James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtor 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

ADELINE M. CRUZ ) Case No. 20−32667−KLP 

 ) Chapter 13 

 Debtor ) 

MOTION TO INCUR DEBT 

 COMES NOW, the Debtor, by counsel, and as and for her Motion to Incur Debt, states as 

follows: 

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

18, 2020. 

 2. The Debtor has applied for and CMA’s Colonial Honda has approved a loan to 

the Debtor in the amount of $18,853.95 plus interest at 14.95% per annum to be repaid with 72 

equal monthly payments of $400.60 for the purchase of a 2020 Honda Fit or similar vehicle. 

3. The Debtor needs to purchase the referenced vehicle because there is a pending 

motion for relief that has been filed by the lienholder on her current vehicle (a lease). She needs 

a vehicle to travel to and from work and other matters. She wants to purchase a vehicle that will 

be hers to keep. 

4. The purchase of the vehicle is in the best interest of the Debtor and will facilitate 

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

 5. The Debtor’s Chapter 13 Plan has been confirmed. 

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WHEREFORE, the Debtor requests that the Court enter an Order approving the aforesaid 

loan on the terms stated herein, waive the 14-day stay pursuant to Fed. R. Bankr. Proc. 8014(a), 

and for such other relief as the Court may deem appropriate. 

 ADELINE M. CRUZ 

 By: /s/ James E. Kane 

 Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtor 

CERTIFICATE OF SERVICE 

I hereby certify that on April 8, 2021, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all counsel of record who have signed up to receive such notification and by first class 

mail to the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

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IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

ADELINE M. CRUZ ) Case No. 20−32667−KLP 

 ) Chapter 13 

 Debtor ) 

NOTICE OF MOTION 

 The above Debtor 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, within twenty-one (21) days from the date of 

this Notice 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 scheduled for April 14, 2021 at 10:00 a.m. at U.S. Bankruptcy Court, 

701 East Broad Street, Room 5100, Richmond, VA 23219. If no timely 

response has been filed opposing the relief requested, the court may grant the 

relief without holding a hearing. 

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 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: April 8, 2021 

ADELINE M. CRUZ 

 By: /s/ James E. Kane 

 Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtor 

CERTIFICATE OF SERVICE 

I hereby certify that on April 8, 2021, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all counsel of record who have signed up to receive such notification and by first class 

mail to the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

Case 20-32667-KLP Doc 32 Filed 04/08/21 Entered 04/08/21 13:58:47 Desc Main

Document Page 4 of 6
 Label Matrix for local noticing HVT Inc. as Trustee for HLT (Honda Lea United States Bankruptcy Court 

 0422-3 Steven L. Higgs, P.C. 701 East Broad Street 

 Case 20-32667-KLP Steven L. Higgs, Esq Richmond, VA 23219-1888 

 Eastern District of Virginia 9 Franklin Road, S.W. 

 Richmond Roanoke, VA 24011-2403 

 Thu Apr 8 13:13:50 EDT 2021 

 (p)AMERICAN HONDA FINANCE Capital One Capital One Bank (USA), N.A. 

 P O BOX 168088 Attn: Bankruptcy by American InfoSource as agent 

 IRVING TX 75016-8088 Po Box 30285 4515 N Santa Fe Ave 

 Salt Lake City, UT 84130-0285 Oklahoma City, OK 73118-7901 

 

 (p)JPMORGAN CHASE BANK N A Chisuk Cruz Citibank North America 

 BANKRUPTCY MAIL INTAKE TEAM 3003 Norfolk Street Citibank SD MC 425 

 700 KANSAS LANE FLOOR 01 Hopewell, VA 23860-4809 5800 South Corp Place 

 MONROE LA 71203-4774 Sioux Falls, SD 57108-0000 

 Citibank, N.A. Comenity/Sephora Credit One Bank 

 5800 S Corporate Pl Attn: Bankruptcy Attn: Bankruptcy Department 

 Sioux Falls, SD 57108-5027 Po Box 182125 Po Box 98873 

 Columbus, OH 43218-2125 Las Vegas, NV 89193-8873 

 Discover Bank Discover Financial Fort Lee FCU 

 Discover Product Inc Attn: Bankruptcy Attn: Bankruptcy 

 PO BOX 3025 Po Box 3025 4495 Crossings Blvd 

 New Albany, OH 43054-3025 New Albany, OH 43054-3025 Prince George, VA 23875-1455 

 Guam Marinas Collectio JPMorgan Chase Bank, N.A. LVNV Funding, LLC 

 414 W Soledad Ave Ste 60 s/b/m/t Chase Bank USA, N.A. Resurgent Capital Services 

 Hagatna, GU 96910-5061 c/o Robertson, Anschutz & Schneid, P.L. PO Box 10587 

 6409 Congress Avenue, Suite 100 Greenville, SC 29603-0587 

 Boca Raton, FL 33487-2853 

 

 MOHELA Quantum3 Group LLC as agent for Syncb/PPC 

 Attn: Bankruptcy Comenity Capital Bank Attn: Bankruptcy 

 633 Spirit Dr PO Box 788 Po Box 965060 

 Chesterfield, MO 63005-1243 Kirkland, WA 98083-0788 Orlando, FL 32896-5060 

 Synchrony Bank Synchrony Bank/Amazon USAA Federal Savings Bank 

 c/o PRA Receivables Management, LLC Attn: Bankruptcy Attn: Bankruptcy 

 PO Box 41021 Po Box 965060 10750 Mcdermott Freeway 

 Norfolk VA 23541-1021 Orlando, FL 32896-5060 San Antonio, TX 78288-1600 

 USAA Savings Bank VW Credit Leasing, Ltd (p)VOLKSWAGEN CREDIT UNION 

 10750 McDermott Freeway c/o VW Credit, Inc. 1401 FRANKLIN BLVD 

 San Antonio, TX 78230-1649 PO Box 9013 LIBERTYVILLE IL 60048-4460 

 Addison, Texas 75001-9013 

 Adeline M. Cruz James E. Kane John P. Fitzgerald, III 

 3003 Norfolk Street Kane & Papa, PC Office of the US Trustee - Region 4 -R 

 Hopewell, VA 23860-4809 1313 East Cary Street 701 E. Broad Street, Ste. 4304 

 P.O. Box 508 Richmond, VA 23219-1849 

 Richmond, VA 23218-0508 

 

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 Suzanne E. Wade 

 341 Dial 877-996-8484 Code 2385911 

 7202 Glen Forest Drive, Ste. 202 

 Richmond, VA 23226-3770 

 

 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). 

 Acura Financial Services (d)American Honda Finance Chase Card Services 

 Po Box 168088 Attn: National Bankruptcy Center Attn: Bankruptcy 

 Irving, TX 75016-8088 Po Box 166469 Po Box 15298 

 Irving, TX 75016-0000 Wilmington, DE 19850-0000 

 Volkswagon Credit, Inc. 

 P.O. Box 3 

 Hillsboro, OR 97123-0000 

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

 (u)VW Credit Leasing, Ltd. End of Label Matrix 

 Mailable recipients 30 

 Bypassed recipients 1 

 Total 31 

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