James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone)

(804) 225-9598 (fax)

Counsel for Debtor

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

IN RE: ) 

) 

EDWIN CASTELLA CHANDLER ) Case No. 19-36701−KRH 

) Chapter 13 

Debtor ) 

MOTION TO APPROVE LOAN MODIFICATION 

COMES NOW, the Debtor, by counsel, and as and for Debtor’s Motion to Approve Loan 

Modification, states as follows: 

1. The Debtor filed this case under Chapter 13 of the U.S. Bankruptcy Code on

December 30, 2019. 

2. Freedom Mortgage Corporation is a secured creditor of the Debtor which holds a

promissory note from the Debtor (“Note”) secured by a first deed of trust on the Debtor’s real 

property at 5310 Greentree Dr., Fredericksburg, VA 22407, and further described as follows (the 

“Property”): 

All that certain lot or parcel of land, lying and being in Courtland Magisterial 

District, Spotsylvania County, Virginia, known and described as Lot 129, Section 

3, Cedarbrook Subdivision, shown on a plat of Sullivan, Donahoe and Ingalls, 

dated May 12, 1987, recorded with the deed dated August 5, 1987, and recorded 

in Plat File 1, at Page 220. 

3. The Debtor has applied for and Freedom Mortgage Corporation has approved a

modification of the Note reducing the Debtor’s monthly payment of principal, interest, and 

escrow on the Note from $1,081.09 to $980.51, decreasing the annual interest rate from 3.375% 

to 2.8750%, increasing the unpaid principal balance from $152,804.19 to $157,600.07, extending 

Case 19-36701-KRH Doc 56 Filed 12/13/21 Entered 12/13/21 11:10:18 Desc Main

Document Page 1 of 17
2 

the maturity date from November 1, 2045 to October 1, 2051, and incorporating pre-petition and 

post-petition arrearages around $4,795.88 into the modified loan. A Summary of Proposed Loan 

Modification is attached hereto and a copy of the Loan Modification is attached hereto as Exhibit 

A and is incorporated herein by this reference. 

4. The forgoing modification is in the best interest of the Debtor and will facilitate

the Debtor’s ability to perform under the Chapter 13 Plan filed herein. 

WHEREFORE, the Debtor requests that the Court enter an Order approving the 

modification of the terms of the Note as stated herein and for such other relief as the Court may 

deem appropriate. 

EDWIN CASTELLA CHANDLER 

By: /s/ James E. Kane 

Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone)

(804) 225-9598 (fax)

Counsel for Debtor

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Document Page 2 of 17
3 

CERTIFICATE OF SERVICE 

I hereby certify that on December 13, 2021, I will electronically file the foregoing 

with the Clerk of Court using the CM/ECF system, which will then send a notification of 

such filing (NEF) to all counsel of record who have signed up to receive such notification 

and by first class mail to all parties on the attached list. 

/s/ James E. Kane 

 James E. Kane 

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Document Page 3 of 17
4 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

IN RE: ) 

) 

EDWIN CASTELLA CHANDLER ) Case No. 19-36701−KRH 

) Chapter 13 

Debtor ) 

NOTICE OF MOTION AND HEARING 

The above Debtor has filed Motion to Approve Loan Modification in the above matter. 

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 have an attorney, you 

may wish to consult one.) 

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

court to consider your views on the motion, then, within twenty-one (21) days from the date of 

this Notice you or your attorney must: 

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

written response pursuant to Local Bankruptcy Rule 9013-1(H)]. If you mail your

request for a 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, to:

Clerk of Court 

United States Bankruptcy Court 

701 East Broad Street 

Richmond, VA 23219 

You must also mail a copy to: 

James E. Kane, Esquire 

Kane & Papa, P.C. 

1313 East Cary Street 

Richmond, Virginia 23219 

 Attend a hearing scheduled for January 5, 2022 at 12:00 PM at United States

Bankruptcy Court, 701 East Broad Street, Room 5000, Richmond, VA

23219. If no timely response has been filed opposing the relief requested, the

court may grant the relief without holding a hearing.

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Document Page 4 of 17
5 

 REMOTE HEARING INFORMATION:

Due to the COVID−19 public health emergency, no in-person hearings are being

held.

This hearing will take place remotely through Zoom on the date and time scheduled

herein.

To appear at the hearing, you must send, by email, a completed request form (the

“Zoom Request Form”), which is available on the Court's internet website at

www.vaeb.courts.gov, on the page titled, “Temporary Emergency Provisions

Regarding ZoomGov Remote Proceeding Access Information.” Email your

completed Zoom Request Form to the email address listed for the Judge assigned to

the case. Following receipt of your Zoom Request Form, Court staff will respond to

the email address from which the request was submitted with additional information

on how to participate through Zoom.

***The email address shall be used only to submit Zoom Request Forms. No other

matters or requests will be considered by Court staff, and under no circumstances will

any such matters or requests be brought to the Judge’s attention. Failure to comply

with these instructions may result in appropriate action, including but not limited to

the imposition of sanctions.

*** PLEASE NOTE: You MUST submit the Zoom Request Form no later than

two (2) business days prior to this hearing. Any documentary evidence the

parties wish to present at the hearing must be filed with the Court in advance of

the hearing.

 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 or objection and may enter an order granting that 

relief. 

Dated: December 13, 2021 

EDWIN CASTELLA CHANDLER 

By: /s/ James E. Kane 

Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone)

(804) 225-9598 (fax)

Counsel for Debtor

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Document Page 5 of 17
6 

CERTIFICATE OF SERVICE 

I hereby certify that December 13, 2021, I will electronically file the foregoing 

with the Clerk of Court using the CM/ECF system, which will then send a notification of 

such filing (NEF) to all counsel of record who have signed up to receive such notification 

and by first class mail to all parties on the attached list. 

/s/ James E. Kane 

 James E. Kane 

Case 19-36701-KRH Doc 56 Filed 12/13/21 Entered 12/13/21 11:10:18 Desc Main

Document Page 6 of 17
7 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

IN RE: ) 

) 

EDWIN CASTELLA CHANDLER ) Case No. 19-36701−KRH 

) Chapter 13 

Debtor ) 

Summary of Proposed Loan Modification 

Original Loan Modified Loan 

Principal Amount $152,804.19 $157,600.07 

Interest Rate 3.375% 2.875% 

Term or Maturity Date November 1, 2045 October 1, 2051 

Monthly Payment $1,081.09 $980.51 

__ 1. The Modified loan includes future payment changes or balloon payments. The 

terms of any such payment changes or balloon payments are: 

__ 2. The modification results in a higher monthly payment. The source of the funds 

used to make that payment are: _ 

_X_ 3. The modification results in a lower monthly payment. Choose one of the 

following: 

___ a. The amount of future plan payments will be increased. 

_X_b. The amount of future plan payments will not be increased. 

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Document Page 7 of 17
FBEEDOM MORTC.,ACE'' 

Box 50485, Indianapoli,, IN 46250-0485 

Edwin Chandler 

5310 Greentree Dr 

Fredericksburg, VA 22407-1687 

Re: Loan Number: 

Property Address: 

September 07, 2021 

Dear Borrower(s), 

0096228192 

5310 GREEN'IREE DR 

FREDERICKSBURG, VA 22407 

Enclosed please find two original copies of a Loan Modification Document Package and one copy for your records. 

Please review the enclosed Loan Modification Agreement. If the terms are consistent with your prior discussions 

with Freedom Mortgage Corporation ("Freedom Mortgage"), please execute both original copies in the presence of 

a notary and return all pages to Freedom Mortgage in the enclosed overnight courier envelope within 14 calendar 

days of receipt of this package. The terms of this offer are only good through 14 calendar days of receipt of this 

package. 

Please sign your name exactly as it is printed under the signature line. If two witnesses are required, the signatures 

must be from two different individuals who must print their names under their signatures. 

The Agreement changes the monthly principal and interest amount of your payment to $653.87 effective 09/07/2021. 

The taxes and insurance portion of the monthly payment is $326.64, for a total monthly payment of $980.51 due 

11/01/2021. Please note that the amount being escrowed for taxes and insurance is subject to change upon further 

analysis. 

Please be aware that if your loan has Private Mortgage Insurance (PMI), your PMI premium may be subject to 

change in conjunction with the Loan Modification Agreement. Any adjustments to the premium amount will be 

captured with the first post-modification escrow analysis. If you are currently making payments under a repayment 

agreement with Freedom M011gage, you are responsible for continuing your payments to Freedom Mortgage through 

the effective date of the Loan Modification Agreement. Failure to make the payments according to the repayment 

agreement may result in Freedom Mortgage's revocation of this loan modification offer. 

The amounts listed below are in arrears. In order to bring your loan current, the following amounts are being 

capitalized (added to the unpaid principal balance) as part of your loan modification: 

• Pre-Modification Unpaid Principal Balance: $152,804.19

• Delinquent Interest: $2,564.43

• Escrow Advances: $2,231.45

• Freedom Mortgage Advances: $0.00

• Suspense Funds Credit to Interest and/or Advances: $0.00

• Post Modification Unpaid Principal Balance: $157,600.07

In addition, late charges in the amount of $0.00 are being waived; this sum is not included in the capitalization 

amount shown above. 

We have assigned a single point of contact on your loan that is available to assist in your current mortgage needs. 

Your single point of contact is MICHELLE S., Teller Number 04004. Please do not hesitate to contact your single 

point of contact to make arrangements on your loan, ask any questions you may have, or discuss additional options 

that may be available to assist you during this important time. 

6.27 

Page I of2 4917233_192_2021 !014074920682 

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Investor Loan# 217991695 

Recording Requested By: 

Freedom Mortgage Corporation 

907 Pleasant Valley Avenue 

Mount Laurel, NJ 08054 

After Recording Return To: 

Freedom Mortgage Corporation C/O: 

M01tgage Connect Document Solutions 

6860 North Argonne Street, Unit A 

Denver, CO 80249 

APN/Tax ID: 23K3-129 

Recording Number: 1897210 

This document was prepared by Freedom Mortgage Corporation. 

_________ __:Space Above This Line For Recording Data _______ _ 

Original Principal Amount: $169,962.00 Loan Number: 0096228192 

Unpaid Principal Amount: $152,804.19 FHA Loan Number: FR 5441515737703 

New Principal Amount: $157,600.07 

Total Capitalized Amount: $4,795.88 

LOAN MODIFICATION AGREEMENT 

This Loan Modification Agreement ("Agreement") between EDWIN CASTELLA CHANDLER 

AN UNMARRIED PERSON whose address is 53 IO GREEN1REE DR, FREDERICKSBURG, 

VA 22407 ("Borrower" or "1"1

) and FREEDOM MORTGAGE CORPORATION whose

address is 907 Pleasant Valley Avenue, Mount Laurel, NJ 08054 ("Lender"), is effective 

09/07/2021. and amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the 

"Security Instrument"), made by EDWIN CASTELLA CHANDLER AN UNMARRIED 

PERSON to MERS AS NOMINEE FOR FREEDOM MORTGAGE CORPORATION for 

$169,962.00 and interest, dated 08/31/2016 and recorded on Date 09/12/2016 in Book or Liber 

____ , at page(s) ___ __ or as Document/Instrument Number 160015617, in the 

Records of Spotsylvania, VIRGINIA, and (2) the Note bearing the same date as and secured by 

the Security lnstnunent, which was entered into as security for the performance of the Note and 

encumbers the real and personal property described and defined in the Security Instrument as the 

"Property," located at 5310 GREENTREE DR FREDERICKSBURG, VA 22407. See Exhibit 

A/or Legal Description 

Important Disclosures: The Federal Housing Administration (FHA) requires that Lender provide 

you with information designed to help you understand the modified mortgage terms that are being 

offered to you. Lender is required to provide you with clear and understandable written 

information about the terms, costs, and risks of the modified mortgage in a timely manner to 

1 If more than one Borrower or Mortgagor is executing this document, each is referred to as

"Borrower" or "I." For purposes of this document, words signifying the singular (such as 

"Borrower" or "I") shall include the plural (such as "Borrowers" or "we") and vice versa where 

appropriate. 

Pase I 

111111111111 IIIII IIIII IIIII IIIII IIIII IIIII IIII IIII IIII II 111111111111111 Ill 11111111111111111 Ill 111 1111111111111111111111111111 IIII IIII 

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Document Page 9 of 17
enable Borrower to make informed decisions. This information is included below. Please read it 

carefully. 

If my representations in Section 1 below continue to be true in all material respects, then this Loan 

Modification Agreement ("Agreement") will, as set forth in Section 3 below, amend and 

supplement (1) the Mortgage on the Property and (2) the Note secured by the Mortgage. The 

Mo11gage and Note together, as they may previously have been amended, are referred to as the 

"Loan Documents". Capitalized terms used in this Agreement and not defined here have the 

meaning given to them in the Loan Documents. If there is more than one borrower or mortgagor 

executing this document, each is referred to as "I". Words signifying the singular (such as "I") 

shall include the plural (such as "we") and vice versa where appropriate. 

This Agreement will not take effect unless the preconditions set forth in Section 2 below have 

been satisfied. 

1. My Representations. I certify, represent to Lender, and agree as follows:

A. The Property has no more than four units.

B. The Prope1iy currently has no materially adverse physical condition(s).

C. [ intend to continue to live in the Property as my primary residence.

D. I do not have any other FHA-insured mortgage.

E. If l received a discharge in a Chapter 7 Bankruptcy proceeding subsequent to the

execution of the Loan Documents, Lender agrees that I will not have personal liability on

the debt pursuant to this Agreement.

2. Acknowledgements and Preconditions to Modification. I understand and acknowledge

that:

A. Prior to the Modification Effective Date as set forth in Section 3 below, if Lender

determines that any of my representations in Section 1 above are no longer true and

correct, the Loan Documents will not be modified and this Agreement will terminate. In

that event, Lender will have all of the rights and remedies provided by the Loan

Documents.

B. The Loan Documents will not be modified unless and until (1) Lender approves this

Agreement and (2) the Modification Effective Date (as defined in Section 3 below) has

occurred. In addition, Lender will not be obligated to modify the Loan Documents if I fail

to meet any of the requirements under this Agreement.

3. The Modification. If all of my representations in Section 1 above continue to be true in all

material respects and all preconditions to the modification set forth in Section 2 above have

been met, the Loan Documents will automatically become modified on 09/07/2021 (the

"Modification Effective Date") and all unpaid late charges that remain unpaid will be waived.

Page 2 

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Document Page 10 of 17
If I have failed to make any payments that are a precondition to this modification, this 

modification will not take effect. 

A. The new Maturity Date will be 10/01/2051.

B. As of the Modification Effective Date, the new principal balance of my Note is

$157,600.07 (the "New Principal Balance").

C. Interest at the fixed rate of 2.875% will begin to accrue on the New Principal Balance as

of J0/0 I /2021 and my first new monthly payment on the New Principal Balance will be

due on 1 1/01/2021. My fully amortizing payment schedule for the modified Loan is as

follows:

Monthly Estimated 

Principal and Monthly 

Interest Escroll' Total Number of 

Payment Payment Monthly Payment Monthly 

Years Interest Rate Amount Amount• Payment* Begin� On Payments 

30 2,875% $653.87 $326,64, $980.51, J J/01/2021 360 

may adjust may adjust 

periodically periodic a Uy 

* The escrow payments may be adjusted periodically in accordance with applicable law.

Therefore, my total monthly payment may change accordingly.

The total monthly payment amount shown does not include the cost for any optional 

products that may be on the mortgage loan. 

The terms in this Section 3.C. supersede any provisions to the contra1y in the Loan 

Documents, including (but not limited to) provisions for an adjustable-or step-interest 

rate 

D. I wi 11 be in Default if I do not comply with the terms of the Loan Documents, as modified

by this Agreement.

E. The interest rate set forth in Section 3.C. above shall apply even in the event of default

and if the Loan Documents permitted a default rate of interest.

4. Additional Agreements. Lender and I agree to the following:

A. I authorize Lender to attach an Exhibit A to this loan modification, which will include a

Legal Description, recording information of the original security instrument, and any

other relevant information required by a County Clerk's Office to allow for recording if

and when recording becomes necessary for Lender.

B. All persons, or their authorized representative(s), who signed the Loan Documents have

signed this Agreement, unless (1) a borrower or co-borrower is deceased; (2) the

borrower and co-borrower are divorced and the property has been transferred to one

Page 3 

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Document Page 11 of 17
spouse in the divorce decree, meaning that the spouse who no longer has an interest in the 

property need not sign this Agreement (although the non-signing spouse may continue to 

be held liable for the obligation under the Loan Documents); or (3) Lender has waived 

this requirement in writing. This Agreement may be executed in separate counterparts, 

each of which shall be deemed an original. 

C. This Agreement supersedes the terms of any modification, forbearance, trial modification

payment plan, or loan workout plan that I previously entered into with Lender.

D. l will comply, except to the extent that they are modified by this Agreement, with all

covenants, agreements, and requirements of the Loan Documents, including my

agreement to make all payments of taxes, insurance premiums, assessments, escrow

items, impounds, and all other payments, the amount of which may periodically change

over the term of my Loan.

E. The Loan Documents are composed of duly valid, binding agreements, enforceable in

accordance with their terms and are hereby reaffirmed.

F. All terms and provisions of the Loan Documents, except as expressly modified by this

Agreement, remain in full force and effect. Nothing in this Agreement satisfies or

releases in whole or in part any of the obligations contained in the Loan Documents.

Except as otherwise specifically provided in, and as expressly modified by, this

Agreement, Lender and I will be bound by, and will comply with, all of the terms and

conditions of the Loan Documents.

G. On and after the Modification Effective Date, and notwithstanding any other provision of

the Loan Documents, if all or any part of the Property or any interest in it is sold or

transferred without Lender's prior written consent, Lender may, at its option, require

immediate payment in full of all sums secured by the Mortgage. However, Lender shall

not exercise this option if state or federal law, rules, or regulations prohibit the exercise

of such option as of the date of such sale or transfer. If Lender exercises this option,

Lender shall give me notice of acceleration. The notice shall provide a period of not less

than 30 days from the date the notice is delivered or mailed within which I must pay all

sums secured by the Mortgage. If I fail to pay these sums prior to the expiration of this

period, Lender may invoke any remedies permitted by the Mortgage without further

notice to, or demand on, me.

H. On and after the Modification Effective Date, Lender will allow the transfer and

assumption of the Loan, including this Agreement, only as permitted under FHA

guidelines. Except as noted herein, this Agreement may not be assigned to, or assumed

by, a buyer or transferee of the Property.

I. On and after the Modification Effective Date, any prov1s1on in the Note (or in any

addendum or amendment to the Note) that allowed for the assessment of a penalty for full

or partial prepayment of the Note, is null and void.

J. [ will cooperate fully with Lender in obtaining any title endorsement(s), or similar title

insurance product(s), and/or subordination agreement(s) that are necessary or required by

Paie 4 

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Document Page 12 of 17
Lender's procedures to ensure that the modified mortgage loan is in first-lien position 

and/or is fully enforceable upon modification. Under any circumstance and not 

withstanding anything else to the contrary in this Agreement, if Lender does not receive 

such title endorsement(s), title insurance product(s), and/or subordination agreement(s), 

the terms of this Agreement will not become effective on the Modification Effective Date 

and the Agreement will be null and void. 

I will execute such other documents as may be reasonably necessary either to (1) 

consummate the terms and conditions of this Agreement or (2) correct the terms and 

conditions of this Agreement if an error is detected after execution of this Agreement. 

Lender may declare this Agreement void and of no legal effect upon notice of such error. 

If I sign a co1Tected Agreement, Lender will provide a copy of such Agreement to me. If I 

elect not to sign such corrected Agreement, at Lender's sole option, (x) the terms of the 

original Loan Documents shall continue in full force and effect and (y) the terms of the 

original Loan Documents will not be modified by this Agreement. 

K. Lender may collect and record personal information, including, but not limited to, my

name, address, telephone number, social security number, credit score, income, payment

history, government monitoring information, and information about account balances and

activity. In addition, I understand and consent to the disclosure all of this information and

the terms of this Agreement by Lender to (1) any government entity that regulates

Lender; (2) any investor, insurer, guarantor, or servicer that owns, insures, guarantees, or

services my first-lien or subordinate-lien (if applicable) mortgage loan(s); (3) companies

that perform support services for the FHA and ( 4) any HUD-certified housing counseling

agency.

L. If any document related to the Loan Documents and/or this Agreement is lost, misplaced,

misstated, inaccurately reflects the true and correct terms and conditions of the loan as

modified, or is otherwise missing, I will comply with Lender's request to execute,

acknowledge, initial, and deliver to Lender any documentation Lender deems necessary.

If the original promissory note is replaced, Lender hereby indemnifies me against any

loss associated with a demand on the original note. All documents that Lender requests of

me under this section shall be referred to as the "Documents". I will deliver the

Documents within ten days after I receive Lender's written request for such replacement.

Page 5 

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Document Page 13 of 17
NOTlCE: THE DEBT SECURED HEREBY IS SUBJECT TO CALL IN 

FULL OF THE TERMS THEREOF BEING MODIFIED IN THE EVENT 

OF SALE OR CONVEYANCE OF THE PROPERTY CONVEYED. 

By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security 

Instrument an�n any rider(s) executed by Borrower and recorded with it. 

&JnM�ac� 

Edwin Castell a Chandler 

(Must be signed exactly as printed) 

/1) I 11 I 1.l'J-( 

Signature Date (MM/DD/YYYY) 

�""'" 

'Ce below this line for Acknowledgement} __________ _

STATE OF 

COUNTY OF ..,,_4,.£.--l-L-J-.--"'----'-''--1-1-__,,,___.�LJ_L..J...----=-

On the iJ day of c:_ in the year� before me, the

undersigned, a Notary Public in and for said State, personally appeared Edwin astella handler, 

personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) 

whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they 

executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on 

the instrument, the person or entity upon behalf of which the person or entity acted, executed the 

instrument 

WITNESS my hand and official seal. 

(Signature) (Notary Public Seal) 

(Please ensure seal does not overla1> any language or print) 

Notary Public: _____________(

____ _ Printed Name)

Notary commission expires: _____________ _ 

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Document Page 14 of 17
}bk1{Credito AresMatix}bk{

Capital One

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Cbe Group

Attn: Bankruptcy

1309 Technology Parkway

Cedar Falls, IA 50613

CCS

Payment Processing Center

P.O. Box 55126

Boston, MA 02205

Comcast

PO Box 3001

Southeastern, PA 19398

Credit Acceptance

25505 W. Twelve Mile Rd

Ste. 3000

Southfield, MI 48034

Credit One Bank

P.O. Box 98873

Las Vegas, NV 89193

Dept of Ed / Navient

Attn: Claims Dept

Po Box 9635

Wilkes Barr, PA 18773

DirectTV

PO Box 105261

Atlanta, GA 30348

Diversified Consultants, Inc.

PO Box 551268

Jacksonville, FL 32255-1268

First Premier Bank

Attn: Bankruptcy

Po Box 5524

Sioux Falls, SD 57117

Case 19-36701-KRH Doc 56 Filed 12/13/21 Entered 12/13/21 11:10:18 Desc Main

Document Page 15 of 17
Freedom Mortgage Corporation

Attn: Bankruptcy

Po Box 50428

Indianapolis, IN 46250

INOVA/Alexandria Hospital

PO Box 37022

Baltimore, MD 21297

M&T Bank

PO Box 767

Buffalo, NY 14240

M&T Bank

PO Box 64679

Baltimore, MD 21264-4679

Mariner Finance

8211 Town Center Dr

Nottingham, MD 21236

Mary Washington Healthcare

2300 Fall Hill Ave.

Suite 314

Fredericksburg, VA 22401

Mary Washington Healthcare

PO Box 419402

Boston, MA 02241

MobiLoans, LLC

P.O. Box 1409

Marksville, LA 71351

Navient

Attn: Bankruptcy

Po Box 9000

Wiles-Barr, PA 18773

Nova Cardiovascular Care

PO Box 9943

Mc Lean, VA 22102

Case 19-36701-KRH Doc 56 Filed 12/13/21 Entered 12/13/21 11:10:18 Desc Main

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OneMain Financial

Attn: Bankruptcy

601 Nw 2nd Street

Evansville, IN 47708

Plaza Services, Llc

Attn: Bankruptcy

110 Hammond Dr. Ste 110

Atlanta, GA 30328

Summit Receivables

1291 Galleria Dr.

Suite 170

Henderson, NV 89014

Synchrony Bank/Care Credit

Attn: Bankruptcy Dept

Po Box 965061

Orlando, FL 32896

United Bank

500 Virginia St East

PO Box 393

Charleston, WV 25322

Verizon

PO Box 15124

Albany, NY 12212

Wells Fargo

420 Montgomery Street

San Francisco, CA 94108

Wells Fargo Dealer Services

Attn: Bankruptcy

Po Box 19657

Irvine, CA 92623

Case 19-36701-KRH Doc 56 Filed 12/13/21 Entered 12/13/21 11:10:18 Desc Main

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