UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Keith P. Williams

Jacqueline A. Williams Case No: 17-35341

This plan, dated November 6, 2017 , 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. Objection due date: . Confirmation hearing is set for January 3, 2018 @ 9:10 a.m. Courtroom

5100 at 701 E. Broad Street, Richmond, VA 23219. If no objections are timely filed, a confirmation

hearing will NOT be held.

The debtor(s)' schedules list assets and liabilities as follows:

Total Assets: $347,298.00

Total Non-Priority Unsecured Debt: $86,765.00

Total Priority Debt: $15,937.16

Total Secured Debt: $332,650.00

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1. Funding of Plan. The debtor(s) propose to pay the trustee the sum of 1 payment for $2,200 THEN $2,230.00 Monthly for

59 months. Other payments to the Trustee are as follows: NONE . The total amount to be paid into the plan is

$ 133,770.00 .

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 $ 4,771.00 balance due of the total fee of $ 5,151.00 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

Commonwealth of VA-Tax Taxes and certain other debts 0.00

0 months

Internal Revenue Service Taxes and certain other debts 15,937.16

9 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

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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

Andrews Federal Credit Union 2007 Ford Mustang GT 60,000 miles

Adequate protection

115.00 Trustee

Exeter Finance Corp 2014 Nissan Sentra 95,000 miles

Adequate protection

95.00 Trustee

Nissan Motor Acceptanc 2016 Nissan Pathfinder 35,000 miles

Adequate protection

255.00 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**

Andrews Federal

Credit Union

2007 Ford Mustang GT 60,000

miles

Adequate protection

13,048.78

(POC)

5.25%

45 months

Exeter Finance

Corp

2014 Nissan Sentra 95,000 miles

Adequate protection

16,815.00 5.25%

45 months

Nissan Motor

Acceptanc

2016 Nissan Pathfinder 35,000

miles

Adequate protection

42,317.61

 (POC)

5.25%

45 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 10 %. 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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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

Arrearage

Interest

Rate

Estimated

Cure Period

Monthly

Arrearage

Payment

Mohela/Dept of Ed Educational - No Chapter 13

Payment

0.00 0.00 0% 0 months

Navient Educational - No Chapter 13

Payment

0.00 0.00 0% 0 months

Navient Educational - No Chapter 13

Payment

0.00 0.00 0% 0 months

Net Credit Financial Unsecured - No Chapter 13

Payment

0.00 0.00 0% 0 months

RNR Tires & Wheels Wheels & Tires 121.56

Biweekly

0.00 0% 0 months

Specialized Loan

Servicing

443 Hanover Road Sandston,

VA 23150 Henrico

1,545.86 7,612.16

(POC)

0% 45 months

Us Dept Ed Educational - No Chapter 13

Payment

0.00 0.00 0% 0 months

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

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C. Restructured Mortgage Loans to be paid fully during term of Plan. NONE 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:

6. 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: NONE The debtor(s) reject the following executory

contracts.

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.

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

Richmond Cardiology

Assoc.

443 Hanover Road Sandston,

VA 23150 Henrico

$1.00 284,900.00

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

Household Finance Corp. of

VA

Second Mortgage 443 Hanover Road Sandston, VA 23150

Henrico

11 U.S.C. § 522(f)

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:

(1) Upon confirmation of this plan, priority creditors are granted relief from the automatic stay only to the extent

necessary to offset any pre-petition tax refund due to the debtor against any pre-petition tax liability owed by the

debtor.

(2) Debtor's attorney's fees to be paid as a priority claim.

(3) The trustee can extend the plan up to 60 months to pay properly filed claims in this matter.

(4) The debtor will not MODIFY THE DEED, SELL, REFINANCE, OR MODIFY THE MORTGAGE without an order from

the court.

(5) The deadline to object to proof of claims is extended to 90 days past the claims bar deadline.

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Signatures:

Dated: November 6, 2017

/s/ Keith P. Williams /s/ Pia J. North

Keith P. Williams Pia J. North 29672

Debtor Debtor's Attorney

/s/ Jacqueline A. Williams

Jacqueline A. Williams

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 November 6, 2017 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached

Service List.

/s/ Pia J. North

Pia J. North 29672

Signature

5913 Harbour Park Drive

Midlothian, VA 23112

Address

(804) 739-3700

Telephone No.

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

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United States Bankruptcy Court

Eastern District of Virginia

In re

Keith P. Williams

Jacqueline A. Williams Case No. 17-35341

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To:

Richmond Cardiology Assoc.

8243 Meadowbridge Rd;

Mechanicsville, VA 23116

Richmond Cardiology Assoc, Inc

Mark A. Fleckenstein, Reg Agen

311 South Boulevard

Richmond, VA 23220

Caudle & Caudle PC

3123 W Broad St

Richmond, VA 23230

Name of creditor

443 Hanover Road Sandston, VA 23150 Henrico

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:

Date and time of confirmation hearing: January 3, 2018 @ 9:10 a.m.

Place of confirmation hearing: Courtroom 5100 at 701 E. Broad Street, Richmond, VA

23219

Keith P. Williams

Jacqueline A. Williams

Name(s) of debtor(s)

By: /s/ Pia J. North

Pia J. North 29672

Signature

 Debtor(s)' Attorney

 Pro se debtor

Pia J. North 29672

Name of attorney for debtor(s)

5913 Harbour Park Drive

Midlothian, VA 23112

Address of attorney [or pro se debtor]

Tel. # (804) 739-3700

Fax # (804) 739-2550

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 November 6, 2017 .

/s/ Pia J. North

Pia J. North 29672

Signature of attorney for debtor(s)

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

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Document Page 9 of 19
United States Bankruptcy Court

Eastern District of Virginia

In re

Keith P. Williams

Jacqueline A. Williams Case No. 17-35341

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To:

Household Finance Corp. of VA

PO Box 4153;

Carol Stream, IL 60197-4153

Household Finance Corp. of VA

CT Corporation System

4701 Cox Road, Suite 285

Glen Allen, VA 23060

Name of creditor

443 Hanover Road Sandston, VA 23150 Henrico

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:

Date and time of confirmation hearing: January 3, 2018 @ 9:10 a.m.

Place of confirmation hearing: Courtroom 5100 at 701 E. Broad Street, Richmond, VA

23219

Keith P. Williams

Jacqueline A. Williams

Name(s) of debtor(s)

By: /s/ Pia J. North

Pia J. North 29672

Signature

 Debtor(s)' Attorney

 Pro se debtor

Pia J. North 29672

Name of attorney for debtor(s)

5913 Harbour Park Drive

Midlothian, VA 23112

Address of attorney [or pro se debtor]

Tel. # (804) 739-3700

Fax # (804) 739-2550

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 November 6, 2017 .

/s/ Pia J. North

Pia J. North 29672

Signature of attorney for debtor(s)

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

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Fill in this information to identify your case:

Debtor 1 Keith P. Williams

Debtor 2 Jacqueline A. Williams

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-35341 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 Electronic Technician Nurse Manager

Employer's name Athna Richmond Behavioral Health

Employer's address 107 South 5th Street

Richmond, VA 23219

How long employed there? June 2017 February 2017

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. $ 3,887.39 $ 6,999.20

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

4. Calculate gross Income. Add line 2 + line 3. 4. $ 3,887.39 $ 6,999.20

Official Form 106I Schedule I: Your Income page 1

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Debtor 1

Debtor 2

Keith P. Williams

Jacqueline A. Williams Case number (if known) 17-35341

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 3,887.39 $ 6,999.20

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 443.34 $ 1,084.87

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. $ 110.41 $ 291.01

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

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

5h. Other deductions. Specify: Life Insurance 5h.+ $ 6.46 + $ 34.82

Accident Insurance $ 0.00 $ 38.61

Critical Illness $ 0.00 $ 27.84

Flex Spending Account $ 0.00 $ 130.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 560.21 $ 1,607.15

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 3,327.18 $ 5,392.05

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. $ 0.00 $ 0.00

8h. Other monthly income. Specify:

Amortized tax refund Fed $200 &

State $1,833 8h.+ $ 169.42 + $ 0.00

Amortized tax refund Fed $1,171 & State $2,987 $ 0.00 $ 346.50

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 169.42 $ 346.50

10. Calculate monthly income. Add line 7 + line 9. 10. $ 3,496.60 + $ 5,738.55 = $ 9,235.15

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.

12. $ 9,235.15

Write that amount on the 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: See Schedule J

Official Form 106I Schedule I: Your Income page 2

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Fill in this information to identify your case:

Debtor 1 Keith P. Williams Check if this is:

 An amended filing

Debtor 2 Jacqueline A. Williams  A supplement showing postpetition chapter

(Spouse, if filing) 13 expenses as of the following date:

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA MM / DD / YYYY

Case number 17-35341

(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. Mother 11/ 1943

 No

 Yes

Grandson 9/2012

 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. $ 1,600.00

If not included in line 4:

4a. Real estate taxes 4a. $ 0.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 0.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 100.00

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

Case 17-35341-KLP Doc 13 Filed 11/06/17 Entered 11/06/17 13:35:12 Desc Main

Document Page 14 of 19
Debtor 1

Debtor 2

Keith P. Williams

Jacqueline A. Williams Case number (if known) 17-35341

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 350.00

6b. Water, sewer, garbage collection 6b. $ 125.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 485.00

6d. Other. Specify: Gas $1,500/year 6d. $ 125.00

7. Food and housekeeping supplies 7. $ 773.85

8. Childcare and children’s education costs 8. $ 368.31

9. Clothing, laundry, and dry cleaning 9. $ 193.00

10. Personal care products and services 10. $ 120.00

11. Medical and dental expenses 11. $ 200.00

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

Do not include car payments. 12. $ 342.75

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

14. Charitable contributions and religious donations 14. $ 1,000.00

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. $ 365.00

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 Tax $1,000 16. $ 83.33

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: Misc. Expenses 17c. $ 150.00

17d. Other. Specify: Tolls 17d. $ 33.91

Vehicle upkeep 2014 & 2016 $ 40.00

Gym Membership $ 80.00

Support of Wife's Elderly mother $ 120.00

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. $ 200.00

Specify: Money to support elderly mother 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: 21. +$ 0.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 7,005.15

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. $ 7,005.15

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 9,235.15

23b. Copy your monthly expenses from line 22c above. 23b. -$ 7,005.15

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

The result is your monthly net income. 23c. $ 2,230.00

Official Form 106J Schedule J: Your Expenses page 2

Case 17-35341-KLP Doc 13 Filed 11/06/17 Entered 11/06/17 13:35:12 Desc Main

Document Page 15 of 19
Debtor 1

Debtor 2

Keith P. Williams

Jacqueline A. Williams Case number (if known) 17-35341

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: RNR will be paid off in May 2018

Household size of 5. Debtor's adult son & daughter both live with the Debtors. Their son has a learning

disability and is unable to work and daughter has brain damage from an accident. BDebtors have custody

of their five year old grandson and fully support him. The adult children drive Sentra to school and help

with grandson. This allows debtors to work without missing time. Wife's elderly mother is in poor health

and a depedent on their tax return.

Official Form 106J Schedule J: Your Expenses page 3

Case 17-35341-KLP Doc 13 Filed 11/06/17 Entered 11/06/17 13:35:12 Desc Main

Document Page 16 of 19
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TransUnion

P.O. Box 2000

Chester, PA 19022

Certegy Check Services, Inc.

11601 Roosevelt Blvd.

Saint Petersburg, FL 33716

ChexSystems

Attn: Consumer Relations

7805 Hudson Rd., Suite 100

Saint Paul, MN 55125

Equifax Check Services

Post Office Box 30272

Tampa, FL 33630-3272

Experian

Dispute Department

P.O. Box 4500

Allen, TX 75013

Commonwealth of VA-Tax

P.O. Box 2156

Richmond, VA 23218-2156

Internal Revenue Service

Centralized Insolvency Unit

P O Box 7346

Philadelphia, PA 19101-7346

Equifax Information Services

PO Box 740241

Atlanta, GA 30374

TransUnion Consumer Relations

2 Baldwin Place

PO Box 1000

Chester, PA 19022

Affirm Inc

633 Folsom St Fl 7

San Francisco, CA 94107

Allied Collection Services

3080 South Durango Drive

Suite 208

Las Vegas, NV 89117

Andrews Federal Credit Union

5711 Allentown Rd

Suitland, MD 20746

Andrews Federal Credit Union

Andrews Federal Credit Union

Po Box 3000

Clinton, MD 20735

AT&T Mobility

PO Box 6463

Carol Stream, IL 60197

Banfield Pet Hospital

Attn: Billing & Collections

PO Box 13998

Portland, OR 97213

Barclays Bank Delaware

Po Box 8803

Wilmington, DE 19899

Barclays Bank Delaware

100 S West St

Wilmington, DE 19801

Bon Secours

P.O. Box 28538

Richmond, VA 23228

Bon Secours

Richmond Health System

PO Box 11302

Richmond, VA 23230

Capital One

Po Box 30253

Salt Lake City, UT 84130

Capital One

15000 Capital One Dr

Richmond, VA 23238

Capital One

Attn: Bankruptcy

Po Box 30253

Salt Lake City, UT 84130

Cardworks/CW Nexus

Po Box 9201

Old Bethpage, NY 11804

Cardworks/CW Nexus

Attn: Bankruptcy

Po Box 9201

Old Bethpage, NY 11804

Caudle & Caudle PC

3123 W Broad St

Richmond, VA 23230

CJW Medical Center

P. O. Box 99400

Louisville, KY 40269

Comcast

5401 Staples Mill Road

Richmond, VA 23228

Comenity Capital Bank

PO Box 182025

Columbus, OH 43218

Credit First National Assoc

6275 Eastland Rd

Brookpark, OH 44142

Credit First National Assoc

Attn: BK Credit Operations

Po Box 81315

Cleveland, OH 44181

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Credit One Bank Na

Po Box 98875

Las Vegas, NV 89193

Credit One Bank Na

Po Box 98873

Las Vegas, NV 89193

David T. Spruill, Esq

120 Corporate Blvd.

Norfolk, VA 23502

DIRECTV

P.O. Box 11732

Newark, NJ 07101

ERC/Enhanced Recovery Corp

Attn: Bankruptcy

8014 Bayberry Rd

Jacksonville, FL 32256

Exeter Finance Corp

Po Box 166097

Irving, TX 75016

Exeter Finance Corp

Po Box 166008

Irving, TX 75016

Fingerhut

6250 Ridgewood Rd

Saint Cloud, MN 56303

Focused Recovery Solutions

9701-Metropolitan Ct

Ste B

Richmond, VA 23236

Fst Premier

601 S Minnesota Ave

Sioux Falls, SD 57104

Fst Premier

601 S Minneapolis Ave

Sioux Falls, SD 57104

Gentle Breeze Loans

P.O. Box 1120

Boulevard, CA 91905

Ginnys/Swiss Colony Inc

1112 7th Ave

Monroe, WI 53566

Glenside Medical Associates

4000-A Glendside Drive

Richmond, VA 23228

Horizon Fin

Attention: BSA & Fraud Department

Po Box 800

Michigan City, IN 46360

Household Finance Corp. of VA

PO Box 4153

Carol Stream, IL 60197-4153

Household Finance Corp. of VA

CT Corporation System

4701 Cox Road, Suite 285

Glen Allen, VA 23060

I.c. System Inc.

Po Box 64378

Saint Paul, MN 55164

Kohls/Capital One

N56 W 17000 Ridgewood Dr

Menomonee Falls, WI 53051

Kohls/Capital One

Kohls Credit

Po Box 3043

Milwaukee, WI 53201

LVNV Funding/Resurgent Capital

Po Box 10497

Greenville, SC 29603

Memorial Regional Med Center

P.O. Box 409438

Atlanta, GA 30384-9438

Mid America Bk/total C

5109 S Broadband Ln

Sioux Falls, SD 57108

Midland Funding

Attn: Bankruptcy

Po Box 939069

San Diego, CA 92193

Midnight Velvet

1112 7th Ave

Monroe, WI 53566

Midnight Velvet

Swiss Colony/Midnight Velvet

1112 7th Ave

Monroe, WI 53566

Mohela/Dept of Ed

633 Spirit Dr

Chesterfield, MO 63005

Navient

Po Box 9500

Wilkes Barre, PA 18773

Navient

Attn: Bankruptcy

Po Box 9500

Wilkes-Barr, PA 18773

Net Credit Financial

200 W Jackson Blvd Ste 2

Chicago, IL 60606

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Net Credit Financial

Po Box 645295

Cincinnati, OH 45264

Nissan Motor Acceptanc

Po Box 660360

Dallas, TX 75266

Portfolio Recovery

Po Box 41067

Norfolk, VA 23541

Portfolio Recovery

120 Corporate Blvd Ste 1

Norfolk, VA 23502

Professional Account Mgmt

PO Box 37038

Washington, DC 20013

Rep/build

Po Box 9203

Old Bethpage, NY 11804

Richmond Cardiology Assoc, Inc

Mark A. Fleckenstein, Reg Agen

311 South Boulevard

Richmond, VA 23220

Richmond Cardiology Assoc.

8243 Meadowbridge Rd

Mechanicsville, VA 23116

Richmond Gastroenterology Asso

5875 Bremo Rd #601

Richmond, VA 23226

Richmond Gastroenterology Asso

107 Wadsworth Drive

Richmond, VA 23236-4521

RNR Tires & Wheels

7601 W Broad St

Henrico, VA 23294

Shafer Law Firm

2000 Riveredge Pkwy

Atlanta, GA 30328

Southside Regional Med Center

Attention: Bankruptcy Dept.

PO Box 501128

Saint Louis, MO 63150

Southwest Credit Systems

4120 International Parkway Ste 1100

Carrollton, TX 75007

Specialized Loan Servicing

8742 Lucent Blvd Ste 300

Littleton, CO 80129

St Mary's Hospital

P.O. Box 1838

Columbus, OH 43216

Synchrony Bank

PO Box 956033

Orlando, FL 32896

Synchrony Bank/Amazon

Po Box 965015

Orlando, FL 32896

Synchrony Bank/Amazon

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

Synchrony Bank/Walmart

Po Box 965024

Orlando, FL 32896

Synchrony Bank/Walmart

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

Us Dept Ed

Po Box 4222

Iowa City, IA 52244

Us Dept Ed

Ecmc/Bankruptcy

Po Box 16408

St Paul, MN 55116

Verizon

Po Box 650584

Dallas, TX 75265

Verizon

Verizon Wireless Bankruptcy Admini

500 Tecnolgy Dr Ste 500

Weldon Springs, MO 63304

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