1.1 1641 Ladue Ct Apt 208

Street address, if available, or other

description

Woodbridge, VA 22191-5547

City State ZIP Code

Prince William

County

1.2 15106 Kentshire Dr.

Street address, if available, or other

description

Woodbridge, VA 22191

City State ZIP Code

Prince William

County

Fill in this information to identify your case and this filing:

Debtor 1 Edwina D. Crable

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 19-13252

Check if this is an

amended filing

Official Form 106A/B

In each category, separately list and describe items. List an asset only once. If an asset fits in more than one category, list the asset in the category where you think it

fits best. 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 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 Each Residence, Building, Land, or Other Real Estate You Own or Have an Interest In

1. Do you own or have any legal or equitable interest in any residence, building, land, or similar property?

No. Go to Part 2.

Yes. Where is the property?

What is the property? Check all that apply.

Single-family home

Duplex or multi-unit building

Condominium or cooperative

Manufactured or mobile home

Land

Investment property

Timeshare

Other 

Who has an interest in the property? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

Current value of the

entire property?

$285,000.00

Current value of the

portion you own?

$285,000.00

Describe the nature of your ownership interest (such

as fee simple, tenancy by the entireties, or a life

estate), if known.

Homestead

Check if this is community property

(see instructions)

If you own or have more than one, list here:

What is the property? Check all that apply.

Single-family home

Duplex or multi-unit building

Condominium or cooperative

Manufactured or mobile home

Land

Investment property

Timeshare

Other 

Who has an interest in the property? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

Current value of the

entire property?

$319,000.00

Current value of the

portion you own?

$319,000.00

Describe the nature of your ownership interest (such

as fee simple, tenancy by the entireties, or a life

estate), if known.

Fee Simple

Check if this is community property

(see instructions)

Source of Value:

Zillow

2. Add the dollar value of the portion you own for all of your entries from Part 1, including any entries for pages

you have attached for Part 1. Write that number here......................................................................................................... ➜ $604,000.00

Official Form 106A/B Schedule A/B: Property page 1

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Schedule A/B: Property 12/15

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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3.1 Make:

Model:

Year:

Approximate mileage:

Jeep

Wrangler

2018

22000

Other information:

3.2 Make:

Model:

Year:

Approximate mileage:

Other information:

Teenage son has a car

Do you own or have any legal or equitable interest in any of the following items? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Describe Your Vehicles

Do you own, lease, or have legal or equitable interest in any vehicles, whether they are registered or not? Include any vehicles

you own that someone else drives. If you lease a vehicle, also report it on Schedule G: Executory Contracts and Unexpired Leases.

3. Cars, vans, trucks, tractors, sport utility vehicles, motorcycles

No

Yes

Who has an interest in the property? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this is community property (see

instructions)

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

Current value of the

entire property?

$46,252.00

Current value of the

portion you own?

$46,252.00

If you own or have more than one, list here:

Who has an interest in the property? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this is community property (see

instructions)

Do not deduct secured claims or exemptions. Put the

amount of any secured claims on Schedule D:

Creditors Who Have Claims Secured by Property.

Current value of the

entire property?

unknown

Current value of the

portion you own?

unknown

4. Watercraft, aircraft, motor homes, ATVs and other recreational vehicles, other vehicles, and accessories

Examples: Boats, trailers, motors, personal watercraft, fishing vessels, snowmobiles, motorcycle accessories

No

Yes

5. Add the dollar value of the portion you own for all of your entries from Part 2, including any entries for pages

you have attached for Part 2. Write that number here......................................................................................................... ➜ $46,252.00

Part 3: Describe Your Personal and Household Items

Official Form 106A/B Schedule A/B: Property page 2

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

6.

No

Yes. Describe........

See Attached.

Household goods and furnishings

Examples: Major appliances, furniture, linens, china, kitchenware

$2,100.00

7.

No

Yes. Describe........

Electronics

Electronics

Examples: Televisions and radios; audio, video, stereo, and digital equipment; computers, printers, scanners; music collections;

electronic devices including cell phones, cameras, media players, games

$4,450.00

8.

No

Yes. Describe........

Collectibles of value

Examples: Antiques and figurines; paintings, prints, or other artwork; books, pictures, or other art objects;

stamp, coin, or baseball card collections; other collections, memorabilia, collectibles

9.

No

Yes. Describe........

Equipment for sports and hobbies

Examples: Sports, photographic, exercise, and other hobby equipment; bicycles, pool tables, golf clubs, skis; canoes and kayaks;

carpentry tools; musical instruments

10.

No

Yes. Describe........

Firearms

Examples: Pistols, rifles, shotguns, ammunition, and related equipment

11.

No

Yes. Describe........

Clothes

Clothes

Examples: Everyday clothes, furs, leather coats, designer wear, shoes, accessories

$500.00

12.

No

Yes. Describe........

Jewelry

Examples: Everyday jewelry, costume jewelry, engagement rings, wedding rings, heirloom jewelry, watches, gems, gold, silver

13.

No

Yes. Describe........

Non-farm animals

Examples: Dogs, cats, birds, horses

Official Form 106A/B Schedule A/B: Property page 3

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

14.

No

Yes. Describe........

Any other personal and household items you did not already list, including any health aids you did not list

15. Add the dollar value of all of your entries from Part 3, including any entries for pages you have attached

for Part 3. Write that number here........................................................................................................................................➜ $7,050.00

Part 4: Describe Your Financial Assets

Do you own or have any legal or equitable interest in any of the following? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

16. Cash

Examples: Money you have in your wallet, in your home, in a safe deposit box, and on hand when you file your petition

No

Yes........................................................................................................................................................ Cash.............. $150.00

17.

No

Yes..................

Deposits of money

Examples: Checking, savings, or other financial accounts; certificates of deposit; shares in credit unions, brokerage houses, and other

similar institutions. If you have multiple accounts with the same institution, list each.

Institution name:

17.1. Checking account: Andrews Federal Credit Union *1076 $2,299.00

17.2. Checking account: Capital One Bank *5962 $1,968.00

17.3. Savings account: Apple FCU *5860 $385.00

17.4. Savings account: Andrews Federal Credit Union *1076 $64.00

17.5. Certificates of deposit:

17.6. Other financial account: Capital One Custodial Account for minor child $0.12

17.7. Other financial account:

17.8. Other financial account:

17.9. Other financial account:

Official Form 106A/B Schedule A/B: Property page 4

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

18.

No

Yes..................

Bonds, mutual funds, or publicly traded stocks

Examples: Bond funds, investment accounts with brokerage firms, money market accounts

Institution or issuer name:

19.

No

Yes. Give specific

information about

them...................

Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in

an LLC, partnership, and joint venture

Name of entity: % of ownership:

20.

No

Yes. Give specific

information about

them...................

Government and corporate bonds and other negotiable and non-negotiable instruments

Negotiable instruments include personal checks, cashiers’ checks, promissory notes, and money orders.

Non-negotiable instruments are those you cannot transfer to someone by signing or delivering them.

Issuer name:

21.

No

Yes. List each account

separately.

Retirement or pension accounts

Examples: Interests in IRA, ERISA, Keogh, 401(k), 403(b), thrift savings accounts, or other pension or profit-sharing plans

Type of account: Institution name:

401(k) or similar plan: TSP $128,601.00

22.

No

Yes.....................

Security deposits and prepayments

Your share of all unused deposits you have made so that you may continue service or use from a company

Examples: Agreements with landlords, prepaid rent, public utilities (electric, gas, water), telecommunications companies, or

others

Institution name or individual:

Electric:

Gas:

Official Form 106A/B Schedule A/B: Property page 5

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Heating oil:

Security deposit on rental unit: 

Prepaid rent:

Telephone:

Water:

Rented furniture:

Other:

23.

No

Yes.....................

Annuities (A contract for a periodic payment of money to you, either for life or for a number of years)

Issuer name and description:

24.

No

Yes.....................

Interests in an education IRA, in an account in a qualified ABLE program, or under a qualified state tuition program.

26 U.S.C. §§ 530(b)(1), 529A(b), and 529(b)(1).

Institution name and description. Separately file the records of any interests. 11 U.S.C. § 521(c):

25.

No

Yes. Give specific

information about them....

Trusts, equitable or future interests in property (other than anything listed in line 1), and rights or powers exercisable for your

benefit

26.

No

Yes. Give specific

information about them....

Patents, copyrights, trademarks, trade secrets, and other intellectual property

Examples: Internet domain names, websites, proceeds from royalties and licensing agreements

27.

No

Yes. Give specific

information about them....

Licenses, franchises, and other general intangibles

Examples: Building permits, exclusive licenses, cooperative association holdings, liquor licenses,

professional licenses

Official Form 106A/B Schedule A/B: Property page 6

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Money or property owed to you? Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

28.

No

Yes. Give specific information about

them, including whether you

already filed the returns and the

tax years.......................

Federal:

State:

Local:

Tax refunds owed to you

29. Family support

Examples: Past due or lump sum alimony, spousal support, child support, maintenance, divorce settlement, property settlement

No

Yes. Give specific information..........

Alimony:

Maintenance:

Support:

Divorce settlement:

Property settlement:

30.

No

Yes. Give specific information..........

Other amounts someone owes you

Examples: Unpaid wages, disability insurance payments, disability benefits, sick pay, vacation pay, workers’ compensation, Social

Security benefits; unpaid loans you made to someone else

31.

No

Yes. Name the insurance company

of each policy and list its value.... Company name: Beneficiary: Surrender or refund value:

Term life through work $1.00

USAA Whole Life $7,311.00

Interests in insurance policies

Examples: Health, disability, or life insurance; health savings account (HSA); credit, homeowner’s, or renter’s insurance

32.

No

Yes. Give specific information..........

Any interest in property that is due you from someone who has died

If you are the beneficiary of a living trust, expect proceeds from a life insurance policy, or are currently entitled to receive property

because someone has died.

Inchoate Inheritance

$1.00

Official Form 106A/B Schedule A/B: Property page 7

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

33.

No

Yes. Describe each claim................

Claims against third parties, whether or not you have filed a lawsuit or made a demand for payment

Examples: Accidents, employment disputes, insurance claims, or rights to sue

34.

No

Yes. Describe each claim................

Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights

to set off claims

35.

No

Yes. Give specific information..........

Any financial assets you did not already list

36.

$141,653.12

Add the dollar value of all of your entries from Part 4, including any entries for pages you have attached

for Part 4. Write that number here..................................................................................................................................➜

Part 5: Describe Any Business-Related Property You Own or Have an Interest In. List any real estate in Part 1.

37. Do you own or have any legal or equitable interest in any business-related property?

 No. Go to Part 6.

 Yes. Go to line 38.

Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

38.

No

Yes. Describe........

Accounts receivable or commissions you already earned

39. Office equipment, furnishings, and supplies

Examples: Business-related computers, software, modems, printers, copiers, fax machines, rugs, telephones, desks, chairs, electronic devices

No

Yes. Describe........

40.

No

Yes. Describe........

Machinery, fixtures, equipment, supplies you use in business, and tools of your trade

Official Form 106A/B Schedule A/B: Property page 8

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

41.

No

Yes. Describe........

Inventory

42.

No

Yes. Describe........

Interests in partnerships or joint ventures

Name of entity: % of ownership:

%

43.

No

Yes. Describe........

Customer lists, mailing lists, or other compilations

No

Yes. Do your lists include personally identifiable information (as defined in 11 U.S.C. § 101(41A))?

44.

No

Yes. Give specific

information.........

Any business-related property you did not already list

45.

$0.00

Add the dollar value of all of your entries from Part 5, including any entries for pages you have attached

for Part 5. Write that number here.................................................................................................................................➜

Part 6: Describe Any Farm- and Commercial Fishing-Related Property You Own or Have an Interest In.

If you own or have an interest in farmland, list it in Part 1.

46. Do you own or have any legal or equitable interest in any farm- or commercial fishing-related property?

 No. Go to Part 7.

 Yes. Go to line 47.

Current value of the

portion you own?

Do not deduct secured

claims or exemptions.

47.

No

Yes.........................

Farm animals

Examples: Livestock, poultry, farm-raised fish

48.

No

Yes. Give specific

information.............

Crops—either growing or harvested

Official Form 106A/B Schedule A/B: Property page 9

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

49.

No

Yes..........................

Farm and fishing equipment, implements, machinery, fixtures, and tools of trade

50.

No

Yes..........................

Farm and fishing supplies, chemicals, and feed

51.

No

Yes. Give specific

information.............

Any farm- and commercial fishing-related property you did not already list

52.

$0.00

Add the dollar value of all of your entries from Part 6, including any entries for pages you have attached

for Part 6. Write that number here...................................................................................................................................➜

Part 7: Describe All Property You Own or Have an Interest in That You Did Not List Above

53.

No

Yes. Give specific

information.............

Do you have other property of any kind you did not already list?

Examples: Season tickets, country club membership

54. Add the dollar value of all of your entries from Part 7. Write that number here.....................................................➜ $0.00

Part 8: List the Totals of Each Part of this Form

55. Part 1: Total real estate, line 2..........................................................................................................................................➜ $604,000.00

56. Part 2: Total vehicles, line 5 $46,252.00

57. Part 3: Total personal and household items, line 15 $7,050.00

58. Part 4: Total financial assets, line 36 $141,653.12

59. Part 5: Total business-related property, line 45 $0.00

60. Part 6: Total farm- and fishing-related property, line 52 $0.00

61. Part 7: Total other property not listed, line 54 + $0.00

Official Form 106A/B Schedule A/B: Property page 10

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

62. Total personal property. Add lines 56 through 61.............. $194,955.12 Copy personal property total➜ + $194,955.12

63. Total of all property on Schedule A/B. Add line 55 + line 62................................................................................................. $798,955.12

Official Form 106A/B Schedule A/B: Property page 11

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

SCHEDULE A/B: PROPERTY

Continuation Page

6. Household goods and furnishings

Bedroom Furniture $600.00

Kitchen Furniture & Appliances $500.00

Living Room Furniture $500.00

Items in Garage $500.00

17. Deposits of money

Checking account: Apple FCU *5860 $0.00

Checking account: PenFed Credit Union *8907 $1.00

Checking account: USAA Checking $867.00

Savings account: Pen Fed Savings 8907 $5.00

Official Form 106A/B Schedule A/B: Property

Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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$3,620.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-26(8)

$550.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-26(4a)

Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 106C

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. Using the

property you listed on Schedule A/B: Property (Official Form 106A/B) as your source, list the property that you claim as exempt. If more space is needed, fill out and

attach to this page as many copies of Part 2: Additional Page as necessary. On the top of any additional pages, write your name and case number (if known).

For each item of property you claim as exempt, you must specify the amount of the exemption you claim. One way of doing so is to state a specific dollar amount as

exempt. Alternatively, you may claim the full fair market value of the property being exempted up to the amount of any applicable statutory limit. Some

exemptions—such as those for health aids, rights to receive certain benefits, and tax-exempt retirement funds—may be unlimited in dollar amount. However, if you

claim an exemption of 100% of fair market value under a law that limits the exemption to a particular dollar amount and the value of the property is determined to

exceed that amount, your exemption would be limited to the applicable statutory amount.

Part 1: Identify the Property You Claim as Exempt

1.

Which set of exemptions are you claiming? Check one only, even if your spouse is filing with you.

You are claiming state and federal nonbankruptcy exemptions. 11 U.S.C. § 522(b)(3)

You are claiming federal exemptions. 11 U.S.C. § 522(b)(2)

2. For any property you list on Schedule A/B that you claim as exempt, fill in the information below.

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Brief description:

2018 Jeep Wrangler

Line from

Schedule A/B: 3.1

$46,252.00

Brief description:

Bedroom Furniture

Line from

Schedule A/B: 6

$600.00

3. Are you claiming a homestead exemption of more than $170,350?

(Subject to adjustment on 4/01/22 and every 3 years after that for cases filed on or after the date of adjustment.)

No

Yes. Did you acquire the property covered by the exemption within 1,215 days before you filed this case?

No

Yes

Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 4

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Schedule C: The Property You Claim as Exempt 04/19

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$0.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-26(4a)

$0.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-26(4a)

$0.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-26(4a)

$4,450.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-26(4a)

$500.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-26(4)

$150.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$574.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$1,725.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-29

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Additional Page

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Brief description:

Kitchen Furniture & Appliances

Line from

Schedule A/B: 6

$500.00

Brief description:

Living Room Furniture

Line from

Schedule A/B: 6

$500.00

Brief description:

Items in Garage

Line from

Schedule A/B: 6

$500.00

Brief description:

Electronics

Line from

Schedule A/B: 7

$4,450.00

Brief description:

Clothes

Line from

Schedule A/B: 11

$500.00

Brief description:

Cash

Line from

Schedule A/B: 16

$150.00

Brief description:

Andrews Federal Credit Union *1076

Checking account

Line from

Schedule A/B: 17

$2,299.00

Official Form 106C Schedule C: The Property You Claim as Exempt page 2 of 4

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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$492.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$1,476.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-29

$0.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$1.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$385.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$64.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$0.12

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$0.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Additional Page

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Brief description:

Capital One Bank *5962

Checking account

Line from

Schedule A/B: 17

$1,968.00

Brief description:

Apple FCU *5860

Checking account

Line from

Schedule A/B: 17

$0.00

Brief description:

PenFed Credit Union *8907

Checking account

Line from

Schedule A/B: 17

$1.00

Brief description:

Apple FCU *5860

Savings account

Line from

Schedule A/B: 17

$385.00

Brief description:

Andrews Federal Credit Union *1076

Savings account

Line from

Schedule A/B: 17

$64.00

Brief description:

Capital One Custodial Account for minor child

Other financial account

Line from

Schedule A/B: 17

$0.12

Brief description:

Pen Fed Savings 8907

Savings account

Line from

Schedule A/B: 17

$5.00

Official Form 106C Schedule C: The Property You Claim as Exempt page 3 of 4

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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$0.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$128,601.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-34

$1.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. §§ 38.2-3339

$3,332.88

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

$1.00

100% of fair market value, up to

any applicable statutory limit

Va. Code Ann. § 34-4

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Additional Page

Brief description of the property and line on

Schedule A/B that lists this property

Current value of the

portion you own

Copy the value from

Schedule A/B

Amount of the exemption you claim

Check only one box for each exemption.

Specific laws that allow exemption

Brief description:

USAA Checking

Checking account

Line from

Schedule A/B: 17

$867.00

Brief description:

TSP

Line from

Schedule A/B: 21

$128,601.00

Brief description:

Term life through work

Line from

Schedule A/B: 31

$1.00

Brief description:

USAA Whole Life

Line from

Schedule A/B: 31

$7,311.00

Brief description:

Inchoate Inheritance

Line from

Schedule A/B: 32

$1.00

Official Form 106C Schedule C: The Property You Claim as Exempt page 4 of 4

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 16 of 64
Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 106D

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, copy the Additional Page, fill it out, number the entries, and attach it to this form. On the top of any additional pages, write your name and case number (if

known).

1. Do any creditors have claims secured by your property?

No. Check this box and submit this form to the court with your other schedules. You have nothing else to report on this form.

Yes. Fill in all of the information below.

Part 1: List All Secured Claims

2. List all secured claims. If a creditor has more than one secured claim, list the creditor separately for

each claim. If more than one creditor has a particular claim, list the other creditors in Part 2. As much

as possible, list the claims in alphabetical order according to the creditor’s name.

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports

this claim

Column C

Unsecured

portion

If any

2.1 Andrews Federal Credit Union

Creditor's Name

5711 Allentown Rd Ste 400

Number Street

Suitland, MD 20746

City State ZIP Code

Who owes the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim relates to a

community debt

Date debt was incurred

Describe the property that secures the claim:

2018 Jeep Wrangler

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Nature of lien. Check all that apply.

An agreement you made (such as mortgage or

secured car loan)

Statutory lien (such as tax lien, mechanic's lien)

Judgment lien from a lawsuit

Other (including a right to offset)

Last 4 digits of account number

$42,632.00 $46,252.00 $0.00

Add the dollar value of your entries in Column A on this page. Write that number here: $42,632.00

Official Form 106D Schedule D: Creditors Who Have Claims Secured by Property page 1 of 4

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Schedule D: Creditors Who Have Claims Secured by Property 12/15

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 17 of 64
Part 1:

Additional Page

After listing any entries on this page, number them beginning with

2.3, followed by 2.4, and so forth.

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports

this claim

Column C

Unsecured

portion

If any

2.2 Home Point Financial

Creditor's Name

11511 Luna Rd. Ste 300

Number Street

Dallas, TX 75234

City State ZIP Code

Who owes the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim relates to a

community debt

Date debt was incurred

Describe the property that secures the claim:

1641 Ladue Ct Apt 208 Woodbridge, VA

22191-5547

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Nature of lien. Check all that apply.

An agreement you made (such as mortgage or

secured car loan)

Statutory lien (such as tax lien, mechanic's lien)

Judgment lien from a lawsuit

Other (including a right to offset)

Last 4 digits of account number

$279,029.00 $285,000.00 $0.00

2.3 Legum & Norman Inc./Potomac Club

Owners Assc

Creditor's Name

PO Box 105771

Number Street

Atlanta, GA 30348

City State ZIP Code

Who owes the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim relates to a

community debt

Date debt was incurred

Describe the property that secures the claim:

15106 Kentshire Dr. Woodbridge, VA 22191

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Nature of lien. Check all that apply.

An agreement you made (such as mortgage or

secured car loan)

Statutory lien (such as tax lien, mechanic's lien)

Judgment lien from a lawsuit

Other (including a right to offset)

Last 4 digits of account number

$164.00 $319,000.00 $0.00

Add the dollar value of your entries in Column A on this page. Write that number here: $279,193.00

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 2 of 4

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 18 of 64
Part 1:

Additional Page

After listing any entries on this page, number them beginning with

2.3, followed by 2.4, and so forth.

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports

this claim

Column C

Unsecured

portion

If any

2.4 Parksquare at Potomac Club

Creditor's Name

c/o Legum & Norman

PO Box 105771

Number Street

Atlanta, GA 30348

City State ZIP Code

Who owes the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim relates to a

community debt

Date debt was incurred

Describe the property that secures the claim:

15106 Kentshire Dr. Woodbridge, VA 22191

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Nature of lien. Check all that apply.

An agreement you made (such as mortgage or

secured car loan)

Statutory lien (such as tax lien, mechanic's lien)

Judgment lien from a lawsuit

Other (including a right to offset)

Last 4 digits of account number

$234.10 $319,000.00 $0.00

2.5 Potomac Pointe Condo Assoc

Creditor's Name

14120 Big Crest Ln

Number Street

Woodbridge, VA 22191

City State ZIP Code

Who owes the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim relates to a

community debt

Date debt was incurred

Describe the property that secures the claim:

1641 Ladue Ct Apt 208 Woodbridge, VA

22191-5547

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Nature of lien. Check all that apply.

An agreement you made (such as mortgage or

secured car loan)

Statutory lien (such as tax lien, mechanic's lien)

Judgment lien from a lawsuit

Other (including a right to offset)

Last 4 digits of account number

$1.00 $285,000.00 $0.00

Add the dollar value of your entries in Column A on this page. Write that number here: $235.10

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 3 of 4

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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Part 1:

Additional Page

After listing any entries on this page, number them beginning with

2.3, followed by 2.4, and so forth.

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Column A

Amount of claim

Do not deduct the

value of collateral.

Column B

Value of collateral

that supports

this claim

Column C

Unsecured

portion

If any

2.6 Select Portfolio Servicing

Creditor's Name

PO Box 65250

Number Street

Salt Lake City, UT 84165

City State ZIP Code

Who owes the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim relates to a

community debt

Date debt was incurred

Describe the property that secures the claim:

15106 Kentshire Dr. Woodbridge, VA 22191

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Nature of lien. Check all that apply.

An agreement you made (such as mortgage or

secured car loan)

Statutory lien (such as tax lien, mechanic's lien)

Judgment lien from a lawsuit

Other (including a right to offset)

Last 4 digits of account number

$348,248.00 $319,000.00 $29,248.00

Add the dollar value of your entries in Column A on this page. Write that number here: $348,248.00

If this is the last page of your form, add the dollar value totals from all pages. Write that number

here:

$670,308.10

Official Form 106D Additional Page of Schedule D: Creditors Who Have Claims Secured by Property page 4 of 4

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 20 of 64
Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 106E/F

Be as complete and accurate as possible. Use Part 1 for creditors with PRIORITY claims and Part 2 for creditors with NONPRIORITY claims. List the other party to

any executory contracts or unexpired leases that could result in a claim. Also list executory contracts on Schedule A/B: Property (Official Form 106A/B) and on

Schedule G: Executory Contracts and Unexpired Leases (Official Form 106G). Do not include any creditors with partially secured claims that are listed in Schedule

D: Creditors Who Hold Claims Secured by Property. If more space is needed, copy the Part you need, fill it out, number the entries in the boxes on the left. Attach

the Continuation Page to this page. On the top of any additional pages, write your name and case number (if known).

Part 1: List All of Your PRIORITY Unsecured Claims

1. Do any creditors have priority unsecured claims against you?

No. Go to Part 2.

Yes.

2. List all of your priority unsecured claims. If a creditor has more than one priority unsecured claim, list the creditor separately for each claim. For each claim listed,

identify what type of claim it is. If a claim has both priority and nonpriority amounts, list that claim here and show both priority and nonpriority amounts. As much as

possible, list the claims in alphabetical order according to the creditor’s name. If you have more than two priority unsecured claims, fill out the Continuation Page of

Part 1. If more than one creditor holds a particular claim, list the other creditors in Part 3.

(For an explanation of each type of claim, see the instructions for this form in the instruction booklet.)

Total

claim

Priority

amount

Nonpriority

amount

Priority Creditor's Name

Number Street

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that

apply.

Contingent

Unliquidated

Disputed

Type of PRIORITY unsecured claim:

Domestic support obligations

Taxes and certain other debts you owe the

government

Claims for death or person injury while you were

intoxicated

Other. Specify

Official Form 106E/F Schedule E/F: Creditors Who Have Unsecured Claims page 1 of 6

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Schedule E/F: Creditors Who Have Unsecured Claims 12/15

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: List All of Your NONPRIORITY Unsecured Claims

3. Do any creditors have nonpriority unsecured claims against you?

No. You have nothing to report in this part. Submit this form to the court with your other schedules.

Yes.

4. List all of your nonpriority unsecured claims in the alphabetical order of the creditor who holds each claim. If a creditor has more than one nonpriority

unsecured claim, list the creditor separately for each claim. For each claim listed, identify what type of claim it is. Do not list claims already included in Part 1. If more

than one creditor holds a particular claim, list the other creditors in Part 3. If you have more than three nonpriority unsecured claims fill out the Continuation Page of

Part 2.

Total claim

4.1 Barclays Bank Delaware

Nonpriority Creditor's Name

PO Box 8803

Number Street

Wilmington, DE 19899

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$7,488.00

4.2 Barclays Bank Delaware

Nonpriority Creditor's Name

PO Box 8803

Number Street

Wilmington, DE 19899

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$5,473.00

4.3 CBNA

Nonpriority Creditor's Name

50 Northwest Point Rd

Number Street

Elk Grove Village, IL 60007

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$2,482.00

Official Form 106E/F Schedule E/F: Creditors Who Have Unsecured Claims page 2 of 6

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Your NONPRIORITY Unsecured Claims - Continuation Page

After listing any entries on this page, number them beginning with 4.5, followed by 4.6, and so forth. Total claim

4.4 Comenity Bank / An Tlr

Nonpriority Creditor's Name

PO Box 182789

Number Street

Columbus, OH 43218

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$3,513.00

4.5 Lending Club Corp

Nonpriority Creditor's Name

71 Stevenson St 300

Number Street

San Francisco, CA 94105

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$17,994.00

4.6 Mohela / Dept of Ed

Nonpriority Creditor's Name

633 Spirit Dr.

Number Street

Chesterfield, MO 63005

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

$4,466.00

Official Form 106E/F Schedule E/F: Creditors Who Have Unsecured Claims page 3 of 6

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 23 of 64
Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Your NONPRIORITY Unsecured Claims - Continuation Page

After listing any entries on this page, number them beginning with 4.5, followed by 4.6, and so forth. Total claim

4.7 Nordstrom Bank

Nonpriority Creditor's Name

13531 E. Caley Ave.

Number Street

Englewood, CO 80111

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$1,269.00

4.8 Pentagon Federal Credit Union

Nonpriority Creditor's Name

PO Box 1432

Number Street

Alexandria, VA 22313

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$5,206.00

4.9 SYNCB/Amer Eagle DC

Nonpriority Creditor's Name

PO Box 965005

Number Street

Orlando, FL 32896

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$62.00

Official Form 106E/F Schedule E/F: Creditors Who Have Unsecured Claims page 4 of 6

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 24 of 64
Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Your NONPRIORITY Unsecured Claims - Continuation Page

After listing any entries on this page, number them beginning with 4.5, followed by 4.6, and so forth. Total claim

4.10 SYNCB/Havertys

Nonpriority Creditor's Name

950 Forrer Blvd

Number Street

Dayton, OH 45420

City State ZIP Code

Who incurred the debt? Check one.

Debtor 1 only

Debtor 2 only

Debtor 1 and Debtor 2 only

At least one of the debtors and another

Check if this claim is for a community debt

Is the claim subject to offset?

No

Yes

Last 4 digits of account number

When was the debt incurred?

As of the date you file, the claim is: Check all that apply.

Contingent

Unliquidated

Disputed

Type of NONPRIORITY unsecured claim:

Student loans

Obligations arising out of a separation agreement or

divorce that you did not report as priority claims

Debts to pension or profit-sharing plans, and other

similar debts

Other. Specify

Credit Card

$4,163.00

Official Form 106E/F Schedule E/F: Creditors Who Have Unsecured Claims page 5 of 6

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 25 of 64
Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 4: Add the Amounts for Each Type of Unsecured Claim

6. Total the amounts of certain types of unsecured claims. This information is for statistical reporting purposes only. 28 U.S.C. §159. Add the amounts for each

type of unsecured claim.

Total claim

Total claims

from Part 1

6a. Domestic support obligations 6a. $0.00

6b. Taxes and certain other debts you owe the

government

6b. $0.00

6c. Claims for death or personal injury while you

were intoxicated

6c. $0.00

6d. Other. Add all other priority unsecured claims.

Write that amount here.

6d. + $0.00

6e. Total. Add lines 6a through 6d. 6e. $0.00

Total claim

Total claims

from Part 2

6f. Student loans 6f. $4,466.00

6g. Obligations arising out of a separation

agreement or divorce that you did not report as

priority claims

6g. $0.00

6h. Debts to pension or profit-sharing plans, and

other similar debts

6h. $0.00

6i. Other. Add all other nonpriority unsecured claims.

Write that amount here.

6i. + $47,650.00

6j. Total. Add lines 6f through 6i. 6j. $52,116.00

Official Form 106E/F Schedule E/F: Creditors Who Have Unsecured Claims page 6 of 6

Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 26 of 64
Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 106G

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, copy the additional page, fill it out, number the entries, and attach it to this page. On the top of any additional pages, write your name and case number (if

known).

1. Do you have any executory contracts or unexpired leases?

 No. Check this box and file this form with the court with your other schedules. You have nothing else to report on this form.

 Yes. Fill in all of the information below even if the contracts or leases are listed on Schedule A/B: Property (Official Form 106A/B).

2. List separately each person or company with whom you have the contract or lease. Then state what each contract or lease is for (for example, rent,

vehicle lease, cell phone). See the instructions for this form in the instruction booklet for more examples of executory contracts and unexpired leases.

Person or company with whom you have the contract or lease State what the contract or lease is for

2.1

Name

Number Street

City State ZIP Code

2.2

Name

Number Street

City State ZIP Code

2.3

Name

Number Street

City State ZIP Code

2.4

Name

Number Street

City State ZIP Code

Official Form 106G Schedule G: Executory Contracts and Unexpired Leases page 1 of 1

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Schedule G: Executory Contracts and Unexpired Leases 12/15

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 27 of 64
Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 106H

Codebtors are people or entities who are also liable for any debts you may have. 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, copy the Additional Page, fill it out, and number the entries in the boxes on

the left. Attach the Additional Page to this page. On the top of any Additional Pages, write your name and case number (if known). Answer every question.

1. Do you have any codebtors? (If you are filing a joint case, do not list either spouse as a codebtor.)

 No

 Yes

2. Within the last 8 years, have you lived in a community property state or territory? (Community property states and territories include Arizona, California, Idaho,

Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin.)

 No. Go to line 3.

 Yes. Did your spouse, former spouse, or legal equivalent live with you at the time?

 No

 Yes. In which community state or territory did you live? . Fill in the name and current address of that person.

Name

Number Street

City State ZIP Code

3. In Column 1, list all of your codebtors. Do not include your spouse as a codebtor if your spouse is filing with you. List the person shown in line 2 again as a

codebtor only if that person is a guarantor or cosigner. Make sure you have listed the creditor on Schedule D (Official Form 106D), Schedule E/F (Official

Form 106E/F), or Schedule G (Official Form 106G). Use Schedule D, Schedule E/F, or Schedule G to fill out Column 2.

Column 1: Your codebtor Column 2: The creditor to whom you owe the debt

Check all schedules that apply:

3.1 Crable, Earl C.

Name

5674 Virginia Lane

Number Street

Oxon Hill, MD 20745

City State ZIP Code

 Schedule D, line 2.3, 2.4, 2.6

 Schedule E/F, line 

 Schedule G, line 

Official Form 106H Schedule H: Your Codebtors page 1 of 1

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Schedule H: Your Codebtors 12/15

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 28 of 64
Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252

Official Form 106I

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

Occupation

Employer's name

Employer's address

Employed Not Employed

Supervisory Financial Manager

US Department of Transportation

1200 New Jersey Ave SE E41-313

Number Street

Washington, DC 20590

City State Zip Code

Employed Not Employed

Number Street

City State Zip Code

How long employed there? 11 years

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. $11,355.07 $0.00

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

4. Calculate gross income. Add line 2 + line 3. 4. $11,355.07 $0.00

Official Form 106I Schedule I: Your Income page 1

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here....................................................................................➔ 4. $11,355.07 $0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions

5b. Mandatory contributions for retirement plans

5c. Voluntary contributions for retirement plans

5d. Required repayments of retirement fund loans

5e. Insurance

5f. Domestic support obligations

5g. Union dues

5h. Other deductions. Specify: Savings Allotment

5a.

5b.

5c.

5d.

5e.

5f.

5g.

5h.

$3,556.24

$1,304.66

$340.64

$0.00

$412.95

$0.00

$0.00

+ $0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e +5f + 5g + 5h. 6. $5,614.48 $0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $5,740.58 $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.

8b. Interest and dividends

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.

8d. Unemployment compensation

8e. Social Security

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: 

8g. Pension or retirement income

8h. Other monthly income. Specify:

8a.

8b.

8c.

8d.

8e.

8f.

8g.

8h.

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f +8g + 8h. 9. $0.00 $0.00

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. $5,740.58 + $0.00 = $5,740.58

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. Write that

amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, if it applies 12. $5,740.58

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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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 30 of 64
Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

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?

Child 17 No. Yes.

Nephew 1 No. Yes.

 No. Yes.

 No. Yes.

 No. Yes.

Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252

Official Form 106J

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.

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.

If not included in line 4:

4a. Real estate taxes

4b. Property, homeowner's, or renter's insurance

4c. Home maintenance, repair, and upkeep expenses

4d. Homeowner's association or condominium dues

4.

4a.

4b.

4c.

4d.

$1,835.00

$0.00

$52.00

$75.00

$450.00

Official Form 106J Schedule J: Your Expenses page 1

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Schedule J: Your Expenses 12/15

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Your expenses

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

6. Utilities:

6a. Electricity, heat, natural gas

6b. Water, sewer, garbage collection

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

6d. Other. Specify: Cell Phones

6a.

6b.

6c.

6d.

$0.00

$0.00

$130.00

$110.00

7. Food and housekeeping supplies 7. $500.00

8. Childcare and children’s education costs 8. $0.00

9. Clothing, laundry, and dry cleaning 9. $280.00

10. Personal care products and services 10. $428.00

11. Medical and dental expenses 11. $2,007.00

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

Do not include car payments. 12. $375.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $75.00

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

15b. Health insurance

15c. Vehicle insurance

15d. Other insurance. Specify: 

15a.

15b.

15c.

15d.

$135.00

$0.00

$86.00

$0.00

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

Specify: Car Tax 16. $108.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1

17b. Car payments for Vehicle 2

17c. Other. Specify: 

17d. Other. Specify: 

17a.

17b.

17c.

17d.

$717.00

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.

Specify: 19. $0.00

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

20b. Real estate taxes

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

20d. Maintenance, repair, and upkeep expenses

20e. Homeowner’s association or condominium dues

20a.

20b.

20c.

20d.

20e.

$0.00

$0.00

$0.00

$0.00

$0.00

Official Form 106J Schedule J: Your Expenses page 2

Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 32 of 64
Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

21. Other. Specify: 21. + $0.00

22. Calculate your monthly expenses.

22a. Add lines 4 through 21.

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.

22a.

22b.

22c.

$7,363.00

$0.00

$7,363.00

23. Calculate your monthly net income.

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

23b. Copy your monthly expenses from line 22c above.

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

The result is your monthly net income.

23a.

23b.

23c.

$5,740.58

– $7,363.00

($1,622.42)

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:

Infant, great-nephew is added to household effective 9/27

Official Form 106J Schedule J: Your Expenses page 3

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 33 of 64
Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 106Sum

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct information. Fill out all of your

schedules first; then complete the information on this form. If you are filing amended schedules after you file your original forms, you must fill out a new Summary

and check the box at the top of this page.

Part 1: Summarize Your Assets

Your assets

Value of what you own

1. Schedule A/B: Property (Official Form 106A/B)

1a. Copy line 55, Total real estate, from Schedule A/B...........................................................................................................

1b. Copy line 62, Total personal property, from Schedule A/B................................................................................................

1c. Copy line 63, Total of all property on Schedule A/B...........................................................................................................

$604,000.00

$194,955.12

$798,955.12

Part 2: Summarize Your Liabilities

Your liabilities

Amount you owe

2. Schedule D: Creditors Who Have Claims Secured by Property (Official Form 106D)

2a. Copy the total you listed in Column A, Amount of claim, at the bottom of the last page of Part 1 of Schedule D.......

$670,308.10

3. Schedule E/F: Creditors Who Have Unsecured Claims (Official Form 106E/F)

3a. Copy the total claims from Part 1 (priority unsecured claims) from line 6e of Schedule E/F......................................

3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F.................................

$0.00

+ $52,116.00

Your total liabilities $722,424.10

Part 3: Summarize Your Income and Expenses

4. Schedule I: Your Income (Official Form 106I)

Copy your combined monthly income from line 12 of Schedule I..........................................................................................

$5,740.58

5. Schedule J: Your Expenses (Official Form 106J)

Copy your monthly expenses from line 22c of Schedule J.................................................................................. $7,363.00

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 1 of 2

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Summary of Your Assets and Liabilities and Certain Statistical

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 34 of 64
Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 4: Answer These Questions for Administrative and Statistical Records

6. Are you filing for bankruptcy under Chapters 7, 11, or 13?

 No. You have nothing to report on this part of the form. Check this box and submit this form to the court with your other schedules.

 Yes

7. What kind of debt do you have?

Your debts are primarily consumer debts. Consumer debts are those “incurred by an individual primarily for a personal,

family, or household purpose.” 11 U.S.C. § 101(8). Fill out lines 8-9g for statistical purposes. 28 U.S.C. § 159.

Your debts are not primarily consumer debts. You have nothing to report on this part of the form. Check this box and submit

this form to the court with your other schedules.

8. From the Statement of Your Current Monthly Income: Copy your total current monthly income from Official

Form 122A-1 Line 11; OR, Form 122B Line 11; OR, Form 122C-1 Line 14. $11,413.07

9. Copy the following special categories of claims from Part 4, line 6 of Schedule E/F:

Total claim

From Part 4 on Schedule E/F, copy the following:

9a. Domestic support obligations (Copy line 6a.) $0.00

9b. Taxes and certain other debts you owe the government. (Copy line 6b.) $0.00

9c. Claims for death or personal injury while you were intoxicated. (Copy line 6c.) $0.00

9d. Student loans. (Copy line 6f.) $4,466.00

9e.Obligations arising out of a separation agreement or divorce that you did not report as priority

claims. (Copy line 6g.)

$0.00

9f. Debts to pension or profit-sharing plans, and other similar debts. (Copy line 6h.) + $0.00

9g. Total. Add lines 9a through 9f. $4,466.00

Official Form 106Sum Summary of Your Assets and Liabilities and Certain Statistical Information page 2 of 2

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

 Document Page 35 of 64
Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 106Dec

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.

✘ /s/ Edwina D. Crable

Edwina D. Crable, Debtor 1

Date 10/17/2019

MM/ DD/ YYYY

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MM/ DD/ YYYY

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

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Declaration About an Individual Debtor's Schedules 12/15

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Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 107

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 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: Give Details About Your Marital Status and Where You Lived Before

1. What is your current marital status?

Married

Not married

2. During the last 3 years, have you lived anywhere other than where you live now?

No

Yes. List all of the places you lived in the last 3 years. Do not include where you live now.

Debtor 1: Dates Debtor 1 lived

there

Debtor 2: Dates Debtor 2 lived

there

15106 Kentshire

Number Street

City State ZIP Code

From 9/2007

To 5/2019

Same as Debtor 1

Number Street

City State ZIP Code

Same as Debtor 1

From 

To

Number Street

City State ZIP Code

From 

To

Same as Debtor 1

Number Street

City State ZIP Code

Same as Debtor 1

From 

To

3. Within the last 8 years, did you ever live with a spouse or legal equivalent in a community property state or territory?(Community property states and territories

include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin.)

No

Yes. Make sure you fill out Schedule H: Your Codebtors (Official Form 106H).

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 1

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Statement of Financial Affairs for Individuals Filing for Bankruptcy 04/19

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Explain the Sources of Your Income

4. Did you have any income from employment or from operating a business during this year or the two previous calendar years?

Fill in the total amount of income you received from all jobs and all businesses, including part-time activities.

If you are filing a joint case and you have income that you receive together, list it only once under Debtor 1.

No

Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income

Check all that apply.

Gross Income

(before deductions and

exclusions)

Sources of income

Check all that apply.

Gross Income

(before deductions and

exclusions)

From January 1 of current year until the

date you filed for bankruptcy:

Wages, commissions,

bonuses, tips

 Operating a business

$88,344.00

Wages, commissions,

bonuses, tips

 Operating a business

For last calendar year:

(January 1 to December 31, 2018 )

YYYY

Wages, commissions,

bonuses, tips

 Operating a business

$126,288.00

Wages, commissions,

bonuses, tips

 Operating a business

For the calendar year before that:

(January 1 to December 31, 2017 )

YYYY

Wages, commissions,

bonuses, tips

 Operating a business

$129,869.00

Wages, commissions,

bonuses, tips

 Operating a business

5. Did you receive any other income during this year or the two previous calendar years?

Include income regardless of whether that income is taxable. Examples of other income are alimony; child support; Social Security, unemployment, and other public benefit

payments; pensions; rental income; interest; dividends; money collected from lawsuits; royalties; and gambling and lottery winnings. If you are filing a joint case and you

have income that you received together, list it only once under Debtor 1.

No

Yes. Fill in the details.

Debtor 1 Debtor 2

Sources of income

Describe below.

Gross income from each

source

(before deductions and

exclusions)

Sources of income

Describe below.

Gross Income from each

source

(before deductions and

exclusions)

From January 1 of current year until the

date you filed for bankruptcy:

Child Support $821.00

For last calendar year:

(January 1 to December 31, 2018 )

YYYY

For the calendar year before that:

(January 1 to December 31, 2017 )

YYYY

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 2

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 3: List Certain Payments You Made Before You Filed for Bankruptcy

6. Are either Debtor 1’s or Debtor 2’s debts primarily consumer debts?

 No. Neither Debtor 1 nor Debtor 2 has primarily consumer debts. Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an

individual primarily for a personal, family, or household purpose.”

During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $6,825* or more?

 No. Go to line 7.

 Yes. List below each creditor to whom you paid a total of $6,825* or more in one or more payments and the total amount you paid that

creditor. Do not include payments for domestic support obligations, such as child support and alimony. Also, do not include

payments to an attorney for this bankruptcy case.

* Subject to adjustment on 4/01/22 and every 3 years after that for cases filed on or after the date of adjustment.

 Yes. Debtor 1 or Debtor 2 or both have primarily consumer debts.

During the 90 days before you filed for bankruptcy, did you pay any creditor a total of $600 or more?

 No. Go to line 7.

 Yes. List below each creditor to whom you paid a total of $600 or more and the total amount you paid that creditor. Do not include

payments for domestic support obligations, such as child support and alimony. Also, do not include payments to an attorney for

this bankruptcy case.

Dates of

payment

Total amount paid Amount you still owe Was this payment for...

Stonegate Mtg/Homepoint Finance

Creditor's Name

4894 Greenville Ave Ste 800

Number Street

Dallas, TX 75206

City State ZIP Code

monthly $1,835.00 $279,029.00

 Mortgage

 Car

 Credit card

 Loan repayment

 Suppliers or vendors

 Other 

Andrews Federal Credit Union

Creditor's Name

5711 Allentown Rd Ste 400

Number Street

Suitland, MD 20746

City State ZIP Code

monthly $717.00 $42,632.00

 Mortgage

 Car

 Credit card

 Loan repayment

 Suppliers or vendors

 Other 

7. Within 1 year before you filed for bankruptcy, did you make a payment on a debt you owed anyone who was an insider?

Insiders include your relatives; any general partners; relatives of any general partners; partnerships of which you are a general partner; corporations of which you are an

officer, director, person in control, or owner of 20% or more of their voting securities; and any managing agent, including one for a business you operate as a sole

proprietor. 11 U.S.C. § 101. Include payments for domestic support obligations, such as child support and alimony.

 No

 Yes. List all payments to an insider.

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 3

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Dates of

payment

Total amount paid Amount you still owe Reason for this payment

Insider's Name

Number Street

City State ZIP Code

8. Within 1 year before you filed for bankruptcy, did you make any payments or transfer any property on account of a debt that benefited an insider?

Include payments on debts guaranteed or cosigned by an insider.

 No

 Yes. List all payments that benefited an insider.

Dates of

payment

Total amount paid Amount you still owe Reason for this payment

Include creditor’s name

Insider's Name

Number Street

City State ZIP Code

Part 4: Identify Legal Actions, Repossessions, and Foreclosures

9. Within 1 year before you filed for bankruptcy, were you a party in any lawsuit, court action, or administrative proceeding?

List all such matters, including personal injury cases, small claims actions, divorces, collection suits, paternity actions, support or custody modifications, and contract

disputes.

 No

 Yes. Fill in the details.

Nature of the case Court or agency Status of the case

Case title 

Case number 

Court Name

Number Street

City State ZIP Code

 Pending

 On appeal

 Concluded

10. Within 1 year before you filed for bankruptcy, was any of your property repossessed, foreclosed, garnished, attached, seized, or levied?

Check all that apply and fill in the details below.

 No. Go to line 11.

 Yes. Fill in the information below.

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 4

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Creditor’s Name

Number Street

City State ZIP Code

Describe the property

Explain what happened

 Property was repossessed.

 Property was foreclosed.

 Property was garnished.

 Property was attached, seized, or levied.

Date Value of the property

11. Within 90 days before you filed for bankruptcy, did any creditor, including a bank or financial institution, set off any amounts from your accounts or refuse

to make a payment because you owed a debt?

 No

 Yes. Fill in the details.

Creditor’s Name

Number Street

City State ZIP Code

Describe the action the creditor took

Last 4 digits of account number: XXXX– 

Date action was

taken

Amount

12. Within 1 year before you filed for bankruptcy, was any of your property in the possession of an assignee for the benefit of creditors, a court-appointed

receiver, a custodian, or another official?

 No

 Yes

Part 5: List Certain Gifts and Contributions

13. Within 2 years before you filed for bankruptcy, did you give any gifts with a total value of more than $600 per person?

 No

 Yes. Fill in the details for each gift.

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 5

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Gifts with a total value of more than $600 per

person

Person to Whom You Gave the Gift

Number Street

City State ZIP Code

Person’s relationship to you 

Describe the gifts Dates you gave

the gifts

Value

14. Within 2 years before you filed for bankruptcy, did you give any gifts or contributions with a total value of more than $600 to any charity?

 No

 Yes. Fill in the details for each gift or contribution.

Gifts or contributions to charities that

total more than $600

Charity’s Name

Number Street

City State ZIP Code

Describe what you contributed Date you

contributed

Value

Part 6: List Certain Losses

15. Within 1 year before you filed for bankruptcy or since you filed for bankruptcy, did you lose anything because of theft, fire, other disaster, or gambling?

 No

 Yes. Fill in the details.

Describe the property you lost and

how the loss occurred

Describe any insurance coverage for the loss

Include the amount that insurance has paid. List pending

insurance claims on line 33 of Schedule A/B: Property.

Date of your loss Value of property lost

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 6

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 7: List Certain Payments or Transfers

16. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone you consulted about

seeking bankruptcy or preparing a bankruptcy petition?

Include any attorneys, bankruptcy petition preparers, or credit counseling agencies for services required in your bankruptcy.

 No

 Yes. Fill in the details.

Law Offices Of Robert Weed

Person Who Was Paid

1376 Old Bridge Rd. Ste 101-4

Number Street

Woodbridge, VA 22192

City State ZIP Code

Email or website address

Person Who Made the Payment, if Not You

Description and value of any property transferred

Attorney’s Fee

Date payment or

transfer was made

9/23/2019

Amount of payment

$2,810.00

Money Mgmt Int'l

Person Who Was Paid

Number Street

City State ZIP Code

Email or website address

Person Who Made the Payment, if Not You

Description and value of any property transferred Date payment or

transfer was made

Amount of payment

$10.00

17. Within 1 year before you filed for bankruptcy, did you or anyone else acting on your behalf pay or transfer any property to anyone who promised to help you

deal with your creditors or to make payments to your creditors?

Do not include any payment or transfer that you listed on line 16.

 No

 Yes. Fill in the details.

Person Who Was Paid

Number Street

City State ZIP Code

Description and value of any property transferred Date payment or

transfer was made

Amount of payment

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 7

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

18. Within 2 years before you filed for bankruptcy, did you sell, trade, or otherwise transfer any property to anyone, other than property transferred in the

ordinary course of your business or financial affairs?

Include both outright transfers and transfers made as security (such as the granting of a security interest or mortgage on your property).

Do not include gifts and transfers that you have already listed on this statement.

 No

 Yes. Fill in the details.

Description and value of property

transferred

Describe any property or payments received

or debts paid in exchange

Date transfer was

made

Lustine Jeep Dodge Ram

Person Who Received Transfer

Number Street

City State ZIP Code

Person's relationship to you

Traded in 2016 Jeep Wrangler for the Jeep

she currently owns. 3/15/2018

19. Within 10 years before you filed for bankruptcy, did you transfer any property to a self-settled trust or similar device of which you are a beneficiary?(These are

often called asset-protection devices.)

 No

 Yes. Fill in the details.

Name of trust 

Description and value of the property transferred Date transfer was

made

Part 8: List Certain Financial Accounts, Instruments, Safe Deposit Boxes, and Storage Units

20. Within 1 year before you filed for bankruptcy, were any financial accounts or instruments held in your name, or for your benefit, closed, sold, moved, or

transferred?

Include checking, savings, money market, or other financial accounts; certificates of deposit; shares in banks, credit unions, brokerage houses, pension funds,

cooperatives, associations, and other financial institutions.

 No

 Yes. Fill in the details.

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 8

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Last 4 digits of account number Type of account or

instrument

Date account was

closed, sold, moved, or

transferred

Last balance

before closing or

transfer

Bank of America

Name of Financial Institution

Number Street

City State ZIP Code

XXXX– Checking

 Savings

 Money market

 Brokerage

 Other 

1/11/2019 $0.00

21. Do you now have, or did you have within 1 year before you filed for bankruptcy, any safe deposit box or other depository for securities, cash, or other

valuables?

 No

 Yes. Fill in the details.

Who else had access to it? Describe the contents Do you still have

it?

Name of Financial Institution

Number Street

City State ZIP Code

Name

Number Street

City State ZIP Code

 No

 Yes

22. Have you stored property in a storage unit or place other than your home within 1 year before you filed for bankruptcy?

 No

 Yes. Fill in the details.

Who else has or had access to it? Describe the contents Do you still have

it?

Name of Storage Facility

Number Street

City State ZIP Code

Name

Number Street

City State ZIP Code

 No

 Yes

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 9

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 9: Identify Property You Hold or Control for Someone Else

23. Do you hold or control any property that someone else owns? Include any property you borrowed from, are storing for, or hold in trust for someone.

 No

 Yes. Fill in the details.

Where is the property? Describe the property Value

Owner's Name

Number Street

City State ZIP Code

Number Street

City State ZIP Code

Part 10: Give Details About Environmental Information

For the purpose of Part 10, the following definitions apply:

Environmental law means any federal, state, or local statute or regulation concerning pollution, contamination, releases of hazardous or toxic substances, wastes,

or material into the air, land, soil, surface water, groundwater, or other medium, including statutes or regulations controlling the cleanup of these substances,

wastes, or material.

Site means any location, facility, or property as defined under any environmental law, whether you now own, operate, or utilize it or used to own, operate, or utilize it,

including disposal sites.

Hazardous material means anything an environmental law defines as a hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant,

contaminant, or similar term.

Report all notices, releases, and proceedings that you know about, regardless of when they occurred.

24. Has any governmental unit notified you that you may be liable or potentially liable under or in violation of an environmental law?

 No

 Yes. Fill in the details.

Governmental unit Environmental law, if you know it Date of notice

Name of site

Number Street

City State ZIP Code

Governmental unit

Number Street

City State ZIP Code

25. Have you notified any governmental unit of any release of hazardous material?

 No

 Yes. Fill in the details.

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 10

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Governmental unit Environmental law, if you know it Date of notice

Name of site

Number Street

City State ZIP Code

Governmental unit

Number Street

City State ZIP Code

26. Have you been a party in any judicial or administrative proceeding under any environmental law? Include settlements and orders.

 No

 Yes. Fill in the details.

Court or agency Nature of the case Status of the case

Case title

Case number

Court Name

Number Street

City State ZIP Code

 Pending

 On appeal

 Concluded

Part 11: Give Details About Your Business or Connections to Any Business

27. Within 4 years before you filed for bankruptcy, did you own a business or have any of the following connections to any business?

A sole proprietor or self-employed in a trade, profession, or other activity, either full-time or part-time

A member of a limited liability company (LLC) or limited liability partnership (LLP)

A partner in a partnership

An officer, director, or managing executive of a corporation

An owner of at least 5% of the voting or equity securities of a corporation

 No. None of the above applies. Go to Part 12.

 Yes. Check all that apply above and fill in the details below for each business.

Name

Number Street

City State ZIP Code

Describe the nature of the business

Name of accountant or bookkeeper

Employer Identification number

Do not include Social Security number or ITIN.

EIN: –

Dates business existed

From To 

Official Form 107 Statement of Financial Affairs for Individuals Filing for Bankruptcy page 11

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

28. Within 2 years before you filed for bankruptcy, did you give a financial statement to anyone about your business? Include all financial institutions, creditors,

or other parties.

 No

 Yes. Fill in the details below.

Date issued

Name

Number Street

City State ZIP Code

MM / DD / YYYY

Part 12: Sign Below

I have read the answers on this Statement of Financial Affairs and any attachments, and I declare under penalty of perjury that the answers are true and

correct. I understand that 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.

✘ /s/ Edwina D. Crable

Signature of Edwina D. Crable, Debtor 1

Date 10/17/2019

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Signature of

Date 

Did you attach additional pages to your Statement of Financial Affairs for Individuals Filing for Bankruptcy (Official Form 107)?

 No

 Yes

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 the Bankruptcy Petition Preparer’s Notice,

Declaration, and Signature (Official Form 119).

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Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252 Check if this is an

amended filing

Official Form 108

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

name: Potomac Pointe Condo Assoc

Description of

property

securing debt:

1641 Ladue Ct Apt 208 Woodbridge, VA

22191-5547

Surrender the property.

Retain the property and redeem it.

Retain the property and enter into a

Reaffirmation Agreement.

Retain the property and [explain]:

pay

No

Yes

Creditor’s

name: Legum & Norman Inc./Potomac Club Owners

Assc

Description of

property

securing debt:

15106 Kentshire Dr. Woodbridge, VA

22191

Surrender the property.

Retain the property and redeem it.

Retain the property and enter into a

Reaffirmation Agreement.

Retain the property and [explain]:

No

Yes

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

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

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Additional Page for Part 1

Creditor’s

name: Parksquare at Potomac Club

Description of

property

securing debt:

15106 Kentshire Dr. Woodbridge, VA

22191

Surrender the property.

Retain the property and redeem it.

Retain the property and enter into a

Reaffirmation Agreement.

Retain the property and [explain]:

No

Yes

Creditor’s

name: Andrews Federal Credit Union

Description of

property

securing debt:

2018 Jeep Wrangler

Surrender the property.

Retain the property and redeem it.

Retain the property and enter into a

Reaffirmation Agreement.

Retain the property and [explain]:

pay

No

Yes

Creditor’s

name: Home Point Financial

Description of

property

securing debt:

1641 Ladue Ct Apt 208 Woodbridge, VA

22191-5547

Surrender the property.

Retain the property and redeem it.

Retain the property and enter into a

Reaffirmation Agreement.

Retain the property and [explain]:

pay

No

Yes

Creditor’s

name: Select Portfolio Servicing

Description of

property

securing debt:

15106 Kentshire Dr. Woodbridge, VA

22191

Surrender the property.

Retain the property and redeem it.

Retain the property and enter into a

Reaffirmation Agreement.

Retain the property and [explain]:

No

Yes

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

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

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?

Lessor’s name:

Description of leased

property:

No

Yes

Lessor’s name:

Description of leased

property:

No

Yes

Lessor’s name:

Description of leased

property:

No

Yes

Lessor’s name:

Description of leased

property:

No

Yes

Lessor’s name:

Description of leased

property:

No

Yes

Lessor’s name:

Description of leased

property:

No

Yes

Lessor’s name:

Description of leased

property:

No

Yes

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.

✘ /s/ Edwina D. Crable

Signature of Debtor 1

Date 10/17/2019

MM/ DD/ YYYY

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Signature of Debtor 2

Date 

MM/ DD/ YYYY

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

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Check one box only as directed in this form and in Form

122A-1Supp:

1. There is no presumption of abuse.

2. The calculation to determine if a presumption of

abuse applies will be made under Chapter 7 Means

Test Calculation (Official Form 122A-2).

3. The Means Test does not apply now because of

qualified military service but it could apply later.

Check if this is an amended filing

Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252

Official Form 122A-1

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for being accurate. If more space is needed, attach a

separate sheet to this form. Include the line number to which the additional information applies. On the top of any additional pages, write your name and case

number (if known). If you believe that you are exempted from a presumption of abuse because you do not have primarily consumer debts or because of qualifying

military service, complete and file Statement of Exemption from Presumption of Abuse Under § 707(b)(2) (Official Form 122A-1Supp) with this form.

Part 1: Calculate Your Current Monthly Income

1. What is your marital and filing status? Check one only.

Not married. Fill out Column A, lines 2-11.

Married and your spouse is filing with you. Fill out both Columns A and B, lines 2-11.

Married and your spouse is NOT filing with you. You and your spouse are:

Living in the same household and are not legally separated. Fill out both Column A and B, lines 2-11.

Living separately or are legally separated. Fill out Column A, lines 2-11; do not fill out Column B. By checking this box, you declare under

penalty of perjury that you and your spouse are legally separated under nonbankruptcy law that applies or that you and your spouse are living

apart for reasons that do not include evading the Means Test requirements. 11 U.S.C. § 707(b)(7)(B).

Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this bankruptcy case.11 U.S.C. §

101(10A). For example, if you are filing on September 15, the 6-month period would be March 1 through August 31. If the amount of your monthly income varied during the

6 months, add the income for all 6 months and divide the total by 6. Fill in the result. Do not include any income amount more than once. For example, if both spouses own

the same rental property, put the income from that property in one column only. If you have nothing to report for any line, write $0 in the space.

Column A

Debtor 1

Column B

Debtor 2 or

non-filing spouse

2. Your gross wages, salary, tips, bonuses, overtime, and commissions (before all payroll

deductions). $11,413.07

3. Alimony and maintenance payments. Do not include payments from a spouse if Column B is

filled in. $0.00

4. All amounts from any source which are regularly paid for household expenses of you or your

dependents, including child support. Include regular contributions from an unmarried partner,

members of your household, your dependents, parents, and roommates. Include regular

contributions from a spouse only if Column B is not filled in. Do not include payments you listed on

line 3. $0.00

5. Net income from operating a business, profession,

or farm Debtor 1 Debtor 2

Gross receipts (before all deductions) $0.00

Ordinary and necessary operating expenses -

$0.00 -

Net monthly income from a business, profession, or farm $0.00 Copy

here

→ $0.00

6. Net income from rental and other real property Debtor 1 Debtor 2

Gross receipts (before all deductions) $0.00

Ordinary and necessary operating expenses -

$0.00 -

Net monthly income from rental or other real property $0.00 Copy

here

→ $0.00

7. Interest, dividends, and royalties $0.00

Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 1

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Chapter 7 Statement of Your Current Monthly Income 10/19

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Case 19-13252-KHK Doc 18 Filed 10/17/19 Entered 10/17/19 12:15:07 Desc Main

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For you.................................................................................... $0.00

For your spouse......................................................................

Copy line 11 here →

12b.

13.

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Column A

Debtor 1

Column B

Debtor 2 or

non-filing spouse

Unemployment compensation

Do not enter the amount if you contend that the amount received was a benefit under

the Social Security Act. Instead, list it here: .................................................. ↓

8. $0.00

Pension or retirement income. Do not include any amount received that was a benefit

under the Social Security Act. Also, except as stated in the next sentence, do not include

any compensation, pension, pay, annuity, or allowance paid by the United States

Government in connection with a disability, combat-related injury or disability, or death of a

member of the uniformed services. If you received any retired pay paid under chapter 61 of

title 10, then include that pay only to the extent that it does not exceed the amount of retired

pay to which you would otherwise be entitled if retired under any provision of title 10 other

than chapter 61 of that title.

9. $0.00

Income from all other sources not listed above. Specify the source and amount. Do

not include any benefits received under the Social Security Act; payments received as a

victim of a war crime, a crime against humanity, or international or domestic terrorism;

or compensation, pension, pay, annuity, or allowance paid by the United States

Government in connection with a disability, combat-related injury or disability, or death of

a member of the uniformed services. If necessary, list other sources on a separate page

and put the total below.

10.

Total amounts from separate pages, if any. + +

Calculate your total current monthly income. Add lines 2 through 10 for each

column. Then add the total for Column A to the total for Column B.

11. $11,413.07

+

= $11,413.07

Total current

monthly income

Part 2: Determine Whether the Means Test Applies to You

12. Calculate your current monthly income for the year. Follow these steps:

12a. Copy your total current monthly income from line 11.................................................................................... $11,413.07

Multiply by 12 (the number of months in a year). X 12

12b. The result is your annual income for this part of the form. $136,956.84

13. Calculate the median family income that applies to you. Follow these steps:

Fill in the state in which you live. Virginia

Fill in the number of people in your household. 3

Fill in the median family income for your state and size of household....................................................................................................

To find a list of applicable median income amounts, go online using the link specified in the separate

instructions for this form. This list may also be available at the bankruptcy clerk's office.

$91,781.00

14. How do the lines compare?

14a. Line 12b is less than or equal to line 13. On the top of page 1, check box 1, There is no presumption of abuse.

Go to Part 3.

14b. Line 12b is more than line 13. On the top of page 1, check box 2, The presumption of abuse is determined by Form 122A-2. Go to Part

3 and fill out Form 122A–2.

Part 3: Sign Below

By signing here, I declare under penalty of perjury that the information on this statement and in any attachments is true and correct.

X /s/ Edwina D. Crable

Signature of Debtor 1

X

Signature of Debtor 2

Date 10/17/2019

MM/DD/YYYY

Date

MM/DD/YYYY

If you checked line 14a, do NOT fill out or file Form 122A–2.

Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 2

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Check the appropriate box as directed in lines 40 or

42:

According to the calculations required by this

Statement:

1. There is no presumption of abuse.

2. There is a presumption of abuse.

 Check if this is an amended filing

$11,413.07

$0.00

$0.00

$11,413.07

If you checked line 14b, fill out Form 122A–2 and file it with this form.

Fill in this information to identify your case:

Debtor 1 Edwina D. Crable

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

(if known)

19-13252

Official Form 122A-2

To fill out this form, you will need your completed copy of Chapter 7 Statement of Your Current Monthly Income (Official Form 122A-1).

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for being accurate. If more space is needed, attach a

separate sheet to this form. Include the line number to which the additional information applies. On the top of any additional pages, write your name and case

number (if known).

Part 1: Determine Your Adjusted Income

1. Copy your total current monthly income. ................................ Copy line 11 from Official From 122A-1 here →..............

2. Did you fill out Column B in Part 1 of Form 122A-1?

No. Fill in $0 for the total on line 3.

Yes. Is your spouse filing with you?

No. Go to line 3.

Yes. Fill in $0 for the total on line 3.

3. Adjust your current monthly income by subtracting any part of your spouse’s income not used to pay for the household expenses

of you or your dependents. Follow these steps:

On line 11, Column B of Form 122A–1, was any amount of the income you reported for your spouse NOT regularly used for the household

expenses of you or your dependents?

No. Fill in 0 for the total on line 3.

Yes. Fill in the information below:

State each purpose for which the income was used

For example, the income is used to pay your spouse’s tax debt or to

support people other than you or your dependents

Fill in the amount you

are subtracting from

your spouse's income

+

Total ................................................................................................. Copy total here.......→

–

4. Adjust your current monthly income. Subtract the total on line 3 from line 1.

Official Form 122A-2 Chapter 7 Means Test Calculation page 1

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Chapter 7 Means Test Calculation 04/19

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Part 2: Calculate Your Deductions from Your Income

The Internal Revenue Service (IRS) issues National and Local Standards for certain expense amounts. Use these amounts to answer the questions in lines

6-15. To find the IRS standards, go online using the link specified in the separate instructions for this form. This information may also be available at the

bankruptcy clerk’s office.

Deduct the expense amounts set out in lines 6-15 regardless of your actual expense. In later parts of the form, you will use some of your actual expenses if they are higher

than the standards. Do not deduct any amounts that you subtracted from your spouse’s income in line 3 and do not deduct any operating expenses that you subtracted from

income in lines 5 and 6 of Form 122A–1.

If your expenses differ from month to month, enter the average expense.

Whenever this part of the form refers to you, it means both you and your spouse if Column B of Form 122A–1 is filled in.

5. The number of people used in determining your deductions from income

Fill in the number of people who could be claimed as exemptions on your federal income tax return, plus the number of

any additional dependents whom you support. This number may be different from the number of people in your household. 3

National Standards You must use the IRS National Standards to answer the questions in lines 6-7.

6. Food, clothing, and other items: Using the number of people you entered in line 5 and the IRS National Standards, fill

in the dollar amount for food, clothing, and other items.

$1,446.00

7. Out-of-pocket health care allowance: Using the number of people you entered in line 5 and the IRS National Standards, fill in the dollar

amount for out-of-pocket health care. The number of people is split into two categories─people who are under 65 and people who are 65 or

older─because older people have a higher IRS allowance for health care costs. If your actual expenses are higher than this IRS amount, you

may deduct the additional amount on line 22.

People who are under 65 years of age

7a. Out-of-pocket health care allowance per person $55.00

7b. Number of people who are under 65 X 3

7c. Subtotal. Multiply line 7a by line 7b. $165.00 Copy here → $165.00

People who are 65 years of age or older

7d. Out-of-pocket health care allowance per person $114.00

7e. Number of people who are 65 or older X 0

7f. Subtotal. Multiply line 7d by line 7e. $0.00 Copy here → + $0.00

7g. Total. Add lines 7c and 7f. ..................................................................................................... $165.00 Copy total here → $165.00

Official Form 122A-2 Chapter 7 Means Test Calculation page 2

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Local Standards You must use the IRS Local Standards to answer the questions in lines 8-15.

Based on information from the IRS, the U.S. Trustee Program has divided the IRS Local Standard for housing for

bankruptcy purposes into two parts:

 Housing and utilities – Insurance and operating expenses

 Housing and utilities – Mortgage or rent expenses

To answer the questions in lines 8-9, use the U.S. Trustee Program chart. To find the chart, go online using the link

specified in the separate instructions for this form. This chart may also be available at the bankruptcy clerk’s office.

8. Housing and utilities – Insurance and operating expenses: Using the number of people you entered in line 5, fill in the dollar

amount listed for your county for insurance and operating expenses...........................................................................................

$630.00

9. Housing and utilities – Mortgage or rent expenses:

9a. Using the number of people you entered in line 5, fill in the dollar amount listed for your

county for mortgage or rent expenses..................................................................

$2,019.00

9b. Total average monthly payment for all mortgages and other debts secured by your home.

To calculate the total average monthly payment, add all amounts that are

contractually due to each secured creditor in the 60 months after you file for

bankruptcy. Then divide by 60.

Name of the creditor Average monthly

payment

Home Point Financial $1,835.00

Potomac Pointe Condo Assoc $449.79

+

Total average monthly payment $2,284.79 Copy

here →

– $2,284.79 Repeat this

amount on

line 33a.

9c. Net mortgage or rent expense.

Subtract line 9b (total average monthly payment) from line 9a (mortgage or

rent expense). If this amount is less than $0, enter $0................................................. $0.00 Copy

here → $0.00

10. If you claim that the U.S. Trustee Program’s division of the IRS Local Standard for housing is incorrect and affects

the calculation of your monthly expenses, fill in any additional amount you claim.

Explain

why:

$0.00

11. Local transportation expenses: Check the number of vehicles for which you claim an ownership or operating expense.

0. Go to line 14.

1. Go to line 12.

2 or more. Go to line 12.

12. Vehicle operation expense: Using the IRS Local Standards and the number of vehicles for which you claim the operating expenses, fill

in the Operating Costs that apply for your Census region or metropolitan statistical area.

$484.00

Official Form 122A-2 Chapter 7 Means Test Calculation page 3

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

13. Vehicle ownership or lease expense: Using the IRS Local Standards, calculate the net ownership or lease expense for each vehicle below.

You may not claim the expense if you do not make any loan or lease payments on the vehicle. In addition, you may not claim the expense for

more than two vehicles.

Vehicle 1 Describe Vehicle 1: 2018 Jeep Wrangler

13a. Ownership or leasing costs using IRS Local Standard....................................... $508.00

13b. Average monthly payment for all debts secured by Vehicle 1.

Do not include costs for leased vehicles.

To calculate the average monthly payment here and on line 13e, add

all amounts that are contractually due to each secured creditor in

the 60 months after you file for bankruptcy. Then divide by 60.

Name of each creditor for Vehicle 1 Average monthly

payment

Andrews Federal Credit Union $717.00

+

Total average monthly payment

$717.00 Copy

here → – $717.00

Repeat this

amount on

line 33b.

13c.

 

Net Vehicle 1 ownership or lease expense

Subtract line 13b from line 13a. If this number is less than $0, enter $0............. $0.00

Copy net

Vehicle 1

expense

here....→ $0.00

Vehicle 2 Describe Vehicle 2:

13d. Ownership or leasing costs using IRS Local Standard.......................................

13e. Average monthly payment for all debts secured by Vehicle 2.

Do not include costs for leased vehicles.

Name of each creditor for Vehicle 2 Average monthly

payment

+

Total average monthly payment

Copy

here → – 

Repeat this

amount on

line 33c.

13f. Net Vehicle 2 ownership or lease expense

Subtract line 13e from 13d. If this number is less than $0, enter $0.............

Copy net

Vehicle 2

expense

here....→

14. Public transportation expense: If you claimed 0 vehicles in line 11, using the IRS Local Standards, fill in the Public Transportation expense

allowance regardless of whether you use public transportation.

15. Additional public transportation expense: If you claimed 1 or more vehicles in line 11 and if you claim that you may also deduct a public

transportation expense, you may fill in what you believe is the appropriate expense, but you may not claim more than the IRS Local Standard

for Public Transportation.

$0.00

Official Form 122A-2 Chapter 7 Means Test Calculation page 4

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 Document Page 57 of 64
Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Other Necessary

Expenses

In addition to the expense deductions listed above, you are allowed your monthly expenses for the

following IRS categories.

16. Taxes:

The total monthly amount that you will actually owe for federal, state and local taxes, such as income taxes, selfemployment taxes, Social Security

taxes, and Medicare taxes. You may include the monthly amount withheld from your pay for these taxes. However, if you expect to receive a tax

refund, you must divide the expected refund by 12 and subtract that number from the total monthly amount that is withheld to pay for taxes.

Do not include real estate, sales, or use taxes.

$3,245.04

17. Involuntary deductions: The total monthly payroll deductions that your job requires, such as retirement contributions, union dues, and uniform

costs.

Do not include amounts that are not required by your job, such as voluntary 401(k) contributions or payroll savings.

$1,247.21

18. Life insurance: The total monthly premiums that you pay for your own term life insurance. If two married people are filing together, include

payments that you make for your spouse’s term life insurance. Do not include premiums for life insurance on your dependents, for a non-filing

spouse’s life insurance, or for any form of life insurance other than term.

$0.00

19. Court-ordered payments: The total monthly amount that you pay as required by the order of a court or administrative agency, such as spousal

or child support payments.

Do not include payments on past due obligations for spousal or child support. You will list these obligations in line 35.

$0.00

20. Education: The total monthly amount that you pay for education that is either required:

as a condition for your job, or

for your physically or mentally challenged dependent child if no public education is available for similar services.

$0.00

21. Childcare: The total monthly amount that you pay for childcare, such as babysitting, daycare, nursery, and preschool.

Do not include payments for any elementary or secondary school education.

$0.00

22. Additional health care expenses, excluding insurance costs:

The monthly amount that you pay for health care that is required for the health and welfare of you or your dependents and that is not reimbursed by

insurance or paid by a health savings account. Include only the amount that is more than the total entered in line 7.

Payments for health insurance or health savings accounts should be listed only in line 25.

$1,791.00

23. Optional telephones and telephone services: The total monthly amount that you pay for telecommunication services for you and your

dependents, such as pagers, call waiting, caller identification, special long distance, or business cell phone service, to the extent necessary for

your health and welfare or that of your dependents or for the production of income, if it is not reimbursed by your employer.

Do not include payments for basic home telephone, internet and cell phone service. Do not include self-employment expenses, such as those

reported on line 5 of Official Form 122A-1, or any amount you previously deducted.

+ $0.00

24. Add all of the expenses allowed under the IRS expense allowances.

Add lines 6 through 23.

$9,008.25

Official Form 122A-2 Chapter 7 Means Test Calculation page 5

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Additional Expense

Deductions

These are additional deductions allowed by the Means Test.

Note: Do not include any expense allowances listed in lines 6-24.

25. Health insurance, disability insurance, and health savings account expenses. The monthly expenses for health insurance, disability

insurance, and health savings accounts that are reasonably necessary for yourself, your spouse, or your dependents.

Health insurance $412.94

Disability insurance $0.00

Health savings account + $0.00

Total $412.94 Copy total here → .............................. $412.94

Do you actually spend this total amount?

 No. How much do you actually spend? 

 Yes

26. Continuing contributions to the care of household or family members. The actual monthly expenses that you will continue to pay for the

reasonable and necessary care and support of an elderly, chronically ill, or disabled member of your household or member of your immediate

family who is unable to pay for such expenses. These expenses may include contributions to an account of a qualified ABLE program. 26

U.S.C. § 529A(b).

$0.00

27. Protection against family violence. The reasonably necessary monthly expenses that you incur to maintain the safety of you and your family

under the Family Violence Prevention and Services Act or other federal laws that apply.

By law, the court must keep the nature of these expenses confidential.

$0.00

28. Additional home energy costs. Your home energy costs are included in your insurance and operating expenses on line 8.

If you believe that you have home energy costs that are more than the home energy costs included in expenses on line 8, then fill in the excess

amount of home energy costs.

You must give your case trustee documentation of your actual expenses, and you must show that the additional amount claimed is reasonable and

necessary.

$0.00

29. Education expenses for dependent children who are younger than 18. The monthly expenses (not more than $170.83* per child) that you pay

for your dependent children who are younger than 18 years old to attend a private or public elementary or secondary school.

You must give your case trustee documentation of your actual expenses, and you must explain why the amount claimed is reasonable and

necessary and not already accounted for in lines 6-23.

* Subject to adjustment on 4/01/22, and every 3 years after that for cases begun on or after the date of adjustment.

$0.00

30. Additional food and clothing expense. The monthly amount by which your actual food and clothing expenses are higher than the combined

food and clothing allowances in the IRS National Standards. That amount cannot be more than 5% of the food and clothing allowances in the IRS

National Standards.

To find a chart showing the maximum additional allowance, go online using the link specified in the separate instructions for this form. This chart

may also be available at the bankruptcy clerk’s office.

You must show that the additional amount claimed is reasonable and necessary.

$48.00

31. Continuing charitable contributions. The amount that you will continue to contribute in the form of cash or financial instruments to a religious

or charitable organization. 126 U.S.C. § 170(c)(1)-(2).

+ $0.00

32. Add all of the additional expense deductions.

Add lines 25 through 31.

$460.94

Official Form 122A-2 Chapter 7 Means Test Calculation page 6

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

Deductions for Debt Payment

33. For debts that are secured by an interest in property that you own, including home mortgages, vehicle loans, and other

secured debt, fill in lines 33a through 33e.

To calculate the total average monthly payment, add all amounts that are contractually due to each secured creditor in the 60

months after you file for bankruptcy. Then divide by 60.

Average monthly

payment

Mortgages on your home

33a. Copy line 9b here .....................................................................................................→ $2,284.79

Loans on your first two vehicles

33b. Copy line 13b here ..................................................................................................→ $717.00

33c. Copy line 13e here ..................................................................................................→

33d. List other secured debts:

Name of each creditor for other

secured debt

Identify property that secures the debt Does payment

include taxes

or insurance?

No

Yes

No

Yes

No

Yes

+

33e. Total average monthly payment. Add lines 33a through 33d. ................................... $3,001.79

Copy total

here→ $3,001.79

34. Are any debts that you listed in line 33 secured by your primary residence, a vehicle, or other property necessary for your support or the

support of your dependents?

No. Go to line 35.

Yes. State any amount that you must pay to a creditor, in addition to the payments listed in line 33, to keep possession of your

property (called the cure amount). Next, divide by 60 and fill in the information below.

Name of the creditor Identify property that

secures the debt

Total cure

amount

Monthly cure

amount

÷ 60 =

÷ 60 =

÷ 60 = + 

Total $0.00 Copy total

here→

$0.00

35. Do you owe any priority claims such as a priority tax, child support, or alimony—

that are past due as of the filing date of your bankruptcy case? 11 U.S.C. § 507.

No. Go to line 36.

Yes. Fill in the total amount of all of these priority claims. Do not include current or ongoing priority claims, such as those you

listed in line 19.

Total amount of all past-due priority claims.................................................................. ÷ 60 ≡

Official Form 122A-2 Chapter 7 Means Test Calculation page 7

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Total deductions

Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

36. Are you eligible to file a case under Chapter 13? 11 U.S.C. § 109(e).

For more information, go online using the link for Bankruptcy Basics specified in the separate

instructions for this form. Bankruptcy Basics may also be available at the bankruptcy clerk’s office.

 No. Go to line 37.

 Yes. Fill in the following information.

Projected monthly plan payment if you were filing under Chapter 13

Current multiplier for your district as stated on the list issued by the

Administrative Office of the United States Courts (for districts in Alabama and

North Carolina) or by the Executive Office for United States Trustees (for all

other districts). X

To find a list of district multipliers that includes your district, go online using the

link specified in the separate instructions for this form. This list may also be

available at the bankruptcy clerk’s office.

Average monthly administrative expense if you were filing under Chapter 13 Copy total

here →

37. Add all of the deductions for debt payment.

Add lines 33e through 36................................................................................................................................................................. $3,001.79

Total Deductions from Income

38. Add all of the allowed deductions.

Copy line 24, All of the expenses allowed under IRS

expense allowances .............................................................

$9,008.25

Copy line 32, All of the additional expense deductions ......... $460.94

Copy line 37, All of the deductions for debt payment .............. + $3,001.79

$12,470.98 Copy total here........................... → $12,470.98

Part 3: Determine Whether There Is a Presumption of Abuse

39. Calculate monthly disposable income for 60 months

39a. Copy line 4, adjusted current monthly income ..... $11,413.07

39b. Copy line 38, Total deductions.......... – $12,470.98

39c. Monthly disposable income. 11 U.S.C. § 707(b)(2).

Subtract line 39b from line 39a.

($1,057.91) Copy

here → ($1,057.91)

For the next 60 months (5 years) ........................................................................................ x 60

39d. Total. Multiply line 39c by 60. .............................................................................................. ($63,474.60) Copy

here →

($63,474.60)

40. Find out whether there is a presumption of abuse. Check the box that applies:

The line 39d is less than $8,175.00*. On the top of page 1 of this form, check box 1, There is no presumption of abuse. Go

to Part 5.

The line 39d is more than $13,650.00*. On the top of page 1 of this form, check box 2, There is a presumption of abuse. You

may fill out Part 4 if you claim special circumstances. Then go to Part 5.

The line 39d is at least $8,175.00*, but not more than $13,650.00*. Go to line 41.

* Subject to adjustment on 4/01/22, and every 3 years after that for cases filed on or after the date of adjustment

Official Form 122A-2 Chapter 7 Means Test Calculation page 8

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Debtor 1 Edwina D. Crable

First Name Middle Name Last Name

Case number (if known) 19-13252

41. 41a. Fill in the amount of your total nonpriority unsecured debt. If you filled out A

Summary of Your Assets and Liabilities and Certain Statistical Information Schedules

(Official Form 106Sum), you may refer to line 3b on that form...........................................

x .25

41b. 25% of your total nonpriority unsecured debt. 11 U.S.C. § 707(b)(2)(A)(i)(I).

Multiply line 41a by 0.25. Copy

here →

42. Determine whether the income you have left over after subtracting all allowed deductions

is enough to pay 25% of your unsecured, nonpriority debt.

Check the box that applies:

Line 39d is less than line 41b. On the top of page 1 of this form, check box 1, There is no presumption of abuse.

Go to Part 5.

Line 39d is equal to or more than line 41b. On the top of page 1 of this form, check box 2, There is a presumption

of abuse. You may fill out Part 4 if you claim special circumstances. Then go to Part 5.

Part 4: Give Details about Special Circumstances

43. Do you have any special circumstances that justify additional expenses or adjustments of current monthly income for which there is no

reasonable alternative? 11 U.S.C. § 707(b)(2)(B).

 No. Go to part 5.

 Yes. Fill in the following information. All figures should reflect your average monthly expense or income adjustment for each item. You may

include expenses you listed in line 25.

You must give a detailed explanation of the special circumstances that make the expenses or income adjustments necessary and

reasonable. You must also give your case trustee documentation of your actual expenses or income adjustments.

Give a detailed explanation of the special circumstances Average monthly expense

or income adjustment

Part 5: Sign Below

By signing here, I declare under penalty of perjury that the information on this statement and in any attachments is true and correct.

X /s/ Edwina D. Crable

Signature of Debtor 1

X

Signature of Debtor 2

Date 10/17/2019

MM/DD/YYYY

Date

MM/DD/YYYY

Official Form 122A-2 Chapter 7 Means Test Calculation page 9

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B2030 (Form 2030)(12/15)

United States Bankruptcy Court

Eastern District of Virginia

In re

Crable, Edwina D.

Debtor(s)

Case No. 19-13252

Chapter 7

AMENDED

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR

1. Pursuant to 11 U .S.C. § 329(a) and Fed. Bankr. P. 2016(b), I certify that I am the attorney for the above named debtor(s) and that

compensation paid to me within one year before the filing of the petition in bankruptcy, or agreed to be paid to me, for services

rendered or to be rendered on behalf of the debtor(s) in contemplation of or in connection with the bankruptcy case is as follows:

For legal services, I have agreed to accept . . . . . . . . . . . . . . . . . . . . . . . . $4,285.00

Prior to the filing of this statement I have received . . . . . . . . . . . . . . . . . . $4,285.00

Balance Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

2. The source of the compensation to be paid to me was:

 Debtor Other (specify)

3. The source of compensation to be paid to me is:

 Debtor Other (specify)

4. I have not agreed to share the above-disclosed compensation with any other person unless they are members and associates

of my law firm.

I have agreed to share the above-disclosed compensation with another person or persons who are not members or associates

of my law firm. A copy of the agreement, together with a list of the names of the people sharing in the compensation, is attached.

5. In return for the above-disclosed fee, I have agreed to render legal service for all aspects of the bankruptcy case, including:

a. Analysis of the debtor' s financial situation, and rendering advice to the debtor in determining whether to file a petition in

bankruptcy;

b. Preparation and filing of any petition, schedules, statements of affairs and plan which may be required;

c. Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearings thereof;

6. By agreement with the debtor(s), the above-disclosed fee does not include the following services:

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CERTIFICATION

I certify that the foregoing is a complete statement of any agreement or arrangement for

payment to me for representation of the debtor(s) in this bankruptcy proceeding.

10/17/2019

Date

/s/ Robert R. Weed

Signature of Attorney

Robert R. Weed

Bar Number: 24646

Law Offices Of Robert Weed

1376 Old Bridge Rd. Ste 101-4

Woodbridge, VA 22192

Phone: (703) 335-7793

Law Offices Of Robert Weed

Name of law firm

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