UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

Richmond Division

ln re Charmin G. Clarence

Debtor(s)

CaseNo. 18-35197-KRH

Chapter 7

AMENDMENT COVER SHEET

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

Involuntary/Voluntary Petition [Spectfu reas on for amendment :

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

mailedihand-delivered to the Clerk's Office on .*l

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

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

Schedule A/B - Property

Schedule C - The Property You Claim as Exempt

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

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

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

debt.) Checkapplicablestatement(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 - Your Codebtors

Schedulel-Yourlncome

Schedule J- Your Expenses

INOTE: The form "NOTICE TO CREDITOR(S) (RE AMENDMENT)D is still required when adding or deleting creditors.

*Amendment of debtor(s) Social Security Number requires that 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 (srestricted" entry

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

Statement of Financial Affairs

Statement of Intention for Individuals Filing Under Chapter 7

Chapter ll List of Equity Security Holders

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

Attorney's Disclosure of Compensation

Other: amended schedules A B and C to correct name of credit union

NOTICE OF AMENDMENT(S) TO AFFECTED PARTI

Pursuant to Federal Rule ofBankruotcv Procedure 1009(a) and Local Rule 1009-1. Icertifr ice of the filing o!

amendment(s) checked above has been given this date to the United States Trustee, the tru n this and to

affected by the amendment as follows: electronicall served or mailed by first

Date: 1112112018

/s/Michael A. Riede

Attomey for Debtor(s) lor Pro Se Debtor(s)l

State Bar No.: 20215

Mailins Address: 208 ll2 North 23rd Street

Richmond, V A 23223

804-343-1112

_X

X

famendcs ver l2/16] Telephone No.:

Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

Document Page 1 of 9
'Debtor 1

Debtor 2

(Spouse, ffiling)

Charmin G Clarence

Frrst Name Middle Name Last Name

11120118 12t31PM

Check if this is an

amended filing

Middle Name Last Name

United States Bankruptcy Court for the EASTERN DISTRICT OF VIRGINIA

1 8-351 97

Official Form 1064/8

Schedule A/B: Property 12t15

In each category, separately list and describe items. List an asset only once. lf 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. lf two married people are filing together, both are equally responsible for supplying iorrect

information. lf more space is needed, attach a separate sheet to this form. On the top of any additional pages, write your name and case numbir (if known),

Answer every question.

@ Describe Each Reslgence, Buitding, Land, or other Reat Estate You own or Have an tnterest In

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

I ruo Go to Part 2

E Yes Where is the property?

@-?""gry"1"lI-Y9[91"-:

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 lf you lease a vehicle, also report it on Schedu/e G: Executory Contracts and Unexpired Leases

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

tr

I

3 1 Make: Buick Do not deduct secured claims or exemptions Put

the amount of any secured claims on Schedule D

Creditors Who Have Claims Secured by Propefty

Current value of the Current value of the

Model: VeranO

Year: 2013

No

Yes

Approximate mileage:

Other information:

941 00

Who has an interest in the property? check one

I Debtor 1 onty

E Debtor 2 only

E Debtor 1 and Debtor 2 only

E At least one of the debtors and another

E Ctrecl if this is community property

(see instructions)

entire property? portion you own?

$8,000.00 $8,000.00

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

I tto

E Yes

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

pagesyouhaveattachedforPart2.Writethatnumberhere.'.....'....'.'..............=>

@ Describe

s8.000.00

Your Personal and Household ltems

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

E tto

Official Form 106A,/8

Software Copyright (c) 1996-2018 Best Case, LLC - w bestcase com

page 1

Best Case Bankruptcy

Schedule A,/B: Properiy

Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

Document Page 2 of 9
11120118 12:31PM

Debtorl Charmin G Clarence Case number (if known) 18-35197

I Yes Describe

household furnishinqs $1,000.00

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

ENo

I Yes Describe

[z-illevisions Szoo; I cettptrone $1ooi-{;blet $s0 $350.00

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

I t',to

E 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

I tto

E Yes Describe ...

10 Firearms

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

Iruo

E Yes Describe,

11 Clothes

Examples: Everyday clothes, furs, leather coats, designer wear, shoes, ac@ssones

E tto

I Yes Describe

wear!ng appare! $300.00

12 Jewelry

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

I t'to

E Yes Describe

13 Non-farm animals

Examples: Dogs, cats, birds, horses

I tto

E Yes Describe

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

Iruo

! 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 $1,650.00

@ o"."1i g9 Y9 " I ll"'.9!l t1!E

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

Official Form 1064/8

Software Copyright (c) 1 996-2018 Best Case, LLC - w bestcase com

page 2

Best Case Bankruptcy

Schedule A,/B: Property

Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

Document Page 3 of 9
Debtorl Charmin G Clarence

11t20118 12.31PM

Case number (if known) 18-35197

16 Gash

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

Eruo

I Yes

Cash $50.00

17 Deposits of money

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

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

fl ruo

I yes 

.. ... 

Institution name:

checking - $21,

17 1 saving $5 Virginia Credit Union, Richmond, VA $26.00

17.2. paycard Skylight paycard $4.00

18 Bonds, mutual funds, or publicly traded stocks

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

I tto

E yes 

,. . 

Institution or issuer name:

1 9 Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership, and

joint venture

I t,to

E Yes Give specific information about them......

Name of entity: Yo of ownership:

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

lNo

E Yes Give soecific information about them

tssuer name:

21 Retirement or pension accounts

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

Eruo

I Yes List each account separately.

Type of account:

401 (k)

Institution name:

E{-a Euplevgg Be!iern9!$qY!!1s9

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

I tto

E 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)

I tto

E yes lssuer name and description

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

26 U S c. SS 530(bX1), 529A(b), and 529(bXl)

Iruo

E yes Institution name and description. Separately file the records of any interests.ll U.S.C. $ 521(c):

$850.00

page 3

Best Case Bankruptcy

Official Form 106tu8

Software Copyright (c) 1 996-2018 Best Case, LLC - w bestcase com

Schedule A/B: Property

Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

Document Page 4 of 9
Debtorl Charmin G Clarence

11t20t18 12 31PM

Case number (if known) 18-35197

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

INo

E 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

lruo

E 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

lNo

E Yes Give soecific information about them..

Money or property owed to you? Current value of the

portion you own?

Do not deduct secured

claims or exemptions

28 fax refunds owed to you

Eruo

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

$1.00

Virginia $1.00

29

30

3 1

Family support

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

I tto

E Yes Give specific information ...

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

I tto

E Yes Give specific information

Interests in insurance policies

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

I tto

E 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

lf 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

lruo

E 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

Iruo

El Yes Describe each claim ........

34 Other contingent and unliquidated claims of every nature, including counterclaims

I tto

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

Software Copyright (c) 1996-2018 Best Case, LLC - \W bestcase com

of the debtor and rights to set off claims

page 4

Best Case Bankruptcy

Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

Document Page 5 of 9
Debtorl Charmin G Glarence

11120118 12:31PM

Case number 0fknown) 18-35197

E Yes Describe each claim

35 Any financial assets you did not already list

I tto

E Yes Give specific information

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

@ Describe Any Buslness.-Related Property You own or Have an Interest In. List any reat estate in Part 1.

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

I ruo co to Part 6

E Yes Go to line 38

Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In,

lf 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?

I ruo co to Part 7

E Yes Go to line 47

Describe All Proper$ 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

I tto

E Yes Give soecific information

54 Add the dollar value of all of your entries from Part 7. Write that number here .............. $0'00

List the Totals of Each Part of this Form

55 Part 1: Total real estate. line 2 ,......,..... $0.00

56 Part 2: Total vehicles, line 5

57 Part 3: Total personal and household items, line 15

58 Part 4: Total financial assets, line 36

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

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

61 Part 7: Total other property not listed, line 54

$8,000.00

$1,650.00

$932.00

$o'oo

$0.00

+ $0'00

62. Total personal property. Add lines 56 through 61... $10,582.00 Copy personal property total $10,582.00

63 Total of all property on Schedule A/B Add line 55 + line 62 $10,582.00

Official Form 106A,/8

Soflware Copyright (c) 1996-2018 Best Case, LLC - w bestcase com

page 5

Best Case Bankruptcy

Schedule A,/B: Property

Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

Document Page 6 of 9
11l20t tB 12:31PM

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number

(if known)

1 8-351 97

! Check if this is an

amended filing

Debtor 1

Debtor 2

(Spouse if, filing) First Name

Charmin G Clarence

FlrcaNm Mioote t'tare

liliddle Name

Official Form 106C

Schedule G: The Property You Glaim as Exempt 4t16

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

the propertyyou listed on Schedu/e NB: Propefty (Official Form 106A/8) asyoursource, listthe propertythatyou claim asexempt lf more space is

needed, fill out and attach to this page as many copies of Parl 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+uch 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.

f,fiII lde41rly tlelrssery You Qlqiq as E4e,rypJ

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

I You are claiming state and federal nonbankruptcy exemptions 11 U S C S 522(bX3)

E You are claiming federal exemptions 11 U S C S 522(bX2)

2 For any propefty you list on Schedule y''/Bthat you claim as exempt, fill in the information below.

Brief description of the property and line on Current value of the Amount of the Bxemption you claim Specific laws that allow exemption

Schedule NB that lists this property

2013 Buick Verano 94100 miles

Line from Schedule NB:3.1

household furnishings

Line from Schedule NB:6.1

portion you own

Copy the value from Check only one box for each exemption

Schedule NB

$8,000.00 I $1.00 Va' Code Ann' $ 34-26(8)

n 100% of fair market value, up to

any applicable statutory limit

$1,000.00 I $1,000.00 Va. Code Ann. $ 3$-26@al

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. $ 34-26(4a)

tr

2 televisions $200; 1 cell phone $100;

tablet $50

Line from Schedule NB:7 .1

$3s0.00 $350.00

100% of fau market value, up to

any applicable statutory limit

I

tr

wearing apparel

Line from Schedule NB: 11.1

Cash

Line from Schedule NB:16.1

$300.00 I $3OO.O0 Va. Code Ann. $ 34-26(41

tr 100% of fair market value, up to

any applicable statutory limit

$50.00 I S50.00 Va. Code Ann. $ 34-4

tr 100% of fan market value, up to

any applicable statutory limit

Official Form'106C Schedule C: The Property You Claim as Exempt page 1 of 2

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Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

Document Page 7 of 9
Debtorl Charmin G Glarence

Brief description of the property and tine on

Schedule NB that lists this property

checking - $21, saving $5: Virginia

Credit Union, Richmond, VA

Line from Schedule NB:'17.'l

Current value ofthe Amount ofthe exemption you claim

portion you own

Copy the value from Check only one box for each exemption

Schedule NB

11l20hB 12:31PM

Case number (if known) 18-35197

Specific laws that allow exemption

$21.00 Va. Code Ann. $ 34-4 $26.00 I

tr 100% of fair market vatue, up to

any applicable statutory limit

paycard: Skylight paycard

Line from Schedule NB:'17.2 $4.00 I

tr

$4.00 Va. Code Ann. $ 34-4

100o/of far market value, up to

any applicable statutory limit

401(k): BKD Employee Retirement

Savings

Line from Schedule NB:21 ,'l

$850.00 r $850.00 Va. Gode Ann. $ 34-34

tr 100o/o of fair market value, up to

any applicable statutory Iimit

Federal: income tax refund

Line from Schedule NB:28.1 $1.00 I

tr

S1.OO Va. Code Ann. $ 34-4

100% of fair market value, up to

any applicable statutory limit

$1.00 T

tr fiO% of lai market vatue. uo to

any applicable statutory limit

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

(Subjecto adjustment on 4101l1g and every 3 years after that for cases filed on or after the date of adjustment )

lNo

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

trNo

tr Yes

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

Virginia: income tax refund

Line from Schedule NB:28.2

$1.00 Va. Code Ann. $ 34-4

page 2 of 2

Software Copyright (c) 1996-2018 Best Case, LLC - w best€se com Best Case Bankruptcy

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Document Page 8 of 9
11120118 12:36PM

Debtor 1

Debtor 2

(Spouse il filing)

Charmin G Clarence

Name

First Name

United States Bankruptcy Court for the:

Case number 18-35197

(f known)

Official Form 106Dec

Declaration About an ndividual Debtor's Schedules

lf two married people are filing together,

You must file this form whenever you file

are equally responsible for supplying correct information.

schedules or amended schedules. Making a false statement, concealing property, or

obtaining money or property by fraud in 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. SS 152,1341,1519, 3571.

I Check if this is an

amended filing

Date

Atlach Bankruptcy Petition Preparels Notice,

Declaration, and Signature (Official Form 119)

Official Form 106Dec

Software Copyright (c) 1 996-2018 Best Case, LLC - M

It]yneerow

Did you pay or agree to pay someone

TNo

tr Yes. Name of person

is NOT an attorney to help you fill out bankruptcy forms?

Under penalty of perjury, I declare that have read the summary and schedules

that they are true and correct.

X /s/ Charmin G Clarence

Charmin G Clarence

Signature of Debtor 1

Date November 20,2018

filed with this declaration and

Best Case Bankruptcy

Case 18-35197-KRH Doc 9 Filed 11/21/18 Entered 11/21/18 16:24:20 Desc Main

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