Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 106Sum

Summary of Your Assets and Liabilities and Certain Statistical Information 12/15

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................................................................................................ $ 0.00

1b. Copy line 62, Total personal property, from Schedule A/B..................................................................................... $ 4,763.21

1c. Copy line 63, Total of all property on Schedule A/B............................................................................................... $ 4,763.21

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... $ 0.00

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................................. $ 0.00

3b. Copy the total claims from Part 2 (nonpriority unsecured claims) from line 6j of Schedule E/F............................ $ 67,327.00

Your total liabilities $ 67,327.00

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................................................................................ $ 2,938.69

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

Copy your monthly expenses from line 22c of Schedule J.......................................................................... $ 3,031.00

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.

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

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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. $ 3,435.69

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.) $ 32,078.00

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. $ 32,078.00

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

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Document Page 2 of 63
Fill in this information to identify your case and this filing:

Debtor 1 Deneen Latrice Hill

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 19-34093  Check if this is an

amended filing

Official Form 106A/B

Schedule A/B: Property 12/15

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?

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

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.............................................................................=> $0.00

Part 3: Describe Your Personal and Household Items

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.

6. Household goods and furnishings

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

 No

 Yes. Describe.....

Furniture $1,750.00

7. 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

 No

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

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Document Page 3 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

 Yes. Describe.....

3 TVs; 1 Computer; 1 cell phone $1,000.00

8. 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

 No

 Yes. Describe.....

9. 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

 No

 Yes. Describe.....

10. Firearms

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

 No

 Yes. Describe.....

11. Clothes

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

 No

 Yes. Describe.....

Clothing $800.00

12. Jewelry

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

 No

 Yes. Describe.....

13. Non-farm animals

Examples: Dogs, cats, birds, horses

 No

 Yes. Describe.....

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

 No

 Yes. Give specific information.....

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 .............................................................................. $3,550.00

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 $40.00

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

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

17. 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.

 No

 Yes........................ Institution name:

17.1. Checking Bank of America $1,173.21

18. Bonds, mutual funds, or publicly traded stocks

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

 No

 Yes.................. Institution or issuer name:

19. Non-publicly traded stock and interests in incorporated and unincorporated businesses, including an interest in an LLC, partnership, and

joint venture

 No

 Yes. Give specific information about them...................

Name of entity: % of ownership:

20. 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.

 No

 Yes. Give specific information about them

Issuer name:

21. Retirement or pension accounts

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

 No

 Yes. List each account separately.

Type of account: Institution name:

22. 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

 No

 Yes. ..................... Institution name or individual:

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

 No

 Yes............. Issuer name and description.

24. 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).

 No

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

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

 No

 Yes. Give specific information about them...

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

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

 No

 Yes. Give specific information about them...

27. Licenses, franchises, and other general intangibles

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

 No

 Yes. Give specific information about them...

Money or property owed to you? Current value of the

portion you own?

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

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Document Page 5 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

Do not deduct secured

claims or exemptions.

28. Tax refunds owed to you

 No

 Yes. Give specific information about them, including whether you already filed the returns and the tax years.......

29. Family support

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

 No

 Yes. Give specific information......

30. 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

 No

 Yes. Give specific information..

31. Interests in insurance policies

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

 No

 Yes. Name the insurance company of each policy and list its value.

Company name: Beneficiary: Surrender or refund

value:

32. 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.

 No

 Yes. Give specific information..

33. 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

 No

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

34. Other contingent and unliquidated claims of every nature, including counterclaims of the debtor and rights to set off claims

 No

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

35. Any financial assets you did not already list

 No

 Yes. Give specific information..

36. 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..................................................................................................................... $1,213.21

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.

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.

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

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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

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

Examples: Season tickets, country club membership

 No

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

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 ...................................................................................................................... $0.00

56. Part 2: Total vehicles, line 5 $0.00

57. Part 3: Total personal and household items, line 15 $3,550.00

58. Part 4: Total financial assets, line 36 $1,213.21

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

62. Total personal property. Add lines 56 through 61... $4,763.21 Copy personal property total $4,763.21

63. Total of all property on Schedule A/B. Add line 55 + line 62 $4,763.21

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

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Document Page 7 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 106C

Schedule C: The Property You Claim as Exempt 4/19

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

Furniture

Line from Schedule A/B: 6.1

$1,750.00  $1,750.00 Va. Code Ann. § 34-26(4a)

 100% of fair market value, up to

any applicable statutory limit

3 TVs; 1 Computer; 1 cell phone

Line from Schedule A/B: 7.1

$1,000.00  $1,000.00 Va. Code Ann. § 34-26(4a)

 100% of fair market value, up to

any applicable statutory limit

Clothing

Line from Schedule A/B: 11.1

$800.00  $800.00 Va. Code Ann. § 34-26(4)

 100% of fair market value, up to

any applicable statutory limit

Cash

Line from Schedule A/B: 16.1

$40.00  $40.00 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Checking: Bank of America

Line from Schedule A/B: 17.1

$1,173.21  $1,173.21 Va. Code Ann. § 34-4

 100% of fair market value, up to

any applicable statutory limit

Official Form 106C Schedule C: The Property You Claim as Exempt page 1 of 2

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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 2 of 2

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Document Page 9 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 106D

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

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

is needed, 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.

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

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 10 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 106E/F

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

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 Have 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. If you have no information to report in a Part, do not file that Part. 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.

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 CJW Medical Center Last 4 digits of account number $350.00

Nonpriority Creditor's Name

PO BOX 743485

Atlanta, GA 30374

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 1 of 12

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.2 Credit Collections Last 4 digits of account number 8583 $235.00

Nonpriority Creditor's Name

P.O. Box 60607

Oklahoma City, OK 73146

When was the debt incurred? 2015

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

4.3 Credit Control Corporation Last 4 digits of account number 4732 $825.00

Nonpriority Creditor's Name

P.O. Box 120568

Newport News, VA 23612

When was the debt incurred? 2011

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

4.4 ERC/Enhanced Recovery Corp Last 4 digits of account number 6303 $1,162.00

Nonpriority Creditor's Name

Attn: Bankruptcy

8014 Bayberry Road

Jacksonville, FL 32256

When was the debt incurred? Opened 12/18

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Collection Attorney Comcast Cable

Communications

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 2 of 12

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.5 FedLoan Servicing Last 4 digits of account number 0002 $8,908.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 69184

Harrisburg, PA 17106

When was the debt incurred?

Opened 11/12 Last Active

6/30/19

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Educational

4.6 FedLoan Servicing Last 4 digits of account number 0004 $7,358.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 69184

Harrisburg, PA 17106

When was the debt incurred?

Opened 11/13 Last Active

6/30/19

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Educational

4.7 FedLoan Servicing Last 4 digits of account number 0003 $4,157.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 69184

Harrisburg, PA 17106

When was the debt incurred?

Opened 11/13 Last Active

6/30/19

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Educational

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 3 of 12

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 13 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.8 FedLoan Servicing Last 4 digits of account number 0001 $4,076.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 69184

Harrisburg, PA 17106

When was the debt incurred?

Opened 11/12 Last Active

6/30/19

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Educational

4.9 FedLoan Servicing Last 4 digits of account number 0007 $3,690.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 69184

Harrisburg, PA 17106

When was the debt incurred?

Opened 10/14 Last Active

6/30/19

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Educational

4.1

0 FedLoan Servicing Last 4 digits of account number 0006 $2,702.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 69184

Harrisburg, PA 17106

When was the debt incurred?

Opened 10/14 Last Active

6/30/19

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Educational

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 4 of 12

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 14 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.1

1 FedLoan Servicing Last 4 digits of account number 0005 $1,187.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 69184

Harrisburg, PA 17106

When was the debt incurred?

Opened 12/13 Last Active

6/30/19

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Educational

4.1

2 First National Collection Last 4 digits of account number $1,000.00

Nonpriority Creditor's Name

610 Waltham Way

Sparks, NV 89434

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Consumer Debt

4.1

3 First PREMIER Bank Last 4 digits of account number 3081 $383.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 5524

Sioux Falls, SD 57117

When was the debt incurred?

Opened 12/13 Last Active

04/14

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Credit Card

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 5 of 12

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Document Page 15 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.1

4 Focused Recovery Last 4 digits of account number 2380 $125.00

Nonpriority Creditor's Name

9701 Metropolitan Ct.

Suite B

Richmond, VA 23236

When was the debt incurred? 2013

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

4.1

5 Global Lending Services LLC Last 4 digits of account number 2785 $23,821.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 10437

Greenville, SC 29603

When was the debt incurred?

Opened 08/15 Last Active

10/09/18

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Automobile

4.1

6

I C System Inc Last 4 digits of account number 3895 $512.00

Nonpriority Creditor's Name

Attn: Bankruptcy

Po Box 64378

St Paul, MN 55164

When was the debt incurred? Opened 01/17

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Collection Attorney Banfield Pet Hospital

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 6 of 12

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 16 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.1

7 Jefferson Capital Systems, LLC Last 4 digits of account number 7003 $411.00

Nonpriority Creditor's Name

Po Box 1999

Saint Cloud, MN 56302

When was the debt incurred?

Opened 11/18 Last Active

08/15

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Factoring Company Account First Access

Card

4.1

8 MCV Collection Department Last 4 digits of account number $412.00

Nonpriority Creditor's Name

PO Box 980462

Richmond, VA 23298

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

4.1

9 MCV Physicians Last 4 digits of account number $122.00

Nonpriority Creditor's Name

PO Box 91747

Richmond, VA 23219

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 7 of 12

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 17 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.2

0 Mid America Bank & Trust Last 4 digits of account number 6406 $412.00

Nonpriority Creditor's Name

5109 S Broadband Ln

Sioux Falls, SD 57108

When was the debt incurred? 2016

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Credit Card

4.2

1 Ortho Virginia Last 4 digits of account number $300.00

Nonpriority Creditor's Name

PO Box 35725

Richmond, VA 23235

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical Debt

4.2

2 Patient First Last 4 digits of account number $644.00

Nonpriority Creditor's Name

P.O. Box 758941

Baltimore, MD 21275

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 8 of 12

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 18 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.2

3 Payments MD Last 4 digits of account number $790.00

Nonpriority Creditor's Name

5665 New Northside Dr

Suite 330

Atlanta, GA 30328

When was the debt incurred? 2015

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

4.2

4 Radiology Assoc. of Richmond Last 4 digits of account number $40.00

Nonpriority Creditor's Name

2602 Buford Road

Richmond, VA 23225

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

4.2

5 Receivable Management Inc Last 4 digits of account number 5964 $352.00

Nonpriority Creditor's Name

7206 Hull Rd

Ste 211

Richmond, VA 23235

When was the debt incurred?

Opened 10/17 Last Active

04/17

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Collection Attorney Patient First

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 9 of 12

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 19 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.2

6 Resident Data Collection Last 4 digits of account number 31N1 $1,568.00

Nonpriority Creditor's Name

PO Box 515489

Dallas, TX 75251

When was the debt incurred? 2012

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Collection Attorney Riverview

4.2

7 Riverview Limited Partnership Last 4 digits of account number $725.00

Nonpriority Creditor's Name

11504 Allecingie Pkwy

Suite 100

Richmond, VA 23235

When was the debt incurred? 2012

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Consumer Debt

4.2

8 Surgical Specialists of Rich. Last 4 digits of account number $946.00

Nonpriority Creditor's Name

PO Box 843356

Boston, MA 02284

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Medical

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 10 of 12

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 20 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

4.2

9 T-Mobile Last 4 digits of account number $74.00

Nonpriority Creditor's Name

PO Box 742596

Cincinnati, OH 45274

When was the debt incurred?

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify Consumer Debt

4.3

0 Unique National Collections Last 4 digits of account number 7767 $40.00

Nonpriority Creditor's Name

119 E. Maple Street

Jeffersonville, IN 47130

When was the debt incurred? 2015

Number Street City State Zip Code As of the date you file, the claim is: Check all that apply

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

 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

 Yes  Other. Specify

Collection Attorney Petersburg Public

Library

Part 3: List Others to Be Notified About a Debt That You Already Listed

5. Use this page only if you have others to be notified about your bankruptcy, for a debt that you already listed in Parts 1 or 2. For example, if a collection agency

is trying to collect from you for a debt you owe to someone else, list the original creditor in Parts 1 or 2, then list the collection agency here. Similarly, if you

have more than one creditor for any of the debts that you listed in Parts 1 or 2, list the additional creditors here. If you do not have additional persons to be

notified for any debts in Parts 1 or 2, do not fill out or submit this page.

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

American Infosource LP

PO Box 248848

Oklahoma City, OK 73124

Line 4.29 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Gilliam & Evans, PLC

PO Box 845

Chesterfield, VA 23832

Line 4.28 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

James River Emergency Group

Mailstop 43809623

PO BOX 660827

Dallas, TX 75266

Line 4.23 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

NPAS

PO BOX 99400

Line 4.1 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 11 of 12

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 21 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

Louisville, KY 40269  Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number

Name and Address On which entry in Part 1 or Part 2 did you list the original creditor?

Receivable Management Systems

7206 Hull Street Road

Ste 211

Richmond, VA 23235

Line 4.22 of (Check one):  Part 1: Creditors with Priority Unsecured Claims

 Part 2: Creditors with Nonpriority Unsecured Claims

Last 4 digits of account number

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

6a. Domestic support obligations 6a. $ 0.00

Total

claims

from Part 1 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 Priority. Add lines 6a through 6d. 6e. $ 0.00

Total Claim

6f. Student loans 6f. $ 32,078.00

Total

claims

from Part 2 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.

$ 35,249.00

6j. Total Nonpriority. Add lines 6f through 6i. 6j. $ 67,327.00

Official Form 106 E/F Schedule E/F: Creditors Who Have Unsecured Claims Page 12 of 12

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 22 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 106G

Schedule G: Executory Contracts and Unexpired Leases 12/15

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

information. If more space is needed, 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 contacts of leases are listed on Schedule A/B:Property (Official Form 106 A/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

Name, Number, Street, City, State and ZIP Code

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

2.5

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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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 23 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 106H

Schedule H: Your Codebtors 12/15

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?

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

Name, Number, Street, City, State and ZIP Code

Column 2: The creditor to whom you owe the debt

Check all schedules that apply:

3.1  Schedule D, line

Name  Schedule E/F, line

 Schedule G, line

Number Street

City State ZIP Code

3.2  Schedule D, line

Name  Schedule E/F, line

 Schedule G, line

Number Street

City State ZIP Code

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

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 24 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 19-34093 Check if this is:

(If known)  An amended filing

 A supplement showing postpetition chapter

13 income as of the following date:

Official Form 106I MM / DD/ YYYY

Schedule I: Your Income 12/15

Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for

supplying correct information. If you are married and not filing jointly, and your spouse is living with you, include information about your

spouse. If you are separated and your spouse is not filing with you, do not include information about your spouse. If more space is needed,

attach a separate sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,

attach a separate page with

information about additional

employers.

Include part-time, seasonal, or

self-employed work.

Occupation may include student

or homemaker, if it applies.

Employment status

 Employed

 Not employed

 Employed

 Not employed

Occupation Nurse

Employer's name Mediko PC

Employer's address 3900 Westerre Parkway

Suite 302

Henrico, VA 23233

How long employed there? 2 months

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. $ 3,816.58 $ N/A

3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ N/A

4. Calculate gross Income. Add line 2 + line 3. 4. $ 3,816.58 $ N/A

Official Form 106I Schedule I: Your Income page 1

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Document Page 25 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 3,816.58 $ N/A

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 826.04 $ N/A

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ N/A

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ N/A

5d. Required repayments of retirement fund loans 5d. $ 0.00 $ N/A

5e. Insurance 5e. $ 51.85 $ N/A

5f. Domestic support obligations 5f. $ 0.00 $ N/A

5g. Union dues 5g. $ 0.00 $ N/A

5h. Other deductions. Specify: 5h.+ $ 0.00 + $ N/A

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 877.89 $ N/A

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 2,938.69 $ N/A

8. List all other income regularly received:

8a. Net income from rental property and from operating a business,

profession, or farm

Attach a statement for each property and business showing gross

receipts, ordinary and necessary business expenses, and the total

monthly net income. 8a. $ 0.00 $ N/A

8b. Interest and dividends 8b. $ 0.00 $ N/A

8c. Family support payments that you, a non-filing spouse, or a dependent

regularly receive

Include alimony, spousal support, child support, maintenance, divorce

settlement, and property settlement. 8c. $ 0.00 $ N/A

8d. Unemployment compensation 8d. $ 0.00 $ N/A

8e. Social Security 8e. $ 0.00 $ N/A

8f. Other government assistance that you regularly receive

Include cash assistance and the value (if known) of any non-cash assistance

that you receive, such as food stamps (benefits under the Supplemental

Nutrition Assistance Program) or housing subsidies.

Specify: 8f. $ 0.00 $ N/A

8g. Pension or retirement income 8g. $ 0.00 $ N/A

8h. Other monthly income. Specify: 8h.+ $ 0.00 + $ N/A

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

10. Calculate monthly income. Add line 7 + line 9. 10. $ 2,938.69 + $ N/A = $ 2,938.69

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

11. State all other regular contributions to the expenses that you list in Schedule J.

Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and

other friends or relatives.

Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.

Specify: 11. +$ 0.00

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

12. $ 2,938.69

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

applies

Combined

monthly income

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

 No.

 Yes. Explain:

Official Form 106I Schedule I: Your Income page 2

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 26 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill Check if this is:

 An amended filing

Debtor 2  A supplement showing postpetition chapter

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

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

Case number 19-34093

(If known)

Official Form 106J

Schedule J: Your Expenses 12/15

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

information. If more space is needed, attach another sheet to this form. On the top of any additional pages, write your name and case

number (if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

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

2. Do you have dependents?  No

Do not list Debtor 1 and

Debtor 2.

 Yes. Fill out this information for

each dependent..............

Dependent’s relationship to

Debtor 1 or Debtor 2

Dependent’s

age

Does dependent

live with you?

Do not state the

dependents names. Son 15

 No

 Yes

 No

 Yes

 No

 Yes

 No

 Yes

3. Do your expenses include

expenses of people other than

yourself and your dependents?

 No

 Yes

Part 2: Estimate Your Ongoing Monthly Expenses

Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report

expenses as of a date after the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the

applicable date.

Include expenses paid for with non-cash government assistance if you know

the value of such assistance and have included it on Schedule I: Your Income

(Official Form 106I.) Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage

payments and any rent for the ground or lot. 4. $ 1,711.00

If not included in line 4:

4a. Real estate taxes 4a. $ 0.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 0.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 50.00

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

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

Official Form 106J Schedule J: Your Expenses page 1

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Document Page 27 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 150.00

6b. Water, sewer, garbage collection 6b. $ 120.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 380.00

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

7. Food and housekeeping supplies 7. $ 300.00

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

9. Clothing, laundry, and dry cleaning 9. $ 20.00

10. Personal care products and services 10. $ 25.00

11. Medical and dental expenses 11. $ 25.00

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

Do not include car payments. 12. $ 200.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 50.00

14. Charitable contributions and religious donations 14. $ 0.00

15. Insurance.

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

15a. Life insurance 15a. $ 0.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 0.00

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

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

Specify: 16. $ 0.00

17. Installment or lease payments:

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

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

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

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

18. Your payments of alimony, maintenance, and support that you did not report as

deducted from your pay on line 5, Schedule I, Your Income (Official Form 106I). 18. $ 0.00

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

Specify: 19.

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.

20a. Mortgages on other property 20a. $ 0.00

20b. Real estate taxes 20b. $ 0.00

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

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

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

21. Other: Specify: 21. +$ 0.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 3,031.00

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

22c. Add line 22a and 22b. The result is your monthly expenses. $ 3,031.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 2,938.69

23b. Copy your monthly expenses from line 22c above. 23b. -$ 3,031.00

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

The result is your monthly net income. 23c. $ -92.31

24. Do you expect an increase or decrease in your expenses within the year after you file this form?

For example, do you expect to finish paying for your car loan within the year or do you expect your mortgage payment to increase or decrease because of a

modification to the terms of your mortgage?

 No.

 Yes. Explain here:

Official Form 106J Schedule J: Your Expenses page 2

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 28 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 106Dec

Declaration About an Individual Debtor's Schedules 12/15

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

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

obtaining money or property by fraud in connection with a bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20

years, or both. 18 U.S.C. §§ 152, 1341, 1519, and 3571.

Sign Below

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

 No

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

Declaration, and Signature (Official Form 119)

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

that they are true and correct.

X /s/ Deneen Latrice Hill X

Deneen Latrice Hill Signature of Debtor 2

Signature of Debtor 1

Date September 3, 2019 Date

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

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 29 of 63
Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 107

Statement of Financial Affairs for Individuals Filing for Bankruptcy 4/19

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 Prior Address: Dates Debtor 1

lived there

Debtor 2 Prior Address: Dates Debtor 2

lived there

15072 Broadwater Way

Chester, VA 23831

From-To:

2012 - 03/2018

 Same as Debtor 1  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).

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

$26,422.27  Wages, commissions,

bonuses, tips

 Operating a business

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

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Document Page 30 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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)

For last calendar year:

(January 1 to December 31, 2018 )

 Wages, commissions,

bonuses, tips

 Operating a business

$58,782.00  Wages, commissions,

bonuses, tips

 Operating a business

For the calendar year before that:

(January 1 to December 31, 2017 )

 Wages, commissions,

bonuses, tips

 Operating a business

$44,447.00  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.

List each source and the gross income from each source separately. Do not include income that you listed in line 4.

 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

(before deductions

and exclusions)

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.

Creditor's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Was this payment for ...

MCV Collection Department

PO Box 980462

Richmond, VA 23298

05/2019 $700.00 Unknown  Mortgage

 Car

 Credit Card

 Loan Repayment

 Suppliers or vendors

 Other Medical Debt 

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

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Document Page 31 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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.

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Reason for this payment

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 to an insider

Insider's Name and Address Dates of payment Total amount

paid

Amount you

still owe

Reason for this payment

Include creditor's name

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.

Case title

Case number

Nature of the case Court or agency Status of the case

OrthoVirginia v. Deneen Hill

GV19009479-00

Warrant in Debt Chesterfield General

District

P. O. Box 144

Chesterfield, VA 23832

 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.

Creditor Name and Address Describe the Property

Explain what happened

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 Name and Address Describe the action the creditor took 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

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

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 32 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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.

Gifts with a total value of more than $600

per person

Person to Whom You Gave the Gift and

Address:

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

Address (Number, Street, City, State and ZIP Code)

Describe what you contributed Dates 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

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.

Person Who Was Paid

Address

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

Throop Law P.C.

530 E Main Street STE 1020

Richmond, VA 23219

stephen@throoplaw.com

Filing Fee, Credit Report 08/07/2019 $375.00

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

Address

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 4

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Case 19-34093-KLP Doc 15 Filed 09/03/19 Entered 09/03/19 18:56:28 Desc Main

Document Page 33 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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.

Person Who Received Transfer

Address

Person's relationship to you

Description and value of

property transferred

Describe any property or

payments received or debts

paid in exchange

Date transfer was

made

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 of 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.

Name of Financial Institution and

Address (Number, Street, City, State and ZIP

Code)

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

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.

Name of Financial Institution

Address (Number, Street, City, State and ZIP Code)

Who else had access to it?

Address (Number, Street, City,

State and ZIP Code)

Describe the contents Do you still

have it?

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.

Name of Storage Facility

Address (Number, Street, City, State and ZIP Code)

Who else has or had access

to it?

Address (Number, Street, City,

State and ZIP Code)

Describe the contents Do you still

have it?

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.

Owner's Name

Address (Number, Street, City, State and ZIP Code)

Where is the property?

(Number, Street, City, State and ZIP

Code)

Describe the property Value

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

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

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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.

Name of site

Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

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

 No

 Yes. Fill in the details.

Name of site

Address (Number, Street, City, State and ZIP Code)

Governmental unit

Address (Number, Street, City, State and

ZIP Code)

Environmental law, if you

know it

Date of notice

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.

Case Title

Case Number

Court or agency

Name

Address (Number, Street, City,

State and ZIP Code)

Nature of the case Status of the

case

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.

Business Name

Address

(Number, Street, City, State and ZIP Code)

Describe the nature of the business

Name of accountant or bookkeeper

Employer Identification number

Do not include Social Security number or ITIN.

Dates business existed

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.

Name

Address

(Number, Street, City, State and ZIP Code)

Date Issued

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

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

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

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/ Deneen Latrice Hill

Deneen Latrice Hill Signature of Debtor 2

Signature of Debtor 1

Date September 3, 2019 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).

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

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Fill in this information to identify your case:

Debtor 1 Deneen Latrice Hill

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 19-34093

(if known)  Check if this is an

amended filing

Official Form 108

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

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

 creditors have claims secured by your property, or

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

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

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

on the form

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

sign and date the form.

Be as complete and accurate as possible. If more space is needed, attach a separate sheet to this form. On the top of any additional pages,

write your name and case number (if known).

Part 1: List Your Creditors Who Have Secured Claims

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

information below.

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

secures a debt?

Did you claim the property

as exempt on Schedule C?

Creditor's  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of Reaffirmation Agreement.

property  Retain the property and [explain]:

securing debt:

Creditor's  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of Reaffirmation Agreement.

property  Retain the property and [explain]:

securing debt:

Creditor's  Surrender the property.  No

 Yes

name:  Retain the property and redeem it.

 Retain the property and enter into a

Description of Reaffirmation Agreement.

property  Retain the property and [explain]:

securing debt:

Creditor's  Surrender the property.  No

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

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Document Page 37 of 63
Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

name:  Retain the property and redeem it.  Yes

 Retain the property and enter into a

Description of Reaffirmation Agreement.

property  Retain the property and [explain]:

securing debt:

Part 2: List Your Unexpired Personal Property Leases

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

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

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

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

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Lessor's name:  No

 Yes

Description of leased

Property:

Part 3: Sign Below

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

property that is subject to an unexpired lease.

X /s/ Deneen Latrice Hill X

Deneen Latrice Hill Signature of Debtor 2

Signature of Debtor 1

Date September 3, 2019 Date

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

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Document Page 38 of 63
United States Bankruptcy Court

Eastern District of Virginia

In re Deneen Latrice Hill Case No. 19-34093

Debtor(s) Chapter 7

DISCLOSURE OF COMPENSATION OF ATTORNEY FOR DEBTOR

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

compensation 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 $ 2,400.00

Prior to the filing of this statement I have received $ 0.00

Balance Due $ 2,400.00

2. The source of the compensation 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 a 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. 25% of all fees collected

shared with National Access

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, statement 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;

d. Other provisions as needed:

Negotiations with secured creditors to reduce to market value; exemption planning; preparation and filing of

reaffirmation agreements and applications as needed; preparation and filing of motions pursuant to 11 USC

522(f)(2)(A) for avoidance of liens on household goods.

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

Representation of the debtors in any dischargeability actions, judicial lien avoidances, relief from stay actions or

any other adversary proceeding.

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Document Page 39 of 63
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.

September 3, 2019 /s/ Stephen Leigh Flores

Date Stephen Leigh Flores 92900

Signature of Attorney

Throop Law P.C.

Name of Law Firm

530 E Main Street STE 1020

Richmond, VA 23219

804-299-5222 Fax: 804-299-5202

For use in Chapter 13 Cases where Fees Requested Not in Excess of $5,296

(For all Cases Filed on or after 01/01/2019)

NOTICE TO DEBTOR(S), STANDING CHAPTER 13 TRUSTEE AND UNITED

STATES TRUSTEE

PURSUANT TO LOCAL BANKRUPTCY RULE 2016-1(C) AND

CLERK’S CM/ECF POLICY 9

Notice is hereby given that pursuant to Local Bankruptcy Rule 2016-1(C), you must file an objection with the court to the fees requested

in this disclosure of compensation opposing said fees in their entirety, or in a specific amount, no later than the last day for filing objections to

confirmation of the chapter 13 plan.

PROOF OF SERVICE

The undersigned hereby certifies that on this date the foregoing Notice was served upon the debtor(s), the standing Chapter 13 trustee,

and U. S. trustee pursuant to Local Bankruptcy Rule 2016-1(C) and the Clerk’s CM/ECF Policy 9, either electronically or in paper form (first class

mail).

Date

Signature of Attorney

[2030edva ver. 01/19]

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ACCOUNTS RECEIVABLE FACTORING AGREEMENT

THIS ACCOUNTS RECEIVABLE FACTORING AGREEMENT (this “Agreement”) is 

made by and between NATIONAL ACCESS, LLC, a Utah Limited Liability Company 

(“Lender”) and Throop Law, P.C., a Virginia Corporation, and is effective on the date the 

Lender signs this Agreement, which is indicated below its signature (the “Effective Date”). 

Lender and Borrower may each be referred to hereafter individually as a “Party” and 

collectively as the “Parties.”

Recitals

A. WHEREAS, Borrower represents numerous debtors and/or clients, each a client 

(collectively, “Client”) in connection with driving under the influence proceedings (“DUI”), 

family law matters, immigration, misdemeanors, and/or federal bankruptcy filings & 

proceedings; and

B. WHEREAS, Borrower desires to obtain financing from the Lender to be used for 

Borrower’s general business purposes.

Agreement

NOW, THEREFORE, in consideration of the covenants and promises contained herein 

and for other good and valuable consideration, the receipt and sufficiency of which are hereby 

acknowledged, Borrower and Lender hereby agree as follows:

1. Loan. During the Term, and with respect to the terms and conditions stated in 

this Agreement, the Lender shall advance to Borrower, from time to time, up to an aggregate of 

Three Hundred Thousand Dollars ($300,000.00), (the “Loan”), against valid accounts 

receivables of Borrower assigned to Lender in an amount up to $400.000 (the “Contract Ceiling 

Amount”). Funds will be advanced in the ratio of a 75% advance rate (the “Advance Rate”) 

against the face value of assigned accounts receivable (the “Contract Face Value”). All money 

lent by Lender is to be paid by Borrower in lawful money of the United States of America.

1.1 Review Fee. The Borrower shall pay National Access a fee of $25 for the 

review and processing of each uploaded Engagement. The Review Fee 

shall be paid out of each funded Engagement. 

1.2 Initial Sign On Fee. The Borrower shall pay National Access, a one-time 

fee of $_________, for loading Borrower’s details into the National 

Access system. This one-time set-up fee is to be paid out of Borrower’s 

initial Engagement advance. 

2. Acceptance of Engagements. On a weekly basis, or dependent on Borrower’s 

needs and agreed by Company, Borrower shall submit to the Lender all new Engagements for 

which Borrower wishes to obtain financing hereunder (each, an “Engagement” and collectively, 

the “Factored A/R”), together with required documentation as required on the Lender’s online 

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portal (e.g., pay stubs of each such client, etc.). Each such engagement will be made on a flat fee 

arrangement and represents a draw. The Lender will review each engagement and under 

Lender’s discretion will decide whether to accept and finance such engagement on the terms 

contained herein. In the event the Lender agrees to advance capital against any such 

engagement, the Lender will advance to Borrower an amount equal to the Advance Rate, less the 

Review Fee and amounts for building up or maintaining the Escrow, as needed and set forth in 

Section 3 below. 

3. Escrow. Lender will withhold an additional five percent (5%) from all advances

(“Establishment”) to Borrower and deposit such amounts in escrow until a minimum $5,000 

escrow balance has been established for each $100,000 of Contract Face Value advanced (the 

“Escrow”). The Escrow balance is to be used for all costs and expenses incurred by National 

Access arising from default, late payment, application of default interest, or any other fees 

associated with collecting on any assigned Engagement, such adjustments may be done on a 

monthly reconciliation basis, or as needed. Borrower shall shall keep and maintain a minimum 

Escrow balance of $5,000 after Establishment through necessary withholdings by Lender. 

Lender shall be able to withdraw from Escrow the imputed interest payments due hereunder, as 

well as any merchant or other service processing fees and expenses (such as wire transfer fees, 

credit card fees, insufficient funds fees, etc.) it incurs in connection with payment processing on 

behalf of Borrower, including reconciliation for non-payment. Should Borrower have the 

required Escrow balance, post Establishment, National Access shall advance 75% on future 

Engagements, less fees. For example, if Lender has advanced funds against $325,000 in Contract 

Face Value, then the Escrow would be $15,000 ($5,000 for each $100,000 in Contract Face 

Value). In the event this Agreement is terminated by Lender, Borrower shall be required to 

return to Lender any balance that remains in Escrow after all Engagements submitted by 

Borrower have finally settled. Lender reserves the right to increase the Escrow amount up to 

10% of the contract value with 30 days written notice. 

4. Term; Exclusivity. Throughout the term of this Agreement, Lender agrees to act 

as an accounts receivable lending party to Borrower, and Borrower agrees that it will not use any 

other accounts receivable lenders other than National Access, LLC. Borrow agrees that it will not 

open any other competing lines of credit without the approval of Lender. The initial term of this 

Agreement shall commence on the Effective Date and shall continue for one (1) year unless 

earlier terminated by either party in accordance with this Agreement. In the event that neither

party delivers not less than ninety (90) days advance written notice prior to the end of the then 

applicable term of its intent to not renew this Agreement, this Agreement shall automatically 

renew for another one (1) year. Notwithstanding the foregoing, for so long as there remains any 

amount owing hereunder, Borrower shall not have the right to terminate this Agreement or 

prevent any renewal of the term hereof. 

5. Engagement Agreement. Borrower does hereby affirm, represent and warrant 

that (i) the engagement agreement between Borrower and each Client discloses the existence or 

potential existence of this Agreement, (ii) Client has been provided an opportunity to ask 

Borrower questions regarding this Agreement, (iii) Borrower has answered all such questions to 

Client’s satisfaction, and (iv) Client has consented in writing to Borrower’s disclosure of the 

Client’s file to Lender. Borrower does hereby acknowledge and agree that Lender may and shall 

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rely on the representations and warranties contained in this Section 5. In the event any of the 

above is untrue, Borrower shall hold Lender harmless and indemnify Lender from any and all 

losses reasonably related thereto, including attorneys’ fees, court costs and all other expenses. 

Notwithstanding the foregoing, Lender shall have the right to approve of Borrower’s form 

engagement agreement. Borrower shall notify Lender of any changes made thereto.

For example, such engagement agreement may contain language such as the following:

“You acknowledge and agree that we may borrow or receive an advance of funds 

from a third party lender or an accounts receivable factor to pay certain of the 

costs associated with the legal engagement contemplated hereby. You also agree 

that for administrative convenience you may be required to remit payment 

hereunder to such third party lender or National Access upon receipt of notice 

from us or such party.”

6. Place of Performance. The place of performance of all obligations of Borrower 

and Lender shall be Salt Lake City, Utah. Lender shall have five (5) business days from the time 

it receives a signed copy of this Agreement from Borrower (the “Acceptance Deadline”) to 

accept Borrower’s offer to enter into the Agreement. If Lender does not notify Borrower of its 

acceptance before the Acceptance Deadline, then Borrower’s offer shall automatically lapse. For 

the avoidance of doubt, this Agreement shall not be deemed effective until such time as Lender 

executes this Agreement at its principal office in Salt Lake City, Utah (the “Principal Office”). 

Thereafter, all loan proceeds shall be disbursed to Borrower from Lender’s bank located in the 

State of Utah. All payments due and owing hereunder to Lender shall be paid at the Principal 

Office. For the avoidance of doubt, all payments due and owing hereunder to Lender shall be 

deemed to have been paid at the Principal Office when (a) such payments are either received in 

Lender’s bank account in Utah or delivered to Lender at the Principal Office, and (b) if payment 

is made via electronic transfer, Borrower delivers notice of the initiation of such transfer to 

Lender via electronic mail, facsimile or otherwise. Lender shall deliver to Borrower an electronic 

mail address, facsimile number or other delivery information as requested by Borrower in order 

to comply with this Section 6.

7. Default; Remedies. This Agreement shall be in default upon the happening of 

any one of the following events: (1) Borrower shall breach any representation, warranty or 

covenant of the Borrower set forth herein and/or any other document, agreement or instrument 

executed and delivered in connection herewith; (2) Borrower defaults in the performance of any 

other obligation to the Lender; (3) insolvency of Borrower or the commencement of any 

proceeding by or against Borrower for any relief under any bankruptcy or insolvency laws, or 

any laws relating to the relief of debtors, readjustments of indebtedness, reorganization, 

compositions or extensions; or (4) default of any term or condition contained in this Agreement 

or in any other agreement given in connection with this Agreement. In the event of any default, 

Lender may, at its option, declare the entire unpaid principal balance, together with any other 

charges, including Lender’s reasonable attorney’s fees, to be immediately due and payable. 

Lender's remedies shall be cumulative with any and all other remedies available to it at law or in 

equity. Borrower waives any right to protest, presentment, notice, dishonor, notice of dishonor, 

or demand. Lender may delay enforcing any of its rights under this Agreement without losing or 

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waiving them. Lender's waiver of any default shall not constitute a waiver of any subsequent 

default. 

a. Default Interest rate. At the time an engagement is accepted, it 

shall be with an approved payment authorization form which includes a scheduled 

repayment plan, establishing the payment dates for the repayment of the Contract 

Face Value. In the event late payments occur, default interest shall accrue on the 

late balance at the default interest rate of 0.15% per day. Default interest may be 

offset by Lender against the Escrow. 

8. Recourse. In the event of Default, Lender shall have no recourse to any of 

Client’s assets. Lender has not extended nor will extend a loan or credit to Borrower’s Clients. 

All money borrowed is exclusively a debt of Borrower. Therefore, Lender’s recovery shall be 

limited to the terms of this Agreement and Lender shall look exclusively to Borrower and 

Borrower’s assets for recovery. Furthermore, notwithstanding anything to the contrary in this 

Agreement, in the event of any Default resulting in Lender needing to exercise its rights as a 

secured creditor, Lender agrees to first look to satisfy any amounts owing hereunder from receipt 

of payment related to the Factored A/R. Once Lender has done so, Lender may then seek 

remuneration from other collateral of Borrower.

9. Confidentiality. Each party shall treat and hold as confidential all information 

related to this Agreement, including the existence of the Agreement itself, or concerning the 

businesses and affairs of the parties that is not already generally available to the public 

(“Confidential Information”), refrain from using any of the Confidential Information except in 

connection with this Agreement, and deliver promptly to the other party or destroy, at the request 

and option of such other party, all tangible embodiments (and all copies) of the Confidential 

Information which are in his/her or its possession. In the event that a party or any of the party’s 

members is requested or required (by oral request for information or documents in any legal 

proceeding, interrogatory, subpoena, civil investigative demand, or similar process) to disclose 

any Confidential Information, that such party will notify the other party promptly of the request 

or requirement so that the other party may seek an appropriate protective order or waive 

compliance with the provisions of this Section 9. If, in the absence of a protective order or the 

receipt of a waiver hereunder, the party or the party’s members are, on the advice of counsel, 

compelled to disclose any Confidential Information to any tribunal or else stand liable for 

contempt, the party or the party’s members, shareholders or partners (as the case may be) may 

disclose the Confidential Information to the tribunal; provided, however, that the party and the 

party’s members, shareholders or partners shall use their reasonable best efforts to first obtain, at 

the reasonable request of the other party, an order or other assurance that confidential treatment 

will be accorded to such portion of the Confidential Information required to be disclosed as the 

other party shall designate.

10. Special Rights. Borrower does hereby agree that Lender may (i) provide written 

notice, authenticated by Borrower, to Client that all amounts owed to Borrower by Client are 

payable only to Lender, (ii) instruct Client to make payment on such invoices due from Client 

either to Lender’s mailing address or to one of Lender’s bank accounts, as Lender may determine 

from time to time in writing, (iii) take all necessary steps so that payments and remittance 

information are directed to Lender, and (iv) take such other action as Lender may reasonably 

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request in connection with, or to further, any of the foregoing. Borrower does hereby 

acknowledge, understand and agree that Lender may at any time in its sole discretion also take 

any of the foregoing actions and/or verify that Borrower has taken any of the foregoing actions. 

All invoices, or their equivalents, will be promptly mailed or otherwise transmitted by Borrower 

to Client at Borrower’s expense. Borrower shall provide Lender with copies of all invoices (or 

the equivalent thereof) and proof of shipment or delivery, all as Lender may reasonably request.

11. Usury Savings Clause. Notwithstanding any other provision herein, the 

aggregate interest rate charged with respect to the Loan, including all charges or fees in 

connection therewith deemed in the nature of interest under applicable law shall not exceed the 

highest rate allowable under applicable law (the “Highest Lawful Rate”). If the rate of interest 

(determined without regard to the preceding sentence) under this Agreement at any time exceeds 

the Highest Lawful Rate, the outstanding amount of the Loan made hereunder shall bear interest 

at the Highest Lawful Rate until the total amount of interest due hereunder equals the amount of 

interest which would have been due hereunder if the stated rates of interest set forth in this 

Agreement had at all times been in effect. In addition, if and when the Loan made hereunder is 

repaid in full the total interest due hereunder (taking into account the increase provided for 

above) is less than the total amount of interest which would have been due hereunder if the stated 

rates of interest set forth in this Agreement had at all times been in effect, then to the extent 

permitted by law, Borrower shall pay to Lender an amount equal to the difference between the 

amount of interest paid and the amount of interest which would have been paid if the Highest 

Lawful Rate had at all times been in effect. Notwithstanding the foregoing, it is the intention of 

Lender and Borrower to conform strictly to any applicable usury laws. Accordingly, if Lender 

contracts for, charges, or receives any consideration which constitutes interest in excess of the 

Highest Lawful Rate, then any such excess shall be cancelled automatically and, if previously 

paid, shall at such Lender's option be applied to the outstanding amount of the Loan made 

hereunder or be refunded to Borrower.

12. Security. In order to secure the performance of Borrower’s obligations contained 

herein Borrower shall pledge all of its right, title and interest in and to all of Borrower’s accounts 

receivable, whether past, present or future, pursuant to that certain Security Agreement, attached 

hereto as Exhibit A.

13. Further Assurances. Each of the Parties mutually agrees to execute and deliver 

such further instruments of transfer or conveyance and take such further actions and steps as 

reasonably may be necessary in order to effectuate the transactions contemplated by this 

Agreement.

14. Binding Effect and Assignability. This Agreement shall inure to the benefit of 

and be binding upon Lender and Borrower and their respective heirs, executors, administrators,

personal representatives, successors and assigns. This Agreement contains all of the terms and 

conditions agreed upon by the parties and no other contracts, oral or otherwise, regarding the 

subject matter of this Agreement, including without limitation the Borrower’s operating 

agreement, or other organizational documents, shall be deemed to exist between or bind any of 

the parties hereto. Borrower may not assign its obligations under this Agreement without 

Lender’s prior written consent. 

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15. Counterparts. This Agreement may be executed in counterparts, each of which 

when executed and delivered shall be an original, but both such counterparts shall constitute one 

and the same instrument.

16. Amendment. Neither this Agreement nor any term or provision hereof may be 

changed, waived, discharged or terminated orally, or in any manner other than by an instrument 

in writing signed by the Party against whom the enforcement of the change, waiver, discharge or 

termination is sought.

17. Severability of Provisions. Each provision of this Agreement shall be 

considered severable if, and to the extent that, any provision of this Agreement is determined by 

a court of competent jurisdiction to be invalid and, after deleting such invalid or contrary 

provision(s), the mutual considerations among the Parties to this Agreement shall not be deemed 

materially altered, and the disregarding of such provisions shall not significantly impair the 

operation or effect of the portions of this Agreement that are valid.

18. No Legal Advice or Attorney-Client Relationship. Under no circumstances is 

the Lender's attorney-client relationship with Client being transferred to National Access. The 

parties each acknowledge that National Access is not a law firm and National Access is not 

providing legal advice to the Borrower or the Borrower’s Clients. Accordingly, there is no 

attorney client relationship between the Borrower and Lender and between the Borrower’s 

Clients and Lender. The Borrower is responsible for all attorney-client and ethical 

responsibilities associated with a traditional attorney-client relationship with Client.

19. Captions. The captions used herein are for ease of reference only and shall not 

define or limit the provisions hereof.

20. Governing Law. This Agreement shall be interpreted and governed in 

accordance with the laws of the State of Utah without regard to conflicts of laws principles. The 

Parties expressly consent and agree that any dispute, controversy, legal action or other 

proceeding that arises under, results from, concerns or relates to this Agreement must be brought 

exclusively in the state or federal courts located in Salt Lake County, Utah, and acknowledge 

that they will accept service of process by registered or certified mail or the equivalent directed 

to their last known address as determined by the other Party in accordance with this agreement or 

by whatever other means are permitted by such courts. The Parties acknowledge that said courts 

have exclusive jurisdiction over any such dispute or controversy, and that they hereby waive any 

objection to personal jurisdiction or venue in these courts or that such courts are an inconvenient 

forum. EACH PARTY HEREBY IRREVOCABLY WAIVES ALL RIGHT TO TRIAL BY 

JURY IN ANY ACTION (WHETHER BASED ON CONTRACT, TORT, OR OTHERWISE) 

ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE ACTIONS OF SUCH 

PARTY IN THE NEGOTIATION ADMINISTRATION, PERFORMANCE, AND 

ENFORCEMENT HEREOF.

21. Notices. Except as provided in Section 5, all notices hereunder shall be in writing 

and shall be deemed to have been sufficiently given or served when personally delivered, 

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deposited in the United States mail, by registered or certified mail, or deposited with a reputable 

overnight mail carrier, which provides for delivery of such mail to be traced, addressed as 

follows:

If to Lender: NATIONAL ACCESS, LLC

Attn: Jason Wilkinson

4609 S. 2300 E. STE 103

Salt Lake City, UT 84117

If to Borrower: THROOP LAW, P.C.

Attn: Matthew Throop

530 East Main Street, Suite 1020

Richmond, Virginia 23219

22. Integrated Agreement. This Agreement and the other agreements, documents, 

obligations, and transactions contemplated by this Agreement constitute the entire agreement 

between Lender and Borrower with respect to the subject matter of these agreements. THE 

PARTIES AGREE THAT SUCH AGREEMENTS ARE A FINAL EXPRESSION OF THE 

AGREEMENT BETWEEN LENDER AND BORROWER AND THESE AGREEMENTS 

MAY NOT BE CONTRADICTED BY EVIDENCE OF ANY ALLEGED ORAL 

AGREEMENT.

[Signatures on following page]

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IN WITNESS WHEREOF, Lender and Borrower have executed and delivered this Loan 

Agreement to be effective for all purposes as of the Effective Date.

LENDER: BORROWER:

NATIONAL ACCESS, LLC

a Utah Limited Liability Company

By: _____________________________

Name: Jason Wilkinson 

Title: Manager

Throop Law, P.C.

a Virginia Corporation

By: _____________________________

Name: Matthew Throop

Title: _________________

Date: _____________________________ Date: _____________________________

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6/26/2018 1:23:04 PM PDT 6/26/2018 1:32:42 PM PDT

President

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EXHIBIT A

SECURITY AGREEMENT

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SECURITY AGREEMENT

THIS SECURITY AGREEMENT (“Security Agreement”) is made by and between 

NATIONAL ACCESS, LLC, a Utah Limited Liability Company (the “Secured Party”) and

Throop Law, P.C., a Virginia Corporation, and shall be effective as of the date Borrower 

executes this Agreement, as indicated below Borrower’s signature below (the “Effective Date”).

R E C I T A L S:

WHEREAS, Secured Party has agreed to loan to the Borrower certain amount(s) 

pursuant to that certain Accounts Receivable Factoring Agreement by and between the Borrower 

and Secured Party of even date hereto (the “Factoring Agreement”), to which this Security 

Agreement is attached as Exhibit A thereto.

WHEREAS, in order to induce Secured Party to enter into the Factoring Agreement, 

Borrower agreed to enter into this Security Agreement and to grant to Secured Party a security 

interest in the Collateral described below.

A G R E E M E N T:

NOW, THEREFORE, in consideration of the above recitals and for other good and 

valuable consideration, the receipt and adequacy of which are hereby acknowledged, Borrower 

and Secured Party hereby agree as follows:

1. Definitions and Interpretation. When used in this Security Agreement, the 

following terms have the following respective meanings:

“Collateral” shall mean all of the accounts receivable of Debtor, whether past, present or 

future, and all proceeds therefrom.

“Lien” shall mean, with respect to any property, any security interest, mortgage, pledge, 

lien, claim, charge or other encumbrance in, of, or on such property or the income therefrom.

“Obligations” means all obligations arising or owed by Borrower to Secured Party or its 

affiliates under the Revolving Promissory Note, the Factoring Agreement or this Security 

Agreement.

“Person” shall mean and include an individual, a partnership, a Corporation, doing 

business as Recovery Law Group (including a business trust), a joint stock company, a limited 

liability company, an unincorporated association, a joint venture or other entity or a 

governmental authority.

“Permitted Liens” means (a) Liens for taxes not yet delinquent or Liens for taxes being 

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contested in good faith and by appropriate proceedings for which adequate reserves have been 

established; (b) Liens in respect of property or assets imposed by law which were incurred in the 

ordinary course of business, such as carriers’, warehouse men's, material men's and mechanics’ 

Liens and other similar Liens arising in the ordinary course of business which are not delinquent 

or remain payable without penalty or which are being contested in good faith and by appropriate 

proceedings; (c) Liens which constitute rights of set off of a customary nature or banker’s liens, 

whether arising by law or by contract; (d) Liens which are specifically approved prospectively in 

writing by Secured Party. Except as specifically set forth herein, a Lien’s designation as a 

Permitted Lien shall not be deemed to grant priority to such Lien holders with respect to the 

security interests granted to Secured Party by this Agreement. 

“UCC” means the Uniform Commercial Code as in effect in any State where any 

Engagement collateral resides.

Unless otherwise defined herein, all terms defined in the UCC have the respective 

meanings given to those terms in the UCC.

2. Grant of Security Interest

(a) As security for the Obligations, Borrower hereby pledges and grants to 

Secured Party a security interest in all right, title and interests of Borrower in and to the 

Collateral. 

(b) Borrower hereby irrevocably agrees to deliver any and all certificates, if 

any, representing the Collateral to the Secured Party together with a Power to Transfer the same 

executed in blank in favor of Secured Party.

(c) Borrower hereby irrevocably authorizes the Secured Party, to the extent 

that the Secured Party deems it necessary or advisable, to file in any filing office in any UCC 

jurisdiction any initial financing statements and amendments thereto that identifies the Collateral 

and provides any other information required by the UCC for the sufficiency or filing office 

acceptance of any financing statement or amendment.

3. General Representations and Warranties. Borrower represents and warrants to 

Secured Party that (i) Borrower is the owner of the Collateral (or, in the case of after-acquired 

Collateral, at the time Borrower acquires rights in the Collateral, will be the owner thereof) and 

that no other Person has (or, in the case of after-acquired Collateral, at the time Borrower 

acquires rights therein, will have) any right, title, claim or interest (by way of Lien or otherwise) 

in, against or to the Collateral, other than Permitted Liens; and (ii) upon the filing of a UCC 

financing statement describing the Collateral and any after-acquired Collateral and otherwise 

complying with the requirements of the UCC in the appropriate filing office, Secured Party will 

have a perfected security interest in the Collateral to the extent that a security interest in the 

Collateral can be perfected by such filing, subject to any Permitted Liens.

4. Covenants Relating to Collateral. Borrower hereby agrees (i) to perform all acts 

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that may be necessary to maintain, preserve, protect and perfect the Collateral, the Lien granted 

to Secured Party therein and the perfection and priority of such Lien, subject to any Permitted 

Liens; (ii) to pay promptly when due all taxes and other governmental charges, all Liens other 

than Permitted Liens and all other charges now or hereafter imposed upon or affecting any 

Collateral; (iii) to procure, execute and deliver from time to time any endorsements, assignments, 

financing statements and other writings reasonably deemed necessary or appropriate by Secured 

Party to maintain and protect its Lien hereunder and the priority thereof and to deliver promptly 

upon the request of Secured Party all originals of Collateral consisting of instruments; (iv) to 

appear in and defend any action or proceeding which may affect its title to or Secured Party’s 

interest in the Collateral; (v) not to surrender or lose possession of (other than to Secured Party), 

sell, encumber, lease, rent, or otherwise dispose of or transfer any Collateral or right or interest 

therein, and to keep the Collateral free of all Liens except Permitted Liens; and (vi) if requested 

by Secured Party, to type, print or stamp conspicuously on the face of all original copies of all 

Collateral a legend satisfactory to Secured Party indicating that such is subject to the security 

interest granted hereby; and (vii) to discuss Borrower’s affairs, finances and accounts with its 

directors, officers, and independent public accountants.

5. Litigation and Other Proceedings. Upon the occurrence and during the 

continuation of an event of default, Secured Party shall have the right but not the obligation to 

bring suit or institute proceedings in the name of Borrower or Secured Party to enforce any rights 

in the Collateral, including any license thereunder, in which event Borrower shall at the request 

of Secured Party do any and all lawful acts and execute any and all documents reasonably 

required by Secured Party in aid of such enforcement.

6. Default and Remedies.

(a) Default. Borrower shall be deemed in default under this Security 

Agreement upon the occurrence and during the continuance of a default or breach of any of 

Borrower’s obligations arising under the terms of the Revolving Promissory Note, the Factoring 

Agreement, or this Security Agreement or any other Security Agreement.

(b) Remedies. Upon the occurrence and during the continuance of any event 

of default, Secured Party shall have the rights of a secured creditor under the UCC and all rights 

granted by this Security Agreement, and by law. 

(c) Application of Collateral Proceeds. The proceeds and/or avails of the 

Collateral, or any part thereof, and the proceeds and the avails of any remedy hereunder (as well 

as any other amounts of any kind held by Secured Party at the time of, or received by Secured 

Party after, the occurrence of an event of default) shall be paid to and applied as follows:

(i) First, to the payment of reasonable costs and expenses, including 

all amounts expended to preserve the value of the Collateral, of foreclosure or suit, if any, and of 

such sale and the exercise of any other rights or remedies, and of all proper fees, expenses, 

liability and advances, including reasonable legal expenses and attorneys’ fees, incurred or made 

hereunder by Secured Party;

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(ii) Second, to the payment to Secured Party of the amounts 

outstanding under the Factoring Agreement and the Revolving Promissory Note;

(iii) Third, to the payment of the surplus, if any, to Borrower, its 

successors and assigns, or to whomsoever may be lawfully entitled to receive the same.

7. Miscellaneous.

(a) Notices. Except as otherwise provided herein, all notices, requests, 

demands, consents, instructions or other communications to or upon Borrower or Secured Party 

under this Security Agreement shall be in writing and faxed, mailed or delivered to each party to 

the facsimile number or the address set forth in the signature page hereof.

(b) Non Waiver. No failure or delay on the part of Secured Party in 

exercising any of its rights hereunder will operate as a waiver thereof or of any other right nor 

shall any single or partial exercise of any such right preclude any other further exercise thereof or 

of any other right.

(c) Amendments and Waivers. This Security Agreement may not be amended 

or modified, nor may any of its terms be waived, except by written instruments signed by 

Borrower and Secured Party. Each waiver or consent under any provision hereof shall be 

effective only in the specific instances for the purpose for which given.

(d) Assignments. This Security Agreement shall be binding upon and inure to 

the benefit of Secured Party and Borrower and their respective successors and assigns; provided, 

however, that Borrower may not sell, assign or delegate rights and obligations hereunder without 

the prior written consent of Secured Party.

(e) Cumulative Rights, etc. The rights, powers and remedies of Secured Party 

under this Security Agreement shall be in addition to all rights, powers and remedies given to 

Secured Party by virtue of any applicable law, rule or regulation of any governmental authority 

and the Factoring Agreement, all of which rights, powers, and remedies will be cumulative and 

may be exercised successively or concurrently without impairing Secured Party’s rights 

hereunder. Borrower waives any right to require Secured Party to proceed against any person or 

entity or to exhaust any Collateral or to pursue any remedy in Secured Party’s power.

(f) Payments Free of Taxes, Etc. All payments made by Borrower under the 

Factoring Agreement will be made by Borrower free and clear of and without deduction for any 

and all present and future taxes, levies, charges, deductions and with-holdings.

(g) Partial Invalidity. If at any time any provision of this Security Agreement 

is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, 

neither the legality, validity or enforceability of the remaining provisions of this Security 

Agreement nor the legality, validity or enforceability of such provision under the law of any 

other jurisdiction shall in any way be affected or impaired thereby.

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(h) Expenses. Borrower shall pay on demand all reasonable fees and 

expenses, including reasonable attorneys’ fees and expenses, incurred by Secured Party in 

connection with the custody, preservation or sale of, or other realization on, any of the 

Collateral or the enforcement or attempt to enforce any of the Obligations which is not 

performed as and when required by this Security Agreement.

(i) Construction. Each of this Security Agreement and the Factoring 

Agreement is the result of negotiations among, and has been reviewed by, Borrower and Secured 

Party. Accordingly, this Security Agreement and the Factoring Agreement will be deemed to be 

the product of all parties hereto, and no ambiguity shall be construed in favor of or against 

Borrower or Secured Party.

(j) Entire Agreement. This Security Agreement and the Factoring Agreement 

constitute and contain the entire agreement of Borrower and Secured Party and supersede any 

and all prior agreements, negotiations, correspondence, understandings and communications 

among the parties, whether written or oral, respecting the subject matter hereof.

(k) Governing Law. This Security Agreement shall be governed by and 

construed in accordance with the laws of the State of Utah without regard to conflicts of law 

principles. The Parties expressly consent and agree that any dispute, controversy, legal action or 

other proceeding that arises under, results from, concerns or relates to this Security Agreement 

must be brought exclusively in any state or federal court located in Salt Lake County, Utah, and 

acknowledge that they will accept service of process by registered or certified mail or the 

equivalent directed to their last known address as determined by the other Party in accordance 

with this agreement or by whatever other means are permitted by such courts. The Parties 

acknowledge that said court has exclusive jurisdiction over any such dispute or controversy, and 

that they hereby waive any objection to personal jurisdiction or venue in these courts or that such 

courts are an inconvenient forum. 

(l) Counterparts. This Security Agreement may be executed in any number of 

counterparts, each of which shall be an original, but all of which together shall be deemed to 

constitute one instrument.

(m) Waiver of Right to Jury. In order to avoid delays and minimize expense 

Borrower and Secured Party knowingly, voluntarily and intentionally waive any right to trial by 

jury in respect of any claim, demand, action or cause of action arising out of, under or in 

connection with this agreement or any related writing or any amendment thereto, whether now 

existing or hereinafter arising and whether sounding in contract or tort or otherwise, and each 

party hereby agrees and consents that any such claim, demand, action or cause of action shall be 

decided by a court trial without a jury, and a copy of this agreement may be filed with any court 

as evidence of the consent of each of the parties hereto to the waiver of its right to trial by jury.

[Signatures on following page]

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IN WITNESS WHEREOF, the Secured Party and Borrower have caused this Security 

Agreement to be executed as of the Effective Date.

SECURED PARTY: BORROWER:

NATIONAL ACCESS, LLC

a Utah Limited Liability Company

By: ____________________________

Name: Jason Wilkinson 

Title: Manager

Date: _____________________________

Throop Law, P.C.

a Virginia Corporation

By: _____________________________

Name: Matthew Throop

Title: ____________

Date: _____________________________

Address:

NATIONAL ACCESS, LLC

Attn: Jason Wilkinson

4609 S. 2300 East Suite 103

Salt Lake City, Utah 84117

Address:

THROOP LAW, P.C.

Attn: Matthew Throop

530 East Main Street, Suite 1020

Richmond, Virginia 23219

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President

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Fill in this information to identify your case: Check one box only as directed in this form and in Form

122A-1Supp: Debtor 1 Deneen Latrice Hill

 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.

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the: Eastern District of Virginia

Case number 19-34093

(if known)

 Check if this is an amended filing

Official Form 122A - 1

Chapter 7 Statement of Your Current Monthly Income 12/15

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 Columns 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). $ 3,435.69 $

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

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

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

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

Column A

Debtor 1

Column B

Debtor 2 or

non-filing spouse

8. Unemployment compensation $ 0.00 $

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

the Social Security Act. Instead, list it here:

For you $ 0.00

For your spouse $

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

benefit under the Social Security Act. $ 0.00 $

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

Do not include any benefits received under the Social Security Act or payments

received as a victim of a war crime, a crime against humanity, or international or

domestic terrorism. If necessary, list other sources on a separate page and put the

total below.

. $ 0.00 $

$ 0.00 $

Total amounts from separate pages, if any. + $ 0.00 $

11. 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. $ 3,435.69 + $ = $ 3,435.69

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 Copy line 11 here=> $ 3,435.69

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 12b. $

41,228.28

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

Fill in the state in which you live. VA

Fill in the number of people in your household. 2

Fill in the median family income for your state and size of household. 13. $

77,904.00

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.

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/ Deneen Latrice Hill

Deneen Latrice Hill

Signature of Debtor 1

Date September 3, 2019

MM / DD / YYYY

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

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

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

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

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Debtor 1 Deneen Latrice Hill Case number (if known) 19-34093

Current Monthly Income Details for the Debtor

Debtor Income Details:

Income for the Period 02/01/2019 to 07/31/2019.

Line 2 - Gross wages, salary, tips, bonuses, overtime, commissions

Source of Income: Armor Correctional Health

Year-to-Date Income:

Starting Year-to-Date Income: $4,103.13 from check dated 1/31/2019 .

Ending Year-to-Date Income: $21,456.27 from check dated 7/31/2019 .

Income for six-month period (Ending-Starting): $17,353.14 .

Average Monthly Income: $2,892.19 .

Line 2 - Gross wages, salary, tips, bonuses, overtime, commissions

Source of Income: Mediko Correctional Health

Income by Month:

6 Months Ago: 02/2019 $0.00

5 Months Ago: 03/2019 $0.00

4 Months Ago: 04/2019 $0.00

3 Months Ago: 05/2019 $0.00

2 Months Ago: 06/2019 $1,499.50

Last Month: 07/2019 $1,761.50

Average per month: $543.50

Official Form 122A-1 Chapter 7 Statement of Your Current Monthly Income page 3

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Notice Required by 11 U.S.C. § 342(b) for

Individuals Filing for Bankruptcy (Form 2010)

This notice is for you if:

You are an individual filing for bankruptcy,

and

Your debts are 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.”

Chapter 7: Liquidation

$245 filing fee

$75 administrative fee

+ $15 trustee surcharge

$335 total fee

Chapter 7 is for individuals who have financial

difficulty preventing them from paying their debts

and who are willing to allow their nonexempt

property to be used to pay their creditors. The

primary purpose of filing under chapter 7 is to have

your debts discharged. The bankruptcy discharge

relieves you after bankruptcy from having to pay

many of your pre-bankruptcy debts. Exceptions exist

for particular debts, and liens on property may still

be enforced after discharge. For example, a creditor

may have the right to foreclose a home mortgage or

repossess an automobile.

However, if the court finds that you have committed

certain kinds of improper conduct described in the

Bankruptcy Code, the court may deny your

discharge.

You should know that even if you file chapter 7 and

you receive a discharge, some debts are not

discharged under the law. Therefore, you may still

be responsible to pay:

most taxes;

most student loans;

domestic support and property settlement

obligations;

The types of bankruptcy that are available to

individuals

Individuals who meet the qualifications may file under

one of four different chapters of Bankruptcy Code:

Chapter 7 - Liquidation

Chapter 11 - Reorganization

Chapter 12 - Voluntary repayment plan

for family farmers or

fishermen

Chapter 13 - Voluntary repayment plan

for individuals with regular

income

You should have an attorney review your

decision to file for bankruptcy and the choice of

chapter.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 1

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most fines, penalties, forfeitures, and criminal

restitution obligations; and

certain debts that are not listed in your bankruptcy

papers.

You may also be required to pay debts arising from:

fraud or theft;

fraud or defalcation while acting in breach of

fiduciary capacity;

intentional injuries that you inflicted; and

death or personal injury caused by operating a

motor vehicle, vessel, or aircraft while intoxicated

from alcohol or drugs.

If your debts are primarily consumer debts, the court

can dismiss your chapter 7 case if it finds that you have

enough income to repay creditors a certain amount.

You must file Chapter 7 Statement of Your Current

Monthly Income (Official Form 122A–1) if you are an

individual filing for bankruptcy under chapter 7. This

form will determine your current monthly income and

compare whether your income is more than the median

income that applies in your state.

If your income is not above the median for your state,

you will not have to complete the other chapter 7 form,

the Chapter 7 Means Test Calculation (Official Form

122A–2).

If your income is above the median for your state, you

must file a second form —the Chapter 7 Means Test

Calculation (Official Form 122A–2). The calculations on

the form— sometimes called the Means Test—deduct

from your income living expenses and payments on

certain debts to determine any amount available to pay

unsecured creditors. If

your income is more than the median income for your

state of residence and family size, depending on the

results of the Means Test, the U.S. trustee, bankruptcy

administrator, or creditors can file a motion to dismiss

your case under § 707(b) of the Bankruptcy Code. If a

motion is filed, the court will decide if your case should

be dismissed. To avoid dismissal, you may choose to

proceed under another chapter of the Bankruptcy

Code.

If you are an individual filing for chapter 7 bankruptcy,

the trustee may sell your property to pay your debts,

subject to your right to exempt the property or a portion

of the proceeds from the sale of the property. The

property, and the proceeds from property that your

bankruptcy trustee sells or liquidates that you are

entitled to, is called exempt property. Exemptions may

enable you to keep your home, a car, clothing, and

household items or to receive some of the proceeds if

the property is sold.

Exemptions are not automatic. To exempt property,

you must list it on Schedule C: The Property You Claim

as Exempt (Official Form 106C). If you do not list the

property, the trustee may sell it and pay all of the

proceeds to your creditors.

Chapter 11: Reorganization

$1,167 filing fee

+ $550 administrative fee

$1,717 total fee

Chapter 11 is often used for reorganizing a business,

but is also available to individuals. The provisions of

chapter 11 are too complicated to summarize briefly.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 2

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Read These Important Warnings

Because bankruptcy can have serious long-term financial and legal consequences, including loss of

your property, you should hire an attorney and carefully consider all of your options before you file.

Only an attorney can give you legal advice about what can happen as a result of filing for bankruptcy

and what your options are. If you do file for bankruptcy, an attorney can help you fill out the forms

properly and protect you, your family, your home, and your possessions.

Although the law allows you to represent yourself in bankruptcy court, you should understand that

many people find it difficult to represent themselves successfully. The rules are technical, and a mistake

or inaction may harm you. If you file without an attorney, you are still responsible for knowing and

following all of the legal requirements.

You should not file for bankruptcy if you are not eligible to file or if you do not intend to file the

necessary documents.

Bankruptcy fraud is a serious crime; you could be fined and imprisoned if you commit fraud in your

bankruptcy case. 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.

Chapter 12: Repayment plan for family

farmers or fishermen

Under chapter 13, you must file with the court a plan

to repay your creditors all or part of the money that

you owe them, usually using your future earnings. If

the court approves your plan, the court will allow you

to repay your debts, as adjusted by the plan, within 3

years or 5 years, depending on your income and other

factors.

After you make all the payments under your plan,

many of your debts are discharged. The debts that are

not discharged and that you may still be responsible to

pay include:

domestic support obligations,

most student loans,

certain taxes,

debts for fraud or theft,

debts for fraud or defalcation while acting in a

fiduciary capacity,

most criminal fines and restitution obligations,

certain debts that are not listed in your

bankruptcy papers,

certain debts for acts that caused death or

personal injury, and

certain long-term secured debts.

$200 filing fee

+ $75 administrative fee

$275 total fee

Similar to chapter 13, chapter 12 permits family farmers

and fishermen to repay their debts over a period of time

using future earnings and to discharge some debts that

are not paid.

Chapter 13: Repayment plan for

individuals with regular

income

$235 filing fee

+ $75 administrative fee

$310 total fee

Chapter 13 is for individuals who have regular income

and would like to pay all or part of their debts in

installments over a period of time and to discharge

some debts that are not paid. You are eligible for

chapter 13 only if your debts are not more than certain

dollar amounts set forth in 11 U.S.C. § 109.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 3

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Warning: File Your Forms on Time

A married couple may file a bankruptcy case

together—called a joint case. If you file a joint case and

each spouse lists the same mailing address on the

bankruptcy petition, the bankruptcy court generally will

mail you and your spouse one copy of each notice,

unless you file a statement with the court asking that

each spouse receive separate copies.

Understand which services you could receive from

credit counseling agencies

The law generally requires that you receive a credit

counseling briefing from an approved credit counseling

agency. 11 U.S.C. § 109(h). If you are filing a joint

case, both spouses must receive the briefing. With

limited exceptions, you must receive it within the 180

days before you file your bankruptcy petition. This

briefing is usually conducted by telephone or on the

Internet.

In addition, after filing a bankruptcy case, you generally

must complete a financial management instructional

course before you can receive a discharge. If you are

filing a joint case, both spouses must complete the

course.

You can obtain the list of agencies approved to provide

both the briefing and the instructional course from:

http://justice.gov/ust/eo/hapcpa/ccde/cc_approved.html

.

In Alabama and North Carolina, go to:

http://www.uscourts.gov/FederalCourts/Bankruptcy/

BankruptcyResources/ApprovedCredit

AndDebtCounselors.aspx.

If you do not have access to a computer, the clerk of

the bankruptcy court may be able to help you obtain

the list.

Section 521(a)(1) of the Bankruptcy Code requires that

you promptly file detailed information about your

creditors, assets, liabilities, income, expenses and

general financial condition. The court may dismiss your

bankruptcy case if you do not file this information within

the deadlines set by the Bankruptcy Code, the

Bankruptcy Rules, and the local rules of the court.

For more information about the documents and

their deadlines, go to:

http://www.uscourts.gov/bkforms/bankruptcy_form

s.html#procedure.

Bankruptcy crimes have serious consequences

If you knowingly and fraudulently conceal assets

or make a false oath or statement under penalty

of perjury—either orally or in writing—in

connection with a bankruptcy case, you may be

fined, imprisoned, or both.

All information you supply in connection with a

bankruptcy case is subject to examination by the

Attorney General acting through the Office of the

U.S. Trustee, the Office of the U.S. Attorney, and

other offices and employees of the U.S.

Department of Justice.

Make sure the court has your mailing address

The bankruptcy court sends notices to the mailing

address you list on Voluntary Petition for Individuals

Filing for Bankruptcy (Official Form 101). To ensure

that you receive information about your case,

Bankruptcy Rule 4002 requires that you notify the court

of any changes in your address.

Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy (Form 2010) page 4

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United States Bankruptcy Court

Eastern District of Virginia

In re Deneen Latrice Hill Case No. 19-34093

Debtor(s) Chapter 7

TO:

Ortho Virginia

PO Box 35725

Richmond, VA 23235

 NOTICE TO

CREDITOR(S) (RE AMENDMENT)

NOTICE IS HEREBY GIVEN that an amendment to the above-captioned debtor's schedules has been filed

 adding you as a creditor,

 deleting you as a creditor,

 correcting your address

A copy of the amendment is forwarded to you together with this notice.

[If amendment is adding creditor(s)] NOTICE IS FURTHER GIVEN that also forwarded to you together with this notice is

a copy of the notice of the meeting of creditors called by the United States Trustee pursuant to Federal Rule of Bankruptcy Procedure

2003, giving the particulars of the case and stating the last date for the filing of claims (if any was given), for filing complaints

objecting to the discharge and complaints to determine the dischargeability of certain debts; a copy of the discharge of the debtor, if

one has been entered, a subsequent notice to file claims, if one has been issued, and any other filed document affecting the rights of

the added creditor(s).

Date: September 3, 2019 By

Deneen Latrice Hill

/s/ Stephen Leigh Flores

Attorney for Debtor [or Pro Se Debtor]

State Bar No.: 92900 VA

Address: Throop Law P.C.

530 E Main Street STE 1020

Richmond, VA 23219

Telephone No.: 804-299-5222

CERTIFICATION

I certify that on September 3, 2019 , I served a copy of the foregoing notice on the United States Trustee, any

appointed trustee, and any and all entities affected by the amendment pursuant to Local Bankruptcy Rule 1009-1(A).

/s/ Stephen Leigh Flores

Stephen Leigh Flores 92900

Attorney for Debtor [or Pro Se Debtor]

[ ntctoaddcreds ver. R. 11/01]

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