1

UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA

______________ Division

CHAPTER 13 PLAN 

AND RELATED MOTIONS

Name of Debtor(s): Case No: 

This Plan, dated ______________________, is: 

□ the first Chapter 13 Plan filed in this case. 

□ a modified Plan that 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. The Bankruptcy 

Court may confirm this plan without further notice if no objection to 

Alexandria Carson M. Ruffner 20-11348-BFK Kelley D. Ruffner October 28, 2020 ✔

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confirmation is filed. See Bankruptcy Rule 3015. 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, nonpurchasemoney 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 $__________________ 

per _________ for ____ months. Other payments to the Trustee are as follows: 

_____________________. The total amount to be paid into the Plan is $_____________. 

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 

$900.00 per month for 29 months, then $1902.00 per month for 14 months, then $3,005.00 per month for 16 months.

 (see below) ✔

 N/A N/A ✔

✔

 N/A (see below) 100,808.00 ✔

3,540.00 5,200.00

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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 

4. 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

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 

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: 

Virginia Dept. of Income taxes $3,800.00 Pro Rata Internal Revenue Income taxes $11,415.00 Pro Rata Service Taxation N/A N/A

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Creditor Collateral Adeq. Protection Monthly Payment To Be Paid By 

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.

Approx. Bal. of Debt or Interest Monthly Payment

Creditor Collateral “Crammed Down” Value Rate & Est. Term

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 _____%. 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 

_____%. 

B. Separately classified unsecured claims. 

Creditor Basis for Classification Treatment 

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).

 N/A N/A 30 30 N/A

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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. 

Regular Arrearage Monthly

Contract Estimated Interest Estimated Arrearage

Creditor Collateral Payment Arrearage Rate Cure Period Payment

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. 

Regular

Contract Estimated Interest Rate Monthly Payment on

Creditor Collateral Payment Arrearage on Arrearage Arrearage & Est. Term

C. 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: 

Interest Estimated Monthly

Creditor Collateral Rate Claim Payment & Term

7. 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 

B. 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 

 N/A N/A N/A Regional Acceptance 2015 Chevy Malibu $401.00 N/A N/A N/A 2 months Jefferson Capital 2012 GMC Sierra $300.00 N/A N/A N/A N/A Management Svcs Breeze Ct. Manassas, VA Rushmore Loan 8409 Summer $1,900.00 $40,029.00 N/A 43 months Pro Rata

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payments made pro rata with other priority claims or on a fixed monthly basis as 

indicated below. 

Monthly 

Payment Estimated 

Creditor Type of Contract Arrearage for Arrears Cure Period 

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 

B. 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 

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 

 N/A

 N/A N/A

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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.

____________________________________________________________________________ 

____________________________________________________________________________ 

____________________________________________________________________________ 

____________________________________________________________________________ 

Dated: __________________________

________________________________________ ________________________________________

Debtor 1 (Required) Debtor(s)’ Attorney

________________________________________ 

Debtor 2 (Required)

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. 

/s/ Kelley D. Ruffner /s/ Carson M. Ruffner /s/ Tori D. Bramble October 29, 2020

✔

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Exhibits: Copy of Debtor(s)’ Budget (Schedules I and J); Matrix of Parties Served with Plan

Certificate of Service 

I certify that on _____________________, I mailed a copy of the foregoing to the 

creditors and parties in interest on the attached Service List. 

__________________________________ 

Signature 

__________________________________ 

__________________________________ 

Address 

__________________________________ 

Telephone No:

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004 

I hereby certify that on __________________________ 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. 

_____________________________________ 

Signature of attorney for debtor(s) 

[ver. 12/17] 

/s/ Tori D. Bramble ✔

October 29, 2020 703-740-1129 2800 Eisenhower Ave., Suite 220, Alexandria, VA 22314 Tori D. Bramble /s/ Tori D. Bramble October 29, 2020

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Official Form 106I Schedule I: Your Income page 1

 106I 

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.

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.

Debtor 1 Debtor 2 or non-filing spouse 

Employment status Employed

Not employed

Employed

Not employed

Occupation __________________________________ __________________________________ Employer’s name __________________________________ __________________________________ Employer’s address _______________________________________ Number Street _______________________________________ _______________________________________ _______________________________________ City State ZIP Code

________________________________________ Number Street ________________________________________ ________________________________________ ________________________________________ City State ZIP Code

How long employed there? _______ _______ 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. Estimate and list monthly overtime pay. 3. +$___________ + $____________

4. Calculate gross income. Add line 2 + line 3. 4. $__________ $____________

Debtor 1 ____________________________________________________________________ First Name Middle Name Last Name Debtor 2 ____________________________________________________________________ 

(Spouse, if filing) First Name Middle Name Last Name United States Bankruptcy Court for the: __________ District of ___________ Case number ___________________________________________ 

 (If known) 

Fill in this information to identify your case: 

Check if this is: 

An amended filing

A supplement showing postpetition chapter 13

income as of the following date: ________________ MM / DD / YYYY 

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Debtor 1 _______________________________________________________ Case number (if known)_____________________________________ First Name Middle Name Last Name

Schedule I: Your Income page 2

For Debtor 1 For Debtor 2 or 

non-filing spouse Copy line 4 here ............................................................................................... 4. $___________ $_____________

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions 5a. $____________ $_____________

5b. Mandatory contributions for retirement plans 5b. $____________ $_____________

5c. Voluntary contributions for retirement plans 5c. $____________ $_____________

5d. Required repayments of retirement fund loans 5d. $____________ $_____________

5e. Insurance 5e. $____________ $_____________

 5f. Domestic support obligations 5f. $____________ $_____________

 5g. Union dues 5g. $____________ $_____________

5h. Other deductions. Specify: __________________________________ 5h. +$____________ + $_____________

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e +5f + 5g + 5h. 6. $____________ $_____________

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $____________ $_____________

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. $____________ $_____________ 

8b. Interest and dividends 8b. $____________ $_____________ 

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. $____________ $_____________ 

8d. Unemployment compensation 8d. $____________ $_____________ 

8e. Social Security 8e. $____________ $_____________ 

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. $____________ $_____________ 

8g. Pension or retirement income 8g. $____________ $_____________ 

8h. Other monthly income. Specify: _______________________________ 8h. +$____________ +$_____________

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

10.Calculate monthly income. Add line 7 + line 9.

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse. 10. $___________ + $_____________ = $_____________

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. + $_____________

12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income.

Write that amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, if it applies 12. $_____________

Combined 

monthly income 

13.Do you expect an increase or decrease within the year after you file this form?

No.

Yes. Explain:

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Official Form 106J Schedule J: Your Expenses page 1

 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?

Do not list Debtor 1 and

Debtor 2.

Do not state the dependents’ names. No

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?

_________________________ ________ No

Yes _________________________ ________ 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. $_____________________

If not included in line 4:

4a. Real estate taxes 4a. $_____________________ 

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

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

4d. Homeowner’s association or condominium dues 4d. $_____________________ 

Debtor 1 __________________________________________________________________ First Name Middle Name Last Name Debtor 2 ________________________________________________________________ 

(Spouse, if filing) First Name Middle Name Last Name United States Bankruptcy Court for the: __________ District of __________ Case number ___________________________________________ 

 (If known) 

Fill in this information to identify your case: Check if this is: 

An amended filing

A supplement showing postpetition chapter 13

expenses as of the following date: ________________ MM / DD / YYYY 

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Debtor 1 _______________________________________________________ Case number (if known)_____________________________________ First Name Middle Name Last Name

Schedule J: Your Expenses page 2

Your expenses

5. Additional mortgage payments for your residence, such as home equity loans 5. $_____________________ 

6. Utilities:

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

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

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

6d. Other. Specify: _______________________________________________ 6d. $_____________________ 

7. Food and housekeeping supplies 7. $_____________________

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

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

10. Personal care products and services 10. $_____________________

11. Medical and dental expenses 11. $_____________________

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

Do not include car payments. 12. $_____________________

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

14. Charitable contributions and religious donations 14. $_____________________

15. Insurance.

Do not include insurance deducted from your pay or included in lines 4 or 20.

1

15a. Life insurance 15a. $_____________________ 

15b. Health insurance 15b. $_____________________ 

15c. Vehicle insurance 15c. $_____________________ 

15d. Other insurance. Specify:_______________________________________ 15d. $_____________________ 

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

Specify: ________________________________________________________ 16. $_____________________

17. Installment or lease payments:

17a. Car payments for Vehicle 1 17a. $_____________________ 

17b. Car payments for Vehicle 2 17b. $_____________________ 

17c. Other. Specify:_______________________________________________ 17c. $_____________________ 

17d. Other. Specify:_______________________________________________ 17d. $_____________________ 

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. $_____________________

19. Other payments you make to support others who do not live with you.

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. $_____________________ 

20b. Real estate taxes 20b. $_____________________ 

20c. Property, homeowner’s, or renter’s insurance 20c. $_____________________ 

20d. Maintenance, repair, and upkeep expenses 20d. $_____________________ 

20e. Homeowner’s association or condominium dues 20e. $_____________________ 

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Debtor 1 _______________________________________________________ Case number (if known)_____________________________________ First Name Middle Name Last Name

Schedule J: Your Expenses page 3

21. Other. Specify: _________________________________________________ 21. +$_____________________

22. Calculate your monthly expenses.

22a. Add lines 4 through 21. 22a.

22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2 22b.

22c. Add line 22a and 22b. The result is your monthly expenses. 22c.

$_____________________ 

$_____________________ 

$_____________________ 

23. Calculate your monthly net income.

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

23b. Copy your monthly expenses from line 22c above. 23b. – $_____________________

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

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

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: 

Case 20-11348-BFK Doc 46 Filed 10/29/20 Entered 10/29/20 21:04:00 Desc Main

Document Page 13 of 18
American Profit Recovery

9954 Liberia Avenue 

Manassas, VA 20110-0000

(15373686)

(cr) 

Cabin Village

3861 Plaza Drive 

Fairfax, VA 22030-0000

(15373687)

(cr) 

Cabin Village HOA

c/oWilliam Marr Jr Esq 

3861 Plaza Dr 

Fairfax, VA 22030-0000

(15373688)

(cr) 

Cabin Village Homeowners Association, Inc.

c/o Law Office William A. Marr, Jr. 

3861 Plaza Drive 

Fairfax, Virginia 22030

(15475076)

(cr) 

Capital One Bank

PO Box 30285 

Salt Lake City, UT 84130-0000

(15373689)

(cr) 

ChexSystems

Attn: Consumer Relations 

7805 Hudson Rd., Suite 100 

Saint Paul, MN 55125-0000

(15373678)

(cr) 

Early Warning Services

16552 N 90th St. 

Scottsdale, AZ 85255-0000

(15373685)

(cr) 

Elephant Insurance

p o box 75658 

Baltimore, MD 21275-0000

(15373690)

(cr) 

Equifax Check Services

PO Box 30272 

Tampa, FL 33630-3272

(15373679)

(cr) 

Experian

475 Anton Blvd 

Costa Mesa, CA 92626-0000

(15373682)

(cr) 

Harris & Harris

Washington dc ccu 

p o box 96934 

Washington, DC 20090-0000

(15373691)

(cr) 

Case 20-11348-BFK Doc 46 Filed 10/29/20 Entered 10/29/20 21:04:00 Desc Main

Document Page 14 of 18
Internal Revenue Service - VA

Centralized Insolvency 

P.O. Box 7346 

Philadelphia, PA 19101-7346

(15373683)

(cr) 

IRS

PO box 7346 

Philadelphia, PA 19101-0000

(15373692)

(cr) 

Jefferson Capital Systems

PO Box 7999 

Saint Cloud, MN 56302-0000

(15373693)

(cr) 

Jefferson Capital Systems LLC

Po Box 7999 

Saint Cloud Mn 56302-9617

(15473918)

(cr) 

Joanne H. Yi

9200 Church Street Suite 202 

Manassas, VA 20110-0000

(15373694)

(cr) 

LVNV Funding LLC

PO BOX 10587 

Greenville, SC 29603-0000

(15373695)

(cr) 

LVNV Funding, LLC

Resurgent Capital Services 

PO Box 10587 

Greenville, SC 29603-0587

(15398907)

(cr) 

Mark K. Ames

Taxing Authority Consulting 

PO Box 2156 

Richmond, VA 23218-0000

(15373696)

(cr) 

Navient

Attn: Bankruptcy 

Po Box 9640 

Wiles-Barr, PA 18773-0000

(15373697)

(cr) 

Navient

Attn: Bankruptcy 

Po Box 9640 

Wilkes Barre, PA 18773-0000

(15373698)

(cr) 

Navient CFC

PO Box 9640 

Wilkes Barre, PA 18773-0000

(15373699)

(cr) 

Case 20-11348-BFK Doc 46 Filed 10/29/20 Entered 10/29/20 21:04:00 Desc Main

Document Page 15 of 18
NAVIENT CFC

C/O Navient Solutions, LLC. 

PO BOX 9640 

Wilkes-Barre, PA 18773-9640

(15490541)

(cr) 

NAVIENT CFC

C/O Navient Solutions, LLC. 

PO BOX 9640 

Wilkes-Barre, PA 18773-9640

(15397942)

(cr) 

Navient Solutions

PO Box 16408 

Saint Paul, MN 55116-0000

(15373700)

(cr) 

Navient Solutions, LLC.

220 Lasley Ave 

Wilkes-Barre, PA 18706

(15397941)

(cr) 

Navy Federal Credit Union

Po Box 3000 

Merrifield, VA 22119-0000

(15373701)

(cr) 

Patient First

p o box 758941 

Baltimore, MD 21275-0000

(15373702)

(cr) 

Pendrick Capital Partners LLC

PO Box 141419 

Irving, TX 75014-0000

(15373703)

(cr) 

Portfolio Recovery

Attn: Bankruptcy 

120 Corporate Blvd 

Norfold, VA 23502-0000

(15373704)

(cr) 

Portfolio Recovery Associates

POB 41067 

Norfolk, VA 23541-0000

(15373705)

(cr) 

Portfolio Recovery Services

POB 41067 

Norfolk, VA 23541-0000

(15373706)

(cr) 

Regional Acceptance Co

Attn: Bankruptcy 

1424 E Firetower Rd 

Greenville, SC 27858-0000

(15373707)

(cr) 

Case 20-11348-BFK Doc 46 Filed 10/29/20 Entered 10/29/20 21:04:00 Desc Main

Document Page 16 of 18
Regional Acceptance Corp

PO Box 1847 

Wilson, NC 27894-0000

(15373708)

(cr) 

Rushmore Loan Mgmt Srvc

Attn: Bankruptcy 

Po Box 55004 

Irvine, CA 92619-0000

(15373709)

(cr) 

State of Virginia

Dept of Taxation 

PO BOX 2156 

Richmond, VA 23218-2369

(15373710)

(cr) 

Synchrony Bank

Po Box 965060 

Orlando, FL 32896-0000

(15373711)

(cr) 

Taxing Authority Consulting PC

PO BOC 3180 

Henrico, VA 23294-0000

(15373712)

(cr) 

Telecheck Services, Inc.

5251 Westheimer 

Houston, TX 77056-0000

(15373680)

(cr) 

TransUnion

P.O. Box 2000 

Chester, PA 19022-0000

(15373681)

(cr) 

U.S. Bank NA, as Trustee of Tiki Series IV Trust

c/o Rushmore Loan Management Services, L 

P.O. Box 55004 

Irvine, CA 92619

(15458581)

(cr) 

US Asset Management

PO Box 981002 

Boston, MA 02298-1008

(15373713)

(cr) 

Verizon

POB 15124 

Albany, NY 12212-0000

(15373714)

(cr) 

Verizon

by American InfoSource as agent 

4515 N Santa Fe Ave 

Oklahoma City, OK 73118

(15448652)

(cr) 

Case 20-11348-BFK Doc 46 Filed 10/29/20 Entered 10/29/20 21:04:00 Desc Main

Document Page 17 of 18
Virginia Department of Taxation

PO Box 2156 

Richmond, VA 23218-2156

(15373684)

(cr) 

William A. Marr Jr.

3862 Plaza Drive 

Fairfax, VA 22030-0000

(15373715)

(cr) 

Case 20-11348-BFK Doc 46 Filed 10/29/20 Entered 10/29/20 21:04:00 Desc Main

Document Page 18 of 18