UNITED STATES BANKRUPTCY COURT

Name of Debtor(s): Shirley Ann Ginwright Case No: 20-10872 KHK

CHAPTER 13 PLAN

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

AND RELATED MOTIONS

This Plan, dated , is:

the

a modified Plan that replaces the

Date and Time of

Place of

4/13/2020

confirmed or unconfirmed Plan dated

Modified Plan Confirmation Hearing:

Modified Plan Confirmation Hearing:

first Chapter 13 plan filed in this case.

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.

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

20-10872 KHK Chapter 13 Plan

Shirley Ann Ginwright

A. Included Not Included

B. Included Not Included

C. Included Not Included

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 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

Avoidance of a judicial lien or nonpossessory, nonpurchase-money security

interest, set out in Section 8.A

Nonstandard provisions, set out in Part 12

2. Funding of Plan. The debtor(s) propose to pay the Trustee the sum of

$830.00 per month for 60 months.

The total amount to be paid into the Plan is $49,800.00 .

Other payments to the Trustee are as follows:

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.

2.

concurrently with or prior to the payments to remaining creditors. $4,500.00$5,000.00

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. 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 , balance due of

the total fee of

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.

Creditor Type of Priority Estimated Claim Payment and Term

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:

Internal Revenue Service Taxes $0.00 /

Virginia Department of Taxation Taxes $0.00 /

C. Claims under 11 U.S.C. § 507(a)(1)

Creditor Type of Priority Estimated Claim Payment and Term

The following priority creditors will be paid prior to other priority creditors but concurrently with administrative claims

above.

4. Secured Creditors: Motions to Value Collateral ("Cramdown"), Collateral being Surrendered, Adequate Protection

Payments, and Payment of certain Secured Claims.

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

20-10872 KHK Chapter 13 Plan

Shirley Ann Ginwright

A.

amount owing on the debt. Such debts will be treated as secured claims only to the extent of the replacement

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:

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

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.

Creditor /

Collateral Purchase Date Est. Debt Bal. Replacement Value

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

Pinnacle

Myrtle Beach timeshare

02/01/2017 $5,626.00 $1.00

Pinnacle

Myrtle Beach timeshares -2

02/01/2017 $4,218.00 $0.00

B. Real or Personal Property to be Surrendered.

Creditor Collateral Description Estimated Value Estimated Total Claim

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.

C. Adequate Protection Payments.

Creditor Collateral

Adeq. Protection

Monthly Payment To Be Paid By

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:

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.

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.

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

Payment of Secured Claims on Property Being Retained (except those loans provided for in section 6 of

the Plan):

Creditor /

Collateral

Approx. Bal. of Debt or "Crammed Down" ValueInterest

Rate

Monthly Payment

and Est. Term

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.

Pinnacle

Myrtle Beach timeshare

$1.00 0.00% Pro-Rata

8 months

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

20-10872 KHK Chapter 13 Plan

Shirley Ann Ginwright

Pinnacle

Myrtle Beach timeshares -2

$0.00 0.00%

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

liquidated under Chapter 7, the debtor(s) estimate that unsecured creditors would receive a dividend of

approximately .

100%

100%

. The dividend percentage may vary depending on actual claims filed. If this case were

B. Separately classified unsecured claims. Creditor Basis for Classification Treatment

6.

A. Debtor(s) to make regular contract payments; arrears, if any, to be paid by Trustee. The creditors listed

Creditor /

Collateral

Regular

Payment

Estimated

Arrearage

Interest

Rate

Estimated

Cure Period

Contract

Monthly

Arrearage

Payment

Arrearage

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).

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.

AmeriCredit/GM Financial

2019 GM Equinox

$724.00 $758.00 0.00% 8 months Pro-Rata

Bank Of America, N.A. Staffod house - 2nd trust$69.00

Department of Education/Nelnet

Digital Federal Credit Union

solar panels/Gunston

$233.00

Select Portfolio Servicing, Inc

11615 Gunston Road, Lorton, VA 22079

$3,479.00

Shellpoint Mortgage Servicing

1227 Thomas Jefferson 1st trust

$1,097.00

Specialized Loan Servicing/SLS

11615 Gunston Road, Lorton, VA 22079

$402.00

The Colonies of Williamsburg

timeshare

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

20-10872 KHK Chapter 13 Plan

Shirley Ann Ginwright

B. Trustee to make contract payments and cure arrears, if any. The Trustee shall pay the creditors listed

Creditor /

Collateral

Regular

Contract

Payment

Estimated

Arrearage

Interest Rate

on Arrearage

Monthly Payment on

Arrearage and Est. Term

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.

C. Restructured Mortgage Loans to be paid fully during term of Plan. Any mortgage loan against real estate

Creditor /

Collateral

Interest

Rate

Estimated

Claim

Monthly Payment

and Term

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:

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

Creditor Type of Contract Arrearage for Arrears Cure Period

Monthly

Payment Estimated

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.

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

Creditor /

Collateral Exemption Basis Exemption Amount Value of Collateral

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.

B. Avoidance of security interests or liens on grounds other than 11 U.S.C. § 522(f).

Creditor /

Description of Collateral Type of Lien Basis for Avoidance

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.

Association Management

1227 Thomas Jefferson Place

Statutory Lien Fair Debt Collection Act

Equityexperts.org

1227 Thomas Jefferson Place

Statutory Lien Fair Debt Collection Act

Oxford Station Townhouse Association

1227 Thomas Jefferson

Judgment Lien Fair Debt Collection Act

9. Treatment and Payment of Claims.

• All creditors must timely file a proof of claim to receive any payment from the Trustee.

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

20-10872 KHK Chapter 13 Plan

Shirley Ann Ginwright

• 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.

Dated: April 13, 2020

/s/ Shirley Ann Ginwright

Shirley Ann Ginwright, Debtor 1 (Required)

Debtor 2 (Required)

/s/ Barry Weintraub

Barry Weintraub, Debtor(s)' Attorney

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.

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA

ALEXANDRIA DIVISION

Case No:

Debtor(s):

20-10872 KHK Chapter 13 Plan

Shirley Ann Ginwright

Exhibits: Copy of Debtor(s)' Budget (Schedules I and J); Matrix of Parties Served with Plan

Certificate of Service

I certify that on , I mailed a copy of the foregoing to the creditors and parties in interest on the

attached Service List.

Stafford, VA 22556

32 Hayes St. Weintraub Law Office

Bar ID:24453

Barry Weintraub

(540) 658-9980

Barry Weintraub

/s/ Barry Weintraub

April 13, 2020

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 Label Matrix for local noticing Americredit Financial Services, Inc. Dba GM Forethought Life Insurance Company 

 0422-1 Dba GM Financial SHAPIRO & BROWN LLP 

 Case 20-10872-KHK P.O Box 183853 501 independence parkway 

 Eastern District of Virginia Arlington, TX 76096-3853 suite 203 

 Alexandria chesapeake, va 23320-5174 

 Mon Apr 13 18:18:55 EDT 2020 

 United States Bankruptcy Court AT&T Bankruptcy AmeriCredit/GM Financial 

 200 South Washington Street 4331 Communications Dr Flr 4W Attn: Bankruptcy 

 Alexandria, VA 22314-5405 Dallas TX 75211-1300 PO Box 183853 

 Arlington, TX 76096-3853 

 

 (p)AMERICREDIT FINANCIAL SERVICS DBA GM FINAN Association Management Bank of America 

 PO BOX 183853 101 Sunningdale Dr Attn: Bankruptcy NC4-105-02-77 

 ARLINGTON TX 76096-3853 Stafford, VA 22556-4624 PO Box 26012 

 Greensboro, NC 27420-6012 

 Bank of America Mortgage Barry Weintraub Best Egg/sst 

 c/o Bryan S. Fairman 32 Hayes St. Attn: Bankruptcy 

 ALDRIDGE PITE, LLP Stafford, VA 22556-8603 4315 Pickett Rd 

 4375 Jutland Drive, Suite 200 St Joseph, MO 64503-1600 

 P.O. Box 17933 

 San Diego, CA 92177-7921 

 Capital One Country Club Villas Department of Education/Nelnet 

 Attn: Bankruptcy SPM Resort, Inc. Attn: Claims 

 PO Box 30285 PO Box 2489 PO Box 82505 

 Salt Lake City, UT 84130-0285 Myrtle Beach, SC 29578-2489 Lincoln, NE 68501-2505 

 

 (p)DIGITAL FEDERAL CREDIT UNION Enhanced Recovery Corp Equityexperts.org 

 220 DONALD LYNCH BLVD Attn: Bankruptcy 2391 Pontiac Rd. 

 MARLBOROUGH MA 01752-4708 8014 Bayberry Road Auburn Hills, MI 48326-2462 

 Jacksonville, FL 32256-7412 

 Internal Revenue Service Mariner Finance, LLC Oxford Station Townhouse Association 

 Centralized Insolvency Operation Attn: Bankruptcy c/o Thomas Hodges 

 P. O. Box 7346 8211 Town Center Drive HLE Law Group 

 Philadelphia, PA 19101-7346 Nottingham, MD 21236-5904 4870 Sadler Road, Suite 300 

 Glen Allen, VA 23060-6294 

 

 Pinnacle Reg Fin 1213 Regional Management Corporation 

 Po Box 130848 979 West Bastesville Rd 979 Batesville Road Suite B 

 Carlsbad, CA 92013-0848 Greer, SC 29650 Greer, SC 29651-6819 

 Resurgent Capital Services as servicing agen Select Portfolio Servicing, Inc Shellpoint Mortgage Servicing 

 Best Egg Attn: Bankruptcy Attn: Bankruptcy 

 Resurgent Capital Services PO Box 65250 PO Box 10826 

 PO Box 10587 Salt Lake City, UT 84165-0250 Greenville, SC 29603-0826 

 Greenville, SC 29603-0587 

 

 Specialized Loan Servicing/SLS Syncb/PPC The Colonies of Williamsburg 

 Attn: Bankruptcy Attn: Bankruptcy 5380 Old Town Road 

 PO Box 636005 PO Box 965060 Williamsburg, VA. 23188-1922 

 Littleton, CO 80163-6005 Orlando, FL 32896-5060 

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 8 of 23
 Virginia Department of Taxation Virginia Dept. of Taxation John P. Fitzgerald, III 

 P.O. Box 2156 c/o Taxing Authority Consulting Services Office of the U.S. Trustee - Region 4 

 Richmond, VA 23218-2156 PO Box 1270 1725 Duke Street 

 Midlothian, VA 23113-8270 Suite 650 

 Alexandria, VA 22314-3489 

 

 Shirley Ann Ginwright Thomas P. Gorman 

 11615 Gunston Rd 341 Dial 866-630-6853 Code: 6786636 

 Lorton, VA 22079-4008 300 N. Washington St. Ste. 400 

 Alexandria, VA 22314-2550 

 The preferred mailing address (p) above has been substituted for the following entity/entities as so specified 

 by said entity/entities in a Notice of Address filed pursuant to 11 U.S.C. 342(f) and Fed.R.Bank.P. 2002 (g)(4). 

 Americredit Financial Services, Inc. Digital Federal Credit Union 

 Dba GM Financial Attn: Bankruptcy 

 P.O Box 183853 PO Box 9130 

 Arlington, TX 76096 Marlborough, MA 01752 

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

 (u)BANK OF AMERICA, N.A. (u)Bank of America Mortgage (u)timeshares 

 (d)Barry Weintraub End of Label Matrix 

 32 Hayes St. Mailable recipients 34 

 Stafford, VA 22556-8603 Bypassed recipients 4 

 Total 38 

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 9 of 23
Official Form 106I

Schedule I: Your Income 12/15

Part 1: Describe Employment

1.

Fill in this information to identify your case:

Debtor 1

Debtor 2

(Spouse, if filing)

First Name Middle Name Last Name

First Name Middle Name Last Name United States Bankruptcy Court for the: Case number

(if known)

An amended filing

Shirley Ann Ginwright

EASTERN DISTRICT OF VIRGINIA

20-10872 KHK

Fill in your employment

Check if this is:

A supplement showing postpetition

chapter 13 income as of the following date: MM / DD / YYYY

information. Employment status

Occupation

Employer's name Employer's address

How long employed there?

Debtor 1 Debtor 2 or non-filing spouse Employed

Not employed

Employed

Not employed

Number Street Number Street

City State Zip Code City State Zip Code

Substitute Teacher

Gatehouse Administration Center

8115 Gatehouse Road

Falls Church VA 22042

part time

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.

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.

Fairfax County Public Schools

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.

2. List monthly gross wages, salary, and commissions

For Debtor 1 For Debtor 2 or non-filing spouse

(before all

payroll deductions). If not paid monthly, calculate what the monthly wage

2. $200.00 would be.

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.

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

4. Calculate gross income. Add line 2 + line 3. 4. $200.00

Official Form 106I Schedule I: Your Income page 1

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Debtor 1 Shirley Ann Ginwright Case number (if known) 20-10872 KHK

Copy line 4 here ...................................................................................................................

For Debtor 1 For Debtor 2 or non-filing spouse

4. $200.00

5. List all payroll deductions: 5a. Tax, Medicare, and Social Security deductions 5a. 5b. Mandatory contributions for retirement plans 5b. 5c. Voluntary contributions for retirement plans 5c. 5d. Required repayments of retirement fund loans 5d. 5e. Insurance 5e. 5f. Domestic support obligations 5f. 5g. Union dues 5g.

5h. 5h. Other deductions. Specify: +

$65.00

$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 + 6. $65.00

5g + 5h. 7. Calculate total monthly take-home pay. Subtract line 6 from line 4. 7. $135.00

8. List all other income regularly received: 8a. 8a.

8b. Interest and dividends 8b. 8c. 8c.

8d. Unemployment compensation 8d.

8f.

8f. 8e. Social Security 8e. Other government assistance that you regularly receive

Specify:

8h. 8h. 8g. Pension or retirement income 8g. Other monthly income. Specify: +

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

See continuation sheet $10,105.00

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.

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.

Include cash assistance and the value (if known) or any non- cash assistance that you receive, such as food stamps

(benefits under the Supplemental Nutrition Assistance Program) or housing subsidies.

9. Add all other income. Add lines 8a + 8b + 8c + 8d + 8e + 8f + 8g + 8h. 9. $10,105.00

10. Calculate monthly income. Add line 7 + line 9. 10. Add the entries in line 10 for Debtor 1 and Debtor 2 or non-filing spouse. $10,240.00 + = $10,240.00

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

Specify: 11. + $0.00

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.

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

income. Write that amount on the Summary of Your Assets and Liabilities and Certain Statistical Information, Combined monthly income

$10,240.00

if it applies.

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

No. Yes. Explain: None.

Official Form 106I Schedule I: Your Income page 2

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Debtor 1 Shirley Ann Ginwright Case number (if known) 20-10872 KHK

8h. Other Monthly Income (details)

For Debtor 1 For Debtor 2 or non-filing spouse Pension $8,700.00

net profity on Stafford rental $1,375.00

Lyft income net $30.00

Totals: $10,105.00

Official Form 106I Schedule I: Your Income page 3

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Document Page 12 of 23
Official Form 106J

Schedule J: Your Expenses 12/15

Part 1: Describe Your Household

1.

An amended filing

Is this a joint case?

Check if this is:

A supplement showing postpetition

chapter 13 expenses as of the

following date: MM / DD / YYYY

No. Go to line 2. Yes. NoYes. Debtor 2 must file Official Form 106J-2, Expenses for Separate Household of Debtor 2.

Fill in this information to identify your case:

Debtor 1

Debtor 2

(Spouse, if filing)

First Name Middle Name Last Name

First Name Middle Name Last Name United States Bankruptcy Court for the: Case number

(if known)

Shirley Ann Ginwright

EASTERN DISTRICT OF VIRGINIA

20-10872 KHK

Does Debtor 2 live in a separate household?

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.

2. Do you have dependents? NoYes. Fill out this information

for each dependent................................... Dependent's relationship to Debtor 1 or Debtor 2

Dependent's

age Does dependentlive with you?

NoYes NoYes NoYes NoYes NoYes

Do not list Debtor 1 and

Debtor 2. Do not state the dependents' names.

3. NoYes Do your expenses include

expenses of people other than

yourself and your dependents?

Part 2: Estimate Your Ongoing Monthly Expenses

Your expenses

4. The rental or home ownership expenses for your residence.

Include first mortgage payments and any rent for the ground or lot. 4.

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

4a. 4b. 4c. 4d.

$3,479.00

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.)

Official Form 106J Schedule J: Your Expenses page 1

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Document Page 13 of 23
Debtor 1 Shirley Ann Ginwright Case number (if known) 20-10872 KHK

Your expenses

5. Additional mortgage payments for your residence, such as home equity loans 5. 6. Utilities: 6a. Electricity, heat, natural gas 6b. Water, sewer, garbage collection

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

6d. Other. Specify:

6a. 6b. 6c.

6d.

$150.00

$200.00

$151.00

cell phones $29.00

cable services

7. Food and housekeeping supplies 7. $300.00

8. Childcare and children's education costs 8. 9. Clothing, laundry, and dry cleaning 9. $100.00

10. Personal care products and services 10. $100.00

11. Medical and dental expenses 11. $100.00

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

fare. Do not include car payments. $275.00

13. Entertainment, clubs, recreation, newspapers, 13. $150.00 magazines, and books

14. Charitable contributions and religious donations 14. 15. Insurance.

15a. Life insurance

15b. Health insurance

15c. Vehicle insurance

15d. Other insurance. Specify:

15a. 15b. 15c. 15d.

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

$400.00

$350.00

16. Taxes. Specify: 16. Do not include taxes deducted from your pay or included in lines 4 or 20. personal property tax $30.00

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.

$724.00

$402.00

$302.00

Gunston 2nd Mortgage

Stafford 2nd Mortgage / solar panels

Eqinox

18. Your payments of alimony, maintenance, and support that you did not report as 18. deducted from your pay on line 5, Schedule I, Your Income (Official Form 106I).

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

Official Form 106J Schedule J: Your Expenses page 2

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Document Page 14 of 23
Debtor 1 Shirley Ann Ginwright Case number (if known) 20-10872 KHK

20. Other real property expenses not included in lines 4 or 5 of this form or on

20a. Mortgages on other property

20b. Real estate taxes 20c. Property, homeowner's, or renter's insurance

20d. Maintenance, repair, and upkeep expenses

20a. 20b. 20c. 20d.

Schedule I: Your Income.

20e. Homeowner's association or condominium dues 20e.

$1,097.00

$110.00

$35.00

21. Other. Specify: 21. +

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. 22c.

$8,484.00

$8,484.00

22a. 22b.

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.

23a. 23b.

The result is your monthly net income. 23c.

–

$10,240.00

$8,484.00

$1,756.00

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

No. Yes. Explain here:

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?

None.

Official Form 106J Schedule J: Your Expenses page 3

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 15 of 23
UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

_______________________ Division 

In re: 

 Case No. _______________________ 

 Chapter 13 

 Debtor(s) 

SPECIAL NOTICE TO SECURED CREDITOR 

To: ___________________________________, Attn: ______________________________ 

Name of creditor 

 _______________________________________________________________________ 

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: ______________________________ 

 ______________________________ 

 Name(s) of debtor(s)

 By: __________________________ 

 Signature

 [ ] Debtor(s)’ Attorney 

 [ ] Pro se debtor 

/s/ Barry Weintraub ✔

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 16 of 23
 ___________________________________ 

 Name of attorney for debtor(s) 

___________________________________ 

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 _________ day of _____________________ , 20 ____. 

 __________________________________ 

Signature of attorney for debtor(s)

ver. 12/17

Barry Weintraub 32 Hayes St., Stafford, VA 22556 411office@gmail.com 540-658-9980 888-403-9350 ✔

✔

19 /s/ Barry Weintraub 20

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Document Page 17 of 23
UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

_______________________ Division 

In re: 

 Case No. _______________________ 

 Chapter 13 

 Debtor(s) 

SPECIAL NOTICE TO SECURED CREDITOR 

To: ___________________________________, Attn: ______________________________ 

Name of creditor 

 _______________________________________________________________________ 

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: ______________________________ 

 ______________________________ 

 Name(s) of debtor(s)

 By: __________________________ 

 Signature

 [ ] Debtor(s)’ Attorney 

 [ ] Pro se debtor 

/s/ Barry Weintraub ✔

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 18 of 23
 ___________________________________ 

 Name of attorney for debtor(s) 

___________________________________ 

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 _________ day of _____________________ , 20 ____. 

 __________________________________ 

Signature of attorney for debtor(s)

ver. 12/17

Barry Weintraub 32 Hayes St., Stafford, VA 22556 411office@gmail.com 540-658-9980 888-403-9350 ✔

✔

19 /s/ Barry Weintraub 20

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 19 of 23
UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

_______________________ Division 

In re: 

 Case No. _______________________ 

 Chapter 13 

 Debtor(s) 

SPECIAL NOTICE TO SECURED CREDITOR 

To: ___________________________________, Attn: ______________________________ 

Name of creditor 

 _______________________________________________________________________ 

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: ______________________________ 

 ______________________________ 

 Name(s) of debtor(s)

 By: __________________________ 

 Signature

 [ ] Debtor(s)’ Attorney 

 [ ] Pro se debtor 

/s/ Barry Weintraub ✔

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 20 of 23
 ___________________________________ 

 Name of attorney for debtor(s) 

___________________________________ 

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 _________ day of _____________________ , 20 ____. 

 __________________________________ 

Signature of attorney for debtor(s)

ver. 12/17

Barry Weintraub 32 Hayes St., Stafford, VA 22556 411office@gmail.com 540-658-9980 888-403-9350 ✔

✔

19 /s/ Barry Weintraub 20

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 21 of 23
UNITED STATES BANKRUPTCY COURT 

EASTERN DISTRICT OF VIRGINIA 

_______________________ Division 

In re: 

 Case No. _______________________ 

 Chapter 13 

 Debtor(s) 

SPECIAL NOTICE TO SECURED CREDITOR 

To: ___________________________________, Attn: ______________________________ 

Name of creditor 

 _______________________________________________________________________ 

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: ______________________________ 

 ______________________________ 

 Name(s) of debtor(s)

 By: __________________________ 

 Signature

 [ ] Debtor(s)’ Attorney 

 [ ] Pro se debtor 

/s/ Barry Weintraub ✔

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 22 of 23
 ___________________________________ 

 Name of attorney for debtor(s) 

___________________________________ 

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 _________ day of _____________________ , 20 ____. 

 __________________________________ 

Signature of attorney for debtor(s)

ver. 12/17

Barry Weintraub 32 Hayes St., Stafford, VA 22556 411office@gmail.com 540-658-9980 888-403-9350 ✔

✔

19 /s/ Barry Weintraub 20

Case 20-10872-KHK Doc 24 Filed 04/13/20 Entered 04/13/20 19:01:21 Desc Main

Document Page 23 of 23