UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Robin L. Brown Case No: 19-32389-KRH

This plan, dated September 23, 2019 , 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 $20.00 per month for 5 months, then $285.00 per

month for 55 months.

Other payments to the Trustee are as follows:

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 The total amount to be paid into the Plan is $ 15,775.00 .

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 $ , balance due of the total fee of $ 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

Commonwealth of VA Taxes and certain other debts 245.00 Prorata

2 months

Internal Revenue Service Taxes and certain other debts 62.00 Prorata

2 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

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

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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

-NONEAny 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

-NONEE. 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 13 %. 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

-NONE6. 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.

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Creditor Collateral Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest Rate

Estimated Cure

Period

Monthly

Arrearage

Payment

Chase 2801 Enfield Road

Aylett, VA 23009

King William County

1,194.81 0.00 0% 0months

B. 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

-NONE8. 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

-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

-NONEPage 4

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9. 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.

Under Bankruptcy Rule 3015(c), nonstandard provisions must be set forth below. A nonstandard provision is a

provision not otherwise included in the Official Form or deviating from it. Nonstandard provisions set out elsewhere

in this plan are ineffective.

The following plan provisions will be effective only if there is a check in the box “Included” in § 1.C.

=> Notwithstanding the confirmation of this plan the debtor(s) reserve the right to challenge the allowance, validity, or

enforceability of any claim in accordance with § 502(b) and to challenge the standing of any party to assert any such claim.

=> Payment of Attorney Fees and Costs - The claims for attorney fees and costs shall be paid by all funds available on first

disbursement after confirmation of the plan (fees) and entry of proof of claim for actual costs (costs), and until such claims

for attorney fees and costs is paid in full, except as reserved for adequate protection payments on allowed secured claims (if

any), DSO claims and Trustee commissions.

Dated: September 23, 2019

/s/ Robin L. Brown /s/ Richard C. Pecoraro

Robin L. Brown Richard C. Pecoraro 48650

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 September 23, 2019 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached

Service List.

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/s/ Richard C. Pecoraro

Richard C. Pecoraro 48650

Signature

1700 Huguenot Road, Ste B

Midlothian, VA 23113

Address

804-464-3066

Telephone No.

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004

I hereby certify that on September 23, 2019 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/ Richard C. Pecoraro

Richard C. Pecoraro 48650

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Fill in this information to identify your case:

Debtor 1 Robin L. Brown

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 19-32389-KRH 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 F & S Manager

Employer's name United Network for Organ

Employer's address 700 N. 4th Street

Richmond, VA 23219

How long employed there? 3.5 yrs

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. $ 3,118.00 $ 0.00

3. Estimate and list monthly overtime pay. 3. +$ 500.00 +$ 0.00

4. Calculate gross Income. Add line 2 + line 3. 4. $ 3,618.00 $ 0.00

Official Form 106I Schedule I: Your Income page 1

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Debtor 1 Robin L. Brown Case number (if known) 19-32389-KRH

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 3,618.00 $ 0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 474.60 $ 0.00

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ 0.00

5c. Voluntary contributions for retirement plans 5c. $ 187.00 $ 0.00

5d. Required repayments of retirement fund loans 5d. $ 130.66 $ 0.00

5e. Insurance 5e. $ 416.00 $ 0.00

5f. Domestic support obligations 5f. $ 0.00 $ 0.00

5g. Union dues 5g. $ 0.00 $ 0.00

5h. Other deductions. Specify: 5h.+ $ 0.00 + $ 0.00

6. Add the payroll deductions. Add lines 5a+5b+5c+5d+5e+5f+5g+5h. 6. $ 1,208.26 $ 0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 2,409.74 $ 0.00

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 $ 0.00

8b. Interest and dividends 8b. $ 0.00 $ 0.00

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. $ 0.00 $ 0.00

8d. Unemployment compensation 8d. $ 0.00 $ 0.00

8e. Social Security 8e. $ 0.00 $ 0.00

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: 8f. $ 0.00 $ 0.00

8g. Pension or retirement income 8g. $ 0.00 $ 0.00

8h. Other monthly income. Specify: 8h.+ $ 0.00 + $ 0.00

9. Add all other income. Add lines 8a+8b+8c+8d+8e+8f+8g+8h. 9. $ 0.00 $ 0.00

10. Calculate monthly income. Add line 7 + line 9. 10. $ 2,409.74 + $ 0.00 = $ 2,409.74

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. $ 2,409.74

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

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Fill in this information to identify your case:

Debtor 1 Robin L. Brown 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 19-32389-KRH

(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.

 No

 Yes

 No

 Yes

 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. $ 1,194.81

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. $ 0.00

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

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Debtor 1 Robin L. Brown Case number (if known) 19-32389-KRH

6. Utilities:

6a. Electricity, heat, natural gas 6a. $ 200.00

6b. Water, sewer, garbage collection 6b. $ 0.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 150.00

6d. Other. Specify: 6d. $ 0.00

7. Food and housekeeping supplies 7. $ 200.00

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

9. Clothing, laundry, and dry cleaning 9. $ 53.00

10. Personal care products and services 10. $ 50.00

11. Medical and dental expenses 11. $ 50.00

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

Do not include car payments. 12. $ 150.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $ 0.00

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. $ 66.00

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: Personal Property 16. $ 10.00

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. $ 2,123.81

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. $ 2,123.81

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 2,409.74

23b. Copy your monthly expenses from line 22c above. 23b. -$ 2,123.81

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

The result is your monthly net income. 23c. $ 285.93

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

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 Label Matrix for local noticing JPMORGAN CHASE BANK, NATIONAL ASSOCIATION United States Bankruptcy Court 

 0422-3 BWW Law Group, LLC 701 East Broad Street 

 Case 19-32389-KRH 8100 Three Chopt Rd., Suite 240 Richmond, VA 23219-1888 

 Eastern District of Virginia Richmond, VA 23229-4833 

 Richmond 

 Mon Sep 23 16:32:17 EDT 2019 

 AMCA AR Resources Inc Advanced Technologies in Home 

 PO Box 1235 PO Box 1056 3117 West Clay St. 

 Elmsford, NY 10523-0935 Blue Bell, PA 19422-0287 Ste. 200 

 Richmond, VA 23230-4740 

 

 American Medical Collect Agy Anesthesia Assoc of Richmond Associated Creditors Exchange 

 4 Westchester Plaza, Bldg 4 PO Box 759444 6835 Midlothian Turnpike 

 Elmsford, NY 10523-1615 Baltimore, MD 21275-9444 Richmond, VA 23225-5622 

 BCC Financial Management Svc. Blue Shield of CA Bon Secour Richmond Health 

 PO Box 590097 P.O. Box 272560 PO Box 843356 

 Fort Lauderdale, FL 33359-0097 Chico, CA 95927-2560 Boston, MA 02284-3356 

 Bon Secours Bon Secours Health Sys Inc. Bon Secours Health System 

 PO Box 742431 6439 Iron Bridge Rd Customer Service Support Cente 

 Atlanta, GA 30374-2431 Richmond, VA 23234-5205 PO Box 28538 

 Richmond, VA 23228-8538 

 Bon Secours Memorial Reg Hosp Bostwick Laboratories Briet Cantor Grana Bucker 

 8260 Atlee Road PO Box 403751 7130 Glen Forest Drive 

 Mechanicsville, VA 23116-1844 Atlanta, GA 30384-3751 Suite 400 

 Richmond, VA 23226-3754 

 CBC, Inc CBE Group (c)CENTRAL CREDIT SERVICES LLC 

 P.O. Box 6220 1309 Technology Pkwy 2070 LITTLE HILLS EXPY 

 Charlottesville, VA 22906-6220 Cedar Falls, IA 50613-6976 SAINT CHARLES MO 63301-3708 

 Central VA Health Service Chase Cochran Law Firm, PC 

 P.O. Box 220 PO Box 182613 4509 W. Broad Street 

 New Canton, VA 23123-0220 Columbus, OH 43218-2613 Richmond, VA 23230-3203 

 Commonwealth Financial Solutio Commonwealth Lab Consultants Commonwealth Radiology PC 

 PO Box 7014 P OBox 36559 1508 Willow Lawn Drive 

 Fredericksburg, VA 22404-7014 Richmond, VA 23235-8011 Suite 117 

 Richmond, VA 23230-3421 

 Commonwealth Radiology, PC * Commonwealth of VA (p)CONTINENTAL EMERGENCY SERVICES 

 1508 Willow Lawn Drive P.O. Box 1358 111 BULIFANTS BLVD 

 Richmond, VA 23230-3421 Richmond, VA 23218-1358 STE B 

 WILLIAMSBURG VA 23188-5711 

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 (p)CREDIT ADJUSTMENT BOARD INC Credit One Bank D. Kent Gilliam, Esq. 

 8002 DISCOVERY DRIVE PO Box 98873 7821 Ironbridge Road 

 SUITE 311 Las Vegas, NV 89193-8873 Richmond, VA 23237-2240 

 RICHMOND VA 23229-8601 

 

 Dominion Women’s Health Dominion Women’s Health Inc (p)FOCUSED RECOVERY SOLUTIONS 

 8239 Meadowbridge Rd. 5239 Meadowbridge Road 9701 METROPOLITAN COURT 

 Ste. A Suite A STE B 

 Mechanicsville, VA 23116-2318 Mechanicsville, VA 23116-0000 RICHMOND VA 23236-3690 

 Frank A. Bolton, III DDS Freedom Respiratory Freedon Respiratory 

 9245 Shady Grove Road 2233 East Main Street 2233 e. Main Street 

 Suite A Montrose, CO 81401-3831 Montrose, CO 81401-3831 

 Mechanicsville, VA 23116-2890 

 Hanover Family Eyecare Henrico Doctor’s Hosp Forest Henrico Doctor’s Hosp Forest* 

 7347 Bell Creek Rd. P.O. Box 99587 P.O. Box 99400 

 St. 200 Louisville, KY 40269-0587 Louisville, KY 40269-0400 

 Mechanicsville, VA 23111-3504 

 Henrico Doctors Hospital Henrico Surgical Specialists Henrico Surgical Specialists 

 Attn: Bankruptcy Dept 3 Maryland Farms PO Box 740776 

 P.O. 99587 Suite 250 Cincinnati, OH 45274-0776 

 Louisville, KY 40269-0587 Brentwood, TN 37027-5053 

 Horizon Financial Management (p)INTERNAL REVENUE SERVICE Invoice Audit Services 

 8585 S. Broadway CENTRALIZED INSOLVENCY OPERATIONS PO Box 559 

 Suite 880 PO BOX 7346 Coraopolis, PA 15108-0559 

 Merrillville, IN 46410-7064 PHILADELPHIA PA 19101-7346 

 King William Physical Therapy Labcorp Levy Law Firm 

 PO Box 424 PO Box 2240 4452 Corporation Lane 

 Aylett, VA 23009-0424 Burlington, NC 27216-2240 Suite 315 

 Virginia Beach, VA 23462-3173 

 Medical Data Systems Memorial Regional Medical Memorial Regional Medical 

 1374 S Babcock Street PO Box 28538 PO Box 409601 

 Melbourne, FL 32901-3009 Richmond, VA 23228-8538 Atlanta, GA 30384-9601 

 Memorial Regional Medical Ctr. Memorial Regional Medical Ctr. Memorial Richmond Medical Ctr. 

 P.O. Box 28538 PO Box 409438 Attn: Bankruptcy Dept. 

 Richmond, VA 23228-8538 Atlanta, GA 30384-9438 PO Box 409438 

 Atlanta, GA 30384-9438 

 Midland Funding LLC NCO Credit Services/51 NCO Financial Systems Inc KGPO 

 P.O. Box 2011 507 Prudential Road PO BOX 15372 

 Warren, MI 48090-2011 Horsham, PA 19044-2308 Wilmington, DE 19850-5372 

Case 19-32389-KRH Doc 31 Filed 09/23/19 Entered 09/23/19 16:34:12 Desc Main

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 One Hampton Medical Ortho Virginia OrthoVirginia 

 P.O. Box 3475 P.O. Box 75831 PO Box 17047 

 Toledo, OH 43607-0475 Baltimore, MD 21275-5831 Baltimore, MD 21297-1047 

 

 OrthoVirginia OrthoVirginia West End PHG Ironbridge 

 PO Box 35725 Orthopaedic Clinic 3 Maryland Farms Ste 250 

 Richmond, VA 23235-0725 PO Box 35725 Brentwood, TN 37027-5053 

 Richmond, VA 23235-0725 

 PMAB, LLC Patient Financial Services Patient First 

 PO Box 12150 Rvsd Tappahannock Hospital Attention: Patient Accounts 

 Charlotte, NC 28220-2150 PO Box 2858 5000 Cox Road 

 Raleigh, NC 27602-2858 Glen Allen, VA 23060-9271 

 Patient First Peninsula Radio Assc Professional Med Adj Board 

 P.O. Box 758941 P.O. Box 12087 4135 S Stream Blvd 

 Baltimore, MD 21275-8941 Newport News, VA 23612-2087 Suite 400 

 Charlotte, NC 28217-4636 

 Quest Diagnostic Quest Diagnostics Quest Diagnostics Inc 

 P.O. Box 7302 PO Box 740880 PO Box 71303 

 Hollister, MO 65673-7302 Cincinnati, OH 45274-0880 Philadelphia, PA 19176-1303 

 (p)RCS RECOVERY SERVICES LLC ROI Receivable Receivables Management Systems 

 600 FAIRWAY DRIVE SUITE 108 P.O. Box 549 7206 Hull Street Road 

 DEERFIELD BEACH FL 33441-1806 Lutherville Timonium, MD 21094-0549 Ste 21 

 Richmond, VA 23235-5826 

 Receivables Management Systems Richmond Ambulance Authority Richmond Gastroenterology Asso 

 PO Box 8630 2400 Hermitage Road 107 Wadsworth Drive 

 Richmond, VA 23226-0630 Richmond, VA 23220-1200 Richmond, VA 23236-4521 

 Richmond Gastronenterolgy Asso Riverside Medical Group Shafer Law Firm 

 Attn #5498E Attn #13076N 2000 Riveredge Parkway 

 PO Box 14000 PO Box 14000 Suite 590 

 Belfast, ME 04915-4033 Belfast, ME 04915-4033 Atlanta, GA 30328-4618 

 Spinella, Owings, & Shaia St. Mary’s Hospital Suntrust Bank 

 8550 Mayland Drive PO Box 409553 VA RIC 9292 

 Richmond, VA 23294-4704 Atlanta, GA 30384-9553 P.O. Box 27572 

 Richmond, VA 23261-7572 

 Transworld Systems Transworld Systems, Inc. United Consumers Inc. 

 500 Virginia Dr. #514 Po Box 15520 P.O. Box 4466 

 Fort Washington, PA 19034-2707 Wilmington, DE 19850-5520 Woodbridge, VA 22194-4466 

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 VA Employment Commission Verizon Virginia Eye Institute 

 PO Box 1358 404 Brock Drive Payment Processing 

 Richmond, VA 23218-1358 Bloomington, IL 61701-2654 P.O. Box 34381 

 Seattle, WA 98124-1381 

 

 West End Orthopaedic Clinic Yale Orthopaedics and Hehab John P. Fitzgerald, III 

 PO Box 35725 800 Howard Ave Office of the US Trustee - Region 4 -R 

 Richmond, VA 23235-0725 PO Box 208071 701 E. Broad Street, Ste. 4304 

 New Haven, CT 06520-8071 Richmond, VA 23219-1849 

 Richard C. Pecoraro Robin L. Brown Suzanne E. Wade 

 Rich Law, PLC 2801 Enfield Road 7202 Glen Forest Drive, Ste. 202 

 1700 Huguenot Rd. Aylett, VA 23009-3535 Richmond, VA 23226-3770 

 Suite B4 

 Midlothian, VA 23113-2397 

 

 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). 

 Continental Emergency Svcs. Credit Adjustment Board, Inc. Focused Recovery Solution 

 Mailstop: 32635696 Attn: Bankruptcy Dept 9701 Metropolitan Court 

 PO Box 660064 306 E Grace Street Suite B 

 Dallas, TX 75266-0000 Richmond, VA 23219-1718 Richmond, VA 23236-3690 

 Internal Revenue Service RCS Recovery Services, LLC 

 Insolvency Units 600 Fairway Dr #108 

 400 N. 8th Street, Box 76 Deerfield Beach, FL 33441-0000 

 Richmond, VA 23240-0000 

 Addresses marked (c) above for the following entity/entities were corrected 

 as required by the USPS Locatable Address Conversion System (LACS). 

 Central Credit Services LLC 

 20 Corporate Hills Drive 

 Saint Charles, MO 63301-0000 

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

 (u)Christopher Brown, Sr. (d)Commonwealth Radiology PC * End of Label Matrix 

 1508 Willow Lawn Drive Mailable recipients 98 

 Suite 117 Bypassed recipients 2 

 Richmond, VA 23230-3421 Total 100 

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