UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

CHAPTER 13 PLAN

AND RELATED MOTIONS

Name of Debtor(s): Phillips, Stacy Lynn Case No:

This Plan, dated 01/21/2021 , 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.

(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, nonpurchase-money security

interest, set out in Section 8.A

Included Not Included

C. Nonstandard provisions, set out in Part 12 Included Not Included

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Document Page 1 of 17
UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s): Phillips, Stacy Lynn

Chapter 13 Plan

2. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of $905.00 per month for 26 months, and

$1,505.00 per month for 34 months. Other payments to the Trustee are as follows: . The total

amount to be paid into the Plan is $74,700.00 .

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 under Local Bankruptcy Rule

2016-1(C)(1)(a) and (C)(3)(a) and will be paid $4,234.00 , balance due of the total fee of

$5,434.00 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

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.

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Document Page 2 of 17
UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s): Phillips, Stacy Lynn

Chapter 13 Plan

Creditor Collateral Description Estimated Value Estimated Total Claim

Synchrony/Ashley Furniture

Homestore

Household goods and

furnishings: Kitchen/dining room

table, 4 chairs, dishes, utensils,

cookware, dining room cabinet,

clothes washer and dryer;

Living/family room table, sofa

and TV stand; Bedroom table, 7

dressers, bed, vacuum, sheets,

towels, blankets 2 chairs and 4

lamps.

$865.00 $1,870.27

Svo Portfolio Services Sheraton Flex Vacation Plan

Timeshare

$1.00 $5,541.34

Svo Portfolio Services Sheraton Flex Vacation Plan

Timeshare

$1.00 $5,121.76

Service Finance Company Sheraton Flex Vacation Plan

Timeshare

$1.00 $4,701.00

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.

Creditor /

Collateral

Approx. Bal. of

Debt or

“Crammed Down”

Value

Interest Rate Monthly Payment & 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.

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 11 % . 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 0.00 .

B. Separately classified unsecured claims.

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Document Page 3 of 17
UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s): Phillips, Stacy Lynn

Chapter 13 Plan

Creditor Basis for Classification Treatment

Freedom Plus Pro-Rata

Co-Debtor

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.

Creditor /

Collateral

Regular

Contract

Payment

Estimated

Arrearage

Arrearage

Interest Rate

Estimated

Cure Period

Monthly

Arrearage

Payment

Freedom Mortgage Corporation (Secured)

5267 Quebec Place Woodbridge, VA 22193

$3,125.00 0.00%

Apple Fcu (Secured)

2015 Dodge Durango

$676.00 0.00%

Wells Fargo Dealer Services (Secured)

2010 Jeep Patriot

$200.29 0.00%

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.

Creditor /

Collateral

Regular Contract

Payment

Estimated Arrearage Interest Rate on

Arrearage

Monthly Payment on

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:

Creditor /

Collateral

Interest Rate Estimated Claim Monthly 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.

Creditor Type of Contract Arrearage Monthly Payment for

Arrears

Estimated Cure Period

ADT Security Corporation Other 60

World Gym Other 60

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Document Page 4 of 17
UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s): Phillips, Stacy Lynn

Chapter 13 Plan

Creditor Type of Contract Arrearage Monthly Payment for

Arrears

Estimated Cure Period

American Water

Resources, LLC

Other 60

XSport Fitness Other 60

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

Konstantin and Fotini

Bakkalapulo

Secured 5267 Quebec Place Woodbridge,

VA 22193

Void service of process

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.

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s): Phillips, Stacy Lynn

Chapter 13 Plan

1. EDVA -- Student Loan Text

* see attached addendum

Case 21-10085-KHK Doc 2 Filed 01/21/21 Entered 01/21/21 15:13:12 Desc Main

Document Page 6 of 17
/s/ Martin C. Conway

Signature

12934 Harbor Drive 107

Woodbridge, VA 22192

Address

Telephone No:

Dated: 01/21/2021

✘ /s/ Stacy Lynn Phillips

Stacy Lynn Phillips

Debtor 1 (Required)

/s/ Martin C. Conway

Debtor(s)’ Attorney

✘

Debtor 2 (Required)

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 01/21/2021 , I mailed a copy of the foregoing to the creditors and parties in interest on the attached Service

List.

CERTIFICATE OF SERVICE PURSUANT TO RULE 7004

I hereby certify that on 01/21/2021 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.

/s/ Martin C. Conway

Signature of attorney for debtor(s)

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Document Page 7 of 17
ADDENDUM

12. Nonstandard Plan Provisions:

1. EDVA -- Student Loan Text

(1) ***ATTN: STUDENT LOAN PROVIDERS/SERVICERS. Attn: Fed Loan Servicing, ECMC, Navient, Department of Education and

any other parties holding Government guaranteed student loans, servicers and guarantors (Collectively referred to hereafter as

“Ed”): The Debtor is not seeking nor does this Plan provide for any discharge, in whole or in part of her student loan obligations. The

Debtor(s) shall be allowed to seek enrollment, or to maintain any pre-petition enrollment, in any applicable income-driven repayment

(“IDR”) plan with the U.S. Department of Education William D. Ford Federal Direct Loan Program, including but not limited to the

Public Service Loan Forgiveness program, without disqualification due to The Debtor's(s') bankruptcy, if otherwise eligible under

Federal law. Any direct payments made from the Debtor(s) to Ed since the filing of the Debtor's(s') petition shall be applied to any

IDR plan in which the the Debtor(s) was/were enrolled prepetition, including but not limited to the Public Service Loan Forgiveness

program, or pursuant to applicable federal regulations. Ed shall not be required to allow enrollment in any IDR unless the the

Debtor(s) otherwise qualifies(y) for such plan. During the pendency of any application by the the Debtor(s) to consolidate the

Debtor's(s') student loans, to enroll in an IDR, direct payment of the Debtor's(s') student loans under an IDR, or during the

pendency of any default in payment of the student loans under an IDR, it shall not be a violation of the stay or other State or

Federal Laws for Ed to send the the Debtor(s'=) normal monthly statements regarding payments due and other communications

including, without limitation, notices of late payments or delinquency. These communications may expressly include telephone calls

and e-mails.

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Document Page 8 of 17
UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

Alexandria Division

In re: Phillips, Stacy Lynn

Debtor(s)

Case No. 

Chapter 13

SPECIAL NOTICE TO SECURED CREDITOR

To: Konstantin and Fotini Bakkalapulo ,

Name of creditor

Attn: 

5267 Quebec Place Woodbridge, VA 22193

Description of collateral

1. The attached chapter 13 plan filed by the debtor(s) proposes (check one):

To value your collateral. See Section 4 of the plan. Your lien will be limited to the value of the collateral, and any amount

you are owed above the value of the collateral will be treated as an unsecured claim.

To cancel or reduce a judgment lien or a non-purchase money, non-possessory security interest you hold. See Section 8

of the plan. All or a portion of the amount you are owed will be treated as an unsecured claim.

2. You should read the attached plan carefully for the details of how your claim is treated.

The plan may be confirmed, and the proposed relief granted, unless you file and serve a written objection by the date specified and

appear at the confirmation hearing. A copy of the objection must be served on the debtor(s), their attorney, and the chapter 13 trustee.

Date objection due:

Date and time of confirmation hearing:

Place of confirmation hearing:

Stacy Lynn Phillips

Name(s) of debtor(s)

By: /s/ Martin C. Conway

Signature

Debtor(s)’ Attorney

Pro se debtor

Martin C. Conway

Name of attorney for debtor(s)

12934 Harbor Drive 107 Woodbridge, VA 22192

Address of attorney [or pro se debtor]

Tel. #

Fax #

CERTIFICATE OF SERVICE

I hereby certify that true copies of the foregoing Notice and attached Chapter 13 Plan and Related Motions were served upon the creditor

noted above by

first class mail in conformity with the requirements of Rule 7004(b), Fed.R.Bankr.P; or

certified mail in conformity with the requirements of Rule 7004(h), Fed.R.Bankr.P

on this 21st day of January , 20 21 .

/s/ Martin C. Conway

Signature of attorney for debtor(s)

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Document Page 9 of 17
Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

Fill in this information to identify your case:

Debtor 1 Stacy Lynn Phillips

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)

Official Form 106I

Be as complete and accurate as possible. If two married people are filing together (Debtor 1 and Debtor 2), both are equally responsible for supplying correct

information. If you are married and not filing jointly, and your spouse is living with you, include information about your spouse. If you are separated and your

spouse is not filing with you, do not include information about your spouse. 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: Describe Employment

1. Fill in your employment

information. Debtor 1 Debtor 2 or non-filing spouse

If you have more than one job,

attach a separate page with

information about additional

employers.

Include part time, seasonal, or

self-employed work.

Occupation may include student

or homemaker, if it applies.

Employment status

Occupation

Employer's name

Employer's address

Employed Not Employed

Victim Justice Program Specialist

Department of Justice

PO Box 60000

Number Street

C/o USDA, National Finance Center

New Orleans, LA 70160

City State Zip Code

Employed Not Employed

Number Street

City State Zip Code

How long employed there? 5 years

Part 2: Give Details About Monthly Income

Estimate monthly income as of the date you file this form. If you have nothing to report for any line, write $0 in the space. Include your non-filing spouse unless you

are separated.

If you or your non-filing spouse have more than one employer, combine the information for all employers for that person on the lines below. If you need more space,

attach a separate sheet to this form.

For Debtor 1 For Debtor 2 or

non-filing spouse

2. List monthly gross wages, salary, and commissions (before all payroll

deductions.) If not paid monthly, calculate what the monthly wage would be. 2. $10,716.55 $0.00

3. Estimate and list monthly overtime pay. 3. + $0.00 + $0.00

4. Calculate gross income. Add line 2 + line 3. 4. $10,716.55 $0.00

Official Form 106I Schedule I: Your Income page 1

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Schedule I: Your Income 12/15

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Document Page 10 of 17
Debtor 1 Stacy Lynn Phillips

First Name Middle Name Last Name

Case number (if known)

For Debtor 1 For Debtor 2 or

non-filing spouse

Copy line 4 here....................................................................................➔ 4. $10,716.55 $0.00

5. List all payroll deductions:

5a. Tax, Medicare, and Social Security deductions

5b. Mandatory contributions for retirement plans

5c. Voluntary contributions for retirement plans

5d. Required repayments of retirement fund loans

5e. Insurance

5f. Domestic support obligations

5g. Union dues

5h. Other deductions. Specify: See additional page

5a.

5b.

5c.

5d.

5e.

5f.

5g.

5h.

$1,767.45

$0.00

$949.46

$66.90

$933.58

$0.00

$0.00

+ $109.85

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

+ $0.00

6. Add the payroll deductions. Add lines 5a + 5b + 5c + 5d + 5e +5f + 5g + 5h. 6. $3,827.24 $0.00

7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $6,889.31 $0.00

8. List all other income regularly received:

8a. Net income from rental property and from operating a business,

profession, or farm

Attach a statement for each property and business showing gross receipts,

ordinary and necessary business expenses, and the total monthly net income. 8a. ($305.00) $0.00

8b. Interest and dividends 8b. $0.00 $0.00

8c. Family support payments that you, a non-filing spouse, or a dependent

regularly receive

Include alimony, spousal support, child support, maintenance, divorce

settlement, and property settlement. 8c. $2,000.00 $0.00

8d. Unemployment compensation 8d. $0.00 $0.00

8e. Social Security 8e. $0.00 $0.00

8f. Other government assistance that you regularly receive

Include cash assistance and the value (if known) of any non-cash assistance

that you receive, such as food stamps (benefits under the Supplemental

Nutrition Assistance Program) or housing subsidies.

Specify: 8f. $0.00 $0.00

8g. Pension or retirement income 8g. $0.00 $0.00

8h. Other monthly income. Specify: 8h. + $0.00 + $0.00

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f +8g + 8h. 9. $1,695.00 $0.00

10. Calculate monthly income. Add line 7 + line 9.

Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse 10. $8,584.31 + $0.00 = $8,584.31

11. State all other regular contributions to the expenses that you list in Schedule J.

Include contributions from an unmarried partner, members of your household, your dependents, your roommates, and other

friends or relatives.

Do not include any amounts already included in lines 2-10 or amounts that are not available to pay expenses listed in Schedule J.

Specify: 11. + $0.00

12. Add the amount in the last column of line 10 to the amount in line 11. The result is the combined monthly income. Write that

amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, if it applies 12. $8,584.31

Combined

monthly income

13. Do you expect an increase or decrease within the year after you file this form?

 No.

 Yes. Explain: 

Official Form 106I Schedule I: Your Income page 2

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Debtor 1 Stacy Lynn Phillips

First Name Middle Name Last Name

Case number (if known)

Amount

5h. Other Deductions For Debtor 1

Dental $85.28

Vision $24.57

Official Form 106I Schedule I: Your Income page 3

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Debtor 1 Stacy Lynn Phillips

First Name Middle Name Last Name

Case number (if known)

8a. Attached Statement

Business Income- Nova Home Studies

FINANCIAL REVIEW OF THE DEBTOR'S BUSINESS (NOTE: ONLY INCLUDE information directly related to the business operation.)

PART A - ESTIMATED AVERAGE FUTURE GROSS MONTHLY INCOME:

1. Gross Monthly Income: $0.00

PART B - ESTIMATED AVERAGE FUTURE MONTHLY EXPENSES:

2. Ordinary and necessary expense $145.00

3. Net Employee Payroll (Other than debtor) $0.00

4. Payroll Taxes $0.00

5. Unemployment Taxes $0.00

6. Worker's Compensation $0.00

7. Other Taxes $0.00

8. Inventory Purchases (Including raw materials) $0.00

9. Purchase of Feed/Fertilizer/Seed/Spray $0.00

10. Rent (Other than debtor's principal residence) $0.00

11. Utilities $0.00

12. Office Expenses and Supplies $0.00

13. Repairs and Maintenance $0.00

14. Vehicle Expenses $0.00

15. Travel and Entertainment $0.00

16. Equipment Rental and Leases $0.00

17. Legal/Accounting/Other Professional Fees $0.00

18. Insurance $0.00

19. Employee Benefits (e.g., pension, medical, etc.) $0.00

20. Payments to be Made Directly by Debtor to Secured Creditors for Pre-Petition Business

Debts

TOTAL PAYMENTS TO SECURED CREDITORS $0.00

21. Other Expenses

Other business expenses $160.00

TOTAL OTHER EXPENSES $160.00

22. TOTAL MONTHLY EXPENSES(Add item 2 - 21)

$305.00

PART C - ESTIMATED AVERAGE NET MONTHLY INCOME:

23. AVERAGE NET MONTHLY INCOME(Subtract item 22 from item 1) ($305.00)

Official Form 106I Schedule I: Your Income page 4

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Document Page 13 of 17
Check if this is:

 An amended filing

A supplement showing postpetition

chapter 13 income as of the following date:

MM / DD / YYYY

Do you have dependents?

Do not list Debtor 1 and

Debtor 2.

Do not state the dependents' names.

 No

Yes. Fill out this information for

each dependent...............

Dependent's relationship to

Debtor 1 or Debtor 2

Dependent's

age

Does dependent live

with you?

Child 16 years No. Yes.

Child 15 years No. Yes.

Child 13 years No. Yes.

 No. Yes.

 No. Yes.

Fill in this information to identify your case:

Debtor 1 Stacy Lynn Phillips

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)

Official Form 106J

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 another sheet to this form. On the top of any additional pages, write your name and case number (if known). Answer every question.

Part 1: Describe Your Household

1. Is this a joint case?

 No. Go to line 2.

 Yes. Does Debtor 2 live in a separate household?

 No

 Yes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Household of Debtor 2.

2.

3. Do your expenses include expenses

of people other than yourself and

your dependents?

 No

 Yes

Part 2: Estimate Your Ongoing Monthly Expenses

Estimate your expenses as of your bankruptcy filing date unless you are using this form as a supplement in a Chapter 13 case to report expenses as of a date after

the bankruptcy is filed. If this is a supplemental Schedule J, check the box at the top of the form and fill in the applicable date.

Include expenses paid for with non-cash government assistance if you know the value of

such assistance and have included it on Schedule I: Your Income (Official Form 106I.)

Your expenses

4. The rental or home ownership expenses for your residence. Include first mortgage payments and any rent for the

ground or lot.

If not included in line 4:

4a. Real estate taxes

4b. Property, homeowner's, or renter's insurance

4c. Home maintenance, repair, and upkeep expenses

4d. Homeowner's association or condominium dues

4.

4a.

4b.

4c.

4d.

$3,125.00

$0.00

$0.00

$190.00

$0.00

Official Form 106J Schedule J: Your Expenses page 1

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Schedule J: Your Expenses 12/15

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Debtor 1 Stacy Lynn Phillips

First Name Middle Name Last Name

Case number (if known)

Your expenses

5. Additional mortgage payments for your residence, such as home equity loans 5. $0.00

6. Utilities:

6a. Electricity, heat, natural gas

6b. Water, sewer, garbage collection

6c. Telephone, cell phone, Internet, satellite, and cable services

6d. Other. Specify: 

6a.

6b.

6c.

6d.

$120.00

$175.00

$488.00

$0.00

7. Food and housekeeping supplies 7. $1,100.00

8. Childcare and children’s education costs 8. $200.00

9. Clothing, laundry, and dry cleaning 9. $49.81

10. Personal care products and services 10. $125.00

11. Medical and dental expenses 11. $440.00

12. Transportation. Include gas, maintenance, bus or train fare.

Do not include car payments. 12. $340.00

13. Entertainment, clubs, recreation, newspapers, magazines, and books 13. $100.00

14. Charitable contributions and religious donations 14. $0.00

15. Insurance.

Do not include insurance deducted from your pay or included in lines 4 or 20.

15a. Life insurance

15b. Health insurance

15c. Vehicle insurance

15d. Other insurance. Specify: Water Line Insurance

15a.

15b.

15c.

15d.

$22.50

$0.00

$223.00

$15.00

16. Taxes. Do not include taxes deducted from your pay or included in lines 4 or 20.

Specify: Personal Property Tax 16. $62.00

17. Installment or lease payments:

17a. Car payments for Vehicle 1

17b. Car payments for Vehicle 2

17c. Other. Specify: 

17d. Other. Specify: 

17a.

17b.

17c.

17d.

$676.00

$0.00

$0.00

$0.00

18. Your payments of alimony, maintenance, and support that you did not report as deducted

from your pay on line 5, Schedule I, Your Income (Official Form 106I). 18. $0.00

19. Other payments you make to support others who do not live with you.

Specify: 19. $0.00

20. Other real property expenses not included in lines 4 or 5 of this form or on Schedule I: Your Income.

20a. Mortgages on other property

20b. Real estate taxes

20c. Property, homeowner’s, or renter’s insurance

20d. Maintenance, repair, and upkeep expenses

20e. Homeowner’s association or condominium dues

20a.

20b.

20c.

20d.

20e.

$0.00

$0.00

$0.00

$0.00

$0.00

Official Form 106J Schedule J: Your Expenses page 2

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Document Page 15 of 17
Debtor 1 Stacy Lynn Phillips

First Name Middle Name Last Name

Case number (if known)

21. Other. Specify: See Additional Page 21. + $228.00

22. Calculate your monthly expenses.

22a. Add lines 4 through 21.

22b. Copy line 22 (monthly expenses for Debtor 2), if any, from Official Form 106J-2

22c. Add line 22a and 22b. The result is your monthly expenses.

22a.

22b.

22c.

$7,679.31

$0.00

$7,679.31

23. Calculate your monthly net income.

23a. Copy line 12 (your combined monthly income) from Schedule I.

23b. Copy your monthly expenses from line 22c above.

23c. Subtract your monthly expenses from your monthly income.

The result is your monthly net income.

23a.

23b.

23c.

$8,584.31

– $7,679.31

$905.00

24. Do you expect an increase or decrease in your expenses within the year after you file this form?

For example, do you expect to finish paying for your car loan within the year or do you expect your

mortgage payment to increase or decrease because of a modification to the terms of your mortgage?

 No.

 Yes.

Explain here:

Car insurance will increase by $365 per month, beginning in April 2021.

Official Form 106J Schedule J: Your Expenses page 3

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Document Page 16 of 17
Debtor 1 Stacy Lynn Phillips

First Name Middle Name Last Name

Case number (if known)

Amount

21. Other

Children's Activities $75.00

Pet Care $40.00

Gym Membership $40.00

Home Security $45.00

Lawn Care- Trugreen Law Service $28.00

Official Form 106J Schedule J: Your Expenses page 4

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