Fill in this information to identify your case:

United States Bankruptcy Court for the:

EASTERN DISTRICT OF VIRGINIA

Case number (if known) Chapter you are filing under:

 Chapter 7

 Chapter 11

 Chapter 12

 Chapter 13  Check if this is an

amended filing

Official Form 101

Voluntary Petition for Individuals Filing for Bankruptcy 04/20

The bankruptcy forms use you and Debtor 1 to refer to a debtor filing alone. A married couple may file a bankruptcy case together—called a joint

case—and in joint cases, these forms use you to ask for information from both debtors. For example, if a form asks, “Do you own a car,” the answer

would be yes if either debtor owns a car. When information is needed about the spouses separately, the form uses Debtor 1 and Debtor 2 to distinguish

between them. In joint cases, one of the spouses must report information as Debtor 1 and the other as Debtor 2. The same person must be Debtor 1 in

all of the forms.

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 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: Identify Yourself

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

1. Your full name

Write the name that is on

your government-issued

picture identification (for

example, your driver's

license or passport).

Bring your picture

identification to your

meeting with the trustee.

LeMar

First name First name

Allen

Middle name Middle name

Bowers

Last name and Suffix (Sr., Jr., II, III) Last name and Suffix (Sr., Jr., II, III)

2. All other names you have

used in the last 8 years

Include your married or

maiden names.

3. Only the last 4 digits of

your Social Security

number or federal

Individual Taxpayer

Identification number

(ITIN)

xxx-xx-6396

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 1

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Debtor 1 LeMar Allen Bowers Case number (if known)

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

4. Any business names and

Employer Identification

Numbers (EIN) you have

used in the last 8 years

 I have not used any business name or EINs.  I have not used any business name or EINs.

Include trade names and

doing business as names

Business name(s) Business name(s)

EIN EIN

5. Where you live If Debtor 2 lives at a different address:

10250 Scots Landing Road

Mechanicsville, VA 23116

Number, Street, City, State & ZIP Code Number, Street, City, State & ZIP Code

Hanover

County County

If your mailing address is different from the one

above, fill it in here. Note that the court will send any

notices to you at this mailing address.

If Debtor 2's mailing address is different from yours, fill it

in here. Note that the court will send any notices to this

mailing address.

Number, P.O. Box, Street, City, State & ZIP Code Number, P.O. Box, Street, City, State & ZIP Code

6. Why you are choosing

this district to file for

bankruptcy

Check one:

 Over the last 180 days before filing this petition,

I have lived in this district longer than in any

other district.

 I have another reason.

Explain. (See 28 U.S.C. § 1408.)

Check one:

 Over the last 180 days before filing this petition, I

have lived in this district longer than in any other

district.

 I have another reason.

Explain. (See 28 U.S.C. § 1408.)

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 2

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Debtor 1 LeMar Allen Bowers Case number (if known)

Part 2: Tell the Court About Your Bankruptcy Case

7. The chapter of the

Bankruptcy Code you are

choosing to file under

Check one. (For a brief description of each, see Notice Required by 11 U.S.C. § 342(b) for Individuals Filing for Bankruptcy

(Form 2010)). Also, go to the top of page 1 and check the appropriate box.

 Chapter 7

 Chapter 11

 Chapter 12

 Chapter 13

8. How you will pay the fee  I will pay the entire fee when I file my petition. Please check with the clerk’s office in your local court for more details

about how you may pay. Typically, if you are paying the fee yourself, you may pay with cash, cashier’s check, or money

order. If your attorney is submitting your payment on your behalf, your attorney may pay with a credit card or check with

a pre-printed address.

 I need to pay the fee in installments. If you choose this option, sign and attach the Application for Individuals to Pay

The Filing Fee in Installments (Official Form 103A).

 I request that my fee be waived (You may request this option only if you are filing for Chapter 7. By law, a judge may,

but is not required to, waive your fee, and may do so only if your income is less than 150% of the official poverty line that

applies to your family size and you are unable to pay the fee in installments). If you choose this option, you must fill out

the Application to Have the Chapter 7 Filing Fee Waived (Official Form 103B) and file it with your petition.

9. Have you filed for

bankruptcy within the

last 8 years?

 No.

 Yes.

District EDVA When 7/29/19 Case number 19-33915

District When Case number

District When Case number

10. Are any bankruptcy

cases pending or being

filed by a spouse who is

not filing this case with

you, or by a business

partner, or by an

affiliate?

 No

 Yes.

Debtor Civitas Health Services, Inc. Relationship to you

100%

shareholder

District EDVA When 9/24/19 Case number, if known 19-34993

Debtor Melanie Hall Bowers Relationship to you Spouse

District EDVA When 9/18/20 Case number, if known 20-33854

11. Do you rent your

residence?

 No. Go to line 12.

 Yes. Has your landlord obtained an eviction judgment against you?

 No. Go to line 12.

 Yes. Fill out Initial Statement About an Eviction Judgment Against You (Form 101A) and file it as part of

this bankruptcy petition.

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 3

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Debtor 1 LeMar Allen Bowers Case number (if known)

Part 3: Report About Any Businesses You Own as a Sole Proprietor

12. Are you a sole proprietor

of any full- or part-time

business?

 No. Go to Part 4.

 Yes. Name and location of business

A sole proprietorship is a

business you operate as

an individual, and is not a

separate legal entity such

as a corporation,

partnership, or LLC.

Name of business, if any

If you have more than one

sole proprietorship, use a

separate sheet and attach

it to this petition.

Number, Street, City, State & ZIP Code

Check the appropriate box to describe your business:

 Health Care Business (as defined in 11 U.S.C. § 101(27A))

 Single Asset Real Estate (as defined in 11 U.S.C. § 101(51B))

 Stockbroker (as defined in 11 U.S.C. § 101(53A))

 Commodity Broker (as defined in 11 U.S.C. § 101(6))

 None of the above

13. Are you filing under

Chapter 11 of the

Bankruptcy Code, and

are you a small business

debtor or a debtor as

defined by 11 U.S.C. §

1182(1)?

If you are filing under Chapter 11, the court must know whether you are a small business debtor or a debtor choosing to

proceed under Subchapter V so that it can set appropriate deadlines. If you indicate that you are a small business debtor or

you are choosing to proceed under Subchapter V, you must attach your most recent balance sheet, statement of operations,

cash-flow statement, and federal income tax return or if any of these documents do not exist, follow the procedure in 11 U.S.C.

§ 1116(1)(B).

For a definition of small

business debtor, see 11

U.S.C. § 101(51D).

 No. I am not filing under Chapter 11.

 No. I am filing under Chapter 11, but I am NOT a small business debtor according to the definition in the Bankruptcy

Code.

 Yes. I am filing under Chapter 11, I am a small business debtor according to the definition in the Bankruptcy Code, and

I do not choose to proceed under Subchapter V of Chapter 11.

 Yes. I am filing under Chapter 11, I am a debtor according to the definition in § 1182(1) of the Bankruptcy Code, and I

choose to proceed under Subchapter V of Chapter 11.

Part 4: Report if You Own or Have Any Hazardous Property or Any Property That Needs Immediate Attention

14. Do you own or have any

property that poses or is

alleged to pose a threat

of imminent and

identifiable hazard to

public health or safety?

Or do you own any

property that needs

immediate attention?

 No.

 Yes.

What is the hazard?

If immediate attention is

needed, why is it needed?

For example, do you own

perishable goods, or

livestock that must be fed,

or a building that needs

urgent repairs?

Where is the property?

Number, Street, City, State & Zip Code

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 4

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Debtor 1 LeMar Allen Bowers Case number (if known)

Part 5: Explain Your Efforts to Receive a Briefing About Credit Counseling

About Debtor 1: About Debtor 2 (Spouse Only in a Joint Case):

15. Tell the court whether

you have received a

briefing about credit

counseling.

The law requires that you

receive a briefing about

credit counseling before

you file for bankruptcy.

You must truthfully check

one of the following

choices. If you cannot do

so, you are not eligible to

file.

If you file anyway, the court

can dismiss your case, you

will lose whatever filing fee

you paid, and your

creditors can begin

collection activities again.

You must check one: You must check one:

 I received a briefing from an approved credit

counseling agency within the 180 days before I

filed this bankruptcy petition, and I received a

certificate of completion.

Attach a copy of the certificate and the payment

plan, if any, that you developed with the agency.

 I received a briefing from an approved credit

counseling agency within the 180 days before I filed

this bankruptcy petition, and I received a certificate of

completion.

Attach a copy of the certificate and the payment plan, if

any, that you developed with the agency.

 I received a briefing from an approved credit

counseling agency within the 180 days before I

filed this bankruptcy petition, but I do not have

a certificate of completion.

Within 14 days after you file this bankruptcy

petition, you MUST file a copy of the certificate and

payment plan, if any.

 I received a briefing from an approved credit

counseling agency within the 180 days before I filed

this bankruptcy petition, but I do not have a certificate

of completion.

Within 14 days after you file this bankruptcy petition, you

MUST file a copy of the certificate and payment plan, if

any.

 I certify that I asked for credit counseling

services from an approved agency, but was

unable to obtain those services during the 7

days after I made my request, and exigent

circumstances merit a 30-day temporary waiver

of the requirement.

To ask for a 30-day temporary waiver of the

requirement, attach a separate sheet explaining

what efforts you made to obtain the briefing, why

you were unable to obtain it before you filed for

bankruptcy, and what exigent circumstances

required you to file this case.

Your case may be dismissed if the court is

dissatisfied with your reasons for not receiving a

briefing before you filed for bankruptcy.

If the court is satisfied with your reasons, you must

still receive a briefing within 30 days after you file.

You must file a certificate from the approved

agency, along with a copy of the payment plan you

developed, if any. If you do not do so, your case

may be dismissed.

Any extension of the 30-day deadline is granted

only for cause and is limited to a maximum of 15

days.

 I certify that I asked for credit counseling services

from an approved agency, but was unable to obtain

those services during the 7 days after I made my

request, and exigent circumstances merit a 30-day

temporary waiver of the requirement.

To ask for a 30-day temporary waiver of the requirement,

attach a separate sheet explaining what efforts you made

to obtain the briefing, why you were unable to obtain it

before you filed for bankruptcy, and what exigent

circumstances required you to file this case.

Your case may be dismissed if the court is dissatisfied

with your reasons for not receiving a briefing before you

filed for bankruptcy.

If the court is satisfied with your reasons, you must still

receive a briefing within 30 days after you file. You must

file a certificate from the approved agency, along with a

copy of the payment plan you developed, if any. If you do

not do so, your case may be dismissed.

Any extension of the 30-day deadline is granted only for

cause and is limited to a maximum of 15 days.

 I am not required to receive a briefing about

credit counseling because of:

 I am not required to receive a briefing about credit

counseling because of:

 Incapacity.

I have a mental illness or a mental deficiency

that makes me incapable of realizing or

making rational decisions about finances.

 Incapacity.

I have a mental illness or a mental deficiency that

makes me incapable of realizing or making rational

decisions about finances.

 Disability.

My physical disability causes me to be

unable to participate in a briefing in person,

by phone, or through the internet, even after I

reasonably tried to do so.

 Disability.

My physical disability causes me to be unable to

participate in a briefing in person, by phone, or

through the internet, even after I reasonably tried to

do so.

 Active duty.

I am currently on active military duty in a

military combat zone.

 Active duty.

I am currently on active military duty in a military

combat zone.

If you believe you are not required to receive a

briefing about credit counseling, you must file a

motion for waiver credit counseling with the court.

If you believe you are not required to receive a briefing

about credit counseling, you must file a motion for waiver

of credit counseling with the court.

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 5

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Debtor 1 LeMar Allen Bowers Case number (if known)

Part 6: Answer These Questions for Reporting Purposes

16. What kind of debts do

you have?

16a. Are your debts primarily consumer debts? Consumer debts are defined in 11 U.S.C. § 101(8) as “incurred by an

individual primarily for a personal, family, or household purpose.”

 No. Go to line 16b.

 Yes. Go to line 17.

16b. Are your debts primarily business debts? Business debts are debts that you incurred to obtain

money for a business or investment or through the operation of the business or investment.

 No. Go to line 16c.

 Yes. Go to line 17.

16c. State the type of debts you owe that are not consumer debts or business debts

17. Are you filing under

Chapter 7?

 No. I am not filing under Chapter 7. Go to line 18.

Do you estimate that

after any exempt

property is excluded and

administrative expenses

are paid that funds will

be available for

distribution to unsecured

creditors?

 Yes. I am filing under Chapter 7. Do you estimate that after any exempt property is excluded and administrative expenses

are paid that funds will be available to distribute to unsecured creditors?

 No

 Yes

18. How many Creditors do

you estimate that you

owe?

 1-49

 50-99

 100-199

 200-999

 1,000-5,000

 5001-10,000

 10,001-25,000

 25,001-50,000

 50,001-100,000

 More than100,000

19. How much do you

estimate your assets to

be worth?

 $0 - $50,000

 $50,001 - $100,000

 $100,001 - $500,000

 $500,001 - $1 million

 $1,000,001 - $10 million

 $10,000,001 - $50 million

 $50,000,001 - $100 million

 $100,000,001 - $500 million

 $500,000,001 - $1 billion

 $1,000,000,001 - $10 billion

 $10,000,000,001 - $50 billion

 More than $50 billion

20. How much do you

estimate your liabilities

to be?

 $0 - $50,000

 $50,001 - $100,000

 $100,001 - $500,000

 $500,001 - $1 million

 $1,000,001 - $10 million

 $10,000,001 - $50 million

 $50,000,001 - $100 million

 $100,000,001 - $500 million

 $500,000,001 - $1 billion

 $1,000,000,001 - $10 billion

 $10,000,000,001 - $50 billion

 More than $50 billion

Part 7: Sign Below

For you I have examined this petition, and I declare under penalty of perjury that the information provided is true and correct.

If I have chosen to file under Chapter 7, I am aware that I may proceed, if eligible, under Chapter 7, 11,12, or 13 of title 11,

United States Code. I understand the relief available under each chapter, and I choose to proceed under Chapter 7.

If no attorney represents me and I did not pay or agree to pay someone who is not an attorney to help me fill out this

document, I have obtained and read the notice required by 11 U.S.C. § 342(b).

I request relief in accordance with the chapter of title 11, United States Code, specified in this petition.

I understand making a false statement, concealing property, or obtaining money or property by fraud in connection with a

bankruptcy case can result in fines up to $250,000, or imprisonment for up to 20 years, or both. 18 U.S.C. §§ 152, 1341, 1519,

and 3571.

/s/ LeMar Allen Bowers

LeMar Allen Bowers Signature of Debtor 2

Signature of Debtor 1

Executed on October 9, 2020 Executed on

MM / DD / YYYY MM / DD / YYYY

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 6

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Debtor 1 LeMar Allen Bowers Case number (if known)

For your attorney, if you are

represented by one

If you are not represented by

an attorney, you do not need

to file this page.

I, the attorney for the debtor(s) named in this petition, declare that I have informed the debtor(s) about eligibility to proceed

under Chapter 7, 11, 12, or 13 of title 11, United States Code, and have explained the relief available under each chapter

for which the person is eligible. I also certify that I have delivered to the debtor(s) the notice required by 11 U.S.C. § 342(b)

and, in a case in which § 707(b)(4)(D) applies, certify that I have no knowledge after an inquiry that the information in the

schedules filed with the petition is incorrect.

/s/ James E. Kane, Esquire Date October 9, 2020

Signature of Attorney for Debtor MM / DD / YYYY

James E. Kane, Esquire 30081

Printed name

Kane & Papa, P.C.

Firm name

P.O. Box 508

Richmond, VA 23218-0508

Number, Street, City, State & ZIP Code

Contact phone 804-225-9500 Email address jkane@kaneandpapa.com

30081 VA

Bar number & State

Official Form 101 Voluntary Petition for Individuals Filing for Bankruptcy page 7

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Document Page 7 of 26
Fill in this information to identify your case:

Debtor 1 LeMar Allen Bowers

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: EASTERN DISTRICT OF VIRGINIA

Case number

(if known)  Check if this is an

amended filing

B 104 

For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest

Unsecured Claims Against You and Are Not Insiders 12/15

If you are an individual filing for bankruptcy under Chapter 11, you must fill out this form. If you are filing under Chapter 7, Chapter 12, or

Chapter 13, do not fill out this form. Do not include claims by anyone who is an insider. Insiders include your relatives; any general partners;

relatives of any general partners; partnerships of which you are a general partner; corporations of which you are an officer, director, person

in control, or owner of 20 percent or more of their voting securities; and any managing agent, including one for a business you operate as a

sole proprietor. 11 U.S.C. § 101. Also, do not include claims by secured creditors unless the unsecured claim resulting from inadequate

collateral value places the creditor among the holders of the 20 largest unsecured claims.

Be as complete and accurate as possible. If two married people are filing together, both are equally responsible for supplying correct

information.

Part 1: List the 20 Unsecured Claims in Order from Largest to Smallest. Do Not Include Claims by Insiders.

Unsecured claim

1 What is the nature of the claim? Consumer Debt $ $741.00

BB&T

Attn: Bankruptcy

P.O. Box 1847

Wilson, NC 27894

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

2 What is the nature of the claim? 2016 Chevrolet

Suburban

$ $1,455.00

Capital One Auto Finance

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $ $39,356.00

B104 (Official Form 104) For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest Unsecured Claims Page 1

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Debtor 1 LeMar Allen Bowers Case number (if known)

Value of security: - $ $37,901.00

Contact phone Unsecured claim $ $1,455.00

3 What is the nature of the claim? 1204 Alcindor Road

Portsmouth, VA 23701

Portsmouth City

$ $14,652.00

Carrington Mortgage Services

Attn: Bankruptcy

Po Box 3730

Anaheim, CA 92806

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $ $180,902.00

Value of security: - $ $166,250.00

Contact phone Unsecured claim $ $14,652.00

4 What is the nature of the claim? Consumer Debt $ $434.00

Citibank/The Home Depot

Attn: Recovery/Centralized

Bankruptcy

Po Box 790034

St Louis, MO 63179

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

5 What is the nature of the claim? Consumer Debt $ $1,168.00

Comenity Bank/Wayfair

Attn: Bankruptcy Dept

Po Box 182125

Columbus, OH 43218

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

6 What is the nature of the claim? Utilities $ $1,200.00

Dominion Energy

P O Box 26543

Colonial Heights, VA 23834

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

B 104 (Official Form 104) For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest Unsecured Claims Page 2

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Debtor 1 LeMar Allen Bowers Case number (if known)

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

7 What is the nature of the claim? Personal Property

Taxes

$ $3,717.00

Hanover County Treasurer

P.O. Box 430

Hanover, VA 23069

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

8 What is the nature of the claim? Water System $ $6,768.00

Independent Savings Plan

Company (ISPC)

Attn: Bankruptcy

1115 Gunn Highway Suite 100

Odessa, FL 33556

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

9 What is the nature of the claim? Income Taxes $ $696,245.00

Internal Revenue Service

Centralized Insolvency Operati

P. O. Box 7346

Philadelphia, PA 19101-7346

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

B 104 (Official Form 104) For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest Unsecured Claims Page 3

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Debtor 1 LeMar Allen Bowers Case number (if known)

10 What is the nature of the claim? Legal Fees $ $2,900.00

Kelly Barnhart

580 E Main Street

Suite 300

Norfolk, VA 23510

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

11 What is the nature of the claim? Guaranty of business

debt

$ $60,256.00

Knight Capital Funding

9 E Loockerman St

#3A-543

Dover, DE 19901

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

12 What is the nature of the claim? Student Loan $ $150,606.00

Navient

PO Box 4450

Portland, OR 97208

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

13 What is the nature of the claim? Guarantee of

Business Debt

$ $40,268.00

On Deck Capital, Inc.-Client

4201 Wilson Blvd.

Suite 110-209

Arlington, VA 22203

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

B 104 (Official Form 104) For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest Unsecured Claims Page 4

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Document Page 11 of 26
Debtor 1 LeMar Allen Bowers Case number (if known)

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

14 What is the nature of the claim? 2012 Audi A6 140,000

miles

$ $4,871.00

Partnersffcu

400 North 8th Street

Richmond, VA 23219

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $ $14,546.00

Value of security: - $ $9,675.00

Contact phone Unsecured claim $ $4,871.00

15 What is the nature of the claim? Consumer Debt $ $1,362.00

Synchrony/Ashley Furniture

Homestore

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

16 What is the nature of the claim? Guarantee of

Business Debt

$ $6,768.00

TBF Financial LLC

Attn: Bankruptcy Department

740 Waukegan Road, Suite 404

Deerfield, IL 60015

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

17 What is the nature of the claim? Civil Judgment $ $1,489.00

The Nesbitt Law Firm

B 104 (Official Form 104) For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest Unsecured Claims Page 5

Software Copyright (c) 1996-2020 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 12 of 26
Debtor 1 LeMar Allen Bowers Case number (if known)

1915 Huguenot Road

Suite 303

Richmond, VA 23235

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

18 What is the nature of the claim? Consumer Debt $ $741.00

Truist Bankruptcy Section

P.O. Box 1847

Wilson, NC 27894

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

19 What is the nature of the claim? Consumer Debt $ $2,196.00

Verizon Wireless

P.O. Box 761

Houston, TX 77210

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $

Value of security: - $

Contact phone Unsecured claim $

20 What is the nature of the claim? 2015 Acura TLX 65000

miles

$ $4,537.00

Wells Fargo Dealer Services

Attn: Bankruptcy

Po Box 19657

Irvine, CA 92623

As of the date you file, the claim is: Check all that apply

 Contingent

 Unliquidated

 Disputed

 None of the above apply

Does the creditor have a lien on your property?

 No

Contact  Yes. Total claim (secured and unsecured) $ $21,087.00

B 104 (Official Form 104) For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest Unsecured Claims Page 6

Software Copyright (c) 1996-2020 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 13 of 26
Debtor 1 LeMar Allen Bowers Case number (if known)

Value of security: - $ $16,550.00

Contact phone Unsecured claim $ $4,537.00

Part 2: Sign Below

Under penalty of perjury, I declare that the information provided in this form is true and correct.

X /s/ LeMar Allen Bowers X

LeMar Allen Bowers Signature of Debtor 2

Signature of Debtor 1

Date October 9, 2020 Date

B 104 (Official Form 104) For Individual Chapter 11 Cases: List of Creditors Who Have the 20 Largest Unsecured Claims Page 7

Software Copyright (c) 1996-2020 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 14 of 26
}bk1{Credito AresMatix}bk{

BB&T

Attn: Bankruptcy

P.O. Box 1847

Wilson, NC 27894

Capital One

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Capital One Auto Finance

Attn: Bankruptcy

Po Box 30285

Salt Lake City, UT 84130

Carrington Mortgage Services

Attn: Bankruptcy

Po Box 3730

Anaheim, CA 92806

Citibank/The Home Depot

Attn: Recovery/Centralized Bankruptcy

Po Box 790034

St Louis, MO 63179

Comenity Bank/Wayfair

Attn: Bankruptcy Dept

Po Box 182125

Columbus, OH 43218

Commonwealth Radiology

1508 Willow Lawn Drive

Suite 117

Richmond, VA 23230

Dominion Energy

P O Box 26543

Colonial Heights, VA 23834

Genesis Bankcard Services

Attn: Bankruptcy Department

Po Box 4477

Beaverton, OR 97076

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 15 of 26
Hanover County Treasurer

P.O. Box 430

Hanover, VA 23069

Independent Savings Plan Company (ISPC)

Attn: Bankruptcy

1115 Gunn Highway Suite 100

Odessa, FL 33556

Internal Revenue Service

Centralized Insolvency Operati

P. O. Box 7346

Philadelphia, PA 19101-7346

Jefferson Capital Systems

P O Box 772813

Chicago, IL 60677

Kelly Barnhart

580 E Main Street

Suite 300

Norfolk, VA 23510

Knight Capital Funding

9 E Loockerman St

#3A-543

Dover, DE 19901

Knight Capital Funding

110 SE 6TH Street

Suite 700

Fort Lauderdale, FL 33301

Navient

PO Box 4450

Portland, OR 97208

On Deck Capital, Inc.-Client

4201 Wilson Blvd.

Suite 110-209

Arlington, VA 22203

Partnersffcu

400 North 8th Street

Richmond, VA 23219

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 16 of 26
Quantum 3 Group LLC

Comenity Bank

P.O. 788

Kirkland, WA 98083

Shapiro & Brown, LLP

501 Independence Pkwy.

Suite 203

Chesapeake, VA 23320

SPG Advance

1221 McDonald Ave

Brooklyn, NY 11230

SublettPearson PLC

P.O. Box 20869

Roanoke, VA 24018

Synchrony/Ashley Furniture Homestore

Attn: Bankruptcy

Po Box 965060

Orlando, FL 32896

TBF Financial LLC

Attn: Bankruptcy Department

740 Waukegan Road, Suite 404

Deerfield, IL 60015

The Nesbitt Law Firm

1915 Huguenot Road

Suite 303

Richmond, VA 23235

Truist Bankruptcy Section

P.O. Box 1847

Wilson, NC 27894

Verizon Wireless

P.O. Box 761

Houston, TX 77210

Wells Fargo Dealer Services

Attn: Bankruptcy

Po Box 19657

Irvine, CA 92623

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 17 of 26
Form 1040 O,;ipartment of the Treasury - Intern a Revenue Service (

9

U.S. Individual Income Tax Return 9) 120, a 1 0MB No. I 545-0074 I IRS use Only - Do not wrne 0< staple ,n thos space.

Filing status: I I Single I XI Mamed fil,na ,olntlv I Married l1ling separately I Head of househOld I I Quahlv1no w1dow(erl 

Your first name and initial Last name Your social security number 

LEMAR A BOWERS 227-45-6396

Your s1andard deo:uchon I I Someone can claim vou as a d pendent I I You were oorn before Januarv 2, 1

9

54 I I You are blu><l 

If joint return, spouse1s f1rsi name and initial Lasl name Spouse's social security nuImber 

MELANIE H BOWERS 218-15-0163 

Spouse standard deduction: 0 Someone can claim your si; >use as a dependenl D Spouse was ",Qrn before January 2, 1954 � Full-year heallh care coverage 

D or exempt (see mst.) Spouse is blind O Spouse itemizes on a sepa r te return or you were dual-status alien 

Home address (number and slreel). If you have a P.O. box, se 

10250 SCOTS LANDING ROAD 

City. town 0< post office. slate. and ZIP code. If you have a for 

MECHANICSVILLE VA 23116-

Dependents (see instructions): 

(1) First name Last name 

JOEL BOWERS 

IZAIAH BOWERS 

KEZIAH BOWERS 

Sign Under penaltes ol perjury, I declare ti 

Here are true, correcl, and complete. Oeela 

Joint return? 

Your signature 

See instructions. ►

Keep a copy Spouse's s1gnature. If a foint relurr 

for your records. 

Prepare,·s name 

Paid CHRISTOPHER CANT� 

Preparer F rm's name ► CHRISTOP

Use Only Frm's address ► 2530 GAS

HENRICO, 

BM For Disclosure, Privacy Act, and PapeN 

Form 1040 (2018) 

Attach Form(s) 1 Wages, salaries, tips, , 

W-2. Also attach 

Form(s) W-2G :2a Tax-exempt interest .. 

and 1099-R if tax 3a Qualified dividends ... was withheld.

4a IRAs, pensions, and aI 

5a Social security benefit 

6 Total income. Add lines 1 th1 

7 Adjusted gross income 

Standard line 6; otherwise, subt 

Deduction for - -8 Standard deduction o 

• Single or --

married filing 9 Qualified business inc, 

separately, 10 Taxable income. Subt, $12,000 

11 a Tax (see inst.) 

instruclions. /\pl. no. Presidential Election Campaign 

(see 1nsl.) Ovou [=1 Spouse 

ign address, attach Schedule 6. If more than rour dependents, 

see 111st. and ✓ here ► 1=i 

(2) Social security (3) Relationship to you (4) ✓ 1f quahfles for (see 1ns1.): number Child Ia)( credit Ctedn for olhe r de--noents 

230-89-5412 SON X 

225-85-0697 SON X 

695-07-3354 DAUGHTER X 

at I have examined this return and accompanying schedules and statements, and to the best of my knowtedge and belief, they !ation of preparer (other than taxpayer) Is based on all information of which preparer has any knowledge. 

Date Your occupation �:::

. 

l�t

:1�� a11 '4Jet1t1ty Protectaon 

here (see inst.) 

both must sign. Dale Spouse's occupation �

I

I�� l=�

t

:r"�ru an lderil1ty Protection 

here (see inst.) 

PTIN 

RA I2HRISTbPHER CANTARA P01420040 r

irm's EIN 

46-1248459 �ck1f:

3rd Party Oesignee 

ER CANTARA CPA LLC Phone no. 804-261-0100 

INS RD 

VA 23238 

ork Reduction Act Notice, see separate instructions. FOIAOl I2L 

tc. Attach Form(s) W-2. 

... .. 

... 

... , 

nuities ... 

. .. ..... 

2a

3a 

4a 

Sa 

. . . . . . . . . . . . -

ugh 5. Add any amount from Schedule 1, line 22 

··············· .. 

b Taxable interest ...

b Ordinary dividends .

b Taxable amount. .... 

b Taxable amount. .. .. 

If you have no adjustments to income. enter the amount from 

act Schedule I, line 36, from line 6 ............ . . . . . . . . 

itemized deductions (from Schedule A) .. ··• ..... .. 

me deduction (see instructions) .................. .. .... 

·········

······· ..

·····.' .. 

act lines 8 and 9 from line 7. If zero or less, enter -0-...... .... 

52 932. (check if any from: 1 0 Form(s) 8814 

01108119 

1 

2b 

3b 

4b 

Sb 

6 

7 

8 

10 

Self-employed 

Form 1040 (2018) 

Page 2

298,876. 

3,594. 

302,470. 

302,470. 

34 333. 

268,137. 

• Married filing 

iointl)'. or 20 Form 4972 30 ) 

Qualifying b Add any amount □ 52,932. iro widow(er), 

$24,000 12 a Child tax crediVcred1t 

• Head of b Add any amount fro 

household, 13 Subtract line 12 from I $18,000 

14 Other taxes. Attach S< • If you 15 Total tax. Add lines 1' checKed any 

box under 16 Federal income tax wi 

Standard 17 Refundable credits: 

deduction, see b Sch. 8812 

instructions. Add any amount from 

18 Add lines 16 and 17. 

Refund 19 II line 18 ,s more than line 

20 a Amount of I ine 19 yoc 

Direct deposit? ► b Routing number ..... 

See instructions. ► d Account number ..... 

21 Amount of line 19 you want 

Amount You Owe 22 Amount you owe. Sublract 

23 Estimated tax penalty 

Go to wiw;.irs.gov/Fomn/040 for instructions and the late 

In Schedule 2 and check here. .... , .... ... ..... ·········· ► 

or other dependents 3 000. 

11 Schedule 3 and check here. ... ····· ... .... .. . . . . . . . . [g] ' ► 

ne 11. If zero or less, enter -0-... ····•········· 

hedule 4 ............ . . . ' . . . . . . . . . . . . . . . . " . 

··········· ...... 

·········· , .... and 14 ....... .............. ...... . . . . ' . . . . . ' . . ' . . . .. . .. 

hheld from Forms W-2 and 1099 ... ... ... 

EiC (see inst.) 

c Form 8863 

Schedule 5 

hese are your total payments . 

. . 

. ······· 

.. 

... . 

·········· .. ... ... 

.. 

.. . .. 

.. . .... 

... ········· 

!J, subtract line 15 from line 18. This Is the amount you overpaid ............... 

want refunded to you. if Form 8888 is attached, check here . ► D 

.. 1051404260 I ► c Type: [XI Checking O Savings 

.. 252956743 I 

21 applied I to your 2019 estimated tax ... ... 

► 

ine 18 from line 15. For details on how to pay, see instructions ... 

(see instructions . ). . . . . . . . . . . . . . . . . ► I 23 I 

information. 

... . ....... ►

11 

12 5,650.

13 47 282.

14 820.

15 48,102. 

16 49 220.

17 

18 49 220. 

19 1 118. 

20a 1 118.

Fol'm 1040 (2018) 

Exhibit A

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 18 of 26
SCHEDULE 3 

(Form 1040) 

Department of the Treasur•,.. 

Internal Revenue SeNice 

Nonrefundable Credits 

► Attach to Form 1040.

► Go to WWII .irs.gov/Form1040 for instructions and the latest information.

0MB I\o. 1545-0074 

2:018 

Anachnient 

Sequence No. 03 

Narne(s) shown on Form 1040 Your social security numbor 

LEMAR A AND MELANIE H BOWERS 227-45-6396

Nonrefundable 

Credits 

48 Foreign tax credit. Attach Form 1116 if required............. . . . . . . . . . . ..... . 

49 Credit for child an dependent care expenses. Attach Form 2441 .................. . 

50 Education credits rom Form 8863, line 19 .................. . 

48 

49 

50 

51 Retirement saving contributions credit. Attach Form 8880... . . . . . . . . . . . . . . . . . . . . 1--

5_

1-+---------

52 Reserved........ . . . . . . . .. . . . . . . . . .. .. . .. .. .. . . .. .. .. . . . . . .. .. . .. . . . . . . . . . . . 52 

1------11

--------- 53 Residential energ) credit. Attach Form 5695. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ,__5_3-+-

---

-----

54 Other credits from Form a D 3800 b � 8801 c O ----------1-----1 

54 _____ _,__2, -'-6-'-5-'-0-'--. 

55 Add the amounts i 1 the far right column. Enter here and include on Form l 040, 

line12 .......... ..... ....................................................... 55 2,650. 

BAA For Paperwork Reduction Act Notice, se� your tax return instructions. Schedule 3 (Fo,m 1040) 2018 

FOIA0105L 08103/18 

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 19 of 26
SCHEDULE4 Other Taxes (Form 1040) 

Department of the Treasury ► Attach to Form 1040. 

lntemal Revenue Service ► Goto wwi, .irs.gov/Form1040 for instructions a nd the latest information. 

Name(s) shown on form 1 040 

LEMAR A AND MELANIE H BOWERS 

Other 57 

Taxes 513 

5!3 

Gila 

b 

6'1 

6:2 

6:3 

64 

Self-employment tax. Attach Schedule SE. -..,. .. . . ..... ............. . . . . ............ 

b □ 8919 . . . ... . ....... ..................... .. 

Additional tax on IRA other qualified relirement plans, and other tax-favored 

, ....... 

--·-·· 

Uo,epo,ted soc,al �f y aod Medica,e ta> •om, Fo,m , D 4137 

accounts. Attach For 5329 11 required.... . . . . . . . . . . . . . . . . . . . . . . . . . ....... , .. 

Household employme t taxes. Attach Schedule H .... .... ..... .. ...' .. ...... 

Repayment of first-tirr e homebuyer credit from Form 5405. Attach Form 5405 if 

required ....... .. ....

Health care: individua 

Taxes from: a� Fo1 

c D Instructions; ent 

Section 965 net tax Ii, 

Add the amounts in tt 

and on Form 1040, lin 

. ...... , ....... ......... ················' 

responsibility (see instructions) . --····· ···· 

m 8959 b D Form 8960 

r code(s) 

bilily installment from Form 965-A .... I s3 I 

' . .. . ' . . . . ... .. . .. 

..... .......... . , , .

e far right column. These are your total other taxes. Enter here 

e 14. , ... , ' ' ' ' .... , ... ....... ... ,. , ..... , .......... ·•· ... 

BAA For Paperwork Reduction Act Notice, see your tax return instruct1ons. 

FO A0106l 08/02/18

0MB No. 1545-0074 

2:018 

At1actvnen1 

Sequence No. 04 

Your social socuriity numbor 

227-45-6396

57 

58 

59 359. 

60a 

60b 

61 

62 461. 

64 820 

Schedule 4(Fo1m 1040)2018 

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 20 of 26
SCHEDULE 6 

(Form 1040) Fore gn Address and Third Party Designee 

► Attach to Form 1040. 

0MB No. 1545-0074 

2018 

Department of the T,easur)' 

Internal Revenue Service ► Go to wwv irs.gov/Form1040 for instructions and the latest information. Altachment 

Sequen oe 1\1). OSA 

Name(s) shown on Form 11)40 

LEMAR A AND !MELANIE H BOWERS 

Foreign 

Address 

Foreign country name I F(){e1gn p,ovince/county 

Third Party 

Designee 

Do you want to allow another i erson to discuss this return with the IRS (see instructions)'

DE!s1gnee's 

na,me ► CHRISTOPHEi CANTARA

BAA For Paperwork Reduction Act Notice, see your tax return instructions. 

FDIA0108t. 08114/18 

Phone ► 

00. 804-261-0100

Your social security number 

227-45-6396

F ore1gn postal code 

IB] Yes. Complete below. D No 

Personal 1dent1f1cahon 

number (PIN) ► 54 621

Schedule 6 (Form 1040) 2018 

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 21 of 26
SCHEDULE A Itemized Deductions 0MB No. l !>45-00/4 

(Form 1040) ►Go to WWM .irs.gov/Schedu/eA for instructions and the latest information. 2018 

Depanrnent of the Treasuri1 ► Attach to Form 1040. 

Internal Revenue Service (99) Caution: If you a, � cla,m,ng a net qualified disaster loss on Form 4684, see the Instrucllons lor hoe 16. At1achmen1 

Sequen<:e No. 07 

Narne(s) shown on Fom, 1040 I Your social se<:urity numt,., 

LEMAR A AND MELANIE H BOWERS 227-45-6396

Medical 

and 

Dental 

Expenses 

Taxes You 

Paid 

Interest 

You Paid 

Caution: 

)our mo,1gage 

•nte,est 

ded.>et1cn may 

oe 1om,1e<1 (see 

lf'\St1ucttoos). 

Gifts to 

Charity 

I! )00 made a �ft 

and gol a bencr.1 l0< 

ii, ':>tJe 1nstruchor1�. 

Casualty and 

Theft Losses 

Other 

Itemized 

Deductions 

Total 

Itemized 

Deductions 

Caution: Do not include e penses reimbursed or paid by others. 

1 Medical and dental expenses (se1 1nstruct1ons) ..... 

2 Enter amount from Form 1040, hr � 7. ... I 2 I

3 Multiply ltne 2 by 7 .5% (0. �75) .. 

4 Subtract hne 3 from hne 1 If line 3 Is more than hne 1, enter -0-

5 State and local taxes. 

6 

7 

8 

9 

a State and local income la es or general sales taxes. You may 

include either income taxt IS or general sales taxes on line Sa, 

but not both. If you elect t I> include general sales taxes instead 

ot income taxes, check th IS box. ► D

b State and local real estate taxes �ee mstrucllons) .. ...... · •

<: State and local personal 1 roperty taxes. ..... 

cl Add lines Sa through Sc. .. 

Et Enter the smaller ol hne 'or $10,000 ($5,000 if married ft/mg 

separately} . . . . . . . . . . . . . . . . . . . . . . . . . . . .............. 

Other taxes. List type andr

mount ► _____________ 

---------- -- ------------------

Add Imes Se and 6 .. .. ... .. . . . . . . 

Home mortgage interest , nd points. If you didn't use all of your 

home mortgage /oan(s) le buy, build, or improve your home, 

see instructions and chec this box. ► 0

;3 Home mortgage interest , 

1098 ... ... .... ...

b Home mortgage interest , 

paid to the person from v 

instructions and show the 

address ► 

------------

------------

------------

------------

c Pomts not reported to you on Fe 

d Reserved .. ... 

e Add ltnes Sa through Sc. 

Investment interest. Atta 

instructions. ..

nd points reported to you on Form 

.. . .... ....... . .. .. ...... 

ot reported to you on Form 1098. If 

horn you bought the home. seu 

person's name, 1dent1fy1ng no., and 

�------------------

-------------------

�------------------

�------------------

m 1008. See 1nstruct1ons for special rules ..... 

... ...... .. .. ......... ' 

h Form 4952 1f required. See 

. . 

1 

3 

... 

Sa 

Sb 

Sc 

Sd 

Sc 

6 

.. 

Sa 

Sb 

Sc 

8d 

Sc 

9 

. . ... 

. ... 

·······

16 345. 

4 523. 

20 868. 

10 000. 

........ 

21,833. 

21,833. 

10 Add lines Se and 9 ..... ············ ..... , ..... . . . . , . ... . ...... . , ..... , .......... , .. 

11 

12. 

13: 

1l) 

1 �. 

16 

17 

18 

Gifts by cash or check. If you made any gift of $250 or more, 

see 1nstruct1ons .. ... ... . ... . .. 11 2 500. 

Other than by cash or ch �ck. If any gift of $250 or 

more, see instructions. ) ou must attach Form 8283 if 

over $500 ... .. .. . . . . 12 

Carryover from prior yea . . . .. . . ..... ..... 13 

Add Imes 11 throuah 13 

Casualty and theft loss(E 

losses). Attach Form 4� 

Other-from hst In mstru 

-----------

Add the amounts ,n the 

Also, enter this amount 

If you elect to itemize d 

deduction, check here. 

... .... .. ............. ... ...... 

IS) from a federally declared disaster (other than net quahf1ed disaster 

14 and enter the amount from line 18 of that form. See instructions. 

t1ons. List type and amount ► -----------------

-------------- -----------------

ar right column for Imes 4 through 16. 

�n Form 1040, ltne 8. .. ..

duct1ons even though they are less than your standard 

....

... ·□

4 Q, 

7 10,000. 

10 21 833. 

14 2,500. 

15 0. 

16 0. 

17 34,333. 

BAA For Paperwork Reduction Act Notice, Jee the Instructions for Form 1040. FDIA0301L 11/29/18 Schedule A (Form 1040) 2018 

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 22 of 26
Form 5329 /. dditional Taxes on Qualified Plans 0MB No. 1545-0074 

(lncludir g IRAs) and Other Tax-Favored Accounts 

► 2018 Attach to Form 1040 or Form 1040NR.

P,,';�\"�������es�iic�ri• (99) ►Go to wwi .irs.gov/Form5329 for instructions and the latest information. A1tachme11t 

Sequence No. 29

Name of ind,vedual subject to additional ta:c. II married filing jo1 tly, see instructions. Your social security number 

MELANIE H BOWERS 218-15-0163 

Home address (numt er and street). or P .0. box 11 ma,I 1s nol del11Jered to your home I

Apl. no. 

Fill in Your Address. Only City. town °' posl ofl e, slate, and ZIP code. II you have a foreign add,ess. also complele if You Are Filing Th is ► the spaces below. 5• instruct1ons, If this is an amended 

Form by Itself and Not return, check here ► □ With Your Tax Retu m 

Foreign country nam l Fore,gn province/slale/coonty Foreign postal code 

If you onlb owe the additional 10% tax on earl 

Form 104 NR, line !i7, without filing Form 532( distributions, you may be able to report this tax directl� on Schedule 4 [orm 1040), line 59, or 

See the instructions for Schedule 4 (Form 1040), line 9, or for Form 1 40NR, line 57. 

I Part I I Additii

onal Tax on Early Dis ributions.

Comple,te this part if you took a ta 

59· l /2 1from a qualified retirement 

able �istribution .

(other than a 

.

qualified 2017 disaster distribution) before you reached age 

,tan (including an IRA) or mod1f1ed endowment contract (unless you are reporting this tax 

directly on Form 1040 or Form 1 (}II ONR - see above). You may also have to complete this part to indicate that you qualify for an 

arly distributions or for certain Roth IRA distributions. See instructions. 

1 

2 

3 

4 

excepti,on to the additional tax on 

Early distributions included in income. Fe 

Early distributions included on line 1 that 

Enter the appropriate exception number 

Roth IRA distributions, see instructions .. ............ 

are not subject to the additional tax (see instructions). 

om the instructions: 

.... ....... 

Amount subject to additional tax. Subtrac line 2 from hne 1.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

Additional tax. Enter 10% (0.10) of line�

. Include this amount on Schedule 4 (Form 1040), line 59, or Form 1040NR, line 57 .. 

Caution: If any part of the amount on tin 3 was a distribution from a SIMPLE IRA, you may have to 

include 25% of that amount on line 4 inslfad of 10%. See instructions. 

1 3 594. 

2 

3 3 594. 

4 359. 

I Part II l Additiional Tax on Certain �

stributions From Education Accounts and ABLE Accounts.

Com P P IHte this art if y ou included n amount in income, on Schedule 1 Form 1040 line 21 or Form 1040NR, line 21 b < ), , 

a Coverdell education savings ace unt (ESA), a qualified tuition program (OTP), or an ABLE account. 

from 

5 Distributions included in income from a C 

6 Distributions included on line 5 that are r 

7 Amount subIei:t to additional tax. Subtra< 

8 Additional tax. Enter 10% (0.10) of line 7. Include 

I Part Ill 1 Additional Tax on Excess C

Comp\e,te this part if.:;ou contributed 

line 17 of your 201 Form 5329. 

9 Enter your excess contributions from line 

go to line 15 ............... ........... 

10 If your traditional IRA contributions for 21 

allowable contribution, see instructions. 1 

11 2018 traditional IRA distributions include 

12 2018 distributions of prior year excess cc 

13 Add lines 10, 11, and 12 ............. 

14 Prior year excess contributions. Subtract 

15 Excess contri butions for 2018 (see instrl 

16 Total excess contributions. Add lines 14 

17 Additional tax. E:nler 6% �

0.06) of the smaller of I 

contributions made in 2019 . Include this amount 01 

I Part IV I Addi1tional Tax on Excess

18 

19 

20 

21 

22 

23 

24 

25 

Comph?te this part it.:;

ou contributeI 

line 2�i of vour 201 Form 5329. 

Enter your e�:cess contributions from Jin 

If your Roth IIRA contributions for 2018 2 

contribution, see instructions. Otherwise 

2018 distributions from your Roth IRAs ( 

Add I ines 19 and 20. .... .. ... . .... 

Prior year ex,cess contributions. Subtrac 

Excess contnibutions for 2018 (see instr 

Total excess contributions. Add lines 22 

Additional lax. Enter 6% �.00) ol the smaller of line 2 

made in 2019). Include I is amount on Schedule 4 

BAA For Privacy .�ct and Paperwork Reduct 

t,verdell ESA, a QTP, or an ABLE account ......... ..... .. ,,, .. 

pt subject to the additional tax (see instructions) .... ...

line 6 from hne 5 ........ --... ... , ....... ············ 

... . ... .. 

. . . . . . ' . . .

his amount on Schedule 4 rForm 1040), line 59, or Form 1040NR, line 57 ......... 

ontributions to Traditional IRAs.

5 

6 

7 

8 

more to your traditional IRAs for 2018 than is allowable or you had an amount on 

16 of your 2017 Form 5329. See instructions. If zero, 

····· .... ..... ······················· ········· .............. 

18 are less than your maximum 

Dtherwise, enter -0-..... .. . ······· ..

in income (see instructions) .. ..... ' 

nlributions (see instructions) ... ......

10 

11 

12 

. . . . . . . . . . . . ' . . . ., ........ . ' . . . . . . . . . . . . . ' ·········•······ .. 

line 13 from line 9. If zero or less, enter •O, ...... .. , .......... , 

t1ons) .. 

md 15 .. . .. ' .. 

, ... 

...... 

. . . ' . . . . . . . . .... , ... 

..... ... ····· ... , 

.. . .. . .. .. , ...

.. , .. . . . . . . . . ' . . 

ne 16 or the value o'olg�

r trad1t1onal IRAs on December 31, 2018 (mcludmg 2018 

Schedule 4 (Form I , line 59, or Form 1040NR, line 57 .................. ...

,.ontributions to Roth IRAs.

9 

13 

14 

15 

16 

17 

more to your Roth IRAs for 2018 than is allowable or you had an amount on 

24 of your 2017 Form 5329. See 1nstructIons. If zero, go lo line 23 

e less than your maximum allowable 

enter -0· .......... 

ee instructions). 

. .. , ..... , ...... , 

.. ........

.... ···••· 

•·· 

.. 

..... 

.. .. 

.. ... , '' ······· .... 

19 

20 

..... ... ·········· . .. 

line 21 from line 18. If zero or less. enter -0- .... ... .. ... ·•· . ..

ct1ons) ....... 

and 23 .. ... 

.... 

.. 

... 

. ... 

. ······· ····· . ........

.. ...... ····· ...... 

..... , 

.. 

. ... 

.... 

or the value of your Roth IRAs on December 31, 2018 (mcludmg 2018 conlnbutIons 

Form 1040), line 59, or Form 1040NR, line 57. . . . . . . . . . . . . . . . . ......... 

... 

. .. , 

.. ...

18 

21 

22 

23 

24 

25 

on Act Notice, see your tax return instructions. FDIA5012l 11/18/18 Form 5329 (2018) 

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 23 of 26
Form 6251 Alti rnative Minimum Tax - Individuals 

0MB l'-<l. 1545-0074 

2018 

Department of the Treasur'I ► Go to ww.. lrs.gov/Form6251 for instructions and the latest information.

Internal Revenue SeMce {99) ► Attach to Form 1 040 or Form 1040NR. ;�����iio. 32

LEMAR A AND MELANIE H BOWERS ;0

;�·

::·

�

·

��;��mber Name(s) shown on Form I 040 or Form I 040NR I I Part I I Alternative Minimum Taxab e Income (See instructions for how to comolete each line.)

1 Enter the amount from Form 1040, line 1 , if more than zero. If Form 1040, line 10, is zero, subtract lines 8 

and 9 of Form 1 040 from line 7 of Form 1 :J40 and enter the result here. (If less than zero, enter as a 

negative amouint.) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ... 1 2 6 8 ,13 7 . 

2a If filing Schedule A (Form 1040), enter th taxes from Schedule A. line 7; otherwise, enter the amount from 

Form 1040, line 8 ..................................................................... ............... . 2a 10 000. 

b Tax refund from Schedule 1 (Form 1040), line 10 or I ne 21. . . . . . . . . . . . . . . . . . . . ........................... , ......... . 2b

c Investment int,erest expense (difference t etween regular tax and AMT) ................................... . 2c

d Depletion (difference between regular tax and AMT) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . 2d 

e Net operating loss deduction from Schedt le 1 (Form 1040), line 21. Enter as a positive amount ........... . 2e 

f Alternative tax net operating loss deducti n . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....... . 21 

g Interest from specified private activity bo1 ds exempt from the regular ta1. . . . . . . . . . . . . . . .•............... 2g 

h Qualified small business stock, see instru lions.......... . . . . . . . . . . . . . . . . . . . . . ............... . 2h 

i Exercise of incentive stock options (exce s of AMT income over regular tax income) ...................... . 2i 

j Estates and musts (amount from Schedul K-1 (Form 1041), box 1 2, code A) ....... .................. .. . 2j 

k Disposition of property (difference betwe1 n AMT and regular tax gain or loss) . . . . . . . . . . . . . . . . . . . ....... . 2k 

I Depreciation o,n assets placed in service after 1986 (difference between regular tax and AMT) ..... .. .. . 21 

m Passive activiltes (difference between Ar-. T and regular tax income or loss) .......... , ...............•..... 2m 

n Loss limitations (difference between AMT and regular tax income or loss) ................................ . 2n

o Circulation costs (difference between reg lar tax and AMT). . . . . . . . . . . . . . . . . . . . . . . . . • . . . . . . . . . . . . . . . . . . . . . 1-2_

0--11--------- p Long-term con1tracts (difference between C\MT and regular tax income) .................................... 1---'2p--11---------

q Mining costs (difference between regular ax and AMT). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . • . . . . . . . . . . . . . . 1-_2q.:....-a1--------- r Research and experimental costs (differe ice between regular tax and AMT

) ............................ .. 1--2-'--1---------

s Income from c:ertain installment sales be ore January 1. 1987 .......................................... .. 1

-,2

,..

.

s-+--------

t Intangible drilling costs preference. .. .. . .. . . . . . . . . . . . . . . . . . . . . • . . . . . . . . . . . . . . . . .. . . . . . .. .. . . . • . . . ,....;;2

.;.

t -1--------

3 Other adjustments, including income-based related adjustments .............................. ....•...... �3-l--------- 4 Alternative mi1nimum taxable income. Cc mbine lines 1 through 3. (If married filing 

separately and line 4 is more than $718,: 00 , see instructions.) ....... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 

I Part II I Alternative Minimum Tax (J Mn

5 Exemption. (If you were under age 24 at the end of 2 018, see instructions.) 

If' your filing :status is . . AND line 4 is not over.... THEN en er t on line 5 .. . . 

Married filing jointly or qualifying widow(E r) 1,000,000......... . . . . . . 109.400 

278 1 37 . 

Single or heacJ of household.. . . . . .. . . $ 500,000.... . . .. . . . . . . . $ 70,300 } Married filing separately................ . . 500,000 ........ . . . . . . 54,700 

If line 4 is ovur the amount shown above for your filing status, see instructions. · · · · · 1--

5-1-------'l'-0'-'-'-, 9 _4-'-0-'0--'-. 

6 Subtract line !5 from line 4. If more than ero, go to line 7. If zero or less, 

enter -0- here and on lines 7, 9, and 11. and go to line 10.......................... . . . . . . . . . . . . . . . . . . �6-<i-----=-l.::.6.::.8.J-:.7.::3c.:7....:.... 

} 1---7 --1------4 3-'--, 87_2. 

7 

8 

• If you are filing Form 2555 or 2555-EZ see instructions for the amount to enter.

• 1f you reported capital gain distributions directly ( n Schedule 1 (Form 1040), line 13; you repo1ted quahl1ed 

dividends on Form 1040 hne 3a; or you had a gai1 on both lines 15 and 16 of Schedule D (Form t040) (as 

refigured for the AMT, 11 necessary), complete Pa Ill on the back and enter the amount from line 40 here.

,. All others: If line 6 is $191,100 or less ($95,550 or less if married filing separately), 

multiply line, 6 by 26% (0.26). Otherwise, multiply line 6 by 28% (0.28) and subtract $3,822 

($1,911 ii married filing separately) Iron the result. 

Alternative minimum tax foreign tax ere( ii (see instructions). . . . ········· .... ···················· ... 8

9 Tentative mi111imum tax. Subtract line 8 f om line 7....... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .... 1-9

-+-----4-=-�...:; 3 8-'7""2�-

1 0 Add Form 1040, line lla (minus any tax tram Form �972), and Schedule 2 (Form 1040), line 46. Subtract from lhe result 

any foreign tax credit from Schedule 3 (form 1040) line 48. 11 you used Schedule J to hgure your tax on Form 1040, 

line lla, refigure that tax without using Schedule J >efore completing this hne (see instructions}... . . . . . . . . . . . . . . . . . . . . 1--

1_0-1-------'5::..:2::..,...-=-9-=3-=2'-"-. 

11 AMT. Subtract line \0 from line 9. If zero or less, 1 nter -0·. Enter here and on Schedule 2 (form \040), hne 45. . . . . . . . . . . . . . . . . 

BAA For Paperwork Reduction Act Notice, s e your tax return instructions, FDtA53121. 111os11a 

11 0. 

Form 6251 (2 018) 

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 24 of 26
Additional Medicare Tax t-orm8959 

Department of the Treasuf}' 

Internal Rev°""" Sen,,u 

► If any line c oes not apply to you, leave it blank. See separate instructions.

► Mtach to Form 1040, 1040NR, 1040-PR, or 1040-SS.

► Go to WM W.irs.gov/Form8959 for instructions and the latest information. 

Name(s) shown on return 

LEMAR A AND MELANIE H BOWERS 

I Part I I Additional Medicare Tax or Medicare Wages 

1 Medicare wages and lips from Form W- , box 5. If you have more 

than one Form W-2, enter the total of tte amounts from box 5. 

2 Unreported tips from Form 4137. line 6 . . . . . 

3 Wages from Form 8919, line 6. 

4 Add lines 1 through 3 . . l .. 

5 Enter the fol lowing amount for your ftl1o r status: 

Married filin�1 jointly . . . . . . . . . . . . . . . . . . . $250,000 

Married filing separately. . . . . . . . . $125,000 

Single, Heac1 of household, or Quahfytn w1dow(er). $200.000 

2 

3 

4 

5 

6 Subtract line 5 from line 4. If zero or le s, enter -0- ........... , . . . . . ... . 

301,203. 

301,203. 

250,000. 

7 Additional Medicare Tax on Medicare wpges. Multiply line 6 by 0.9% (0.009). Enter here and go 

to Part II .. . . . . 

I Part II I Additional Medicare Tax or Self-Employment Income 

8 Self-employment income from Schedul SE (Form 1040), Section 

A, line 4, or Section B, line 6. If you ha j a loss, enter -0- (Form 

1040-PR and Form 1040-SS filers, see nstructtons.) . .. 

9 Enter the following amount for your f11irp status: 

Married l1lin1J JOlntly ......... .. ...... 1·.. . .. . . ' $250,000 

Married l1hn\J separately $125.000 

8 

Single, Heacl of household, or Qualify1np w1dow(er} $200,000 9 1----,1-----------< 

11 Subtract lin€i 10 from line 9. If zero or I ss, enter -0· . . . . ,__

1

_

1�-----------1 

6 

7 

ova No 1545-0074 

2:018 

Auachme,

Sequence 

,t 

No. 71

'

Your soci�I security number 

227-45-6396

51,203. 

461. 

1 O Enter the amount from line 4 . . . . . · 1· .. . . . . . . . . 10 

12 Subtract line 11 from hne 8. If zero or I ss, enter .Q. . . . . . . 12 

1---1----------

13 Add1t1onal Me,d1care Tax on self-employment income. Multiply hne 12 by 0.9% (0.009). Enter here ano 

go to Part 1111.... . . . . . . . . . . . . . . . . . . . • . . . . . . . . . . . . . . . . 13 

I Part Ill I Additional Medicare Tax 01 Railroad Retirement Tax Act (RRTA) Compensation 

14 Railroad retirement (RRTA) compensat bn and lips from Form(s) 

W-2, box 14 (see instructions) ..... . I . . . . • • 

15 Enter the fo'ilowing amount for your fili�g status: 

Married f1hn•� Jointly . . . . . . I $250,000 

Married fihn,g separately.. . . . . . . $125,000 

14 

16 Subtract hm, 15 from line 14. II zero o less, enter -0- . .. . . . .. .. . .. .. . .. .. . . .. . ... 

Single, Hea,j of household, or Qualifyi� w1dow(er)... $200.000 15 

17 Additional Medicare Tax on railroad re rement (RRTA) compensation. Multiply hne 16 by 0.9% 

(0.009). Enter here and go to Part IV. . . . . . . . 

I Part IV I Totall Additional Medicare ax 

18 Add lines 7, 13, and 17. Also include t 1s amount on Schedule 4 (Form 1040), line 62 (check box a) 

(Form 1040NR, 1040-PR, and 1040-SS filers. see 1nstruct1ons). and go to Part V 

I Part V I Withholding Reconciliatio, 

19 Medicare tax withheld from Form W-2, box 6. If you have 

more than one Form W-2, enter the to al of the amount� 

from box 6. . .. 

20 Enter the amount from line l 

19 4,367. 

20 301,203. 

21 Multiply lme 20 by 1.45% (0.0145). Thi� 1s your regular Medicare 

tax withholding on Medicare wages... . . 21 4, 3 67.

22 Subtract hne 21 from line 19. If zero o less, enter -0- This 1s your Additional Medicare Tax 

withholding on Medicare wages . . . . . . 

23 Additional Medicare Tax withholding o railroad retirement (RRTA) compensation frorn Form W-2, 

box 14 (see instructions) .. 

24 Total Additional Medicare Tax withho ding. Add Imes 22 and 23. Also include this amount with 

federal income tax withholding on For h 1040, line 16 (Form 1040NR, 1040-PR. and 1040-SS hlers, 

see instructions) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

BAA For Paperwork Reduction Act Notice, see �our tax return instructions. FOIA630l 08/07118 

16 

17 

18 

22 

23 

24 

461. 

Form 8959 (2018) 

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 25 of 26
AFFIDAVIT PURSUANT TO 11 U.S.C. § 1116(1)(B) 

I, LeMar Allen Bowers, hereby certify under oath that there has been no balance sheet, 

statement of operations, or cash-flow statement prepared for me. 

/s/ LeMar Allen Bowers 

LeMar Allen Bowers 

COMMONWEALTH OF VIRGINIA ) 

CITY OF RICHMOND ); to wit 

Subscribed and sworn to before me on October 9, 2020 by LeMar Allen Bowers. 

/s/ Suzanne Elizabeth Falkowski 

Notary Public 

My Commission Expires: August 31, 2024 

Notary Registration Number: 7868756

Exhibit B

Case 20-34139-KRH Doc 1 Filed 10/13/20 Entered 10/13/20 10:41:27 Desc Main

Document Page 26 of 26