Cassandra Johnson Landry

JE IT IS ORDERED as set forth below: a4 a ae Worm Date: May 31, 2019 LS . oY LisaRitchey Craig U.S. Bankruptcy Court Judge UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA ATLANTA DIVISION IN THE MATTER OF: : CASE NUMBER CASSANDRA JOHNSON LANDRY, : 18-55697-LRC aka CASSANDRA LANDRY, : IN PROCEEDINGS UNDER CHAPTER 7 OF THE DEBTOR. : BANKRUPTCY CODE ORDER DENYING DEBTOR’S MOTION TO CONVERT Before the Court is Debtor’s Motion to Convert from Chapter 7 to Chapter 13 (the “Motion”). (Doc. 154). The Court held a hearing on the Motion on March 28, 2019. Debtor filed a voluntary petition for relief under Chapter 13 of the Bankruptcy Code on April 3, 2018. (Doc. 1). On September 13, 2018, Debtor voluntarily converted her case from Chapter 13 to Chapter 7. Debtor now seeks reconversion of her case to Chapter 13. Debtor does not explain why she would like to reconvert other than stating her “intention of maintaining and sustaining [Debtor’s] personal property in the bankruptcy.” (Doc. 154). Melissa Davey, the former Chapter 13 trustee (the “Former Chapter 13 Trustee”), opposes the Motion on the basis that it was filed in bad faith. “The debtor may convert a case under this chapter to a case under chapter 11, 12, or 13 of this title at any time, if the case has not been converted under section 1112, 1208, or 1307 of this title.” 11 U.S.C. § 706 (a). In Marrama v. Citizens Bank of Mass., 549 U.S. 365, 371-72 (2007), the Supreme Court held that a Chapter 7 debtor does not have an absolute right to convert to Chapter 13. Rather, the right to convert is tempered by § 706(d), which provides that “‘[n]othwithstanding any other provision of this section, a case may not be converted to a case under another chapter of this title unless the debtor may be a debtor under such chapter.’” Id.at 372. Accordingly, a court may deny a debtor’s first request to convert from Chapter 7 to 13 where cause would exist to dismiss the case under § 1307(c). Id. at 373. The Court has even greater discretion to deny a motion to reconvert. In re Povah, 455 B.R. 328, 340 (Bankr. D. Mass. 2011).1 Unlike a debtor requesting conversion, which Marrama held could only be denied in “extraordinary cases[,]” Marrama, 549 U.S. at 375 n.11, a debtor who seeks to reconvert to Chapter 13 bears the burden of establishing good 1 In fact, as the Former Chapter 13 Trustee has noted, there is a split of authority as to whether § 706(a) even permits reconversion. Compare In re McLawhorn, 2014 WL 4948120 , at *1 (Bankr. E.D. N.C. Oct. 2, 2014)(holding a debtor may not reconvert), In re Muth, 378 B.R. 302, 302-03 (Bankr. D. Colo. 2007) (same), In re Hardin, 301 B.R. 298, 300 (Bankr. C.D. Ill. 2003)(same), andIn re Baker, 289 B.R. 764, 767 (Bankr. M.D. Ala. 2003)(same),with In re Reid, 2019 WL 1004707 , at *3 (Bankr. D. Md. Feb. 26, 2019) (holding that reconversion is permitted),In re Dahl, 2016 WL 104975 , at *3 (Bankr. D. Minn. Jan. 8, 2016) (same), In re Harris, 497 B.R. 652, 665 (Bankr. D. Mass. 2013)(same), In re Povah, 455 B.R. 328, 340 (Bankr. D. Mass. 2011)(same), andIn re Johnson, 376 B.R. 763 (Bankr. D.N.M. 2007)(same). faith and the feasibility of reorganization. In re Reid, 2019 WL 1004707 , at *3 (Bankr. D. Md. Feb. 26, 2019); see also Povah, 455 B.R. at 341 . This interpretation balances the competing bankruptcy policies of giving the debtor every chance to voluntarily repay her debt and protecting creditors from the delay attendant to a fruitless effort to reconvert. Here, Debtor has failed to demonstrate the good faith and feasibility that would warrant the Court’s exercising its discretion to reconvert this case to Chapter 13. First, Debtor’s motivation for seeking reconversion demonstrates a lack of good faith. Chapter 13 is a tool for debtors to voluntarily repay their debts over time. It is not simply an alternative forum within which debtors may challenge all of their debts with no intention of paying any creditors. In re Mitrano, 472 B.R. 706, 711 (E.D. Va. 2012) (affirming dismissal of Chapter 13 case where the debtor had attempted to use it “as an alternative forum to litigate claims”). The Former Chapter 13 Trustee reported that during Debtor’s 341 Meeting of Creditors, before she voluntarily converted to Chapter 7, Debtor testified that she intended to dispute every secured creditor listed in her Chapter 13 plan. (For the Record (“FTR”), at Aug. 14, 2018, 2:34 PM). Debtor continues to dispute those claims and has not identified a single creditor that would be repaid if this case was reconverted to Chapter 13. (FTR, at Mar. 28, 2019, 11:40 AM). Given thatDebtorintends to use Chapter 13 as a vehicle to dispute the claims of her secured creditors rather than repay her debt over time, the Court finds that the Motion was not filed in good faith. The Court’s conclusion is further supported by Debtor’s conduct in this case. Bankruptcy courts have found that denying conversion due to a lack of good faith is appropriate when there is a clear record of delay or disruptive behavior. See Cobb v. Husley (In re Cobb), 216 B.R. 676, 679-80 (Bankr. M.D. Fla. 1998) (finding that debtor’s frivolous filings demonstrated a lack of good faith). Such conduct may involve filing duplicative and frivolous pleadings. In re Truong, 2009 WL 2929261 , at *5 (Bankr. S.D. N.Y. Sept. 3, 2009). In this case, Debtor has filed multiple pleadings wherein she claims that neither she nor her property are subject to the laws of the United States.2 (See Submission of Fraud, Doc. 137; Motion to Investigate Fraud, Doc. 147). Similar arguments, made by socalled “sovereign citizens,” have been summarily rejected as frivolous. See, e.g., United States v. Sterling, 738 F.3d 228 , 233 n.1 (11th Cir. 2013); United States v. Benabe, 654 F.3d 753, 761-67 (7th Cir. 2011). These filings demonstrate that Debtor has no intent to use Chapter 13 for the legitimate purpose of reorganizing. Turning to the feasibility of any reorganization,the history of this case raises doubts about whether Debtor could propose a confirmable Chapter 13 plan. Before Debtor voluntarily converted to Chapter 7, the Former Chapter 13 Trustee listed numerous objections to Debtor’s proposed Chapter 13 plan. (Docs. 31, 60). Debtor has not filed an amended plan or explained how she intends to resolve the Former Chapter 13 Trustee’s objections. Furthermore, Debtor has failed to demonstrate that Chapter 13 would serve the best interest of her creditors. To have a confirmable Chapter 13 plan, the debtor must 2In addition to these arguments, Debtor has also filed a number of “common law liens.” (Docs. 167, 168, 169). These liens, which are common practice in the “Sovereign Citizen Movement,” are groundless and not supported by bankruptcy or non-bankruptcy law. See, e.g.,U.S. v. Hart, 701 F.2d 749, 750 (8th Cir. 1983) (affirming invalidation of “Common-law Liens”); U.S. v. Barker, 19 F. Supp. 2d 1380, 1383-84 (S.D. Ga. 1998) (collecting cases finding similar common-law liens are invalid); see also Liens by ‘Sovereign Citizens’ a Headache for State Officials, NPR (Apr. 26, 2013), https://www.npr.org/templates/story/story.php?storyId=215838773 (last visited Apr. 26, 2019). demonstrate that unsecured creditors would receive “not less than the amount that would be paid on such claim if the estate of the debtor were liquidated under chapter 7[.]” 11 U.S.C. § 1325 (a)(4). In this case, the Chapter 7 Trustee reported that he has discovered a previously undisclosed life insurance policy worth as much as $115,000. (FTR, at March 28, 2019, 11:43 AM;see alsoDoc. 156). To satisfy the confirmation requirements, Debtor would be required to propose a plan to pay her creditors the amount they would receive if the Trustee liquidated the life insurance policies, and Debtor has not demonstrated a willingness or an ability to do so. Further, reconversion would needlessly delay distributing funds to creditors, who will receive payment faster and with less risk in a Chapter 7 case. Finally, Debtor’s remaining in Chapter 7 will also ensure the best outcome for all interested parties. The Chapter 7 Trustee can investigate Debtor’s financial affairs, administer the estate’s assets, object to fraudulent claims, and pursue any meritorious causes of action on behalf of the estate. See 11 U.S.C. § 704 (1), (5). Allowing Debtor to reconvert to Chapter 13 would not serve a legitimate bankruptcy purpose and would only further delay this case, causing prejudicial harm to Debtor’s creditors. Accordingly, for the above stated reasons, IT IS HEREBY ORDERED that Debtor’s Motion to Reconvert to Chapter 13 (Doc. 154) is DENIED. END OF DOCUMENT Distribution List Attached list of creditors Atlanta Fri May 31 13:45:52 EDT 2019 Advantage Collection Professionals LLC Aldrige Pite LLP All P.O. Box 353 15 Piedmont Center 104 Marietta St NW Cambridge, Minnesota 55008-0353 3575 Piedmont Rd NE Ste 100 Ste 500 Atlanta, GA 30303-2743 Atlanta, GA 30305-1623 Alliance For Change Through Treatment LLC Allstate Corp Alpha Recovery Corporation C/o Cassandra Johnson-Landry Payne Richards and Associates 5660 Greenwood Plaza Blvd P.O. Box 1275 3801 Pegasus Dr, Ste 101 Ste 101 Grayson GA 30017-0024 Bakersfield, CA 93308-6874 Greenwood Village, CO 80111-2417 Altisource Portfolio Solutions Altisource Profolio Solutions Altisource Profolio Solutions 1000 Abernathy Rd Ste 200 C/O Corporation Service Company John A Vella Atlanta, GA 30328-5604 40 Technology Parkway South 6060 Center Dr, Ste 500 Ste 300 Los Angeles, CA 90045-8857 Norcross, GA 30092-2924 Altisource Profolio Solutions Altisource Profolio Solutions Altisource Profolio Solutions Sophie A Hubscher Timothy G.N. Harcourt Weissman Nowack Curry & Wilco PC 1000 Abernathy Rd Ste 200 1000 Abernathy Rd Ste 200 1000 Abernathy Rd Ste 200 Atlanta, GA 30328-5604 Atlanta, GA 30328-5604 Atlanta, GA 30328-5604 American Express American Express Delta Sky Miles American Express National Bank Delta Sky Miles PO Box 297871 Becket and Lee LLP PO Box 1270 Fort Lauderdale, FL 33329-7871 PO Box 3001 Newark, NJ 07101-1270 Malvern, PA 19355-0701 American Express National Bank American Recovery Service Inc. Amerigroup Corporation (Delaware) c/o Becket and Lee LLP 555 St. Charles Dr, Ste 100 4425 Corporation Lane PO Box 3001 Thousand Oaks, CA 91360-3983 Virginia Beach, VA 23462-3103 Malvern PA 19355-0701 Amerigroup Corporation (Delaware) Amerigroup Corporation (Delaware) Ames Funding C/O C T Corporation System Kathleen S. Keifer 2 N. Lake Ave. 289 S Culver St 120 Monument Cir Ste 260 Lawrenceville, GA 30046-4805 Indianapolis, IN 46204-4906 Pasadena, CA 91101-4177 Ames Funding Annette M Cowart 191199 Ardent Mortgage Company 2 North Lake Ave Deputy Attorney General 2677 N. Main Street, Suite 140 Pasadena CA 91101-1858 456 Athens ST Santa Ana CA 92705-6659 Jefferson, GA 30549-1408 Argent Mortgage Company Association for Habersham Association for Habersham 2677 N. Main St 160 Clairmont Ave c/o Dorough & Dorough Decatur, GA 30030-2500 Heather D. Bock Herbert C. Broadfoot II Bureaus Investment Group Portfolio No 15 LLC McCalla Raymer Leibert Pierce LLC Herbert C. Broadfoot II, PC c/o PRA Receivables Management, LLC 1544 Old Alabama Road Buckhead Centre - Suite 555 PO Box 41021 Roswell, GA 30076-2102 2964 Peachtree Road, NW Norfolk VA 23541-1021 Atlanta, GA 30305-2153 Burgess Title & Escrow LLC C T Corporation CACH LLC 230 Patrick Henry Pkwy #350 Lawrence, GA 30046-4805 Harold E. Scherr McDonough, GA 30253 300 Primera Blvd., #356 Lake Mary, FL 32746-2142 CACH LLC CACH LLC/Resurgent Capital Services CACH, LLC PO Box 5980 PO Box 5235 Resurgent Capital Services Denver, CO 80217-5980 Greenville, SC 29606 PO Box 10587 Greenville, SC 29603-0587 CMIT Solutions of Atlanta Capital One/American Express Capital One/Marriott Visa North Perimeter The Bureaus The Bureaus 1200 Abernathy Rd 1717 Central St 1717 Central St Ste 1700 Evanston, IL 60201-1507 Evanston, IL 60201-1507 Atlanta, GA 30328-5671 Carl W Wright PC Carl W. Wright PC Carrington Mortgage 1239 Lakeview Cove 367 Athens Hwy Ste 900 1600 South Douglass Rd Loganville, GA 30052 Loganville, GA 30052-4997 Suite 100 & 200A Anaheim, CA 92806 Carrington Mortgage Cassandra Johnson Landry Cassandra Johnson Landry 1600 South Douglass Rd For Alliance For Change For Alliance For Change Suite 110 & 200A 869 Natchez Valley Trace P.O. Box 1275 Anaheim, CA 92806 Grayson GA 30017-4963 Grayson GA 30017-0024 Catherine C. Kruger PC Cb/VicScrt Chase PO Box 767847 PO Box 182789 PO Box 15298 Roswell, GA 30076-7847 Columbus, OH 43218-2789 Wilmington, DE 19850-5298 Chase Card Services Chase Mortgage Chicago Title Company PO Box 15298 PO Box 24696 601 Riverside Ave Wilmington, DE 19850-5298 Columbus, OH 43224-0696 Jacksonville, FL 32204-2946 Chicago Title Company Christopher M Carr Christopher M Carr 112505 Madeline G.M. Lovejoy Attorney General Attorney General Roswell, GA 30076-8667 Roswell, GA 30076-8667 Cogency Global Inc Comcast Comenity Bank Joan Wagner Cassandra Johnson Landry Payne Richards & Associates 10 East 40th Street 869 Natchez Valley Trace PO Box 10389 10th Floor Grayson, GA 30017-4963 Bakersfield, CA 93389-0389 New York, NY 10016-0201 Commercial Trade Inc Commonwealth Land Convergent Outsourcing Inc PO Box 10389 Title Insurance Company PO Box 9004 Bakersfield, CA 93389-0389 601 Riverside Ave Renton, WA 98057-9004 Jacksonville, FL 32204-2901 Credence Resource Management Credence Resource Management, LLC Credit Central Services LLC 17000 Dallas Parkway Suite 204 6045 Atlantic Blvd 9550 Regency Square Blvd Dallas, TX 75248-1940 Norcross, GA 30071-1322 Suite 500A Jacksonville, FL 32225-8169 Cynthia Pope Melissa J. Davey De Lage Landen Financial Services Inc. Small Business Administration Office of Melissa J. Davey 1111 Old Eagle School Rd 409 3rd St SW MC 2150 Standing Chapter 13 Trustee Wayne, PA 19087-1453 Washington, DC 20416-0005 Suite 200 260 Peachtree Street, NW Atlanta, GA 30303-1236 De Lage Landen Financial Services Inc. De Lage Landen Financial Services Inc. De Lage Landen Financial Services Inc. 1775 Tysons Blvd C T Corporation Hays Potter Martin LLP Tyson, VA 22102-4284 289 S Culver St 3945 Holcomb Bridge Rd Ste 300 Lawrenceville, GA 30046-4805 Peachtree Corners, GA 30092-5200 De Lage Landen Financial Services Inc. DeKalb County Tax Commissioner Delong, Caldwell, Bridges, William Leroy Deckelman Jr. Attn: Collections Fitzpatrick & Benjamin LLC 1775 Tysons Blvd 4380 Memorial Drive Ste 100 101 Marietta NW Ste 3100 Tyson, VA 22102-4284 Decatur GA 30032-1239 Atlanta, GA 30303-2731 Department of the Treasury Deutsche Bank National Trust Company, Dorian Murry Internal Revenue Service Ocwen Loan Servicing, LLC Attorney at Law P.O. Box 7346 Attn: Bankruptcy Department 5300 Memorial Dr Philadelphia, PA 19101-7346 PO Box 24605 Ste 138 West Palm Beach, FL 33416-4605 Stone Mountain, GA 30083-3155 Dorion Murry Dorough & Dorough Dorough & Dorough Attorney at Law 160 Clairemont Ave 160 Clairemont Ave 5300 Memorial Dr Ste 630 Suite 650 Ste 138 Decatur, GA 30030-2534 Decatur, GA 30030-2534 Stone Mountain, GA 30083-3155 Dorough & Dough Dorough & Dough Attys at Law Eastside Medical Attys at Law 180 Clairemont Ave PO Box 740766 Emory Eastside Medical Center First Franklin First Franklin Resurgent Capital Services 4061 Powder Mill Rd #600 Div of National Bank of IN PO Box 1927 Calverton MD 20705-4039 4061 Powder Mill Rd #600 Greenville, SC 29602-1927 Calverton, MD 20705-4039 Forrestall CPA GE Mortgage Insurance Georgia Department of 5328 Lanier Islands Pkwy 150 Grossman Dr Suite 301 Community Health Ste 201 Braintree, MA 02184-4951 Benefit’s Recovery Section Buford, GA 30518-9056 2 Peachtree Street, N.W. Atlanta, GA 30303-3141 Georgia Department of Behaviorial Georgia Department of Behaviorial Georgia Department of Community Health Health & Developmental Disabilities Health & Developmental Disabilities 2 Peachtree Street, NW 40th Floor Commissioner’s Office Commissioner’s Office, Frank Berry Atlanta, GA 30303-3141 Judy Fitzgerald Two Peachtree Street, N.W. 24th Fl Two Peachtree Street, N.W. 24th Fl Atlanta, GA 30303-3142 Atlanta, GA 30303-3142 Georgia Power Georgia Superior Court Neil C. Gordon c/o Kevin Pearson Clerk Cooperative Arnall, Golden & Gregory, LLP 241 Ralph McGill Blvd NE 1875 Century Blvd Ste 100 Suite 2100 Bln #10180 Atlanta, GA 30345-3314 171 17th Street, NW Atlanta, GA 30308-3374 Atlanta, GA 30363-1031 Great America Financial Service Great America Financial Service GreatAmerica Financial Svcs. 625 First St. SE, Suite 800 625 First Street SE, Suite 600 PO Box 660831 Cedar Rapids, IA 52401-2031 Cedar Rapids IA 52401-2030 Dallas, TX 75266-0831 Green & Associates PC Whitney W. Groff Grossman & Karaszewski LLC c/o Cassandra Johnson Landry Georgia Attorney General Attn William Grossman 869 Natchez Valley Trace 40 Capitol Square, SW 5965 Transit Road Ste 500 Grayson, GA 30017-4963 Atlanta, GA 30334-9057 East Amherst NY 14051-1874 Grossman & Karaszewski PLLC Gwinnett County Fire and H & R BLOCK MORTGAGE Attn William Grossman Emergency Services P.O. BOX 949 5965 Transit Road Ste 500 480 Bedford Rd Orange Ca 92856-6949 East Amherst NY 14051-1874 Bldg 600 2nd Floor Chappaqua, NY 10514-1715 H and R Block Mortgage S. Gregory Hays Hedrick Kring PLLC C/O Option One Hays Financial Consulting, LLC Delta PO Box 949 Suite 555 1700 Pacific Ave Ste 4650 Orange, CA 92856-6949 2964 Peachtree Road Dallas, TX 75201-4684 Atlanta, GA 30305-4909 HomeBanc Mortgage Homeside Properties Inc Honorable Justin S. Anand 101 E. Kennedy Blvd 2555 Westside Parkway 1864 Richard B Russell Federal Bldg Atlanta, GA 30303-3315 Atlanta, GA 30303-3315 Atlanta, GA 30303-3315 Honorable Leigh Martin May Huron Group/Bank of America Huron Law Group 2167 Richard B Russell Federal Bldg Cooling Water 34851 Harry S Truman Blvd 75 Ted Turner Drive SW 1355 Roswell Rd, Ste 240 St. Charles, MO 63301 Atlanta, GA 30303-3315 Marietta, GA 30062-3690 A. Michelle Hart Ippoliti JPMorgan Chase Bank, National Association Jackson & Hardwick McCalla Raymer Leibert Pierce, LLC Chase Records Center 2325 Lakeview Pkwy #275 1544 Old Alabama Road Attn: Correspondence Mail Alpharetta, GA 30009-7944 Roswell, GA 30076-2102 Mail Code LA4-5555 700 Kansas Lane Monroe, LA 71203-4774 Jackson & Hardwick Jeanette B Burns Jeanette B Burns 253 Main St 1225 Johnson Ferry Rd Weissman Nowack Curry & Wilco PC Loganville, GA 30052-2676 Marietta, GA 30068-2727 5909 Peachtree Dunwoody Road Building D, Suite 100 Atlanta, GA 30328-8102 Jeffrey E Atkinson John G Aldridge John G Aldridge Jr PC c/o William Calvin Bomar Atlanta, GA 30327 Fifteen Piedmont Center 100 Galleria Pkwy SE 3575 Piedmont Rd NE Ste 500 Ste 480 Atlanta, GA 30305-1636 Atlanta, GA 30339-3165 Jonathan M. Weiss Brian K. Jordan Judy Fitzgerald Klee, Tuchin, Bogdanoff & Stern LLP Aldridge Pite, LLP GA Commissioner of BHDD 1999 Avenue of the Stars Suite 500 - Fifteen Piedmont Center Two Peachtree St NW 24th Floor 39th Floor 3575 Piedmont Road, NE Atlanta, GA 30303-3142 Los Angeles, CA 90067-6049 Atlanta, GA 30305-1636 Judy Fitzgerald, Commissioner Karen W Hester Kimberly Ryan GA Dept of Behavioral Health & 1551 Annapolis Way Chair of BHDD Two Peachtree St NW 24th Floor Grayson, GA 30017-1097 Two Peachtree St NW 24th Floor Atlanta, GA 30303-3142 Atlanta, GA 30303-3142 Kimberly Ryan, Chair David S. Klein Lindsay P. S. Kolba GA Dept of Behavioral Health & Rountree Leitman & Klein, LLC Office of the U.S. Trustee Two Peachtree St NW 24th Floor Century Plaza I Suite 362 Atlanta, GA 30303-3142 2987 Clairmont Road 75 Ted Turner Drive, S.W. Suite 175 Atlanta, GA 30303-3330 Atlanta, GA 30329-4448 Land America Lawyers Title Cassandra Johnson Landry Lazega & Johanson LLC Consumer Affairs Dept P.O. Box 1275 Bradley W Griffin 746187 PO Box 27467 Grayson, GA 30017-0024 3520 Piedmont Rd NE Richmond, VA 23261-7567 Ste 4015 Atlanta, GA 30305-1512 Liberty Mutual Insurance Company Macquarie Equipment Finance Macy’s American Express 175 Berkeley Street PO Box 2017 PO Box 9001108 Birmingham, AL 35209-3103 Andrew Houston McCullen Media Pages Michelle Townes Aldridge Pite LLP 28364 South Western Ave 456 Athens St Suite 500 #28 Jefferson, GA 30549-1408 3575 Piedmont Road NE Rancho Palos Verdes, CA 90275-1434 Atlanta, GA 30305-1636 Michelle Townes 714924 Midland Funding LLC Natchez Trace HOA Assistant Attorney General PO Box 2011 838 Natchez Valley Trace 456 Athens ST Warren, MI 48090-2011 Grayson, GA 30017-4966 Jefferson, GA 30549-1408 Natchez Trace HOA Natchez Trace Homeowners Association, Inc. National Board of Certified Counselors 839 Natchez Valley Trace G. Lanier Coulter Andreea Tiganus Grayson, GA 30017-4963 2800 Century Parkway, Ste. 275 3 Terrace Way Atlanta, GA 30345-3144 Greensboro, NC 27403-3660 Neiman Marcus Nelson Mullins Riley and Scarborough LLP North Fulton Title Co PO Box 5235 Attorney Greg Taube Stephen L Jenkins Carol Stream, IL 60197-5235 201 17th 81 NW Ste 1700 4463 Towne Lake Pkwy Atlanta, GA 30363-1099 Ste 100 Woodstock, GA 30189-8230 L. Stephen O’Hearn Jr. Ocwen Loan Servicing Ocwen Loan Svc/Option One Meyer & Sayers, LLP Nationstar PO Box 24605 P O Box 16089 PO Box 660264 West Palm Beach, FL 33416-4605 Savannah, GA 31416-2789 Dallas, TX 75266-0264 Ocwen Loan/Nationstar Office of the United States Trustee On Deck PO Box 24605 362 Richard Russell Building 901 North Stuart St West Palm Beach, FL 33416-4605 75 Ted Turner Drive, SW Ste 700 Atlanta, GA 30303-3315 Arlington, VA 22203-4129 OnDeck OnceLogix LLC P Brian Campbell 1400 Broadway 111 North Chestnut St Assistant Attorney General New York, NY 10018-5300 Ste 302 456 Athens ST Winston Salem, NC 27101-4056 Jefferson, GA 30549-1408 P Brian Campbell 106755 PNC Bank National Association Inc PNC Bank National Association Inc. Assistant Attorney General 300 Fifth Avenue C/O Christi Davis, Board Secretary 456 Athens ST Pittsburgh, PA 15222-2401 300 Fifth Avenue Jefferson, GA 30549-1408 Pittsburgh, PA 15222-2401 PNC Bank National Association Inc. PRA Receivables Management, LLC Parnell & Parnell c/o Corporation Service Company PO Box 41021 641 South Lawrence St Publishers Clearing House Quantum3 Group LLC as agent for ReadyCap Lending PO Box 6344 Comenity Bank 420 Mountain Ave Harlan, IA 51593-1844 PO Box 788 New Providence, NJ 07974-2736 Kirkland, WA 98083-0788 ReadyCap Lending, LLC Regency Mortgage Regions Mortgage c/o Eileen Bottino 5395 Roswell Rd NE 605 So Perry St 420 Mountain Ave Atlanta, GA 30342-1976 Montgomery, AL 36104-5821 New Providence, NJ 07974-2736 Regions Mortgage Residential Title Inc Resurgent Capital Services 605 South Perry Street Kenneth E. Sullivan Cach, LLC Montgomery AL 36104-5821 245 West Crogan St 55 Beattie Pl Ste 110 Lawrenceville, GA 30046-4863 Greenville, SC 29601-5115 Resurgent Capital Services LLP Resurgent Capital Services LLP/CACH LLC Richard Green, II Freshview Solutions P.O. Box 10497 Administrative Judge PO Box 10497 Greenville, SC 29603-0497 191 Peachtree St NE Greenville, SC 29603-0497 Ste 3275 Atlanta, GA 30303-1784 Richard Green, II, Administrative Judge Richard Payne Associates Ring Central 191 Peachtree St NE 3801 Pegasus Dr. Suite 101 20 Davis Dr Atlanta, GA 30303-1740 Bakersfield, CA 93308-6874 Belmont, CA 94002-3002 Riverdale Funding Riverdale Funding Riverdale Funding C/O Woiodbridge Funding c/o Woodbridge Lending c/o Woodbridge Lending 12050 Ventura Blvd 12050 Ventura Blvd Woodbridge Group of Companies, LLC Studio City CA 91604-2638 Studio City, CA 91604-2638 Studio City, CA 91604 Safeco Insurance Safeco Insurance Saks World Elite/Capital One 175 Berkeley Street P.O. Box 10002 Frontline Asset Strategy Boston, MA 02116-5066 Manchester, NH 03108-1002 2700 Snelling Ave N Ste 250 Roseville, MN 55113-1783 Sarah Hawkins John D. Schlotter Select Portfolio Services Little Rock Commercial McCalla Raymer Pierce, LLC PO Box 65450 2120 Riverfront Drive 1544 Old Alabama Road Salt Lake City, UT 84165-0450 Suite 100 Roswell, GA 30076-2102 Little Rock, Arkansas 72202-1794 Shalen Nelson Shalen Nelson 636575 Sound Telecom Senior Assistant Attorney General Senior Assistant Attorney General PO Box 789050 Stoneleigh Recovery Associates Synchrony Bank Synchrony Bank (Sam’s Club) PO Box 1479 c/o PRA Receivables Management, LLC Midland Funding Lombard, IL 60148-8479 PO Box 41021 1355 Roswell Rd Ste 240 Norfolk, VA 23541-1021 Marietta, GA 30062-3690 Tamera Bell Tamera Bell Gregory M. Taube 5220 North Somerset LN c/o Mzekewe Legal LLC Nelson Mullins Riley & Scarborough, LLP Alpharetta, GA 30004-7419 PO 849 Suite 1700 Atlanta, GA 30301-0849 201 17th Street, NW Atlanta, GA 30363-1099 The Bureaus/Capital One The Downs Homeowners Assoc The Downs Homeowners Association P.O. Box 1479 c/o Community Mgmt Inc c/o Georgia Community Mgmt Inc. Lombard, IL 60148-8479 2120 Hwy 81 Loganville, GA 30052 Loganville, GA 30052-4331 The Downs Homeowners Association, Inc. Timothy R Hester (p)TMX FINANCE LLC FORMERLY TITLEMAX c/o Lazega & Johanson, LLC 1551 Annapolis Way 15 BULL STREET P.O. Box 250800 Grayson, GA 30017-1097 SUITE 200 Atlanta, Georgia 30325-1600 SAVANNAH GA 31401-2686 Robert Trauner Travelers Insurance Maria A. Tsagaris P. O. Box 421025 175 Berkeley Street McCalla Raymer Liebert Pierce Atlanta, GA 30342-8025 Boston, MA 02116-5066 1544 Old Alabama Road Roswell, GA 30076-2102 U.S. Bank National Association (p)US PREMIUM FINANCE Valeri Burnough 3476 STATEVIEW BLVD 280 TECHNOLOGY PARKWAY 7842 Clearview Cir MAC D3347-014 SUITE 200 Riverdale, GA 30296 FORT MILL, SC 29715-7203 NORCROSS GA 30092-2990 Valeri Burnough Valeri Burnough Veripro Solutions Delong Caldwell Bridgers c/o Cassandra Johnson Landry PO Box 3572 Fitzpatrick & Benjamin 869 Natchez Valley Trace Coppell, TX 75019-5538 101 Marietta St, NW, Suite 3100 Grayson, GA 30017-4963 Atlanta, GA 30303-2731 Weissman Nowack Curry & Wilco PC Weissman Nowack Curry & Wilco PC Weissman PC Altisource Portfolio Solutions One Alliance Center One Alliance Center One Alliance Center 3500 Lenox Rd 4th Floor 4th Floor 3500 Lenox Rd 4th Floor Atlanta, GA 30326-4228 3500 Lenox Rd Atlanta, GA 30326-4228 Atlanta, GA 30326-4228 Wells Fargo Wilmington Savings Fund Society, FSB, Wilmington Trust, National Association 2135 East Main St c/o CARRINGTON MORTGAGE SERVICES, LLC Select Portfolio Servicing, Inc. Woodbridge Mortgage Investment Fund 3A, LLC Klee, Tuchin, Bogdanoff & Stern LLP 1999 Avenue of the Stars 39th Floor Los Angeles, CA 90067-6049 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). TitleMax Corporate Office (d)TitleMax of Georgia, Inc. d/b/a TitleMax US Premium Finance 15 Bull Street 15 Bull Street, Suite 200 280 Technology Parkway Suite 200 Savannah GA 31401-2685 Savannah, GA 31401 Norcross GA 30092 The following recipients may be/have been bypassed for notice due to an undeliverable (u) or duplicate (d) address. (d)American Express Delta Sky Miles (d)American Express Delta Sky Miles (u)DEUTSCHE BANK NATIONAL TRUST COMPANY PO Box 1270 PO Box 1270 Newark, NJ 07101-1270 Newark, NJ 07101-1270 (du)Deutsche Bank National Trust Company (u)Georgia Department of Community Health (u)JPMorgan Chase Bank, National Association (u)King Group Mgmt, LLC (u)Ocwen Loan Servicing, LLC (u)ReadyCap Lending, LLC (u)Select Portfolio Servicing Inc. (u)Sukhmani Investments, LLC (u)Wilmington Savings Fund Society, FSB, as t End of Label Matrix Mailable recipients 243