United States Bankruptcy Court

Northern District of Illinois

Eastern Division

IN RE: Michelle Y. Powell ) 

) CHAPTER 13

) Case No. 16-25353

DEBTOR(S) ) Judge: Goldgar 

)

To:

Michelle Powell, 649 E. 50th St., 20E, Chicago, IL 60615

Trustee Stearns, 801 Warrenville Road, Suite 650 Lisle, IL60532 (via electronic notice)

And see attached service list

NOTICE OF MOTION

PLEASE TAKE NOTICE that on Friday, February 18, 2022 at 10:00 a.m., I will 

appear before the Honorable Judge Goldgar, or any judge sitting in that judge’s 

place, and present the motion to Modify Plan and Extend Plan Payments, a copy of 

which is attached. This motion will be presented and heard electronically using 

Zoom for Government. No personal appearance in court is necessary or permitted. 

To appear and be heard on the motion, you must do the following: To appear by 

video, use this link: https://www.zoomgov.com/. Then enter the meeting ID and 

password. To appear by telephone, call Zoom for Government at 1-669-254-5252 

or 1-646-828- 7666. Then enter the meeting ID and password.Meeting ID and 

password. The meeting ID for this hearing is 161 319 7225 and the password is 

584922. The meeting ID and password can also be found on the judge’s page on 

the court’s web site. 

If you object to this motion and want it called on the presentment date above, you 

must file a Notice of Objection no later than two (2) business days before that date. 

If a Notice of Objection is timely filed, the motion will be called on the presentment 

date. If no Notice of Objection is timely filed, the court may grant the motion in 

advance without a hearing.

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Document Page 1 of 8
By: /s/ Joseph P. Doyle______

Joseph P. Doyle, Attorney for debtor

Certification

CERTIFICATE OF SERVICE I, Joseph P. Doyle, certify under penalty of perjury 

under the laws of the United States of America that I served a copy of this notice 

and the attached motion on each entity shown on the attached list at the address 

shown and by the method indicated on the list on January 25, 2022 at 4:30 p.m.

By: /s/Joseph P. Doyle

 Attorney for debtor

Attorney for the Debtor_________

Prepared By : Joseph P. Doyle

Law Offices of Joseph P. Doyle

105 S. Roselle Road, Suite 203

Schaumburg, IL 60193

(Ph): 847-985-1100 (Fax) 847-985-1126 

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SERVICE LIST

Registrants Served Via Electronic

Patrick S. Layng, United States Trustee

219 South Dearborn Street, Suite 873

Chicago, IL 60604

Trustee Glenn Stearns

801 Warrenville Road St.

Suite 650

Lisle, IL 60532

Atlas Acquisitions LLC 

294 Union St. 

Hackensack, NJ 07601 

Capital One Auto Finance 

P.O. BOX 201347 

ARLINGTON, TX 76006

Capital One Auto Finance c/o AIS Portfolio Services, LP 

P.O. BOX 4360 

Houston, TX 77210-4360 

Capital One Auto Finance c/o AIS Portfolio Services, LP f/k/a AIS Data Services

d/b/a/ Ascension Capital Group 

4515 N Santa Fe Ave. Dept. APS 

Oklahoma City, OK 73118 

 Lakeview Loan Servicing, LLC 

 425 Phillips Boulevard 

 Ewing, NJ 08618 

 NCEP LLC 

 c/o Becket and Lee LLP 

 PO Box 3001 

 Malvern, PA 19355-0701 

 McCalla Raymer Pierce, LLC 

 1 N Dearborn Street 

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 Suite 1200 

 Chicago, IL 60602

 Parties Served Via First Class Mail

Account Receivable Management

155 Mid Atlantic Parkway

Thorofare, NJ 08086

Advanced Endodontics

103 S. Greenleaf, Suite K

Gurnee, IL 60031

American Home Shield

P.O. Box 849

Carroll, IA 51401

Ar Resources Inc

1777 Sentry Pkwy W

Blue Bell, PA 19422

Asset Acceptance, LLC

PO Box 2036

Warren, MI 48090

Associate Area Counsel, SB/SE

200 W. Adams, Suite 2300

Chicago, IL 60606-5208

Atlas Acquisitions LLC

294 Union Street

Hackensack, NJ 07601

Avenue/WFNNB

PO Box 659584

San Antonio, TX 78265-9584

Bank Of America

Nc4-105-03-14

Po Box 26012

Greensboro, NC 27410

Caine & Weiner

Po Box 5010

Woodland Hills, CA 91365

Capital One

P.O. Box 85520

Richmond, VA 23285

Capital One Auto Finance

Attn: Bankruptcy Dept

Po Box 30258

Salt Lake City, UT 84130

Chase

800 Brooksedge Blvd.

Westerville, OH 43081

Chase Bank

National Bank by Mail

PO Box 36520

Louisville, KY 40233-6520

Chase Receivables

1247 Browadway

Sonoma, CA 95476

Choice Recovery Inc

1550 Old Henderson Rd Ste 100

Columus, OH 43220

Citibank

P.O. Box 6077

Sioux Falls, SD 57117-6077

City of Waukegan

Attn: Bankruptcy Dept.

106 N. Martin Luther King Jr. Ave

Waukegan, IL 60085

Consumer Co-Op Credit Union

P.O. Box 9119

Waukegan, IL 60079

D. Patrick Mullarkey Tax Division

P.O. Box 55

Ben Franklin Station

Washington, DC 20044

Fed Loan Servicing

Po Box 60610

Harrisburg, PA 17106

Fedloan Servicing

P.O. Box 69184

Harrisburg, PA 17106

First Premier Bank

601 S. Minnesota Avenue

Sioux Falls, SD 57104

Fisher & Shapiro

2121 Waukegan

Suite 301

Deerfield, IL 60015

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FMS, Inc.

PO Box 707600

Tulsa, OK 74170-7600

Global Receivables S

2703 N Highway 75

Sherman, TX 75090

Guaranty Bank

25 Turner Ave

Suite 101

Elk Grove Village, IL 60007

Guaranty Financial Group

1300 S. Mopac Expwy

Austin, TX 78746

Home Choice

1511 N. Lewis Avenue

Waukegan, IL 60085

HSBC Bank

P.O. Box 5253

Carol Stream, IL 60197

IDES

Benefits Repayments

P.O. Box 6996

Chicago, IL 60680-3012

IDES

Benefits Repayments

PO Box 19286

Springfield, IL 62794

Illinois Department of Revenue

P. O. Box 64338

Chicago, IL 60664-0338

Internal Revenue Service

Mail Stop 5010 CHI

230 S. Dearborn Street

Chicago, IL 60604

IRS

PO Box 7317

Philadelphia, PA 19101-7317

Keynote Consulting

220 W Campus Dr

#102

Arlington Heights, IL 60004

Leading Edge Recovery Solutions

P. O. Box 505

Linden, MI 48451-0505

Liberty University

P.O. Box 10425

Lynchburg, VA 24506

LVNV Funding LLC

P.O. Box 10497

Greenville, SC 29603

M & T Bank

Po Box 844

Buffalo, NY 14240

MCM

8875 Aero Dr.

Suite 200

San Diego, CA 92123

Med Business Bureau

1460 Renaissance Dr

Suite 400

Park Ridge, IL 60068

Midland Funding, LLC

8875 Aero Dr. Ste 200

San Diego, CA 92123

NCO Financial Systems

507 Prudential Road

Horsham, PA 19044

Nelnet Loans

Nelnet Claims

Po Box 82505

Lincoln, NE 68501

Nelson, Watson, & Associates

80 Merrimack Street

Lower Level

Haverhill, MA 01830

PennCredit

946 S 14th St

PO Box 988

Harrisburg, PA 17108

PORTFOLIO RECOVERY ASSOC

120 CORPORATE BLVD, STE 100

Norfolk, VA 23502

Premier Bankcard/Charter

PO Box 2208

Vacaville, CA 95696

Professional Bureau of Collections

PO Box 628

Elk Grove, CA 95759-0628

RAC Acceptance

P.O. Box 5609

Greenville, TX 75403

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Receivable Management Services

4836 Brecksville Road

Richfield, OH 44286

Redline Recovery Services

P.O. Box 1022

Fort Mill, SC 29716-1022

RGS Collections

3333 Earhart Drive, Suite 150

Carrollton, TX 75006

Spiegel

P.O. Box 9204

Old Bethpage, NY 11804

Sprint/Bankruptcy

PO Box 7949

Overland Park, KS 66207-0949

State of Wisconsin

2135 Rimrock Road

P.O. Box 8906

Madison, WI 53708-8906

Sunrise Credit Services

260 Airport Plaza

Farmingdale, NY 11735-3946

Transwolrd systems

2235 Mercury way, Suite 275

Santa Rosa, CA 95407-5413

United Debt Holdings

P.O. Box 5609

Greenville, TX 75403-5909

United States Attorney

219 S. Dearborn Street

Chicago, IL 60604

Victoria Secret/WFNNB

P.O. Box 182125

Columbus, OH 43218-2125

Vista Medical Center

PO Box 504316

Saint Louis, MO 63150-4316

Walmart

PO Box 530939

Atlanta, GA 30353-0939

Waste Management

2625 W. Grandview Road, Suite 150

Phoenix, AZ 85023

Weltman, Weinberg & Reis

323 W. Lakeside Avenue, Suite 200

Cleveland, OH 44113

West Asset Management

P.O. Box 2548

Sherman, TX 75091-2548

Williams & Fudge, Inc

775 Addison Avenue

Rock Hill, SC 29731

Windham Professionals

382 Main Street

Salem, NH 03079

World Financial Network

PO Box 182125

Columbus, OH 43218

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United States Bankruptcy Court

Northern District of Illinois

Eastern Division

IN RE: Michelle Y. Powell ) 

 ) CHAPTER 13

) Case No. 16-25353

DEBTOR(S) ) Judge: Goldgar 

)

Motion to Modify Plan and Extend Plan Payments

Now Comes Counsel for, Michelle Y. Powell, Joseph Doyle, and respectfully states: 

1. This Court has jurisdiction over this proceeding pursuant to 28 U.S.C. 1334 and this is a 

core proceeding under 28 USC 157(b)(2) 

2. The debtor has filed a petition for relief pursuant to Chapter 13 on August 8, 2016. 

3. This Honorable Court has confirmed the Debtor’s Chapter 13 Plan, with general 

unsecured creditors to be paid 100% and a plan base of $51,251.00. 

4. The confirmed Chapter 13 Plan requires that the debtor make a plan payment to the 

Chapter 13 Trustee in the amount of $923.00 on a monthly basis for a term of 

approximately 66 months. 

5. The Debtor has not converted the Chapter 13 case from a Chapter 7 case. 

6. At the time of this filing, the debtor is in month 65 of the plan and there is an estimated 

remaining plan balance of $4,654.00.

7. The Debtor has been negatively impacted by COVID-19. Debtor was on a Payroll 

Control Order with her employer until March 12,2021 when she was furloughed due to 

the Pandemic. 

8. The Debtor was not able to find employment until July 6,2021 when she obtained a new 

position. She received unemployment benefits for a short period of time between April 

2021 and June 2021 but used them to retain her home. 

9. The Debtor was again furloughed and was out of work without receiving any 

unemployment benefits from September 2021 and just began working again January 

14, 2022. 

10.Under the CARES Act, a debtor may extend her plan beyond the traditional 60-month 

period.

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11. The Debtor’s Trustee payment needs to be extended to 84 months. 

12.That as a result, the Debtor can afford a monthly Trustee payment of $259.00 and will 

be able to continue to make her plan payments through month 84 of the plan. Please 

see attached the Debtor’s Amended Schedules I & J as Exhibit A.

Wherefore, the Debtor Prays:

a) That this Honorable Court enter an order modifying the Chapter 13 Payment Plan to 

$259.00 per month starting in month 65 (February 2022).

b) The plan base remains the same.

c) The term for repayment is extended to 84 months.

 d) Per the amendment to the CARES Act, the case may run longer than 60 months

 d) That all other terms of the confirmed Chapter 13 plan shall remain the same. 

By: /s/ Joseph P. Doyle__________

 Joseph P. Doyle, Attorney for Debtor

Attorney for Debtor

Prepared by Joseph P. Doyle

Law Offices of Joseph P. Doyle

105 S. Roselle Road, Suite 203

Schaumburg, IL 60193

(Ph) 847-985-1100 (Fax) 847-985-1126 

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