Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 Debtors

IN THE UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 

Debtors

Address: 1304 Poco Dr Richmond, VA 23235 

SSN: xxx-xx- 9499 and 3082

 

OBJECTION TO PROOF OF CLAIM

COMES NOW, Vincent E. Harris and Janet L. Harris, (“Debtors”), by counsel, 

and pursuant to 11 U.S.C. Rule 3007, Objection to Claim(s), Debtors object to claim 

number 4 filed by Toyota Motor Credit Corporation.

1. Debtors filed for protection under Chapter 13 of U.S.C. Bankruptcy Code 

on November 10, 2017.

2. On December 14, 2017, Toyota Motor Credit Corporation, filed secured 

claim number 4.

3. On February 14, 2019, Toyota Motor Credit Corporation, amended the 

claim to $13,078.72, thirteen thousand and seventy-eight dollars and 

seventy-two cents.

Case 17-35621-KRH Doc 56 Filed 02/12/21 Entered 02/12/21 14:28:44 Desc Main

Document Page 1 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 Debtors

4. Debtors object to claim number 4, as they believe that Toyota Motor Credit 

Corporation, had been more diligent in selling the vehicle the deficiency 

balance would have been significantly lower.

5. The Debtors are requesting that claim number 4 be reduced to $2,500.00, 

two thousand and five hundred dollars and zero cents as this is a fairer and 

more appropriate price.

WHEREFORE, Debtors request that the Court sustain the objection.

February 12, 2021 RESPECTFULLY SUBMITTED 

Vincent E. Harris

Janet L. Harris

By: /s/: Joseph Massie, III

Joseph Massie, III 

115 N. 1st Street 

Richmond, VA 23219-2125 

 (804) 644-4878 (T) 

 (804) 644-4874 (F) 

Case 17-35621-KRH Doc 56 Filed 02/12/21 Entered 02/12/21 14:28:44 Desc Main

Document Page 2 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 Debtors

CERTIFICATE OF SERVICE

I hereby certify that on February 12, 2021, I sent, electronically, or mailed a true and 

exact copy of the foregoing Objection to Proof of Claim to all necessary parties. 

February 12, 2021 RESPECTFULLY SUBMITTED 

Vincent E. Harris

Janet L. Harris

By: /s/: Joseph Massie, III

Joseph Massie, III 

115 N. 1st Street 

Richmond, VA 23219-2125 

 (804) 644-4878 (T) 

 (804) 644-4874 (F) 

Case 17-35621-KRH Doc 56 Filed 02/12/21 Entered 02/12/21 14:28:44 Desc Main

Document Page 3 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 Debtors

}bk1{CreditorAdresMatrix}bk{

Certificate of Mailing

Toyota Motor Credit Corporation

c/o Becket & Lee, LLP

PO Box 3001

Malvern, PA 19355-0701

American Express Trs

Po Box 297871

Fort Lauderdale, FL 33329

Amex

Correspondence

Po Box 981540

El Paso, TX 79998

Barclays Bank Delaware

100 S West St

Wilmington, DE 19801

Cap1/dbarn

Capital One Retail Srvs/Attn: Bankruptcy

Po Box 30258

Salt Lake City, UT 84130

Capital One

Attn: Bankruptcy

Po Box 30253

Salt Lake City, UT 84130

Capital One

Attn: General Correspondence/Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Cash Net USA

P.O .Box 643990

Cincinnati, OH 45264

Chase Card

Case 17-35621-KRH Doc 56 Filed 02/12/21 Entered 02/12/21 14:28:44 Desc Main

Document Page 4 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 Debtors

Attn: Correspondence Dept

Po Box 15298

Wilmington, DE 19850

Citibank / Sears

Citicorp Credit Services/Attn: Centraliz

Po Box 790040

Saint Louis, MO 63179

Citibank/The Home Depot

Citicorp Cr Srvs/Centralized Bankruptcy

Po Box 790040

St Louis, MO 63129

Conrad Accpt

476 W Vermont Ave

Escondido, CA 92025

Dell Financial Services

Attn: Bankruptcy

Po Box 81577

Austin, TX 78708

Discover Financial

Po Box 3025

New Albany, OH 43054

Henrico Doctor's Hospital

P.O. Box 13620

Richmond, VA 23225

Mid America Bank & T

121 Continental Dr Ste 1

Newark, DE 19713

Midland Funding

Attn: Bankruptcy

Po Box 939069

Case 17-35621-KRH Doc 56 Filed 02/12/21 Entered 02/12/21 14:28:44 Desc Main

Document Page 5 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 Debtors

San Diego, CA 92193

Ocwen Loan Servicing, Llc

Attn: Research/Bankruptcy

1661 Worthington Rd Ste 100

West Palm Bch, FL 33409

Office of US Trustee

701 E. Broad Street

Suite 4300

Richmond, VA 23219

Old Point National Ban

1 W Mellen St

Hampton, VA 23663

Suzanne E. Wade

7202 Glen Forest Dr, Ste 202

Richmond, VA 23226

Synchrony Bank

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

Synchrony Bank/ JC Penneys

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

Synchrony Bank/Amazon

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

Synchrony Bank/Sams Club

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

Synchrony Bank/Walmart

Case 17-35621-KRH Doc 56 Filed 02/12/21 Entered 02/12/21 14:28:44 Desc Main

Document Page 6 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Vincent E. Harris Case Number 17-35621-KRH

 Janet L. Harris

Chapter 13 Debtors

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

Toyota Motor credit Corp

Po Box 8026

Cedar Rapids, IA 52408

Tricom Management

4025 E La Palma Avenue # 1 101

Anaheim, CA 92807

Wyndham Vacation Ownership

6277 Sea Harbor Dr

Orlando, FL 32821

Case 17-35621-KRH Doc 56 Filed 02/12/21 Entered 02/12/21 14:28:44 Desc Main

Document Page 7 of 7