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. 

Richmond

Kelly Anne Cundiff 20-31138-KLP

March 9, 2020

✔

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 1 of 14
2

(1) Richmond and Alexandria Divisions: 

The Bankruptcy Court may confirm this plan without further notice if 

no objection to confirmation is filed. See Bankruptcy Rule 3015. 

(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 timely file a 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 

*starting in August 2022.

✔

✔

✔

498.00

month 28

$755.00/mo. for 32 mos.* 38,104.00

✔

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 2 of 14
3

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 

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

3,434.00 5,434.00

NONE

NONE

NONE

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 3 of 14
4

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: 

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. 

NONE

NONE

Bank of America 5937 Cambridge Drive $6,957.38 4.75% $130.50/mo. for 60 mos.

[Judgment lien - personal liability was discharged in Debtor's prior Chapter 7]

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 4 of 14
5

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).

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: 

*Debtor's unsecured debt was discharged in her prior Chapter 7. Debtor does not anticipate any 

unsecured debt in this case.

100*

100*

NONE

SN Servicing Corporation 5937 Cambridge Dr $1,162.39/mo. $23,000.00 n/a pro rata

Fredericksburg, VA 22407

NONE

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 5 of 14
6

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 

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 

NONE

NONE

NONE

NONE

NONE

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 6 of 14
7

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 

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)

✔

March 9, 2020

/s/ Kelly Anne Cundiff /s/ Robert B. Easterling

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 7 of 14
8

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 _____________________, 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) 

Bank of America, N.A. 

Attn: Brian Moynihan, CEO 

100 N. Tryon Street 

Charlotte, NC 28202

March 11, 2020

/s/ Robert B. Easterling

2217 Princess Anne Street, #100-2

Fredericksburg, VA 22401

(540)373-5030

March 11, 2020

✔

/s/ Robert B. Easterling

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 8 of 14
	

 	
	
	

 

	



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Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

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Kelly Anne Cundiff Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 10 of 14
	

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1,162.39

0.00

0.00

0.00

15.42

20-31138

✔

✔

✔

✔

Kelly Anne Cundiff

Son

Daughter 13

11

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 11 of 14
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50.00

450.00

0.00

150.00

101.00

0.00

257.00

Personal Property Tax 25.00

20-31138

0.00

50.00

30.00

42.00

185.00

160.00

0.00

0.00

Kelly Anne Cundiff

50.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

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Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 12 of 14
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100.00

✔

20-31138

2,827.81

2,827.81

Pet Care

Kelly Anne Cundiff

2,827.81

3,271.60

443.79

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 13 of 14
 John P. Fitzgerald, III Suzanne E. Wade (p)BANK OF AMERICA 

Office of the US Trustee-Region 4-R 7202 Glen Forest Drive, Ste. 202 PO BOX 982238 

701 E. Broad Street, Ste. 4304 Richmond, VA 23226-3770 EL PASO TX 79998-2238 

Richmond, VA 23219-1849 

 

 

 COMMONWEALTH OF VIRGINIA Craig D. Hoag DEPARTMENT OF THE TREASURY - IRS 

 DEPARTMENT OF TAXATION 11136 Sunburst Lane Apt A INTERNAL REVENUE SERVICE 

 PO BOX 2156 Fredericksburg, VA 22407-7647 PO BOX 7346 

 RICHMOND, VA 23218-2156 PHILADELPHIA, PA 19101-7346 

 

 

 Internal Revenue Service Law Offices of Shapiro & Brown, LLP 4/Servicing Corporation 

 P.O. Box 7346 10021 Balls Ford Road, #200 323 Fifth Street 

 Philadelphia, PA 19101-7346 Manassas, VA 20109-2666 Eureka, CA 95501-0305 

 

 

 

 Virginia Dept. of Taxation Wells Fargo Dealer Services Kelly Anne Cundiff 

 P.O. Box 2156 P.O. Box 10709 5937 Cambridge Drive 

 Richmond, VA 23218-2156 Raleigh, NC 27605-0709 Fredericksburg, VA 22407-1269 

 

 

 

 

 

 

 

 

 

 

 

 

 

Case 20-31138-KLP Doc 12 Filed 03/11/20 Entered 03/11/20 15:52:38 Desc Main

Document Page 14 of 14