UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

CHAPTER 13 PLAN - MODIFIED

AND RELATED MOTIONS

Name of Debtor(s):

Jermaine Algenon Johnson

Elona Nachay Johnson Case No: 16-30944-KRH

This plan, dated July 6, 2018 , is:

 the first Chapter 13 plan filed in this case.

 a modified Plan, which replaces the

confirmed or  unconfirmed Plan dated October 18, 2016 .

Date and Time of Modified Plan Confirmation Hearing:

 August 15, 2018 at 11:10 AM 

Place of Modified Plan Confirmation Hearing:

 701 E. Broad St., Rm 5000, Richmond, VA 

The Plan provisions modified by this filing are:

 All sections renumbered to conform to local form plan; 2: Modify Funding of Plan; 3-B: Omit Claims under 

11 U.S.C. 507; 3-C: Provide for Claims under 11 U.S.C. 507(a)(1); 6-A: Provide for Long-Term Payment 

Obligations; 12: Omit Nonstandard Plan Provisions 

Creditors affected by this modification are:

 DCSE, ACS, Navient, Department of Education 

1. Notices

To Creditors:

Your rights may be affected by this plan. Your claim may be reduced, modified, or eliminated. You should read this plan

carefully and discuss it 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 oppose the plan’s treatment of your claim or any provision of this plan, you or your attorney must file an objection to

confirmation at least 7 days before the date set for the hearing on confirmation, unless otherwise ordered by the Bankruptcy

Court. The Bankruptcy Court may confirm this plan without further notice if no objection to confirmation is filed. See

Bankruptcy Rule 3015. In addition, you may need to file a timely proof of claim in order to be paid under any plan.

The following matters may be of particular importance.

Debtors must check one box on each line to state whether or not the plan includes each of the following items. If an item is

checked as “Not Included” or if both boxes are checked, the provision will be ineffective if set out later in the plan.

A. A limit on the amount of a secured claim, set out in Section 4.A which may

result in a partial payment or no payment at all to the secured creditor

 Included  Not included

B. Avoidance of a judicial lien or nonpossessory, nonpurchase-money

security interest, set out in Section 8.A

 Included  Not included

C. Nonstandard provisions, set out in Part 12  Included  Not included

2. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of $474.23 per month for 29 months, then $800.00 per

month for 31 months.

Other payments to the Trustee are as follows:

The total amount to be paid into the Plan is $ 38,552.67 .

3. 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

Page 1

Software Copyright (c) 1996-2018 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 1 of 13
received under the plan.

2. Check one box:

 Debtor(s)’ attorney has chosen to be compensated pursuant to the “no-look” fee under Local Bankruptcy Rule 2016-1(C)(1)(a)

and (C)(3)(a) and will be paid $ 4,801.00 , balance due of the total fee of $ 5,100.00 concurrently with or prior to the

payments to remaining creditors.

 Debtor(s)' attorney has chosen to be compensated pursuant to Local Bankruptcy Rule 2016-1(C)(1)(c)(ii) and must submit

applications for compensation as set forth in the Local Rules.

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 pursuant to

3.C below:

Creditor Type of Priority Estimated Claim Payment and Term

County of Chesterfield Taxes and certain other debts 632.89 11.51

55 months

County of Prince George Taxes and certain other debts 386.44 7.03

55 months

C. Claims under 11 U.S.C. § 507(a)(1).

The following priority creditors will be paid prior to other priority creditors but concurrently with administrative

claims above.

Creditor Type of Priority Estimated Claim Payment and Term

DCSE Domestic support obligations 3,129.48 Prorata

27 months

4. 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 4(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 5 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 under §§ 362(a) and 1301(a) as to

the interest of the debtor(s), any co-debtor(s) and the estate in the collateral.

Creditor Collateral Description Estimated Value Estimated Total Claim

East End Auto Sales 2003 Ford Expedition 141,000

miles

6,175.00 4,300.00

Page 2

Software Copyright (c) 1996-2018 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 2 of 13
Creditor Collateral Description Estimated Value Estimated Total Claim

Langley Federal Credit Union 2013 Hyundai Sonata 50,000

miles

Mrs. Johnson's mother will

maintain direct payments on

this vehicle.

16,850.00 25,791.00

Langley Federal Credit Union 2013 Hyundai Elantra 60,000

miles

Mrs. Johnson's sister will

maintain direct payments on

this vehicle.

12,325.00 19,232.00

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 4(D) and/or 7(B) of the Plan, as

follows:

Creditor Collateral Adeq. Protection Monthly Payment To Be Paid By

Argent Federal Credit Union 2014 Hyundai Elantra 46000

miles

110.00 Trustee

Any adequate protection payment upon an unexpired lease of personal property assumed by the debtor(s) pursuant to section

7(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 those loans provided for in section 6 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 specified in sub-section A 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 Payment & 

Est. Term

Argent Federal Credit

Union

2014 Hyundai Elantra 46000

miles

22,325.00 4.5% 416.21

60months

E. Other Debts.

Debts which are (i) mortgage loans secured by real estate which is the debtor(s)’ principal 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 6 of the Plan.

5. 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 7 %. 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

-NONE6. Mortgage Loans Secured by Real Property Constituting the Debtor(s)’ Principal 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

Page 3

Software Copyright (c) 1996-2018 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 3 of 13
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. A default on the regular contract payments on the debtor(s)

principal residence is a default under the terms of the plan.

Creditor Collateral Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest Rate

Estimated Cure

Period

Monthly

Arrearage

Payment

ACS Student Loan -

Notice Only -

$64,000

0.00 0.00 0% 0months

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

on 

Arrearage

Monthly Payment on

Arrearage & Est. Term

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

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

payment under the Plan is due shall be paid by the Trustee during the term of the Plan as permitted by 11 U.S.C. §

1322(c)(2) with interest at the rate specified below as follows:

Creditor Collateral Interest Rate Estimated Claim Monthly Payment & Term

-NONE7. Unexpired Leases and Executory Contracts. The debtor(s) move for assumption or rejection of the executory contracts,

leases and/or timeshare agreements listed below.

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

contracts:

Creditor Type of Contract

Progressive Leasing Reject contract - cell phones

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

contracts. The debtor(s) agree to abide by all terms of the agreement. The Trustee will pay the pre-petition

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

indicated below.

Creditor Type of Contract Arrearage Monthly Payment for

Arrears

Estimated Cure Period

-NONE8. 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 Basis Exemption Amount Value of Collateral

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

will file and serve separate adversary proceedings 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.

Page 4

Software Copyright (c) 1996-2018 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 4 of 13
Creditor Type of Lien Description of Collateral Basis for Avoidance

-NONE9. Treatment and Payment of Claims.

• All creditors must timely file a proof of claim to receive any 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.

• If relief from the automatic stay is ordered as to any item of collateral listed in the plan, then, unless otherwise ordered by the

court, all payments as to that collateral will cease, and all secured claims based on that collateral will no longer be treated by

the plan.

• Unless otherwise ordered by the Court, the amount of the creditor’s total claim listed on the proof of claim controls over any

contrary amounts listed in the plan.

10. 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 transfer, 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.

11. 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, whether unsecured or secured, 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.

12. Nonstandard Plan Provisions

 None. If "None" is checked, the rest of Part 12 need not be completed or reproduced.

Page 5

Software Copyright (c) 1996-2018 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 5 of 13
Dated: July 6, 2018

/s/ Jermaine Algenon Johnson /s/ Stephen F. Relyea

Jermaine Algenon Johnson Stephen F. Relyea 77236

Debtor 1 Debtors' Attorney

/s/ Elona Nachay Johnson

Elona Nachay Johnson

Debtor 2

By filing this document, the Attorney for Debtor(s) or Debtor(s) themselves, if not represented by an attorney, also

certify(ies) that the wording and order of the provisions in this Chapter 13 plan are identical to those contained in the Local

Form Plan, other than any nonstandard provisions included in Part 12.

Exhibits: Copy of Debtor(s)’ Budget (Schedules I and J); Matrix of Parties Served with Plan

Certificate of Service

I certify that on July 6, 2018 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service List.

/s/ Stephen F. Relyea

Stephen F. Relyea 77236

Signature

P. O. Box 11588

Richmond, VA 23230

Address

(804) 358-9900

Telephone No.

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004

I hereby certify that on July 6, 2018 true copies of the forgoing Chapter 13 Plan and Related Motions were served upon the

following creditor(s):

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

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

/s/ Stephen F. Relyea

Stephen F. Relyea 77236

Page 6

Software Copyright (c) 1996-2018 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 6 of 13
Fill in this information to identify your case:

Debtor 1 Jermaine Algenon Johnson

Debtor 2 Elona Nachay Johnson

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 16-30944-KRH Check if this is:

(If known)  An amended filing

 A supplement showing postpetition chapter

13 income as of the following date:

 7/05/2018 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 Unemployed School Teahcer

Employer's name Hopewell Public School

Employer's address 103 N. 12th Street

Hopewell, VA 23860

How long employed there? 08/23/2011

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. $ 0.00 $ 3,725.66

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

4. Calculate gross Income. Add line 2 + line 3. 4. $ 0.00 $ 3,725.66

Official Form 106I Schedule I: Your Income page 1

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 7 of 13
Debtor 1

Debtor 2

Jermaine Algenon Johnson

Elona Nachay Johnson Case number (if known) 16-30944-KRH

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 0.00 $ 3,725.66

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 0.00 $ 607.34

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

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ 186.28

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

5e. Insurance 5e. $ 0.00 $ 253.04

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

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

5h. Other deductions. Specify: Minn Life 5h.+ $ 0.00 + $ 3.44

HSA $ 0.00 $ 216.66

United Way $ 0.00 $ 5.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 0.00 $ 1,271.76

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 0.00 $ 2,453.90

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:

Federal and State Tax Refunds

Amortized 8h.+ $ 489.00 + $ 0.00

Tutoring Income $ 0.00 $ 600.00

Anticipated Employment Income $ 800.00 $ 0.00

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 1,289.00 $ 600.00

10. Calculate monthly income. Add line 7 + line 9. 10. $ 1,289.00 + $ 3,053.90 = $ 4,342.90

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. $ 4,342.90

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:

Official Form 106I Schedule I: Your Income page 2

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 8 of 13
Fill in this information to identify your case:

Debtor 1 Jermaine Algenon Johnson Check if this is:

 An amended filing

Debtor 2 Elona Nachay Johnson  A supplement showing postpetition chapter

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

 7/05/2018

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

Case number 16-30944-KRH

(If known)

Official Form 106J

Schedule J: Your Expenses 12/15

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

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

number (if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

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

2. Do you have dependents?  No

Do not list Debtor 1 and

Debtor 2.

 Yes. Fill out this information for

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

Dependent’s relationship to

Debtor 1 or Debtor 2

Dependent’s

age

Does dependent

live with you?

Do not state the

dependents names. Daughter 15 Years

 No

 Yes

Daughter 17 years

 No

 Yes

Son 20 Years

 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. $ 550.00

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. $ 0.00

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 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 9 of 13
Debtor 1

Debtor 2

Jermaine Algenon Johnson

Elona Nachay Johnson Case number (if known) 16-30944-KRH

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 300.00

6b. Water, sewer, garbage collection 6b. $ 130.00

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

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

7. Food and housekeeping supplies 7. $ 831.00

8. Childcare and children’s education costs 8. $ 0.00

9. Clothing, laundry, and dry cleaning 9. $ 50.00

10. Personal care products and services 10. $ 75.00

11. Medical and dental expenses 11. $ 50.00

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

Do not include car payments. 12. $ 250.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 0.00

14. Charitable contributions and religious donations 14. $ 200.00

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. $ 243.00

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: 16. $ 0.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $ 348.00

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

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

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

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

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

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

Specify: 19.

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

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

20b. Real estate taxes 20b. $ 0.00

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

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

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

21. Other: Specify: Miscellaneous Expenses 21. +$ 65.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 3,542.00

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

22c. Add line 22a and 22b. The result is your monthly expenses. $ 3,542.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 4,342.90

23b. Copy your monthly expenses from line 22c above. 23b. -$ 3,542.00

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

The result is your monthly net income. 23c. $ 800.90

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:

Official Form 106J Schedule J: Your Expenses page 2

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 10 of 13
 Label Matrix for local noticing Commonwealth of Virginia, Dept. of Social Se United States Bankruptcy Court 

 0422-3 Bankruptcy Unit 701 East Broad Street 

 Case 16-30944-KRH 2001 Maywill Street Richmond, VA 23219-1888 

 Eastern District of Virginia Suite 200 

 Richmond Richmond, VA 23230-3236 

 Thu Jul 5 15:36:59 EDT 2018 

 ACS Advance Til Payday Argent Federal Credit Union 

 Re: 4311 Nine Mile Road Re: Bankruptcy 

 P.O. Box 7051 Richmond, VA 23223-4920 P.O. Box 72 

 Utica, NY 13504-7051 Chesterfield, VA 23832-0900 

 

 Arianna T. Mccray BLUE RIDGE FUNDING on behalf of Educational Ballato Law Firm, PC 

 4601 Woods Edge Road Credit Management Corporation/VA 203 East Cary Street 

 Colonial Heights, VA 23834-0000 c/o Educational Credit Management Corpor Suite 226 

 PO BOX 16408 Richmond, VA 23219-3798 

 St. Paul, MN 55116-0408 

 

 Best Buy/ CBNA Bestway RTO Capital One Bank (USA) N.A. 

 P.O. Box 6497 c/o Gregory K. Pugh, P.C. P.O. Box 70884 

 Sioux Falls, SD 57117-6497 2404 Princess Anne Road Charlotte, NC 28272-0884 

 Virginia Beach, VA 23456-3409 

 Chris Smith City of Richmond - Utilities (p)COMCAST 

 5209 9 Mile Road 730 E. Broad Street, Rm 102 676 ISLAND POND RD 

 Richmond, VA 23223-3313 Richmond, VA 23219-1861 MANCHESTER NH 03109-4840 

 Comenity/Victoria’s Secret Commonwealth of VA Commonwealth of Virginia 

 Attn: Bankruptcy Dept Office of the Attorney General Henrico County GDC 

 220 W. Schrock Road DCSE - Bankruptcy Unit P. O. Box 90775 

 Westerville, OH 43081-2873 2001 Maywill St. Ste. 200 Henrico, VA 23273-0775 

 Richmond, VA 23230-3236 

 

 County of Chesterfield County of Prince George Credit One Bank 

 Treasurer Office of the Commissioner PO Box 60500 

 P.O. Box 40 P.O. Box 155 City Of Industry, CA 91716-0500 

 Chesterfield, VA 23832-0903 Prince George, VA 23875-0155 

 Darmar II (p)DELL FINANCIAL SERVICES Delta Dental 

 605 Lynnhaven Pkwy Suite 200 P O BOX 81577 Re: Bankruptcy 

 Virginia Beach, VA 23452-7484 AUSTIN TX 78708-1577 4818 Starkey Road S.W. 

 Roanoke, VA 24018-8510 

 Department of Education Div. of Child Support Services (p)DIVISION OF CHILD SUPPORT ENFORCEMENT 

 900 Commerce Drive, Suite 320 NH Department of H & H S BANKRUPTCY UNIT 

 Oak Brook, IL 60523-8829 30 Maplewood Avenue 2001 MAYWILL STREET STE 200 

 Portsmouth, NH 03801-3712 RICHMOND VA 23230-3236 

 EAST END AUTO SALES, INC. East End Auto Sales First National Collection Bure 

 3114 WILLIAMSBURG RD. 12219 Washington Hwy 610 Waltham Way 

 RICHMOND, VA 23231-2232 Ashland, VA 23005-7645 Sparks, NV 89434-6695 

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 11 of 13
 John Randolph Medical Center John Randolph Medical Center LVNV Funding, LLC its successors and assigns 

 PO Box 13620 Resurgent Capital Services assignee of FNBM, LLC 

 Richmond, VA 23225-8620 PO Box 1927 Resurgent Capital Services 

 Greenville, SC 29602-1927 PO Box 10587 

 Greenville, SC 29603-0587 

 

 Langley Federal Credit Union Lydia Mccray M. Richard Epps, P.C. 

 Re: Bankruptcy 4601 Woods Edge Road Re: 

 P.O. 7463 Colonial Heights, VA 23834-0000 605 Lynnhaven Pkwy #200 

 Hampton, VA 23666-0463 VA Beach, VA 23452-7484 

 MERRICK BANK Merrick Bank Midland Funding LLC 

 Resurgent Capital Services Attn: Bankruptcy Dept. PO Box 2011 

 PO Box 10368 PO Box 9201 Warren MI 48090-2011 

 Greenville, SC 29603-0368 Old Bethpage, NY 11804-9001 

 NPRTO South-East, LLC Navient Navient Solutions Inc. on behalf of 

 256 West Data Drive P.O. Box 9635 Department of Education Services 

 Draper, UT 84020-2315 Wilkes Barre, PA 18773-9635 P.O. Box 9635 

 Wilkes-Barre PA. 18773-9635 

 Navient Solutions, Inc. on behalf of North Shore Agency, Inc. Office of the US Trustee 

 Educational Credit Management Corporatio RE: Bankruptcy 701 E. Broad Street 

 PO BOX 16408 5626 Frantz Road Room 4304 

 St. Paul, MN 55116-0408 Dublin, OH 43017-1559 Richmond, VA 23219-1885 

 (p)PORTFOLIO RECOVERY ASSOCIATES LLC Progressive Leasing Quantum3 Group LLC as agent for 

 PO BOX 41067 256 W Data Drive #100 Comenity Bank 

 NORFOLK VA 23541-1067 Draper, UT 84020-2315 PO Box 788 

 Kirkland, WA 98083-0788 

 Rewards 660 Richmond Emergency Physicians SYNCB/Car Care One 

 PO Box 23069 PO Box 79013 C/O PO Box 965036 

 Columbus, GA 31902-3069 Baltimore, MD 21279-0013 Orlando, FL 32896-0001 

 Sprint (p)SPRINT NEXTEL CORRESPONDENCE St. Mary’s Hospital 

 Attn: Bankruptcy Dept ATTN BANKRUPTCY DEPT Attn: Bankruptcy Dept 

 12502 Sprint PO BOX 7949 P.O. Box 100767 

 Reston, VA 20196-0001 OVERLAND PARK KS 66207-0949 Atlanta, GA 30384-0767 

 (p)T MOBILE TREASURER PRINCE GEORGE COUNTY Treasurer Chesterfield County 

 C O AMERICAN INFOSOURCE LP JEAN N. BARKER, TREASURER Attn: Laura Saxon 

 4515 N SANTA FE AVE PO BOX 156 PO Box 70 

 OKLAHOMA CITY OK 73118-7901 PRINCE GEORGE, VA 23875-0156 Chesterfield VA 23832-0906 

 U.S. Attorney’s Office U.S.Department of Education Verizon Wireless 

 919 East Main Street, Suite 1900 C/O FedLoan Servicing 500 Technology Drive 

 Richmond, VA 23219-4625 P.O.Box 69184 Suite 550 

 Harrisburg PA 17106-9184 Saint Charles, MO 63304-2225 

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 12 of 13
 Virginia State University CU Wells Fargo Bank Carl M. Bates 

 Re: Bankruptcy PO Box 5058 MAC P6053-021 P. O. Box 1819 

 3401 Boisseau Street Portland, OR 97208-5058 Richmond, VA 23218-1819 

 Petersburg, VA 23803-2021 

 

 Elona Nachay Johnson Emily Connor Kennedy Jermaine Algenon Johnson 

 7315 John Elizabeth Place Boleman Law Firm, P.C. 7315 John Elizabeth Place 

 Prince George, VA 23875-1829 P.O. Box 11588 Prince George, VA 23875-1829 

 Richmond, VA 23230-1588 

 Laura Taylor Alridge Mark C. Leffler Patrick Thomas Keith 

 Boleman Law Firm, P.C. Boleman Law Firm, P.C. Boleman Law Firm, PC 

 P.O. Box 11588 P.O. Box 11588 P.O. Box 11588 

 Richmond, VA 23230-1588 Richmond, VA 23230-1588 Richmond, VA 23230-1588 

 The preferred mailing address (p) above has been substituted for the following entity/entities as so specified 

 by said entity/entities in a Notice of Address filed pursuant to 11 U.S.C. 342(f) and Fed.R.Bank.P. 2002 (g)(4). 

 Comcast Dell Financial Services, LLC Division of Child Support Enforcement 

 Attn: Bankruptcy Dept Resurgent Capital Services Commonwealth of Va., Dept. of Social Scv 

 PO Box 3012 PO Box 10390 Virginia Div of Child Support Enforcemen 

 Southeastern, PA 19398-3012 Greenville, SC 29603-0390 2001 Maywill St. Ste 200 

 Richmond, VA 23230 

 

 Portfolio Recovery Associates, LLC Sprint Corp. T-Mobile 

 POB 41067 Attn Bankruptcy Dept Re: Bankruptcy 

 Norfolk VA 23541 PO Box 7949 P.O. Box 37380 

 Overland Park KS 66207-0949 Albuquerque, NM 87176-7380 

 (d)WEBBANK/DFS 

 1 Dell Way 

 Round Rock, TX 78682-0000 

 The following recipients may be/have been bypassed for notice due to an undeliverable (u) or duplicate (d) address. 

 (u)Midland Credit Management, Inc., as Agent End of Label Matrix 

 Mailable recipients 68 

 Bypassed recipients 1 

 Total 69 

Case 16-30944-KRH Doc 51 Filed 07/06/18 Entered 07/06/18 09:02:43 Desc Main

 Document Page 13 of 13