UNITED STATES BANKRUPTCY COURT

FOR THE EASTERN DISTRICT OF VIRGINIA

Alexandria Division

In re: 

Jose Cruz Lopez-Arevalo

Debtor

Chapter 13

Case No. 18-12005-BFK

_______________________________________

OBJECTION TO CONFIRMATION

Federal National Mortgage Association ("Fannie Mae"), creditor c/o Seterus, Inc. by its 

undersigned attorneys, Orlans PC, hereby objects to the confirmation of the Chapter 13 plan filed 

by the Debtor Jose Cruz Lopez-Arevalo (“Debtor”), and as grounds therefore states as follows:

1. On or about April 27, 2006, Jose Cruz Lopez-Arevalo executed and delivered to 

JPMorgan Chase Bank, N.A. a promissory note (the “Note”) in the amount of THREE 

HUNDRED FORTY-NINE THOUSAND DOLLARS AND NO CENTS ($349,000.00), 

plus interest at the adjustable rate of 6.5% per annum, to be paid over thirty (30) years.

2. Jose Cruz Lopez-Arevalo executed a Deed of Trust to JPMorgan Chase Bank, N.A. dated 

April 27, 2006. The Deed of Trust is a first mortgage on real property owned by the 

Debtor known and numbered as 15193 Holleyside Dr, Dumphries, VA 22025.

3. The Mortgage is materially in default.

4. The Debtor’s Chapter 13 Plan proposes to pay post-petition monthly mortgage payments 

of $2,761.00 directly to Federal National Mortgage Association ("Fannie Mae"), creditor 

c/o Seterus, Inc. and a pre-petition arrearage of $56,772.00. 

5. The Debtor’s Chapter 13 Plan understates the pre-petition arrearage and fails to propose a 

reasonable length of time to cure the pre-petition arrearage.

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6. The mortgage is non-modifiable pursuant to 11 U.S.C. §1322(b)(2).

7. As of June 7, 2018, the pre-petition arrearage was approximately $68, 340.24.

8. That Debtor’s Chapter 13 Plan appears under-funded to cure the pre-petition arrearage 

within a reasonable length of time. 

9. Depending upon any additional facts learned before the hearing on confirmation, Federal 

National Mortgage Association ("Fannie Mae"), creditor c/o Seterus, Inc. reserves the 

right to assert that the Plan was not proposed in good faith pursuant to 11 U.S.C. § 

1325(a)(3).

WHEREFORE, Federal National Mortgage Association ("Fannie Mae"), creditor c/o 

Seterus, Inc., by and through its attorneys prays that Confirmation be denied, and the case be 

dismissed, or in the alternative, Creditor prays that this Chapter 13 be converted to a Chapter 7 

pursuant to 11 U.S.C. §1307(c).

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Date: __July 9, 2018_______

Respectfully submitted,

 /s/ Sameera Navidi

Kathryn Smits, Bar # 77337

Sameera Navidi, Bar # 89441

Namrata Loomba, Bar # 87222

Heather D. McGivern, Bar # 91767

Orlans PC

PO Box 2548

Leesburg, VA 20177

(703)777-7101

Attorneys for Federal National Mortgage 

Association ("Fannie Mae"), creditor c/o Seterus, 

Inc.

ksmits@orlans.com

snavidi@orlans.com

nloomba@orlans.com

hmcgivern@orlans.com

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UNITED STATES BANKRUPTCY COURT

FOR THE EASTERN DISTRICT OF VIRGINIA

Alexandria Division

IN RE:

JOSE CRUZ LOPEZ-AREVALO

Debtor

Chapter 13

Case No. 18-12005-BFK

FEDERAL NATIONAL MORTGAGE 

ASSOCIATION ("FANNIE MAE"), 

CREDITOR C/O SETERUS, INC.

Movant

v.

JOSE CRUZ LOPEZ-AREVALO

15193 HOLLEYSIDE DRIVE

DUMPHRIES, VA 22025

(Debtor)

THOMAS P. GORMAN

300 N. WASHINGTON ST., STE. 400

ALEXANDRIA, VA 22314

(Trustee)

Respondents

NOTICE OF OBJECTION TO CONFIRMATION OF CHAPTER 13 PLAN

AND NOTICE OF HEARING 

Federal National Mortgage Association ("Fannie Mae"), creditor c/o Seterus, Inc. has filed 

an objection to your Chapter 13 plan in this bankruptcy case.

Confirmation of your Chapter 13 plan may be denied. You should read these papers 

carefully and discuss them with your attorney, if you have one.

If you do not want the Court to deny confirmation of your plan, then you and your 

attorney must:

ATTEND THE HEARING TO BE HELD:

at: Courtroom Judge Kenney's Courtroom United States Bankruptcy Court Virginia, 

200 S. Washington St., Alexandria, VA 22314

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on: August 23, 2018 at 1:30 PM

to consider and act upon Objection to Confirmation filed by Federal National Mortgage 

Association ("Fannie Mae"), creditor c/o Seterus, Inc.

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

oppose the objection to confirmation.

Date: _July 9, 2018__________

Respectfully submitted,

/s/ Sameera Navidi 

Kathryn Smits, Bar # 77337

Sameera Navidi, Bar # 89441

Namrata Loomba, Bar # 87222

Heather D. McGivern, Bar # 91767

Orlans PC

PO Box 2548

Leesburg, VA 20177

(703)777-7101

Attorneys for Federal National Mortgage 

Association ("Fannie Mae"), creditor c/o Seterus, 

Inc.

ksmits@orlans.com

snavidi@orlans.com

nloomba@orlans.com

hmcgivern@orlans.com

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CERTIFICATE OF SERVICE

The undersigned states that on July 9, 2018, copies of the foregoing Objection to 

Confirmation were filed with the Clerk of the Court using the ECF system, which will send 

notification of such filing to the following:

Thomas P. Gorman

300 N. Washington St., Ste. 400

Alexandria, VA 22314

ch13alex@gmail.com

Bankruptcy Trustee

Gary B. Fuller

Tate, Bywater & Fuller, PLC

2740 Chain Bridge Road

Vienna, VA 22181

gfuller@tatebywater.com

Debtor’s Attorney 

and I hereby certify that I have caused to be mailed by first class mail, postage prepaid, copies of 

the foregoing Objection to Confirmation to the following non-ECF participants:

Jose Cruz Lopez-Arevalo

15193 Holleyside Drive

Dumphries, VA 22025

Debtor 

 /s/ Sameera Navidi

Kathryn Smits, Esquire

Sameera Navidi, Esquire

Namrata Loomba, Esquire

Heather D. McGivern, Esquire

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