UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

ALEXANDRIA DIVISION

)

IN RE: )

)

WAHID M. AZIMI ) Case No. 18-10499-KHK

)

Debtor-in-possession ) Chapter 11

)

PLAN OF REORGANIZATION

The debtor, WAHID AZIMI, submits the following plan of reorganization:

ARTICLE I

Definitions

For purposes of this Plan and the accompanying Disclosure Statement, the definitions set 

forth in this Article shall apply and, unless otherwise indicated, the singular shall include the plural.

Section 1.01. Administrative Bar Date. The 90-day following the Effective Date of the

Plan.

Section 1.02. Administrative Claim. Any cost or expense of administration of the Case 

allowed under §503(B) of the Bankruptcy Code, other than a Professional Claim, proof of which 

is timely filed by the Administrative Bar Date, and any fees and charges assessed against the estate under 28 U.S.C.§1930.

Section 1.03. Allowed Administrative Priority Claim. An allowed claim under Bankruptcy Code §503(b) that is entitled to priority under Bankruptcy Code §507 (a)(1).

Section 1.04. Allowed Claim. Either

(a) A Claim which is listed in the schedules filed by the Debtor (as they may be 

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amended from time to time) and which is not scheduled as disputed, contingent or 

unliquidated and as to which no proof of Claim has been filed;

(b) a Claim as to which a timely proof of Claim has been filed and as to which 

proof of Claim no objection has been made within the time allowed for the making of 

objections or, if an objection has been made, the Claim has been allowed by a Final Order;

or

(c) a Claim which has been settled by agreement with the holder of the Claim and 

allowed by a Final Order.

Section 1.05. Allowed Priority Claim. That portion of an Allowed Claim entitled to priority under Bankruptcy Code Section 507 which is not an Allowed Administrative Priority Claim 

or Allowed Priority Tax Claim.

Section 1.06. Allowed Priority Tax Claim. That portion of Allowed Claim entitled to 

priority under §507 (a)(7) of the Bankruptcy Code.

Section 1.07. Allowed Secured Claim. Either

(a) that portion of an Allowed Claim to the extent it is equal to the value of the holder’s 

perfected security interest in the Debtor’s property securing such Allowed Claim or

(b) An Allowed Claim for which a valid election is made pursuant to §1111(b) of the 

Bankruptcy Code to have all of it treated as secured.

Section 1.08. Allowed Unsecured Claim. Any Allowed Claim which is not an Allowed 

Priority Claim, Allowed Priority Tax Claim, Allowed Administrative Priority Claim, or an Allowed Secured Claim.

Section 1.09. Assets. All of the property in each of the Debtors’ estates, within the 

meaning of §541 of the Bankruptcy Code.

Section 1.10. Avoidance Action. Any action or claim that could be brought by the debtor 

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pursuant to Subchapter III of Chapter 5 of the Bankruptcy Code, including one to avoid a transfer of property of the debtor’s estate or an interest of the debtor in property.

Section 1.11. Bankruptcy Code. The Bankruptcy Reform Act of 1978, 11 U.S.C. §101 et 

seq., as amended, including any future amendments.

Section 1.12. Bankruptcy Court. The United States Bankruptcy Court for the Eastern 

District of Virginia, Alexandria Division, the court in which this Reorganization Case was filed 

and is pending, the United States District Court for the Eastern District of Virginia, to the extent it 

may lawfully exercise Jurisdiction over the Reorganization Case, and any court having competent jurisdiction to hear appeals or certiorari proceedings therefrom.

Section 1.13. Bankruptcy Rules. The Federal Rules of Bankruptcy Procedure promulgated pursuant to 28 U.S.C. §2075, as amended from time to time, together with the Local Rules 

for the Bankruptcy Court, as no in effect or hereinafter amended.

Section 1.14. Bar Date. The date established by the Bankruptcy Court by which all proofs 

of claim must be filed in this case.

Section 1.15. Business Day. Any day other than a Saturday, Sunday or any other legal 

holiday as defined in Bankruptcy Rule 9006(a).

Section 1.16. Claim. A claim against a Debtor as defined in §101(4) of the Bankruptcy 

Code, whether arising before or after the entry of the order for relief, i.e.,

(a) a right to payment, whether or not such right is reduced to judgment, liquidated, 

unliquidated, fixed, contingent, matured, unmatured, disputed, undisputed, legal, equitable, 

secured, or unsecured; or

(b) a right to an equitable remedy for breach of performance if such breach gives rise to a 

right to payment, whether or not such right to an equitable remedy is reduced to judgment, fixed, 

contingent, matured, unmatured, disputed, undisputed, secured or unsecured. Interest accrued after 

the Filing Date shall not be part of any Claim except with respect to an Allowed Secured Claim to 

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the extent permitted by the provisions of §506 of the Bankruptcy Code.

Section 1.17. Class. A class of Claims under the Plan.

Section 1.18. Committee. The formal Committee of Unsecured Creditors, if any, appointed by the Office of the U. S. Trustee on, as it shall be constituted from time to time, and its 

authorized representatives.

Section 1.19. Confirmation Date. The date upon which the Confirmation Order is entered.

Section 1.20. Confirmation Order. The order of the Bankruptcy Court confirming this

Plan.

Section 1.21. Creditor. A holder of a Claim against a Debtor.

Section 1.22. Debtor. WAHID AZIMI.

Section 1.23. Disclosure Statement. The statement filed by the debtor in connection with 

this Plan and pursuant to §1125 of the Bankruptcy Code.

Section 1.24. Disputed Claim. Either

(a) a Claim which is listed in a Debtor’s schedules (as they may be amended from time to 

time) as disputed, unliquidated or contingent;

(b) a Claim to which an objection has been interposed, unless and until such Claim 

becomes an Allowed Claim; or in the event of an amendment to a Debtor’s schedules, the amount by

which the Claim as previously scheduled exceeds the Claim as amended.

Section 1.25. Distribution Account. The interest-bearing account or accounts which will 

be established for the Reorganization Case at a federally insured depository on the Effective Date 

of the Plan, into which all of the Debtor’s required payments shall be deposited, and from which 

distributions shall be made in accordance with the Reorganization Plan.

Section 1.26. Distribution Agent. The debtor.

 Section 1.27. Effective Date. The first (1st) business day after the date on which the ConCase 18-10499-KHK Doc 52 Filed 12/04/18 Entered 12/04/18 19:52:00 Desc Main

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firmation Order becomes a Final Order. 

Section 1.28. Estate. The estate created in this Case pursuant to §541 of the Bankruptcy

Code.

Section 1.29. Executory Contracts. All contracts and leases to which the Debtor was a 

party on the Petition Date and which are executory or unexpired within the meaning of §365 of the 

Bankruptcy Code.

Section 1.30. Final Distribution. The last distribution to be made from the Distribution 

Account after all payments of the Debtor which are required to be made are made, deposited into 

the Distribution Account and all Disputed Claims have been resolved by a Final Order.

Section 1.31. Final Order. An order or judgment of the Bankruptcy Court which has not 

been reversed, stayed, modified or amended and as to which the time to appeal or to seek 

certiorari or other review has expired and as to which no appeal or petition for certiorari or review 

is pending or as to which any right to appeal or to seek certiorari or review has been waived.

Section 1.32. Interest. An ownership interest of the debtor in one or more of the assets of 

the estate.

Section 1.33. Person. An individual, corporation, partnership, joint venture, trust, estate,

unincorporated association or organization, a governmental entity, any agency, or political subdivision thereof, or any other entity.

Section 1.34. Plan. This plan of reorganization, either in its present form or as it may be 

altered, modified or amended, from time to time.

Section 1.35. Plan Distribution Dates. As follows:

(a) as to the Unclassified Claims,

(i) for priority tax claims, the first (1st) day of the month following the Effective 

Date of the Plan and the first (1st) day of each month thereafter for a total of Forty-eight (48) 

payments.

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(ii) for other unclassified claims, the Effective Date of the Plan, or such other date 

as may be agreed upon by the debtors and the holder of the respective claim; and

(b) as to the Class 12 and 13 the date set forth in the loan documents; and

(c) as to Class 1, 5 and 9, the first day of the month following the Effective Date of the

Plan and the first day of each month thereafter for a total of Eighty-four

(84) payments; and

(d) as to Class 2, 3, 4, 6, 7, 8, 10 and 11, the first day of the month following the 

Effective Date of the Plan and the first day of each month thereafter for a total of Three 

Hundred Sixty (360) payments

except as modified herein; and

(e) as to the Class 14, the first day of Thirteenth month following the Effective Date and 

the same day of the next Ten (10) years.

Section 1.36. Professional. Any attorney, accountant, appraiser, consultant or other 

professional retained under an order of the Court on behalf of the Debtor or the Committee.

Section 1.37. Professional Claim. Any Claim under §503(b)(2) or (b)(4) of the Bankruptcy Code for compensation or reimbursement of a Professional, which arises at any time prior 

to the Confirmation Date.

Section 1.38. Reorganization Case. The Chapter 11 proceedings of WAHID AZIMI, which 

is pending in the United States Bankruptcy Court for the Eastern District of Virginia as Case No. 

18-10499-KHK.

Section 1.39. Schedules. The schedules of assets and liabilities and the statement of financial affairs filed by the debtor as required by §521 of the Code, as amended, modified or supplanted from time to time.

ARTICLE II

Designation and Treatment of Unclassified Claims

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Section 2.01. Administrative Claims. Holders of Administrative Claims shall file a proof 

of Administrative Claim on or before the Administrative Bar Date or their Administrative Claim 

shall be disallowed in their entirety. Allowed Administrative Claims shall be paid in full, without 

interest, on the later of the Effective Date or the date they are allowed by the Court, unless other 

payment arrangements are made between the Holder and the debtor. Administrative liabilities to 

the Internal Revenue Service, if any, shall be paid in the normal course of business, in full, with 

interest pursuant to 26 U.S.C., Sections 6621 and 6622 and penalties, if any. Notwithstanding any 

provision of the Plan, there shall be no requirement that the Internal Revenue Service file any 

request for payment of Administrative Expenses, nor any deadline for the filing of such requests. 

Nor shall the failure to pay such liabilities result in a discharge, injunction, exculpation, release or 

in any other manner defeat the United States’ right or ability to collect such liability pursuant to

the requirements of Title 26. The tax liabilities of debtor to the Internal Revenue

Service for any tax year or period which ends after the petition date shall constitute a post- petition 

liability to be paid in the normal course of business and shall not be subject to the terms of this 

Plan including the discharge/release provisions thereto

Section 2.02. Professional Claims. Holders of Professional Claims shall file applications 

for approval and payment of Professional Claims pursuant to §330 of the Bankruptcy Code. 

Objections to any such applications shall be filed in accordance to the applicable rules of court. 

Professional Claims (interim and final) shall be paid in full, from the Estate, within ten (10) days 

after the Court allows them, unless other payment arrangements are made between the Holder and 

the debtor.

Section 2.03. Allowed Priority Tax Claims. All Allowed Priority Tax claims, except that 

of the Internal Revenue Service, shall be paid in full by amortizing the Allowed Claims, with 

interest as provided by law, over Sixty (60) months. The unsecured priority claim of the Internal 

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Revenue Service is allowed in full as filed on its proof of claim and shall be paid in equal monthly 

payments within 5 years of the Order of Relief, with interest from the Confirmation Date at the 

rate of 4 percent pursuant to 26 U.S.C., Sections 6621 and 6622.

Section 2.04. Quarterly Fees. All quarterly fees owed pursuant to 28 USC §1930 shall be 

paid in full, with interest, from the Estate on or before the Effective Date, and each quarter thereafter 

as they come due until a final decree is entered in the Case. 

ARTICLE III

Classification and Treatment of Other Claims And Interests

Section 3.01. Class-1-‐Secured Claim of Shellpoint Mortgage Services (“Shellpoint”). 

Shellpoint is the holder of a promissory note in the original principal sum of $310,000 with an 

outstanding balance as of October 25, 2018, of $263,328.58 secured by a first deed of trust on the 

real property located at 13862 Greendale Drive, Woodbridge, Prince William, Virginia 

(“Greendale”). The Debtor will retain the Property and the allowed secured claim will paid by 

amortizing the secured amount over 30 years with interest at the rate of Two percent (2%). The 

monthly payment will be approximately $1,145 for 7 years and thereafter at a rate of Three percent 

(3%). If not sooner paid, any remaining balance shall be due in full ten (10) years from the Effective 

Date of the order confirming the plan of reorganization.

Except as modified herein, the original loan documents shall remain in full force and 

effect. Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall 

retain all of the liens securing its Allowed Claim pursuant to the underlying loan documents 

This claim is impaired. This claim is fully secured. The debtor believes that this debt is 

current.

Section 3.02. Class-2-‐Secured Claim of Ocwen Loan Servicing (“Ocwen”). Ocwen is the 

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holder of a promissory note in the original principal sum of $222,207 with an outstanding balance 

as of October 17, 2018 of $171,050.80 secured by a first deed of trust on the real property located 

at 4124 Glendale Road, Woodbridge, Prince William, Virginia (“Glendale”). 

The Debtor will retain the Property and the allowed secured claim will be paid by 

amortizing the secured amount over 40 years with interest at the rate of (4.21%). The monthly 

payment will be approximately $1,103.84 for 40 years. If not sooner paid, any remaining 

balance, including any deferred amount, shall be due in full ten (10) years from the Effective 

Date of the order confirming the plan of reorganization.

Except as modified herein, the original loan documents shall remain in full force and 

effect. Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall 

retain all of the liens securing its Allowed Claim pursuant to the underlying loan documents. 

This claim is fully secured.

This class is impaired.

Section 3.03. Class-3-‐Secured Claimof Wells FargoBank N.A. (“Wells”). Wellsis the holder 

of a promissory note in the original principal sum of $225,000 with an outstanding balance as of 

November 21, 2018 of $200,561.78 secured by a first deed of trust on the real property located at 

830 Belmont Bay Dr. Unit 204, Woodbridge, Prince William County, Virginia (“Belmont”). The 

claim is fully secured.

The Debtor will retain Belmont and the allowed secured claim will be paid by amortizing the

secured amount over 30 years with interest at the rate of Four and one--‐half percent (4.50%). The 

monthly payment will be approximately $1,140.04. If not sooner paid, any remaining balance shall 

be due in full thirty (30) years from the Effective Date of the order confirming the plan of

reorganization.

Wells alleges that the debtor is delinquent in payments in the sum of $7604. The debtor 

disputes this amount. If the parties are unable to agree to such an amount, then the debtor will seek a 

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court determination of any arrearage and it shall be cured over a 60-month period.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all the 

liens securing its Allowed Claim pursuant to the underlying loan documents.

This class is impaired.

Section 3.04. Class-4-‐Secured Claim of Select Portfolio Servicing (“SPS”). SPS is the

holder of a promissory note in the original principal sum of $400,000 with an outstanding balance 

as of October 15, 2018, of $353,189.23 secured by a first deed of trust on the real property located 

at 3649 Stonewall Manor Drive, Triangle, Prince William County, Virginia (“Stonewall”). The 

Debtor will retain the Property and the allowed secured claim will be paid by amortizing the 

secured amount over 30 years with interest at the rate of Four percent (4%). The monthly payment 

will be approximately $1,924. If not sooner paid, any remaining balance shall be due in full 30 

years from the Effective Date of the order confirming the plan of reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all 

of the liens securing its Allowed Claim pursuant to the underlying loan documents.

This claim is impaired.

Section 3.05. Class-5-‐Secured Claim of Ocwen Loan Servicing (“Ocwen”). Ocwen is the 

holder of a promissory note in the original principal sum of $180,000 with an outstanding balance 

as of October 17, 2018, of $177,060.34 secured by a first deed of trust on the real property located 

at 1530 Lincoln Way, Unit 302, McLean, Fairfax County, Virginia (“Lincoln”). 

The Debtor will retain the Property and the allowed secured claim will paid by amortizing 

the secured amount over 30 years with interest at the rate of Two percent (2%). The monthly 

payment will be approximately $665 for 7 years and thereafter at a rate of Three percent (3%). If 

not sooner paid, any remaining balance shall be due in full ten (10) years from the Effective Date 

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of the order confirming the plan of reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all 

the liens securing its Allowed Claim pursuant to the underlying loan documents. Any arrearage 

shall be due in full upon the date of the principal amount, or the debtor may seek a valuation of the 

secured claim and any unsecured claim to be paid as with other unsecured claims.

This claim is impaired.

Section 3.06. Class-6--‐Secured Claim of Mr. Copper (“MC”). MC is the holder of a 

promissory note in the original principal sum of $623,843.88 with an outstanding balance as of 

October 18, 2018, of $591,549.90 secured by a first deed of trust on the real property located at 

9055 Galvin Lane, Lorton, Fairfax County, Virginia (“Galvin”). 

The Debtor will retain the Property and the allowed secured claim will be paid by 

amortizing the secured amount over 30 years with interest at the rate of Two percent (2%). The 

monthly payment will be approximately $2,305 for 30 years. If not sooner paid, any remaining 

balance shall be due in full thirty (30) years from the Effective Date of the order confirming the 

plan of reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all 

the liens securing its Allowed Claim pursuant to the underlying loan documents.

MC alleges that the debtor is delinquent in payments in the sum of $9,223. The debtor 

disputes this amount. If the parties are unable to agree to such an amount, then the debtor will seek 

a court determination of any arrearage and it shall be cured over a 60-month period. This class is 

impaired.

Section 3.07. Class-7-‐Secured Claim of Mr. Copper (“MC”). MC is the holder of a 

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promissory note in the original principal sum of $ 92,398 with an outstanding balance as of October 

18, 2018, of $87,419.43 secured by a first deed of trust on the real property located at 5505 

Seminary Road, Unit 309N, Falls Church, Fairfax County, Virginia (“Seminary”).

The Debtor will retain the Property and the allowed secured claim will be paid by 

amortizing the secured amount over 30 years with interest at the rate of Two percent (2%). The 

monthly payment will be approximately $341. If not sooner paid, any remaining balance shall be 

due in full thirty (30) years from the Effective Date of the order confirming the plan of

reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all 

the liens securing its Allowed Claim pursuant to the underlying loan documents.

This claim is impaired.

Section 3.08. Class-8-‐Secured ClaimofWellsFargo Bank N.A. (“Wells”). Wells is the holder 

of a promissory note in the original principal sum of $504,000 with an outstanding balance as of 

November 16, 2018 of $454,404.37 secured by a first deed of trust on the real property located at 

8553 Barrow Furnace Lane, Lorton, Fairfax County, Virginia (“Barrow”). The claim is fully 

secured.

The Debtor will retain Barrow and the allowed secured claim will be paid by amortizing the

secured amount over 30 years with interest at the rate of Four and one--‐half percent (4.50%). The 

monthly payment will be approximately $2,553. If not sooner paid, any remaining balance shall be 

due in full thirty (30) years from the Effective Date of the order confirming the plan of

reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all the 

liens securing its Allowed Claim pursuant to the underlying loan documents.

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This class is impaired.

Section 3.09. Class-9-‐Secured Claim of DiTech Home Loans (“DiTech”). DiTech is the 

holder of a promissory note in the original principal sum of $180,000 with an outstanding balance 

as of October 27, 2018, of $86,347 secured by a first deed of trust on the real property located at 

7014 Calamo Street, Springfield, Fairfax County, Virginia (“Calamo”).

The Debtor will retain Calamo and the allowed secured claim will be paid by amortizing 

the secured amount over 30 years with interest at the rate of Two (2%). The monthly payment will 

be approximately $319 for 7 years and thereafter at a rate of Three percent (3%). If not sooner 

paid, any remaining balance shall be due in full ten (10) years from the Effective Date of the order 

confirming the plan of reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all 

the liens securing its Allowed Claim pursuant to the underlying loan documents.

This claim is impaired

Section 3.10. Class-10-‐Secured Claim of Mr. Copper (“MC”). MC is the holder of a 

promissory note in the original principal sum of $250,922.54 with an outstanding balance as of 

October 17, 2018, of $236,436.15 secured by a first deed of trust on the real property located at 

12000 Market Street, Suite 377, Reston, Fairfax County, Virginia (“Market”). 

The Debtor will retain the Property and the allowed secured claim will paid by amortizing 

the secured amount over 30 years with interest at the rate of Two (2%). The monthly payment will 

be approximately $927 for 30 years. If not sooner paid, any remaining balance shall be due in full 

thirty (30) years from the Effective Date of the order confirming the plan of reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all 

the liens securing its Allowed Claim pursuant to the underlying loan documents.

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This claim is impaired.

Section 3.11. Class-11-‐Secured Claim of Ocwen Loan Servicing LLC (“Ocwen”). Ocwen 

is the holder of a promissory note in the original principal sum of $98,029 with an outstanding 

balance as of October 17, 2018, of $96,956.44 secured by a first deed of trust on the real property 

located at 7813 Enola Street, Unit 107, McLean, Fairfax County, Virginia (“Enola”). 

The Debtor will retain Enola and the allowed secured claim will paid by amortizing the secured 

amount over 40 years with interest at the rate of Four and one percent (4.10%). The monthly payment 

will be approximately $415.82 for 40 years. If not sooner paid, any remaining balance shall be due 

in full Twenty-five (25) years from the Effective Date of the order confirming the plan of 

reorganization.

Except as modified herein, the original loan documents shall remain in full force and effect. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all of 

the liens securing its Allowed Claim pursuant to the underlying loan documents.

This class is impaired.

Section 3.12. Class 12–Secured Claim of Mr. Cooper (“MC”). MC is the holder of a 

promissory note in the original principal sum of $299,500 with an outstanding balance as of 

Octber, 18, 2018 of $185,007.11 secured by a first deed of trust on the Debtor’s residence located 

at 13901 Hydrangea Court, Woodbridge Virginia (the “Residence”). The Debtor will retain the 

Residence and continue to pay the monthly payments as they become due. The Debtor is current 

on this obligation.

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it 

shall retain all of the liens securing its Allowed Claim pursuant to the underlying loan 

documents.

MC alleges that the debtor is delinquent in payments in the sum of $6,126. The debtor disputes 

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this amount. If the parties are unable to agree to such an amount, then the debtor will seek a court 

determination of any arrearage and it shall be cured over a 60-month period.

This class is not impaired.

Section 3.13. Class- 13–Secured Claim of Bank of America (“BA”). BA is the holder of a 

promissory note in the original principal sum of $242,000 with an outstanding balance as of May 

31, 2018 of $287,409.22 secured by a second deed of trust on the Debtor’s residence located at 

13901 Hydrangea Court, Woodbridge Virginia (the “Residence”). The Debtor will retain the 

Residence and resume the monthly payments as they become due. The Debtor is delinquent on this

obligation and the arrearages of $45,409.77 are part of the outstanding balance. 

The debtor will pay interest only payment on $242,000 at the rate of 2% (Two Percent) for 7

years and thereafter at 3% (three percent) for 3 years. Any amount of arrearage is differed and 

shall be balloon in 15 years. If not sooner paid, any remaining balance shall be due in full

fifteen (15) years from the Effective Date of the order confirming the plan of reorganization. 

Until this Creditor has been paid the full amount of its Allowed Secured Claim, it shall retain all 

the liens securing its Allowed Claim pursuant to the underlying loan documents.

This class is not impaired.

Section 3.14. Class 14- Allowed Unsecured Claims

The following Creditors have general unsecured Claims in this case, in the following 

amounts totaling $57,578.

Discover Bank (Scheduled and proof of claim) $42

Branch Banking & Trust Co. (Proof of claim) $71

Pentagon FCU (Scheduled and proof of claim) $413

Chase Bank (Scheduled and proof of claim) $495

Chase Bank (Scheduled and proof of claim) $796

Merrick Bank $3,180

ASC (Under secured claim) $2,101

Wells Fargo (Under secured claim) $17,686

ASC (Under secured claim) $2,493

Ocwen (Under secured claim) $4,912

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BAC Home Loans Svc LP (Under secured claim) $3,123

BAC Home Loans Svc LP (Under secured claim) $183

BAC Home Loans Svc LP (Under secured claim) $5,284

Chase Mortgage (Under secured claim) $7,482

BB & T Co. (Under secured claim) $4,539

INOVA

AMCB 

NCC- for Fairfax Radiological Consul PC 

$2,317

$1,208

$302

Virginia Hospital Center 

American Anesthesiology 11

TrueGreen

$652

$299

$95

The Debtor will pay all Allowed Unsecured Claims in this class as follows. The Debtor 

will pay the Allowed Unsecured Claims of these Creditors Seven and one--‐half percent (7.5%) 

of the amount of each such claim in Ten (10) annual installments of Three quarters of one percent

(0.75%). The first such payment shall be due on the first day of the 13th month following the entry 

of the order confirming the Plan and annually thereafter.

This class is impaired.

Section 3.15. Class	15–Allowed	Interests.	The	Allowed	Interests	of	the	Debtor	shall	be

satisfied	by	the	reversion	from	the	estate	of	all	property	of	the	Estate	that	is	not	sold	under	

this	plan.	This	class	is	impaired	and	is	conclusively	presumed	to	have	rejected	the	Plan	under	

§	1126(g) of	the Code.

ARTICLE IV

Disputed Claims

If a negotiated resolution cannot be reached with respect to any Disputed Claim prior to 

the Effective Date, the holder of the Claim, the Debtor may have the Disputed Claim estimated by 

the Bankruptcy Court for the purpose of Allowance under §502(c) of the Code or the Distri- bution 

Agent shall reserve sufficient funds to cover fully the pro rata distribution that the holder of the 

Disputed Claim would receive if it were allowed in full. If, and to the extent, a Disputed Claim 

subsequently becomes an Allowed Claim, the appropriate pro rata distribution shall be made from 

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the reserve to the holder of such Claim as part of the next regular distribution to the holders of the 

Allowed Unsecured Claims. If a Disputed Claim is subsequently disallowed or allowed in part, the 

funds reserved shall be returned to the Debtor. No distributions shall be made on a Disputed Claim 

until it becomes an Allowed Claim.

ARTICLE V

Distribution Agent

The Debtor shall act as the Distribution Agent.

ARTICLE VI

Implementation of Plan

The Debtor shall pay to the Distribution Agent sufficient funds at least three (3) days prior 

to each distribution date. All property of the estate shall revert to the debtor upon confirma- tion 

of the plan.

ARTICLE VII

Discharge of all Claims

The rights afforded in this Plan shall be in exchange for and in complete satisfaction, 

discharge and release of all manner of actions, causes of action, suits, proceedings, debts, dues, 

contracts, judgments, damages, costs, Claims, and demands of any kind, whether in law, equity, 

or mixed (collectively “Actions”) existing on the Effective Date, whether known or unknown, 

against the Debtor and the Debtor’s estates, or any one of them, by reason of any action, failure to 

act, cause, or thing whatsoever occurring on or prior to the Effective Date. All creditors and other 

parties in interest of the Debtor shall be a judicial determination of discharge of all other Claims 

against the Debtor, except as provided in this plan. Confirmation of the plan does not discharge 

any debt provided for in the Plan until the Court grants a discharge on completion of all payments 

under the Plan, or as otherwise provided in §1141(d)(5) of the Code. Notwithstanding anything to 

the contrary contained in the Plan or the Confirmation Order, the Debtor shall not be discharged 

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from any obligation to the United States of America that is otherwise non-dischargeable pursuant 

to relevant Title 11, and non-Title 11 statutes. The Debtors agree that the priority tax claims set

forth on the proof of claim filed by the Internal Revenue Service are non-dischargeable in this 

proceeding.

ARTICLE VIII

Reservation of Rights in the Event of Rejection of Plan

In the event that any impaired Class Allowed Claims does not accept this Plan in accordance with Section 1129(a) of the Bankruptcy Code, the Debtor will request that the Bankruptcy 

Court confirm this Plan in accordance with the cram-down provisions of § 1129(b) of the Bankruptcy Code.

ARTICLE IX

Retention of Jurisdiction

The Bankruptcy Court shall retain jurisdiction of these case, for the following purposes:

(a) To determine any objections to the allowance of Claims, any controversy as to the 

classification of Claims or any controversy regarding the subordination of any Claim;

(b) To determine and fix all Claims arising from the rejection of any executory contracts 

or leases;

(c) To determine and fix all costs and expenses of administration of the Reorganization 

Cases, including fees of professional persons;

(d) To hear and determine any pending applications or adversary proceedings or 

contested matters, including proceedings, to recover preferences and fraudulent conveyances;

(e) To liquidate any Disputed Claims;

ARTICLE III

Classification and Treatment of Other Claims And Interests

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Section	 3.01.	 Class-1--Secured	 Claim	 of	 Shellpoint	 Mortgage	 Services	(“Shellpoint”).	

Shellpoint	is	the	holder	of	a	promissory	note	in	the	original	principal	sum	of	$310,000	with	

an	outstanding	balance	as	of	October	25,	2018,	of	$263,328.58	secured	by	a	first	deed	of	trust	

on	the	real	property	located	at	13862	Greendale	Drive,	Woodbridge,	Prince	William,	Virginia	

(“Greendale”).		The	Debtor	will	retain	the	Property	and the	allowed	secured	claim	will	paid	

by	amortizing	 the	secured	amount	over	30	years	with	interest	at	 the	rate	of	Two	percent	

(2%).	The	monthly	payment	will	be	approximately	$1,145	for	7	years	and	thereafter	at	a	rate	

of	Three	percent	(3%).	If	not	sooner	paid,	any	remaining	balance	shall	be	due	in	full	ten	(10)	

years	from	the	Effective	Date	of	the	order	confirming	the	plan	of reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all	of	the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents

This	claim	is	impaired. This	claim	is	fully	secured.	The	debtor	believes	that	this	debt	

is	current.

Section	3.02.	Class-2--Secured	Claim	of	Ocwen	Loan	Servicing	(“Ocwen”).	Ocwen	is	the	

holder	of	a	promissory	note	in	the	original	principal	sum	of	$222,207	with	an	outstanding	

balance	as	of	October	17,	2018	of	$171,050.80	secured	by	a	 first	deed	of	trust	on	the	real	

property	located	at	4124	Glendale	Road,	Woodbridge,	Prince	William, Virginia	(“Glendale”).	

The	Debtor	will	retain	the	Property	and	the	allowed	secured	claim	will	be	paid	by	

amortizing	the	secured	amount	over	40 years	with	interest	at	the	rate	of	(4.21%).	The	

monthly	payment	will	be	approximately	$737	for	40	years.	If	not	sooner	paid,	any	

remaining	balance,	including	any	deferred	amount, shall	be	due	in	full	ten	(10)	years	from	

the	Effective	Date	of	the	order	confirming	the	plan	of	reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

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effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all	of	the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	

documents. This	claim	is	fully	secured.

This	class	is	impaired.

Section	 3.03.	 Class-3--Secured	 Claim of	Wells	 Fargo Bank		N.A.		(“Wells”).	 Wells is	 the	

holder	of	a	promissory	note	in	the	original	principal	sum	of	$225,000	with	an	outstanding	

balance	as	of	November	21,	2018	of	$200,561.78 secured	by	a	first	deed	of	trust	on	the	real	

property	 located	 at	 830	 Belmont	 Bay	 Dr.	 Unit	 204,	 Woodbridge,	 Prince	 William	 County,	

Virginia (“Belmont”).	The	claim	is	fully	secured.

The	Debtor	will	retain	Belmont and	the	allowed	secured	claim	will	be	paid	by	amortizing

the secured amount over 30 years with interest at the rate of Four and one-- -half	 percent	

(4.50%).	 The	 monthly	 payment	 will	 be	 approximately	 $1,140.04. If	 not	 sooner	 paid,	 any	

remaining	balance	shall	be	due	in	 full	 thirty	 (30)	years	 from	 the	Effective	Date	of	 the	order	

confirming	the	plan	of reorganization.

Wells	alleges	that	the	debtor	is	delinquent	in	payments	in	the	sum	of	$7604.	The	debtor	

disputes	this	amount.	If	the	parties	are	unable	to	agree	to	such	an	amount,	then	the	debtor	will	

seek	a	court	determination	of	any	arrearage	and	it	shall	be	cured	over	a	60-month	period.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

This	class	is	impaired.

Section 3.04. Class-4--Secured Claim of Select	Portfolio	Servicing	(“SPS”). SPS	is the

holder of a	promissory	note	in	the	original	principal	sum	of	$400,000	with	an	outstanding	

balance	as	of	October	15,	2018,	of	$353,189.23	secured	by	a	first	deed	of	trust	on	the	real	

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property	located	at	3649	Stonewall	Manor	Drive,	Triangle,	Prince	William	County,	Virginia	

(“Stonewall”).	The	Debtor	will	retain	the	Property	and	the	allowed	secured	claim	will	be	paid	

by	amortizing	the	secured	amount	over	30	years	with	interest	at	the	rate of	Four	percent	

(4%).	The	monthly	payment	will	be	approximately	$1,924.	If	not	sooner	paid,	any	remaining	

balance	shall	be	due	in	full	30	years	from	the	Effective	Date	of	the	order	confirming	the	plan	

of reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all	of	the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

This	claim	is	impaired.

Section	3.05.	Class-5--Secured	Claim	of	Ocwen	Loan	Servicing	(“Ocwen”).	Ocwen	is	the	

holder	of	a	promissory	note	in	the	original	principal	sum	of	$180,000	with	an	outstanding	

balance	as	of	October	17,	2018,	of	$177,060.34	secured	by	a	first	deed	of	trust	on	the	real	

property	located	at	1530	Lincoln	Way,	Unit	302,	McLean,	Fairfax	County,	Virginia	(“Lincoln”).	

The	 Debtor	 will	 retain	 the	 Property	 and	 the	 allowed	 secured	 claim	 will	 paid	 by	

amortizing	the	secured	amount	over	30	years	with	interest	at	the	rate	of	Two	percent	(2%).	

The	monthly	 payment	will	 be	approximately	 $665	 for	 7	 years	and	 thereafter	at	a	 rate	 of	

Three	percent	(3%).	If	not	sooner	paid,	any	remaining	balance	shall	be	due	in	full	ten	(10)	

years	from	the	Effective	Date	of	the	order	confirming	the	plan	of reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan documents.

Any	arrearage	shall	be	due	in	full	upon	the	date	of	the	principal	amount,	or	the	debtor	may	

seek	 a	 valuation	 of	 the	 secured	 claim	 and	 any	 unsecured	 claim	 to	 be	 paid	 as	 with	 other	

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unsecured	claims.

This	claim	is	impaired.

Section 3.06. Class-6---Secured Claim of Mr.	 Copper (“MC”). MC	 is	 the	 holder	 of	 a	

promissory	note	in	the	original	principal	sum	of	$623,843.88	with	an	outstanding	balance	as	

of	October	 18,	 2018,	 of	 $591,549.90	 secured	 by	a	 first	 deed	 of	 trust	 on	 the	 real	property	

located	at	9055	Galvin	Lane,	Lorton,	Fairfax	County,	Virginia	(“Galvin”).	

The	Debtor	will	retain	 the	Property	and	 the	allowed	secured	claim	will	be	paid	by	

amortizing the secured amount over 30 years with interest at the rate of Two percent (2%). The	

monthly	 payment	 will	 be	 approximately	 $2,305	 for	 30	 years.	 If	 not	 sooner	 paid,	 any	

remaining	balance	shall	be	due	in	full	thirty	(30)	years	from	the	Effective	Date	of	the	order	

confirming	the	plan	of reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

MC alleges	that	the	debtor	is	delinquent	in	payments	in	the	sum	of	$9,223.	The	debtor	

disputes	this	amount.	If	the	parties	are	unable	to	agree	to	such	an	amount,	then	the	debtor	

will	seek	a	court	determination	of	any	arrearage	and	it	shall	be	cured	over	a	60-month	period.

This	class	is	impaired.

Section	 3.07.	 Class-7--Secured	 Claim	 of	 Mr.	 Copper	 (“MC”).	 MC	 is	 the	 holder	 of	 a	

promissory	note	in	the	original	principal	sum	of	$	92,398	with	an	outstanding	balance	as	of	

October	18,	2018,	of	$87,419.43	secured	by	a	first	deed	of	trust	on	the	real	property	located	

at	5505	Seminary	Road,	Unit	309N,	Falls	Church,	Fairfax	County,	Virginia	(“Seminary”).

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The	Debtor	will	retain	 the	Property	and	 the	allowed	secured	claim	will	be	paid	by	

amortizing	the	secured	amount	over	30	years	with	interest	at	the	rate	of	Two	percent	(2%).	

The	monthly	payment	will	be	approximately	$341.	If	not	sooner	paid,	any	remaining	balance	

shall	be	due	in	full	thirty	(30)	years	from	the	Effective	Date	of	the	order	confirming	the	plan	

of reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

This	claim	is	impaired.

Section	3.08.	Class-8--Secured	ClaimofWellsFargo	Bank		N.A.		(“Wells”).	Wells is	the	holder	

of	a	promissory	note	in	the	original	principal	sum	of	$504,000	with	an	outstanding	balance	

as	of	November	16,	2018	of	$454,404.37	secured	by	a	first	deed	of	trust	on	the	real	property	

located	at	8553	Barrow	Furnace	Lane,	Lorton,	Fairfax	County,	Virginia	(“Barrow”).	The	claim	

is	fully	secured.

The	Debtor	will	retain	Barrow	and	the	allowed	secured	claim	will	be	paid	by	

amortizing the secured amount over 30 years with interest at the rate of Four and one-- -half	

percent	(4.50%).	The	monthly	payment	will	be	approximately	$2,553.	If	not	sooner	paid,	any	

remaining	balance	shall	be	due	in	full	thirty	(30)	years	from	the	Effective	Date	of	the	order	

confirming	the	plan	of reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

This	class	is	impaired.

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Section	3.09.	Class-9--Secured	Claim	of	DiTech	Home	Loans	(“DiTech”).	DiTech is	the	

holder	of	a	promissory	note	in	the	original	principal	sum	of	$180,000	with	an	outstanding	

balance	 as	 of	 October	 27,	 2018,	 of	 $86,347	 secured	 by	 a	 first	 deed	 of	 trust	 on	 the	 real	

property	located	at	7014	Calamo	Street,	Springfield,	Fairfax	County,	Virginia	(“Calamo”).

The	 Debtor	 will	 retain	 Calamo	 and	 the	 allowed	 secured	 claim	 will	 be	 paid	 by	

amortizing	 the	 secured	amount	 over	 30	 years	with	interest	at	 the	 rate	 of	Two	 (2%).	The	

monthly	payment	will	be	approximately	$319	for	7	years	and	thereafter	at	a	rate	of	Three	

percent	(3%).	If	not	sooner	paid,	any	remaining	balance	shall	be	due	in	full	ten	(10)	years	

from	the	Effective	Date	of	the	order	confirming	the	plan	of reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

This	claim	is	impaired

Section	 3.10.	 Class-10--Secured Claim	 of	 Mr.	 Copper	(“MC”).	 MC	 is	 the	 holder	 of	 a	

promissory	note	in	the	original	principal	sum	of	$250,922.54	with	an	outstanding	balance	as	

of	October	 17,	 2018,	 of	 $236,436.15	 secured	 by	a	 first	 deed	 of	 trust	 on	 the	 real	property	

located	at	12000	Market Street,	Suite	377,	Reston,	Fairfax	County,	Virginia	(“Market”).	

The	 Debtor	 will	 retain	 the	 Property	 and	 the	 allowed	 secured	 claim	 will	 paid	 by	

amortizing	 the	 secured	amount	 over	 30	 years	with	interest	at	 the	 rate	 of	Two	 (2%).	The	

monthly	payment	will	be	approximately	$927	for	30	years.	If	not	sooner	paid,	any	remaining	

balance	shall	be	due	in	full	thirty	(30)	years	from	the	Effective	Date	of	the	order	confirming	

the	plan	of	reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

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retain	all the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

This	claim	is	impaired.

Section	3.11.	Class-11--Secured	Claim	of	Ocwen	Loan	Servicing	LLC	(“Ocwen”).	Ocwen	

is	 the	 holder	 of	 a	 promissory	 note	 in	 the	 original	 principal	 sum	 of	 $98,029	 with	 an	

outstanding	balance	as	of	October	17,	2018,	of	$96,956.44	secured	by	a	first	deed	of	trust	on	

the	real	property	located	at	7813	Enola	Street,	Unit	107,	McLean,	Fairfax	County,	Virginia	

(“Enola”).	

The	Debtor	will	retain	Enola	and	the	allowed	secured	claim	will	paid	by	amortizing the	secured	

amount	over	40	years	with	interest	at	the	rate	of	Four	and	one	percent	(4.10%).	The	monthly	

payment	will	be	approximately	$415.82	for	40	years.	If	not	sooner	paid,	any	remaining	balance	

shall	be	due	in	full	Twenty-five (25)	years	from	the	Effective	Date	of	the	order	confirming	the	

plan	of	reorganization.

Except	as	modified	herein,	the	original	loan	documents	shall	remain	in	full	force	and	

effect.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	shall	

retain	all	of	the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	documents.

This	class	is	impaired.

Section	 3.12.	 Class	 12–Secured	 Claim	 of	 Mr.	 Cooper	(“MC”).	 MC	 is	 the	 holder	 of	 a	

promissory	note	in	the	original	principal	sum	of	$299,500	with	an	outstanding	balance	as	of	

Octber,	18,	2018	of	$185,007.11	secured	by	a	first	deed of	trust	on	the	Debtor’s	residence	

located	at	13901	Hydrangea	Court,	Woodbridge	Virginia	(the	“Residence”).	The	Debtor	will	

retain	the	Residence	and continue	to	pay	the	monthly	payments	as	they	become	due.	The	

Debtor	is	current	on	this	obligation.

Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	Secured	Claim,	it	

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shall	retain	all	of	the	liens	securing	its	Allowed	Claim	pursuant	to	the	underlying	loan	

documents.

MC	alleges	that	the	debtor	is	delinquent	in	payments	in	the	sum	of	$6,126.	The	debtor	

disputes	this	amount.	If	the	parties	are	unable	to	agree	to	such	an	amount,	then	the	debtor	will	

seek	a	court	determination	of	any	arrearage	and	it	shall	be	cured	over	a	60-month	period.

This	class	is	not	impaired.

Section	3.13.	Class- 13–Secured	Claim	of	Bank	of	America	(“BA”).	BA	is	the	holder	of	a	

promissory	note	in	the	original	principal	sum	of	$242,000	with	an	outstanding	balance	as	of	

May	31,	2018	of	$287,409.22	secured	by	a	second	deed of	trust	on	the	Debtor’s	residence	

located	at	13901	Hydrangea	Court,	Woodbridge	Virginia	(the	“Residence”).	The	Debtor	will	

retain	the	Residence	and	resume	the	monthly	payments	as	they	become	due.	The	Debtor	is	

delinquent	on	this obligation	and	the	arrearages	of	$45,409.77	are	part	of	the	outstanding	

balance.	

The	debtor	will	pay	interest	only	payment	on	$242,000	at	the	rate	of	2%	(Two	

Percent)	for	7	years	and	thereafter at	3%	(three	percent)	for	3	years.		Any	amount	of	

arrearage	is	differed	and	shall	be	balloon	in	10	years.		If	not	sooner	paid,	any	remaining	

balance	shall	be	due	in	full	ten	(10)	years	from	the	Effective	Date	of	the	order	confirming	

the	plan	of	reorganization.	Until	this	Creditor	has	been	paid	the	full	amount	of	its	Allowed	

Secured	Claim,	it	shall	retain	all	the	liens	securing	its	Allowed	Claim	pursuant	to	the	

underlying	loan	documents.

This	class	is	not	impaired.

Section 3.13. Class	13- Allowed Unsecured Claims

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The	following	Creditors	have	general	unsecured	Claims	in	this	case,	in	the	following	

amounts	totaling	$60,060.

Discover	Bank	(Scheduled	and	proof	of	claim) –						($42) $564

Branch	Banking	&	Trust	Co.	(Proof	of	claim) –									($71) 938

Pentagon	FCU	(Scheduled	and	proof	of	claim)	-							($413) 5,497

Chase	Bank	(Scheduled	and	proof	of	claim)-												($495) 6,594

Chase	Bank	(Scheduled	and	proof	of	claim)-											($796) 10,617

Merrick	Bank																																																																			($3,180)																																

ASC	(Undersecured	claim)-																																									($2,101) 28,016

Wells	Fargo	(Undersecured	claim)-																							($17,686) 235,809

ASC	(Undersecured	claim)-																																							($2,493) 33,242

Ocwen	(Undersecured	claim)-																																	($4,912) 65,490

BAC	Home	Loans	Svc LP	(Undersecured	claim)-		($3,123) 41,637

BAC	Home	Loans	Svc LP	(Undersecured	claim)-			($183) 2,445

BAC	Home	Loans	Svc LP	(Undersecured	claim)-($5,284) 70,451

Chase	Mortgage	(Undersecured	claim)-																	($7,482) 99,765

BB	&	T	Co.	(Undersecured	claim)-																											($4,539) 60,524

INOVA	1

INOVA	2

AMCB	3

AMCB	4

NCC- for	Fairfax	Radialogical	Consul	PC	-5

$262

$371

$733

$475

$302

INOVA	6

INOVA	7

Virginia	Hospital	Center	8

INOVA	9

INOVA	10

American	Anesthesiology	11

$356

$120

$652

$733

$475

$299

The	Debtor	will	pay	all	Allowed	Unsecured	Claims	in	this	class	as	follows.	The	Debtor	

will pay the Allowed	 Unsecured	 Claims	 of	 these	 Creditors	 Seven	 and	 one-- -half	percent	

(7.5%)	of	the	amount	of	each	such	claim	in	Ten	(10)	annual	installments	of	Three	quarters

of one percent (0.75%). The first such payment shall be due on the first day of the

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13th	month	following	the	entry	of	the	order	confirming	the	Plan	and	annually	thereafter.

This	class	is	impaired.

Section 3.17. Class	17–Allowed	Interests.	The	Allowed	Interests	of	the	Debtor	shall		

be	satisfied	by	the	reversion	from	the	estate	of	all	property	of	the	Estate	that	is	not	sold	

under	this	plan.	This	class	is	impaired	and	is	conclusively	presumed	to	have	rejected	the	

Plan	under	§	1126(g)	of	the Code.

ARTICLE X

Default

The Debtor shall not be considered in default until such time as any payment due under 

the plan shall be more than thirty (30) days past due.

ARTICLE XI

Miscellaneous Provisions

Section 11.01. Notices. Unless a change of address is filed with the Court and served on 

all parties in interest, all notices required to be given under t he Plan shall be in writing and shall 

be mailed as follows:

If to the debtor, 

Wahid Azimi

13901 Hydrangea Drive

Woodbridge, VA 22193

With a copy to 

Bennett A. Brown 

3905 Railroad Avenue, Suite 200N 

Fairfax VA 22030 

Section 11.02. Governing Law. Except to the extent the Bankruptcy Code or Bankruptcy 

Rules are applicable the rights and obligations arising under the Plan shall be governed by, and 

construed and enforced in accordance with, the laws of the Commonwealth of Virginia without 

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giving effect to the principles of conflicts of law thereof

Section 11.03. Headings. The headings of the sections and paragraphs of the Plan are 

inserted for convenience only and shall not affect the interpretation hereof

Section 11.04. Amendments. The Plan may be altered, amended or modified only by the 

debtor before, on, or after the Confirmation Date as provided in the Plan or Bankruptcy Code § 

1127.

Section 11.05. Provision Unenforceable. Should the Bankruptcy Court determine, prior 

to the Confirmation Date, that any provision in the Plan is either illegal on its face or illegal as 

applied to any Claim or Interest, such provision shall be unenforceable as to the holders of 

Claims or Interests. Such a determination of unenforceability shall in no way limit or affect the 

enforceability and operative effect of any other provision of the Plan. The debtor reserves the 

right to modify or amend the Plan, in its sole discretion, in the event of such a determination.

Section 11.06. Revocation, Withdrawal or Amendment. The debtor reserves the right to 

withdraw the Plan any time prior to the Confirmation Date. If the debtor withdraws the Plan, or 

if the Confirmation Date or the Effective Date do not occur, then the Plan shall be deemed null 

and void, provided however that the debtor shall retain all rights under § 1127 of the Bankruptcy 

Code to modify the Plan at any time before its substantial consummation.

Section 11.07. Act on Business Day. Whenever the Plan requires an act to be performed 

on a day, which is not a Business Day, such act shall be performed on the first Business Day 

im- mediately following such day.

Section 11.08. Principles of Construction. The words “herein,” “hereof,” “hereunder” 

and other words of similar import refers to the Plan as a whole and not an any particular section, 

subsection or clause contained in the Plan unless the context requires otherwise. Whenever form 

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clude the singular and the plural, and pronouns stated in the masculine, feminine or neuter 

gender shall include the masculine, feminine and the neuter.

Dated: December 3, 2018 WAHID AZIMI

By counsel

/s/ Bennett A. Brown 

Bennett A. Brown, 

VSB#12583 Counsel for 

debtor

3905N Railroad Avenue, Suite 

200 Fairfax, VA 22030

Telephone: 703-591-3500; telefax: 703-591-

2185 e-mail: bennett@pcgalaxy.com

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CERTIFICATE OF SERVICE

I certify that a copy of this proposed plan of reorganization was or served electronically, 

this 3rd day of December 2018, to the following:

Jack I. Frnakel

OFFICE OF THE US TRUSTEE

115 S. Union Street, Suite 210

Alexandria, VA 22314

Counsel for US Trustee

/s/ Bennett A. Brown

Bennett A. Brown 

Counsel for debtor

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