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: )

)

JUSTIN MICHAEL GIBBS ) Case No. 20-34775-KRH

) Chapter 13

Debtor )

MOTION TO INCUR DEBT

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

follows:

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

December 4, 2020.

2. The Debtor has applied for and Basic Auto RVA has approved a loan to the 

Debtor in the amount of $21,260.37 plus interest at 16.75% per annum to be repaid with 72 equal 

monthly payments of $470.00 for the purchase of a 2020 Mitsubishi Outlander or similar vehicle.

3. The Debtor needs to purchase the referenced vehicle because he no longer has the 

1994 Honda Accord and has been borrowing vehicles to travel to and from work and other 

matters. He needs a vehicle to travel to and from work and other matters. 

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

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

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

WHEREFORE, the Debtor 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.

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JUSTIN MICHAEL GIBBS

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 March 9, 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 20-34775-KRH Doc 16 Filed 03/09/21 Entered 03/09/21 14:19:34 Desc Main

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IN THE UNITED STATES BANKRUPTCY COURT

FOR THE EASTERN DISTRICT OF VIRGINIA

Richmond Division

IN RE: )

)

JUSTIN MICHAEL GIBBS ) Case No. 20-34775-KRH

) 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 hearing to be scheduled at a later date. You will receive a separate 

notice of hearing. 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: March 9, 2021

JUSTIN MICHAEL GIBBS

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 March 9, 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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 Label Matrix for local noticing UST smg Richmond United States Bankruptcy Court 

 0422-3 Office of the U. S. Trustee 701 East Broad Street 

 Case 20-34775-KRH 701 East Broad St., Suite 4304 Richmond, VA 23219-1888 

 Eastern District of Virginia Richmond, VA 23219-1849 

 Richmond 

 Tue Mar 9 12:22:14 EST 2021 

 AMCA AR Resources, Inc. Ad Astra Recovery 

 P.O. Box 1235 Attn: Bankruptcy 7330 West 33rd Street North 

 Elmsford, NY 10523-0935 Po Box 1056 Suite 118 

 Blue Bell, PA 19422-0287 Wichita, KS 67205-9370 

 

 Ashley Funding Services, LLC AvanteUSA Ltd. Citibank 

 Resurgent Capital Services Attn: Bankruptcy Citicorp Credit Srvs/Centralized Bk dept 

 PO Box 10587 3600 South Gessner Road Ste 225 Po Box 790034 

 Greenville, SC 29603-0587 Houston, TX 77063-5357 St Louis, MO 63179-0034 

 Durham & Durham Eagle Atlantic Financial Svcs Easy Check Cashing 

 5665 New Northside Drive PO Box 27601 2546 South Crators Road 

 Suite 510 Salt Lake City, UT 84127-0601 Petersburg, VA 23805-2410 

 Atlanta, GA 30328-4649 

 Enhanced Recovery Company First National Collection Bur. First Source Advantage, LLC 

 P.O. Box 57547 P.O. Box 1259 7650 Magna Drive 

 Jacksonville, FL 32241-7547 Oaks, PA 19456-1259 Belleville, IL 62223-3366 

 (p)FOCUS RECEIVABLES MANAGEMENT LLC (p)GLASSER AND GLASSER P L C IC System 

 1130 NORTHCHASE PARKWAY STE 150 P O BOX 3400 PO Box 64794 

 MARIETTA GA 30067-6429 NORFOLK VA 23514-3400 Saint Paul, MN 55164-0794 

 Internal Revenue Service James River Cardiology James River Cardiology 

 Centralized Insolvency Operati 2801 Boulevard, Suite D 445 Charles Dimmock Parkway 

 P. O. Box 7346 Colonial Heights, VA 23834-2323 Suite 100 

 Philadelphia, PA 19101-7346 Colonial Heights, VA 23834-2990 

 LCA Collections LVNV Funding, LLC LVNV Funding, LLC 

 P.O. 2240 P.O. Box 10497 Resurgent Capital Services 

 Burlington, NC 27216-2240 Greenville, SC 29603-0497 PO Box 10587 

 Greenville, SC 29603-0587 

 Lab Corp Medical Data Systems Inc Medical Revenue Service 

 PO Box 2240 Attn: Bankruptcy Dept PO Box 1940 

 Burlington, NC 27216-2240 2001 9th Ave Ste 312 Melbourne, FL 32902-1940 

 Vero Beach, FL 32960-6413 

 Midwest Recovery Systems Newsome Law Office Northland Group Inc 

 Attn: Bankruptcy 324 S. Main Street P.O. Box 390846 

 Po Box 899 Emporia, VA 23847-2028 Minneapolis, MN 55439-0846 

 Florissant, MO 63032-0899 

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 PASI PMD Paramount Recovery 

 PO Box 1022 PO Box 3475 Attn: Bankruptcy 

 Wixom, MI 48393-1022 Toledo, OH 43607-0475 Po Box 23369 

 Waco, TX 76702-3369 

 

 Petersburg Clinic Co. Petersburg Hospital Company LL (p)PHOENIX FINANCIAL SERVICES LLC 

 PO Box 127 Southside Reg Med Ctr PO BOX 361450 

 White Sulphur Springs, WV 24986-0127 324 S Main St INDIANAPOLIS IN 46236-1450 

 Emporia, VA 23847-2028 

 Pivot Physical Therapy (p)PORTFOLIO RECOVERY ASSOCIATES LLC Quantum3 Group LLC as agent for 

 PO Box 69030 PO BOX 41067 CASCADE CAPITAL FUNDING LLC 

 Baltimore, MD 21264-9030 NORFOLK VA 23541-1067 PO Box 788 

 Kirkland, WA 98083-0788 

 Radiology Assoc of Richmond Radiology Assoc. of Richmond Radius Global Solutions, LLC 

 PO Box 13343 PO Box 79923 P.O. Box 390846 

 Richmond, VA 23225-0343 Baltimore, MD 21279-0923 Minneapolis, MN 55439-0846 

 Resurgent Capital Services SCI Santander Consumer USA 

 Attn: Bankruptcy PO Box 85005 Attn: Bankruptcy 

 Pob 10497 Richmond, VA 23285-5005 Po Box 961245 

 Greenville, SC 29603-0497 Fort Worth, TX 76161-0244 

 Santander Consumer USA, Inc. Scott & Associates Scott & Associates 

 P.O. Box 961245 1120 Metrocrest Dr. P.O. Box 62999 

 Fort Worth, TX 76161-0244 Suite 100 Virginia Beach, VA 23466-2999 

 Carrollton, TX 75006-5862 

 Southside Regional Medical (p)SPRINT Terri Gibbs 

 PO Box 501128 C O AMERICAN INFOSOURCE 27212 Flank Road 

 Saint Louis, MO 63150-1128 4515 N SANTA FE AVE Petersburg, VA 23805-7016 

 OKLAHOMA CITY OK 73118-7901 

 United Consumers Inc Verizon Verizon 

 Attn: Bankruptcy Dept 5000 Britton Parkway PO Box 3037 

 Po Box 4466 Hilliard, OH 43026-9445 Bloomington, IL 61702-3037 

 Woodbridge, VA 22194-4466 

 Virginia Emergecy Group James E. Kane John P. Fitzgerald, III 

 PO Box 935293 Kane & Papa, PC Office of the US Trustee - Region 4 -R 

 Atlanta, GA 31193-5293 1313 East Cary Street 701 E. Broad Street, Ste. 4304 

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

 Richmond, VA 23218-0508 

 

 Justin Michael Gibbs Suzanne E. Wade 

 27212 Flank Road 341 Dial 877-996-8484 Code 2385911 

 Petersburg, VA 23805-7016 7202 Glen Forest Drive, Ste. 202 

 Richmond, VA 23226-3770 

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 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). 

 Focus Receivables Management Glasser & Glasser Phoenix Financial Services, LLC 

 1130 North Chase Pkwy Ste 150 580 E. Main St. Attn: Bankruptcy 

 Marietta, GA 30067-0000 Suite 600 Po Box 361450 

 Norfolk, VA 23510-0000 Indianapolis, IN 46236-0000 

 Portfolio Recovery (d)Portfolio Recovery Associates, LLC Sprint 

 Attn: Bankruptcy POB 41067 P.O. Box 4191 

 120 Corporate Blvd Norfolk, VA 23541 Carol Stream, IL 60197-0000 

 Norfolk, VA 23502-0000 

 End of Label Matrix 

 Mailable recipients 58 

 Bypassed recipients 0 

 Total 58 

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