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 Debtors 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

RICHARD DIAMOND DANIELS ) Case No. 18-30313-KRH 

GAYLE ELAINE DANIELS ) Chapter 13 

 ) 

 Debtors ) 

MOTION TO INCUR DEBT 

 COMES NOW, the Debtor, Richard Diamond Daniels, by counsel, and as and for his 

Motion to Incur Debt, states as follows: 

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

January 22, 2018. 

2. The Debtors have physically separated and a Complaint for Divorce has been 

filed in the City of Richmond Circuit Court. 

3. Mr. Daniels has entered into a contract for the purchase of a new residence 

located at 4439 Eagle Court, Waldorf Maryland 20603 (“Property”). A copy of the purchase 

contract is attached hereto as Exhibit “A” and is incorporated herein by this reference. 

4. Mr. Daniels has applied for and Primary Residential Mortgage, Inc. has approved 

a loan to him in the amount of $215,327.00 plus interest at 5.125% per annum to be repaid with 

three hundred sixty (360) equal monthly payments of approximately $1,606.00 for principal, 

interest, taxes, and insurance for the purchase of the Property. The closing costs are to be paid 

Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 1 of 18
2 

by Mr. Daniels. A copy of the Loan Estimate is attached hereto as Exhibit “B” and is 

incorporated herein by this reference. 

5. The purchase of the Property is in the best interest of Mr. Daniels and will 

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

 6. The Debtors’ Chapter 13 Plan has been confirmed. 

WHEREFORE, the Debtor, Richard Diamond Daniels, 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. 

 RICHARD DIAMOND DANIELS 

 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 Debtors 

CERTIFICATE OF SERVICE 

I hereby certify that on March 30, 2020, 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 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 2 of 18
3 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

RICHARD DIAMOND DANIELS ) Case No. 18-30313-KRH 

GAYLE ELAINE DANIELS ) Chapter 13 

 ) 

 Debtors ) 

NOTICE OF MOTION AND HEARING 

 The above Debtor, Richard Diamond Daniels, 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 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 8, 2020, 2020 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. 

Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 3 of 18
4 

 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: March 30, 2020 RICHARD DIAMOND DANIELS 

 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 Debtors 

CERTIFICATE OF SERVICE 

I hereby certify that on March 30, 2020, 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 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 4 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 5 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 6 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 7 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 8 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 9 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 10 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 11 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 12 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 13 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 14 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 15 of 18
Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 16 of 18
 Label Matrix for local noticing BLI Rentals, LLC PRA Receivables Management LLC 

 0422-3 c/o Spotts Fain PC POB 41067 

 Case 18-30313-KRH 411 E. Franklin St. Norfolk, VA 23541-1067 

 Eastern District of Virginia Suite 600 

 Richmond Richmond, VA 23219-2200 

 Fri Mar 6 16:50:25 EST 2020 

 UST smg Richmond United States Bankruptcy Court Ashley Funding Services, LLC its successors 

 Office of the U. S. Trustee 701 East Broad Street assigns as assignee of Laboratory 

 701 East Broad St., Suite 4304 Richmond, VA 23219-1888 Corporation of America Holdings 

 Richmond, VA 23219-1849 Resurgent Capital Services 

 PO Box 10587 

 Greenville, SC 29603-0587 

 BLI Rentals BLI Rentals, LLC Bon Secours 

 715 Merchants Street PO Box 992 PO Box 1123 

 Emporia, KS 66801-2809 Emporia, KS 66801-0992 Minneapolis, MN 55440-1123 

 

 Bridgecrest Credit Company,LLC Capio Partners Llc Capital One Bank 

 PO BOX 29018 Attn: Bankruptcy c/o Glasser and Glasser 

 PHOENIX, AZ 85038-9018 Po Box 3498 PO Box 3400 

 Sherman, TX 75091-3498 Norfolk, VA 23514-3400 

 Cardworks/CW Nexus Cash Net USA Chesterfield Oral Surgery Center, Inc. 

 Attn: Bankruptcy 175 W. Jackson Blvd. c/o Sharon N. Horner & Associates PLC 

 Po Box 9201 Suite 1000 6804 Patterson Avenue Suite A 

 Old Bethpage, NY 11804-9001 Chicago, IL 60604-2863 Richmond, VA 23226-3429 

 Chesterfield Oral Surgury, Inc Commonwealth of Virginia Dish 

 10110 Iron Bridge Rd Department of Taxation P O Box 94063 

 Chesterfield, VA 23832-6529 PO Box 2156 Crewe, VA 23930-0000 

 Richmond, VA 23218-2156 

 Fingerhut (p)FOCUSED RECOVERY SOLUTIONS Henrico Fcu 

 Bankruptcy Dept 9701 METROPOLITAN COURT 9401 W Broad St 

 6250 Ridgewood Rd STE B Henrico, VA 23294-5331 

 Saint Cloud, MN 56303-0820 RICHMOND VA 23236-3690 

 (p)JEFFERSON CAPITAL SYSTEMS LLC MERRICK BANK NPRTO South-East, LLC 

 PO BOX 7999 Resurgent Capital Services 256 W. Data Drive 

 SAINT CLOUD MN 56302-7999 PO Box 10368 Draper, Utah 84020-2315 

 Greenville, SC 29603-0368 

 Nissan Motor Acceptanc Nissan Motor Acceptance ONEMAIN 

 Po Box 660360 POB 660366 PO BOX 3251 

 Dallas, TX 75266-0360 Dallas, TX 75266-0366 EVANSVILLE IN 47731-3251 

 OneMain Financial (p)PORTFOLIO RECOVERY ASSOCIATES LLC Progressive Financing 

 Attn: Bankruptcy Department PO BOX 41067 256 W Data Drive 

 601 Nw 2nd St #300 NORFOLK VA 23541-1067 Draper, UT 84020-2315 

 Evansville, IN 47708-1013 

Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 17 of 18
 Quantum3 Group LLC as agent for Quantum3 Group LLC as agent for Receivable Management Inc 

 CF Medical LLC Sadino Funding LLC 7206 Hull Rd 

 PO Box 788 PO Box 788 Ste 211 

 Kirkland, WA 98083-0788 Kirkland, WA 98083-0788 Richmond, VA 23235-0000 

 

 Sharon N. Horner & Associates Sunrise Credit Service United Consumers 

 6804 Patterson Ave. 260 Airport Plaza Blvd. 14205 Telegraph Rd 

 Suite A Farmingdale, NY 11735-4021 Woodbridge, VA 22192-4615 

 Richmond, VA 23226-3429 

 Virginia Department of Tax Wells Fargo Bank Wells Fargo Bank, N.A. 

 P.O. Box 2369 Po Box 94435 435 Ford Road, Suite 300 

 Richmond, VA 23218-2369 Albuquerque, NM 87199-4435 Saint Louis Park, MN 55426-4938 

 Carl M. Bates Gayle Elaine Daniels James E. Kane 

 P. O. Box 1819 1408 N. 32nd St Kane & Papa, PC 

 Richmond, VA 23218-1819 Richmond, VA 23223-6716 1313 East Cary Street 

 P.O. Box 508 

 Richmond, VA 23218-0508 

 

 John P. Fitzgerald, III Richard Diamond Daniels 

 Office of the US Trustee - Region 4 -R 1408 N. 32nd St 

 701 E. Broad Street, Ste. 4304 Richmond, VA 23223-6716 

 Richmond, VA 23219-1849 

 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). 

 Focused Recovery Solutions Jefferson Capital Systems, LLC Portfolio Recovery Associates, LLC 

 9701-Metropolitan Ct 16 Mcleland Rd PO Box 41067 

 Ste B Saint Cloud, MN 56303-0000 Norfolk, VA 23541 

 Richmond, VA 23236-0000 

 End of Label Matrix 

 Mailable recipients 43 

 Bypassed recipients 0 

 Total 43 

Case 18-30313-KRH Doc 50 Filed 03/30/20 Entered 03/30/20 17:29:01 Desc Main

Document Page 18 of 18