Fill in this information to identify your case:

Debtor 1 Karla Noreen Wilks

First Name Middle Name Last Name

Debtor 2

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

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 18-35718

(if known)  Check if this is an

amended filing

Official Form 106Dec

Declaration About an Individual Debtor's Schedules 12/15

If two married people are filing together, both are equally responsible for supplying correct information.

You must file this form whenever you file bankruptcy schedules or amended schedules. Making a false statement, concealing property, or

obtaining money or property by fraud in connection 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. §§ 152, 1341, 1519, and 3571.

Sign Below

Did you pay or agree to pay someone who is NOT an attorney to help you fill out bankruptcy forms?

 No

 Yes. Name of person Attach Bankruptcy Petition Preparer’s Notice,

Declaration, and Signature (Official Form 119)

Under penalty of perjury, I declare that I have read the summary and schedules filed with this declaration and

that they are true and correct.

X /s/ Karla Noreen Wilks X

Karla Noreen Wilks Signature of Debtor 2

Signature of Debtor 1

Date December 14, 2018 Date

Official Form 106Dec Declaration About an Individual Debtor's Schedules

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Fill in this information to identify your case:

Debtor 1 Karla Noreen Wilks

First Name Middle Name Last Name

Debtor 2

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

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 18-35718

(if known)  Check if this is an

amended filing

Official Form 108

Statement of Intention for Individuals Filing Under Chapter 7 12/15

If you are an individual filing under chapter 7, you must fill out this form if:

 creditors have claims secured by your property, or

 you have leased personal property and the lease has not expired.

You must file this form with the court within 30 days after you file your bankruptcy petition or by the date set for the meeting of creditors,

whichever is earlier, unless the court extends the time for cause. You must also send copies to the creditors and lessors you list

on the form

If two married people are filing together in a joint case, both are equally responsible for supplying correct information. Both debtors must

sign and date the form.

Be as complete and accurate as possible. 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).

Part 1: List Your Creditors Who Have Secured Claims

1. For any creditors that you listed in Part 1 of Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D), fill in the

information below.

Identify the creditor and the property that is collateral What do you intend to do with the property that

secures a debt?

Did you claim the property

as exempt on Schedule C?

Creditor's Consumer Portfolio Services  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of 2008 Mercedes- Benz R-Class Reaffirmation Agreement.

166335 miles

R-350

property  Retain the property and [explain]:

securing debt:

Creditor's Mattress Firm: Progressive  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of Bed Reaffirmation Agreement.

property  Retain the property and [explain]:

securing debt:

Part 2: List Your Unexpired Personal Property Leases

For any unexpired personal property lease that you listed in Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G), fill

in the information below. Do not list real estate leases. Unexpired leases are leases that are still in effect; the lease period has not yet ended.

You may assume an unexpired personal property lease if the trustee does not assume it. 11 U.S.C. § 365(p)(2).

Describe your unexpired personal property leases Will the lease be assumed?

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 1

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Debtor 1 Karla Noreen Wilks Case number (if known) 18-35718

Lessor's name: Janet Bell  No

 Yes

Description of leased

Property:

Residential Lease

Part 3: Sign Below

Under penalty of perjury, I declare that I have indicated my intention about any property of my estate that secures a debt and any personal

property that is subject to an unexpired lease.

X /s/ Karla Noreen Wilks X

Karla Noreen Wilks Signature of Debtor 2

Signature of Debtor 1

Date December 14, 2018 Date

Official Form 108 Statement of Intention for Individuals Filing Under Chapter 7 page 2

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}bk1{Credito AresMatix}bk{

Allianceone

1684 Woodlands Dr Ste 15

Maumee, OH 43537

Allied Cash Advance

200 SE 1st Street

Suite 800

Miami, FL 33131

Bcci

7001 Post Rd Suite 200

Dublin, OH 43016

Bon Secour

8550 Mayland Drive

Richmond, VA 23294

Bon Secours

P.O. Box 28538

Richmond, VA 23228

Bruce Matson, Esq., Trustee

Riverfront Plaza, East Tower

951 East Byrd Street, 8th Fl.

Richmond, VA 23219

Capital One

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Capital One

15000 Capital One Dr

Richmond, VA 23238

Check City

2729B West Broad Street

Richmond, VA 23230

Check Smart

c/o BCCI Recovery

7001 Post Road, Ste 200

Dublin, OH 43016

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City of Richmond

P. O. Box 101696

Atlanta, GA 30392-1696

City of Richmond

Department of Public Utilities

730 E Broad Street, 5th Floor

Richmond, VA 23219

City of Richmond, VA

P. O. Box 101696

Atlanta, GA 30392-1696

Collection

Po Box 9134

Needham, MA 02494

Comcast

5401 Staples Mill Road

Richmond, VA 23228-5421

Comenity Bank/Ashley Stewart

Attn: Bankruptcy Dept

Po Box 182125

Columbus, OH 43218

Comenity Bank/Ashley Stewart

Po Box 182789

Columbus, OH 43218

Comenity-Ashley Stewart

PO Box 659705

San Antonio, TX 78265-9705

Commonwealth Radiology

1510 Willow Lawn Drive

Suite 102

Richmond, VA 23230-3429

Connecticut General Life Insur

Scranton Claim Office

P.O. Box 182223

Chattanooga, TN 37422-7223

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Consumer Portfolio Services

PO Box 57071

Irvine, CA 92619-7071

Consumer Portfolio Svc

Attn: Bankruptcy

Po Box 57071

Irvine, CA 92619

Consumer Portfolio Svc

Po Box 57071

Irvine, CA 92619

County of Henrico

Department of Public Utilities

P. O. Box 90775

Richmond, VA 23273-0775

County of Henrico VA

Dept of Public Utilities

PO Box 90799

Henrico, VA 23228-0799

Credit Adjustment Bo

306 East Grace Street

Richmond, VA 23219

Department of Public Utilities

P. O. Box 26060

Richmond, VA 23274-0001

District of Columbia

Notice of Infraction

DC Photo Enforcement Office

Richmond, VA 23223

Diversified Collection Service

P. O. Box 9057

Pleasanton, CA 94566-9057

Dominion Medical Associates

P.O. Box 5449

Richmond, VA 23220

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Dominion Power

P. O. Box 26666

Richmond, VA 23261

East Bay Funding

c/o Resurgent Capital Services

PO Box 288

Greenville, SC 29603

EMCC

P.O. 956188

Duluth, GA 30095

EOS CCA

PO Box 981002

Boston, MA 02298-1002

Eos Cca

Attn: Bankruptcy

Po Box 329

Norwell, MA 02061

Eos Cca

Po Box 981008

Boston, MA 02298

Glenwood Farms

3753 Bolling Road

Richmond, VA 23223

Greensboro Service Center

P. O. Box 740800

Atlanta, GA 30374-0800

I C System Inc

Po Box 64378

Saint Paul, MN 55164

James H. Cane, MD

James River Surgical Center

8266 Atlee Road, MOB 11, #215

Mechanicsville, VA 23116

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Janet Bell

14230 Camack Trail

Midlothian, VA 23114

Law Office Of M.N.Kay

7 Penn Plz

New York, NY 10001

Law Offices G. Manoli Loupassi

6002A West Broad Street

Suite 200

Richmond, VA 23230

Law Offices of Mitchell N. Kay

P. O. Box 9006

Smithtown, NY 11787-9006

Leland Scott & Associa

Po Box 2205

Mansfield, TX 76063

Leland Scott & Associates

P. O. Box 2205

Mansfield, TX 76063-0040

Lvnv Funding Llc

Po Box 740281

Houston, TX 77274

LVNV Funding LLC

Marauder Corporation

74923 Highway 111

Indian Wells, CA 92210

Mattress Firm: Progressive

Richmond #171014

4746 Laburnum Avenue

Henrico, VA 23231

MCV Associated Physician

P. O. Box 91747

Richmond, VA 23291

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MCV Physicians

1605 Rhoadmiller Street

Richmond, VA 23220-1100

National Credit Adjust

327 W 4th Ave

Hutchinson, KS 67501

National Credit Adjusters

P. O. Box 3023

327 W. 4th Street

Hutchinson, KS 67504-3023

Nationwide Insurance

One Nationwide Plaza

Columbus, OH 43215-2220

Ntelos

8400 W. Broad Street

Richmond, VA 23294

Office of the U.S. Trustee

701 East Broad Street

Suite 4300

Richmond, VA 23219

Ortho Virginia

PO Box 75831

Baltimore, MD 21275

Parrish & Lebar

5 E. Franklin Street

Richmond, VA 23219

Professional Account Managemt

P.O. Box 37038

Washington, DC 20013

Progressive Day Care

1518 Texas Avenue

Richmond, VA 23220

Quick Cash

7810 Staples Mills Road

Richmond, VA 23228

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Receivable Management

7206 Hull Street Rd Ste

Richmond, VA 23235

Receivables Management Systems

P. O. Box 8630

Richmond, VA 23226-0630

Richmond Community Hospital

P.O. Box 277431

Atlanta, GA 30384

Richmond Postal CU

P. O. Box 4519

Carol Stream, IL 60197-4519

Rmd Postal

Box 26024 Po

Richmond, VA 23260-6024

Rpecu

1601 Ownby Lane

Richmond, VA 23220

Sam's Club

P. O. Box 530942

Atlanta, GA 30353-0942

Schettine & Nguyen, PLC

10 South 23rd Street

Second Floor

Richmond, VA 23223

Social Security Administration

2001 12th Avenue N.

Birmingham, AL 35285-0001

St Mary's Hospital

5801 Bremo Road

University Of Richmon, VA 23173

T Mobile

P. O. Box 660252

Dallas, TX 75266-0252

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Tate & Kirklin Associated

2810 Southampton Road

Philadelphia, PA 19154

TransWorld

Collection Agency

500 VA Dr., Ste 514

Fort Washington, PA 19034

Tuckahoe Orthopaedic Assoc.

1501 Maple Avenue

Richmond, VA 23226

United Consumer, Inc.

P. O. Box 4466

Woodbridge, VA 22194-4466

United Healthcare Insurance Co

Greensboro Service Center

P O Box 740800

Atlanta, GA 30374

Verizon

P. O. Box 660720

Dallas, TX 75266-0720

Verizon Virginia Inc

500 Technology Dr

Weldon Spring, MO 63304

Virginia Dept of Taxation

P.O. Box 2369

Richmond, VA 23218

VISA

Richmond Postal Credit Union

PO Box 4519

Carol Stream, IL 60197

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United States Bankruptcy Court

Eastern District of Virginia

In re Karla Noreen Wilks Case No. 18-35718

Debtor(s) Chapter 7

AMENDMENT COVER SHEET

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

Involuntary/Voluntary Petition [Specify reason for amendment: ]

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

mailed/hand-delivered to the Clerk's office on .*]

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

Declaration (Individuals - Form 106Dec) (Non-Individuals - 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 1009-1)

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

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

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

debt.) Check applicable statement(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 – Codebtors

Schedule I – Your Income

Schedule J – Your Expenses

[NOTE: The form “NOTICE TO CREDITOR(S) (RE AMENDMENT)” 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 “restricted”

entry of the amended Social Security Number into the case record.]

Statement of Financial Affairs

Statement of Intention for Individuals Filing Under Chapter 7

Chapter 11 List of Equity Security Holders

Chapter 11: The List of Creditors Who Have the 20 Largest Unsecured Claims Against You Who Are Not Insiders

Attorney’s Disclosure of Compensation

Other:

NOTICE OF AMENDMENT(S) TO AFFECTED PARTIES

Pursuant to Federal Rule of Bankruptcy Procedure 1009(a) and Local Rule 1009-1, I certify that notice of the filing of the

amendment(s) checked above has been given this date to the United States Trustee, the trustee in this case, and to any and all entities

affected by the amendment as follows: .

Date: December 14, 2018

/s/ Raymond L. Palmer, Sr.

Raymond L. Palmer, Sr. 20687

Attorney for Debtor(s) [or Pro Se Debtor(s)]

State Bar No.: 20687 VA

Mailing Address: Law Offices of Raymond L. Palmer & Associates

100 N. 5th Street

Richmond, VA 23219

Telephone No.: 804-644-0200

[amendcs ver. 12/16]

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