Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Nicole Culbreth Case Number 19-32938-KRH

Chapter 13 Debtor

IN THE UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

In re: Nicole Culbreth Case Number 19-32938-KRH

Debtor. Chapter 13 

Address: 468 Hollybrook Ridge Lane

 Richmond, VA 23223

SSN: xxx-xx- 8956

 

AMENDED NOTICE OF MOTION 

Nicole Culbreth, (“the Debtor”), by counsel, has filed an Amended Motion to 

Extend Automatic Stay. 

Your rights may be affected. You should read these papers carefully and discuss 

them with your attorney, if you have one in this bankruptcy case. 

If you do not want the court the grant the relief sought in the motion, or if you want the 

court to consider your views on the motion, then on or before you or your attorney must: 

✓ File with the court, at the address shown below, a written request for a hearing [or 

a written response pursuant to Local Bankruptcy Rule 9013-1(H)], within 

fourteen (14) days. If you mail your request for hearing (or response) to the court 

for filing, you must mail it early enough so the court will receive it on or before

the date stated above. 

Clerk of Court 

United States Bankruptcy Court 

701 E. Broad Street, Room 4000 

Richmond, VA 23219 

Case 19-32938-KRH Doc 11 Filed 06/14/19 Entered 06/14/19 15:34:57 Desc Main

 Document Page 1 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Nicole Culbreth Case Number 19-32938-KRH

Chapter 13 Debtor

You must also mail a copy to: 

Joseph Massie, III 

115 N. 1st Street 

Richmond, VA 23219-2125 

✓ Attend a hearing to be scheduled June 19, 2019 at 12:00 pm 701 E. Broad 

Street, Judge Huennekens’ Courtroom 5000, Richmond, VA 23219.

If you or your attorney do not take these steps, the court may decide that you do not oppose the 

relief sought in the motion and may enter an order granting that relief. 

June 6, 2019 /s/: Joseph Massie, III

 Joseph Massie, III 

 115 N. 1st Street 

 Richmond, VA 23219-2125 

 (804) 644-4878 (T) 

 (804) 644-4874 (F) 

CERTIFICATE OF SERVICE

I hereby certify that on June 6, 2019, I sent, electronically, or mailed a true and exact 

copy of the foregoing AMENDED NOTICE OF MOTION to all necessary parties. 

June 6, 2019 RESPECTFULLY SUBMITTED 

Nicole Culbreth

 By: /s/: Joseph Massie, III

Joseph Massie, III 

115 N. 1st Street 

Richmond, VA 23219-2125 

 (804) 644-4878 (T) 

 (804) 644-4874 (F) 

Case 19-32938-KRH Doc 11 Filed 06/14/19 Entered 06/14/19 15:34:57 Desc Main

 Document Page 2 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Nicole Culbreth Case Number 19-32938-KRH

Chapter 13 Debtor

IN THE UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

In re: Nicole Culbreth Case Number 19-32938-KRH

Debtor. Chapter 13 

AMENDED MOTION TO EXTEND AUTOMATIC STAY AND MEMORANDUM IN 

SUPPORT THEREOF

COMES NOW, Nicole Culbreth, (“the Debtor”), by Counsel, and offer the following in 

support of her Amended Motion to Continue the Automatic Stay:

1. On June 1, 2019, the Debtor filed in the Honorable Court a petition for relief under Chapter 

13 of Bankruptcy Code 11 USC § 362(c)(3)(B) et seq. 

2. Debtor filed for bankruptcy on January 16, 2018 with case number 18-30220-KLP. 

3. Case number 18-30220-KLP was dismissed on March 1, 2019.

4. Respectfully, the prior case was pending within one year of the filing of this instant case, thus 

triggering the provision of 11 U.S.C. §§ 362 (1) (3).

5. Because the instant case was filed within one (1) year of the dismissal of the prior case, the automatic 

stay will expire in the instant case on (Janaury 16, 2018 + 30 DAYS) unless the Court extends the 

automatic stay pursuant to 11 U.S.C. §362 (c)(4)(B) Pursuant to the provisions of the Bankruptcy Abuse 

Prevention and Consumer Protection Act of 2005 (“BAPCPA”), the Debtor must demonstrate to the 

Court that the second case was filed in good faith in order to obtain an extension of the automatic stay 

pursuant to 11 U.S.C. §362 (c)(4)(B). 

6. July 11, 2013 case number 13-33775-KRH was filed.

7. Case number 13-33775-KRH was dismissed on June 16, 2016 and terminated September 12, 

2016.

8. In the instant case of 19-32938-KRH, Ms. Culbreth: propose a Chapter 13 Plan (the “Plan”) that 

commits all of her disposable income $700.00 per month, to paying the Trustee for a period of 60

months. Total payments required pursuant to the Plan equal $42,000.00.

9. Priority Creditors, the Plan proposes the following:

Case 19-32938-KRH Doc 11 Filed 06/14/19 Entered 06/14/19 15:34:57 Desc Main

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Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Nicole Culbreth Case Number 19-32938-KRH

Chapter 13 Debtor

a. The total claim is $59,432.68 and Chapter 13 plan to pay out the priority claim to IRS in the 

amount of $ 16, 599.21.

b. The total claim is $14,235.33 and Chapter 13 plan to pay out the priority claim to VA 

Department of Taxation in the amount of $6,878.33.

10. Other than administrative expenses, the Plan proposes the following:

a. To pay out the secured claim to Westlake Financial Services, 2009, Lexus RX 350, 

9,800 miles in the amount of $10, 000.00 with 5.0% interest.

11. In evaluating a Debtor(s)good faith in filing bankruptcy, Courts within the Fourth Circuit are given 

broad discretion, but are directed to look to “the totality of the circumstances... on a case by case basis.” 

Deans v. O’Donnell, 692 F.2d 968, 972 (4th Cir. 1982). Among the factors to be considered are “the 

percentage of proposed repayment, the Debtor’s financial situation, the period of time the payment will 

be made, the Debtor’s employment history and prospects, the nature and amount of unsecured claims, 

the Debtor’s past bankruptcy filings, the Debtor’s honesty in present facts, and any unusual or 

exceptional problems facing the particular Debtor.” Neufeld v. Freeman, 794 F.2d 149, 152 (4th Cir. 

1986), citing Deans v. O’Donnell, 692 F2d at 972.

12. That the Debtor wish to reorganize their debts and are able to maintain the payments to the Trustee. 

13. The period of time payment is to be made is reasonable and Debtor does not show any extraodinary 

living expenses. The Debtor’s expenses reflect a life-style that is moderate and basic.

14. In the instant case, the Debtor filed bankruptcy once within the past twelve months. 

15. In analyzing the present situation, the Debtor possess the factors that the Court considers in determining 

whether the Debtor filed this bankruptcy in good faith.

WHEREFORE, the Debtor respectfully request this Honorable Court to enter an Order extending 

the automatic stay for the duration of the instant case as to all creditors. 

June 7, 2019 RESPECTFULLY SUBMITTED, 

Nicole Culbreth

By: /s/: Joseph Massie, III

Joseph Massie, III 

115 N. 1st Street 

Case 19-32938-KRH Doc 11 Filed 06/14/19 Entered 06/14/19 15:34:57 Desc Main

 Document Page 4 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Nicole Culbreth Case Number 19-32938-KRH

Chapter 13 Debtor

Richmond, VA 23219-2125 

 (804) 644-4878 (T) 

 (804) 644-4874 (F) 

CERTIFICATE OF SERVICE

I hereby certify that on June 7, 2019, I sent, electronically, or mailed a true and exact 

copy of the foregoing Amended Motion to Extend Automatic Stay to all necessary parties. 

June 7, 2019 RESPECTFULLY SUBMITTED 

 Nicole Culbreth

By /s/: Joseph Massie, III

Joseph Massie, III 

115 N. 1st Street 

Richmond, VA 23219-2125 

 (804) 644-4878 (T) 

 (804) 644-4874 (F) 

}bk1{CreditorAdresMatrix}bk{

Capital One

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Carl Bates

PO Box 1819

Richmond, VA 23219

Conduent/Bofa

Attn: Claims Department

Po Box 7051

Utica, NY 13504

Department of Education/Nelnet

Attn: Claims

Po Box 82505

Lincoln, NE 68501

Dept of Taxation

Case 19-32938-KRH Doc 11 Filed 06/14/19 Entered 06/14/19 15:34:57 Desc Main

 Document Page 5 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Nicole Culbreth Case Number 19-32938-KRH

Chapter 13 Debtor

Office of Compliance

PO Box 27407

Richmond, VA 23261

Eastern Account System, Inc.

Attn: Bankruptcy

Po Box 837

Newtown, CT 06470

IRS

P.O. Box 7346

Philadelphia, PA 19101-7346

IRS

P.O. BOX 7346

Philadelphia, PA 19101

Mariner Finance

Attn: Bankruptcy

8211 Town Center Drive

Nottingham, MD 21236

no name on CR Liability

Office of US Trustee

701 E. Broad Street

Suite 4300

Richmond, VA 23219

Orange Lake Resorts

Attn: Bankruptcy

9271 South John Young Parkway

Orlando, FL 32819

Patrick R. Pettitt, Esq

3 Ruckman Road

Fort Monroe, VA 23651

Quality Asset Recovery

Attn: Bankruptcy

Case 19-32938-KRH Doc 11 Filed 06/14/19 Entered 06/14/19 15:34:57 Desc Main

 Document Page 6 of 7
Massie Law Firm, PC 

Joseph Massie, III, Esquire (Bar No. 35472) 

115 N. 1st Street 

Richmond, VA 23219 

(804) 644-4878 (T) 

(804) 644-4874 (F) 

jmassie@massielawfirm.com

In re: Nicole Culbreth Case Number 19-32938-KRH

Chapter 13 Debtor

Po Box 239

Gibbsboro, NJ 08026

Receivables Management Group

Attn: Bankruptcy

2901 University Ave. Suite #29

Columbus, GA 31917

US Dept of Education

Attn: Bankruptcy

Po Box 16448

Saint Paul, MN 55116

USDOE/GLELSI

Attn: Bankruptcy

Po Box 7860

Madison, WI 53707

Wells Fargo Bank

Attn: Bankruptcy

Po Box 10438

Des Moines, IA 50306

Westlake Financial Services

Attn: Bankruptcy

Po Box 76809

Los Angeles, CA 90054

Case 19-32938-KRH Doc 11 Filed 06/14/19 Entered 06/14/19 15:34:57 Desc Main

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