 23860

Horizon Financial Management

8585 S. Broadway Suite 880

Merrillville, IN 46410

HRRG

P.O. Box 459080

Sunrise, FL 33345

Ibo Credit Services

1100 Charles Ave Ste. 200

Dunbar, WV 25064

James D. Bates, Jr.

c/o Carl C. Muzi

7601 Midlothian Turnpike

N. Chesterfield, VA 23235

James D. Bates, Jr.

P.O. Box 65

Oilville, VA 23129

James River Hospitalist Group

P.O. Box 660827

Dallas, TX 75266

JLR Anesthesia Associates

P.O. Box 948075

Maitland, FL 32794

John Randolph Hospital

Post Office Box 13620

Richmond, VA 23225

JpMorgan Chase Bank

3415 Vision Drive

Columbus, OH 43219

Lab Corp

P.O. Box 2240

Burlington, NC 27216

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Law Office of George Gusses

33 S. Huron St.

Toledo, OH 43604

Lee Memorial Health Systems

Linebarger Goggan Blair &

Sampson, LLC

4828 Loop Central Dr. #600

Houston, TX 77002

Mary View Medical Center

1701 High Street

Portsmouth, VA 23704

Mary View Medical Hospital

3429 Regal Drive

Alcoa, TN 37701

MCV Hospital

P.O. Box 758721

Baltimore, MD 21275

MCV Hospitals

P.O. Box 980462

Richmond, VA 23298

MCV Physicians

P.O. Box 91747

Richmond, VA 23291

MCV Physicians

PO Box 91747

Richmond, VA 23291

Mcydsnb

9111 Duke Blvd

Mason, OH 45040

Medical Center Radiologist, In

P.O. Box 37

Indianapolis, IN 46206

Medical Transport LLC

P.O. Box 2841

Norfolk, VA 23501

Medicine Institute of Virginia

1401 Johnston Willis Dr.

Ste 1100

Richmond, VA 23235

Merchants Association

Collection Division

P.O. Box 1233

Winter Haven, FL 33880

MHNet Specialty Services

P.O. Box 209010

Austin, TX 78720

MiraMed Revenue Group

255 W. Michigan Ave.

Jackson, MI 49201

Nationwide Credit Corporation

P. O. Box 1022

Wixom, MI 48393

One Hampton Medical

3475 Momentum Place

Chicago, IL 60689

Outsourcing LLC

P.O. Box 549

Lutherville Timonium, MD 21094

Parrish & Lebar

Five East Franklin Street

Richmond, VA 23219

Parrish & Lebar LLP

5 East Franklin Street

Richmond, VA 23219

Partners FCU

c/o Edward S. Whitlock, III

10160 Staples Mill Rd. Ste 105

Glen Allen, VA 23060

PASI

P.O. Box 188

Brentwood, TN 37024-0188

Patient First

5000 Cox Road

Suite 100

Glen Allen, VA 23060

Patient First

P.O. Box 758941

Baltimore, MD 21275-8941

Patient First

P. O. Box 8630

Richmond, VA 23226

Pocahontas 895

P.O. Box 7693

Richmond, VA 23231

Portfolio Recovery Associates

P.O. Box 12914

Norfolk, VA 23541

Portsmouth Fire & Rescue

P.O. Box 758941

Baltimore, MD 21275

Prime Rate Premium Finance

P.O. Box 100507

Columbia, SC 29201

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Professional Emergency Care

P.O. Box 3475

Toledo, OH 43607

Radiology Spc. of Florida

P.O. Box 264552

Orlando, FL 32886

Rafael Amay

6378 Manassas Drive

Chesterfield, VA 23832

RBH Medical Clinic

Raphael Agada, MD

3611 Boulevard

Colonial Heights, VA 23834

Receivable Management

7206 Hull Street Rd Ste

Richmond, VA 23235

Receivable Management

7206 Hull Street Rd Ste 211

Richmond, VA 23235

Receivable Management

7206 Hull Street Rd Ste

North Chesterfield, VA 23235

Receivables Management Systems

P.O. Box 8630

Richmond, VA 23226-0630

Remax Allegiance

4157 Chain Bridge Rd.

Fairfax, VA 22030

Richmond Gastro Assocs.

P.O. Box 14000

Belfast, ME 04915

Richmond Health System

P. O. Box 11302

Richmond, VA 23230-1302

Richmond Infectious Disease

1370 St. Francis Blvd.

Suite 505

Midlothian, VA 23114

Rivers Bend Hospitals

3611 Boulevard

Colonial Heights, VA 23834

Rjm Acq Llc

575 Underhill Blvd Ste 224

Syosset, NY 11791

ROI Receivables

1920 Greenspring Dr. Ste. 200

Lutherville Timonium, MD 21093

Russell Handy, MD

5875 Bremo Road

Suite 701

Richmond, VA 23226

Sears/Cbna

133200 Smith Rd

Cleveland, OH 44130

Sentry Early Warning Systems

c/o Caudle & Caudle PC

3123 West Broad St.

Richmond, VA 23230

Servpro of Chesterfield

523 Branchway Road

Richmond, VA 23236

Servpro of Chesterfield

12001 Deerhill Road

Midlothian, VA 23112

Servpro of ChesterfieldRegAgen

A. Donald Ford Jr.

2727 Buford Rd. Ste. A

Richmond, VA 23235

Shirley L. Hennessy-Reveley

Hennessy-Reveley & Associates

10305 Memory Lane, Suite 102

Chesterfield, VA 23832

Solstas Lab Partners

P.O. Box 830740

Birmingham, AL 35283

Southside Regional Medical Cen

200 Medical Park Boulevard

Petersburg, VA 23805

Spinella, Owings & Shaia

8550 Mayland Drive

Richmond, VA 23294-4704

Sprint

Attn: Bankruptcy Dept

P.O. Box 3326

Englewood, CO 80155

St. Francis Medical Center

P.O Box 28538

Henrico, VA 23228

Stanley Holmes

P.O. Box 732

Chesterfield, VA 23832

Steam Rite Carpet

306 East Grace Street

Richmond, VA 23219

Stephen E. Dickerson

Central VA Legal Aid Society

Richmond, VA 23220

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Steven Castro, DDS, PC

2930 West Hundred Rd.

Chester, VA 23831

Summit HealthCare

1 Park West Circle #202

Midlothian, VA 23114

Syncb/Belk

Po Box 965028

Orlando, FL 32896

Syncb/Jcp

Po Box 965007

Orlando, FL 32896

Syncb/Lowes

Po Box 965005

Orlando, FL 32896

Synter Resource Group, LLC

5395 Rivers Ave. Ste. 102

Charleston, SC 29406-6000

Target Nb

Po Box 673

Minneapolis, MN 55440

Thoracic Surgery Assoc.

P.O. Box 843356

Boston, MA 02284

Thoracic Surgery PC

P. O. Box 14005

Richmond, VA 23225

Tonja C. Smith

Transworld Sys Inc/38

507 Prudential Rd

Horsham, PA 19044

United Consumers

P.O. Box 4466

Woodbridge, VA 22194-4466

Urgent Care Northwest

2708 Easy Hwy 78

Jasper, AL 35501

Va Credit Union

7500 Boulders View Drive

Richmond, VA 23225

VCU Health Systems

P.O. Box 980462

Richmond, VA 23298-0462

Violation Processing Center

P.O. Box 1234

Clifton Forge, VA 24422

Virginia Credit Union

P. O. Box 90010

Richmond, VA 23225

Virginia Credit Union Reg. Agt

Jane G. Watkins

P.O. Box 90010

Richmond, VA 23225-9010

Virginia South Psychiatric

& Family Services, PC

269 Medical Park Blvd.

Petersburg, VA 23805

Virginia Tech Veterinary Med

800 Washington Street SW

Blacksburg, VA 24061

Web Listings, Inc.

1623 Military Road #926

Niagara Falls, NY 14304

William & Fudge

P.O. Box 266

Rock Hill, SC 29731

Williams & Fudge, Inc.

P.O. Box 11590

Rock Hill, SC 29731

Women's Surgery Center

2755 S Federal Hwy

Boynton Beach, FL 33435

Yellow Pages United

P.O. Box 53282

Atlanta, GA 30355

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