UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s):

Randell Jermel Smith

Latoya Cobb Smith Case No: 19-32617-KLP

This plan, dated May 16, 2019 , is:

 the first Chapter 13 plan filed in this case.

 a modified Plan, which 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.

(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 file a timely 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.

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  Not included

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

security interest, set out in Section 8.A

 Included  Not included

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

2. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of $ 570.00 per month for 60 months.

Other payments to the Trustee are as follows:

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 The total amount to be paid into the Plan is $ 34,200.00 .

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:

 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 $ 5,071.00 , balance due of the total fee of $ 5,296.00 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

County of Chesterfield Taxes and certain other debts 1,800.00 30.00

60 months

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

-NONE4. 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:

Creditor Collateral Purchase Date Est. Debt Bal. Replacement Value

Automotive Service

Finance

2007 Lexus E350 167,000

miles

10/2015 10,700.00 6,175.00

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

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Creditor Collateral Description Estimated Value Estimated Total Claim

Westlake Financial Services 2007 Chevrolet Suburban

202,000 miles

Vehicle totalled in an accident

300.00 14,200.00

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

Westlake Financial Services 2007 Cadillac Escalade

204,000 miles

70.00 Trustee

Automotive Service Finance 2007 Lexus E350 167,000

miles

35.00 Trustee

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 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

Westlake Financial

Services

2007 Cadillac Escalade 204,000

miles

13,500.00 6.5% 320.15

48months

Automotive Service

Finance

2007 Lexus E350 167,000 miles 6,175.00 6.5% 146.44

48months

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 3 %. 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 %.

B. Separately classified unsecured claims.

Creditor Basis for Classification Treatment

-NONE6. Mortgage Loans Secured by Real Property Constituting the Debtor(s)’ Principal Residence; Other Long Term

Payment 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)

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principal residence is a default under the terms of the plan.

Creditor Collateral Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest Rate

Estimated Cure

Period

Monthly

Arrearage

Payment

Ashland Auto Brokers 1997 Ford E350

200,000 miles

0.00 0.00 0% 0months

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

Monthly Payment on

Arrearage & Est. Term

-NONEC. 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 Estimated Claim Monthly Payment & Term

-NONE7. 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

American Family Fitness Fitness Contract - Reject

Progressive Leasing Furniture Rent-to-Own Agreement - Reject

Simply Acima Rent-to-Own Contract (sofa) - Reject

Why Not Lease It Furniture Rent-to-Own Agreement - Reject

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

contracts. The debtor(s) agree 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

Estimated Cure Period

-NONE8. 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

-NONEB. 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 summons accompanying such pleadings as to the requirements for opposing such

relief. The listing here is for information purposes only.

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Creditor Type of Lien Description of Collateral Basis for Avoidance

-NONE9. 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

 None. If "None" is checked, the rest of Part 12 need not be completed or reproduced.

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Dated: May 16, 2019

/s/ Randell Jermel Smith /s/ Christopher J. Flynn

Randell Jermel Smith Christopher J. Flynn 89165

Debtor 1 Debtors' Attorney

/s/ Latoya Cobb Smith

Latoya Cobb Smith

Debtor 2

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.

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

Certificate of Service

I certify that on May 16, 2019 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service

List.

/s/ Christopher J. Flynn

Christopher J. Flynn 89165

Signature

P. O. Box 11588

Richmond, VA 23230

Address

(804) 358-9900

Telephone No.

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004

I hereby certify that on May 16, 2019 true copies of the forgoing Chapter 13 Plan and Related Motions were served upon the

following creditor(s):

Automotive Services Finance, Inc.

Alfred M. Randolph, Jr., Reg. Agent

Kaufman & Canoles

150 W. Main St., Suite 2100

Norfolk, VA 23510-1609

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

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

/s/ Christopher J. Flynn

Christopher J. Flynn 89165

United States Bankruptcy Court

Eastern District of Virginia

In re

Randell Jermel Smith

Latoya Cobb Smith Case No. 19-32617-KLP

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To: Automotive Services Finance, Inc.; Alfred M. Randolph, Jr., Reg. Agent; Kaufman & Canoles

150 W. Main St., Suite 2100; Norfolk, VA 23510-1609

Name of creditor

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2007 Lexus E350 167,000 miles

Description of collateral

1. The attached chapter 13 plan filed by the debtor(s) proposes (check one):

 To value your collateral. See Section 4 of the plan. Your lien will be limited to the value of the collateral, and any

amount you are owed above the value of the collateral will be treated as an unsecured claim.

 To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See

Section 8 of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

2. You should read the attached plan carefully for the details of how your claim is treated. The plan may be confirmed, and

the proposed relief granted, unless you file and serve a written objection by the date specified and appear at the confirmation hearing.

A copy of the objection must be served on the debtor(s), their attorney, and the chapter 13 trustee.

Date objection due: No later than 7 days prior to 07/17/2019

Date and time of confirmation hearing: July 17, 2019 9:10AM

Place of confirmation hearing: 701 E. Broad St., Rm 5100, Richmond, VA

Randell Jermel Smith

Latoya Cobb Smith

Name(s) of debtor(s)

By: /s/ Christopher J. Flynn

Christopher J. Flynn 89165

Signature

 Debtor(s)' Attorney

 Pro se debtor

Christopher J. Flynn 89165

Name of attorney for debtor(s)

P. O. Box 11588

Richmond, VA 23230

Address of attorney [or pro se debtor]

Tel. # (804) 358-9900

Fax # (804) 358-8704

CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the

creditor noted above 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

on this May 16, 2019 .

/s/ Christopher J. Flynn

Christopher J. Flynn 89165

Signature of attorney for debtor(s)

Ver. 10/18

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Fill in this information to identify your case:

Debtor 1 Randell Jermel Smith

Debtor 2 Latoya Cobb Smith

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 19-32617-KLP Check if this is:

(If known)  An amended filing

 A supplement showing postpetition chapter

13 income as of the following date:

Official Form 106I MM / DD/ YYYY

Schedule I: Your Income 12/15

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. Debtor 1 Debtor 2 or non-filing spouse

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.

Employment status

 Employed

 Not employed

 Employed

 Not employed

Occupation Truck Driver Homemaker

Employer's name DW Cary Trucking

Employer's address 11520 Fox Cross Road

Ashland, VA 23005

How long employed there? 12/2014

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. $ 5,319.17 $ 0.00

3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ 0.00

4. Calculate gross Income. Add line 2 + line 3. 4. $ 5,319.17 $ 0.00

Official Form 106I Schedule I: Your Income page 1

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Debtor 1

Debtor 2

Randell Jermel Smith

Latoya Cobb Smith Case number (if known) 19-32617-KLP

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 5,319.17 $ 0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 947.70 $ 0.00

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ 0.00

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ 0.00

5d. Required repayments of retirement fund loans 5d. $ 0.00 $ 0.00

5e. Insurance 5e. $ 359.97 $ 0.00

5f. Domestic support obligations 5f. $ 0.00 $ 0.00

5g. Union dues 5g. $ 0.00 $ 0.00

5h. Other deductions. Specify: 5h.+ $ 0.00 + $ 0.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 1,307.67 $ 0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 4,011.50 $ 0.00

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. $ 0.00 $ 0.00

8b. Interest and dividends 8b. $ 0.00 $ 0.00

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. $ 0.00 $ 0.00

8d. Unemployment compensation 8d. $ 0.00 $ 0.00

8e. Social Security 8e. $ 0.00 $ 731.00

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. $ 0.00 $ 0.00

8g. Pension or retirement income 8g. $ 0.00 $ 0.00

8h. Other monthly income. Specify:

Federal and State Tax Refunds

Amortized 8h.+ $ 200.00 + $ 0.00

Foster Care Income $ 0.00 $ 2,409.00

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 200.00 $ 3,140.00

10. Calculate monthly income. Add line 7 + line 9. 10. $ 4,211.50 + $ 3,140.00 = $ 7,351.50

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

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. +$ 0.00

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

12. $ 7,351.50

Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it

applies

Combined

monthly income

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

 No.

 Yes. Explain:

Official Form 106I Schedule I: Your Income page 2

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Fill in this information to identify your case:

Debtor 1 Randell Jermel Smith Check if this is:

 An amended filing

Debtor 2 Latoya Cobb Smith  A supplement showing postpetition chapter

(Spouse, if filing) 13 expenses as of the following date:

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA MM / DD / YYYY

Case number 19-32617-KLP

(If known)

Official Form 106J

Schedule J: Your Expenses 12/15

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 Official Form 106J-2, Expenses for Separate Household of Debtor 2.

2. Do you have dependents?  No

Do not list Debtor 1 and

Debtor 2.

 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?

Do not state the

dependents names. Foster Son 12

 No

 Yes

Daughter 15

 No

 Yes

Son 16

 No

 Yes

Foster Son 17

 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 106I.) 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. $ 1,700.00

If not included in line 4:

4a. Real estate taxes 4a. $ 0.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 21.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 15.00

4d. Homeowner’s association or condominium dues 4d. $ 0.00

5. Additional mortgage payments for your residence, such as home equity loans 5. $ 0.00

Official Form 106J Schedule J: Your Expenses page 1

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Debtor 1

Debtor 2

Randell Jermel Smith

Latoya Cobb Smith Case number (if known) 19-32617-KLP

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 400.00

6b. Water, sewer, garbage collection 6b. $ 170.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 450.00

6d. Other. Specify: 6d. $ 0.00

7. Food and housekeeping supplies 7. $ 1,600.00

8. Childcare and children’s education costs 8. $ 100.00

9. Clothing, laundry, and dry cleaning 9. $ 150.00

10. Personal care products and services 10. $ 150.00

11. Medical and dental expenses 11. $ 100.00

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

Do not include car payments. 12. $ 525.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 200.00

14. Charitable contributions and religious donations 14. $ 0.00

15. Insurance.

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

15a. Life insurance 15a. $ 0.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 231.00

15d. Other insurance. Specify: 15d. $ 0.00

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

Specify: Personal Property 16. $ 38.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $ 0.00

17b. Car payments for Vehicle 2 17b. $ 0.00

17c. Other. Specify: 17c. $ 0.00

17d. Other. Specify: 17d. $ 0.00

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 106I). 18. $ 0.00

19. Other payments you make to support others who do not live with you. $ 0.00

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. $ 0.00

20b. Real estate taxes 20b. $ 0.00

20c. Property, homeowner’s, or renter’s insurance 20c. $ 0.00

20d. Maintenance, repair, and upkeep expenses 20d. $ 0.00

20e. Homeowner’s association or condominium dues 20e. $ 0.00

21. Other: Specify: Miscellaneous Expenses 21. +$ 200.00

SSI (Mort Ranta) +$ 731.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 6,781.00

22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2 $

22c. Add line 22a and 22b. The result is your monthly expenses. $ 6,781.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 7,351.50

23b. Copy your monthly expenses from line 22c above. 23b. -$ 6,781.00

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

The result is your monthly net income. 23c. $ 570.50

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. Explain here:

Official Form 106J Schedule J: Your Expenses page 2

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Allstate

P.O. Box 3589

Akron, OH 44309-3580

American Family Fitness

4200 Innslake Drive

Suite 104

Glen Allen, VA 23060-6772

Applied Bank

POB 10210

Wilmington, DE 19850

Ashland Auto Brokers

12177 Washington Hwy

Ashland, VA 23005

Automotive Service Finance

2697 International Pkwy

Virginia Beach, VA 23452

Bank of America

1100 North King Street

Wilmington, DE 19884-2211

Capital Asset Recovery

P. O. Box 192585

Dallas, TX 75219

CashNet USA

200 West Jackson

Suite 1400

Chicago, IL 60606-6941

Check City

Re: Bankruptcy

3920 Hull Street Road

Richmond, VA 23224

Chesterfield County Utilities

P.O. Box 608

Chesterfield, VA 23832

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Chesterfield Fire & EMS

Re: Bankruptcy

P.O. Box 70

Chesterfield, VA 23832

CJW Medical Center

PO Box 13620

Richmond, VA 23225

Comcast

Attn: Bankruptcy Dept

PO Box 3012

Southeastern, PA 19398-3012

Commonwealth Anesthesia Assoc.

Attn: Bankruptcy Dept.

PO Box 35808

Richmond, VA 23235

Costal FCU

PO BOX 58429

Raleigh, NC 27658

County of Chesterfield

Treasurer

P.O. Box 40

Chesterfield, VA 23832

County of Chesterfield Schools

Treasurer

P.O. Box 26585

Richmond, VA 23285-0088

Credit One Bank

PO Box 60500

City Of Industry, CA 91716-0500

Dish Network Main Office

9601 S. Meridian Blvd.

Englewood, CO 80112

Dominion Energy Virginia

P.O. Box 26666

Richmond, VA 23261

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Envision Payment Solutions

PO Box 157

Suwanee, GA 30024

Fingerhut

P.O. Box 166

Newark, NJ 07101

First Premier Bank

Attn: Bankruptcy Dept.

PO Box 5524

Sioux Falls, SD 57117-5524

First Virgina

159 E. Belt Blvd

Richmond, VA 23224

GEICO

One GEICO Blvd.

Fredericksburg, VA 22412-0001

Gilliam & Evans, PLC

Re: Ortho Virginia

7821 Ironbridge Road

Richmond, VA 23237

HCA Health Services of VA

Henrico Doctors Hospital

5050 Kingsley Drive #1MOCIN

Cincinnati, OH 45227-1115

James River Emergency Group

Mailstop: 43809623

P.O. Box 660827

Dallas, TX 75266-0827

Labcorp

Re: Bankruptcy Dept.

PO Box 2240

Burlington, NC 27216

LCA Collections

Re: LabCorp

1250 Chapel Hill Road

Burlington, NC 27215

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Loan Smart

503 E. Laburnum Avenue

Richmond, VA 23222

MCV Physicians Billing Office

RE: Bankruptcy

PO Box 91747

Richmond, VA 23291-1747

NEW INVESTMENTS II LLC

c/o Space Properties

3420 Pump Road

Henrico, VA 23233

OrthoVirginia

P.O. Box 35725

Richmond, VA 23235-0725

Parrish and Lebar

Re: MCV Physicians

5 East Franklin Street

Richmond, VA 23219

Patient First

Re: Bankruptcy

PO Box 758941

Baltimore, MD 21275-8941

Patient First

Attn: Patient Accounts

5000 Cox Road, Suite 100

Glen Allen, VA 23060

Pediatric Lung Allergy

1346 Alverser Drive

Midlothian, VA 23113

Premier Bankcard

Re: Bankruptcy

3820 N. Louise Ave.

Sioux Falls, SD 57107

Progressive Leasing

11629 S. 700 E.

Suite 100

Draper, UT 84020

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Richmond Metropolitan Transit

919 E. Main Street #600

Richmond, VA 23219

Seventh Avenue

Attn: Bankruptcy

1112 7th Avenue

Monroe, WI 53566-1364

Simply Acima

9815 South Monroe Street

4th Floor

Sandy, UT 84070

Social Security Administration

RE: Bankruptcy

PO Box 3490

Philadelphia, PA 19122

Sprint

Attn: Bankruptcy Dept

12502 Sprint

Reston, VA 20196

Suntrust Bank

RE: Bankruptcy

P.O. Box 791144

Baltimore, MD 21279-1144

Trugreen Chemlawn

6722 Atmore Dr

Richmond, VA 23225-5602

U-Haul Center Midlothian

6101 Midlothian Turnpike

Richmond, VA 23225

US Truck Driver Training

65000 15 Mile Road

Sterling Heights, MI 48312

US Xpress CD Company Drivers

10075 W. Colfax ave

Denver, CO 80215

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VA Dept of Transportation

Attn: Fiscal Division

1401 East Broad Street

Richmond, VA 23219

VCU Health System

PO Box 980462

Richmond, VA 23298

Verizon

500 Technology Drive

Suite 550

Saint Charles, MO 63304-2225

Verizon Wireless

PO Box 26055

Minneapolis, MN 55426

Verizon Wireless

500 Technology Drive

Suite 550

Saint Charles, MO 63304-2225

Virginia South Psychiatric

& Family Services, PC

510 S. Sycamore St., Ste. F

Petersburg, VA 23803-5044

Wells Fargo Bank

R4058-015

PO Box 50014

Roanoke, VA 24040-0015

Westlake Financial Services

Re: Bankruptcy

P.O. Box 76809

Los Angeles, CA 90076-0809

Why Not Lease It

1750 Elm St.

Suite 102

Manchester, NH 03104

YMCA Corporate Office

1801 Richmond Ave

Port Royal, SC 29935

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