Official Form 410 Proof of Claim page 1

2IILFLDO)RUP 410 

Proof of Claim 12/15

Read the instructions before filling out this form. This form is for making a claim for payment in a bankruptcy case. Do not use this form to 

make a request for payment of an administrative expense. Make such a request according to 11 U.S.C. § 503. 

Filers must leave out or redact information that is entitled to privacy on this form or on any attached documents. Attach redacted copies of any 

documents that support the claim, such as promissory notes, purchase orders, invoices, itemized statements of running accounts, contracts, judgments, 

mortgages, and security agreements. Do not send original documents; they may be destroyed after scanning. If the documents are not available, 

explain in an attachment. 

A person who files a fraudulent claim could be fined up to $500,000, imprisoned for up to 5 years, or both. 18 U.S.C. §§ 152, 157, and 3571. 

Fill in all the information about the claim as of the date the case was filed. That date is on the notice of bankruptcy (Form 309) that you received.

Part 1: Identify the Claim 

1. Who is the current

creditor? ___________________________________________________________________________________________________________ 

Name of the current creditor (the person or entity to be paid for this claim) 

Other names the creditor used with the debtor ________________________________________________________________________

2. Has this claim been

acquired from

someone else?

 No

 Yes. From whom? ______________________________________________________________________________________________________

3. Where should notices

and payments to the

creditor be sent?

Federal Rule of

Bankruptcy Procedure

(FRBP) 2002(g)

Where should notices to the creditor be sent? Where should payments to the creditor be sent? (if 

different)

_____________________________________________________ 

Name

______________________________________________________ 

Number Street 

______________________________________________________ 

City State ZIP Code 

Contact phone ________________________ 

Contact email ________________________ 

_____________________________________________________ 

Name

______________________________________________________ 

Number Street 

______________________________________________________ 

City State ZIP Code

Contact phone ________________________ 

Contact email ________________________

Uniform claim identifier for electronic payments in chapter 13 (if you use one):

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ 

4. Does this claim amend

one already filed?

 No

 Yes. Claim number on court claims registry (if known) ________ Filed on ________________________

MM / DD / YYYY

5. Do you know if anyone

else has filed a proof

of claim for this claim?

 No

 Yes. Who made the earlier filing? _____________________________

Debtor 1 __________________________________________________________________ 

Debtor 2 ________________________________________________________________ 

(Spouse, if filing)

United States Bankruptcy Court for the: __________ District of __________

Case number ___________________________________________ 

Fill in this information to identify the case: 

Christy Whitner

Eastern District of Virginia

16-31270

Porania LLC

✔ Cooper Financial LLC

c/o Biltmore Asset Management

24500 Center Ridge Rd Ste 472

Westlake OH 44145

8556557700

adanner@biltmoreasset.com

✔

✔

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Part 2: Give Information About the Claim as of the Date the Case Was Filed 

6. Do you have any number

you use to identify the

debtor?

 No

 Yes. Last 4 digits of the debtor’s account or any number you use to identify the debtor: ____ ____ ____ ____

7. How much is the claim? $_____________________________. Does this amount include interest or other charges? 

 No

 Yes. Attach statement itemizing interest, fees, expenses, or other

charges required by Bankruptcy Rule 3001(c)(2)(A).

8. What is the basis of the

claim?

Examples: Goods sold, money loaned, lease, services performed, personal injury or wrongful death, or credit card. 

Attach redacted copies of any documents supporting the claim required by Bankruptcy Rule 3001(c). 

Limit disclosing information that is entitled to privacy, such as health care information. 

______________________________________________________________________________

9. Is all or part of the claim

secured?

 No

 Yes. The claim is secured by a lien on property.

Nature of property:

 Real estate. If the claim is secured by the debtor’s principal residence, file a Mortgage Proof of Claim

Attachment (Official Form 410-A) with this Proof of Claim.

 Motor vehicle

 Other. Describe: _____________________________________________________________ 

Basis for perfection: _____________________________________________________________

Attach redacted copies of documents, if any, that show evidence of perfection of a security interest (for 

example, a mortgage, lien, certificate of title, financing statement, or other document that shows the lien has 

been filed or recorded.)

Value of property: $__________________

Amount of the claim that is secured: $__________________

Amount of the claim that is unsecured: $__________________ (The sum of the secured and unsecured 

amounts should match the amount in line 7.)

Amount necessary to cure any default as of the date of the petition: $____________________ 

Annual Interest Rate (when case was filed)_______% 

 Fixed

 Variable

10. Is this claim based on a

lease?

 No

 Yes. Amount necessary to cure any default as of the date of the petition. $____________________ 

11. Is this claim subject to a

right of setoff?

 No

 Yes. Identify the property: ___________________________________________________________________

✔ 7341

680.00

✔

Payday Loan

✔

✔

✔

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12. Is all or part of the claim

entitled to priority under

11 U.S.C. § 507(a)?

A claim may be partly

priority and partly

nonpriority. For example,

in some categories, the

law limits the amount

entitled to priority.

 No

 Yes. Check all that apply: Amount entitled to priority 

 Domestic support obligations (including alimony and child support) under

11 U.S.C. § 507(a)(1)(A) or (a)(1)(B). $____________________

 Up to $2,775* of deposits toward purchase, lease, or rental of property or services for

personal, family, or household use. 11 U.S.C. § 507(a)(7). $____________________ 

 Wages, salaries, or commissions (up to $12,475*) earned within 180 days before the

bankruptcy petition is filed or the debtor’s business ends, whichever is earlier.

11 U.S.C. § 507(a)(4).

$____________________ 

 Taxes or penalties owed to governmental units. 11 U.S.C. § 507(a)(8). $____________________ 

 Contributions to an employee benefit plan. 11 U.S.C. § 507(a)(5). $____________________ 

 Other. Specify subsection of 11 U.S.C. § 507(a)(__) that applies. $____________________ 

* Amounts are subject to adjustment on 4/01/16 and every 3 years after that for cases begun on or after the date of adjustment.

Part 3: Sign Below 

The person completing 

this proof of claim must 

sign and date it. 

FRBP 9011(b). 

If you file this claim 

electronically, FRBP 

5005(a)(2) authorizes courts 

to establish local rules 

specifying what a signature 

is.

A person who files a 

fraudulent claim could be 

fined up to $500,000, 

imprisoned for up to 5 

years, or both. 

18 U.S.C. §§ 152, 157, and 

3571. 

Check the appropriate box: 

 I am the creditor.

 I am the creditor’s attorney or authorized agent.

 I am the trustee, or the debtor, or their authorized agent. Bankruptcy Rule 3004.

 I am a guarantor, surety, endorser, or other codebtor. Bankruptcy Rule 3005.

I understand that an authorized signature on this Proof of Claim serves as an acknowledgment that when calculating the 

amount of the claim, the creditor gave the debtor credit for any payments received toward the debt. 

I have examined the information in this Proof of Claim and have a reasonable belief that the information is true 

and correct. 

I declare under penalty of perjury that the foregoing is true and correct. 

Executed on date _________________ MM / DD / YYYY

________________________________________________________________________

Signature 

Print the name of the person who is completing and signing this claim:

Name _______________________________________________________________________________________________

First name Middle name Last name 

Title _______________________________________________________________________________________________ 

Company _______________________________________________________________________________________________ 

Identify the corporate servicer as the company if the authorized agent is a servicer.

Address _______________________________________________________________________________________________

Number Street

_______________________________________________________________________________________________

City State ZIP Code

Contact phone _____________________________ Email ____________________________________

MM / DD / YY

___________________________

Signature

✔

✔

07/12/2016

Amy Danner

President

Biltmore Asset Management

24500 Center Ridge Rd Ste 472

Westlake OH 44145

8556557700 adanner@biltmoreasset.com

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Statement under FED. R. BANKR. P. 3001(c)(1) of the Circumstances of the 

Loss or Destruction of the Writing Upon Which the Claim is Based 

Porania, LLC purchased this claim from Cooper Financial LLC (“Seller”). 

In connection with purchasing the claim, Porania, LLC requested that the Seller provide the 

underlying agreements, applications or other writings (collectively “media”) upon which the claim 

is based. 

In response to Porania, LLC’s above-described request, Seller represented and warranted to 

Porania, LLC that the media underlying the claim had been lost or destroyed, and that Seller’s 

document retention policy does not require that such media be maintained by Seller. 

Based upon the Seller’s foregoing representation and warranty, Porania, LLC reviewed Seller’s 

other available information in support of the claim and concluded the claim is a valid and 

enforceable obligation of the Debtor(s). The information in support of the claim is set forth on the 

attached schedule. 

Claim Filing Party: Porania, LLC 

(sign here) X______________________ 

(printed name) _______________________ 

Date: _______________________ 

Jon Koop

7/12/2016

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Porania LLC

WHITNER,CHRISTY 

2105 LAUDERDALE DRIVE 

HENRICO, VA 23238 

Important Message 

Please be advised that Porania LLC has purchased the 

below referenced account. This communication is 

from a debt collector. Any information obtained will 

be used for that purpose. 

This is an account summary. It is not a credit card 

statement from the originating creditor and has not 

previously been provided to the consumer. 

Account Information 

Biltmore Acct #: xxxxxx4929 

Original Creditor: PAYDAY LOAN YES

Original Account No.: xxxx7341 

Account Open Date: 10/29/2010 

Account Charge Off Date: 4/8/2011 

Account Last Pay Date: 

Account Last Pay Amount: $0 

Last Purchase Date: 

Principal Amount: $680.00 

Interest Amount: $0 

Interest Rate: 0% 

Outstanding Balance: $680.00 

Questions 

* Mail Payments To: 

 Porania, LLC 

 c/o Biltmore Asset Management 

 24500 Center Ridge Rd, Ste 472 

 Westlake, OH 44145 

* Make Checks or Money Orders Payable To: 

 Biltmore Asset Management 

 

* To Speak to a Representative: 

 855-655-7700 

Because interest, payments, credits, fees and/or other permissible charges can continue to cause your account balance to vary from 

day to day, please contact us at 1-855-655-7700 to obtain up-to-date information. 

IMPORTANT: To ensure timely delivery, please detach the below and mail in with your payment. 

Include your account number and name on the front of your check or money order. 

—————————————————————————————————————————————————— 

Name: WHITNER,CHRISTY 

 Original Account No.: xxxx7341 

Outstanding Balance: $680.00 

 Biltmore Account No.: xxxxxx4929 

MAIL PAYMENT TO: 

Porania LLC 

c/o Biltmore Asset Management 

24500 Center Ridge Rd, Ste 472 

Westlake, OH 44145 Please update address below if your information has changed 

——————————————————————————— 

——————————————————————————— 

——————————————————————————— 

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