United States Bankruptcy Court

Eastern District of Virginia, Alexandria Division

CHAPTER 13 PLAN AND RELATED MOTIONS

Name of Debtor(s): Case No: 1:19-bk-10429

Stewart, Dawn C

This plan, dated March 11, 2019 , is:

[X] the first Chapter 13 plan filed in this case.

[ ] a modified Plan that replaces the

[ ] confirmed or [ ] unconfirmed Plan dated .

Date and Time of Modified Plan Confirmation Hearing:

Place of Modified Plan Confirmation Hearing:

The plan provisions modified by this filing are:

Creditors affected by this modification are:

1. Notices

To Creditors:

Your rights may be affected by this plan. Your claim may be reduced, modified, or eliminated. You should read this

plan carefully and discuss it with your attorney if you have one in this bankruptcy case. If you do not have an

attorney, you may wish to consult one.

If you oppose the plan’s treatment of your claim or any provision of this plan, you or your attorney must file an

objection to confirmation at least 7 days before the date set for the hearing on confirmation, unless otherwise ordered

by the Bankruptcy Court.

(1) Richmond and Alexandria Divisions:

The Bankruptcy Court may confirm this plan without further notice if no objection to confirmation is filed. See

Bankruptcy Rule 3015.

(2) Norfolk and Newport News Divisions: a confirmation hearing will be held even if no objections have been filed.

(a) A scheduled confirmation hearing will not be convened when:

(1) an amended plan is filed prior to the scheduled confirmation hearing; or

(2) a consent resolution to an objection to confirmation anticipates the filing of an amended plan and

the objecting party removes the scheduled confirmation hearing prior to 3:00 pm on the last

business day before the confirmation hearing.

In addition, you may need to timely file a proof of claim in order to be paid under any plan.

The following matters may be of particular importance.

Debtors must check one box on each line to state whether or not the plan includes each of the following items. If an

item is checked as “Not Included”or if both boxes are checked, the provision will be ineffective if set out later in the

plan.

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A. A limit on the amount of a secured claim, set out in Section 4.A which may

result in a partial payment or no payment at all to the secured creditor

[ ] Included [X] Not included

B. Avoidance of a judicial lien or nonpossessory, nonpurchase-money security

interest, set out in Section 8.A

[ ] Included [X] Not included

C. Nonstandard provisions, set out in Part 12 [ ] Included [X] Not included

2. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of $ 920.00 per month for 4 months. Other payments to the

Trustee are as follows: $1616.43 per month for 56 months.

The total amount to be paid into the Plan is $ 94,200.08.

3. Priority Creditors. The Trustee shall pay allowed priority claims in full unless the creditor agrees otherwise.

A. Administrative Claims under 11 U.S.C. § 1326.

1. The Trustee will be paid the percentage fee fixed under 28 U.S.C. § 586(e), not to exceed 10%, of all sums received

under the plan.

2. Check one box:

[X] Debtor(s)’ attorney has chosen to be compensated pursuant to the “no-look” fee under Local Bankruptcy Rule

2016-1(C)(1)(a) and (C)(3)(a) and will be paid $ 0.00 balance due of the total fee of $ 3,000.00 concurrently with

or prior to the payments to remaining creditors.

[ ] Debtor(s) attorney has chosen to be compensated pursuant to Local Bankruptcy Rule 2016-1(C)(1)(c)(ii) and must

submit applications for compensation as set forth in the Local Rules.

B. Claims under 11 U.S.C. §507.

The following priority creditors will be paid by deferred cash payments pro rata with other priority creditors or in monthly

installments as below, except that allowed claims pursuant to 11 U.S.C. § 507(a)(1) will be paid pursuant to 3.C below:

Creditor Type of Priority Estimated Claim Payment and Term Arlington County, County Treasurer Taxes 133.00

2.56

52 mos

Commonwealth Of Virginia Taxes 7,747.00

148.98

52 mos

DC DMV Adjudication Services Taxes 1,200.00

23.08

52 mos

Internal Revenue Service Taxes 63,984.00 1,230.46

52 mos

C. Claims under 11 U.S.C. § 507(a)(1)

The following priority creditors will be paid prior to other priority creditors but concurrently with administrative claims

above.

Creditor Type of Priority Estimated Claim Payment and Term

4. Secured Creditors: Motions to Value Collateral (“Cramdown”), Collateral being Surrendered, Adequate Protection

Payments, and Payment of certain Secured Claims.

A. Motions to Value Collateral (other than claims protected from “cramdown”by 11 U.S.C. § 1322(b)(2) or by the

final paragraph of 11 U.S.C. § 1325(a)). Unless a written objection is timely filed with the Court, the Court may

grant the debtor(s)' motion to value collateral as set forth herein.

This section deals with valuation of certain claims secured by real and/or personal property, other than claims protected from “cramdown”by

11 U.S.C. § 1322(b)(2) [real estate which is debtor(s)' principal residence] or by the final paragraph of 11 U.S.C. § 1325(a) [motor vehicles

purchased within 910 days or any other thing of value purchased within 1 year before filing bankruptcy], in which the replacement value is

asserted to be less than the amount owing on the debt. Such debts will be treated as secured claims only to the extent of the replacement

value of the collateral. That value will be paid with interest as provided in sub-section D of this section. You must refer to section

4(D) below to determine the interest rate, monthly payment and estimated term of repayment of any “crammed down” loan. The

deficiency balance owed on such a loan will be treated as an unsecured claim to be paid only to the extent provided in section 5 of the

Plan. The following secured claims are to be “crammed down” to the following values:

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Creditor Collateral Purchase Date Estimated

Debt Bal. Replacement Value None

B. Real or Personal Property to be Surrendered.

Upon confirmation of the Plan, or before, the debtor(s) will surrender his/her/their interest in the collateral securing the claims

of the following creditors in satisfaction of the secured portion of such creditors' allowed claims. To the extent that the collateral

does not satisfy the claim, any timely filed deficiency claim to which the creditor is entitled may be paid as a non-priority

unsecured claim. Confirmation of the Plan shall terminate the automatic stay under § § 362(a) and 1301(a) as to the interest of

the debtor(s), any co-debtor(s) and the estate in the collateral.

Creditor Collateral Description Estimated Value Estimated Total Claim None

C. Adequate Protection Payments.

The debtor(s) propose to make adequate protection payments required by 11 U.S.C. § 1326(a) or otherwise upon claims secured

by personal property, until the commencement of payments provided for in sections 4(D) and/or 7(B) of the Plan, as follows:

Creditor Collateral Adeq. Protection Monthly Payment To Be Paid By

None

Any adequate protection payment upon an unexpired lease of personal property assumed by the debtor(s) pursuant to section

7(B) of the Plan shall be made by the debtor(s) as required by 11 U.S.C. § 1326(a)(1)(B) (payments coming due after the order

for relief).

D. Payment of Secured Claims on Property Being Retained (except only those loans provided for in section 6 of the Plan):

This section deals with payment of debts secured by real and/or personal property [including short term obligations, judgments,

tax liens and other secured debts]. After confirmation of the Plan, the Trustee will pay to the holder of each allowed secured

claim, which will be either the balance owed on the indebtedness or, where applicable, the collateral's replacement value as

specified in sub-section A of this section, whichever is less, with interest at the rate provided below, the monthly payment

specified below until the amount of the secured claim has been paid in full. Upon confirmation of the Plan, the valuation

specified in sub-section A and interest rate shown below will be binding unless a timely written objection to confirmation

is filed with and sustained by the Court.

Creditor Collateral

Approx. Bal. Of Debt or “Crammed Down”

Value

Interest

Rate Monthly Payment& Est. Term

None

E. Other Debts.

Debts which are (i) mortgage loans secured by real estate which is the debtor(s)' principal residence, or (ii) other long term

obligations, whether secured or unsecured, to be continued upon the existing contract terms with any existing default in

payments to be cured pursuant to 11 U.S.C. § 1322(b)(5), are provided for in section 6 of the Plan.

5. Unsecured Claims.

A. Not separately classified. Allowed non-priority unsecured claims shall be paid pro rata from any distribution remaining

after disbursement to allowed secured and priority claims. Estimated distribution is approximately 0.2 %. The dividend

percentage may vary depending on actual claims filed. If this case were liquidated under Chapter 7, the debtor(s) estimate that

unsecured creditors would receive a dividend of approximately 0.00 %.

B. Separately classified unsecured claims.

Creditor Basis for Classification Treatment

None

6. Mortgage Loans Secured by Real Property Constituting the Debtor(s)' Principal Residence; Other Long Term Payment

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Obligations, whether secured or unsecured, to be continued upon existing contract terms; Curing of any existing default

under 11 U.S.C. § 1322(b)(5).

A. Debtor(s) to make regular contract payments; arrears, if any, to be paid by Trustee. The creditors listed below will be

paid by the debtor(s) pursuant to the contract without modification, except that arrearages, if any, will be paid by the Trustee

either pro rata with other secured claims or on a fixed monthly basis as indicated below, without interest unless an interest rate

is designated below for interest to be paid on the arrearage claim and such interest is provided for in the loan agreement. A

default on the regular contract payments on the debtor(s) principal residence is a default under the terms of the plan.

Creditor Collateral

Regular

Contract

Payment

Estimated

Arrearage ArrearageInterest Rate Estimated Cure Period

Monthly

Arrearage Payment

BB&T 1600 N Oak St Apt 1216, Arlington, VA 22209-2756 2,180.00 11,442.55 0.00% 52-60 1,271.39

B. Trustee to make contract payments and cure arrears, if any. The Trustee shall pay the creditors listed below the regular

contract monthly payments that come due during the period of this Plan, and pre-petition arrearages on such debts shall be

cured by the Trustee either pro rata with other secured claims or with monthly payments as set forth below.

Creditor Collateral

Regular

Contract

Payment

Estimated

Arrearage

Interest Rate on Arrearage MonthlyPayment on Arreargae & Est. Term

None

C. Restructured Mortgage Loans to be paid fully during term of Plan. Any mortgage loan against real estate constituting

the debtor(s)' principal residence upon which the last scheduled contract payment is due before the final payment under the Plan

is due shall be paid by the Trustee during the term of the Plan as permitted by 11 U.S.C. § 1322(c)(2) with interest at the rate

specified below as follows:

Creditor Collateral

Interest

Rate EstimatedClaim

Monthly

Payment & Term

None

7. Unexpired Leases and Executory Contracts. The debtor(s) move for assumption or rejection of the executory contracts, leases

and/or timeshare agreements listed below.

A. Executory contracts and unexpired leases to be rejected. The debtor(s) reject the following executory contracts.

Creditor Type of Contract

Access Storage File Storage Quarterly Contract

Lexis Nexus Research Service Contract

B. Executory Contracts and unexpired leases to be assumed. The debtor(s) assume the following executory contracts. The

debtor(s) agrees to abide by all terms of the agreement. The Trustee will pay the pre-petition arrearages, if any, through

payments made pro rata with other priority claims or on a fixed monthly basis as indicated below.

Creditor Type of Contract Arrearage Monthly Payment

for Arrears EstimatedCure Period

None

8. Liens Which Debtor(s) Seek to Avoid.

A. The debtor(s) move to avoid liens pursuant to 11 U.S.C. § 522(f). The debtor(s) move to avoid the following judicial liens

and non-possessory, non-purchase money liens that impair the debtor(s)' exemptions. Unless a written objection is timely filed

with the Court, the Court may grant the debtor(s)' motion and cancel the creditor's lien. If an objection is filed, the Court

will hear evidence and rule on the motion at the confirmation hearing.

Creditor Collateral Exemption Basis Exemption Amount Value of Collateral

None

B. Avoidance of security interests or liens on grounds other than 11 U.S.C. § 522(f). The debtor(s) have filed or will file and

serve separate adversary proceedings to avoid the following liens or security interests. The creditor should review the notice or

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summons accompanying such pleadings as to the requirements for opposing such relief. The listing here is for information

purposes only.

Creditor Type of Lien Description of Collateral Basis for Avoidance None

9. Treatment and Payment of Claims. · All creditors must timely file a proof of claim to receive any payment from the Trustee. · If a claim is scheduled as unsecured and the creditor files a claim alleging the claim is secured but does not timely object to

confirmation of the Plan, the creditor may be treated as unsecured for purposes of distribution under the Plan. This

paragraph does not limit the right of the creditor to enforce its lien, to the extent not avoided or provided for in this case,

after the debtor(s) receive a discharge. · If a claim is listed in the Plan as secured and the creditor files a proof of claim alleging the claim is unsecured, the creditor

will be treated as unsecured for purposes of distribution under the Plan. · The Trustee may adjust the monthly disbursement amount as needed to pay an allowed secured claim in full. · If relief from the automatic stay is ordered as to any item of collateral listed in the plan, then, unless otherwise ordered by

the court, all payments as to that collateral will cease, and all secured claims based on that collateral will no longer be

treated by the plan. · Unless otherwise ordered by the Court, the amount of the creditor’s total claim listed on the proof of claim controls over any

contrary amounts listed in the plan.

10. Vesting of Property of the Estate. Property of the estate shall revest in the debtor(s) upon confirmation of the Plan.

Notwithstanding such vesting, the debtor(s) may not transfer, sell, refinance, encumber real property or enter into a mortgage

loan modification without approval of the Court after notice to the Trustee, any creditor who has filed a request for notice and

other creditors to the extent required by the Local Rules of this Court.

11. Incurrence of indebtedness. The debtor(s) shall not voluntarily incur additional indebtedness exceeding the cumulative total of

$5,000 principal amount during the term of this Plan, whether unsecured or secured, except upon approval of the Court after

notice to the Trustee, any creditor who has filed a request for notice, and other creditors to the extent required by the Local

Rules of this Court.

12. Nonstandard Plan Provisions

[X] None. If “None”is checked, the rest of Part 12 need not be completed or reproduced.

Under Bankruptcy Rule 3015(c), nonstandard provisions must be set forth below. A nonstandard provision is a provision

not otherwise included in the Official Form or deviating from it. Nonstandard provisions set out elsewhere in this plan

are ineffective.

The following plan provisions will be effective only if there is a check in the box “Included”in § 1.C.

Dated: March 11, 2019

/s/ Dawn C Stewart

Debtor 1 (Required)

/s/ Neil Spencer Welles

Debtor(s)' Attorney

Debtor 2 (Required)

The Lilly Law Group, PC

10195 Main St Ste I

Fairfax, VA 22031-3415

(571) 432-0300

By filing this document, the Attorney for Debtor(s) or Debtor(s) themselves, if not represented by an attorney, also

certify(ies) that the wording and order of the provisions in this Chapter 13 plan are identical to those contained in the Local

Form Plan, other than any nonstandard provisions included in Part 12.

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Exhibits: Copy of Debtor(s)' Budget (Schedules I and J); Matrix of Parties Served with plan

Certificate of Service

I certify that on March 11, 2019, I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service List.

Access Storage

5405 Buford Hwy Ste 120

Norcross, GA 30071-3978

Allstate Insurance Company

C/o Patrick E. Ronan, Esquire Allstate S

7501 Greenway Center Dr Ste 400

Greenbelt, MD 20770-3506

Amex

Correspondence

PO Box 981540

El Paso, TX 79998-1540

Amex

Correspondence/Bankruptcy

PO Box 981540

El Paso, TX 79998-1540

Arlington County, County Treasurer

#1 Courhouse Plaza, Ste 215

Compliance Division

Arlington, VA 22216-0530

AT&T BK Dept.

5407 Andrews Hwy

Midland, TX 79706-2851

Bank of America

Attn: Bankruptcy

PO Box 982238

El Paso, TX 79998-2238

BB&T

In Care of Bankruptcy Dept

PO Box 1847

Wilson, NC 27894-1847

Belvedere Condominium Unit Owners Assoc

Management Association

1600 N Oak St Ofc

Arlington, VA 22209-2742

Commonwealth Of Virginia

PO Box 2156

Richmond, VA 23218-2156

DC DMV Adjudication Services

PO Box 2014

Washington, DC 20013

Discover Financial

PO Box 3025

New Albany, OH 43054-3025

Estate of MCSG Wind-Down Inc

C/o Bradford F. Englander, Esq.

3190 Fairview Park Dr Ste 800

Falls Church, VA 22042-4558

I C System Inc

Attn: Bankruptcy

PO Box 64378

Saint Paul, MN 55164-0378

Internal Revenue Service

PO Box 7346

Philadelphia, PA 19101-7346

Lexis Nexis

C/o Commercial Collection Corp. of NY

PO Box 288 34 Seymour Street

Tonawanda, NY 14150-2126

Lorraine Magee

12474 Selkirk Cir

Bristow, VA 20136-3075

Meredith Coleman

2951 Hemlock Rd SW

Roanoke, VA 24014-3207

Quest Diagnostic

1901 Sulphur Spring Rd

Baltimore, MD 21227-2949

Robert Emma, MD, PC

1015 33rd St NW

Washington, DC 20007-3523

SunTrust Bank

PO Box 621569

Orlando, FL 32862-1569

SunTrust Bank

PO Box 27572

Richmond, VA 23261-7572

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Suntrust Bank

Attn: Bankruptcy Mail Code VA-RVW-6290

PO Box 85092

Richmond, VA 23285

Wells Fargo Bank

Attn: Bankruptcy Dept

PO Box 6429

Greenville, SC 29606-6429

Whiteford, Taylor & Preston, LLP

3190 Fairview Park Dr Ste 300

Falls Church, VA 22042-4559

/s/ Neil Spencer Welles

Signature

The Lilly Law Group, PC

10195 Main St Ste I

Fairfax, VA 22031-3415

(571) 432-0300 Fax: (571) 432-030

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004

I hereby certify that on 3/11/2019, true copies of the forgoing Chapter 13 Plan and Related Motions were served upon the following

creditor(s):

All parties listed on the Certificate of Service.

 by first class mail in conformity with the requirements of Rule 7004(b), Fed.R.Bankr.P; or

 certified mail in conformity with the requirements of Rule 7004(h), Fed.R.Bankr.P

 /s/Neil Spencer Welles

 Signature of attorney for debtor(s)

[ver. 10/18]

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© 2019 CINgroup 1.866.218.1003 – CINcompass (www.cincompass.com)

Official Form 6I Schedule I: Your Income page 1

Official Form 6I 

Schedule I: Your Income 12/13

Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for 

supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your spouse. 

If you are separated and your spouse is not filing with you, do not include information about your spouse. 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 Employment 

1. Fill in your employment 

information.

If you have more than one job, 

attach a separate page with 

information about additional 

employers. 

Include part-time, seasonal, or 

self-employed work. 

Occupation may Include student 

or homemaker, if it applies.

Debtor 1 Debtor 2 or non-filing spouse 

Employment status Employed

Not employed 

Employed

Not employed 

Occupation __________________________________ __________________________________ 

Employer’s name __________________________________ __________________________________ 

Employer’s address 

_______________________________________ 

Number Street 

_______________________________________ 

_______________________________________ 

_______________________________________ 

City State ZIP Code 

________________________________________ 

Number Street 

________________________________________ 

________________________________________ 

________________________________________ 

City State ZIP Code 

How long employed there? _______ _______ 

Part 2: Give Details About Monthly Income 

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing 

spouse unless you are separated. 

If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines 

below. If you need more space, attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or 

non-filing spouse 

2. List monthly gross wages, salary, and commissions (before all payroll 

deductions). If not paid monthly, calculate what the monthly wage would be. 2. $___________ $____________

3. Estimate and list monthly overtime pay. 3. + $___________ + $____________

4. Calculate gross income. Add line 2 + line 3. 4. $__________ $____________ 

Debtor 1 ____________________________________________________________________ 

First Name Middle Name Last Name

Debtor 2 __________________________________________________________________ 

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

United States Bankruptcy Court for the:

Case number ___________________________________________ 

 (If known) 

Fill in this information to identify your case: 

Check if this is: 

 An amended filing 

A supplement showing post-petition 

chapter 13 income as of the following date: 

________________

MM / DD / YYYY 

Dawn C Stewart

Eastern District of Virginia, Alexandria Division

1:19-bk-10429

0.00

0.00

0.00

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 Document Page 8 of 12
© 2019 CINgroup 1.866.218.1003 – CINcompass (www.cincompass.com)

Debtor 1 __________________________________ _____________________ Case number (if known)_____________________________________ 

First Name Middle Name Last Name

 Official Form 6I Schedule I: Your Income page 2

For Debtor 1 For Debtor 2 or 

non-filing spouse

Copy line 4 here ............................................................................................ 4. $___________ $_____________ 

5. List all payroll deductions: 

5a. Tax, Medicare, and Social Security deductions 5a. $____________ $_____________ 

5b. Mandatory contributions for retirement plans 5b. $____________ $_____________ 

5c. Voluntary contributions for retirement plans 5c. $____________ $_____________ 

5d. Required repayments of retirement fund loans 5d. $____________ $_____________ 

5e. Insurance 5e. $____________ $_____________ 

5f. Domestic support obligations 5f. $____________ $_____________ 

5g. Union dues 5g. $____________ $_____________ 

5h. Other deductions. Specify: __________________________________ 5h. + $____________ + $_____________

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e +5f + 5g +5h. 6. $____________ $_____________

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $____________ $_____________ 

8. List all other income regularly received: 

8a. Net income from rental property and from operating a business, 

profession, or farm 

Attach a statement for each property and business showing gross 

receipts, ordinary and necessary business expenses, and the total 

monthly net income. 8a. $____________ $_____________ 

8b. Interest and dividends 8b. $____________ $_____________ 

8c. Family support payments that you, a non-filing spouse, or a dependent 

regularly receive 

Include alimony, spousal support, child support, maintenance, divorce 

settlement, and property settlement. 8c. $____________ $_____________ 

8d. Unemployment compensation 8d. $____________ $_____________ 

8e. Social Security 8e. $____________ $_____________ 

8f. Other government assistance that you regularly receive 

Include cash assistance and the value (if known) of any non-cash assistance 

that you receive, such as food stamps (benefits under the Supplemental 

Nutrition Assistance Program) or housing subsidies. 

Specify: ___________________________________________________ 8f. 

$____________ $_____________ 

8g. Pension or retirement income 8g. $____________ $_____________ 

8h. Other monthly income. Specify: _______________________________ 8h. + $____________ + $_____________

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f +8g + 8h. 9. $____________ $_____________ 

10. Calculate monthly income. Add line 7 + line 9.

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse. 10.

$___________ + $_____________ = $_____________ 

11. State all other regular contributions to the expenses that you list in Schedule J. 

Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and 

other friends or relatives. 

Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J. 

Specify: _______________________________________________________________________________ 11. + $_____________ 

12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income. 

Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it applies 12. $_____________ 

Combined 

monthly income 

13. Do you expect an increase or decrease within the year after you file this form? 

 No. 

Yes. Explain: 

Dawn C Stewart 1:19-bk-10429

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6,430.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6,430.00

6,430.00

0.00

6,430.00

6,430.00

9

None

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 Document Page 9 of 12
© 2019 CINgroup 1.866.218.1003 – CINcompass (www.cincompass.com)

 Official Form 6J Schedule J: Your Expenses page 1

Official Form 6J 

Schedule J: Your Expenses 12/13 

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 another 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 Your Household

1. Is this a joint case? 

No. Go to line 2. 

Yes. Does Debtor 2 live in a separate household? 

No 

Yes. Debtor 2 must file a separate Schedule J.

2. Do you have dependents? 

Do not list Debtor 1 and 

Debtor 2. 

Do not state the dependents’ 

names. 

No 

Yes. Fill out this information for 

each dependent .......................... 

Dependent’s relationship to 

Debtor 1 or Debtor 2

Dependent’s 

age

Does dependent live 

with you?

_________________________ ________ 

No

Yes

_________________________ ________ No

Yes

_________________________ ________

No

Yes

_________________________ ________ 

No

Yes

_________________________ ________

No

Yes

3. Do your expenses include 

expenses of people other than 

yourself and your dependents? 

No

Yes

Part 2: Estimate Your Ongoing Monthly Expenses

Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report 

expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the 

applicable date. 

Include expenses paid for with non-cash government assistance if you know the value of 

such assistance and have included it on Schedule I: Your Income (Official Form 6I.) Your expenses 

4. The rental or home ownership expenses for your residence. Include first mortgage payments and 

any rent for the ground or lot. 4. $_____________________ 

If not included in line 4: 

4a. Real estate taxes 4a. $_____________________ 

4b. Property, homeowner’s, or renter’s insurance 4b. $_____________________ 

4c. Home maintenance, repair, and upkeep expenses 4c. $_____________________ 

4d. Homeowner’s association or condominium dues 4d. $_____________________ 

Debtor 1 __________________________________________________________________ 

First Name Middle Name Last Name

Debtor 2 ________________________________________________________________ 

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

United States Bankruptcy Court for the:

Case number ___________________________________________ 

 (If known) 

Fill in this information to identify your case: 

Check if this is: 

 An amended filing 

A supplement showing post-petition chapter 13 

expenses as of the following date: 

________________

MM / DD / YYYY 

 A separate filing for Debtor 2 because Debtor 2 

maintains a separate household 

Dawn C Stewart

Eastern District of Virginia, Alexandria Division

1:19-bk-10429

9

9

9

2,182.00

0.00

0.00

100.00

644.00

Case 19-10429-KHK Doc 15 Filed 03/11/19 Entered 03/11/19 13:24:36 Desc Main

 Document Page 10 of 12
© 2019 CINgroup 1.866.218.1003 – CINcompass (www.cincompass.com)

Debtor 1 __________________________________ _____________________ Case number (if known)_____________________________________ 

First Name Middle Name Last Name

 Official Form 6J Schedule J: Your Expenses page 2

Your expenses

5. Additional mortgage payments for your residence, such as home equity loans 5.

$_____________________ 

6. Utilities: 

6a. Electricity, heat, natural gas 6a. $_____________________ 

6b. Water, sewer, garbage collection 6b. $_____________________ 

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $_____________________ 

6d. Other. Specify: _______________________________________________ 6d. $_____________________ 

7. Food and housekeeping supplies 7. $_____________________ 

8. Childcare and children’s education costs 8. $_____________________ 

9. Clothing, laundry, and dry cleaning 9. $_____________________ 

10. Personal care products and services 10. $_____________________ 

11. Medical and dental expenses 11. $_____________________ 

12. Transportation. Include gas, maintenance, bus or train fare.

Do not include car payments. 12.

$_____________________ 

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $_____________________ 

14. Charitable contributions and religious donations 14. $_____________________ 

15. Insurance. 

Do not include insurance deducted from your pay or included in lines 4 or 20.

15a. Life insurance 15a. $_____________________ 

15b. Health insurance 15b. $_____________________ 

15c. Vehicle insurance 15c. $_____________________ 

15d. Other insurance. Specify:_______________________________________ 15d. $_____________________ 

16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20. 

Specify: _______________________________________________________ 16.

$_____________________ 

17. Installment or lease payments: 

17a. Car payments for Vehicle 1 17a. $_____________________ 

17b. Car payments for Vehicle 2 17b. $_____________________ 

17c. Other. Specify:______________________________________________ 17c. $_____________________ 

17d. Other. Specify:______________________________________________ 17d. $_____________________ 

18. Your payments of alimony, maintenance, and support that you did not report as deducted from 

your pay on line 5, Schedule I, Your Income (Official Form 6I). 18. $_____________________ 

19. Other payments you make to support others who do not live with you.

Specify:_______________________________________________________ 19.

$_____________________ 

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income. 

20a. Mortgages on other property 20a. $_____________________ 

20b. Real estate taxes 20b. $_____________________ 

20c. Property, homeowner’s, or renter’s insurance 20c. $_____________________ 

20d. Maintenance, repair, and upkeep expenses 20d. $_____________________ 

20e. Homeowner’s association or condominium dues 20e. $_____________________ 

Dawn C Stewart 1:19-bk-10429

187.00

100.00

0.00

300.00

0.00

550.00

0.00

125.00

75.00

162.00

200.00

100.00

0.00

0.00

0.00

35.00

0.00

Quarterly Tax Payments Amortized

750.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Case 19-10429-KHK Doc 15 Filed 03/11/19 Entered 03/11/19 13:24:36 Desc Main

 Document Page 11 of 12
© 2019 CINgroup 1.866.218.1003 – CINcompass (www.cincompass.com)

Debtor 1 __________________________________ _____________________ Case number (if known)_____________________________________ 

First Name Middle Name Last Name

 Official Form 6J Schedule J: Your Expenses page 3

21. Other. Specify: _________________________________________________ 21. +$_____________________

22. Your monthly expenses. Add lines 4 through 21.

The result is your monthly expenses. 22.

$_____________________ 

23. Calculate your monthly net income. 

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $_____________________ 

23b. Copy your monthly expenses from line 22 above. 23b. – $_____________________

23c. Subtract your monthly expenses from your monthly income. 

The result is your monthly net income. 23c. $_____________________ 

24. Do you expect an increase or decrease in your expenses within the year after you file this form? 

For example, do you expect to finish paying for your car loan within the year or do you expect your 

mortgage payment to increase or decrease because of a modification to the terms of your mortgage?

 No. 

Yes. 

Dawn C Stewart 1:19-bk-10429

1,470.00

0.00

5,510.00

6,430.00

5,510.00

920.00

None

9

Case 19-10429-KHK Doc 15 Filed 03/11/19 Entered 03/11/19 13:24:36 Desc Main

 Document Page 12 of 12