UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s):

Wes Wallace

Letitia Johnson Wallace Case No: 20-50058-SCS

This plan, dated January 15, 2020 , 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 $1,000.00 per month for 4 months, then $1,410.00

per month for 8 months, then $1,520.00 per month for 48 months.

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Other payments to the Trustee are as follows:

 The total amount to be paid into the Plan is $ 88,240.00 .

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 $ 4,934.00 , 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

IRS Centralized Insolvency * Taxes and certain other debts 2,075.00 Prorata

12 months

Treasurer of York County Taxes and certain other debts 665.00 Prorata

12 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

Bayport Credit Union* 2009 Dodge Charger

Unknown miles

Value based on NADA

clean retail less $1000 for

normal wear and tear

09/2014 6,557.00 6,575.00

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Creditor Collateral Purchase Date Est. Debt Bal. Replacement Value

Bayport Credit Union* 2015 Dodge Challenger

Unknown miles

Value based on NADA

clean retail less $1000 for

normal wear and tear

12/2015 14,716.00 13,525.00

B. 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.

Creditor Collateral Description Estimated Value Estimated Total Claim

Equiant Financial Services Kings Creek Plantation 105B

Dakota Drive Williamsburg, VA

23185 York County

Value based on average sale

price listed on Sell My

Timeshare Now

6,083.00 7,761.00

C. 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

Onemain 2002 Ford Mustang Unknown

miles

Value based on NADA clean

retail less $1000 for normal

wear and tear

100.00 Trustee

Progressive Leasing Tires 38.00 Trustee

Bayport Credit Union* 2009 Dodge Charger

Unknown miles

Value based on NADA clean

retail less $1000 for normal

wear and tear

66.00 Trustee

Bayport Credit Union* 2015 Dodge Challenger

Unknown miles

Value based on NADA clean

retail less $1000 for normal

wear and tear

135.00 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.

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Creditor Collateral Approx. Bal. of Debt or 

"Crammed Down" Value

Interest Rate Monthly Payment & 

Est. Term

Onemain 2002 Ford Mustang Unknown

miles

Value based on NADA clean

retail less $1000 for normal

wear and tear

10,331.00 6.75% 246.19

48 months

Progressive Leasing Tires 2,479.00 6.75% 59.08

48 months

Bayport Credit Union* 2009 Dodge Charger Unknown

miles

Value based on NADA clean

retail less $1000 for normal

wear and tear

6,557.00 6.75% 156.26

48 months

Bayport Credit Union* 2015 Dodge Challenger

Unknown miles

Value based on NADA clean

retail less $1000 for normal

wear and tear

13,525.00 6.75% 322.31

48 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 37 %. 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

Equiant Financial Services Kings Creek Plantation 105B Dakota Drive

Williamsburg, VA 23185 York County

Value based on average sale price listed

on Sell My Timeshare Now

Paid100%

Bayport Credit Union Consumer Debt Paid100%

Kings Creek Plantation Consumer Debt Paid100%

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

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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

AT&T Mobility 2 Year Cell Phone

Contract

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

-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

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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.

Lower payment in the first 4 months is due to Debtor wife having to have surgery in February in Florida and Debtor husband

will not be working during that time and they will have roughly $3000 in expenses.

Debtor wife is paying her Student loans outside of the bankruptcy. She is on the income driven based plan that is currently

$500 but can go up to no more than $1750 a month. We will amend the budget anytime that the payment changes.

Dated: January 15, 2020

/s/ Wes Wallace /s/ Sebastiana R. Bradstreet

Wes Wallace Sebastiana R. Bradstreet

Debtor 1 Debtors' Attorney

/s/ Letitia Johnson Wallace

Letitia Johnson Wallace

Debtor 2

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 January 17, 2020 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service

List.

/s/ Sebastiana R. Bradstreet

Sebastiana R. Bradstreet

Signature

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621 N. Lynnhaven Road

Virginia Beach, VA 23452

Address

757-340-4895

Telephone No.

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004

I hereby certify that on January 17, 2020 true copies of the forgoing Chapter 13 Plan and Related Motions were served upon the

following creditor(s):

Bayport Credit Union*

c/o George Dudley Jr

3711 Huntington Ave

Newport News, VA 23607

 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/ Sebastiana R. Bradstreet

Sebastiana R. Bradstreet

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United States Bankruptcy Court

Eastern District of Virginia

In re

Wes Wallace

Letitia Johnson Wallace Case No. 20-50058-SCS

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To:

Bayport Credit Union*

c/o George Dudley Jr

3711 Huntington Ave

Newport News, VA 23607

Name of creditor

2009 Dodge Charger Unknown miles

Value based on NADA clean retail less $1000 for normal wear and tear

Description of collateral

1. The attached chapter 13 plan filed by the debtor(s) proposes (check one):

To value your collateral. See Section 4 of the plan. Your lien will be limited to the value of the collateral, and any

amount you are owed above the value of the collateral will be treated as an unsecured claim.

To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See

Section 8 of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

ver. 12/17

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2. You should read the attached plan carefully for the details of how your claim is treated. The plan may be confirmed, and

the proposed relief granted, unless you file and serve a written objection by the date specified and appear at the confirmation hearing.

A copy of the objection must be served on the debtor(s), their attorney, and the chapter 13 trustee.

Date objection due: 7 days prior to confirmation hearing

Date and time of confirmation hearing: Friday, April 3, 2020 at 10:00 a.m.

Place of confirmation hearing: Newport News Courtroom, U.S. Courthouse, 2400 West Avenue,

Newport News, VA

Wes Wallace

Letitia Johnson Wallace

Name(s) of debtor(s)

By: /s/ Sebastiana R. Bradstreet

Sebastiana R. Bradstreet

Signature

 Debtor(s)' Attorney

 Pro se debtor

Sebastiana R. Bradstreet

Name of attorney for debtor(s)

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Address of attorney [or pro se debtor]

Tel. # 757-340-4895

Fax # 757-340-4894

CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the

creditor noted above by

 first class mail in conformity with the requirements of Rule 7004(b), Fed.R.Bankr.P; or

 certified mail in conformity with the requirements of Rule 7004(h), Fed.R.Bankr.P

on this January 17, 2020.

/s/ Sebastiana R. Bradstreet

Sebastiana R. Bradstreet

Signature of attorney for debtor(s)

ver. 12/17

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United States Bankruptcy Court

Eastern District of Virginia

In re

Wes Wallace

Letitia Johnson Wallace Case No. 20-50058-SCS

Debtor(s) Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To:

Bayport Credit Union*

c/o George Dudley Jr

3711 Huntington Ave

Newport News, VA 23607

Name of creditor

2015 Dodge Challenger Unknown miles

Value based on NADA clean retail less $1000 for normal wear and tear

Description of collateral

1. The attached chapter 13 plan filed by the debtor(s) proposes (check one):

To value your collateral. See Section 4 of the plan. Your lien will be limited to the value of the collateral, and any

amount you are owed above the value of the collateral will be treated as an unsecured claim.

To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See

Section 8 of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

ver. 12/17

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2. You should read the attached plan carefully for the details of how your claim is treated. The plan may be confirmed, and

the proposed relief granted, unless you file and serve a written objection by the date specified and appear at the confirmation hearing.

A copy of the objection must be served on the debtor(s), their attorney, and the chapter 13 trustee.

Date objection due: 7 days prior to confirmation hearing

Date and time of confirmation hearing: Friday, April 3, 2020 at 10:00 a.m.

Place of confirmation hearing: Newport News Courtroom, U.S. Courthouse, 2400 West Avenue,

Newport News, VA

Wes Wallace

Letitia Johnson Wallace

Name(s) of debtor(s)

By: /s/ Sebastiana R. Bradstreet

Sebastiana R. Bradstreet

Signature

 Debtor(s)' Attorney

 Pro se debtor

Sebastiana R. Bradstreet

Name of attorney for debtor(s)

621 N. Lynnhaven Road

Virginia Beach, VA 23452

Address of attorney [or pro se debtor]

Tel. # 757-340-4895

Fax # 757-340-4894

CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the

creditor noted above by

 first class mail in conformity with the requirements of Rule 7004(b), Fed.R.Bankr.P; or

 certified mail in conformity with the requirements of Rule 7004(h), Fed.R.Bankr.P

on this January 17, 2020.

/s/ Sebastiana R. Bradstreet

Sebastiana R. Bradstreet

Signature of attorney for debtor(s)

ver. 12/17

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Fill in this information to identify your case:

Debtor 1 Wes Wallace

Debtor 2 Letitia Johnson Wallace

(Spouse, if filing)

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number 20-50058-SCS 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 Truck Driver Registered Nurse

Employer's name

The Other Moving Company,

Inc. District 19 Community SB

Employer's address 4375 George Washington

Memorial Hwy

Hayes, VA 23072

20 W. Bank Street Suite 2

Petersburg, VA 23803

How long employed there? 1 year 4 years

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. $ 3,783.00 $ 7,006.00

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

4. Calculate gross Income. Add line 2 + line 3. 4. $ 3,783.00 $ 7,006.00

Official Form 106I Schedule I: Your Income page 1

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Debtor 1

Debtor 2

Wes Wallace

Letitia Johnson Wallace Case number (if known) 20-50058-SCS

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here 4. $ 3,783.00 $ 7,006.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $ 882.00 $ 1,281.00

5b. Mandatory contributions for retirement plans 5b. $ 0.00 $ 280.00

5c. Voluntary contributions for retirement plans 5c. $ 0.00 $ 105.00

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

5e. Insurance 5e. $ 342.00 $ 278.00

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. $ 1,224.00 $ 1,944.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $ 2,559.00 $ 5,062.00

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. $ 2,559.00 + $ 5,062.00 = $ 7,621.00

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. $ 7,621.00

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: Income from tax overpayment =

((last year's tax refund) - 1,000) / 12

Official Form 106I Schedule I: Your Income page 2

Case 20-50058-SCS Doc 6 Filed 01/17/20 Entered 01/17/20 09:55:32 Desc Main

 Document Page 13 of 19
Fill in this information to identify your case:

Debtor 1 Wes Wallace Check if this is:

 An amended filing

Debtor 2 Letitia Johnson Wallace  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 20-50058-SCS

(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. grandaughter 7

 No

 Yes

Daughter 29

 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. $ 0.00

If not included in line 4:

4a. Real estate taxes 4a. $ 80.00

4b. Property, homeowner’s, or renter’s insurance 4b. $ 126.00

4c. Home maintenance, repair, and upkeep expenses 4c. $ 200.00

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

Case 20-50058-SCS Doc 6 Filed 01/17/20 Entered 01/17/20 09:55:32 Desc Main

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Debtor 1

Debtor 2

Wes Wallace

Letitia Johnson Wallace Case number (if known) 20-50058-SCS

6. Utilities:

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

6b. Water, sewer, garbage collection 6b. $ 175.00

6c. Telephone, cell phone, Internet, satellite, and cable services 6c. $ 615.00

6d. Other. Specify: Home warranty 6d. $ 54.00

7. Food and housekeeping supplies 7. $ 900.00

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

9. Clothing, laundry, and dry cleaning 9. $ 200.00

10. Personal care products and services 10. $ 150.00

11. Medical and dental expenses 11. $ 271.00

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

Do not include car payments. 12. $ 385.00

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

14. Charitable contributions and religious donations 14. $ 42.00

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. $ 220.00

15d. Other insurance. Specify: Malpractice Insurance 15d. $ 9.00

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

Specify: Personal property taxes, tags, etc. 16. $ 80.00

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: Student Loans 17c. $ 500.00

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. $ 1,200.00

Specify: Daughter and Grandaughter 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: Contingencies 21. +$ 381.00

Membership dues for Wifes Work +$ 23.00

Storage Unit +$ 110.00

Wifes Annual mandatory Work conferences +$ 90.00

22. Calculate your monthly expenses

22a. Add lines 4 through 21. $ 6,211.00

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. $ 6,211.00

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I. 23a. $ 7,621.00

23b. Copy your monthly expenses from line 22c above. 23b. -$ 6,211.00

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

The result is your monthly net income. 23c. $ 1,410.00

Official Form 106J Schedule J: Your Expenses page 2

Case 20-50058-SCS Doc 6 Filed 01/17/20 Entered 01/17/20 09:55:32 Desc Main

 Document Page 15 of 19
Debtor 1

Debtor 2

Wes Wallace

Letitia Johnson Wallace Case number (if known) 20-50058-SCS

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: Food expense higher due to Debtor husband being a truck driver and having to eat out a lot

for breakfast and lunch.

Charitable contributions is based on the giving that debtors give to random charities throughout the year

and not to one single charity or church.

Debtors are contributing money to their daughter and grandaughter since daughter is out of work and

cannot pay for her bills.

Debtors will be cleaning out their storage unit and will be getting rid of it within 1 yr

Official Form 106J Schedule J: Your Expenses page 3

Case 20-50058-SCS Doc 6 Filed 01/17/20 Entered 01/17/20 09:55:32 Desc Main

 Document Page 16 of 19
}bk1{Credito AresMatix}bk{

Activate Financial, LLC

PO Box 509015

San Diego, CA 92150

ADS/Comenity/Kay Jewelers

P.O. Box 182789

Columbus, OH 43218

AmeriMark Premier

P.O. Box 2845

Monroe, WI 53566

at & t Mobility

PO Box 536216

Atlanta, GA 30353

Attorney General

Tax Division, USDOJ

PO Box 227

Washington, DC 20044

Attorney General Office *

U.S. Department of Justice

950 Pennsylvania Ave. N.W

Washington, DC 20503

Auto-Owners Insurance

P.O. Box 740312

Cincinnati, OH 45274

AWL, Inc.

3910 W 6th Avenue

Stillwater, OK 74074

Balance Credit

1389 Center Drive

Suite 200

Park City, UT 84098

Bayport Credit Union

One Bayport Way

Suite 350

Newport News, VA 23607

Bayport Credit Union

3711 Huntington Avenue

Newport News, VA 23607

Bayport Credit Union*

c/o George Dudley Jr

3711 Huntington Ave

Newport News, VA 23607

Capital One

P.O. Box 30285

Salt Lake City, UT 84130

Capital One Auto Finance

P.O. Box 259407

Plano, TX 75026-1930

Check City

2729 West Broad Street

Richmond, VA 23220

Citi Financial Auto

PO BOx 9575

Cade, LA 70519

CMCS

10192 Grand River Road

Suite 111

Brighton, MI 48116

Comcast

P.O. Box 3006

Southeastern, PA 19398

Continental Fin Co

4550 New Linden Hill Road

Wilmington, DE 19808

Convergent Outsourcing

PO Box 9004

Renton, WA 98057

Cox Communications

PO BOX 9001087

Louisville, KY 40290-1087

Credit Control Corp

Po Box 120570

Newport News, VA 23612

Credit Control Corp

P.O. Box 120568

Newport News, VA 23612

Credit One Bank

P.O. Box 98872

Las Vegas, NV 89193

Enhanced Recovery Company

PO Box 57547

Jacksonville, FL 32241

Equiant Financial Services

4343 N. Scottsdale Road

Scottsdale, AZ 85251

Exeter Finance

1231 Greenway Drive

Suite 450

Irving, TX 75038

FedLoan Servicing

P.O. Box 60610

Harrisburg, PA 17106

Hampton Roads Finance Co.

441 Viking Drive

Virginia Beach, VA 23452

Hampton Roads Orthopaedics and

730 Thinble Shoals Blvd

Suite 130

Newport News, VA 23606

Case 20-50058-SCS Doc 6 Filed 01/17/20 Entered 01/17/20 09:55:32 Desc Main

 Document Page 17 of 19
Hollis Cobb Associates

6621 By Cir. Ste 180

Norcross, GA 30071

Internal Revenue Service

400 North Eighth Street Box 76

M/S Room 898

Richmond, VA 23219

IRS Centralized Insolvency *

PO Box 7346

Philadelphia, PA 19101

Jefferson Capital System

16 McIeland Road

Saint Cloud, MN 56303

K.Jordan

PO Box 2809

Monroe, WI 53566

Kermit Richardson

Unknown

Kings Creek Plantation

191 Cottage Cove Lane

Williamsburg, VA 23185

LabCorp

P.O. Box 2240

Burlington, NC 27216

M. Richard Epps

605 Lynnhaven Pkwy, Ste 200

Virginia Beach, VA 23452

Mary Immaculate Hospital

P.O. Box 409687

Atlanta, GA 30384

Mason Easy Pay

PO Box 2808

Monroe, WI 53566

Masseys

PO Box 2822

Monroe, WI 53566

Meridian Financial Services

P.O. Box 1410

Asheville, NC 28802

Midland Credit Management

4310 East Broadway

Phoenix, AZ 85040

Midnight Velvet

1112 7th Avenue

Monroe, WI 53566

Mobiloans

P.O. Box 1409

Marksville, LA 71351

Montgomery Ward

1112 7th Avenue

Monroe, WI 53566

NCB Management Services

1 Allied Drive

Feasterville Trevose, PA 19053

Nelnet Loan Services Inc

P.O. Box 82561

Lincoln, NE 68501

Onemain

PO Box 1010

Evansville, IN 47706

Onemain Financial*

CT CORPORATION SYSTEM

4701 COX RD STE 301

Glen Allen, VA 23060

Opportunity Financial

130 E Randolph Street

Suite 1650

Chicago, IL 60601

Peninsula Radiological Assoc

P.O. Box 12087

Newport News, VA 23612

Plain Green LLC

93 Mack Road

Suite 600

Box Elder, MT 59521

Portfolio Recovery

120 Corporate Boulevard

Suite 100

Norfolk, VA 23502

PREMIER BKCRD/FIRST PREMIER

601 S MINNESOTA AVE SIOUX

Sioux Falls, SD 57104

Professional recovery Consulta

2700 Meridian Parkway

Suite 200

Durham, NC 27713

Progressive Leasing

256 West Data Drive

Draper, UT 84020

Richmond General District Ct.

400 North 9th Street, Rm. 203

Richmond, VA 23219-1546

Riverside Doctors Hospital

1500 Commonwealth Avenue

Williamsburg, VA 23185

Case 20-50058-SCS Doc 6 Filed 01/17/20 Entered 01/17/20 09:55:32 Desc Main

 Document Page 18 of 19
Riverside Regional

PO Box 329

Tucker, GA 30085

ROI

P.O. Box 549

Lutherville Timonium, MD 21094

Rushmore Service Center

PO Box 5508

Sioux Falls, SD 57117-5508

Sade' Parson

1837 Grayland Avenue, Apt. C

Richmond, VA 23220

Sentara

P.O. Box 791168

Baltimore, MD 21279

Shiva Finance

100 Oceanside Drive

Nashville, TN 37201

Shop Now Pay Plan

P.O. Box 2852

Monroe, WI 53566

Southwest Credit Systems

4120 International Pkwy, #1100

Carrollton, TX 75007

Stoneberry

PO Box 2820

Monroe, WI 53566

Swiss Colony

1515 S 21st Street

Clinton, IA 52732

SYNCB/JC Penney

P.O. Box 965007

Orlando, FL 32896

SYNCB/Sams Club

PO Box 965005

Orlando, FL 32896

Tidewater Diagnostic Imaging

PO Box 12127

Newport News, VA 23612

Tmobile

PO BOx 660252

Dallas, TX 75266

TPMG

PO Box 896049

Charlotte, NC 28289-6049

Treasurer of York County

P.O. Box 251

Yorktown, VA 23690

U.S. Attorney

World Trade Center, Ste 8000

101 West Main Street

Norfolk, VA 23510

Velocity Urgent Care

P.O. Box 271005

Salt Lake City, UT 84127

Webbank/Fingerhut

6250 Ridgewood ROA

Saint Cloud, MN 56303

Case 20-50058-SCS Doc 6 Filed 01/17/20 Entered 01/17/20 09:55:32 Desc Main

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