UNITED STATES BANKRUPTCY COURT 

FOR THE 

EASTERN DISTRICT OF VIRGINIA

Alexandria Division

In the Matter of:

Chapter 13

CLARENCE PAUL COLE

AND

SANDRA ANNETTE COLE

Case No. 18-11211-BFK

Debtors

MOTION TO DISMISS,

NOTICE OF MOTION TO DISMISS

AND

NOTICE OF SCHEDULED HEARING ON THIS MOTION

Thomas P. Gorman, Chapter 13 Trustee, has filed this motion to dismiss your Chapter 

13 case. The cause for this motion is as follows:

Pursuant to 11 U.S.C. §1307(c)(6) – Second Material default by Debtors as is 

reflected in the attached Trustee’s Report of Receipts and Disbursements. 

Trustee previously filed a Motion to Dismiss for material default which he 

withdrew when Debtors became current. Debtors have since again become 

delinquent and have not made a Plan payment since December, 2019. 

Your rights may be affected. You should read these papers carefully and 

discuss them with your attorney, if you have one in this bankruptcy case. (If you 

do not have an attorney, you may wish to consult one.)

If you do not wish the court to grant the relief sought in the motion, or if you 

want the court to consider your views on the motion, then on or before five business 

days prior to the hearing date, you or your attorney must:

File with the court a written response with supporting memorandum as required 

by Local Bankruptcy Rule 9013-1(H). Unless a written response and 

supporting memorandum are filed and served by the date specified, the Court 

may deem any opposition waived, treat the motion as conceded, and issue an 

order granting the requested relief without further notice or hearing. If you mail 

your response to the court for filing, you must mail it early enough so the court 

Case 18-11211-BFK Doc 66 Filed 03/06/20 Entered 03/06/20 13:21:44 Desc Main

Document Page 1 of 4
Notice and Motion to Dismiss

Clarence Paul Cole and Sandra Annette Cole, Case #18-11211-BFK 

will receive it on or before five business days prior to the scheduled hearing. 

You must mail a copy to the persons listed below.

Attend the hearing to be held on April 9, 2020 at 1:30 p.m. in Courtroom #1 on the 

2

nd floor, United States Bankruptcy Court, 200 South Washington Street, 

Alexandria, VA 22314. If no timely response has been filed opposing the relief 

requested, the court may grant the relief without holding a hearing.

A copy of any written response must be mailed to the following persons:

Thomas P. Gorman

300 North Washington Street, Ste. 400

Alexandria, VA 22314

Clerk of the Court

United States Bankruptcy Court

200 South Washington Street

Alexandria, VA 22314

If you or your attorney do not take steps, the court may decide that you do not 

oppose the relief sought in the motion and may enter an order granting that relief.

Date: __March 6, 2020_____ __/s/ Thomas P. Gorman______

Thomas P. Gorman

Chapter 13 Trustee

300 N. Washington Street, #400

Alexandria, VA 22314

(703) 836-2226

VSB 26421

CERTIFICATE OF SERVICE

I hereby certify that I have this 6

th day of March, 2020, served via ECF to authorized 

users or mailed a true copy of the foregoing Motion to Dismiss, Notice of Motion and 

Notice of Hearing to the following parties.

Clarence Paul Cole

Sandra Annette Cole

Chapter 13 Debtors

10045 Meetze Rd.

Midland, VA 22728 

John C. Morgan, Jr., Esquire

Attorney for Debtor

New Day Legal, PLLC. 

98 Alexandria Pike, Ste. 10

Warrenton, VA 20186 

___/s/ Thomas P. Gorman_____

Thomas P. Gorman

Case 18-11211-BFK Doc 66 Filed 03/06/20 Entered 03/06/20 13:21:44 Desc Main

Document Page 2 of 4
JOINT DEBTOR:

SCHEDULE: 916.00 MONTHLY

Thomas P. Gorman, Standing Chapter 13 Trustee

COLE, CLARENCE PAUL COLE, SANDRA ANNETTE 

INTERIM STATEMENT AS OF 03/06/2020

STATUS: BASE PLAN

CASE NO: 18-11211-BFK

DEBTOR: XXX-XX-8938 XXX-XX-2671

DATE FILED:

CONFIRMED:

TOTAL PAID: 13,546.00

04/05/2018

AKA:

10045 MEETZE RD.

MIDLAND, VA 22728

10045 MEETZE RD.

MIDLAND, VA 22728

12/16/19 MO 916.00

11/15/19 MO 916.00

10/31/19 MO 916.00

09/09/19 MO 916.00

08/05/19 MO 916.00

07/08/19 MO 916.00

06/06/19 MO 575.00

05/06/19 MO 575.00

04/08/19 MO 575.00

03/18/19 MO 1,000.00

03/18/19 MO 725.00

03/04/19 MO 575.00

11/05/18 MO 575.00

10/09/18 MO 575.00

LAST 12 TRANSACTIONS

Date Source Amount

PERCENTAGE: 1.000

PLAN: 60 MONTHS

1st PAYMENT DUE: 05/2018

Needed to Complete Base:

ATTORNEY:

ON SCHEDULE: 15,378.00

ACTUAL PAYMENTS:

AMOUNT BEHIND:

BASE:

1,832.00

13,546.00 50,186.00

36,640.00

PLAN AND FILED CLAIMS

CRED

NO

CLAIM NO CREDITOR NAME

CLAIM REMARK

PRIN. PAID

INT. PAID

PRIN. DUE

INT. DUE

INT. BEGIN ORG. CLAIM

INT. RATE ARREARS

DISB CODE CLASS

PAY%

FIX PAY

SCHED AMT

APPROVED

LAST DISB TO BE PAID

001 338377 SN SERVICING CORPORATON FIX SEC 7,666.01 25,068.45

100.00 6,454.91 0.00 0.00

641.86 32,734.46 32,734.46

12/2019 32,734.46 32,734.46

002 340615 FAST AUTO LOANS, INC PRO UNS 0.00 0.41

U/S PORTION 1.00 0.00 0.00 0.00

0.00 41.24 41.24

0.00 0.41

002 340615 FAST AUTO LOANS, INC FIX SEC 1,325.00 0.00

100.00 0.00 50.41 0.00

113.58 1,325.00 1,325.00

05/2019 1,325.00 1,325.00

04/05/2018

5.2500

003 279239 TREASURER - FAUQUIER COUNTY FIX SEC 412.07 737.93

100.00 50.42 92.13 9.69

25.21 3,674.83 1,150.00

12/2019 1,150.00 1,150.00

04/05/2018

5.2500

003 279239 TREASURER - FAUQUIER COUNTY PRO UNS 0.00 25.25

APP UNSECURED PORTION 0.00 0.00 0.00 1.00

0.00 0.00 2,524.83

2,524.83 25.25

004 348471 INDIAN ACRES CLUB PRO UNS 0.00 53.13

CLAIM FILED FULLY UNSECURED 0.00 0.00 0.00 1.00

0.00 5,312.59 5,312.59

5,312.59 53.13

005 347102 SPOTSYLVANIA COUNTY FIX SEC 205.30 0.00

100.00 0.00 0.00 0.00

25.00 205.30 205.30

04/2019 188.48 205.30

006 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

480.00 0.00

007 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

224.00 0.00

008 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

136.00 0.00

009 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

74.00 0.00

010 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

64.00 0.00

011 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

61.00 0.00

012 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

50.00 0.00

013 304992 AMERICAN COLLECTION ENTERPRISE, PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

50.00 0.00

014 340241 CITIBANK BANKRUPTCY DEPT PRO UNS 0.00 Not Filed

THE HOME DEPOT 0.00 0.00 1.00

0.00 0.00 0.00

623.00 0.00

015 329720 CREDIT CONTROL CORP PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

1,433.00 0.00

016 329720 CREDIT CONTROL CORP PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

633.00 0.00

017 329720 CREDIT CONTROL CORP PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

422.00 0.00

018 333506 DRLEONARDS PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

64.00 0.00

019 348312 DR. ZAREEN BABAR PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

675.00 0.00

020 348313 JL WALSTON & ASSOCIATES PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

423.00 0.00

021 348313 JL WALSTON & ASSOCIATES PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

199.00 0.00

LATEST 341:

06/26/2018

05/01/2018

NEW DAY LEGAL, PLLC

NEW DAY LEGAL, PLLC

98 ALEXANDRIA PIKE, STE. 10

WARRENTON, VA 20186

Phone:540 349-3232 Fax: 540 349-1278

Case Power® 12.1

by the date of the scheduled Chapter 13 Review Meeting.

Claims with an A code in the DISB/CODE column are placed on hold and need to be resolved. NO disbursements are being made to the creditor.

This is a progress report only and should not be used to calculate a payoff.

** Creditor has not filed a Proof of Claim. Accumulated funds will be released to other creditors if no claim is filed with the U.S. Bankruptcy Court

Case 18-11211-BFK Doc 66 Filed 03/06/20 Entered 03/06/20 13:21:44 Desc Main

Document Page 3 of 4
JOINT DEBTOR:

SCHEDULE: 916.00 MONTHLY

Thomas P. Gorman, Standing Chapter 13 Trustee

COLE, CLARENCE PAUL COLE, SANDRA ANNETTE 

INTERIM STATEMENT AS OF 03/06/2020

STATUS: BASE PLAN

CASE NO: 18-11211-BFK

DEBTOR: XXX-XX-8938 XXX-XX-2671

PLAN AND FILED CLAIMS

CRED

NO

CLAIM NO CREDITOR NAME

CLAIM REMARK

PRIN. PAID

INT. PAID

PRIN. DUE

INT. DUE

INT. BEGIN ORG. CLAIM

INT. RATE ARREARS

DISB CODE CLASS

PAY%

FIX PAY

SCHED AMT

APPROVED

LAST DISB TO BE PAID

022 348313 JL WALSTON & ASSOCIATES PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

171.00 0.00

023 332103 CAPITAL ONE, NA PRO UNS 0.00 24.68

1.00 0.00 0.00 0.00

0.00 2,468.10 2,468.10

2,468.00 24.68

024 332103 CAPITAL ONE, NA PRO UNS 0.00 6.15

1.00 0.00 0.00 0.00

0.00 614.78 614.78

614.00 6.15

025 338827 MIDLAND FUNDING LLC PRO UNS 0.00 6.96

SCH AMT UNKNOWN, FINGETHUT 0.00 0.00 0.00 1.00

0.00 696.29 696.29

0.00 6.96

026 338827 MIDLAND FUNDING LLC PRO UNS 0.00 Not Filed

AMT UNKNOWN 0.00 0.00 1.00

0.00 0.00 0.00

0.00 0.00

027 PORT PORTFOLIO RECOVERY ASSOCIATES PRO UNS 0.00 12.78

PEEBLES 1.00 0.00 0.00 0.00

0.00 1,277.69 1,277.69

1,278.00 12.78

028 PORT PORTFOLIO RECOVERY ASSOCIATES PRO UNS 0.00 6.79

1.00 0.00 0.00 0.00

0.00 679.45 679.45

679.00 6.79

029 PORT PORTFOLIO RECOVERY ASSOCIATES PRO SEC 0.00 1,409.76

AVOID IN 8A OF PLAN 0.00 0.00 0.00 100.00

0.00 1,409.76 1,409.76

1,854.00 1,409.76

030 309451 PRINCE WILLIAM CARDIOLOGY PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

384.00 0.00

031 348314 RETENTION ADVOCACY LEGAL GROUP PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00

032 327063 SANTANDER CONSUMER PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

6,000.00 0.00

033 LVNV LVNV FUNDING LLC. PRO UNS 0.00 54.27

SPRINGLEAF FINANCIAL 0.00 0.00 0.00 1.00

0.00 5,427.17 5,427.17

3,686.00 54.27

034 348231 TARGET PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

1,034.00 0.00

035 274690 THE FAUQUIER BANK PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

900.00 0.00

036 348315 TRANSWORLD SYSTEMS INC. PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

119.00 0.00

037 305153 UNITED CONSUMERS, INC PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

271.00 0.00

038 269241 VALLEY CREDIT SVC PRO UNS 0.00 Not Filed

1.00 0.00 0.00

0.00 0.00 0.00

86.00 0.00

039 348316 RTO NATIONAL, LLC FIX SEC 0.00 97.02

100.00 80.85 0.00 0.00

16.17 97.02 97.02

97.02 97.02

040 348515 UVA MEDICAL CENTER PRO UNS 0.00 18.75

UNLISTED - NO RESP - ALLOW & PAY 0.00 0.00 0.00 1.00

0.00 1,874.55 1,874.55

0.00 18.75

041 346466 UVA PHYSICIAN'S GROUP PRO UNS 0.00 1.14

UL-BULLCITYFINANCIAL-NO RESP- ALLO 1.00 0.00 0.00 0.00

0.00 114.30 114.30

0.00 1.14

799 MORGAN NEW DAY LEGAL, PLLC PRO ATY 3,000.00 0.00

100.00 0.00 0.00 0.00

0.00 5,223.00 3,000.00

10/2018 5,223.00 3,000.00

TOTALS: 13,379.86 27,523.47

Trustee Administrative Fees 771.48

6,586.18

61,724.01

ADMIN ATTORNEY PRIORITY SECURED UNSECURED OTHER

40,903.33 142.54 9.69

771.48

821.82 63,175.53

PAID BY TRUSTEE: 0.00 3,000.00 0.00 9,608.38 0.00 0.00

0.00 0.00 0.00 27,313.16 210.31 0.00

0.00 0.00 0.00 9.69 0.00 0.00

0.00 0.00 0.00 0.00 0.00

BALANCE DUE: 0.00 0.00 27,322.85 210.31 0.00

0.00

0.00

SUB TOTAL:

INTEREST DUE:

CONTINUING:

PAID BY 3rd PARTY: 0.00 0.00 0.00 0.00 0.00 0.00

DUE CREDITORS: 27,533.16

EXPECTED ADMIN: 1,818.33

LESS AVAILABLE: 23.60

APPROX BALANCE: 29,327.89

CLAIM AMOUNT: 0.00 3,000.00 0.00 36,921.54 210.31 0.00

SCHED AMOUNT: 0.00 5,223.00 0.00 37,348.96 31,138.42 0.00

73,710.38

Case Power® 12.1

by the date of the scheduled Chapter 13 Review Meeting.

Claims with an A code in the DISB/CODE column are placed on hold and need to be resolved. NO disbursements are being made to the creditor.

This is a progress report only and should not be used to calculate a payoff.

** Creditor has not filed a Proof of Claim. Accumulated funds will be released to other creditors if no claim is filed with the U.S. Bankruptcy Court

Case 18-11211-BFK Doc 66 Filed 03/06/20 Entered 03/06/20 13:21:44 Desc Main

Document Page 4 of 4