1

UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA

______________ Division

CHAPTER 13 PLAN 

AND RELATED MOTIONS

Name of Debtor(s): Case No: 

This Plan, dated ______________________, is: 

L· the first Chapter 13 Plan filed in this case. 

L· a modified Plan that replaces the 

L· confirmed or L· unconfirmed Plan dated ___________________ 

Date and Time of Modified Plan Confirmation Hearing: 

_____________________________________________________ 

Place of Modified Plan Confirmation Hearing: 

_____________________________________________________ 

The Plan provisions modified by this filing are: 

Creditors affected by this modification are: 

1. Notices

To Creditors: 

Your rights may be affected by this plan. Your claim may be reduced, 

modified, or eliminated. You should read this plan carefully and 

discuss it with your attorney if you have one in this bankruptcy case. 

If you do not have an attorney, you may wish to consult one. 

If you oppose the plan’s treatment of your claim or any provision of 

this plan, you or your attorney must file an objection to confirmation 

at least 7 days before the date set for the hearing on confirmation, 

unless otherwise ordered by the Bankruptcy Court. The Bankruptcy 

Court may confirm this plan without further notice if no objection to 

Alexandria

Sherri Harris 18-13633-BFK

November 27, 2018

✔

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confirmation is filed. See Bankruptcy Rule 3015. In addition, you may 

need to file a timely proof of claim in order to be paid under any plan. 

The following matters may be of particular importance.

Debtors must check one box on each line to state whether or not the 

plan includes each of the following items. If an item is checked as 

“Not Included” or if both boxes are checked, the provision will be 

ineffective if set out later in the plan. 

A. A limit on the amount of a secured claim, set out in Section 4.A 

which may result in a partial payment or no payment at all to 

the secured creditor 

Included Not included

B. Avoidance of a judicial lien or nonpossessory, nonpurchasemoney security interest, set out in Section 8.A Included Not included

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

2. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of $__________________ 

per _________ for ____ months. Other payments to the Trustee are as follows: 

_____________________. The total amount to be paid into the Plan is $_____________. 

3. Priority Creditors. The Trustee shall pay allowed priority claims in full unless the creditor 

agrees otherwise. 

A. Administrative Claims under 11 U.S.C. § 1326.

1. The Trustee will be paid the percentage fee fixed under 28 U.S.C. § 586(e), not 

to exceed 10% of all sums received under the plan. 

2. Check one box: 

L· Debtor(s)’ attorney has chosen to be compensated pursuant to the “no-look” fee 

under Local Bankruptcy Rule 2016-1(C)(1)(a) and (C)(3)(a) and will be paid 

$_________________, balance due of the total fee of $_________________

concurrently with or prior to the payments to remaining creditors. 

L· Debtor(s)’ attorney has chosen to be compensated pursuant to Local Bankruptcy 

Rule 2016-1(C)(1)(c)(ii) and must submit applications for compensation as set 

forth in the Local Rules. 

B. Claims under 11 U.S.C. § 507.

The following priority creditors will be paid by deferred cash payments pro rata with 

other priority creditors or in monthly installments as below, except that allowed claims 

pursuant to 11 U.S.C. § 507(a)(1) will be paid pursuant to 3.C below: 

Creditor Type of Priority Estimated Claim Payment and Term 

✔

✔

✔

190.00

month 60

11,400.00

✔

3,580.00 5,580.00

IRS Taxes $1,896.00 As funds are available

Virginia Dept of Tax Taxes $386.00 As funds are available

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C. Claims under 11 U.S.C. § 507(a)(1) 

The following priority creditors will be paid prior to other priority creditors but concurrently with 

administrative claims above. 

Creditor Type of Priority Estimated Claim Payment and Term 

4. Secured Creditors: Motions to Value Collateral (“Cramdown”), Collateral being 

Surrendered, Adequate Protection Payments, and Payment of certain Secured Claims.

A. Motions to Value Collateral (other than claims protected from “cramdown” by 

11 U.S.C. § 1322(b)(2) or by the final paragraph of 11 U.S.C. § 1325(a)). Unless 

a written objection is timely filed with the Court, the Court may grant the 

debtor(s)’ motion to value collateral as set forth herein.

This section deals with valuation of certain claims secured by real and/or personal property, 

other than claims protected from “cramdown” by 11 U.S.C. § 1322(b)(2) [real estate which is 

debtor(s)’ principal residence] or by the final paragraph of 11 U.S.C. § 1325(a) [motor vehicles 

purchased within 910 days or any other thing of value purchased within 1 year before filing 

bankruptcy], in which the replacement value is asserted to be less than the amount owing on 

the debt. Such debts will be treated as secured claims only to the extent of the 

replacement value of the collateral. That value will be paid with interest as provided in 

sub-section D of this section. You must refer to section 4(D) below to determine the 

interest rate, monthly payment and estimated term of repayment of any “crammed 

down” loan. The deficiency balance owed on such a loan will be treated as an 

unsecured claim to be paid only to the extent provided in section 5 of the Plan. The 

following secured claims are to be “crammed down” to the following values: 

Creditor Collateral Purchase Date Est. Debt Bal. Replacement Value

B. Real or Personal Property to be Surrendered.

Upon confirmation of the Plan, or before, the debtor(s) will surrender his/her/their interest in 

the collateral securing the claims of the following creditors in satisfaction of the secured portion 

of such creditors’ allowed claims. To the extent that the collateral does not satisfy the claim, 

any timely filed deficiency claim to which the creditor is entitled may be paid as a non-priority 

unsecured claim. Confirmation of the Plan shall terminate the automatic stay under §§ 362(a) 

and 1301(a) as to the interest of the debtor(s), any co-debtor(s) and the estate in the 

collateral. 

Creditor Collateral Description Estimated Value Estimated Total Claim 

C. Adequate Protection Payments.

The debtor(s) propose to make adequate protection payments required by 11 U.S.C. § 

1326(a) or otherwise upon claims secured by personal property, until the commencement of 

payments provided for in sections 4(D) and/or 7(B) of the Plan, as follows: 

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Creditor Collateral Adeq. Protection Monthly Payment To Be Paid By 

Any adequate protection payment upon an unexpired lease of personal property assumed by the 

debtor(s) pursuant to section 7(B) of the Plan shall be made by the debtor(s) as required by 11 

U.S.C. § 1326(a)(1)(B) (payments coming due after the order for relief). 

D. Payment of Secured Claims on Property Being Retained (except those 

loans provided for in section 6 of the Plan): 

This section deals with payment of debts secured by real and/or personal property [including 

short term obligations, judgments, tax liens and other secured debts]. After confirmation of the 

Plan, the Trustee will pay to the holder of each allowed secured claim, which will be either the 

balance owed on the indebtedness or, where applicable, the collateral’s replacement value as 

specified in sub-section A of this section, whichever is less, with interest at the rate provided 

below, the monthly payment specified below until the amount of the secured claim has been 

paid in full. Upon confirmation of the Plan, the valuation specified in sub-section A and 

interest rate shown below will be binding unless a timely written objection to 

confirmation is filed with and sustained by the Court.

Approx. Bal. of Debt or Interest Monthly Payment

Creditor Collateral “Crammed Down” Value Rate & Est. Term

E. Other Debts.

Debts which are (i) mortgage loans secured by real estate which is the debtor(s)’ principal 

residence, or (ii) other long term obligations, whether secured or unsecured, to be continued 

upon the existing contract terms with any existing default in payments to be cured pursuant to 

11 U.S.C. § 1322(b)(5), are provided for in section 6 of the Plan. 

5. Unsecured Claims.

A. Not separately classified. Allowed non-priority unsecured claims shall be paid pro 

rata from any distribution remaining after disbursement to allowed secured and priority 

claims. Estimated distribution is approximately _____%. The dividend percentage may 

vary depending on actual claims filed. If this case were liquidated under Chapter 7, the 

debtor(s) estimate that unsecured creditors would receive a dividend of approximately 

_____%. 

B. Separately classified unsecured claims.

Creditor Basis for Classification Treatment 

6. Mortgage Loans Secured by Real Property Constituting the Debtor(s)’ Principal 

Residence; Other Long Term Payment Obligations, whether secured or unsecured, to 

be continued upon existing contract terms; Curing of any existing default under 11 

U.S.C. § 1322(b)(5).

4

0

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A. Debtor(s) to make regular contract payments; arrears, if any, to be paid by 

Trustee. The creditors listed below will be paid by the debtor(s) pursuant to the 

contract without modification, except that arrearages, if any, will be paid by the Trustee 

either pro rata with other secured claims or on a fixed monthly basis as indicated below, 

without interest unless an interest rate is designated below for interest to be paid on the 

arrearage claim and such interest is provided for in the loan agreement. A default on the 

regular contract payments on the debtor(s) principal residence is a default under the 

terms of the plan. 

Regular Arrearage Monthly

Contract Estimated Interest Estimated Arrearage

Creditor Collateral Payment Arrearage Rate Cure Period Payment

B. Trustee to make contract payments and cure arrears, if any. The Trustee shall 

pay the creditors listed below the regular contract monthly payments that come due 

during the period of this Plan, and pre-petition arrearages on such debts shall be cured 

by the Trustee either pro rata with other secured claims or with monthly payments as 

set forth below. 

Regular

Contract Estimated Interest Rate Monthly Payment on

Creditor Collateral Payment Arrearage on Arrearage Arrearage & Est. Term

C. Restructured Mortgage Loans to be paid fully during term of Plan. Any 

mortgage loan against real estate constituting the debtor(s)’ principal residence upon 

which the last scheduled contract payment is due before the final payment under the 

Plan is due shall be paid by the Trustee during the term of the Plan as permitted by 11 

U.S.C. § 1322(c)(2) with interest at the rate specified below as follows: 

Interest Estimated Monthly

Creditor Collateral Rate Claim Payment & Term

7. Unexpired Leases and Executory Contracts. The debtor(s) move for assumption or 

rejection of the executory contracts, leases and/or timeshare agreements listed below. 

 A. Executory contracts and unexpired leases to be rejected. The debtor(s) 

reject the following executory contracts: 

Creditor Type of Contract 

B. Executory contracts and unexpired leases to be assumed. The debtor(s) 

assume the following executory contracts. The debtor(s) agree to abide by all terms 

of the agreement. The Trustee will pay the pre-petition arrearages, if any, through 

Ally Financial 2017 Toyota $578.00 $0

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payments made pro rata with other priority claims or on a fixed monthly basis as 

indicated below. 

Monthly 

Payment Estimated 

Creditor Type of Contract Arrearage for Arrears Cure Period

8. Liens Which Debtor(s) Seek to Avoid.

A. The debtor(s) move to avoid liens pursuant to 11 U.S.C. § 522(f). The debtor(s) 

move to avoid the following judicial liens and non-possessory, non-purchase money liens 

that impair the debtor(s)’ exemptions. Unless a written objection is timely filed 

with the Court, the Court may grant the debtor(s)’ motion and cancel the 

creditor’s lien. If an objection is filed, the Court will hear evidence and rule on the 

motion at the confirmation hearing. 

Creditor Collateral Exemption Basis Exemption Amount Value of Collateral 

B. Avoidance of security interests or liens on grounds other than 11 U.S.C. § 

522(f). The debtor(s) have filed or will file and serve separate adversary proceedings to 

avoid the following liens or security interests. The creditor should review the notice or 

summons accompanying such pleadings as to the requirements for opposing such relief. 

The listing here is for information purposes only. 

Creditor Type of Lien Description of Collateral Basis for Avoidance 

9. Treatment and Payment of Claims.

• All creditors must timely file a proof of claim to receive any payment from the Trustee.

• If a claim is scheduled as unsecured and the creditor files a claim alleging the claim is 

secured but does not timely object to confirmation of the Plan, the creditor may be treated as 

unsecured for purposes of distribution under the Plan. This paragraph does not limit the right 

of the creditor to enforce its lien, to the extent not avoided or provided for in this case, after 

the debtor(s) receive a discharge. 

• If a claim is listed in the Plan as secured and the creditor files a proof of claim alleging the 

claim is unsecured, the creditor will be treated as unsecured for purposes of distribution 

under the Plan. 

• The Trustee may adjust the monthly disbursement amount as needed to pay an allowed 

secured claim in full. 

• If relief from the automatic stay is ordered as to any item of collateral listed in the plan, then, 

unless otherwise ordered by the court, all payments as to that collateral will cease, and all 

secured claims based on that collateral will no longer be treated by the plan. 

• Unless otherwise ordered by the Court, the amount of the creditor’s total claim listed on the 

proof of claim controls over any contrary amounts listed in the plan. 

10. Vesting of Property of the Estate. Property of the estate shall revest in the debtor(s) 

upon confirmation of the Plan. Notwithstanding such vesting, the debtor(s) may not 

transfer, sell, refinance, encumber real property or enter into a mortgage loan 

modification without approval of the Court after notice to the Trustee, any creditor who 

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has filed a request for notice and other creditors to the extent required by the Local Rules 

of this Court. 

11. Incurrence of indebtedness. The debtor(s) shall not voluntarily incur additional indebtedness 

exceeding the cumulative total of $5,000 principal amount during the term of this Plan, whether 

unsecured or secured, except upon approval of the Court after notice to the Trustee, any 

creditor who has filed a request for notice, and other creditors to the extent required by the 

Local Rules of this Court. 

12. Nonstandard Plan Provisions 

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

Under Bankruptcy Rule 3015(c), nonstandard provisions must be set forth below. A 

nonstandard provision is a provision not otherwise included in the Official Form or 

deviating from it. Nonstandard provisions set out elsewhere in this plan are ineffective. 

The following plan provisions will be effective only if there is a check in the box “Included” in § 1.C.

____________________________________________________________________________ 

____________________________________________________________________________ 

____________________________________________________________________________ 

____________________________________________________________________________ 

Dated: __________________________

________________________________________ ________________________________________

Debtor 1 (Required) Debtor(s)’ Attorney

________________________________________ 

Debtor 2 (Required)

By filing this document, the Attorney for Debtor(s) or Debtor(s) themselves, if not represented by an 

attorney, also certify(ies) that the wording and order of the provisions in this Chapter 13 plan are 

identical to those contained in the Local Form Plan, other than any nonstandard provisions included in 

Part 12. 

See attached addendum.

November 27, 2018

/s/ Sherri Harris /s/ Robert R. Weed

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

Certificate of Service 

I certify that on _____________________, I mailed a copy of the foregoing to the 

creditors and parties in interest on the attached Service List. 

__________________________________ 

Signature 

__________________________________ 

__________________________________ 

Address 

__________________________________ 

Telephone No:

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004 

I hereby certify that on __________________________ true copies of the forgoing Chapter 13 Plan and 

Related Motions were served upon the following creditor(s): 

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

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

_____________________________________ 

Signature of attorney for debtor(s) 

[ver. 12/17] 

November 27, 2018

/s/ Robert R. Weed

1376 Old Bridge Rd., Ste. 101-4

Woodbridge, VA 22192

(703) 335-7793

November 27, 2018

✔

/s/ Robert R. Weed

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ADDENDUM 

12. Nonstandard Plan Provisions: 

A. The Trustee fee is calculated at 8.5% and shall be paid pursuant to 11 USC 586(e)

(1)(B)(i).

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Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

Fill in this information to identify your case:

Debtor 1 Sherri Harris

First Name Middle Name Last Name

Debtor 2

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

United States Bankruptcy Court for the: Eastern District of Virginia

Case number

(if known)

18-13633

Official Form 106I

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

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

spouse is not filing with you, do not include information about your spouse. If more space is needed, attach a separate sheet to this form. On the top of any

additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,

attach a separate page with

information about additional

employers.

Include part time, seasonal, or

self-employed work.

Occupation may include student

or homemaker, if it applies.

Employment status

Occupation

Employer's name

Employer's address

Employed Not Employed

Project Manager

Ezra Technologies

4415 Nicole Dr

Number Street

Lanham, MD 20706

City State Zip Code

Employed Not Employed

Number Street

City State Zip Code

How long employed there? 4 years

Part 2: Give Details About Monthly Income

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing spouse unless you

are separated.

If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need more space,

attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or

non-filing spouse

2. List monthly gross wages, salary, and commissions (before all payroll

deductions.) If not paid monthly, calculate what the monthly wage would be. 2. $4,362.80 $0.00

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

4. Calculate gross income. Add line 2 + line 3. 4. $4,362.80 $0.00

Official Form 106I Schedule I: Your Income page 1

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Schedule I: Your Income 12/15

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Debtor 1 Sherri Harris

First Name Middle Name Last Name

Case number (if known) 18-13633

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here....................................................................................➔ 4. $4,362.80 $0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions

5b. Mandatory contributions for retirement plans

5c. Voluntary contributions for retirement plans

5d. Required repayments of retirement fund loans

5e. Insurance

5f. Domestic support obligations

5g. Union dues

5h. Other deductions. Specify: 

5a.

5b.

5c.

5d.

5e.

5f.

5g.

5h.

$518.94

$0.00

$0.00

$0.00

$264.72

$0.00

$0.00

+ $0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e +5f + 5g + 5h. 6. $783.66 $0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $3,579.14 $0.00

8. List all other income regularly received:

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

profession, or farm

Attach a statement for each property and business showing gross receipts,

ordinary and necessary business expenses, and the total monthly net income.

8b. Interest and dividends

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

regularly receive

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

settlement, and property settlement.

8d. Unemployment compensation

8e. Social Security

8f. Other government assistance that you regularly receive

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

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

Nutrition Assistance Program) or housing subsidies.

Specify: 

8g. Pension or retirement income

8h. Other monthly income. Specify: Help from Friend

8a.

8b.

8c.

8d.

8e.

8f.

8g.

8h.

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $345.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f +8g + 8h. 9. $345.00 $0.00

10. Calculate monthly income. Add line 7 + line 9.

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse 10. $3,924.14 + $0.00 = $3,924.14

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

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

friends or relatives.

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

Specify: 11. + $0.00

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

amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, if it applies 12. $3,924.14

Combined

monthly income

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

 No.

 Yes. Explain: 

Official Form 106I Schedule I: Your Income page 2

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Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

Do you have dependents?

Do not list Debtor 1 and

Debtor 2.

Do not state the dependents' names.

 No

Yes. Fill out this information for

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

Dependent's relationship to

Debtor 1 or Debtor 2

Dependent's

age

Does dependent live

with you?

 No

 Yes

 No

 Yes

 No

 Yes

 No

 Yes

 No

 Yes

Fill in this information to identify your case:

Debtor 1 Sherri Harris

First Name Middle Name Last Name

Debtor 2

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

United States Bankruptcy Court for the: Eastern District of Virginia

Case number

(if known)

18-13633

Official Form 106J

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

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

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

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

2.

3. Do your expenses include expenses

of people other than yourself and

your dependents?

 No

 Yes

Part 2: Estimate Your Ongoing Monthly Expenses

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

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

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

such assistance and have included it on Schedule I: Your Income (Official Form 106I.)

Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage payments and any rent for the

ground or lot.

If not included in line 4:

4a. Real estate taxes

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

4c. Home maintenance, repair, and upkeep expenses

4d. Homeowner's association or condominium dues

4.

4a.

4b.

4c.

4d.

$1,490.00

$0.00

$36.00

$0.00

$0.00

Official Form 106J Schedule J: Your Expenses page 1

❑

❑

Schedule J: Your Expenses 12/15

❑✔

❑

❑

❑

❑✔

❑

❑

❑

❑

❑

❑

❑

❑

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Debtor 1 Sherri Harris

First Name Middle Name Last Name

Case number (if known) 18-13633

Your expenses

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

6. Utilities:

6a. Electricity, heat, natural gas

6b. Water, sewer, garbage collection

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

6d. Other. Specify: Cell Phones

6a.

6b.

6c.

6d.

$150.00

$40.00

$189.00

$40.00

7. Food and housekeeping supplies 7. $324.00

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

9. Clothing, laundry, and dry cleaning 9. $100.00

10. Personal care products and services 10. $100.00

11. Medical and dental expenses 11. $80.00

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

Do not include car payments. 12. $260.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $30.00

14. Charitable contributions and religious donations 14. $100.00

15. Insurance.

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

15a. Life insurance

15b. Health insurance

15c. Vehicle insurance

15d. Other insurance. Specify: 

15a.

15b.

15c.

15d.

$0.00

$0.00

$185.00

$0.00

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

Specify: Car Tax 16. $30.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1

17b. Car payments for Vehicle 2

17c. Other. Specify: 

17d. Other. Specify: 

17a.

17b.

17c.

17d.

$580.00

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

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

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

Specify: 19. $0.00

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

20a. Mortgages on other property

20b. Real estate taxes

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

20d. Maintenance, repair, and upkeep expenses

20e. Homeowner’s association or condominium dues

20a.

20b.

20c.

20d.

20e.

$0.00

$0.00

$0.00

$0.00

$0.00

Official Form 106J Schedule J: Your Expenses page 2

Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 13 of 21
Debtor 1 Sherri Harris

First Name Middle Name Last Name

Case number (if known) 18-13633

21. Other. Specify: 21. + $0.00

22. Calculate your monthly expenses.

22a. Add lines 4 through 21.

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

22c. Add line 22a and 22b. The result is your monthly expenses.

22a.

22b.

22c.

$3,734.00

$0.00

$3,734.00

23. Calculate your monthly net income.

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

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

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

The result is your monthly net income.

23a.

23b.

23c.

$3,924.14

– $3,734.00

$190.14

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:

Ongoing Medicals

Official Form 106J Schedule J: Your Expenses page 3

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Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 14 of 21
Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

Fill in this information to identify your case:

Debtor 1 Sherri Harris

First Name Middle Name Last Name

Debtor 2

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

United States Bankruptcy Court for the: Eastern District of Virginia

Case number

(if known)

18-13633

Official Form 106I

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

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

spouse is not filing with you, do not include information about your spouse. If more space is needed, attach a separate sheet to this form. On the top of any

additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,

attach a separate page with

information about additional

employers.

Include part time, seasonal, or

self-employed work.

Occupation may include student

or homemaker, if it applies.

Employment status

Occupation

Employer's name

Employer's address

Employed Not Employed

Project Manager

Ezra Technologies

4415 Nicole Dr

Number Street

Lanham, MD 20706

City State Zip Code

Employed Not Employed

Number Street

City State Zip Code

How long employed there? 4 years

Part 2: Give Details About Monthly Income

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing spouse unless you

are separated.

If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need more space,

attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or

non-filing spouse

2. List monthly gross wages, salary, and commissions (before all payroll

deductions.) If not paid monthly, calculate what the monthly wage would be. 2. $4,362.80 $0.00

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

4. Calculate gross income. Add line 2 + line 3. 4. $4,362.80 $0.00

Official Form 106I Schedule I: Your Income page 1

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Schedule I: Your Income 12/15

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Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 15 of 21
Debtor 1 Sherri Harris

First Name Middle Name Last Name

Case number (if known) 18-13633

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here....................................................................................➔ 4. $4,362.80 $0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions

5b. Mandatory contributions for retirement plans

5c. Voluntary contributions for retirement plans

5d. Required repayments of retirement fund loans

5e. Insurance

5f. Domestic support obligations

5g. Union dues

5h. Other deductions. Specify: 

5a.

5b.

5c.

5d.

5e.

5f.

5g.

5h.

$518.94

$0.00

$0.00

$0.00

$264.72

$0.00

$0.00

+ $0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e +5f + 5g + 5h. 6. $783.66 $0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $3,579.14 $0.00

8. List all other income regularly received:

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

profession, or farm

Attach a statement for each property and business showing gross receipts,

ordinary and necessary business expenses, and the total monthly net income.

8b. Interest and dividends

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

regularly receive

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

settlement, and property settlement.

8d. Unemployment compensation

8e. Social Security

8f. Other government assistance that you regularly receive

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

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

Nutrition Assistance Program) or housing subsidies.

Specify: 

8g. Pension or retirement income

8h. Other monthly income. Specify: Help from Friend

8a.

8b.

8c.

8d.

8e.

8f.

8g.

8h.

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $345.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f +8g + 8h. 9. $345.00 $0.00

10. Calculate monthly income. Add line 7 + line 9.

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse 10. $3,924.14 + $0.00 = $3,924.14

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

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

friends or relatives.

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

Specify: 11. + $0.00

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

amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, if it applies 12. $3,924.14

Combined

monthly income

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

 No.

 Yes. Explain: 

Official Form 106I Schedule I: Your Income page 2

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Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 16 of 21
Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

Do you have dependents?

Do not list Debtor 1 and

Debtor 2.

Do not state the dependents' names.

 No

Yes. Fill out this information for

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

Dependent's relationship to

Debtor 1 or Debtor 2

Dependent's

age

Does dependent live

with you?

 No

 Yes

 No

 Yes

 No

 Yes

 No

 Yes

 No

 Yes

Fill in this information to identify your case:

Debtor 1 Sherri Harris

First Name Middle Name Last Name

Debtor 2

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

United States Bankruptcy Court for the: Eastern District of Virginia

Case number

(if known)

18-13633

Official Form 106J

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

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

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

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

2.

3. Do your expenses include expenses

of people other than yourself and

your dependents?

 No

 Yes

Part 2: Estimate Your Ongoing Monthly Expenses

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

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

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

such assistance and have included it on Schedule I: Your Income (Official Form 106I.)

Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage payments and any rent for the

ground or lot.

If not included in line 4:

4a. Real estate taxes

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

4c. Home maintenance, repair, and upkeep expenses

4d. Homeowner's association or condominium dues

4.

4a.

4b.

4c.

4d.

$1,490.00

$0.00

$36.00

$0.00

$0.00

Official Form 106J Schedule J: Your Expenses page 1

❑

❑

Schedule J: Your Expenses 12/15

❑✔

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❑

❑

❑✔

❑

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❑

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❑

❑

❑

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Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 17 of 21
Debtor 1 Sherri Harris

First Name Middle Name Last Name

Case number (if known) 18-13633

Your expenses

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

6. Utilities:

6a. Electricity, heat, natural gas

6b. Water, sewer, garbage collection

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

6d. Other. Specify: Cell Phones

6a.

6b.

6c.

6d.

$150.00

$40.00

$189.00

$40.00

7. Food and housekeeping supplies 7. $324.00

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

9. Clothing, laundry, and dry cleaning 9. $100.00

10. Personal care products and services 10. $100.00

11. Medical and dental expenses 11. $80.00

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

Do not include car payments. 12. $260.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $30.00

14. Charitable contributions and religious donations 14. $100.00

15. Insurance.

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

15a. Life insurance

15b. Health insurance

15c. Vehicle insurance

15d. Other insurance. Specify: 

15a.

15b.

15c.

15d.

$0.00

$0.00

$185.00

$0.00

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

Specify: Car Tax 16. $30.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1

17b. Car payments for Vehicle 2

17c. Other. Specify: 

17d. Other. Specify: 

17a.

17b.

17c.

17d.

$580.00

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

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

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

Specify: 19. $0.00

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

20a. Mortgages on other property

20b. Real estate taxes

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

20d. Maintenance, repair, and upkeep expenses

20e. Homeowner’s association or condominium dues

20a.

20b.

20c.

20d.

20e.

$0.00

$0.00

$0.00

$0.00

$0.00

Official Form 106J Schedule J: Your Expenses page 2

Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 18 of 21
Debtor 1 Sherri Harris

First Name Middle Name Last Name

Case number (if known) 18-13633

21. Other. Specify: 21. + $0.00

22. Calculate your monthly expenses.

22a. Add lines 4 through 21.

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

22c. Add line 22a and 22b. The result is your monthly expenses.

22a.

22b.

22c.

$3,734.00

$0.00

$3,734.00

23. Calculate your monthly net income.

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

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

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

The result is your monthly net income.

23a.

23b.

23c.

$3,924.14

– $3,734.00

$190.14

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:

Ongoing Medicals

Official Form 106J Schedule J: Your Expenses page 3

❑

❑✔

Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 19 of 21
 Label Matrix for local noticing Potomac Club Owners Association, Inc. Unit Owners Association of The Residences at 

 0422-1 c/o Chadwick Washington, et al c/o Chadwick, Washington, et al. 

 Case 18-13633-BFK 3201 Jermantown Road 3201 Jermantown Road 

 Eastern District of Virginia Suite 600 Suite 600 

 Alexandria Fairfax, VA 22030-2879 Fairfax, VA 22030-2879 

 Tue Nov 27 13:24:44 EST 2018 

 United States Bankruptcy Court Ally Bank Ally Financial 

 200 South Washington Street PO Box 130424 Po Box 380901 

 Alexandria, VA 22314-5405 Roseville MN 55113-0004 Bloomington, MN 55438-0901 

 

 Bako Buckeye Ambulance Capital Accounts 

 6240 Shiloh Rd. 4601 Gateway Circle PO Box 140065 

 Alpharetta, GA 30005-8347 Dayton, OH 45440-1713 Nashville, TN 37214-0065 

 Comprehensive Primary Care & Assoc Convergent/T-mobile Credit One Bank 

 15825 Shady Grove Rd Ste 140 800 SW 39th St/PO Box 9004 PO Box 98873 

 Rockville, MD 20850-4015 Renton, WA 98057-9004 Las Vegas, NV 89193-8873 

 DC Fire and EMS Department DC Gov’t / Professional Account Mgmt Dynamic Foot and Ankle Center LLC 

 PO Box 27767 PO Box 37038 ATTN: 155431 

 Washington, DC 20038-7767 Washington, DC 20013-7038 PO Box 14000 

 Belfast, ME 04915-4033 

 Emergency Medicine Spec Global Credit Network/Comprehensive Primary Great Lakes Higher Education 

 PO Box 145406 PO Box 3097 PO Box 7860 

 Cincinnati, OH 45250-5406 Gaithersburg, MD 20885-3097 Madison, WI 53707-7860 

 IC System/Banfield Pet Hospital IRS Hon. Jeff Session 3 of 3 IRS c/o US Attorney 2 of 3 

 PO Box 64378 10th St & Constitution Ave NW, Rm 6313 2100 Jamieson Ave 

 Saint Paul, MN 55164-0378 Washington, DC 20530-0001 Alexandria, VA 22314-5794 

 Inova Internal Revenue Service Kettering Health Network 

 2990 Telestar Court Po Box 7346 PO Box 33163 

 Falls Church, VA 22042-1207 Philadelphia, PA 19101-7346 Detroit, MI 48232-5163 

 Navient Navient Navient Solutions, LLC on behalf of 

 PO Box 9533 PO Box 9655 Educational Credit Management Corporatio 

 Wilkes Barre, PA 18773-9533 Wilkes Barre, PA 18773-9655 PO BOX 16408 

 St. Paul, MN 55116-0408 

 Potomac Club Owner’s Association, Inc. Potomac Club and Residents of Potomac Club Radiology Associates of Maryland 

 c/o Chadwick Washington, et al. 2180 Potomac Club Pkwy 14995 Shady Grove Rd Ste 140 

 3201 Jermantown Rd., Suite 600 Woodbridge, VA 22191-4033 Rockville, MD 20850-8734 

 Fairfax, VA 22030-2879 

Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 20 of 21
 Suburban Credit/Dynamic Foot & Ankle (p)T MOBILE The Radiology Clinic 

 PO Box 30640 C O AMERICAN INFOSOURCE LP PO Box 175 

 Alexandria, VA 22310-8640 4515 N SANTA FE AVE Northumberland, PA 17857-0175 

 OKLAHOMA CITY OK 73118-7901 

 

 Transworld Systems/Emergency Medicine Specia US Dept of Education/GLE Virginia Department of Taxation 

 PO Box 15618 2401 International Po Box 2156 

 Wilmington, DE 19850-5618 PO Box 7859 Richmond, VA 23218-2156 

 Madison, WI 53707-7859 

 Washington Gas John P. Fitzgerald, III Robert R. Weed 

 PO Box 37747 Office of the U.S. Trustee - Region 4 Law Offices Of Robert Weed 

 Philadelphia, PA 19101-5047 1725 Duke Street 1376 Old Bridge Rd 

 Suite 650 Suite 101-4 

 Alexandria, VA 22314-3489 Woodbridge, VA 22192-2708 

 

 Sherri Harris Thomas P. Gorman 

 2300 Vantage Dr. Apt 2007 300 N. Washington St. Ste. 400 

 Woodbridge, VA 22191-4160 Alexandria, VA 22314-2550 

 The preferred mailing address (p) above has been substituted for the following entity/entities as so specified 

 by said entity/entities in a Notice of Address filed pursuant to 11 U.S.C. 342(f) and Fed.R.Bank.P. 2002 (g)(4). 

 T-Mobile End of Label Matrix 

 PO Box 629025 Mailable recipients 40 

 El Dorado Hills, CA 95762 Bypassed recipients 0 

 Total 40 

Case 18-13633-BFK Doc 16 Filed 11/27/18 Entered 11/27/18 14:27:59 Desc Main

 Document Page 21 of 21