UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

In re: Lolita Cheatham Case No.: 16-31848-KLP 

 Debtor(s) Chapter 13 

AFFIDAVIT of Lolita Cheatham 

 BEFORE ME, the undersigned authority, personally appeared Lolita Cheatham, 

known to me, and upon their oath stated as follows:

1. My name is Lolita Cheatham. I am above the age of 18 years and competent to 

make this affidavit. I have personal knowledge of the facts set forth in this 

affidavit. 

2. I am the Debtor(s) in the present bankruptcy case. 

3. I reside at 10254 Brading Ln Midlothian, VA 23112 

4. I have income from my employment with Thompson Construction Group, 

respectively. I also receive SNAP benefits 

5. My income is stable, and I do not expect it to decrease during the term of my 

Chapter 13 plan. 

6. Prior to this case, I was involved in 1 previous case which was filed on 

10/24/2014 (case number 14-35714). 

7. The case was dismissed on 11/2/2015 because of failure to make plan payments 

due to job loss. 

8. Prior to this case, I was also involved in one other case: a Chapter 7 case filed on 

12/12/1995 and discharged on 3/21/1996 (case number 95-35396). 

9. I believe that the stability in my income will enable me to successfully complete 

this bankruptcy case. 

10. I have listed all of my assets and all of my debts and have fully and accurately 

disclosed all of my income and expenses in the Schedules in this case. 

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11. I have incurred new debt since my last case. 

a. $250 lease arrears to Extra Space Stoage. 

b. Approximately $4,000 in unsecured debt, primarily for medical bills and 

utilities. 

c. $1,128.00 tax debt. 

12. The following is a list of our/my debt and how it will be treated in my new case: 

i) Arrears: 

(1) Extra Space Storage: $250.00. 

ii) Priority tax debt: 

(1) IRS: $1,128.00. 

iii) Secured Creditors to be paid in plan: 

(1) Credit Acceptance: $3,375.00 plus 5.25% interest. 

 

iv) Unsecured non priority creditors: $25,038.00, which my plan proposes to pay 

a minimum dividend of 1.00 %. 

13. My employment and income is consistent and is likely to remain so during my 

case. My expenses are not likely to change substantially. My income leads me to 

believe I will be able to make my payments to the Trustee. 

14. My plan pays $100.00 per month for two months to the Trustee for two (2) 

months, then my plan pays $240.00 per month for forty-nine (49) months, which 

is all of my disposable income, for a total pay in of $11,960.00. 

15. My debts arose as a result of trying to make ends meet. The debt I have has 

accumulated over several years and was not the result of any purchases of luxury 

goods or services. I have also not taken cash advances since the dismissal of omy 

Prior Case or otherwise used credit abusively. 

15. I desire to use the bankruptcy system to obtain a fresh start and have not been 

attempting to evade my responsibilities or delay my creditors’ attempts to collect. 

The purpose of my bankruptcy filing is to re-pay my creditors the amount I can 

afford, to retain my vehicle, and to obtain a discharge of my indebtedness. 

 Further Affiant sayeth not. 

 

 

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WITNESS the following signature and seal 4/26/2016 

 /s/ _Lolita Cheatham____ (seal) 

 Lolita Cheatham 

 CERTIFICATE OF ACKNOWLEDGMENT: 

Commonwealth of Virginia, 

City/County of Henrico, to wit: 

 The foregoing instrument was acknowledged before me on 4/26/2016, by Lolita 

Cheatham 

/s/ Sara Herbert l

 Notary Public 

My Commission Expires: __1/31/2018___ 

My Registration No. is: ____7362972____ 

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Certificate of Service 

I hereby certify that I on April 26, 2016, I have mailed or hand-delivered a true copy of 

the foregoing Affidavit to the parties listed on the attached service list. 

 /s/ Richard J. Oulton 

 Richard J. Oulton, Esq. 

Creditors 

Bon Secours 

PO Box 28538 

Henrico, VA 23228-0000 

Cavalry Investments LLC 

500 Summit Lake Dr. Ste 400 

Valhalla, NY 10595-0000 

Cavalry Portfolio Services 

500 Summit Lake Drive, Ste 400 

Valhalla, NY 10595-1340 

Central Credit/Penn Cr 

Attn: Bankruptcy 

PO Box 988 

Harrisburg, PA 17108-0000 

Check City 

PO Box 970183 

Orem, UT 84097-0000 

Check City 

re: Bankruptcy 

6001 West Broad Street 

Richmond, VA 23230-0000 

CHECK CITY 

2729-B WEST BROAD ST. 

RICHMOND, VA 23220 

CJW Medical Center 

PO Box 13620 

Richmond, VA 23225-0000 

Convergent Outsourcing 

10750 Hammerly Blvd #200 

Houston, TX 77043-0000 

Credit Acceptance 

25505 W 12 Mile Rd, Ste 2300 

Southfield, MI 48034-0000 

Dominion Virginia Power

PO Box 26543 

Richmond, VA 23290-0001 

DriveTime Credit Co 

attn: Bankruptcy 

PO Box 29018 

Phoenix, AZ 85038-0000 

Eastern Account System of Conn

PO Box 837 

Newtown, CT 06470-0000 

Enhanced Recovery Corporation

8014 Bayberry Rd 

Jacksonville, FL 32256-7412 

Extra Spce Storage 

7000 Hull Street Rd 

Richmond, VA 23224-0000 

HCA Henrico Doctors Hospital 

1602 Skipwith Road 

Henrico, VA 23229-0000 

Henrico Doctor's Hospital 

PO Box 13620 

Richmond, VA 23225-8620 

International Collection Servi 

c/o Jefferson Capital Systems 

PO Box 7999 

Saint Cloud, MN 56302-0000 

Jefferson Capital Systems 

16 McLeland Rd 

Saint Cloud, MN 56303-0000 

MCV Associated Physicians 

830 E Main St 

Suite 1900 

Richmond, VA 23219-0000 

National Credit Systems 

PO Box 312125 

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Atlanta, GA 31131-2125 

Navy Federal Credit Union 

PO Box 3000 

Merrifield, VA 22119-3000 

Parrish and LeBar, LLP 

5 E Franklin St. 

Richmond, VA 23219-0000 

Resurgent Capital Services 

PO Box 10587 

Greenville, SC 29603-0587 

Seventh Avenue 

re: Bankruptcy Dep't 

112 7th Ave 

Monroe, WI 53566-1364 

Spinella, Owings & Shaia 

8550 Mayland Dr, Ste 1 

Henrico, VA 23294-0000 

Sprint 

Attn: Bankruptcy Dept 

4900 W. 95th Street 

Oak Lawn, IL 60453-0000 

Sprint Corp 

attn: Bankruptcy Dept 

PO Box 7949 

Overland Park, KS 66207-0000 

Sprint PCS 

PO Box 54977 

Los Angeles, CA 90017-0000 

Suntrust Bank 

Support Services/RW 7941 

PO Box 85052 

Richmond, VA 23286-0000 

Town and Country Apts 

1402-D Barriedale Road 

Richmond, VA 23225-0000 

VCU Health System -- MCV Hosp.

Set-off Debt Section 

PO Box 980462 

Richmond, VA 23298-0462 

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