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: ) 

 ) 

CHRISTIE MARIE LISBON ) Case No. 19-31894-KLP 

 ) Chapter 13 

 Debtor ) 

MOTION TO INCUR DEBT 

 COMES NOW, the Debtor, by counsel, and as and for her Motion to Incur Debt, states as 

follows: 

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

April 8, 2019. 

 2. The Debtor has applied for and Mechanicsville Honda has approved a loan to the 

Debtor in the amount of $19,304.27 plus interest at 14.75% per annum to be repaid with 72 equal 

monthly payments of $408.83 for the purchase of a 2018 Honda HR-V or similar vehicle. 

3. The Debtor needs to purchase the referenced vehicle because her current vehicle 

has some serious mechanical problems, and she needs a replacement vehicle to continue to travel 

to and from work and other matters. 

4. The purchase of the vehicle is in the best interest of the Debtor and will facilitate 

her ability to perform under his Chapter 13 Plan filed herein. 

 5. The Debtor’s Chapter 13 Plan has been confirmed. 

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

loan on the terms stated herein and for such other relief as the Court may deem appropriate. 

Case 19-31894-KLP Doc 32 Filed 04/02/21 Entered 04/02/21 12:36:25 Desc Main

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CHRISTIE MARIE LISBON 

 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 

CERTIFICATE OF SERVICE 

I hereby certify that on April 2, 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 the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

Case 19-31894-KLP Doc 32 Filed 04/02/21 Entered 04/02/21 12:36:25 Desc Main

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IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

CHRISTIE MARIE LISBON ) Case No. 19-31894-KLP 

 ) Chapter 13 

 Debtor ) 

NOTICE OF MOTION AND HEARING 

 The above Debtor has filed Motion to Incur Debt 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 April 14, 2021 at 10:00 a.m. at 701 E. Broad St., 

Room 5100, 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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 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: April 2, 2021 

CHRISTIE MARIE LISBON 

 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 

CERTIFICATE OF SERVICE 

I hereby certify that on April 2, 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 the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

Case 19-31894-KLP Doc 32 Filed 04/02/21 Entered 04/02/21 12:36:25 Desc Main

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 Label Matrix for local noticing UST smg Richmond Acquisitions Atlas Acquisitions LLC 

 0422-3 Office of the U. S. Trustee 492C Cedar Lane, Ste 442 

 Case 19-31894-KLP 701 East Broad St., Suite 4304 , NJ 07666-1713 

 Eastern District of Virginia Richmond, VA 23219-1849 

 Richmond 

 Fri Apr 2 10:49:26 EDT 2021 

 United States Bankruptcy Court AR Resources, Inc. Advance Financial 

 701 East Broad Street Attn: Bankruptcy ATTN: Virginia Billing 

 Richmond, VA 23219-1888 Po Box 1056 100 Oceanside Drive 

 Blue Bell, PA 19422-0287 Nashville TN 37204-2351 

 

 Allied Cash Advance Ashley Funding Services, LLC (p)ATLAS ACQUISITIONS LCC 

 5000 Nine Mile Road Resurgent Capital Services 492C CEDAR LANE SUITE 442 

 Suite A PO Box 10587 TEANECK NJ 07666-1713 

 Richmond, VA 23223-5733 Greenville, SC 29603-0587 

 Bank of Missouri Bon Secours Bon Secours 

 PO Box 89725 P.O. Box 409601 PO Box 1123 

 Sioux Falls, SD 57109-9725 Atlanta GA 30384-9601 Minneapolis, MN 55440-1123 

 Bridgecrest Bridgecrest Credit Company, LLC Cash 2 U Financial Service 

 Attn: Bankruptcy PO BOX 29018 3131 Mechanicsville Turnpike 

 7300 E Hampton Ave, Ste 100 PHOENIX, AZ 85038-9018 Richmond, VA 23223-1722 

 Mesa, AZ 85209-3324 

 Cash Net USA Cawthorn, Deskevich & Gavin Commonwealth Financial 

 P.O.Box 643990 9701 Metropolitan Court 245 Main Street 

 Cincinnati, OH 45264-0309 Suite C Scranton, PA 18519-1641 

 Richmond, VA 23236-3694 

 Commonwealth Radiology Credit Acceptance Credit One Bank 

 1508 Willow Lawn Dr. 25505 West 12 Mile Rd P.O. Box 60500 

 Ste 117 Suite 3000 City of Industry, CA 91716-0500 

 Richmond, Va. 23230-3421 Southfield, MI 48034-8331 

 Debt Recovery Solution Fingerhut First Premier Bank 

 Attn: Bankruptcy 6250 Ridgewood Road Attn: Bankruptcy 

 P.O. 9003 Saint Cloud MN 56303-0820 Po Box 5524 

 Syosset, NY 11791-9003 Sioux Falls, SD 57117-5524 

 First Virginia (p)FOCUSED RECOVERY SOLUTIONS Henrico Doctors Hospital 

 9121 Staples Mill Road 9701 METROPOLITAN COURT 1602 Skipwith Rd 

 Henrico, VA 23228-2026 STE B Henrico, VA 23229-5298 

 RICHMOND VA 23236-3690 

 Henrico Doctors Hospital IC System James River Emergency Group 

 Resurgent Capital Services PO Box 64794 P.O. Box 660827 

 PO Box 1927 Saint Paul MN 55164-0794 Dallas TX 75266-0827 

 Greenville, SC 29602-1927 

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 (p)JEFFERSON CAPITAL SYSTEMS LLC LNV Funding LVNV Funding, LLC 

 PO BOX 7999 PO Box 10497 Resurgent Capital Services 

 SAINT CLOUD MN 56302-7999 Greenville, SC 29603-0497 PO Box 10587 

 Greenville, SC 29603-0587 

 

 Medicredit Mid American Bank NPRTO South-East, LLC 

 P O 1629 5109 S Broadband Lane 256 W. Data Drive 

 Maryland Heights MO 63043-0629 Sioux Falls, SD 57108-2208 Draper, Utah 84020-2315 

 Ortho Virginia Patient First Patient First c/o Receivables Management Sys 

 1115 Boulders Parkway Ste 200 P.O. Box 758941 PO Box 73810 

 Richmond, VA 23225-4067 Baltimore, MD 21275-8941 North Chesterfield, VA 23235-8047 

 (p)PORTFOLIO RECOVERY ASSOCIATES LLC Premier Bankcard, Llc Progressive Leasing 

 PO BOX 41067 Jefferson Capital Systems LLC Assignee 256 West Data Drive 

 NORFOLK VA 23541-1067 Po Box 7999 Draper, UT 84020-2315 

 Saint Cloud Mn 56302-7999 

 Quantum3 Group LLC as agent for Receivable Management Resurgent Capital 

 CF Medical LLC 7206 Hull Street Rd Ste 211 PO Box 10497 

 PO Box 788 Richmond, VA 23235-5826 Greenville, SC 29603-0497 

 Kirkland, WA 98083-0788 

 Rolfe Emergency Physicians Speedy Cash Synchrony Bank/Care Credit 

 P.O. Box 37934 PO Box 780408 Attn: Bankruptcy Dept 

 Philadelphia, PA 19101-0000 Wichita, KS 67278-0408 Po Box 965060 

 Orlando, FL 32896-5060 

 Total Visa Transworld Sys Tuckahoe Orthopaedic Assoc. 

 P O Box 5220 500 Virginia Dr P.O. Box 71690 

 Sioux Falls, SD 57117-5220 Ste 514 Henrico, VA 23255-1690 

 Fort Washington, PA 19034-2733 

 Verizon Verizon Virginia Virgina Physicians, Inc. 

 by American InfoSource as agent 500 Technology Drive P.O. Box 487 

 4515 N Santa Fe Ave Suite 300 Mechanicsville VA 23111-0487 

 Oklahoma City, OK 73118-7901 Weldon Springs, MO 63304-2225 

 Virginia Credit Union Virginia Credit Union Inc Virginia Ear Nose & Throat 

 Attn: Bankruptcy Department PO Box 90010 3450 Mayland Court 

 Po Box 90010 Richmond, VA 23225-9010 Henrico VA 23233-1468 

 Richmond, VA 23225-9010 

 Virginia Ear Nose & Throat Associates Virginia Eye Institute Virginia Eye Institute 

 c/o Nguyen 400 Westhampton Station 8002 Discovery Drive Suite 410 

 Ballato Richmond, VA 23226-3332 Richmond, VA 23229-8601 

 2201 Libbie Ave 

 Richmond, VA 23230-2364 

 

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 irgina Physicians, Inc. Carl M. Bates Christie Marie Lisbon 

 P.O. Box 487 341 Dial 866-813-0912 Code: 8576180 4310 Mechanicsville Turnpike 

 Mechanicsville VA 23111-0487 P. O. Box 1819 Mechanicsville, VA 23111-6212 

 Richmond, VA 23218-1819 

 

 James E. Kane John P. Fitzgerald, III 

 Kane & Papa, PC Office of the US Trustee - Region 4 -R 

 1313 East Cary Street 701 E. Broad Street, Ste. 4304 

 P.O. Box 508 Richmond, VA 23219-1849 

 Richmond, VA 23218-0508 

 

 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). 

 Atlas Acquisitions LLC Focused Recovery Solutions Jefferson Capital Systems LLC 

 492C Cedar Lane, Ste 442 Attn: Bankruptcy Po Box 7999 

 Teaneck, NJ 07666 9701 Metropolitan Ct. Suite B Saint Cloud Mn 56302-9617 

 Richmond, VA 23236-0000 

 Portfolio Recovery Associates, LLC 

 POB 41067 

 Norfolk VA 23541 

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

 (u)Credit Acceptance Corp. End of Label Matrix 

 Mailable recipients 64 

 Bypassed recipients 1 

 Total 65 

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