Jeanne E. Hovenden, Esq 

VSB 37249 

P O Box 1839 

Chesterfield VA 23832 

804-706-1355 

UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

RICHMOND DIVISION 

In re: Harriet E. Salley Case # 20-33649-KRH 

 Debtor Chapter 13 

Motion to Approve a 

Mortgage Loan Modification 

COMES NOW, Harriet E. Salley, (“the Debtor”), by counsel, and pursuant to Local

Rule 6004-4, files this Motion to Approve a Mortgage Loan Modification to assist with her 

financial fresh start. In support thereof, Debtor states as follows: 

 1. On August 29, 2020, the Debtor filed for relief under Chapter 13 of the 

Bankruptcy Code. Suzanne E. Wade is the Trustee of her estate. 

 2. Debtor is the record owner of real property and improvements thereon located at 

6647 Wexford Lane, Richmond, VA 23225, (“the Property”), and more fully described in the 

attached Exhibit “A”. 

 3. The Property is not the Debtor's principal residence. 

 4. The Property is currently encumbered as follows: by a Deed of Trust between the 

Debtor and Citigroup Mortgage Loan Trust 2018-RP3, serviced by Fay Servicing, dated May 7, 

2004, which Deed was recorded as Instrument 040016079 in the City of Richmond Circuit Court 

to secure a Note between the same parties in the original principal amount of $154,275.00. 

 5. The Debtor has qualified for a Mortgage Loan Modification of her mortgage 

through Fay Servicing. 

 6. Under the terms of the modification, the Debtors' mortgage loan will be changed 

as follows: 

 a.) The interest rate will be unchanged at 6% (fixed) on a modified principal balance of 

$154,751.17 with a new maturity date of May 1, 2043. The unmodified current balance shown 

in its proof of claim is $148,196.09 (which include a delinquent amount of $30,654.36) with a 

maturity date of June 1, 2034. 

 b.) The current mortgage payments are $1,342.09, including taxes and hazard insurance. 

The new mortgage payment will be $1,059.00 ($1335.00 after the addition of $276 for taxes and 
Jeanne E. Hovenden, Esq 

VSB 37249 

P O Box 1839 

Chesterfield VA 23832 

804-706-1355 

hazard insurance). 

 

 c.) The new mortgage payment is lower than the previous one by a very small 

amount. The Debtor will not be filing a modified Chapter 13 plan. 

 7. Modifying the mortgage will place the Debtor in a better financial condition and 

stabilize her mortgage situation. 

 8. Pursuant to Local Bankruptcy Rule 6004-4, the Debtor has served copies of this 

Motion to Approve a Mortgage Loan Modification upon all interested parties. 

WHEREFORE, the Debtor respectfully requests that this Court enter an Order 

authorizing the Debtor to modify her mortgage pursuant to the terms of their modification 

agreement with 

 Respectfully submitted, 

 Harriet E. Salley 

 By: _/s/Jeanne E. Hovenden 

 Counsel 

Jeanne E. Hovenden, VSB#37249 

Chesterfield Bankruptcy Law 

P. O. Box 1839 

Chesterfield, VA 23832 

804-706-1355 

CERTIFICATE OF SERVICE 

I certify that on this September 7, 2021 the foregoing document was electronically served 

and/or mailed first class, postage prepaid to: U.S. Trustee's Office; Carl M. Bates, Chapter 13 

Trustee; the Debtor, and to any creditor who has filed a request for all notices in this case. 

 /s/ Jeanne E. Hovenden_________ 

 Jeanne E. Hovenden, VSB# 37249 
 Label Matrix for local noticing Fay Servicing, LLC U.S. Bank Trust National Association, not in 

 0422-3 c/o McCalla Raymer Leibert Pierce, LLC BWW Law Group, LLC 

 Case 20-33649-KRH Bankruptcy Department 8100 Three Chopt Road, Suite 240 

 Eastern District of Virginia 1544 Old Alabama Road Richmond, VA 23229-4833 

 Richmond Roswell, GA 30076-2102 

 Mon Sep 6 14:09:59 EDT 2021 

 United States Bankruptcy Court American Express National Bank Amex 

 701 East Broad Street c/o Becket and Lee LLP Correspondence/Bankruptcy 

 Richmond, VA 23219-1888 PO Box 3001 Po Box 981540 

 Malvern PA 19355-0701 El Paso, TX 79998-1540 

 

 Amex/Bankruptcy BCMB1 Trust BWW Law Group 

 Correspondence/Bankruptcy SN Servicing Corporation 8100 Three Chopt Rd, Ste 240 

 Po Box 981540 323 5th Street Henrico, VA 23229-4833 

 El Paso, TX 79998-1540 Eureka, CA 95501-0305 

 Clearwater Pool Service Comenity Bank/Wayfair Credit Union Of Rich 

 570 E. Hundred Road Attn: Bankruptcy Dept Po Box 26024 

 Chester, VA 23836-2617 Po Box 182125 Richmond, VA 23260-6024 

 Columbus, OH 43218-2125 

 (p)CREDIT UNION OF RICHMOND Department Stores National Bank Fay Servicing Llc 

 ATTN NANCY ALLISON c/o Quantum3 Group LLC Attn: Bankruptcy Dept 

 1601 OWNBY LANE PO Box 657 Po Box 809441 

 RICHMOND VA 23220-1318 Kirkland, WA 98083-0657 Chicago, IL 60680-9441 

 Harriet Salley Auto Sales LLC Macys (p) Navy Federal Credit Union 

 4009 Mechanicsville Tpke RE: Bankruptcy Attn: Bankruptcy 

 Richmond, VA 23223-1117 P O Box 9001094 Po Box 3000 

 Louisville, KY 40290-1094 Merrifield, VA 22119-3000 

 Quantum3 Group LLC as agent for U.S. Bank Trust National Association et al. USAA Federal Savings Bank 

 MOMA Trust LLC Fay Servicing, LLC Attn: Bankruptcy 

 PO Box 788 PO Box 814609 10750 Mcdermott Freeway 

 Kirkland, WA 98083-0788 Dallas, TX 75381-4609 San Antonio, TX 78288-1600 

 W. Harold Talley Harriet E. Salley Jeanne E. Hovenden 

 4905 Radford Ave 4932 Topping Lane Jeanne E. Hovenden, P.L.L.C. 

 Suite 200 Glen Allen, VA 23060-2405 9830 Lori Road 

 Richmond, VA 23230-3525 P O Box 1839 

 Chesterfield, VA 23832-9108 

 

 John P. Fitzgerald, III Suzanne E. Wade 

 Office of the US Trustee - Region 4 -R 341 Dial 877-996-8484 Code 2385911 

 701 E. Broad Street, Ste. 4304 7202 Glen Forest Drive, Ste. 202 

 Richmond, VA 23219-1849 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). 
 Credit Union Of Richmond 

 1601 Ownby Lane 

 Richmond, VA 23220-0000 

 

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

 (d)U.S. Bank Trust National Association, not (u)W. Harold Talley I, LLC End of Label Matrix 

 BWW Law Group, LLC Mailable recipients 25 

 8100 Three Chopt Road Bypassed recipients 2 

 Suite 240 Total 27 

 Richmond, VA 23229-4833