UNITED STATES BANKRUPTCY COURT 

FOR THE 

EASTERN DISTRICT OF VIRGINIA 

Alexandria Division 

In the Matter of: 

 Chapter 13

DAWN C STEWART

 Case No. 19-10429-KHK

 Debtor

OBJECTION TO CONFIRMATION OF PLAN, 

NOTICE OF OBJECTION TO CONFIRMATION OF PLAN 

AND 

NOTICE OF SCHEDULED HEARING ON THIS OBJECTION 

Thomas P. Gorman, Chapter 13 Trustee, has filed this objection to confirmation of 

your Chapter 13 Plan filed March 11, 2019. The cause for this objection is as follows: 

Violation of 11 U.S.C. §1325(b)(1)(B) - Disposable Income. 

 Below median Debtor deducts $2,182.00 per month for mortgage; Proof 

of Claim says it is $2,120.22 per month. 

Violation of 11 U.S.C. §1325(a)(4) - Liquidation Test. 

 Debtor values her Arlington condominium at $433,800.00 on Schedule 

A and the mortgages at $343,453.00 on Schedule D. Trustee questions 

Debtor's methodology in arriving at the value. Zillow values at 

$530,906.00. Using Zillow value creditors would receive more than the 

0.2% (two-tenths of a percent) proposed under this Plan. 

Violation of 11 U.S.C. §1325(a)(6) - Feasibility. 

 Debtor's Schedule I Line 8(c) lists $6,430.00 per month of income 

which apparently includes $1,200.00 of rent that Debtor cannot 

document and which the HOA asserts is violative of thier covenants. 

Your rights may be affected. You should read these papers carefully and 

discuss them 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 do not wish the court to grant the relief sought in the objection, or if you 

want the court to consider your views on the objection, then on or before five business 

days prior to the hearing date, you or your attorney must: 

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Notice of Objection To Confirmation 

Dawn C Stewart, Case # 19-10429-KHK 

File with the court a written response with supporting memorandum as required 

by Local Bankruptcy Rule 9013-1(H). Unless a written response and 

supporting memorandum are filed and served by the date specified, the Court 

may deem any opposition waived, treat the motion as conceded, and issue an 

order granting the requested relief without further notice or hearing. If you mail 

your response to the court for filing, you must mail it early enough so the court 

will receive it on or before the date stated above. You must mail a copy to the 

persons listed below. 

Attend the hearing to be held on April 25, 2019 at 9:30 a.m., in Courtroom III 

on the 3rd floor, United States Bankruptcy Court, 200 South Washington 

Street, Alexandria, VA 22314. If no timely response has been filed opposing 

the relief requested, the court may grant the relief without holding a hearing. 

 A copy of any written response must be mailed to the following persons: 

 Thomas P. Gorman 

 300 North Washington Street, Ste, 400 

 Alexandria, VA 22314 

 Clerk of the Court 

 United States Bankruptcy Court 

200 South Washington Street 

Alexandria, VA 22314 

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

oppose the relief sought in the motion or objection and may enter an order granting that 

relief. 

Date: _April 5, 2019______ __/s/Thomas P. Gorman ________ 

 Thomas P. Gorman 

 Chapter 13 Trustee 

 300 N. Washington Street, #400 

 Alexandria, VA 22314 

 (703) 836-2226 

 VSB 26421 

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Notice of Objection To Confirmation 

Dawn C Stewart, Case # 19-10429-KHK 

CERTIFICATE OF SERVICE 

I hereby certify that I have this 5th day of April, 2019, served via ECF to authorized 

users or mailed a true copy of the foregoing Objection to Confirmation, Notice of 

Objection and Notice of Hearing to the following parties. 

Dawn C Stewart 

Chapter 13 Debtor 

1600 N Oak St, Apt. 1216 

Arlington, VA 22209-2756 

Neil S. Welles, Esq. 

Attorney for Debtor 

The Lilly Law Group, PC 

10195 Main Street, Suite I 

Fairfax, VA 22031 

 __/s/ Thomas P. Gorman______ 

 Thomas P. Gorman

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