United States Bankruptcy Court

Eastern District of Virginia

In re Corinne C. Sykes Case No. 17-73607-FJS

Debtor(s) Chapter 7

 AMENDMENT COVER SHEET

Amendment(s) to the following petition, list(s), schedule(s) or statement(s) are transmitted herewith:

Involuntary/Voluntary Petition [Specify reason for amendment: ]

Check if applicable: Soc. Sec. No. amended. [If applicable: An original, signed Official Form 121 was

mailed/hand-delivered to the Clerk's office on .*]

Summary of Your Assets and Liabilities (and Certain Statistical Information - Individuals Only)

Declaration (Individuals - Form 106Dec) (Non-Individuals - Form 202)

Schedule A/B - Property (amended to add real property, reflect current values of Mass Mutual IRA and John

 Hancock 401(k))

Schedule C - The Property You Claim as Exempt (amended to reflect updated exemption amounts for the

above-referenced accounts)

Schedule D – Creditors Who Hold Claims Secured by Property (See LBR 1009-1)

Schedule E/F Creditors Who Have Unsecured Claims (See LBR 1009-1)

($31.00 fee required if adding or deleting pre-petition creditors, changing amounts owed or classification of

debt.) Check applicable statement(s):

Creditor(s) added Creditor(s) deleted

Change in amounts owed or classification of debt

No pre-petition creditors added/deleted, or amounts owed or classification of debt changed. [Docket:

Amended Schedule(s) and/or Statement(s), List(s)-NO FEE)

Post-petition creditors added (Schedule of Unpaid Debts)

REMINDER: Conversion of Chapter 13 to Chapter 7 - only file Schedule of Unpaid Debts.

Schedule G- Executory Contracts and Unexpired Leases

Schedule H - Codebtors

Schedule I - Your Income

Schedule J - Your Expenses

[NOTE: The form “NOTICE TO CREDITOR(S) (RE AMENDMENT)” is still required when adding or deleting creditors.

*Amendment of debtor(s) Social Security Number requires this cover sheet together with a completed Official Form 121 -

Statement About Your Social Security Numbers be electronically filed or submitted to the Clerk's Office for 'restricted" entry

of the amended Social Security Number into the case record. ]

Statement of Financial Affairs

Statement of Intention for Individuals Filing Under Chapter 7

Chapter 11 List of Equity Security Holders

Chapter 11: The List of Creditors Who Have the 20 Largest Unsecured Claims Against You Who Are Not Insiders

Attorney’s Disclosure of Compensation

Other: 

NOTICE OF AMENDMENT(S) TO AFFECTED PARTIES

Pursuant to Federal Rule of Bankruptcy Procedure 1009(a) and Local Rule 1009-1, I certify that notice of the filing of the

amendment(s) checked above has been given this date to the United States Trustee, the trustee in this case, and to any and all entities

affected by the amendment as follows: Perry & Anne Miles.

Date:

Kelly M. Barnhart

Attorney for Debtor(s) [or Pro Se Debtor(s)]

State Bar No.: VSB #65246

Mailing Address: Kelly M. Barnhart

Roussos, Glanzer & Barnhart PLC

580 E. Main Street, Suite 300

Norfolk, VA 23510

Telephone No.:

[amendcs ver. 12/15]

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

11/20/2017

/s/ Kelly M. Barnhart

Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

 Document Page 1 of 33
Fill in this information to identify your case:

Debtor 1 Corinne C. Sykes

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-73607

(if known)  Check if this is an

amended filing

Official Form 106Sum

Summary of Your Assets and Liabilities and Certain Statistical Information 12/15

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

information. Fill out all of your schedules first; then complete the information on this form. If you are filing amended schedules after you file

your original forms, you must fill out a new Summary and check the box at the top of this page.

Part 1: Summarize Your Assets

Your assets

Value of what you own

1. Schedule A/B: Property (Official Form 106A/B)

1a. Copy line 55, Total real estate, from Schedule A/B................................................................................................ $ 1,539,400.00

1b. Copy line 62, Total personal property, from Schedule A/B..................................................................................... $ 138,223.53

1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 1,677,623.53

Part 2: Summarize Your Liabilities

Your liabilities

Amount you owe

2. Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D)

2a. Copy the total you listed in Column A, Amount of claim, at the bottom of the last page of Part 1 of Schedule D... $ 777,174.60

3. Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F)

3a. Copy the total claims from Part 1 (priority unsecured claims) from line 6e of Schedule E/F................................. $ 0.00

3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F............................ $ 66,940.50

Your total liabilities $ 844,115.10

Part 3: Summarize Your Income and Expenses

4. Schedule I: Your Income (Official Form 106I)

Copy your combined monthly income from line 12 of Schedule I................................................................................ $ 7,345.35

5. Schedule J: Your Expenses (Official Form 106J)

Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 8,366.23

Part 4: Answer These Questions for Administrative and Statistical Records

6. Are you filing for bankruptcy under Chapters 7, 11, or 13?

 No. You have nothing to report on this part of the form. Check this box and submit this form to the court with your other schedules.

 Yes

7. What kind of debt do you have?

 Your debts are primarily consumer debts. Consumer debts are those “incurred by an individual primarily for a personal, family, or

household purpose.” 11 U.S.C. § 101(8). Fill out lines 8-9g for statistical purposes. 28 U.S.C. § 159.

 Your debts are not primarily consumer debts. You have nothing to report on this part of the form. Check this box and submit this form to

the court with your other schedules.

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 1 of 2

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

8. From the Statement of Your Current Monthly Income: Copy your total current monthly income from Official Form

122A-1 Line 11; OR, Form 122B Line 11; OR, Form 122C-1 Line 14. $

9. Copy the following special categories of claims from Part 4, line 6 of Schedule E/F:

Total claim

From Part 4 on Schedule E/F, copy the following:

9a. Domestic support obligations (Copy line 6a.) $ 0.00

9b. Taxes and certain other debts you owe the government. (Copy line 6b.) $ 0.00

9c. Claims for death or personal injury while you were intoxicated. (Copy line 6c.) $ 0.00

9d. Student loans. (Copy line 6f.) $ 0.00

9e. Obligations arising out of a separation agreement or divorce that you did not report as

priority claims. (Copy line 6g.) $ 0.00

9f. Debts to pension or profit-sharing plans, and other similar debts. (Copy line 6h.) +$ 0.00

9g. Total. Add lines 9a through 9f. $ 0.00

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

 Document Page 3 of 33
Fill in this information to identify your case and this filing:

Debtor 1 Corinne C. Sykes

First Name Middle Name Last Name

Debtor 2

(Spouse, if filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-73607  Check if this is an

amended filing

Official Form 106A/B

Schedule A/B: Property 12/15

In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the category where you

think it fits best. 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 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 Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In

1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?

 No. Go to Part 2.

 Yes. Where is the property?

1.1 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

1705 Longwood Drive 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Norfolk VA 23508-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $614,600.00 $614,600.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only

Tenants by the entirety with the right

of survivorship

Norfolk City  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

Primary residence;

GPIN: 1429107307;

Value based on city real estate tax assessment

Official Form 106A/B Schedule A/B: Property page 1

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

 Document Page 4 of 33
Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

If you own or have more than one, list here:

1.2 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

1612 49th Street 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Norfolk VA 23508-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $165,000.00 $165,000.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only

Tenants by the entirety with the right

of survivorship

Norfolk City  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

GPIN: 1429203053;

If you own or have more than one, list here:

1.3 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

778 W. 48th Street 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Norfolk VA 23508-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $145,000.00 $145,000.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only

Tenants by the entirety with the right

of survivorship

Norfolk City  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

GPIN: 1429801123;

Official Form 106A/B Schedule A/B: Property page 2

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

 Document Page 5 of 33
Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

If you own or have more than one, list here:

1.4 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

1618 W. 49th St 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Norfolk VA 23508-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $230,000.00 $230,000.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only

Tenants by the entirety with the right

of survivorship

Norfolk City  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

GPIN: 1429202093

If you own or have more than one, list here:

1.5 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

1620 W. 49th Street 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Norfolk VA 23508-0000





Manufactured or mobile home

Land Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $45,000.00 $45,000.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only

Tenants by the entirety with the right

of survivorship

Norfolk City  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

GPIN: 1429202032

Official Form 106A/B Schedule A/B: Property page 3

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

 Document Page 6 of 33
Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

If you own or have more than one, list here:

1.6 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

1622 W. 49th Street 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Norfolk VA 23508-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $165,000.00 $165,000.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only

Tenants by the entirety with the right

of survivorship

Norfolk City  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

GPIN: 1429201072

If you own or have more than one, list here:

1.7 What is the property? Check all that apply

Do not deduct secured claims or exemptions. Put

the amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

780 W. 48th Street 





Single-family home

Duplex or multi-unit building

Condominium or cooperative

Street address, if available, or other description

Norfolk VA 23508-0000





Manufactured or mobile home

Land

Current value of the

entire property?

Current value of the

portion you own?

City State ZIP Code  Investment property $174,800.00 $174,800.00

 Timeshare

Describe the nature of your ownership interest

(such as fee simple, tenancy by the entireties, or

a life estate), if known.

 Other

Who has an interest in the property? Check one

 Debtor 1 only

Tenants by the entirety with the right

of survivorship

Norfolk City  Debtor 2 only

County  Debtor 1 and Debtor 2 only

 Check if this is community property  At least one of the debtors and another (see instructions)

Other information you wish to add about this item, such as local

property identification number:

GPIN: 1429800163; Value based on city tax assessment - at time of filing

had equitable interest in property (funds used to purchase property that

were tenants by the entirety and was supposed to be titled in debtor's

name with husband; deed of gift post-petition executed to correct

ownership identification)

2. Add the dollar value of the portion you own for all of your entries from Part 1, including any entries for

pages you have attached for Part 1. Write that number here...........................................................................=> $1,539,400.00

Part 2: Describe Your Vehicles

Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles you own that

someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases.

Official Form 106A/B Schedule A/B: Property page 4

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles

 No

 Yes

4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories

Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories

 No

 Yes

5

.

Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for

pages you have attached for Part 2. Write that number here.............................................................................=> $0.00

Part 3: Describe Your Personal and Household Items

Do you own or have any legal or equitable interest in any of the following items? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

6. Household goods and furnishings

Examples: Major appliances, furniture, linens, china, kitchenware

 No

 Yes. Describe.....

4 chairs ($100); 2 sofas ($200); 2 loveseats ($100); 2 end tables

($10); 1 coffee table ($20); 1 clock ($45); 4 lamps ($100); 1 book

case ($15); window dressings ($105); dining room table & Chairs

($350); China cabinet ($150); washer ($250); dryer ($250); oven

($200); microwave ($160); refrigerator ($130); glass dishes ($40);

China ($100); pots & pans ($180); beds & bedding ($300); night

tables ($100); dressers ($200); chest of drawers ($300) $1,702.50

7. Electronics

Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music collections; electronic devices

including cell phones, cameras, media players, games

 No

 Yes. Describe.....

iPhone ($290); 1 TV ($200); 1 telephone ($120) $610.00

8. Collectibles of value

Examples: Antiques and figurines; paintings, prints, or other artwork; books, pictures, or other art objects; stamp, coin, or baseball card collections;

other collections, memorabilia, collectibles

 No

 Yes. Describe.....

9. Equipment for sports and hobbies

Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes and kayaks; carpentry tools;

musical instruments

 No

 Yes. Describe.....

10. Firearms

Examples: Pistols, rifles, shotguns, ammunition, and related equipment

 No

 Yes. Describe.....

11. Clothes

Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories

 No

Official Form 106A/B Schedule A/B: Property page 5

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

 Yes. Describe.....

Miscellaneous clothing $1,000.00

12. Jewelry

Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver

 No

 Yes. Describe.....

Engagement ring & wedding band $25,000.00

gold and silver bracelets, earrings & necklaces $1,000.00

13. Non-farm animals

Examples: Dogs, cats, birds, horses

 No

 Yes. Describe.....

14. Any other personal and household items you did not already list, including any health aids you did not list

 No

 Yes. Give specific information.....

15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached

for Part 3. Write that number here .............................................................................. $29,312.50

Part 4: Describe Your Financial Assets

Do you own or have any legal or equitable interest in any of the following? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

16. Cash

Examples: Money you have in your wallet, in your home, in a safe deposit box, and on hand when you file your petition

 No

 Yes................................................................................................................

Cash $400.00

17. Deposits of money

Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses, and other similar

institutions. If you have multiple accounts with the same institution, list each.

 No

 Yes........................ Institution name:

17.1. Checking BB&T; Acct. ending in 7828 $7.37

18. Bonds, mutual funds, or publicly traded stocks

Examples: Bond funds, investment accounts with brokerage firms, money market accounts

 No

 Yes.................. Institution or issuer name:

19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership, and

joint venture

 No

 Yes. Give specific information about them...................

Name of entity: % of ownership:

Official Form 106A/B Schedule A/B: Property page 6

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

20. Government and corporate bonds and other negotiable and non-negotiable instruments

Negotiable instruments include personal checks, cashiers’ checks, promissory notes, and money orders.

Non-negotiable instruments are those you cannot transfer to someone by signing or delivering them.

 No

 Yes. Give specific information about them

Issuer name:

21. Retirement or pension accounts

Examples: Interests in IRA, ERISA, Keogh, 401(k), 403(b), thrift savings accounts, or other pension or profit-sharing plans

 No

 Yes. List each account separately.

Type of account: Institution name:

401(k) John Hancock; Acct. ending in 830 $28,991.62

IRA Mass Mutual Financial Group; Acct. ending in

3907 $79,512.04

22. Security deposits and prepayments

Your share of all unused deposits you have made so that you may continue service or use from a company

Examples: Agreements with landlords, prepaid rent, public utilities (electric, gas, water), telecommunications companies, or others

 No

 Yes. ..................... Institution name or individual:

23. Annuities (A contract for a periodic payment of money to you, either for life or for a number of years)

 No

 Yes............. Issuer name and description.

24. Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program.

26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1).

 No

 Yes............. Institution name and description. Separately file the records of any interests.11 U.S.C. § 521(c):

25. Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your benefit

 No

 Yes. Give specific information about them...

26. Patents, copyrights, trademarks, trade secrets, and other intellectual property

Examples: Internet domain names, websites, proceeds from royalties and licensing agreements

 No

 Yes. Give specific information about them...

27. Licenses, franchises, and other general intangibles

Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses, professional licenses

 No

 Yes. Give specific information about them...

Money or property owed to you? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

28. Tax refunds owed to you

 No

 Yes. Give specific information about them, including whether you already filed the returns and the tax years.......

pro-rated 2017 federal tax refund Federal Unknown

Official Form 106A/B Schedule A/B: Property page 7

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Case 17-73607-FJS Doc 11 Filed 11/20/17 Entered 11/20/17 17:05:07 Desc Main

 Document Page 10 of 33
Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

pro-rated 2017 state tax refund State Unknown

29. Family support

Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement

 No

 Yes. Give specific information......

30. Other amounts someone owes you

Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation, Social Security

benefits; unpaid loans you made to someone else

 No

 Yes. Give specific information..

31. Interests in insurance policies

Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance

 No

 Yes. Name the insurance company of each policy and list its value.

Company name: Beneficiary: Surrender or refund

value:

32. Any interest in property that is due you from someone who has died

If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive property because

someone has died.

 No

 Yes. Give specific information..

33. Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment

Examples: Accidents, employment disputes, insurance claims, or rights to sue

 No

 Yes. Describe each claim.........

34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights to set off claims

 No

 Yes. Describe each claim.........

35. Any financial assets you did not already list

 No

 Yes. Give specific information..

Potential inheritance Unknown

36. Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached

for Part 4. Write that number here..................................................................................................................... $108,911.03

Part 5: Describe Any Business-Related Property You Own or Have an Interest In. List any real estate in Part 1.

37. Do you own or have any legal or equitable interest in any business-related property?

 No. Go to Part 6.

 Yes. Go to line 38.

Part 6: Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In.

If you own or have an interest in farmland, list it in Part 1.

46. Do you own or have any legal or equitable interest in any farm- or commercial fishing-related property?

 No. Go to Part 7.

 Yes. Go to line 47.

Official Form 106A/B Schedule A/B: Property page 8

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above

53. Do you have other property of any kind you did not already list?

Examples: Season tickets, country club membership

 No

 Yes. Give specific information.........

54. Add the dollar value of all of your entries from Part 7. Write that number here .................................... $0.00

Part 8: List the Totals of Each Part of this Form

55. Part 1: Total real estate, line 2 ...................................................................................................................... $1,539,400.00

56. Part 2: Total vehicles, line 5 $0.00

57. Part 3: Total personal and household items, line 15 $29,312.50

58. Part 4: Total financial assets, line 36 $108,911.03

59. Part 5: Total business-related property, line 45 $0.00

60. Part 6: Total farm- and fishing-related property, line 52 $0.00

61. Part 7: Total other property not listed, line 54 + $0.00

62. Total personal property. Add lines 56 through 61... $138,223.53 Copy personal property total $138,223.53

63. Total of all property on Schedule A/B. Add line 55 + line 62 $1,677,623.53

Official Form 106A/B Schedule A/B: Property page 9

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Fill in this information to identify your case:

Debtor 1 Corinne C. Sykes

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-73607

(if known)  Check if this is an

amended filing

Official Form 106C

Schedule C: The Property You Claim as Exempt 4/16

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

the property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is

needed, fill out and attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name and

case number (if known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a

specific dollar amount as exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of

any applicable statutory limit. Some exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement

funds—may be unlimited in dollar amount. However, if you claim an exemption of 100% of fair market value under a law that limits the

exemption to a particular dollar amount and the value of the property is determined to exceed that amount, your exemption would be limited

to the applicable statutory amount.

Part 1: Identify the Property You Claim as Exempt

1. Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you.

 You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)

 You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below.

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

1705 Longwood Drive Norfolk, VA

23508 Norfolk City County

Primary residence;

GPIN: 1429107307;

Value based on city real estate tax

assessment

Line from Schedule A/B: 1.1

$614,600.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

1705 Longwood Drive Norfolk, VA

23508 Norfolk City County

Primary residence;

GPIN: 1429107307;

Value based on city real estate tax

assessment

Line from Schedule A/B: 1.1

$614,600.00  $614,599.00 11 USC 522(b)(3)(B); William v

Peyton 104 F.3d 688

 100% of fair market value, up to

any applicable statutory limit

1612 49th Street Norfolk, VA 23508

Norfolk City County

GPIN: 1429203053;

Line from Schedule A/B: 1.2

$165,000.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

1612 49th Street Norfolk, VA 23508

Norfolk City County

GPIN: 1429203053;

Line from Schedule A/B: 1.2

$165,000.00  $164,999.00 11 USC 522(b)(3)(B); William v

Peyton 104 F.3d 688

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 4

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Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

778 W. 48th Street Norfolk, VA 23508

Norfolk City County

GPIN: 1429801123;

Line from Schedule A/B: 1.3

$145,000.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

778 W. 48th Street Norfolk, VA 23508

Norfolk City County

GPIN: 1429801123;

Line from Schedule A/B: 1.3

$145,000.00  $144,999.00 11 USC 522(b)(3)(B); William v

Peyton 104 F.3d 688

 100% of fair market value, up to

any applicable statutory limit

1618 W. 49th St Norfolk, VA 23508

Norfolk City County

GPIN: 1429202093

Line from Schedule A/B: 1.4

$230,000.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

1618 W. 49th St Norfolk, VA 23508

Norfolk City County

GPIN: 1429202093

Line from Schedule A/B: 1.4

$230,000.00  $229,999.00 11 USC 522(b)(3)(B); William v

Peyton 104 F.3d 688

 100% of fair market value, up to

any applicable statutory limit

1620 W. 49th Street Norfolk, VA

23508 Norfolk City County

GPIN: 1429202032

Line from Schedule A/B: 1.5

$45,000.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

1620 W. 49th Street Norfolk, VA

23508 Norfolk City County

GPIN: 1429202032

Line from Schedule A/B: 1.5

$45,000.00  $44,999.00 11 USC 522(b)(3)(B); William v

Peyton 104 F.3d 688

 100% of fair market value, up to

any applicable statutory limit

1622 W. 49th Street Norfolk, VA

23508 Norfolk City County

GPIN: 1429201072

Line from Schedule A/B: 1.6

$165,000.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

1622 W. 49th Street Norfolk, VA

23508 Norfolk City County

GPIN: 1429201072

Line from Schedule A/B: 1.6

$165,000.00  $164,999.00 11 USC 522(b)(3)(B); William v

Peyton 104 F.3d 688

 100% of fair market value, up to

any applicable statutory limit

780 W. 48th Street Norfolk, VA 23508

Norfolk City County

GPIN: 1429800163; Value based on

city tax assessment - at time of filing

had equitable interest in property

(funds used to purchase property

that were tenants by the entirety and

was supposed to be

Line from Schedule A/B: 1.7

$174,800.00  $51,800.00 11 USC 522(b)(3)(B); William v

Peyton 104 F.3d 688

 100% of fair market value, up to

any applicable statutory limit

4 chairs ($100); 2 sofas ($200); 2

loveseats ($100); 2 end tables ($10);

1 coffee table ($20); 1 clock ($45); 4

lamps ($100); 1 book case ($15);

window dressings ($105); dining

room table & Chairs ($350); China

cabinet ($150); washer ($250); dryer

($250);

Line from Schedule A/B: 6.1

$1,702.50  $1,702.50 Va. Code Ann. § 34-26(4a)

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 2 of 4

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Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

iPhone ($290); 1 TV ($200); 1

telephone ($120)

Line from Schedule A/B: 7.1

$610.00  $320.00 Va. Code Ann. § 34-26(4a)

 100% of fair market value, up to

any applicable statutory limit

iPhone ($290); 1 TV ($200); 1

telephone ($120)

Line from Schedule A/B: 7.1

$610.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Miscellaneous clothing

Line from Schedule A/B: 11.1 $1,000.00  $1,000.00 Va. Code Ann. § 34-26(4)

 100% of fair market value, up to

any applicable statutory limit

Engagement ring & wedding band

Line from Schedule A/B: 12.1 $25,000.00  $25,000.00 Va. Code Ann. § 34-26(1a)

 100% of fair market value, up to

any applicable statutory limit

gold and silver bracelets, earrings &

necklaces

Line from Schedule A/B: 12.2

$1,000.00  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Cash

Line from Schedule A/B: 16.1 $400.00  $400.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Checking: BB&T; Acct. ending in

7828

Line from Schedule A/B: 17.1

$7.37  $7.37 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

401(k): John Hancock; Acct. ending

in 830

Line from Schedule A/B: 21.1

$28,991.62  $28,991.62 Va. Code Ann. § 34-34

 100% of fair market value, up to

any applicable statutory limit

IRA: Mass Mutual Financial Group;

Acct. ending in 3907

Line from Schedule A/B: 21.2

$79,512.04  $79,512.04 Va. Code Ann. § 34-34

 100% of fair market value, up to

any applicable statutory limit

Federal: pro-rated 2017 federal tax

refund

Line from Schedule A/B: 28.1

Unknown  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

State: pro-rated 2017 state tax refund

Line from Schedule A/B: 28.2

Unknown  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Potential inheritance

Line from Schedule A/B: 35.1

Unknown  $1.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 3 of 4

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3. Are you claiming a homestead exemption of more than $160,375?

(Subject to adjustment on 4/01/19 and every 3 years after that for cases filed on or after the date of adjustment.)

 No

 Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?

 No

 Yes

Official Form 106C Schedule C: The Property You Claim as Exempt page 4 of 4

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Fill in this information to identify your case:

Debtor 1 Corinne C. Sykes

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-73607

(if known)  Check if this is an

amended filing

Official Form 106D

Schedule D: Creditors Who Have Claims Secured by Property 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, copy the Additional Page, fill it out, number the entries, and attach it to this form. On the top of any additional pages, write your name and case

number (if known).

1. Do any creditors have claims secured by your property?

 No. Check this box and submit this form to the court with your other schedules. You have nothing else to report on this form.

 Yes. Fill in all of the information below.

Part 1: List All Secured Claims

2. List all secured claims. If a creditor has more than one secured claim, list the creditor separately

for each claim. If more than one creditor has a particular claim, list the other creditors in Part 2. As

much as possible, list the claims in alphabetical order according to the creditor’s name.

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports this

claim

Column C

Unsecured

portion

If any

2.1 Ditech Financial, LLC Describe the property that secures the claim: $119,152.35 $145,000.00 $0.00

Creditor's Name 778 W. 48th Street Norfolk, VA

23508 Norfolk City County

GPIN: 1429801123; P.O. Box 6172

Rapid City, SD

57709-6172

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) First Mortgage

Date debt was incurred 2014 Last 4 digits of account number 7710

2.2 NationStar Mortgage Describe the property that secures the claim: $231,950.47 $165,000.00 $66,950.47

Creditor's Name 1622 W. 49th Street Norfolk, VA

23508 Norfolk City County

GPIN: 1429201072

P.O. Box 650783

Dallas, TX 75265

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) First Mortgage

Date debt was incurred 2013 Last 4 digits of account number 2249

Official Form 106D Schedule D: Creditors Who Have Claims Secured by Property page 1 of 3

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Debtor 1 Corinne C. Sykes Case number (if know) 17-73607 First Name Middle Name Last Name

2.3 Perry & Anne Miles Describe the property that secures the claim: $112,516.00 $174,800.00 $0.00

Creditor's Name See Schedule A/B for description of

collateral- insufficient available

space to include on this schedule.

5320 Studeley Ave.

Norfolk, VA 23508

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Deed of Trust

Date debt was incurred Last 4 digits of account number

2.4 PNC Bank Describe the property that secures the claim: $177,288.10 $614,600.00 $0.00

Creditor's Name 1705 Longwood Drive Norfolk, VA

23508 Norfolk City County

Primary residence;

GPIN: 1429107307;

Value based on city real estate tax

assessment P.O. Box 3180

Pittsburgh, PA

15230-3180

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) Home Equity Line of Credit

Date debt was incurred 6/15/2005 Last 4 digits of account number 1130

2.5 PNC Mortgage Describe the property that secures the claim: $38,530.50 $614,600.00 $0.00

Creditor's Name 1705 Longwood Drive Norfolk, VA

23508 Norfolk City County

Primary residence;

GPIN: 1429107307;

Value based on city real estate tax

assessment

P.O. Box 8703

Dayton, OH 45401-8703

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 2 of 3

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Debtor 1 Corinne C. Sykes Case number (if know) 17-73607 First Name Middle Name Last Name

 Check if this claim relates to a

community debt

 Other (including a right to offset) Mortgage

Date debt was incurred 4/21/2004 Last 4 digits of account number 7272

2.6 SunTrust Mortgage Describe the property that secures the claim: $97,737.18 $165,000.00 $0.00

Creditor's Name 1612 49th Street Norfolk, VA 23508

Norfolk City County

GPIN: 1429203053; P.O. Box 26149

Richmond, VA

23260-6149

As of the date you file, the claim is: Check all that

apply.

 Contingent

Number, Street, City, State & Zip Code  Unliquidated

 Disputed

Who owes the debt? Check one. Nature of lien. Check all that apply.

 Debtor 1 only

 Debtor 2 only

 An agreement you made (such as mortgage or secured

car loan)

 Debtor 1 and Debtor 2 only  Statutory lien (such as tax lien, mechanic's lien)

 At least one of the debtors and another  Judgment lien from a lawsuit

 Check if this claim relates to a

community debt

 Other (including a right to offset) First Mortgage

Date debt was incurred 2004 Last 4 digits of account number 4155

Add the dollar value of your entries in Column A on this page. Write that number here: $777,174.60

If this is the last page of your form, add the dollar value totals from all pages.

Write that number here: $777,174.60

Part 2: List Others to Be Notified for a Debt That You Already Listed

Use this page only if you have others to be notified about your bankruptcy for a debt that you already listed in Part 1. For example, if a collection agency is

trying to collect from you for a debt you owe to someone else, list the creditor in Part 1, and then list the collection agency here. Similarly, if you have more

than one creditor for any of the debts that you listed in Part 1, list the additional creditors here. If you do not have additional persons to be notified for any

debts in Part 1, do not fill out or submit this page.

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 3 of 3

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Fill in this information to identify your case:

Debtor 1 Corinne C. Sykes

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-73607

(if known)  Check if this is an

amended filing

Official Form 106Dec

Declaration About an Individual Debtor's Schedules 12/15

If two married people are filing together, both are equally responsible for supplying correct information.

You must file this form whenever you file bankruptcy schedules or amended schedules. Making a false statement, concealing property, or

obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20

years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Sign Below

Did you pay or agree to pay someone who is NOT an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of person Attach Bankruptcy Petition Preparer’s Notice,

Declaration, and Signature (Official Form 119)

Under penalty of perjury, I declare that I have read the summary and schedules filed with this declaration and

that they are true and correct.

X X

Corinne C. Sykes Signature of Debtor 2

Signature of Debtor 1

Date Date

Official Form 106Dec Declaration About an Individual Debtor's Schedules

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/s/ Corinne C. Sykes 

11/20/2017

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 Document Page 20 of 33
Fill in this information to identify your case:

Debtor 1 Corinne C. Sykes

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-73607

(if known)  Check if this is an

amended filing

Official Form 107

Statement of Financial Affairs for Individuals Filing for Bankruptcy 4/16

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 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: Give Details About Your Marital Status and Where You Lived Before

1. What is your current marital status?

 Married

 Not married

2. During the last 3 years, have you lived anywhere other than where you live now?

 No

 Yes. List all of the places you lived in the last 3 years. Do not include where you live now.

Debtor 1 Prior Address: Dates Debtor 1

lived there

Debtor 2 Prior Address: Dates Debtor 2

lived there

3. Within the last 8 years, did you ever live with a spouse or legal equivalent in a community property state or territory? (Community property

states and territories include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington and Wisconsin.)

 No

 Yes. Make sure you fill out Schedule H: Your Codebtors (Official Form 106H).

Part 2 Explain the Sources of Your Income

4. Did you have any income from employment or from operating a business during this year or the two previous calendar years?

Fill in the total amount of income you received from all jobs and all businesses, including part-time activities.

If you are filing a joint case and you have income that you receive together, list it only once under Debtor 1.

 No

 Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income

Check all that apply.

Gross income

(before deductions and

exclusions)

Sources of income

Check all that apply.

Gross income

(before deductions

and exclusions)

From January 1 of current year until

the date you filed for bankruptcy:

 Wages, commissions,

bonuses, tips

 Operating a business

$4,370.00  Wages, commissions,

bonuses, tips

 Operating a business

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 1

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

Debtor 1 Debtor 2

Sources of income

Check all that apply.

Gross income

(before deductions and

exclusions)

Sources of income

Check all that apply.

Gross income

(before deductions

and exclusions)

 Wages, commissions,

bonuses, tips

 Operating a business

$11,666.10  Wages, commissions,

bonuses, tips

 Operating a business

For last calendar year:

(January 1 to December 31, 2016 )

 Wages, commissions,

bonuses, tips

 Operating a business

$42,389.00  Wages, commissions,

bonuses, tips

 Operating a business

For the calendar year before that:

(January 1 to December 31, 2015 )

 Wages, commissions,

bonuses, tips

 Operating a business

$25,529.00  Wages, commissions,

bonuses, tips

 Operating a business

5. Did you receive any other income during this year or the two previous calendar years?

Include income regardless of whether that income is taxable. Examples of other income are alimony; child support; Social Security, unemployment,

and other public benefit payments; pensions; rental income; interest; dividends; money collected from lawsuits; royalties; and gambling and lottery

winnings. If you are filing a joint case and you have income that you received together, list it only once under Debtor 1.

List each source and the gross income from each source separately. Do not include income that you listed in line 4.

 No

 Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income

Describe below.

Gross income from

each source

(before deductions and

exclusions)

Sources of income

Describe below.

Gross income

(before deductions

and exclusions)

From January 1 of current year until

the date you filed for bankruptcy:

Gross Sale Value -

217 W. 35th Street

$115,000.00

Part 3: List Certain Payments You Made Before You Filed for Bankruptcy

6. Are either Debtor 1’s or Debtor 2’s debts primarily consumer debts?

 No. Neither Debtor 1 nor Debtor 2 has primarily consumer debts. Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an

individual primarily for a personal, family, or household purpose.”

During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $6,425* or more?

 No. Go to line 7.

 Yes List below each creditor to whom you paid a total of $6,425* or more in one or more payments and the total amount you

paid that creditor. Do not include payments for domestic support obligations, such as child support and alimony. Also, do

not include payments to an attorney for this bankruptcy case.

* Subject to adjustment on 4/01/19 and every 3 years after that for cases filed on or after the date of adjustment.

 Yes. Debtor 1 or Debtor 2 or both have primarily consumer debts.

During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $600 or more?

 No. Go to line 7.

 Yes List below each creditor to whom you paid a total of $600 or more and the total amount you paid that creditor. Do not

include payments for domestic support obligations, such as child support and alimony. Also, do not include payments to an

attorney for this bankruptcy case.

Creditor's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Was this payment for ...

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 2

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

* Figure includes income received from the

sale of 1629 W. 49th Street, Norfolk, VA 23508

*

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

Creditor's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Was this payment for ...

PNC Mortgage

P.O. Box 8703

Dayton, OH 45401

8/2017: $3,112.06;

9/2017: $3,112.06;

and

10/2017: $3,112.06

$9,336.18 $38,530.50  Mortgage

 Car

 Credit Card

 Loan Repayment

 Suppliers or vendors

 Other 

7. Within 1 year before you filed for bankruptcy, did you make a payment on a debt you owed anyone who was an insider?

Insiders include your relatives; any general partners; relatives of any general partners; partnerships of which you are a general partner; corporations

of which you are an officer, director, person in control, or owner of 20% or more of their voting securities; and any managing agent, including one for

a business you operate as a sole proprietor. 11 U.S.C. § 101. Include payments for domestic support obligations, such as child support and

alimony.

 No

 Yes. List all payments to an insider.

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Reason for this payment

8. Within 1 year before you filed for bankruptcy, did you make any payments or transfer any property on account of a debt that benefited an

insider?

Include payments on debts guaranteed or cosigned by an insider.

 No

 Yes. List all payments to an insider

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Reason for this payment

Include creditor's name

Part 4: Identify Legal Actions, Repossessions, and Foreclosures

9. Within 1 year before you filed for bankruptcy, were you a party in any lawsuit, court action, or administrative proceeding?

List all such matters, including personal injury cases, small claims actions, divorces, collection suits, paternity actions, support or custody

modifications, and contract disputes.

 No

 Yes. Fill in the details.

Case title

Case number

Nature of the case Court or agency Status of the case

Discover Bank v. Corrine Sykes

GV17000118-00

Warrant in Debt Norfolk General District

Court

150 St. Pauls Blvd.

Norfolk, VA 23510

 Pending

 On appeal

 Concluded

Default judgment obtained

on 2/7/2017

Consumer Litigation Associates v.

Corinne Sykes

CL1700012B-04

Contract Action Newport News Circuit Court

2500 Washington Ave.

Newport News, VA 23607

 Pending

 On appeal

 Concluded

TD Bank, USA, N. A. v. Corinne

Sykes

GV17012772-00

Warrant in Debt Norfolk General District

Court

150 St. Pauls Blvd.

Norfolk, VA 23510

 Pending

 On appeal

 Concluded

Judgment obtained on

6/1/2017

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 3

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

10. Within 1 year before you filed for bankruptcy, was any of your property repossessed, foreclosed, garnished, attached, seized, or levied?

Check all that apply and fill in the details below.

 No. Go to line 11.

 Yes. Fill in the information below.

Creditor Name and Address Describe the Property

Explain what happened

Date Value of the

property

11. Within 90 days before you filed for bankruptcy, did any creditor, including a bank or financial institution, set off any amounts from your

accounts or refuse to make a payment because you owed a debt?

 No

 Yes. Fill in the details.

Creditor Name and Address Describe the action the creditor took Date action was

taken

Amount

12. Within 1 year before you filed for bankruptcy, was any of your property in the possession of an assignee for the benefit of creditors, a

court-appointed receiver, a custodian, or another official?

 No

 Yes

Part 5: List Certain Gifts and Contributions

13. Within 2 years before you filed for bankruptcy, did you give any gifts with a total value of more than $600 per person?

 No

 Yes. Fill in the details for each gift.

Gifts with a total value of more than $600

per person

Person to Whom You Gave the Gift and

Address:

Describe the gifts Dates you gave

the gifts

Value

14. Within 2 years before you filed for bankruptcy, did you give any gifts or contributions with a total value of more than $600 to any charity?

 No

 Yes. Fill in the details for each gift or contribution.

Gifts or contributions to charities that total

more than $600

Charity's Name

Address (Number, Street, City, State and ZIP Code)

Describe what you contributed Dates you

contributed

Value

Old Dominion University

5115 Hampton Blvd.

Norfolk, VA 23529

monetary contributions Jan. 2017 -

present

$3,375.00

Charities monetary contributions 2016 $1,850.00

Charities monetary contributions 2015 $3,750.00

Part 6: List Certain Losses

15. Within 1 year before you filed for bankruptcy or since you filed for bankruptcy, did you lose anything because of theft, fire, other disaster,

or gambling?

 No

 Yes. Fill in the details.

Describe the property you lost and

how the loss occurred

Describe any insurance coverage for the loss

Include the amount that insurance has paid. List pending

insurance claims on line 33 of Schedule A/B: Property.

Date of your

loss

Value of property

lost

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 4

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

Part 7: List Certain Payments or Transfers

16. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone you

consulted about seeking bankruptcy or preparing a bankruptcy petition?

Include any attorneys, bankruptcy petition preparers, or credit counseling agencies for services required in your bankruptcy.

 No

 Yes. Fill in the details.

Person Who Was Paid

Address

Email or website address

Person Who Made the Payment, if Not You

Description and value of any property

transferred

Date payment

or transfer was

made

Amount of

payment

Roussos Glanzer & Barnhart, PLC

580 E. Main Street

Suite 300

Norfolk, VA 23510

11/29/2016: $1,000.00 towards court

costs and attorney's fees; and

8/14/2017: $1,500.00 towards court

costs and attorney's fees

11/29/2016;

8/14/2017

$2,500.00

Cricket Debt Counseling

219 SE Stark Street, Suite 200

Portland, OR 97204

credit counseling course 5/24/2017 $22.00

17. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone who

promised to help you deal with your creditors or to make payments to your creditors?

Do not include any payment or transfer that you listed on line 16.

 No

 Yes. Fill in the details.

Person Who Was Paid

Address

Description and value of any property

transferred

Date payment

or transfer was

made

Amount of

payment

18. Within 2 years before you filed for bankruptcy, did you sell, trade, or otherwise transfer any property to anyone, other than property

transferred in the ordinary course of your business or financial affairs?

Include both outright transfers and transfers made as security (such as the granting of a security interest or mortgage on your property). Do not

include gifts and transfers that you have already listed on this statement.

 No

 Yes. Fill in the details.

Person Who Received Transfer

Address

Person's relationship to you

Description and value of

property transferred

Describe any property or

payments received or debts

paid in exchange

Date transfer was

made

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 5

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

Person Who Received Transfer

Address

Person's relationship to you

Description and value of

property transferred

Describe any property or

payments received or debts

paid in exchange

Date transfer was

made

MAC Conglomerate, LLC

217 W. 35th Street

Norfolk, VA 23504

third party

217 W. 35th Street, Norfolk,

VA 23504;

Value: $115,000

Sale price: $115,000 -

lien against property in

favor of Mr. Miles

(approximately $50,000)

released and funds used

to purchase 780 W. 48th

St., Norfolk, VA, subject

to lien in favor of Perry

Miles ($112,516) - a

portion of the sales

proceeds used to

purchase property at

approximately $75,000

and balance went to

repairs needed on 780

W. 48th St.; obligations

owed to Mr. Miles

consolidated into one

loan secured by 780 W.

48th St., with the deed of

trust with balance at

time of filing $108,257.11

May 2017

Anthony Lena

1629 W. 49th Street

Norfolk, VA 23508

third party

1629 W. 49th Street

Norfolk, VA 23508

GPIN: 1428292815

Value: $205,000.00

Sale price: $205,000.00 March 2016

19. Within 10 years before you filed for bankruptcy, did you transfer any property to a self-settled trust or similar device of which you are a

beneficiary? (These are often called asset-protection devices.)

 No

 Yes. Fill in the details.

Name of trust Description and value of the property transferred Date Transfer was

made

Part 8: List of Certain Financial Accounts, Instruments, Safe Deposit Boxes, and Storage Units

20. Within 1 year before you filed for bankruptcy, were any financial accounts or instruments held in your name, or for your benefit, closed,

sold, moved, or transferred?

Include checking, savings, money market, or other financial accounts; certificates of deposit; shares in banks, credit unions, brokerage

houses, pension funds, cooperatives, associations, and other financial institutions.

 No

 Yes. Fill in the details.

Name of Financial Institution and

Address (Number, Street, City, State and ZIP

Code)

Last 4 digits of

account number

Type of account or

instrument

Date account was

closed, sold,

moved, or

transferred

Last balance

before closing or

transfer

21. Do you now have, or did you have within 1 year before you filed for bankruptcy, any safe deposit box or other depository for securities,

cash, or other valuables?

 No

 Yes. Fill in the details.

Name of Financial Institution

Address (Number, Street, City, State and ZIP Code)

Who else had access to it?

Address (Number, Street, City,

State and ZIP Code)

Describe the contents Do you still

have it?

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 6

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

22. Have you stored property in a storage unit or place other than your home within 1 year before you filed for bankruptcy?

 No

 Yes. Fill in the details.

Name of Storage Facility

Address (Number, Street, City, State and ZIP Code)

Who else has or had access

to it?

Address (Number, Street, City,

State and ZIP Code)

Describe the contents Do you still

have it?

Part 9: Identify Property You Hold or Control for Someone Else

23. Do you hold or control any property that someone else owns? Include any property you borrowed from, are storing for, or hold in trust

for someone.

 No

 Yes. Fill in the details.

Owner's Name

Address (Number, Street, City, State and ZIP Code)

Where is the property?

(Number, Street, City, State and ZIP

Code)

Describe the property Value

Part 10: Give Details About Environmental Information

For the purpose of Part 10, the following definitions apply:

 Environmental law means any federal, state, or local statute or regulation concerning pollution, contamination, releases of hazardous or

toxic substances, wastes, or material into the air, land, soil, surface water, groundwater, or other medium, including statutes or

regulations controlling the cleanup of these substances, wastes, or material.

 Site means any location, facility, or property as defined under any environmental law, whether you now own, operate, or utilize it or used

to own, operate, or utilize it, including disposal sites.

 Hazardous material means anything an environmental law defines as a hazardous waste, hazardous substance, toxic substance,

hazardous material, pollutant, contaminant, or similar term.

Report all notices, releases, and proceedings that you know about, regardless of when they occurred.

24. Has any governmental unit notified you that you may be liable or potentially liable under or in violation of an environmental law?

 No

 Yes. Fill in the details.

Name of site

Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

25. Have you notified any governmental unit of any release of hazardous material?

 No

 Yes. Fill in the details.

Name of site

Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

26. Have you been a party in any judicial or administrative proceeding under any environmental law? Include settlements and orders.

 No

 Yes. Fill in the details.

Case Title

Case Number

Court or agency

Name

Address (Number, Street, City,

State and ZIP Code)

Nature of the case Status of the

case

Part 11: Give Details About Your Business or Connections to Any Business

27. Within 4 years before you filed for bankruptcy, did you own a business or have any of the following connections to any business?

 A sole proprietor or self-employed in a trade, profession, or other activity, either full-time or part-time

 A member of a limited liability company (LLC) or limited liability partnership (LLP)

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 7

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

 A partner in a partnership

 An officer, director, or managing executive of a corporation

 An owner of at least 5% of the voting or equity securities of a corporation

 No. None of the above applies. Go to Part 12.

 Yes. Check all that apply above and fill in the details below for each business.

Business Name

Address

(Number, Street, City, State and ZIP Code)

Describe the nature of the business

Name of accountant or bookkeeper

Employer Identification number

Do not include Social Security number or ITIN.

Dates business existed

28. Within 2 years before you filed for bankruptcy, did you give a financial statement to anyone about your business? Include all financial

institutions, creditors, or other parties.

 No

 Yes. Fill in the details below.

Name

Address

(Number, Street, City, State and ZIP Code)

Date Issued

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 8

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

Part 12: Sign Below

I have read the answers on this Statement of Financial Affairs and any attachments, and I declare under penalty of perjury that the answers

are true and correct. I understand that making a false statement, concealing property, or obtaining money or property by fraud in connection

with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both.

18 U.S.C. §§ 152, 1341, 1519, and 3571.

Corinne C. Sykes Signature of Debtor 2

Signature of Debtor 1

Date Date

Did you attach additional pages to Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (Official Form 107)?

 No

 Yes

Did you pay or agree to pay someone who is not an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of Person . Attach the Bankruptcy Petition Preparer's Notice, Declaration, and Signature (Official Form 119).

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 9

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

/s/ Corinne C. Sykes 

11/20/2017

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Fill in this information to identify your case:

Debtor 1 Corinne C. Sykes

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 17-73607

(if known)  Check if this is an

amended filing

Official Form 108

Statement of Intention for Individuals Filing Under Chapter 7 12/15

If you are an individual filing under chapter 7, you must fill out this form if:

 creditors have claims secured by your property, or

 you have leased personal property and the lease has not expired.

You must file this form with the court within 30 days after you file your bankruptcy petition or by the date set for the meeting of creditors,

whichever is earlier, unless the court extends the time for cause. You must also send copies to the creditors and lessors you list

on the form

If two married people are filing together in a joint case, both are equally responsible for supplying correct information. Both debtors must

sign and date the form.

Be as complete and accurate as possible. 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).

Part 1: List Your Creditors Who Have Secured Claims

1. For any creditors that you listed in Part 1 of Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D), fill in the

information below.

Identify the creditor and the property that is collateral What do you intend to do with the property that

secures a debt?

Did you claim the property

as exempt on Schedule C?

Creditor's Ditech Financial, LLC  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a Description of 778 W. 48th Street Norfolk, VA Reaffirmation Agreement.

23508 Norfolk City County

GPIN: 1429801123;

property  Retain the property and [explain]:

securing debt: maintain and pay

Creditor's NationStar Mortgage  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a Description of 1622 W. 49th Street Norfolk, VA Reaffirmation Agreement.

23508 Norfolk City County

GPIN: 1429201072

property  Retain the property and [explain]:

securing debt: maintain and pay

Creditor's Perry & Anne Miles  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a Description of See Schedule A/B for Reaffirmation Agreement.

description of collateralOfficial Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 1

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

insufficient available space to

include on this schedule.

property  Retain the property and [explain]:

securing debt: maintain and pay

Creditor's PNC Bank  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a Description of 1705 Longwood Drive Norfolk, Reaffirmation Agreement.

VA 23508 Norfolk City County

Primary residence;

GPIN: 1429107307;

Value based on city real estate

tax assessment

property  Retain the property and [explain]:

securing debt:

 maintain and pay

Creditor's PNC Mortgage  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a Description of 1705 Longwood Drive Norfolk, Reaffirmation Agreement.

VA 23508 Norfolk City County

Primary residence;

GPIN: 1429107307;

Value based on city real estate

tax assessment

property  Retain the property and [explain]:

securing debt:

 maintain and pay

Creditor's SunTrust Mortgage  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a Description of 1612 49th Street Norfolk, VA Reaffirmation Agreement.

23508 Norfolk City County

GPIN: 1429203053;

property  Retain the property and [explain]:

securing debt: maintain and pay

Part 2: List Your Unexpired Personal Property Leases

For any unexpired personal property lease that you listed in Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G), fill

in the information below. Do not list real estate leases. Unexpired leases are leases that are still in effect; the lease period has not yet ended.

You may assume an unexpired personal property lease if the trustee does not assume it. 11 U.S.C. § 365(p)(2).

Describe your unexpired personal property leases Will the lease be assumed?

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 2

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 3

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Debtor 1 Corinne C. Sykes Case number (if known) 17-73607

Part 3: Sign Below

Under penalty of perjury, I declare that I have indicated my intention about any property of my estate that secures a debt and any personal

property that is subject to an unexpired lease.

X X

Corinne C. Sykes Signature of Debtor 2

Signature of Debtor 1

Date Date

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 4

Software Copyright (c) 1996-2017 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

/s/ Corinne C. Sykes 

11/20/2017

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