KIMBERLY A. CHANDLER, VSB# 47897

CHANDLER LAW FIRM

P.O. Box 17586 

Richmond, VA 23226 

Office: (804) 353-1971 

Fax: (804)723-0954 

Counsel for Debtor(s)

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

In re: Case No. 20-33177-KRH

 Kandise Nadine Lucas 

514 East Williamsburg Road 

 Sandston, VA 23150 

 SSN/ITTN: xxx-xx-2827 

 Debtor Chapter 13 

 

ORDER GRANTING DEBTOR’S MOTION TO APPROVE 

LOAN MODIFICATION FOR REAL PROPERTY 

 This matter comes before the Court on the Debtor’s Motion to Approve the fully 

executed Loan Modification Secured by Real Property. In consideration thereof, the Court makes 

these FINDINGS: 

1. That Debtors have complied with Local Bankruptcy Rule 9013-1 and the notice 

provisions required by Bankruptcy Rules 4001 and 9014. 

2. That no parties in interest have filed any timely objection to the Debtors’ motion. 

3. That Servbank, SB, shall be allowed to record the fully executed loan 

modification within the land records of the County of Prince George. 

3. That the following stated terms were disclosed to Debtor when she obtained an 

offer from Servbank, SB for a loan modification (hereinafter the “Loan Modification”) to be 

secured by a first priority lien on the following real property: 10906 Sassafras Drive Hopewell, 

VA 23860 (hereinafter the “Property”) in the amount of $39,887.88 (the “Modified Principal 

Balance”). A full legal description of the Real Property is as follows: 

Case 20-33177-KRH Doc 138 Filed 09/25/24 Entered 09/26/24 00:16:35 Desc

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It appearing to the Court to be just and in the best interests of the parties to allow Debtors’ 

motion, subject to the terms stated herein above it is hereby, 

 ORDERED that the Debtors’ Motion is hereby GRANTED, and it is further 

 ORDERED that the Debtor(s) may enter into the Loan Modification and execute such 

documents as are necessary to complete the transaction, including but not limited to a deed of 

trust lien on the Property, and it is further 

 ORDERED that the terms of the Loan Modification are approved as follows: 

a. Principal Balance of loan before new loan modification is 

$34,117.86;

b. Principal Balance of loan after loan modification is 

$39,887.88 (inclusive of pre-petition and post-petition 

arrears and unpaid interest); 

c. Interest rate is before loan modification 7.375%; 

d. Interest rate is after loan modification 6.875%;

e. Maturity Date before loan modification 7/1/2031; 

f. Maturity Date after loan modification 6/1/2054;

g. Monthly payment before loan modification $950.04; 

including principal, interest and escrow; 

h. Monthly payment after loan modification $262.03 

including principal, and interest; and the additional 

estimated escrow of approximately $340.16; 

i. The modification results in a lower monthly payment. 

Future plan payments will not increase, given debtor is 

below median. 

 ORDERED that upon modification of the loan, Servbank, SB shall amend their Proof of 

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Claim appropriately; and it is further 

ORDERED that the Trustee shall treat the remaining balance if any of the secured 

mortgage arrearages claim of Servbank, SB, as paid outside of the plan pursuant to the approved 

loan modification immediately upon entry of the order, and it is further 

ORDERED that the Clerk shall mail copies of this Order, once entered, to all parties on 

the attached service list. 

Date: _____________ _____________________________ 

United States Bankruptcy Judge 

Entered on Docket: ___________________ 

Sep 22 2024 /s/ Kevin R Huennekens

 Sep 23 2024

Case 20-33177-KRH Doc 138 Filed 09/25/24 Entered 09/26/24 00:16:35 Desc

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I ask for this: 

/s/ Kimberly A. Chandler 

KIMBERLY A. CHANDLER, VSB# 47897

CHANDLER LAW FIRM

P.O. Box 17586 

Richmond, VA 23226 

Office: (804) 353-1971 

Fax: (804) 723-0954 

Counsel for Debtor(s) 

Endorsed by: 

/s/ Carl M. Bates 

Carl M. Bates, Trustee 

P.O. Box 1819 

Richmond, VA 23218-1819 

Case 20-33177-KRH Doc 138 Filed 09/25/24 Entered 09/26/24 00:16:35 Desc

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CERTIFICATION 

 Pursuant to Local Rule 9022-1(C), I hereby certify that a true copy of the foregoing order 

has been either endorsed by all necessary parties and/or was served via electronic mail or mailed 

via first class mail, postage pre-paid, to all necessary parties set forth in the certificate of service 

filed with the Motion. 

/s/ Kimberly A. Chandler 

KIMBERLY A. CHANDLER, VSB# 47897

PARTIES TO RECEIVE COPIES 

Chandler Law Firm 

P.O. 17586 

Richmond, VA 23226 

Carl M. Bates, Trustee 

P.O. Box 1819 

Richmond, VA 23218-1819 

Office of the U.S. Trustee 

P.O. Box 2246 

Richmond, VA 23217-2246 

Servbank, SB 

3138 E. Elwood St 

Phoenix, AZ 85034-7210 

Kandise Nadine Lucas 

514 East Williamsburg Road 

Sandston, VA 23150 

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United States Bankruptcy Court

Eastern District of Virginia

In re: Case No. 20-33177-KRH

Kandise Nadine Lucas Chapter 13

Debtor

CERTIFICATE OF NOTICE

District/off: 0422-7 User: halllinda Page 1 of 2

Date Rcvd: Sep 23, 2024 Form ID: pdford11 Total Noticed: 2

The following symbols are used throughout this certificate:

Symbol Definition

+ Addresses marked '+' were corrected by inserting the ZIP, adding the last four digits to complete the zip +4, or replacing an incorrect ZIP. USPS

regulations require that automation-compatible mail display the correct ZIP.

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on Sep 25, 2024:

Recip ID Recipient Name and Address

db + Kandise Nadine Lucas, 514 East Williamsburg Road, Sandston, VA 23150-1703

TOTAL: 1

Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center.

Electronic transmission includes sending notices via email (Email/text and Email/PDF), and electronic data interchange (EDI). Electronic transmission is in Eastern

Standard Time.

Recip ID Notice Type: Email Address Date/Time Recipient Name and Address

16354197 + Email/Text: BK@servicingdivision.com

Sep 24 2024 00:24:00 Servbank, SB, 3138 E Elwood St, Phoenix,

Arizona 85034-7210

TOTAL: 1

BYPASSED RECIPIENTS 

The following addresses were not sent this bankruptcy notice due to an undeliverable address, *duplicate of an address listed above, *P duplicate of a

preferred address, or ## out of date forwarding orders with USPS.

NONE

NOTICE CERTIFICATION

I, Gustava Winters, declare under the penalty of perjury that I have sent the attached document to the above listed entities

in the manner shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and

belief.

Meeting of Creditor Notices only (Official Form 309): Pursuant to Fed .R. Bank. P.2002(a)(1), a notice containing the

complete Social Security Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains

the redacted SSN as required by the bankruptcy rules and the Judiciary's privacy policies.

Date: Sep 25, 2024 Signature: /s/Gustava Winters

CM/ECF NOTICE OF ELECTRONIC FILING

The following persons/entities were sent notice through the court's CM/ECF electronic mail (Email) system on September 23, 2024 at the address(es) listed

below:

Name Email Address

Carl M. Bates

station01@richchap13.com 

station10@richchap13.com;station03@richchap13.com;station07@richchap13.com;station06@richchap13.com

Craig Brandon Rule

on behalf of Creditor Nationstar Mortgage LLC crule@zwickerpc.com bknotices@zwickerpc.com

Daniel Kevin Eisenhauer

on behalf of Creditor Nationstar Mortgage LLC d/b/a Mr. Cooper ANHSOrlans@InfoEx.com ecfaccount@orlans.com

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District/off: 0422-7 User: halllinda Page 2 of 2

Date Rcvd: Sep 23, 2024 Form ID: pdford11 Total Noticed: 2

Gerard R. Vetter

USTPRegion04.RH.ECF@usdoj.gov 

Jason Meyer Krumbein

on behalf of Defendant Kandise Nadine Lucas jkrumbein@krumbeinlaw.com 

a30156@yahoo.com;plutzky@krumbeinlaw.com;jkrumbein@recap.email

Kimberly Alice Chandler

on behalf of Debtor Kandise Nadine Lucas kim@chandlerplc.com 

liz@chandlerplc.com;admin3@chandlerplc.com;r49700@notify.bestcase.com

Mukta Suri

on behalf of Creditor Allied First Bank SB dba Servbank POCInquiries@BonialPC.com,

Notices.Bonial@ecf.courtdrive.com;mukta.suri@bonialpc.com

Mukta Suri

on behalf of Creditor Allied First Bank SB dba ServBank POCInquiries@BonialPC.com,

Notices.Bonial@ecf.courtdrive.com;mukta.suri@bonialpc.com

Mukta Suri

on behalf of Creditor Servbank SB POCInquiries@BonialPC.com,

Notices.Bonial@ecf.courtdrive.com;mukta.suri@bonialpc.com

Susan Hope Call

on behalf of Trustee Carl M. Bates susancall@richchap13.com station15@richchap13.com

Todd Madison Ritter

on behalf of Plaintiff Amanda Simons tritter@hillrainey.com 

bankruptcy@hillrainey.com;kvillafane@hillrainey.com;tritter@hillrainey.com;thall@hillrainey.com

Todd Madison Ritter

on behalf of Creditor Amanda Simons tritter@hillrainey.com 

bankruptcy@hillrainey.com;kvillafane@hillrainey.com;tritter@hillrainey.com;thall@hillrainey.com

TOTAL: 12

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