CURTIS LEE WHITE, DEBTOR
Case No. 25-50808 KMS
UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF MISSISSIPPI
August 29, 2025
Judge Katharine M. Samson
Chapter 13
SO ORDERED,
Judge Katharine M. Samson
United States Bankruptcy Judge
Date Signed: August 29, 2025
The Order of the Court is set forth below. The docket reflects the date entered.
ORDER CONFIRMING CHAPTER 13 PLAN
The Debtor‘s plan was filed on June 02, 2025, and amended/modified by subsequent order(s) of the court, if any. The plan was transmitted to creditors pursuant to Bankruptcy Rule 3015. The court finds that the plan meets the requirements of
IT IS ORDERED THAT:
- The Debtor‘s chapter 13 plan attached hereto is confirmed.
- The following motions are granted (if any):
- Motion for valuation of security, payment of fully secured claims, and modification of undersecured claims made under Rule 3012 (§ 3.2 of the plan);
- Motion to avoid lien pursuant to Section 522 (§ 3.4 of the plan).
- The stay under Section 362(a) is terminated as to the collateral only and the stay under Section 1301 is terminated in all respects regarding collateral listed in Section 3.5 of the plan (if any).
- All property shall remain property of the estate and shall vest in the debtor only upon entry of discharge. The debtor shall be responsible for the preservation and protection of all property of the estate not transferred to the trustee.
- The Debtor‘s attorney is awarded a fee in the amount of $4,600.00, of which $4,328.00 is due and payable from the estate.
##END OF ORDER##
Approved:
/s/ THOMAS C. ROLLINS, JR
Attorney for the Debtor
Submitted By:
/s/ DAVID RAWLINGS, TRUSTEE
P.O. BOX 566
HATTIESBURG, MS 39403
(601) 582-5011 ecfNotices@rawlings13.net
| Debtor 1: Curtis Lee White | United States Bankruptcy Court for the SOUTHERN DISTRICT OF MISSISSIPPI | Check if this is an amended plan, and list below the sections of the plan that have been changed. 2.2, 3.2, 3.5 |
| Debtor 2: | ||
| Case number: 25-50808 |
Chapter 13 Plan and Motions for Valuation and Lien Avoidance 12/17
Part 1: Notices
To Debtors: This form sets out options that may be appropriate in some cases, but the presence of an option on the form does not indicate that the option is appropriate in your circumstances or that it is permissible in your judicial district. Plans that do not comply with local rules and judicial rulings may not be confirmable. The treatment of ALL secured and priority debts must be provided for in this plan.
In the following notice to creditors, you must check each box that applies
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 on or before the objection deadline announced in Part 9 of the Notice of Chapter 13 Bankruptcy Case (Official Form 3091). The Bankruptcy Court may confirm this plan without further notice if no objection to confirmation is filed. See Bankruptcy Rule 3015.
The plan does not allow claims. Creditors must file a proof of claim to be paid under any plan that may be confirmed.
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.
| 1.1 | A limit on the amount of a secured claim, set out in Section 3.2, which may result in a partial payment or no payment at all to the secured creditor | [X] Included | [ ] Not Included |
| 1.2 | Avoidance of a judicial lien or nonpossessory, nonpurchase-money security interest, set out in Section 3.4. | [ ] Included | [X] Not Included |
| 1.3 | Nonstandard provisions, set out in Part 8. | [X] Included | [ ] Not Included |
Part 2: Plan Payments and Length of Plan
2.1 Length of Plan.
The plan period shall be for a period of 60 months, not to be less than 36 months or less than 60 months for above median income debtor(s). If fewer than 60 months of payments are specified, additional monthly payments will be made to the extent necessary to make the payments to creditors specified in this plan.
2.2 Debtor(s) will make payments to the trustee as follows:
Debtor shall pay $2,336.66 [X] monthly, [ ] semi-monthly, [ ] weekly, or [ ] bi-weekly) to the chapter 13 trustee. Unless otherwise ordered by the court, an Order directing payment shall be issued to the debtor‘s employer at the following address:
Direct.
2.3 Income tax returns/refunds.
Check all that apply
[X] Debtor(s) will retain any exempt income tax refunds received during the plan term.
[ ] Debtor(s) will supply the trustee with a copy of each income tax return filed during the plan term within 14 days of filing the return and will turn over to the trustee all non-exempt income tax refunds received during the plan term.
[ ] Debtor(s) will treat income refunds as follows:
2.4 Additional payments.
Check one.
[X] None. If “None” is checked, the rest of § 2.4 need not be completed or reproduced.
Part 3: Treatment of Secured Claims
3.1 Mortgages. (Except mortgages to be crammed down under
Check all that apply.
[ ] None. If “None” is checked, the rest of § 3.1 need not be completed or reproduced.
3.1(a) Principal Residence Mortgages: All long term secured debt which is to be maintained and cured under the plan pursuant to
1 Mtg pmts to Carrington Mortgage Beginning July 2025 @ $1,275.68 [X] Plan [ ] Direct. Includes escrow [X] Yes [ ] No
1 Mtg arrears to Carrington Mortgage Through June 2025 $4,144.65
3.1(b) [ ] Non-Principal Residence Mortgages: All long term secured debt which is to be maintained and cured under the plan pursuant to
Property address: -NONE-
Mtg pmts to Beginning month @ Plan Direct. Includes escrow Yes No
Property -NONE- Mtg arrears to Through
3.1(c) [ ] Mortgage claims to be paid in full over the plan term: Absent an objection by a party in interest, the plan will be amended consistent with the proof of claim filed by the mortgage creditor.
Creditor: -NONE- Approx. amt. due: Int. Rate*:
Property Address:
Principal Balance to be paid with interest at the rate above:
(as stated in Part 2 of the Mortgage Proof of Claim Attachment)
Portion of claim to be paid without interest: $
(Equal to Total Debt less Principal Balance)
Special claim for taxes/insurance: $ -NONE- /month, beginning month.
(as stated in Part 4 of the Mortgage Proof of Claim Attachment)
Insert additional claims as needed.
3.2 Motion for valuation of security, payment of fully secured claims, and modification of undersecured claims. Check one..
[ ] None. If “None” is checked, the rest of § 3.2 need not be completed or reproduced.
The remainder of this paragraph will be effective only if the applicable box in Part 1 of this plan is checked.
[X] Pursuant to Bankruptcy Rule 3012, for purposes of
The portion of any allowed claim that exceeds the amount of the secured claim will be treated as an unsecured claim under Part 5 of this plan. If the amount of a creditor‘s secured claim is listed below as having no value, the creditor‘s allowed claim will be treated in its entirety as an unsecured claim under Part 5 of this 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 this paragraph.
| Name of creditor | Estimated amount of creditor‘s total claim # | Collateral | Value of collateral | Amount of secured claim | Interest rate* |
|---|---|---|---|---|---|
| Family Choice | $1,479.00 | Household Goods | $400.00 | $400.00 | 10.00% |
| OneMain Financial | $12,130.82 | 2011 Lexus LS 460 220000 miles | $7,110.00 | $7,110.00 | 10.00% |
Insert additional claims as needed.
#For mobile homes and real estate identified in § 3.2: Special Claim for taxes/insurance:
| Name of creditor | Collateral | Amount per month | Beginning month |
|---|---|---|---|
| -NONE- |
* Unless otherwise ordered by the court, the interest rate shall be the current Till rate in this District
For vehicles identified in § 3.2: The current mileage is
3.3 Secured claims excluded from
Check one.
[X] None. If “None” is checked, the rest of § 3.3 need not be completed or reproduced.
3.4 Motion to avoid lien pursuant to
Check one.
[X] None. If “None” is checked, the rest of § 3.4 need not be completed or reproduced.
3.5 Surrender of collateral.
Check one.
[ ] None. If “None” is checked, the rest of § 3.5 need not be completed or reproduced.
[X] The debtor(s) elect to surrender to each creditor listed below the collateral that secures the creditor‘s claim. The debtor(s) request
| Name of Creditor | Collateral |
|---|---|
| 1st Franklin | Household Goods |
| Tower Loan | Household Goods |
Insert additional claims as needed.
Part 4: Treatment of Fees and Priority Claims
4.1 General
Trustee‘s fees and all allowed priority claims, including domestic support obligations other than those treated in § 4.5, will be paid in full without postpetition interest.
4.2 Trustee‘s fees
Trustee‘s fees are governed by statute and may change during the course of the case.
4.3 Attorney‘s fees.
[X] No look fee: 4,600.00
Total attorney fee charged: $4,600.00
Attorney fee previously paid: $272.00
Attorney fee to be paid in plan per confirmation order: $4,328.00
[ ] Hourly fee: $ _______ (Subject to approval of Fee Application.)
4.4 Priority claims other than attorney‘s fees and those treated in § 4.5.
Check one.
[ ] None. If “None” is checked, the rest of § 4.4 need not be completed or reproduced.
[X] Internal Revenue Service $11,328.05
[ ] Mississippi Dept. of Revenue $0.00
[ ] Other $0.00
4.5 Domestic support obligations.
[X] None. If “None” is checked, the rest of § 4.5 need not be completed or reproduced.
Part 5: Treatment of Nonpriority Unsecured Claims
5.1 Nonpriority unsecured claims not separately classified.
Allowed nonpriority unsecured claims that are not separately classified will be paid, pro rata. If more than one option is checked, the option providing the largest payment will be effective. Check all that apply.
[ ] The sum of $
[X] 100.00 % of the total amount of these claims, an estimated payment of $ 21,451.80
[X] The funds remaining after disbursements have been made to all other creditors provided for in this plan.
If the estate of the debtor(s) were liquidated under chapter 7, nonpriority unsecured claims would be paid approximately $111,471.75 Regardless of the options checked above, payments on allowed nonpriority unsecured claims will be made in at least this amount.
5.2 Other separately classified nonpriority unsecured claims (special claimants). Check one.
Part 6: Executory Contracts and Unexpired Leases
6.1 The executory contracts and unexpired leases listed below are assumed and will be treated as specified. All other executory contracts and unexpired leases are rejected. Check one.
[X] None. If “None” is checked, the rest of § 6.1 need not be completed or reproduced.
Part 7: Vesting of Property of the Estate
7.1 Property of the estate will vest in the debtor(s) upon entry of discharge.
Part 8: Nonstandard Plan Provisions
8.1 Check “None” or List Nonstandard Plan Provisions
[ ] None. If “None” is checked, the rest of Part 8 need not be completed or reproduced.
Under Bankruptcy Rule 3015(c), nonstandard provisions must be set forth below. A nonstandard provision is a provision not otherwise included in the Official Form or deviating from it. Nonstandard provisions set out elsewhere in this plan are ineffective.
The following plan provisions will be effective only if there is a check in the box “Included” in § 1.3.
Absent an objection, any Proof of Claim filed by the IRS and/or MS Dept. of Revenue shall be paid pursuant to the claim.
***US Dept of HUD to be paid direct by debtor when it becomes due August 1, 2047.
Part 9: Signatures:
9.1 Signatures of Debtor(s) and Debtor(s)’ Attorney
The Debtor(s) and attorney for the Debtor(s), if any, must sign below. If the Debtor(s) do not have an attorney, the Debtor(s) must provide their complete address and telephone number.
X /s/ Curtis Lee White
Curtis Lee White
Signature of Debtor 1
Executed on July 21, 2025
1305 N 7th Ave
Address
Laurel MS 39440-0000
City, State, and Zip Code
Telephone Number
X
Signature of Debtor 2
Executed on
Address
City, State, and Zip Code
Telephone Number
X /s/ Thomas C. Rollins, Jr.
Thomas C. Rollins, Jr. 103469
Signature of Attorney for Debtor(s)
P.O. Box 13767
Jackson, MS 39236
Address, City, State, and Zip Code
601-500-5533
Telephone Number
trollins@therollinsfirm.com
Email Address
Date July 21, 2025
103469 MS
MS Bar Number
Mississippi Chapter 13 Plan Page 5