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: ) 

 ) 

NICOLE DONNETTE STEELEY ) Case No. 19-34628-KRH 

 ) Chapter 13 

 Debtor ) 

AMENDED MOTION TO INCUR DEBT 

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

Incur Debt, states as follows: 

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

September 5, 2019. 

2. The Debtor has applied for and Movement Mortgage, LLC has approved a loan to 

the Debtor in the amount of $311,258.00 plus interest at 2.625% per annum to be repaid with 

360 equal monthly payments of approximately $1,250.17 for principal and interest ($1,751.00 

including escrow for taxes and insurance) for the purchase of a home located at 10406 Brynmore 

Drive, North Chesterfield, Virginia 23237. The closing costs are to be paid by the Debtor’s 

spouse and mother-in-law. A copy of the Loan Estimate is attached hereto as Exhibit “A” and is 

incorporated herein by this reference. 

3. The purchase price of the Property is $317,000. 

4. There will be no loan proceeds payable to the Debtor. 

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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2 

5. The purchase of the Property is in the best interest of the Debtor and will facilitate 

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

 6. 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. 

 NICOLE DONNETTE STEELEY 

 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 November 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 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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3 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

NICOLE DONNETTE STEELEY ) Case No. 19-34628-KRH 

 ) Chapter 13 

 Debtor ) 

AMENDED NOTICE OF MOTION AND HEARING 

 The above Debtor has filed an Amended 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, 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 November 3, 2021 at 12:00 p.m. at U.S. 

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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4 

 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: November 2, 2021 NICOLE DONNETTE STEELEY 

 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 

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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5 

CERTIFICATE OF SERVICE 

I hereby certify that on November 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 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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OVEME T MORTGAGE, llC 

&024 CALVIN HA ROAD INOtAN LA D. K 29707 

OAttlSSUU, 0/08/2021 

AH'I.ICAtfTS NICOLE DON ETTE STEELEY and ROBBI 

JOHNSO 

6306 BERGEN DRIVE 

RICHMOND, VA 23225 

10406 BRYNMORE DRIVE 

ORTH CHESTERf.'IELO. VA 23237 

S317,000 

loan Amount 

Int st Rate 

$311,258 

2.625% 

MonthtyPrinc�atnt rest $1,250.17 

PrOJ «I'd Payment,. �o for�, 

fsr,mar d Total Monrhly Pa�nt 

Ptt-payment Pen 

Principal & Interest 

Mort e Insurance 

Est1m t d Escrow 

E5tim 

Assessments 

ed Tu s, nsurance 

Amount con ,ncr as o r rime 

Estim ed Closln1 Costs 

Estim ed <:ash to Close 

♦ 

+ 

$294 

month 

$22,330 

$8,272 

So� th,s Loon Est,mot� to comport w,th vour Closm9 D,sclosur 

30years 

Purch se 

FIXED RATE 

I I Convention I � FHA VA • 

3271739 

t.OANlP 

f'Ult:POSf 

NOOU(T 

U)U.TffJl 

LOU.IOI 

U lOCll I I O �YES, until 10/18/2021 AT 8.00 PM EDT 

�fore- c/cmno. �yr ml r t ral • pomh, and I ll(tt,cr d•rs con

cha� unk- yoc, loci rlif' mrcr-hr ,arr. All otlt r t's.t,mor d 

clo n9 0Sf$ f'q)1f (JrlJ 

moun • rdosi111?

NO 

NO 

Does the

NO 

NO 

Yean 1· 

$1,250.17 

214 

287 

$1,751 

is estimate indudff 

� Propertv T es 

• Hom owner s Insurance

�Other. ASSOCIA TIO OU S

� s cr,on G on pog 1 for sc,o

pro�rty co rs st'pororldy.

In escrow? 

YES 

YES 

NO 

d prol)l!rty coiu You mc.u,f pa-, for othc-r 

lnclud s S 16,S03 ,n loan Costs+ SS,827 1n Other Costs· SO 

,n Lend r Credit:;. Sre- poi, Z for '"'011 . 

tnclud s Clo in Com. �r Calculor,IIIJ Co It 10 Clos on PDIJf' 1 ford toils 

V1s1 www.consumerfinance.,ov/monca,e-es mate for eneral inform t,on nd tools. 

f>!. OAN �TIMA £ PAGE 1 Of) lO,t.N IO■ 317171 

EXHIBIT A

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

Document Page 6 of 12
Oriil�naltlon(hqes 

2.25 of lDa Amo 1 (Points) 

U DE.RWRITI G FEE 

APPRAISAL 

CR£DIT RE POR f££ 

FHA UPFRONT MIP 

Fl Al I SPEOI0 fEE

FLOOD CEA. lflCATI0N HE 

IRS TRANSCRJPT FEE 

VOE FEE 

C. � You Can re, 

ITU -ABSTRACT 

TITLE -aos, G PRO ECTIO UTTER (L) 

TITLE - LENDERS TU INSURANC£ 

TITLI - SETTLEMENT SERVICE 

TITLI - WIRE RANSFER 

O. TOTAL LOAN COSTS {A+ B+ C)

JBS65 836 LO ESTIMATE 

.......... - .. 

$1,HI 

S7.003 

Sl,195 

$6 

$575 

$16() 

SS,353 

Sl7S 

S7 

$40 

sso 

$I.MS 

S32.s 

SlS 

$940 

SS9S 

sso 

$1., 

FHs and O er l a.:e-s 

Homeowner's Insurance P remium fl2 months) 

Mo gage lnsu nee P r emium ( monthi.) 

Prepaid lnter�t (S22_3S per day for l.S d¥ 2.62.S") 

Prope y Taxes( mon ) 

G. I ti I E:$Cl'OW at 

Homeowner's Insurance $67.2.S per mon for 

Mo lns.uranc:@ �rmonthfo.r 

Prope y axes $220.10 �tmon for 

H.Ot

TITU-0W ERS TITLI INSURA CE f OP 0NALJ 

l. lOTAI.OTH msTS (E + F + G + H

J. TOTAi.Qi com 

D♦I 

Lender C redits 

[ �� [) 

Clo!.ingCoru. F need (Paid from your Loan Amount) 

Down Pa'(!Mnt/funth from Bonower 

O@,pos1t 

Funds for Borrower 

Se er Csed, 

AdJu�tmen� and O er Credits 

Estim.a� Cash to CIOSf? 

2 mo. mo_

' mo_ 

$V.43 

S807 

$336 

sip, 

SI3S 

$1,S•H 

$n7 

S787 

$S,&27 

$ll.3lO 

S22,330 

$22,330 

so 

SS.742 

-$3,000 

so 

$16,800 

so 

SB.in 

PAGE 2 Of J LOAN If 3211139 

-

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

Document Page 7 of 12
lnforma1r o Abeu� This !Loan 

lD,D[" 

/_LICOmlD 

lOANOfflCH 

/_UCINSEI> 

MOVEMENT MORTGAGE, U.C 

39179 

NICK BOHN 

450883 

BOHNTEAM@MOVEMENT.COM 

(540) 907-5627

MOlffGAGE lltotrnt 

NMU / _ uaNSE 

LOANOIAall 

NMl.5 /_UaNSl ID 

fMAll 

p 

Use thHe meilSUres to COfflp;ilre this lu.m with oth r mns. 

lnSY: n 

$104,118 

$36,458 

Total you will have paid in pnnc1pal, interest. mortg.-ge insurance, and loan costs. 

Principal you will have paid off. 

An Uiil Percentage Rllte (APR) 3.864% Yo r costs over the loan tenn expressed as a rate. This 1s not your interest rate. 

Appr.lisal 

Assumption 

Homeowner's 

lnsuraMe 

Rrfinan< 

44.702% The total amount of interest that you will pay over the loan term a.s a 

percentage of your loan amount. 

We may order an appraisal to determine the property's value and charge you for this 

appraisal. We will promptly gjve you a copy of any appr,nsal, even If your Joan does not dose. 

You can pay for an addtt.Jonal appraisal for your own use at your own cost. 

If you sell or transfer this property to another person, we 

� will allow, under certain conditions. this person to assume this loan on the ongmal terms. 

_ will not allow assumption of this loan on the ongmal terms. 

This loan requires homeowner's insurance on the property, which you may obtain from a 

company of your choice that we find acceptable. 

If your payment 1s more than 15 days late, we will charge a late fee of 4% of the overdue monthly principal 

and interest payment. 

Refinancing this loan will depend on your Mure financial srtuat1on, the property value and 

marlcet conditions. You may not be able to refinance thi.s loan. 

Weinte 

= to s.erv1ce your loan. If so, vou will make your payments to us. 

� to transfer serv1cmg of your loan. 

J 

By s1g • you are only conf rming that you have received thJs form. You do not have to acc.�t lhrs loan because \IOU have s,g ed or

reCf!lved th for-m. 

NICOLCOO CTTC STll.:lcY 101os12021

NICOLE OONNffiE STEELEY Date ROBBIE JOHNSON Date 

18565.836 LOAN ESTIMATE PAGE l OF .3 LOI\III ID It 3271739 

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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}bk1{Credito AresMatix}bk{

Alfredo Sunga

c/o JFB Management

410 N. Ridge Rd. Suite 100

Henrico, VA 23229

Ballato Law Firm

3721 Westerre Parkway

Suite A

Henrico, VA 23233

Bank of America

Attn: Bankruptcy

P.O. 982284

El Paso, TX 79998

Capital One

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Capital One Auto Finance

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Carmel Holding Co

10660 Argonne Dr.

Glen Allen, VA 23060

Check Into Cash

3059 Mechanicsville Tnpk

Richmond, VA 23223

City of Richmond

Parking Tickets

P.O. Box 26508

Richmond, VA 23261

City of Richmond

900 E Broad Street

Room 109 Deliquent Taxes

Richmond, VA 23219

CJW Medical Center

PO Box 99400

Louisville, KY 40269

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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Continental Finance Company

Attn: Bankruptcy

Po Box 8099

Newark, DE 19714

Credit Acceptance

25505 W. Twelve Mile Rd

Ste. 3000

Southfield, MI 48034

Emergency Coverage Corp.

c/o ARS

PO Box 8668

Coral Springs, FL 33075-8668

Express Lanes

PO Box 28148

New York, NY 10087

First Premier Bank

Attn: Bankruptcy

Po Box 5524

Sioux Falls, SD 57117

Focused Recovery Solutions

9701-Metropolitan Ct

Ste B

North Chesterfield, VA 23236

Genesis Bc/celtic Bank

Attn: Bankruptcy

268 South State Street Ste 300

Salt Lake City, UT 84111

Internal Revenue Service

P.O. Box 7346

Philadelphia, PA 19101

Mariner Finance

13102 Midlothian Tnpk.

Midlothian, VA 23113

Maryland Transportation Auth.

PO Box 17600

Baltimore, MD 21297

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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NetCredit

175 W. Jackson Blvd., Suite 1000

Chicago, IL 60604

New York State Dept of Tax

NYS Assesment Receivables

P.O. Box 4127

Binghamton, NY 13902

NYC Housing Authority

250 Broadway, 9th Floor

New York, NY 10007

PayPal

PO Box 105658

Atlanta, GA 30348-5658

Paypal

ATTN BANKRUPTCY

Po Box 45950

Omaha, NE 68145

Plaza Services, Llc

Attn: Bankruptcy

110 Hammond Dr. Ste 110

Atlanta, GA 30328

Professional Account Mgmt

386 Pickett St

PO Box 22147

Alexandria, VA 22304

Radiology Assoc of Richmond

PO Box 13343

Richmond, VA 23225

Receivables Management Systems

PO Box 17305

Richmond, VA 23226

Shawn C. Tuthill

c/o Liberty Homes Inc

8249 Crown Colony Parkway A

Mechanicsville, VA 23116

Case 19-34628-KRH Doc 38 Filed 11/02/21 Entered 11/02/21 11:06:44 Desc Main

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Square Inc.

1455 Market St.

Suite 600

San Francisco, CA 94103

The Port Authority

PO Box 15183

Albany, NY 12212

Violations Processing Center

EZ-Pass NY

P.O. Box 15186

Albany, NY 12212

Virginia Dept. of Taxation

P O Box 2156

Richmond, VA 23218

Wells Fargo Dealer Services

Attn: Bankruptcy

Po Box 19657

Irvine, CA 92623

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