Genene E. Gardner, Esq., VSB#72258

The Merna Law Group, P.C.

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Tel: (757) 340-4895

Fax: (757) 340-4894

E-mail: ggardner@mernalaw.com

IN THE UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

NORFOLK DIVISION

IN RE:

VICKIE LYNN MEGAHED CASE NO.: 20-70362-FJS

DEBTOR CHAPTER 13

NOTICE OF MOTION TO APPROVE PURCHASE NUNC PRO TUNC

Vickie Lynn Megahed by and through Counsel, has filed documents with the Court to 

approve purchase in this Chapter 13 case.

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 on or before 7 days prior to the hearing on this 

motion, 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)]. 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

600 Granby St., 4th Fl.

Norfolk, VA 23510

You must also mail a copy to:

Genene E. Gardner, Esq.

The Merna Law Group, P.C.

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 1 of 8
Genene E. Gardner, Esq., VSB#72258

The Merna Law Group, P.C.

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Tel: (757) 340-4895

Fax: (757) 340-4894

E-mail: ggardner@mernalaw.com

Kelly M. Barnhart

Chapter 13 Trustee

7021 Harbour View Blvd., Ste. 101

Suffolk, VA 23435

Vickie Lynn Megahed

14 Wayland Drive

Portsmouth, VA 23703

( ) Attend a hearing to be scheduled at a later date. You will receive separate notice of hearing. 

If no timely response has been filed opposing relief requested, the court may grant the 

relief without holding a hearing.

(X) Attend the hearing on the motion (or objection) scheduled to be held on Tuesday, April 2, 

2024 at 10:00 a.m. Chief Judge Santoro’s Courtroom, 600 Granby Street, 4th Floor, 

Courtroom 2, Norfolk, Virginia.

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.

Date: February 27, 2024 Signature, name, address and telephone 

number of person giving notice:

/s/ Genene E. Gardner

Genene E. Gardner, Esq. VSB#72258

The Merna Law Group, P.C.

621 N. Lynnhaven Road

Virginia Beach, VA 23452

(757) 340-4895

Attorney for Debtor

CERTIFICATE OF SERVICE

I hereby certify that a true copy of the foregoing Notice was transmitted electronically or sent by 

regular mail this 27th day of February 2024 to Kelly M. Barnhart, Chapter 13 Trustee, 7021 

Harbour View Boulevard, Suite 101, Suffolk, VA 23435; Vickie Lynn Megahed, 14 Wayland 

Drive, Portsmouth, VA 23703; via certified mail to the federally insured deposit corporations as 

listed below and to all other parties of interest as listed on the attached mailing matrix.

/s/ Genene E. Gardner

Attorney for Debtor

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 2 of 8
Genene E. Gardner, Esq., VSB#72258

The Merna Law Group, P.C.

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Tel: (757) 340-4895

Fax: (757) 340-4894

E-mail: ggardner@mernalaw.com

Comenity Bank

Ron Ostler, President

One Righter Parkway, Suite 100

Wilmington, DE 19803

The Bank of Missouri

Adrian Breen, Chairman, Pres. & CEO

916 North Kings Highway

Perryville, MO 63775

Freedom Mortgage*

CT CORPORATION SYSTEM

4701 COX ROAD, SUITE 285

Glen Allen, VA 23060-0000

JPMorgan Chase Bank, NA

James Dimon, CEO

1111 Polaris Parkway

Columbus OH 43240-2031

Capital One Financial Corporation

Richard Fairbank, Chairman, Pres. & 

CEO

1680 Capital One Drive, Suite 1400

McLean, VA 22102

Lendmark Financial Services

c/o CT Corp System

4701 Cox Road, Suite 285

Glen Allen, VA 23060

Onemain Financial*

CT CORPORATION SYSTEM

4701 COX RD STE 301

Glen Allen, VA 23060-0000

Synchrony Financial

Margaret M. Keane, President & CEO

170 West Election Road, Suite 125

Draper, UT 84020

USAA Savings Bank

Josue Robles, CEO

3773 Howard Hughes Parkway

#190n

Las Vegas, NV 89109

Wells Fargo

Thomas J. Sloan, Chairman & CEO

420 Montgomery Street

San Francisco, CA 94104

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 3 of 8
Genene E. Gardner, Esq., VSB#72258

The Merna Law Group, P.C.

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Tel: (757) 340-4895

Fax: (757) 340-4894

E-mail: ggardner@mernalaw.com

IN THE UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

NORFOLK DIVISION

IN RE:

VICKIE LYNN MEGAHED CASE NO.: 20-70362-FJS

DEBTOR CHAPTER 13

MOTION TO APPROVE PURCHASE NUNC PRO TUNC

NOW COMES the debtor, Vickie Lynn Megahed, by counsel, in support of the Motion 

states as follows:

1) This case commenced upon the filing of a voluntary petition under Chapter 13 of Title 11 

of the United States Bankruptcy Code in this Court on February 3, 2020 (“Filing Date”).

2) An amended Chapter 13 plan was filed on August 31, 2022 and was confirmed on 

October 18, 2022.

3) That the debtor seeks approval, nunc pro tunc, to purchase and therefore submits this 

Motion for approval of the following terms:

a. That the debtor requests approval to purchase a 2013 Hyundai Tucson in the 

amount of $6,200.00;

b. That the vehicle was purchased on January 30, 2024 from third-party sellers, 

Brent and Meghan Hall.

c. That the vehicle purchase was paid for with funds from a previous 401k loan; 

4) That the debtor believes that this purchase was necessary, proper, and in her best interest.

5) That the deadline to file claims expired on April 13, 2020 for non-government claims and 

on August 3, 2020 for government claims.

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 4 of 8
Genene E. Gardner, Esq., VSB#72258

The Merna Law Group, P.C.

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Tel: (757) 340-4895

Fax: (757) 340-4894

E-mail: ggardner@mernalaw.com

WHEREFORE, the debtor respectfully requests that this Motion to Purchase.

be granted as requested and for the purposes hereinabove described.

Respectfully Submitted,

Vickie Lynn Megahed

By: /s/ Genene E. Gardner

Attorney for Debtor

CERTIFICATE OF SERVICE

I hereby certify that a true copy of the foregoing Motion was transmitted electronically or sent by 

regular mail this 27th day of February 2024 to Kelly M. Barnhart, Chapter 13 Trustee, 7021 

Harbour View Boulevard, Suite 101, Suffolk, VA 23435; Vickie Lynn Megahed, 14 Wayland 

Drive, Portsmouth, VA 23703; via certified mail to the federally insured deposit corporations as 

listed below and to all other parties of interest as listed on the attached mailing matrix.

/s/ Genene E. Gardner

Attorney for Debtor

Comenity Bank

Ron Ostler, President

One Righter Parkway, Suite 100

Wilmington, DE 19803

The Bank of Missouri

Adrian Breen, Chairman, Pres. & CEO

916 North Kings Highway

Perryville, MO 63775

Freedom Mortgage*

CT CORPORATION SYSTEM

4701 COX ROAD, SUITE 285

Glen Allen, VA 23060-0000

JPMorgan Chase Bank, NA

James Dimon, CEO

1111 Polaris Parkway

Columbus OH 43240-2031

Capital One Financial Corporation

Richard Fairbank, Chairman, Pres. & 

CEO

1680 Capital One Drive, Suite 1400

McLean, VA 22102

Lendmark Financial Services

c/o CT Corp System

4701 Cox Road, Suite 285

Glen Allen, VA 23060

Onemain Financial*

CT CORPORATION SYSTEM

4701 COX RD STE 301

Glen Allen, VA 23060-0000

Synchrony Financial

Margaret M. Keane, President & CEO

170 West Election Road, Suite 125

Draper, UT 84020

USAA Savings Bank

Josue Robles, CEO

3773 Howard Hughes Parkway

#190n

Las Vegas, NV 89109

Wells Fargo

Thomas J. Sloan, Chairman & CEO

420 Montgomery Street

San Francisco, CA 94104

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 5 of 8
 Label Matrix for local noticing Aurora Financial Group, Inc. PRA Receivables Management LLC 

 0422-2 BWW Law Group, LLC POB 41067 

 Case 20-70362-FJS 8100 Three Chopt Road Norfolk, VA 23541-1067 

 Eastern District of Virginia Suite 240 

 Norfolk Richmond, VA 23229-4833 

 Mon Mar 28 09:52:07 EDT 2022 

 United States Bankruptcy Court ADS/Comenity/Wayfair ADS/Comenity/Woman Within 

 600 Granby St., Room 400 P.O. Box 182789 P.O. Box 182789 

 Norfolk, VA 23510-1915 Columbus, OH 43218-2789 Columbus, OH 43218-2789 

 

 Ad Astra Recovery Service Advance Financial 24/7 Bank of Missouri/Total Card 

 7330 W. 33rd Street N. Ste 118 100 Oceanside Drive 5109 S Broadband Lane 

 Wichita, KS 67205-9370 Nashville, TN 37204-2351 Sioux Falls, SD 57108-2208 

 Bon Secours Bon Secours Maryview Medical CB Indigo/GF 

 PO Box 1123 PO Box 277199 P.O. Box 4499 

 Minneapolis MN 55440-1123 Atlanta, GA 30384-7199 Beaverton, OR 97076-4499 

 Cash Net USA (p)FREEDOM FINANCIAL ASSET MANAGEMENT LLC Credit Control Corp 

 200 W. Jackson, Ste 1400 ATTN BANKRUPTCY DEPARTMENT P.O. Box 120568 

 Chicago, IL 60606-6929 PO BOX 2340 Newport News, VA 23612-0568 

 PHOENIX AZ 85002-2340 

 Emergency Phys of Tidewater Freedom Mortgage Freedom Mortgage Corporation 

 P.O. Box 7549 6800 Southpoint Parkway 10500 Kincaid Drive, Suite 300 

 Portsmouth, VA 23707-0549 Fishers, IN 46037-0000 Fishers, IN 46037-9764 

 Freedom Mortgage* (p)JPMORGAN CHASE BANK N A Kohls/Capital One 

 CT CORPORATION SYSTEM BANKRUPTCY MAIL INTAKE TEAM PO Box 3115 

 4701 COX ROAD, SUITE 285 700 KANSAS LANE FLOOR 01 Milwaukee, WI 53201-3115 

 Glen Allen, VA 23060-6808 MONROE LA 71203-4774 

 Lendmark Financial Services (p)LENDMARK FINANCIAL SERVICES MONTEREY FINANCIAL SERVICES LLC 

 142 Eastern Blvd 2118 USHER ST C/O MERCHANTS CREDIT SOLUTIONS 

 Essex, MD 21221-7020 COVINGTON GA 30014-2434 PO BOX 3664 

 TUSTIN,CA 92781-3664 

 Maryview Medical Center Medical Transport Merchants Acceptance Corp 

 P.O. Box 277199 P.O. Box 79865 P.O. Box 50690 

 Atlanta, GA 30384-7199 Baltimore, MD 21279-0865 Bellevue, WA 98015-0690 

 Monterey Financial Services Net Credit Onemain 

 P.O. Box 2669 200 W. Jackson Blvd. PO Box 3251 

 Carlsbad, CA 92018-2669 Ste 1400 Evansville, IN 47731-3251 

 Chicago, IL 60606-6929 

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 6 of 8
 Onemain Financial Onemain Financial* Otolaryngology 

 P.O. Box 1010 CT CORPORATION SYSTEM PO Box 936 

 Evansville, IN 47706-1010 4701 COX RD STE 301 Norfolk, VA 23501-0936 

 Glen Allen, VA 23060-6802 

 

 PayPal (p)PORTFOLIO RECOVERY ASSOCIATES LLC Portsmouth Fire Rescue & Emerg 

 P.O. Box 660433 PO BOX 41067 P.O. Box 75894 

 Dallas, TX 75266-0000 NORFOLK VA 23541-1067 Baltimore, MD 21275-5894 

 QVC Quantum3 Group LLC as agent for Quantum3 Group LLC as agent for 

 Studio Park Comenity Bank Genesis FS Card Services Inc 

 West Chester, PA 19380-4262 PO Box 788 PO Box 788 

 Kirkland, WA 98083-0788 Kirkland, WA 98083-0788 

 ROI SYNCB/PPC Sentara 

 P.O. Box 549 P.O. Box 965005 P.O. Box 1875 

 Lutherville Timonium, MD 21094-0549 Orlando, FL 32896-5005 Norfolk, VA 23501-1875 

 Shafer Law Firm Shiva Finance, LLC Speedy Cash 

 2000 Riveredge Parkway Advance Financial 4915 Moreno Avenue 

 Suite 590 c/o Glen C. Watson, III Montclair, CA 91763-1522 

 Atlanta, GA 30328-4618 P.O. Box 121950 

 Nashville, TN 37212-1950 

 

 Synchrony Bank TBOM/ATLS/Fortiva MC The Bank of Missouri 

 c/o PRA Receivables Management, LLC P.O. Box 105555 PO Box 105555 

 PO Box 41021 Atlanta, GA 30348-5555 Atlanta, GA 30348-5555 

 Norfolk VA 23541-1021 

 USAA Savings Bank Verizon WF CRD SVC 

 PO Box 33009 by American InfoSource as agent Po Box 14517 

 San Antonio, TX 78265-3009 4515 N Santa Fe Ave Des Moines, IA 50306-3517 

 Oklahoma City, OK 73118-7901 

 WF PLL Genene E. Gardner John P. Fitzgerald, III 

 P.O. Box 94435 The Merna Law Group Office of the U.S. Trustee, Region 4 -N 

 Albuquerque, NM 87199-4435 621 N. Lynnhaven Road 200 Granby Street, Room 625 

 Virginia Beach, VA 23452-5809 Norfolk, VA 23510-1819 

 R. Clinton Stackhouse Jr. Vickie Lynn Megahed 

 Chapter 12/13 Trustee 14 Wayland Drive 

 341 Dial 866-619-3642 Code: 3054410 Portsmouth, VA 23703-4232 

 7021 Harbour View Boulevard Suite 101 

 Suffolk, VA 23435-2869 

 

 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). 

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 7 of 8
 Consolidation Plus (d)Consolidation Plus (d)Freedom Financial Asset 

 1875 South Grant Street Attn Bankruptcy Dept 1875 S Grant Street 

 Suite 400 POBox 2340 Suite 400 

 San Mateo, CA 94402-0000 Phoenix, AZ 85002-2340 San Mateo, CA 94402-0000 

 

 JPMCB Card Services Lendmark Financial Services LLC Portfolio Recovery Associates, LLC 

 P.O. Box 15369 2118 Usher Street POB 41067 

 Wilmington, DE 19850-0000 Covington, Georgia 30014 Norfolk, VA 23541 

 The following recipients may be/have been bypassed for notice due to an undeliverable (u) or duplicate (d) address. 

 (u)FREEDOM MORTGAGE CORPORATION End of Label Matrix 

 Mailable recipients 55 

 Bypassed recipients 1 

 Total 56 

Case 20-70362-FJS Doc 81 Filed 02/27/24 Entered 02/27/24 16:13:16 Desc Main

Document Page 8 of 8