UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Aisha Shuvonda Sauls Case No:

This plan, dated February 4, 2021 , is:

 the first Chapter 13 plan filed in this case.

 a modified Plan, which replaces the

confirmed or  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.

(1) Richmond and Alexandria Divisions:

The Bankruptcy Court may confirm this plan without further notice if no objection to confirmation is filed.

(2) Norfolk and Newport News Divisions: a confirmation hearing will be held even if no objections have been filed.

(a) A scheduled confirmation hearing will not be convened when:

(1) an amended plan is filed prior to the scheduled confirmation hearing; or

(2) a consent resolution to an objection to confirmation anticipates the filing of an amended plan and the objecting

party removes the scheduled confirmation hearing prior to 3:00 pm on the last business day before the confirmation

hearing.

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, nonpurchase-money

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 $50.00 per month for 1 month, then $495.00 per

month for 59 months.

Other payments to the Trustee are as follows:

Page 1

Software Copyright (c) 1996-2021 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 1 of 18
 The total amount to be paid into the Plan is $ 29,255.00 .

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:

 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 $ 5,434.00 , balance due of the total fee of $ 5,434.00 concurrently with or prior to the

payments to remaining creditors.

 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

Henrico County of Dept of

Tax

Taxes and certain other debts 890.00 Prorata

18 months

Internal Revenue Service Taxes and certain other debts 3,629.00 Prorata

18 months

Virginia Dept. of Taxation Taxes and certain other debts 3,000.00 Prorata

18 months

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

-NONE4. 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

-NONEB. 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

Page 2

Software Copyright (c) 1996-2021 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 2 of 18
the interest of the debtor(s), any co-debtor(s) and the estate in the collateral.

Creditor Collateral Description Estimated Value Estimated Total Claim

-NONEC. 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:

Creditor Collateral Adeq. Protection Monthly Payment To Be Paid By

BD Auto 2018 Chevy Malibu 69470

miles

50.00 Trustee

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.

Creditor Collateral Approx. Bal. of Debt or 

"Crammed Down" Value

Interest Rate Monthly Payment & 

Est. Term

Acima Beds 200.00 0% Prorata

28 months

BD Auto 2018 Chevy Malibu 69470 miles 10,099.00 4.25% Prorata

28 months

Henrico County of Dept of

Tax

Personal Property Taxes 1,000.00 0% Prorata

28 months

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 1 %. 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 0 %.

B. Separately classified unsecured claims.

Creditor Basis for Classification Treatment

-NONEPage 3

Software Copyright (c) 1996-2021 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 3 of 18
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).

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.

Creditor Collateral Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest Rate

Estimated Cure

Period

Monthly

Arrearage

Payment

-NONEB. 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.

Creditor Collateral Regular Contract

Payment

Estimated

Arrearage

Interest Rate

on 

Arrearage

Monthly Payment on

Arrearage & Est. Term

-NONEC. 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:

Creditor Collateral Interest Rate Estimated Claim Monthly Payment & Term

-NONE7. 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

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

indicated below.

Creditor Type of Contract Arrearage Monthly Payment for

Arrears

Estimated Cure Period

Highland Woods Apartments 0.00 0months

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

Page 4

Software Copyright (c) 1996-2021 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 4 of 18
Creditor Collateral Exemption Basis Exemption Amount Value of Collateral

-NONEB. 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

-NONE9. 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 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.

Dated: February 4, 2021

/s/ Aisha Shuvonda Sauls /s/ James E. Kane

Aisha Shuvonda Sauls James E. Kane 30081

Debtor Debtor's Attorney

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.

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

Certificate of Service

I certify that on February 4, 2021 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service

List.

/s/ James E. Kane

James E. Kane 30081

Page 5

Software Copyright (c) 1996-2021 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 5 of 18
Signature

P.O. Box 508

Richmond, VA 23218-0508

Address

804-225-9500

Telephone No.

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004

I hereby certify that on February 4, 2021 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

/s/ James E. Kane

James E. Kane 30081

Page 6

Software Copyright (c) 1996-2021 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 6 of 18
Fill in this information to identify your case:

Debtor 1 Aisha Shuvonda Sauls

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number Check if this is:

(If known)  An amended filing

 A supplement showing postpetition chapter

13 income as of the following date:

Official Form 106I MM / DD/ YYYY

Schedule I: Your Income 12/15

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

 Employed

 Not employed

 Employed

 Not employed

Occupation CNA

Employer's name Travel Nurses Inc

Employer's address 9200 Arboretum Pkwy

Richmond, VA 23236

How long employed there? 1 Month

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. $ 2,465.00 $ N/A

3. Estimate and list monthly overtime pay. 3. +$ 0.00 +$ N/A

4. Calculate gross Income. Add line 2 + line 3. 4. $ 2,465.00 $ N/A

Official Form 106I Schedule I: Your Income page 1

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 7 of 18
Debtor 1 Aisha Shuvonda Sauls Case number (if known)

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 2,465.00 $ N/A

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 0.00 $ N/A

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ N/A

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ N/A

5d. Required repayments of retirement fund loans 5d. $ 0.00 $ N/A

5e. Insurance 5e. $ 0.00 $ N/A

5f. Domestic support obligations 5f. $ 0.00 $ N/A

5g. Union dues 5g. $ 0.00 $ N/A

5h. Other deductions. Specify: 5h.+ $ 0.00 + $ N/A

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

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 2,465.00 $ N/A

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. 8a. $ 0.00 $ N/A

8b. Interest and dividends 8b. $ 0.00 $ N/A

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. 8c. $ 500.00 $ N/A

8d. Unemployment compensation 8d. $ 0.00 $ N/A

8e. Social Security 8e. $ 0.00 $ N/A

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: SNAP 8f. $ 532.00 $ N/A

8g. Pension or retirement income 8g. $ 0.00 $ N/A

8h. Other monthly income. Specify: Amortized Tax Refunds 8h.+ $ 580.00 + $ N/A

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 1,612.00 $ N/A

10. Calculate monthly income. Add line 7 + line 9. 10. $ 4,077.00 + $ N/A = $ 4,077.00

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse.

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.

12. $ 4,077.00

Write that amount on the Summary of Schedules and Statistical Summary of Certain Liabilities and Related Data, if it

applies

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

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 8 of 18
Fill in this information to identify your case:

Debtor 1 Aisha Shuvonda Sauls Check if this is:

 An amended filing

Debtor 2  A supplement showing postpetition chapter

(Spouse, if filing) 13 expenses as of the following date:

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA MM / DD / YYYY

Case number

(If known)

Official Form 106J

Schedule J: Your Expenses 12/15

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. Do you have dependents?  No

Do not list Debtor 1 and

Debtor 2.

 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?

Do not state the

dependents names. Daughter 8

 No

 Yes

Son 15

 No

 Yes

Son 18

 No

 Yes

 No

 Yes

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. 4. $ 1,095.00

If not included in line 4:

4a. Real estate taxes 4a. $ 0.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 0.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 100.00

4d. Homeowner’s association or condominium dues 4d. $ 0.00

5. Additional mortgage payments for your residence, such as home equity loans 5. $ 0.00

Official Form 106J Schedule J: Your Expenses page 1

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 9 of 18
Debtor 1 Aisha Shuvonda Sauls Case number (if known)

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 290.00

6b. Water, sewer, garbage collection 6b. $ 60.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 100.00

6d. Other. Specify: Cell phones 6d. $ 350.00

7. Food and housekeeping supplies 7. $ 700.00

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

9. Clothing, laundry, and dry cleaning 9. $ 125.00

10. Personal care products and services 10. $ 100.00

11. Medical and dental expenses 11. $ 50.00

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

Do not include car payments. 12. $ 200.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 200.00

14. Charitable contributions and religious donations 14. $ 0.00

15. Insurance.

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

15a. Life insurance 15a. $ 0.00

15b. Health insurance 15b. $ 0.00

15c. Vehicle insurance 15c. $ 245.00

15d. Other insurance. Specify: 15d. $ 0.00

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

Specify: 16. $ 0.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $ 0.00

17b. Car payments for Vehicle 2 17b. $ 0.00

17c. Other. Specify: 17c. $ 0.00

17d. Other. Specify: 17d. $ 0.00

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. $ 0.00

Specify: 19.

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 20a. $ 0.00

20b. Real estate taxes 20b. $ 0.00

20c. Property, homeowner’s, or renter’s insurance 20c. $ 0.00

20d. Maintenance, repair, and upkeep expenses 20d. $ 0.00

20e. Homeowner’s association or condominium dues 20e. $ 0.00

21. Other: Specify: 21. +$ 0.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 3,615.00

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. $ 3,615.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 4,077.00

23b. Copy your monthly expenses from line 22c above. 23b. -$ 3,615.00

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

The result is your monthly net income. 23c. $ 462.00

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:

Official Form 106J Schedule J: Your Expenses page 2

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 10 of 18
}bk1{Credito AresMatix}bk{

1st Investers

380 Interstate North Parkway Sutie 300

Atlanta, GA 30339

Acima

13907 Minuteman Dr 5th Floor

Draper, UT 84020

Acs/clc College Loan C

Acs/college Loan Corp

501 Bleecker St

Utica, NY 13501

Afni

1310 Martin Luther King Dr

Bloomington, IL 61701

After Pay

Level 5/406 Collins St

Melbourne VIC 3000

Alliance One

Attn: Bankruptcy

Po Box 2449

Gig Harbor, WA 98335

America Infosource

Verizon

PO Box 248838

Oklahoma City, OK 73124

American Medical Collection Ag

4 Westchester Plaza

Elmsford, NY 10523

AmSher Collection Srv

4524 Southlake Parkway

Suite 15

Hoover, AL 35244

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 11 of 18
AmSher Collections

4524 Southlake Parkway

Suite 15

Birmingham, AL 35244-3271

Bank of America

1100 North King St

Wilmington, DE 19884

BD Auto

4218 Jefferson Davis Hwy,

Richmond, VA 23234

Bon Secours

ATTN: Bankruptcy

PO Box 409553

Atlanta, GA 30384

Bristol West Casualty Ins. Co.

5701 Stirling Road

Fort Davie, FL 33314

CG Belcor LLC

100 W FRANKLIN ST STE 100

Richmond, VA 23220

Check City

2729 B West Broad Street

Richmond, VA 23220

City of Richmond-Utilities

900 E. Broad St.

Room 115

Richmond, VA 23219

Comenity Bank

PO Box 182789

Columbus, OH 43218

Comenity Bank/Lane Bryant

Po Box 18215

Columbus, OH 43218

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 12 of 18
Convergent Outsoucing, Inc

Po Box 9004

Renton, WA 98057

County of Henrico

Andrew R. Newby

P.O. Box 90775

Henrico, VA 23273

County of Henrico Public Util

PO BOX 90775

Henrico, VA 23273

Credit One Bank

P.O. Box 60500

City of Industry, CA 91716

Credit Union of Richmond

1601 Ownby Lane

Richmond, VA 23220

Creek Wood Townhomes

430 Airport Court

Henrico, VA 23075

Department of Veterans Affair

1201 Broad Rock Blvd

Richmond, VA 23224

Dominion Power

P. O. Box 2666

ATTN Consumer Credit 18th Fl.

Richmond, VA 23261

East End VA Orthoeontics

45 West Williamsburg Road

Sandston, VA 23150

Edward S. Whitlock, Esq.

10160 Staples Mill Road, #105

Glen Allen, VA 23060

ERC/Enhanced Recovery Corp

8014 Bayberry Rd

Jacksonville, FL 32256

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 13 of 18
Fifth Street Baptist Church

2800 Third Avenue

Fletchers Jewelers

PO Box 41007

Norfolk, VA 23541-9907

Gunst Real Estate LLC

8545 Patterson Ave

Henrico, VA 23229

Hanover General District Court

7530 County Complex Rd.

Hanover, VA 23069

Henrico County General Dist.

4301 E. Parham Road

Henrico, VA 23228

Henrico County of Dept of Tax

P.O. Box 90775

Henrico, VA 23273

Henrico County of Dept of Util

P.O. Box 90775

Henrico, VA 23273

Henrico District Office

1610 Forest Avenue

Suite 200

Henrico, VA 23229

Henrico Federal Credit Union

9401 West Broad Street

Henrico, VA 23294

Highland Woods Apartments

583 E. Beal Street

Henrico, VA 23075

Hopewell General District

100 East Broadway

Hopewell, VA 23860

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 14 of 18
IC Systems, Inc

444 Highway 96 East

Po Box 64378

St Paul, MN 55164

Internal Revenue Service

Centralized Insolvency Operati

P. O. Box 7346

Philadelphia, PA 19101-7346

Kenney Wilborn Realty

109 W. Nine Mile Road

Henrico, VA 23075

Luther Sales

129 Oser Avenue

Hauppauge, NY 11788

MCV Collection Department

PO Box 980462

Richmond, VA 23298

MCV Physicians

P.O. Box 91747

Richmond, VA 23291

Midland Credit Managbement Inc

P.O. Box 60578

Los Angeles, CA 90060-0578

Navient

Attn: Claims Dept

Po Box 9500

Wilkes-Barr, PA 18773

New Kent General District Cour

12001 Courthouse Circle

New Kent, VA 23124

NPRTO South-East LLC

256 West Data Drive

Draper, UT 84020

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 15 of 18
Peritus Portfolio

PO BOX 141419

Irving, TX 75014

Pocahantas Parkway

PO Box 7693

Henrico, VA 23231

Prestige Financial Service

PO Box 26707

Salt Lake City, UT 84126

Progressive Leasing

256 West Data Drive

Draper, UT 84020

Quantum3 Group, LLC

PO Box 788

Kirkland, WA 98083

Richmond Christian School

6511 Belmont Rd

Chesterfield, VA 23832

Richmond City District Court

400 N 9th St

#203

Richmond, VA 23219

Southwest Credit Systems

4120 International Parkway

Suite 1100

Carrollton, TX 75007

Sprint Bankruptcy

PO Box 7949

Overland Park, KS 66207

TACS

P O Box 31800

Henrico, VA 23294

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 16 of 18
The Village at Fair Oaks Owner

Godwin-Jones & Price, PC

20 S. Auburn Ave

Richmond, VA 23221

University Of Phoenix

4615 E Elwood St Fl 3

Phoenix, AZ 85040

Us Dept of Ed/Great Lakes Educational Lo

2401 International

Madison, WI 53704

Usa Discounters Credit

Po Box 8008

Attn: Bankruptcy Department

Virginia Beach, VA 23450

USAA

9800 Fredericksburg Rd.

San Antonio, TX 78288

Verizon Virginia

500 Technology Drive

Suite 300

Weldon Springs, MO 63304

Verizon Wireless

P.O. Box 25505

Lehigh Valley, PA 18002

Virginia Dept. of Taxation

P O Box 2156

Richmond, VA 23218

Westlake Financial

4751 Wilshire Blvd

Suite 100

Los Angeles, CA 90010

Why Not Lease It

1750 Elm Street

Ste 1200

Manchester, NH 03104

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 17 of 18
Woodforest National Bank

PO Box 7889

Spring, TX 77387

YMCA or Richmond Child Dev Cnt

6 North 5th Street

Richmond, VA 23219

21-30372

Case 21-30372-KLP Doc 2 Filed 02/04/21 Entered 02/04/21 13:25:28 Desc Main

Document Page 18 of 18