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Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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UNITED STATES BANKRUPTCY COURTEASTERN DISTRICT OF VIRGINIACHAPTER 13 PLANAND RELATED MOTIONSName of Debtor(s):Anthony Drew DickinsonCase No:11-34012This plan, dated June 11, 2013 , is:the first Chapter 13 plan filed in this case.a modified Plan, which replaces theconfirmed or unconfirmed Plan dated September 26, 2012.Date and Time of Modified Plan Confirming Hearing:September 4, 2013 @ 9:10 AMPlace of Modified Plan Confirmation Hearing:701 E. Broad Street, Rm 5000, Richmond, VAThe Plan provisions modified by this filing are:1; 4A;Creditors affected by this modification are:all creditorsNOTICE: YOUR RIGHTS WILL BE AFFECTED. You should read these papers carefully. If youoppose any provision of this Plan, or if you oppose any included motions to (i) value collateral, (ii) avoidliens, or (iii) assume or reject unexpired leases or executory contracts, you MUST file a timely writtenobjection.This Plan may be confirmed and become binding, and the included motions in paragraphs 3, 6, and 7 tovalue collateral, avoid liens, and assume or reject unexpired leases or executory contracts may begranted, without further notice or hearing unless a written objection is filed not later than seven (7) daysprior to the date set for the confirmation hearing and the objecting party appears at the confirmationhearing.The debtor(s)' schedules list assets and liabilities as follows:Total Assets: $444,573.87Total Non-Priority Unsecured Debt: $274,506.22Total Priority Debt: $11.12Total Secured Debt: $338,106.02Page 1of 6Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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1.Funding of Plan. The debtor(s) propose to pay the trustee the sum of $1,063.00 Monthly for 24 months, then $403.00Monthly for 36 months. Other payments to the Trustee are as follows: NONE . The total amount to be paid into the planis $ 40,020.00 .2.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 sumsdisbursed except for funds returned to the debtor(s).2.Debtor(s)' attorney will be paid $ 0.00 balance due of the total fee of $ 3,000.00 concurrently withor prior to the payments to remaining creditors.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 inmonthly installments as below, except that allowed claims pursuant to 11 U.S.C. § 507(a)(1) will be paid prior toother priority creditors but concurrently with administrative claims above:CreditorType of PriorityEstimated ClaimPayment and TermCommonwealth of VirginiaTaxes and certain other debts11.12Prorata1 months3.Secured Creditors: Motions to Value Collateral ("Cramdown"), Collateral being Surrendered, Adequate ProtectionPayments, 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 bythe final paragraph of 11 U.S.C. § 1325(a)). Unless a written objection is timely filed with the Court, theCourt 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 11U.S.C. § 1325(a) [motor vehicles purchased within 910 days or any other thing of value purchased within 1 year before filingbankruptcy], in which the replacement value is asserted to be less than the amount owing on the debt. Such debts will betreated as secured claims only to the extent of the replacement value of the collateral. That value will be paid withinterest as provided in sub-section D of this section. You must refer to section 3(D) below to determine the interestrate, monthly payment and estimated term of repayment of any "crammed down" loan. The deficiency balance owedon such a loan will be treated as an unsecured claim to be paid only to the extent provided in section 4 of the Plan.The following secured claims are to be "crammed down" to the following values:CreditorCollateralPurchase DateEst Debt Bal.Replacement ValueUnion First MarketBank10320 & 10322 Catharpin RoadSpotsylvania, VA 2255108/26/105,122.8376,651.81B.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 claimsof the following creditors in satisfaction of the secured portion of such creditors' allowed claims. To the extent that thecollateral does not satisfy the claim, any timely filed deficiency claim to which the creditor is entitled may be paid as anon-priority unsecured claim. Confirmation of the Plan shall terminate the automatic stay as to the interest of the debtor(s)and the estate in the collateral.CreditorCollateral DescriptionEstimated ValueEstimated Total ClaimGE MoneyBank/ Yamaha2007 Yamaha 4 Wheeler6,235.006,596.36Page 2of 6Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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C.Adequate Protection Payments.The debtor(s) propose to make adequate protection payments required by 11 U.S.C. § 1326(a) or otherwise upon claimssecured by personal property, until the commencement of payments provided for in sections 3(D) and/or 6(B) of the Plan, asfollows:CreditorCollateral DescriptionAdeq. ProtectionMonthly PaymentTo Be Paid By-NONE-Any adequate protection payment upon an unexpired lease of personal property assumed by the debtor(s) pursuant to section6(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 theorder for relief).D. Payment of Secured Claims on Property Being Retained (except only those loans provided for in section 5 ofthe 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 eachallowed secured claim, which will be either the balance owed on the indebtedness or, where applicable, the collateral'sreplacement value as specified in sub-section A of this section, whichever is less, with interest at the rate provided below, themonthly payment specified below until the amount of the secured claim has been paid in full. Upon confirmation of thePlan, the valuation and interest rate shown below will be binding unless a timely written objection to confirmation isfiled with and sustained by the Court.CreditorCollateralApprox. Bal. of Debt or"Crammed Down" ValueInterestRateMonthly Paymt & Est. Term**Union First MarketBank10320 & 10322 Catharpin RoadSpotsylvania, VA 225515,122.835%Prorata6 monthsE.Other Debts.Debts which are (i) mortgage loans secured by real estate which is the debtor(s)' primary residence, or (ii) other long termobligations, whether secured or unsecured, to be continued upon the existing contract terms with any existing default inpayments to be cured pursuant to 11 U.S.C. § 1322(b)(5), are provided for in section 5 of the Plan.4.Unsecured Claims.A.Not separately classified. Allowed non-priority unsecured claims shall be paid pro rata from any distributionremaining after disbursement to allowed secured and priority claims. Estimated distribution is approximately 2 %. The dividend percentage may vary depending on actual claims filed. If this case were liquidated under Chapter7, the debtor(s) estimate that unsecured creditors would receive a dividend of approximately 0 %.B.Separately classified unsecured claims.CreditorBasis for ClassificationTreatment-NONE-Page 3of 6Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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5.Mortgage Loans Secured by Real Property Constituting the Debtor(s)' Primary Residence; Other Long TermPayment Obligations, whether secured or unsecured, to be continued upon existing contract terms; Curing of anyexisting 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 belowwill be paid by the debtor(s) pursuant to the contract without modification, except that arrearages, if any, will be paidby the Trustee either pro rata with other secured claims or on a fixed monthly basis as indicated below, withoutinterest unless an interest rate is designated below for interest to be paid on the arrearage claim and such interest isprovided for in the loan agreement.CreditorCollateralRegularContractPaymentEstimatedArrearageArrearageInterestRateEstimatedCure PeriodMonthlyArrearagePaymentPNC Bank10320 & 10322 Catharpin RoadSpotsylvania, VA 22551238.140.000%0 monthsSuntrust Mortgage Inc.10320 & 10322 Catharpin RoadSpotsylvania, VA 225511,936.360.000%0 monthsB.Trustee to make contract payments and cure arrears, if any. The Trustee shall pay the creditors listed below theregular contract monthly payments that come due during the period of this Plan, and pre-petition arrearages on suchdebts shall be cured by the Trustee either pro rata with other secured claims or with monthly payments as set forthbelow.CreditorCollateralRegularContractPaymentEstimatedArrearageInterestRateTerm forArrearageMonthlyArrearagePayment-NONE-C.Restructured Mortgage Loans to be paid fully during term of Plan. Any mortgage loan against real estateconstituting the debtor(s)' principal residence upon which the last scheduled contract payment is due before the finalpayment 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:CreditorCollateralInterestRateEstimatedClaimMonthly Paymt& Est. Term**-NONE-6.Unexpired Leases and Executory Contracts. The debtor(s) move for assumption or rejection of the executory contracts andleases listed below.A.Executory contracts and unexpired leases to be rejected. The debtor(s) reject the following executory contracts.CreditorType of Contract-NONE-B.Executory contracts and unexpired leases to be assumed. The debtor(s) assume the following executorycontracts. The debtor agrees to abide by all terms of the agreement. The Trustee will pay the pre-petitionarrearages, if any, through payments made pro rata with other priority claims or on a fixed monthly basis as indicatedbelow.CreditorType of ContractArrearageMonthlyPaymentfor ArrearsEstimatedCure Period-NONE-Page 4of 6Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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7.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 followingjudicial liens and non-possessory, non-purchase money liens that impair the debtor(s)' exemptions. Unless a writtenobjection is timely filed with the Court, the Court may grant the debtor(s)' motion and cancel the creditor'slien. If an objection is filed, the Court will hear evidence and rule on the motion at the confirmation hearing.CreditorCollateralExemption AmountValue of Collateral-NONE-B.Avoidance of security interests or liens on grounds other than 11 U.S.C. § 522(f). The debtor(s) have filed orwill file and serve separate pleadings to avoid the following liens or security interests. The creditor should reviewthe notice or summons accompanying such pleadings as to the requirements for opposing such relief. The listinghere is for information purposes only.CreditorType of LienDescription of CollateralBasis for Avoidance-NONE-8.Treatment and Payment of Claims.(cid:127)All creditors must timely file a proof of claim to receive payment from the Trustee.(cid:127)If a claim is scheduled as unsecured and the creditor files a claim alleging the claim is secured but does not timelyobject to confirmation of the Plan, the creditor may be treated as unsecured for purposes of distribution under thePlan. This paragraph does not limit the right of the creditor to enforce its lien, to the extent not avoided or providedfor in this case, after the debtor(s) receive a discharge.(cid:127)If a claim is listed in the plan as secured and the creditor files a proof of claim alleging the claim is unsecured, thecreditor will be treated as unsecured for purposes of distribution under the Plan.(cid:127)The Trustee may adjust the monthly disbursement amount as needed to pay an allowed secured claim in full.9.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 sell, refinance, encumber real property or enter into a mortgage loanmodification without approval of the Court after notice to the Trustee, any creditor who has filed a request for notice andother creditors to the extent required by the Local Rules of this Court.10.Incurrence of indebtedness. The debtor(s) shall not voluntarily incur additional indebtedness exceeding the cumulative totalof $5,000 principal amount during the term of this Plan, either unsecured or secured against personal property, except uponapproval of the Court after notice to the Trustee, any creditor who has filed a request for notice, and other creditors to theextent required by the Local Rules of this Court.11.Other provisions of this plan:Suntrust Mortgage Inc. arrearages of $47,273.74 shall be cured in a loan modification between Debtor andcreditor.Signatures:Dated:6/12/13/s/ Anthony Drew Dickinson/s/ Walter RaglandAnthony Drew DickinsonWalter Ragland 22654DebtorDebtor's AttorneyExhibits:Copy of Debtor(s)' Budget (Schedules I and J);Matrix of Parties Served with PlanPage 5of 6Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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Certificate of ServiceI certify that on 7/29/13 _____________ , I mailed a copy of the foregoing to the creditors and parties in interest on the attachedService List./s/ Walter RaglandWalter Ragland 22654SignatureP.O. Box 675Thornburg, VA 22565Address540-370-4800Telephone No.Ver. 09/17/09 [effective 12/01/09]Page 6of 6Software Copyright (c) 1996-2013 CCH INCORPORATED - www.bestcase.comBest Case BankruptcyCase 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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B6I (Official Form 6I) (12/07)In reAnthony Drew DickinsonCase No.11-34012Debtor(s)SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S) - AMENDEDThe column labeled "Spouse" must be completed in all cases filed by joint debtors and by every married debtor, whether or not a joint petition isfiled, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly incomecalculated on this form may differ from the current monthly income calculated on Form 22A, 22B, or 22C.Debtor's Marital Status:DEPENDENTS OF DEBTOR AND SPOUSESeparatedRELATIONSHIP(S):DaughterSonSonAGE(S):2 yrs4 yrs9 yrsEmployment:DEBTORSPOUSEOccupationconcrete foremanName of EmployerAffordable Concrete Inc.How long employed2 monthsAddress of EmployerP.O. Box 2568Spotsylvania, VA 22553INCOME: (Estimate of average or projected monthly income at time case filed)DEBTORSPOUSE1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly)$5,300.01$N/A2. Estimate monthly overtime$0.00$N/A3. SUBTOTAL$5,300.01$N/A4. LESS PAYROLL DEDUCTIONSa. Payroll taxes and social security$1,135.81$N/Ab. Insurance$0.00$N/Ac. Union dues$0.00$N/Ad. Other (Specify):$0.00$N/A$0.00$N/A5. SUBTOTAL OF PAYROLL DEDUCTIONS$1,135.81$N/A6. TOTAL NET MONTHLY TAKE HOME PAY$4,164.20$N/A7. Regular income from operation of business or profession or farm (Attach detailed statement)$0.00$N/A8. Income from real property$0.00$N/A9. Interest and dividends$0.00$N/A10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that ofdependents listed above$0.00$N/A11. Social security or government assistance(Specify):$0.00$N/A$0.00$N/A12. Pension or retirement income$0.00$N/A13. Other monthly income(Specify):$0.00$N/A$0.00$N/A14. SUBTOTAL OF LINES 7 THROUGH 13$0.00$N/A15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14)$4,164.20$N/A16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15)$4,164.20(Report also on Summary of Schedules and, if applicable, onStatistical Summary of Certain Liabilities and Related Data)17. Describe any increase or decrease in income reasonably anticipated to occur within the year following the filing of this document:Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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B6J (Official Form 6J) (12/07)In reAnthony Drew DickinsonCase No.11-34012Debtor(s)SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S) -AMENDEDComplete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family at timecase filed. Prorate any payments made bi-weekly, quarterly, semi-annually, or annually to show monthly rate. The average monthlyexpenses calculated on this form may differ from the deductions from income allowed on Form 22A or 22C.(cid:134)Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule ofexpenditures labeled "Spouse."1. Rent or home mortgage payment (include lot rented for mobile home)$1,942.70 a. Are real estate taxes included?Yes X No b. Is property insurance included?Yes X No 2. Utilities:a. Electricity and heating fuel$320.00b. Water and sewer$0.00c. Telephone$155.00d. OtherDish Network$172.003. Home maintenance (repairs and upkeep)$0.004. Food$230.005. Clothing$20.006. Laundry and dry cleaning$15.007. Medical and dental expenses$10.008. Transportation (not including car payments)$0.009. Recreation, clubs and entertainment, newspapers, magazines, etc.$0.0010. Charitable contributions$0.0011. Insurance (not deducted from wages or included in home mortgage payments)a. Homeowner's or renter's$0.00b. Life$0.00c. Health$0.00d. Auto$0.00e. Other$0.0012. Taxes (not deducted from wages or included in home mortgage payments)(Specify)See Detailed Expense Attachment$37.0013. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in theplan)a. Auto$0.00b. Other$0.00c. Other$0.0014. Alimony, maintenance, and support paid to others$0.0015. Payments for support of additional dependents not living at your home$0.0016. Regular expenses from operation of business, profession, or farm (attach detailed statement)$0.0017. OtherChild Care$820.00 OtherPetcare$40.0018. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and,if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)$3,761.7019. Describe any increase or decrease in expenditures reasonably anticipated to occur within the yearfollowing the filing of this document:20. STATEMENT OF MONTHLY NET INCOMEa.Average monthly income from Line 15 of Schedule I$4,164.20b.Average monthly expenses from Line 18 above$3,761.70c.Monthly net income (a. minus b.)$402.50Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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B6J (Official Form 6J) (12/07)In reAnthony Drew DickinsonCase No.11-34012Debtor(s)SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S) - AMENDEDDetailed Expense AttachmentSpecific Tax Expenditures:Personal Property Taxes$3.00RE tax$34.00Total Tax Expenditures$37.00Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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}bk1{Creditor Address Matrix}bk{A.D.DickinsonConcrete10320CatharpinRoadSpotsylvania, VA 22551AHHHarrisPOBox30135Hartford, CT 06150AlliedGroupInsurancec/oARSI555St.CharlesDr.,Suite100Thousand Oaks, CA 91360BayAreaCreditServiceLLC1901W10thStreetAntioch, CA 94509-1380BeasleyConcrete,Inc.POBox719Callao, VA 22435Burt&Associates6700PinecrestDriveSuite150Plano, TX 75024CapitalManagementServices726ExchangeStreetSuite700Buffalo, NY 14210ChaseBankc/oCreditorsFinancialGroup3131SouthVaughnWay,Ste110Aurora, CO 80014CitiCapitalCommercialCorp.c/oICCommercialServices4012GunnHighway,Suite250Tampa, FL 33618CommonwealthofVirginiaDivisionofDebtCollectionPOBox610Richmond, VA 23218-0610Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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CommonwealthofVirginiaDeptofTaxation-LegalUnitP.O.Box2156Richmond, VA 23218DonaldMills&Associates,P.C307LafayetteBlvd.Suite304Fredericksburg, VA 22401EnnstoneInc.c/oBruceFickley,Esq.POBox4005Roanoke, VA 24015FordMotorCreditc/oRandolph,Boyd,Cherry13EastMainStreetRichmond, VA 23219Fullerton&Knowles12642ChapelRoadClifton, VA 20124GECapitalPOBox642555Pittsburgh, PA 15264-2555GECapitalSolutionsc/oARSystemsPOBox80766Valley Forge, PA 19484GEMoneyBank/YamahaPOBox530912Atlanta, GA 30353-0912Getty&Associates4258GermannaHighwaySuiteELocust Grove, VA 22508Goodall&Pelt,P.C.1259CourthouseRoadSuite101Stafford, VA 22554Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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IdearcMediaLLC/SuperMediac/oMcCarthy,Burgess&Wolff26000CannonRoadCleveland, OH 44146JillD.Caravaggio8923FingerboardRoadSuiteCFrederick, MD 21704JohnC.Hodges,Esq.POBox5White Stone, VA 22578Joseph,Mann&Creed20600ChagrinBlvd.Suite550Beachwood, OH 44122-5340KennethG.Schivone1942LexingtonAvenueNorthSuite1Roseville, MN 55113LibertyEquipmentRepairInc.10879HouserDriveFredericksburg, VA 22408LuckStoneCorporationPOBox29682Henrico, VA 23242MonarchRecoveryManagement10965DecaturRoadPhiladelphia, PA 19154-3210NCCBusinessServicesInc.9428BaymeadowsRoad#200Jacksonville, FL 32256NicoleLynnDickinson9806BrockRoadSpotsylvania, VA 22551Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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PamKing9522CharlesfieldDriveFredericksburg, VA 22407PNCBank2730LibertyAvenuePittsburgh, PA 15222RappahannockConstructionComp8541IndianHillsCourtFredericksburg, VA 22407RSCEquipmentRentalPOBox36217Charlotte, NC 28236-6217SamuelI.White,P.C.5040CorporateWoodsDriveSuite120Virginia Beach, VA 23462-6523SescoDDSc/oTransworldSystemsInc.1608SpringHillRoad,#410Vienna, VA 22182SunbeltRentals2341DeerfieldDriveFort Mill, SC 29715SuntrustBankc/oNCOFinancialSystemsInc507PrudentialRoadHorsham, PA 19044SuntrustMortgageInc.1001SemmesAvenueRVRichmond, VA 23224The411YellowPages.com1121S.MilitaryTrail#142Deerfield Beach, FL 33442-7645Case 11-34012-KRH Doc 43 Filed 07/29/13 Entered 07/29/13 00:39:48 Desc Main

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TherosEquipmentInc.4597LeeHighwayWarrenton, VA 20187UnionFirstMarketBankPOBox940Ruther Glen, VA 22546UnitedYellowPages14781MemorialDriveSuite1468Houston, TX 77079USTrustee701E.BroadStreetSuite4304Richmond, VA 23219VirginiaConcreteCo.DBACardinal-VirginiaConcretePOBox725Springfield, VA 22150WellsFargoDealerServicesPOBox6700Rancho Cucamonga, CA 91729Williams,Babbit&Weisman,In5255NorthFederalHighwayThirdFloorBoca Raton, FL 33487