James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtor 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

JOY MONIQUE MILLER ) Case No. 17-34329-KRH 

 ) Chapter 13 

 Debtor ) 

MOTION TO INCUR DEBT 

 COMES NOW, the Debtor, by counsel, and as and for her Motion to Incur Debt, states as 

follows: 

 1. The Debtor filed this case under Chapter 13 of the U.S. Bankruptcy Code on 

August 29, 2017. 

 2. The Debtor has applied for and Credit Acceptance Corporation has approved a 

loan to the Debtor in the amount of $14542.90 plus interest at 17.99% per annum to be repaid 

with a loan term of 57 months and monthly payments of $382.42 for the purchase of a 2013 Ford 

Edge or similar vehicle. 

3. The Debtor needs to purchase the referenced vehicle as her current vehicle has 

broken down and she needs a replacement vehicle to travel to and from work and other matters. 

4. The purchase of the vehicle is in the best interest of the Debtor and will facilitate 

her ability to perform under her Chapter 13 Plan filed herein. 

5. The Court previously entered an order granting the Debtor’s Motion to Incur Debt 

for a loan with DriveTime. DriveTime has since withdrawn its approval of said loan. 

Case 17-34329-KRH Doc 34 Filed 07/28/20 Entered 07/28/20 12:38:37 Desc Main

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 5. The Debtor’s Chapter 13 Plan has been confirmed. 

WHEREFORE, the Debtor requests that the Court enter an Order approving the aforesaid 

loan on the terms stated herein and for such other relief as the Court may deem appropriate. 

 JOY MONIQUE MILLER 

 By: /s/ James E. Kane 

 Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtor 

CERTIFICATE OF SERVICE 

I hereby certify that on July 28, 2020, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all counsel of record who have signed up to receive such notification and by first class 

mail to the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

Case 17-34329-KRH Doc 34 Filed 07/28/20 Entered 07/28/20 12:38:37 Desc Main

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IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

JOY MONIQUE MILLER ) Case No. 17-34329-KRH 

 ) Chapter 13 

 Debtor ) 

NOTICE OF MOTION

 The above Debtor has filed Motion to Incur Debt in the above matter. 

 Your rights may be affected. You should read these papers carefully and discuss them 

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 do not want the court to grant the relief sought in the motion, or if you want the 

court to consider your views on the motion, then, within twenty-one (21) days from the date of 

this Notice you or your attorney must: 

 File with the court, at the address shown below, a written request for a hearing [or 

written response pursuant to Local Bankruptcy Rule 9013-1(H)]. If you mail your 

request for a hearing (or response) to the court for filing, you must mail it early 

enough so the court will receive it on or before the date stated above, to: 

Clerk of Court 

United States Bankruptcy Court 

701 East Broad Street 

Richmond, VA 23219 

You must also mail a copy to: 

James E. Kane, Esquire 

Kane & Papa, P.C. 

1313 East Cary Street 

Richmond, Virginia 23219 

 Attend a hearing scheduled for July 29, 2020 at 12:00 p.m. at U.S. Bankruptcy 

Court, 701 East Broad Street, Room 5000, Richmond, VA 23219. If no timely 

response has been filed opposing the relief requested, the court may grant the 

relief without holding a hearing. 

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 If you or your attorney do not take these steps, the court may decide that you do not 

oppose the relief sought in the motion or objection and may enter an order granting that 

relief. 

Dated: July 28, 2020 JOY MONIQUE MILLER 

 By: /s/ James E. Kane 

 Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtor 

CERTIFICATE OF SERVICE 

I hereby certify that on July 28, 2020, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all counsel of record who have signed up to receive such notification and by first class 

mail to the parties on the attached list.

 /s/ James E. Kane 

 James E. Kane 

Case 17-34329-KRH Doc 34 Filed 07/28/20 Entered 07/28/20 12:38:37 Desc Main

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 Label Matrix for local noticing Scolopax, LLC Wollemi Acquisitions, LLC c/o AIS Portfolio 

 0422-3 C/O WEINSTEIN & RILEY, PS 4515 N Santa Fe Ave. Dept. APS 

 Case 17-34329-KRH 2001 WESTERN AVENUE, STE 400 Oklahoma City, OK 73118-7901 

 Eastern District of Virginia SEATTLE, WA 98121-3132 

 Richmond 

 Fri Jun 5 15:26:47 EDT 2020 

 United States Bankruptcy Court Acceptance Now American Medical Collection 

 701 East Broad Street Attn: Bankruptcy PO Box 1235 

 Richmond, VA 23219-1888 5501 Headquarters Dr Elmsford, NY 10523-0935 

 Plano, TX 75024-5837 

 

 Ashley Funding Services, LLC its successors CAC Financial Corp. (p)CAPITAL ONE 

 assigns as assignee of Laboratory 2601 NW Expressway PO BOX 30285 

 Corporation of America Holdings Oklahoma City, OK 73112-7236 SALT LAKE CITY UT 84130-0285 

 Resurgent Capital Services 

 PO Box 10587 

 Greenville, SC 29603-0587 

 Capital One Cardiology Associates of Richm Cardworks/CW Nexus 

 Attn: Bankruptcy P O Box 740776 Attn: Bankruptcy 

 Po Box 30253 Cincinnati, OH 45274-0776 Po Box 9201 

 Salt Lake City, UT 84130-0253 Old Bethpage, NY 11804-9001 

 

 Commonwealth of Virginia (p)CREDIT ADJUSTMENT BOARD INC Credit Collection Services 

 Department of Taxation 8002 DISCOVERY DRIVE 725 Canton St. 

 PO Box 2156 SUITE 311 Norwood, MA 02062-2679 

 Richmond, VA 23218-2156 RICHMOND VA 23229-8601 

 Department Stores National Bank Fingerhut John Randolph Med Ctr 

 c/o Quantum3 Group LLC 6250 Ridgewood Rd P. O. Box 740760 

 PO Box 657 St Cloud, MN 56303-0820 Cincinnati, OH 45274-0760 

 Kirkland, WA 98083-0657 

 John Randolph Medical Center Labcorp Labratory Corporation of Ameri 

 Resurgent Capital Services P.O. Box 2240 7311 Boulder View Ln 

 PO Box 1927 Burlington, NC 27216-2240 Richmond, VA 23225-4953 

 Greenville, SC 29602-1927 

 (p)LENDMARK FINANCIAL SERVICES MERRICK BANK MIDLAND FUNDING LLC 

 2118 USHER ST Resurgent Capital Services PO BOX 2011 

 COVINGTON GA 30014-2434 PO Box 10368 WARREN, MI 48090-2011 

 Greenville, SC 29603-0368 

 Mr. Holland Navient Navient Solutions, LLC. on behalf of 

 Attn: Bankruptcy Educational Credit Management Corporatio 

 Po Box 9500 PO BOX 16408 

 Wilkes-Barr, PA 18773-9500 St. Paul, MN 55116-0408 

 Navy Federal Cr Union Navy Federal Cr Union Office of the U. S. Attorney 

 Po Box 3000 Po Box 3700 Suntrust Building 

 Merrifield, VA 22119-3000 Merrifield, VA 22119-3700 919 East Main Street, Suite 1900 

 Richmond, VA 23219-4622 

Case 17-34329-KRH Doc 34 Filed 07/28/20 Entered 07/28/20 12:38:37 Desc Main

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 Patient First c/o Receivables Management Sys (p)PORTFOLIO RECOVERY ASSOCIATES LLC Professional Account Services 

 PO Box 8630 PO BOX 41067 P.O. Box 188 

 Richmond, VA 23226-0630 NORFOLK VA 23541-1067 Brentwood, TN 37024-0188 

 

 Quantum3 Group LLC as agent for Quantum3 Group LLC as agent for Receivable Management Inc 

 MOMA Funding LLC Sadino Funding LLC 7206 Hull Street Rd Ste 

 PO Box 788 PO Box 788 North Chesterfield, VA 23235-5826 

 Kirkland, WA 98083-0788 Kirkland, WA 98083-0788 

 Richard A. Cordle, Treasurer Riverview Physicians for Women Santander Consumer USA 

 Chesterfield County 439 Jennick Dr Po Box 961245 

 P.O. Box 26585 Colonial Heights, VA 23834-4901 Ft Worth, TX 76161-0244 

 Richmond, VA 23261-6585 

 Scolopax, LLC Sleep Clinics of America Inc Southside Regional Medical Cen 

 c/o Weinstein & Riley, P.S. P.O. Box 35690 P O Box 501128 

 2001 Western Ave, Ste 400 Richmond, VA 23235-0690 Petersburg, VA 23803-0000 

 Seattle, WA 98121-3132 

 (p)SPRINGLEAF FINANCIAL SERVICES Synchrony Bank/ JC Penneys TREASURER CHESTERFIELD COUNTY 

 P O BOX 3251 Po Box 965007 P.O BOX 70 

 EVANSVILLE IN 47731-3251 Orlando, FL 32896-5007 CHESTERFIELD, VA 23832-0906 

 The CBE Group Transworld Systems US DEPARTMENT OF EDUCATION 

 Payment Processing Center Collection Agency CLAIMS FILING UNIT 

 PO Box 2193 500 Virginia Dr., Suite 514 PO BOX 8973 

 Waterloo, IA 50704-2193 Fort Washington, PA 19034-2733 MADISON, WI 53708-8973 

 Us Dept Of Ed/Great Lakes Higher Educati Us Dept Of Ed/Great Lakes Higher Educati Virginia Department of Tax 

 2401 International Lane Attn: Bankruptcy P.O. Box 2369 

 Madison, WI 53704-3121 2401 International Lane Richmond, VA 23218-2369 

 Madison, WI 53704-3121 

 Virginia Emergency Group Visa Dept Store National Bank/Macy’s Wollemi Acquisitions, LLC 

 PO Box 660627 Attn: Bankruptcy AIS Portfolio Services, LP 

 Mailstop: 42643574 Po Box 8053 4515 N Santa Fe Ave. Dept. APS 

 Dallas, TX 75266-0827 Mason, OH 45040-8053 Oklahoma City, OK 73118-7901 

 Carl M. Bates James E. Kane Joy Monique Miller 

 341 Dial 866-813-0912 Code: 8576180 Kane & Papa, PC 21200 Hampton Ave. 

 P. O. Box 1819 1313 East Cary Street South Chesterfield, VA 23803-2269 

 Richmond, VA 23218-1819 P.O. Box 508 

 Richmond, VA 23218-0508 

 

 Judy A. Robbins 

 Office of the U.S. Trustee - Region 4 -R 

 701 E. Broad Street, Suite 4304 

 Richmond, VA 23219-1849 

Case 17-34329-KRH Doc 34 Filed 07/28/20 Entered 07/28/20 12:38:37 Desc Main

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 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). 

 Capital One Credit Adjustment Board Lendmark Financial Services 

 15000 Capital One Dr 8002 DISCOVERY DR RM 311 2118 Usher St 

 Richmond, VA 23238-0000 Richmond, VA 23229-0000 Covington, GA 30014-0000 

 Portfolio Recovery Associates (d)Portfolio Recovery Associates, LLC Springleaf Financial Services 

 P.O. Box 12914 POB 41067 3323 South Crater Road 

 Norfolk, VA 23541-0000 Norfolk VA 23541 Suite A 

 Petersburg, VA 23805-0000 

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

 (d)Wollemi Acquisitions, LLC, c/o AIS Portfol (d)Wollemi Acquisitions, LLC, c/o AIS Portfol End of Label Matrix 

 4515 N Santa Fe Ave. Dept. APS 4515 N Santa Fe Ave. Dept. APS Mailable recipients 57 

 Oklahoma City, OK 73118-7901 Oklahoma City, OK 73118-7901 Bypassed recipients 2 

 Total 59 

Case 17-34329-KRH Doc 34 Filed 07/28/20 Entered 07/28/20 12:38:37 Desc Main

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