Navari File

MADISON POLICE DEPT
ARREST REPORT lncident:201e100s5s

lncident No.: 201 91 00555 ArrestDate/Time: 11lOSl2O1g 16:36
Arrestee Name (Last, First, Middle, Suffix)NAVARt,
RICHARD JOSE'H
ATTESIEE AddrESS: 262 FOREST LAKE DRIVE MADISON
MS 39110-OOOO
Sociat Security tto.:II! Driver,s Lic. (No., State, Typetll
Race: t
Sex: Eyes: Hair: Height: Weight: DOB: Age: Marks:
w M BRO BRO 600 2oo 10/09/1959 60
Arrestee No: 201 91 10020 Fingerprint Card No.:
Arrest Type: ON VIEW ARREST
Arrest Location: MAIN ST
Arresting Officer; COLELLA, WILLIAM JOSEPH
Miranda (Date, Time, place)
Miranda Officer:
TypeWeapon: UNARMED
Statute(LRS#):21-23-7 Offeffi
Location Type:
offense Date/Time, Locationr 1ot17t2o1g 13:s5 262 FOREST
LAKE DR MADtsoN RES
Property/Vehicle: N
Notes:
Report Made By:

Date: Time:
MADSION POLICE DEPARTMENT
Booking Sheet: MpD0000009920
II)Number:
Full Name :
Address:
DOB:
Race:
SU80000000g21
RJCHARD JOSEPH NAVARI
rr
262FOREST LAKE DR MADISON MS 39110-OOOO
Age Heighf 600
&
HO fMAGEAYAII.,ABIE
w Sex M Weight 200

Birth Place:
Booking Type: INTAKE

Booking Date : ltls/Z}l-9 4:40:30 pM
ReleaseDate: lll5l20lg 4:44:21pM
Booking Agency: MADISON POLICE DEPT
OF'FENSES
Descrption: CONTEMpT OF COURT
charge Category: MISD Sen BeginDate: 1/l/0001 sen EndDa tez llll000l
Arresting Agency:
VICTIM NOTIF'ICATIONS
fn""- f\avor_^ )*:ct_z_-,
Bondsman:
BOND PAYMENTS
Bond Type:
loR
Q@,
4,rs=
Bond Amount: 500.00 Amount paid:
DETAINERS
I HAVE READ THE ABOVE ACCOLINTING OF MY PROPERTY, MONEY AND

VALUABLES AND FIND IT TO BE ACCURATE. I ALSO LINDERSTAND
MY PHONE
CONVERSATIONS WILL BE MOMTORED FOR SECURITY REASONS.
Inmate's Signature Date -- Times
Witness Date _ Times
Booking Officer Date Times
1Ul9nHg 1:37:38 pM
CITATION SUMMONS cE- 0232
State of Mississippi ca'f-nuuarn4cltl/045f{
County of Madison DOCKFT NUMBER
City of Madison
IN THE COURT DESIGNATED BELOW, THE AFFIANT HEREIN, BEING
DUtY AT THT
FOLI.OWNG LOCATION, TIME AND DATT:
Defendant's Address
Defendant's DOB
Location of Offense
City State
Date of Offense of Offense
,rlyrylthe undersigned officer, who upon his oath stares that the defendant
WTata+-
on ot about the / 7 day of
' 204. within said jurisdiction, did willfully and unlawfully commit the offense marked
below in violation of the section of the city ofMadison code of Ordinances
as stated:
(All sections cited below r€fer to th€ lnte.nationrl Property ilaintenance code a5 adoFted by the city of Madison unless otherwlse noted.l
I Fairurero obrain propsp€rmit

{secrjon 1r2) f ,;;:;;,o*-"and rorTubs{senion 303)
n
LJ Sfructure Unsrfe or Unlit for Human Habitatio4 ! MotorVehicjes Traitersand OtherRecea0onalVehlcles
Use or ocflpation (Sedions 109,3061 {Section302.8}
LJ Unsanilery/Unsighrly Corditioos (section 302.1, I Overgrgwn 66ss, w€€ds, other Vegetation (secri6n 30t.4)
T-'l
lJ Stagnant water {S€ction 302.2) [ premises tdentification
iSecrioi j04.31
n tawn end Garden Equipm€rt (section 302.1) [ Acomulation of Rubbish 0r Garbege (Section 308]
I E{terjor property (secions 301,30t,304) [ pesr €tininarion

{S€crion309)
I A(cessorystructures I section 302.7] n
M*
&ceedingoccupan(ylse*ion 404)
' ,uf.at fgal v L vt

{Describe oflente and clty code and
e
EXPI.ANATIOII
AGATilSTTHE ptAcr Ailo Dtcilfry 0F TH€ oTy oF MADTSOU

IIIE SIATE OF MI556SIPPI,
st{orn before me thij the day ol
IUDGVCIfRK
COURTTEIEPHoI{E NUMBER: 501-707-t412

MAII.IIYG ADDRESS:
P.O. Bor 21189
Madison, MS 39il10
MISDEMEANOR
STATE OFMISSIS$PPI
CITYOFMADISON
MADISON MTINICIPAL COLIRT
Warrant: 0018228 Docket Nwnber: 20193630
To arryla\ ftIofficer:
This is to corrmand you to forthwithtake the body of

RICTIARD JOSEPHNAVART
Sex M Race: \ &IITE DOB: :lJ
SSN-I
olx,J; OLNstut"f
Incident No.:
and have him before the undersigned a h4ADISON MLTNICIPAL coIlRT
Judge of saicl ciry to arNwer
to the State ofMssissippi on a charge of
CONIEMPT OF CUITRT Offense Date: tt/S/ZA]D
Section: 2l-23-7 lWssissippi Arnotated, 1972
On the offerse(s) ofl Bond Anrount: 9,500.00
VIOLATION OF ZONINC ORDINANACE
Wihress nryhand this )

,--fi DayofNoverrber,Z0lg
Affiants:
2,2.-4.*
SON MUNICTPAL COTIK]] JUME
4'\-t',, tl SQdz,,-,.,
NarneofOfficer Serving Warrant, %
After diligent search and inquiry the within named inclividual cor.rlcl not be fbLurd-
This the _ Day of
Sigrature:
Other Dispositions
Comments:
TIris the Day of

Signatwe:
Agency: MPD lncident No:20i91005S5
Author: COLELLA, WILL|AM JOSEPH
Entered Date/Time: 11t}6t2}1g B:32
Repoft Type/Sequence: S 2
rifle: 6Q1;TEMPT OF COURT
on this date, November 5, 2o1g,l officer colella served
contempt of court 1g22g tor
Richard Navari' Mr' Navari weni before Judge Reeves
and was RoR,d and given a trial
date.
MADISON POLICE DEPT
BOOKING SHEET : MPD0000009920
Person lD: 201812O223

1l:::::'.:;=r-
Name: RICHARD JOSEPH NAVARI
Address:262 FOREST LAKE DR MADISON MS 39110-0000
,ffi
:,rd ::i
w
1=
NO IMAGE NO IMAGE
Phone Number: ,AVAILABLE A.VAIL,ASLE
Doe:ff lge:f Ethnicity: N
Race: WHITE Sex: M Appearance:

Height: 6'00" Weight:200 Build:
Eyes: BROWN Hair: BROWN Gomplexion: Place of Birth:

Resident: R Employer:
ssNtf OLN:J State lD: FBI ID:
'
3ooking Date: 111512019 Time: 16:40

3ooking Officer: WILLIAM JOSEPH COLELLA Category:
iearch Official: Subject Glass:
trojected Release Date: Classification:
looking Agency: MPD Housing Location: HOLDING CELL
Description Released Date
:a-t,;,,
,..
:, , 1= :t ..:t. ' , '., tttt.,'t':@
tSA Description Gourt Date Bond Amount Arresting Agency Arrrest Date
Court ls Bond Denied? Fine Amount
1-23-7 CONTEMPT OF COURT
MMC 111512019 4:30 PM 500.00 111512019
NO
1 l/5/2019 4:42:57 PtuI 1of2

MADISON M UNICIPAL COURT
P.O. BOX 2489
MAD|SON, MS 39130
601_707_1421
NAME
cnufl4l--rRrAL {a- {a,[q

PLEA NC- rME l.A)gtn
Krro*T N,MBER
(BETWEEN 8AM *spnnt
.,RRENTADDRE'' zg t #*16*L6
X ,,o*orr*,
IF A PUBLIC DEFENDER 15
NEEDED, MUST BE REQUESTED
3O DAYS PRIOR TO TRIAL DATE
?
fft
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ARRAIGNMENT
Docket Report For jVtr4D
IVLTNICIPAL coaRT
Judge: JaDGE pRO TEL|, November 0S,20tg
RICEARD NAVARI Division: ENV

262 FOREST LAKE DRIYE Gender: M
MaDISON, ivrs ssn 0_oooo
GBIENE, MICHAXL JARROD

Offense Code:ViOZON
Docket2Oi93630
Offense: VIOLATION OF ZONING Status:
Action: ARR
ORDINANACE Action Time:l3;30
Offense Date:10/17/2019 Speed_Limit/Clocked:
0/0 Fine:
Category: LOCAI ORDINANCE $100.00
WOTATION
Citation No.: 2019100555
Cost: $50.00
Judge Notes: $150.00
Notes:
Page:
IN THE MIINICJ"AL COIIRT AE THE CTIY AE MADISON. MTSSIS $PPI
DEFEfrfDAf.,{T'S ACKNOWL
I, RICHARDIOSEPH NAVARI
::i,El **rr
DOCTGTNO. 20193630
have been advised of constitutio:ra1.4t-Pg

appointed to represent1v 3qolruy, if I cannot afford an attomey, one will be
me for the offense'irrvrorerror.iiir
and write or have had this document read zoniNc onnnrrervlCE. I am able to read
to me. I have completed 1.J1nGER oF ALL years of
school and Ihave completed
charges against *u u''.d,Fl,i.it- nt *ry
--
found guilty a-fter a trial rn tlie Vfuniapi
"
a" t-p9"9.i u9 n"* ri;; ,**"o." phad gulry or be
Co*tii
an attomey' a right to con-front adversi witnesses,
tfr "r.o,iJl
CirI, JUf"Oi"on- t unaersmoa thar I have a right to
ang u;ght;o protection against self incrimination.
acknowledge that should I plead not guilty
my trial date is Novenrbel 0s, 20i9 at 1:30 pM
I
be in court with mv attorney udess r *ai.ie and that I must
td, ;ght d;pr*enting myself at trar. I acknowledge that
fail to appear for my trial, t-can be triedin my
absence ira'.".t"r.e imposed if I am found
if I
warrant will then be issued for my a::rest. guilty and a
This day of 2019.
-
DAYTIME PHONE DEFENDANT
MTINICIPAL COURTIUDGE
/ CLERK
Flaving been fully informed of my I do hereby

attomev onlv and I understand that"ights, \rowingly and voluntarily waive my right to an
* I entgl a guilti plea o" [i" uuJ"."#r;r.ii'];,]|, re used against me
:?"ffi5#fr?H;ltr##-T,fi;g]r."iGJti'a*",*'rrpr*a"Jffiili;:*i*ui,,"*y,igr,ti"",
This- day of 2019.
DEFENDANT
MLII{ICtrAL COURT CLERK

7 IUDG
ARRAIGNMENT
Docket Report For MADISON MUNICI?AL
COURT November 05,2019
fudge: JADGE pRO TEM, JOHN
Divkion: ENV
RICIIARDNAVARI
262 FOREST LAIG DRTYE Race: W Gender: M
MADTSON, MS 39110_0000
Related Parfy: OFF

Name: GREENE, MICHAEL JARROD
Offense Code:VIOZON Dockel20193630
Offense: Action:ARR Action Time:13:30
VIOLATION OF ZONING ORDINANACE
Offense D ate : I 0 / 17 /20 1 9 Speed-LimiVClocked: 0/0 Fine: $r00.00
Category: LOCAI ORDINANCEVIOLATION
Cost: $50.00
Citation No.: 2019100555
Total: $150.00
Judge Notes:
Notes:
Bfr in*n#
Page:
,f% 6 f!
cE- U'*#e
cff ATroN tu**roJrt*u
wan$l$!&$ {
*'
DOCKEI NUMBER
Detendan{s Address
Defendant s DoB
Location of 0ffense
ct\--4#:itG-4r$eorof ense - -J=::;
or oflrense
orrr rrf,I";@e
o"n *u
on or about the -iE* offense markec
. .:--^.,^rncpr.whOup'nhisoathstate':T::T,fi::f[i#ff::|,llit the
ffi
n
nv
FailuretoobtainProPerPermit
skurture unsare
or unrrt ror H^unan
"u'il"'o'*""' p"t t:t:,::"r,rr.r,
-i#!ffi*{:i':il}'}ffi ::::",'x-
Habitation'
n
H:;:tl;;f'"'n"
tnd other Recreatlonal
otherveseta$on
vehlcles
(sedion3.2 4)
n over'rown Grass'weeds'
n uf,santary/UnsishtlYconditions[section302'11 : 'i:
(seitigrmeO
Premises ldefltili{ation
(seciion 302'2) I
il sbgnant weter
Garbage isection
308)
oi Subbish or
301 1)
t Accumulation
Gardln Equipmenttset$on
U lawn anrt
-' n PgtEllminationlsedlonlog)
€rreriorproperry(section'1fr's02'304)
1 [ ;*r,._*rrrrr,r,secrion404)
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Sworn before
me this tht
tuDGE/o.tR(
'ffi:[lHil'j'fi1'l;]'fi{il'n,'no''o*'0"""0'
NUMBERI 601.707-1412
COURTTELEPTIONE
MAITING AODRESS:
Bor 2489
P,O.
Madison, MS 39130
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Cod e E nf o rce rn e nt,O;iVi$
'
1004 Madison Av,6,,
Madison, Mississippi 3911
TO:
PROPERTY
DArE:- p-/71f
Madison the City has adopted the lnternational Property Maintenance Code to preserve
property values and to help maintain safe and attractive neighborhoods. We need your
cooperation.
Upon inspecting your property, code officials have found the following violations:
The following corrective action(sl is/are required:
Failure to comptyav /C -/ -/,f ,could result in prosecution in Madison EnvironmentalCourt. lf

you have questions, call {601}856-7tL6.
Ihank you,. //8fu-44 &a;it-t-frlA

fu**g* Ua/f ftP= rrra*-
u,{'44/n
Miriam Ethridge, Code Official
/flfulL-fl*uef
fr /C-rt-//
MADISON POLICE DEPT Pegc: 1
oRl#: tS0450il{10 INCIDENT REPORT

lllGlDEllT#: 2019{01t555 DATE OF lNclDElfT: 10117119 nflE oF lflclDEiln lS:55
IIIGIDENTTYPE (SlGl{AL): 846 CITY ORDINANGE UOLA clD BrEt{T lD: 201 9t 00555
ASenry MPD llncHentNo:2019100555 Da1" Entersd:lqn7nyg Sequenca: 1
Authon GREENE, MICHAEL JARROD Title: REPORT AND CITATION

On October 17,2019, l, Officer Greene, drove by 262 Forest Lake Drive, which is located in the
city limits of Madison, and observed a RV (campertrailer) parked in the driveway.
On September 17 ,2019, Ethridge sent Richard and Pamela Navari, the property owners of 262
Forest Lake Drive, a letter stating there in violation of the Cfty of Madison Zoning Ordinance. The
following conective actions afle required to get in compliance; your property is not zoned for
camper frailer lMng, please move to a proper facility. Ethridge gave the Navaris' until October lst to
get in compliance. this leter has been placed in the case file.
On October 17,2019, lspoke with Kianca Stringfellow (City of Madison Zoning Office) who advised
that the Navaris are in yiolation of the zoning ordinance. I then net Richard Joseph Navari
identified by MSOLNf;qFurtro stated their house bumed due to an electrical box explosion
and that is why they were living in a camper parked in their driveway. Navari also stated that he had
a temporary power pole put up in the front of the lot that is powering the camper, along with the
camper septic system being tied into a sewer cut in at the back of his property nextto the AC units.
Navari then stated that the camper restroom is used as an emergency. Pictures of the camper
were taken from the road of it being parked in the driveway and have been placed in the case file. I
advised Navari that it was in violation of the City of Madison Zoning Ordinance and issued him one
citation# CE-0232. Navari's court date was set for November the 5th at 1:30 PM. Navari signed the
bottom of the citation saying that he would be in court on the above stated date and time.
End of Report
M. Grcene #U7
Case 09-10099-SSM Doc 37 Filed 04/13/09 Entered 04/13/09 15:55:56 Desc Main
Document Page 1 of 5
IN THE UNITED STATES BANKRUPTCY COURT

FOR THE EASTERN DISTRICT OF VIRGINIA
Alexandria Division
In re: )
) Case No. 09-10099-SSM
PAMELA ANN NAVARI, )
) Chapter 7
Debtor. )
)
)
DEWI R. HELMICK, )
)
Plaintiff )
)
v. ) Adversary No.
)
PAMELA ANN NAVARI, )
)
Defendant. )
)
COMPLAINT TO DETERMINE DISCHARGEABILITY
Plaintiff Dewi Helmick, by her undersigned counsel brings this proceeding against
Defendant Pamela Ann Navari, debtor herein, to determine the dischargeability of a debt that
Debtor owes Plaintiff and for her complaint in this proceeding alleges as follows:
1. This Court has jurisdiction over this proceeding under 28 U.S.C. § 157(b) and 28
U.S.C. § 1334, and this is a core matter under 28 U.S.C. § 157(b)(2)(I).
2. The bankruptcy case in which this proceeding arises is that of Pamela Ann
Navari and Richard Joseph Navari, against whom an order for relief was entered under Chapter 7
of the Bankruptcy Code on January 7, 2009 in Case No. 09-10099-SSM in this Court.
Ernest P. Francis, Esq.

VSB #27276
ERNEST P. FRANCIS, LTD.
1655 North Fort Myer Drive
Suite 700
Arlington, VA 22209
(703) 683-5696
Fax (703) 683-2785
E-mail [email protected]
3. Plaintiff Dewi Helmick is the wife of the late Charles C. Helmick, Jr., who died
intestate on or about October 29, 2006.
4. At the time of his death, Charles C. Helmick, Jr. was a resident of Randolph
County, West Virginia, where his real and personal property were located.
5. On or about November 17, 2006, Debtor Pamela Navari was appointed
administratrix of the estate of Charles C. Helmick, Jr. by the Clerk of the Randolph County
Commission, and in such capacity she has the ability to withdraw funds from the bank account of
the estate.
6. Debtor Pamela Navari filed an appraisement of the estate of Charles C. Helmick,
Jr., with the Randolph County Commission on or about May 9, 2007.
7. In the period since May 9, 2007, Debtor has (as shown on the Schedule F that she
filed in this case) withdrawn $150,000 from the bank account for the estate of Charles C.
Helmick, Jr. for what are termed “advances”.
8. Under the intestacy laws of West Virginia, Plaintiff is entitled to receive half of
the estate of Charles Helmick as his surviving spouse.
9. Plaintiff has been added to the matrix of creditors for this case by Debtor, and is a
creditor of Debtor for the funds that Debtor appropriated from the estate of Charles C. Helmick,
Jr., as further alleged herein.
-2-
COUNT I
Defalcation as a Fiduciary
10. Plaintiff incorporates herein by reference the allegations of the preceding
paragraphs 1 through 9 as if those allegations were fully set forth herein.
11. Debtor, by virtue of her capacity as administratrix of the estate of Charles
Hemick, has appropriated $150,000 of funds of the estate by withdrawing the same from the
bank account of the estate.
12. Debtor is unable to account for the funds that she has appropriated from the
estate.
13. Debtor owes Plaintiff a debt of $150,000, and the same is nondischargeable under
section 523(a)(4) of the Bankruptcy Code.
COUNT II
Embezzlement
paragraphs 1 through 13 as if those allegations were fully set forth herein
15. Debtor’s appropriation of the funds of the estate of Charles C. Helmick, Jr. was
for her personal benefit and depleted those funds from the estate and therefore deprived Plaintiff
of those funds.
16. In appropriating the funds of the estate of Charles C. Helmick, Jr. for her personal
benefit, Debtor acted with the intent to convert those funds for her benefit and without disclosing
her appropriation of those funds to Plaintiff.
17. Debtor has refused to provide information to Plaintiff concerning the funds that
Debtor withdrew from the account of the estate of Charles C. Helmick, Jr.
-3-
COUNT III
Conversion
paragraphs 1 through 17 as if those allegations were fully set forth herein.
19. Debtor has caused Plaintiff an injury through the deprivation of funds that
Plaintiff would have received from the estate of Charles C. Helmick, Jr. if Debtor had not
deprived Plaintiff of those funds.
20. In converting the funds of the estate of Charles C. Helmick, Jr., Debtor acted
intentionally, and her action was substantially certain to result in injury to Plaintiff.
21. In the alternative to the allegations of the preceding paragraph 20, Debtor acted
intentionally in converting the funds of the estate of Charles C. Helmick, Jr. and did so with the
motive of causing harm to Plaintiff by depriving her of funds of the estate.
22. In converting the funds of the estate of Charles C. Helmick, Jr., Debtor acted
deliberately and in knowing disregard of the rights of Plaintiff.
23. Debtor’s conversion of the funds of the estate of Charles C. Helmick, Jr. was
without just cause or excuse.
24. Debtor owes Plaintiff a debt of $150,000, and the same is nondischargeable under
section 523(a)(6) of the Bankruptcy Code.
-4-
B1 (Official Form 1)(1/08)
United States Bankruptcy Court
Eastern District of Virginia Voluntary Petition
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Name of Debtor (if individual, enter Last, First, Middle): Name of Joint Debtor (Spouse) (Last, First, Middle):
Navari, Richard Joseph Navari, Pamela Ann
All Other Names used by the Debtor in the last 8 years All Other Names used by the Joint Debtor in the last 8 years
(include married, maiden, and trade names): (include married, maiden, and trade names):
Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN Last four digits of Soc. Sec. or Individual-Taxpayer I.D. (ITIN) No./Complete EIN
(if more than one, state all) (if more than one, state all)
xxx-xx-7782 xxx-xx-1388
Street Address of Debtor (No. and Street, City, and State): Street Address of Joint Debtor (No. and Street, City, and State):
15110 Riding Club Dr. 15110 Riding Club Dr.
Haymarket, VA Haymarket, VA
ZIP Code ZIP Code
20169 20169
County of Residence or of the Principal Place of Business: County of Residence or of the Principal Place of Business:
Prince William Prince William
Mailing Address of Debtor (if different from street address): Mailing Address of Joint Debtor (if different from street address):
ZIP Code ZIP Code
Location of Principal Assets of Business Debtor

(if different from street address above):
Type of Debtor Nature of Business Chapter of Bankruptcy Code Under Which

(Form of Organization) (Check one box) the Petition is Filed (Check one box)
(Check one box) Health Care Business Chapter 7
Single Asset Real Estate as defined Chapter 9 Chapter 15 Petition for Recognition
Individual (includes Joint Debtors) in 11 U.S.C. § 101 (51B) of a Foreign Main Proceeding
See Exhibit D on page 2 of this form. Chapter 11
Railroad
Chapter 12 Chapter 15 Petition for Recognition
Corporation (includes LLC and LLP) Stockbroker
Chapter 13 of a Foreign Nonmain Proceeding
Commodity Broker
Partnership
Clearing Bank
Other (If debtor is not one of the above entities, Other Nature of Debts
check this box and state type of entity below.) (Check one box)
Tax-Exempt Entity
(Check box, if applicable) Debts are primarily consumer debts, Debts are primarily
Debtor is a tax-exempt organization defined in 11 U.S.C. § 101(8) as business debts.
under Title 26 of the United States "incurred by an individual primarily for
Code (the Internal Revenue Code). a personal, family, or household purpose."
Filing Fee (Check one box) Check one box: Chapter 11 Debtors
Full Filing Fee attached Debtor is a small business debtor as defined in 11 U.S.C. § 101(51D).
Debtor is not a small business debtor as defined in 11 U.S.C. § 101(51D).
Filing Fee to be paid in installments (applicable to individuals only). Must Check if:
attach signed application for the court's consideration certifying that the debtor
is unable to pay fee except in installments. Rule 1006(b). See Official Form 3A. Debtor’s aggregate noncontingent liquidated debts (excluding debts owed
to insiders or affiliates) are less than $2,190,000.
Filing Fee waiver requested (applicable to chapter 7 individuals only). Must Check all applicable boxes:
attach signed application for the court's consideration. See Official Form 3B. A plan is being filed with this petition.
Acceptances of the plan were solicited prepetition from one or more
classes of creditors, in accordance with 11 U.S.C. § 1126(b).
Statistical/Administrative Information THIS SPACE IS FOR COURT USE ONLY
Debtor estimates that funds will be available for distribution to unsecured creditors.
Debtor estimates that, after any exempt property is excluded and administrative expenses paid,
there will be no funds available for distribution to unsecured creditors.
Estimated Number of Creditors
1- 50- 100- 200- 1,000- 5,001- 10,001- 25,001- 50,001- OVER

49 99 199 999 5,000 10,000 25,000 50,000 100,000 100,000
Estimated Assets
$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than
$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion
million million million million million
Estimated Liabilities
$0 to $50,001 to $100,001 to $500,001 $1,000,001 $10,000,001 $50,000,001 $100,000,001 $500,000,001 More than
$50,000 $100,000 $500,000 to $1 to $10 to $50 to $100 to $500 to $1 billion $1 billion
million million million million million
Document Page 2 of 16 Page 2
Name of Debtor(s):
Voluntary Petition Navari, Richard Joseph
(This page must be completed and filed in every case) Navari, Pamela Ann
All Prior Bankruptcy Cases Filed Within Last 8 Years (If more than two, attach additional sheet)
Location Case Number: Date Filed:
Where Filed: - None -
Location Case Number: Date Filed:
Where Filed:
Pending Bankruptcy Case Filed by any Spouse, Partner, or Affiliate of this Debtor (If more than one, attach additional sheet)
Name of Debtor: Case Number: Date Filed:
- None -
District: Relationship: Judge:
Exhibit A Exhibit B
(To be completed if debtor is an individual whose debts are primarily consumer debts.)
(To be completed if debtor is required to file periodic reports (e.g., I, the attorney for the petitioner named in the foregoing petition, declare that I
forms 10K and 10Q) with the Securities and Exchange Commission have informed the petitioner that [he or she] may proceed under chapter 7, 11,
pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 12, or 13 of title 11, United States Code, and have explained the relief available
and is requesting relief under chapter 11.) under each such chapter. I further certify that I delivered to the debtor the notice
required by 11 U.S.C. §342(b).
Exhibit A is attached and made a part of this petition. X

Signature of Attorney for Debtor(s) (Date)
Exhibit C
Does the debtor own or have possession of any property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety?
Yes, and Exhibit C is attached and made a part of this petition.
No.
Exhibit D
(To be completed by every individual debtor. If a joint petition is filed, each spouse must complete and attach a separate Exhibit D.)
Exhibit D completed and signed by the debtor is attached and made a part of this petition.
If this is a joint petition:
Exhibit D also completed and signed by the joint debtor is attached and made a part of this petition.
Information Regarding the Debtor - Venue

(Check any applicable box)
Debtor has been domiciled or has had a residence, principal place of business, or principal assets in this District for 180
days immediately preceding the date of this petition or for a longer part of such 180 days than in any other District.
There is a bankruptcy case concerning debtor's affiliate, general partner, or partnership pending in this District.
Debtor is a debtor in a foreign proceeding and has its principal place of business or principal assets in the United States in
this District, or has no principal place of business or assets in the United States but is a defendant in an action or
proceeding [in a federal or state court] in this District, or the interests of the parties will be served in regard to the relief
sought in this District.
Certification by a Debtor Who Resides as a Tenant of Residential Property
(Check all applicable boxes)
Landlord has a judgment against the debtor for possession of debtor's residence. (If box checked, complete the following.)
(Name of landlord that obtained judgment)
(Address of landlord)
Debtor claims that under applicable nonbankruptcy law, there are circumstances under which the debtor would be permitted to cure
the entire monetary default that gave rise to the judgment for possession, after the judgment for possession was entered, and
Debtor has included in this petition the deposit with the court of any rent that would become due during the 30-day period
after the filing of the petition.
Debtor certifies that he/she has served the Landlord with this certification. (11 U.S.C. § 362(l)).
Document Page 3 of 16 Page 3
Name of Debtor(s):
Voluntary Petition Navari, Richard Joseph
(This page must be completed and filed in every case) Navari, Pamela Ann
Signatures
Signature(s) of Debtor(s) (Individual/Joint) Signature of a Foreign Representative
I declare under penalty of perjury that the information provided in this I declare under penalty of perjury that the information provided in this petition
petition is true and correct. is true and correct, that I am the foreign representative of a debtor in a foreign
[If petitioner is an individual whose debts are primarily consumer debts and proceeding, and that I am authorized to file this petition.
has chosen to file under chapter 7] I am aware that I may proceed under
(Check only one box.)
chapter 7, 11, 12, or 13 of title 11, United States Code, understand the relief
available under each such chapter, and choose to proceed under chapter 7. I request relief in accordance with chapter 15 of title 11. United States Code.
[If no attorney represents me and no bankruptcy petition preparer signs the Certified copies of the documents required by 11 U.S.C. §1515 are attached.
petition] I have obtained and read the notice required by 11 U.S.C. §342(b).
Pursuant to 11 U.S.C. §1511, I request relief in accordance with the chapter
I request relief in accordance with the chapter of title 11, United States Code, of title 11 specified in this petition. A certified copy of the order granting
specified in this petition. recognition of the foreign main proceeding is attached.
/s/ Richard Joseph Navari X

X Signature of Foreign Representative
Signature of Debtor Richard Joseph Navari
X /s/ Pamela Ann Navari Printed Name of Foreign Representative

Signature of Joint Debtor Pamela Ann Navari
Date
Telephone Number (If not represented by attorney) Signature of Non-Attorney Bankruptcy Petition Preparer
January 7, 2009
I declare under penalty of perjury that: (1) I am a bankruptcy petition
Date preparer as defined in 11 U.S.C. § 110; (2) I prepared this document for
compensation and have provided the debtor with a copy of this document
Signature of Attorney* and the notices and information required under 11 U.S.C. §§ 110(b),
110(h), and 342(b); and, (3) if rules or guidelines have been promulgated
pursuant to 11 U.S.C. § 110(h) setting a maximum fee for services
X /s/ Steven B. Ramsdell, VA Bar
chargeable by bankruptcy petition preparers, I have given the debtor notice
Signature of Attorney for Debtor(s) of the maximum amount before preparing any document for filing for a
Steven B. Ramsdell, VA Bar #33222 debtor or accepting any fee from the debtor, as required in that section.
Official Form 19 is attached.
Printed Name of Attorney for Debtor(s)
Tyler, Bartl, Ramsdell & Counts, PLC
Printed Name and title, if any, of Bankruptcy Petition Preparer
Firm Name
700 S. Washington St.
Suite 216 Social-Security number (If the bankrutpcy petition preparer is not
Alexandria, VA 22314 an individual, state the Social Security number of the officer,
principal, responsible person or partner of the bankruptcy petition
Address preparer.)(Required by 11 U.S.C. § 110.)
(703) 549-5000 Fax: (703) 549-5011

Telephone Number
January 7, 2009
Address
Date
*In a case in which § 707(b)(4)(D) applies, this signature also constitutes a
certification that the attorney has no knowledge after an inquiry that the X
information in the schedules is incorrect.
Date
Signature of Debtor (Corporation/Partnership)
Signature of Bankruptcy Petition Preparer or officer, principal, responsible
I declare under penalty of perjury that the information provided in this person,or partner whose Social Security number is provided above.
petition is true and correct, and that I have been authorized to file this petition
on behalf of the debtor. Names and Social-Security numbers of all other individuals who prepared or
assisted in preparing this document unless the bankruptcy petition preparer is
The debtor requests relief in accordance with the chapter of title 11, United not an individual:
States Code, specified in this petition.
X
Signature of Authorized Individual
If more than one person prepared this document, attach additional sheets
conforming to the appropriate official form for each person.
Printed Name of Authorized Individual
A bankruptcy petition preparer’s failure to comply with the provisions of
title 11 and the Federal Rules of Bankruptcy Procedure may result in
Title of Authorized Individual fines or imprisonment or both 11 U.S.C. §110; 18 U.S.C. §156.
Date
B 1D(Official Form 1, Exhibit D) (12/08)

Eastern District of Virginia
Richard Joseph Navari
In re Pamela Ann Navari Case No.
Debtor(s) Chapter 7
EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT
Warning: You must be able to check truthfully one of the five statements regarding credit
counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court
can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your
creditors will be able to resume collection activities against you. If your case is dismissed and you file
another bankruptcy case later, you may be required to pay a second filing fee and you may have to take
extra steps to stop creditors' collection activities.
Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete
and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.
1. Within the 180 days before the filing of my bankruptcy case, I received a briefing from a credit
counseling agency approved by the United States trustee or bankruptcy administrator that outlined the
opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have
a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy
of any debt repayment plan developed through the agency.
opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do
not have a certificate from the agency describing the services provided to me. You must file a copy of a
certificate from the agency describing the services provided to you and a copy of any debt repayment plan
developed through the agency no later than 15 days after your bankruptcy case is filed.
3. I certify that I requested credit counseling services from an approved agency but was unable to
obtain the services during the five days from the time I made my request, and the following exigent
circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case
now. [Summarize exigent circumstances here.]
If your certification is satisfactory to the court, you must still obtain the credit counseling briefing
within the first 30 days after you file your bankruptcy petition and promptly file a certificate from the
agency that provided the counseling, together with a copy of any debt management plan developed
through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any
extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days.
Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy
case without first receiving a credit counseling briefing.
Software Copyright (c) 1996-2008 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
B 1D(Official Form 1, Exhibit D) (12/08) - Cont.
4. I am not required to receive a credit counseling briefing because of: [Check the applicable
statement.] [Must be accompanied by a motion for determination by the court.]
Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or
mental deficiency so as to be incapable of realizing and making rational decisions with respect to
financial responsibilities.);
Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being
unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or
through the Internet.);
Active military duty in a military combat zone.
5. The United States trustee or bankruptcy administrator has determined that the credit counseling
requirement of 11 U.S.C. § 109(h) does not apply in this district.
I certify under penalty of perjury that the information provided above is true and correct.
Signature of Debtor: /s/ Richard Joseph Navari

Date: January 7, 2009
B 1D(Official Form 1, Exhibit D) (12/08)

In re Pamela Ann Navari Case No.
Debtor(s) Chapter 7
EXHIBIT D - INDIVIDUAL DEBTOR'S STATEMENT OF COMPLIANCE WITH

CREDIT COUNSELING REQUIREMENT
Warning: You must be able to check truthfully one of the five statements regarding credit
counseling listed below. If you cannot do so, you are not eligible to file a bankruptcy case, and the court
can dismiss any case you do file. If that happens, you will lose whatever filing fee you paid, and your
creditors will be able to resume collection activities against you. If your case is dismissed and you file
another bankruptcy case later, you may be required to pay a second filing fee and you may have to take
extra steps to stop creditors' collection activities.
Every individual debtor must file this Exhibit D. If a joint petition is filed, each spouse must complete
and file a separate Exhibit D. Check one of the five statements below and attach any documents as directed.
opportunities for available credit counseling and assisted me in performing a related budget analysis, and I have
a certificate from the agency describing the services provided to me. Attach a copy of the certificate and a copy
of any debt repayment plan developed through the agency.
opportunities for available credit counseling and assisted me in performing a related budget analysis, but I do
not have a certificate from the agency describing the services provided to me. You must file a copy of a
certificate from the agency describing the services provided to you and a copy of any debt repayment plan
developed through the agency no later than 15 days after your bankruptcy case is filed.
3. I certify that I requested credit counseling services from an approved agency but was unable to
obtain the services during the five days from the time I made my request, and the following exigent
circumstances merit a temporary waiver of the credit counseling requirement so I can file my bankruptcy case
now. [Summarize exigent circumstances here.]
If your certification is satisfactory to the court, you must still obtain the credit counseling briefing
within the first 30 days after you file your bankruptcy petition and promptly file a certificate from the
agency that provided the counseling, together with a copy of any debt management plan developed
through the agency. Failure to fulfill these requirements may result in dismissal of your case. Any
extension of the 30-day deadline can be granted only for cause and is limited to a maximum of 15 days.
Your case may also be dismissed if the court is not satisfied with your reasons for filing your bankruptcy
case without first receiving a credit counseling briefing.
B 1D(Official Form 1, Exhibit D) (12/08) - Cont.
4. I am not required to receive a credit counseling briefing because of: [Check the applicable
statement.] [Must be accompanied by a motion for determination by the court.]
Incapacity. (Defined in 11 U.S.C. § 109(h)(4) as impaired by reason of mental illness or
mental deficiency so as to be incapable of realizing and making rational decisions with respect to
financial responsibilities.);
Disability. (Defined in 11 U.S.C. § 109(h)(4) as physically impaired to the extent of being
unable, after reasonable effort, to participate in a credit counseling briefing in person, by telephone, or
through the Internet.);
Active military duty in a military combat zone.
5. The United States trustee or bankruptcy administrator has determined that the credit counseling
requirement of 11 U.S.C. § 109(h) does not apply in this district.
I certify under penalty of perjury that the information provided above is true and correct.
Signature of Debtor: /s/ Pamela Ann Navari

Pamela Ann Navari
Date: January 7, 2009
B 201 (12/08)
UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA
NOTICE TO CONSUMER DEBTOR(S) UNDER § 342(b)

OF THE BANKRUPTCY CODE
In accordance with § 342(b) of the Bankruptcy Code, this notice to individuals with primarily consumer debts: (1) Describes
briefly the services available from credit counseling services; (2) Describes briefly the purposes, benefits and costs of the four types of
bankruptcy proceedings you may commence; and (3) Informs you about bankruptcy crimes and notifies you that the Attorney General
may examine all information you supply in connection with a bankruptcy case.
You are cautioned that bankruptcy law is complicated and not easily described. Thus, you may wish to seek the advice of an
attorney to learn of your rights and responsibilities should you decide to file a petition. Court employees cannot give you legal advice.
Notices from the bankruptcy court are sent to the mailing address you list on your bankruptcy petition. In order to ensure that
you receive information about events concerning your case, Bankruptcy Rule 4002 requires that you notify the court of any changes in
your address. If you are filing a joint case (a single bankruptcy case for two individuals married to each other), and each spouse lists
the same mailing address on the bankruptcy petition, you and your spouse will generally receive a single copy of each notice mailed
from the bankruptcy court in a jointly-addressed envelope, unless you file a statement with the court requesting that each spouse
receive a separate copy of all notices.
1. Services Available from Credit Counseling Agencies

With limited exceptions, § 109(h) of the Bankruptcy Code requires that all individual debtors who file for bankruptcy
relief on or after October 17, 2005, receive a briefing that outlines the available opportunities for credit counseling and
provides assistance in performing a budget analysis. The briefing must be given within 180 days before the bankruptcy filing. The
briefing may be provided individually or in a group (including briefings conducted by telephone or on the Internet) and must be
provided by a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator. The
clerk of the bankruptcy court has a list that you may consult of the approved budget and credit counseling agencies. Each debtor in a
joint case must complete the briefing.
In addition, after filing a bankruptcy case, an individual debtor generally must complete a financial management
instructional course before he or she can receive a discharge. The clerk also has a list of approved financial management
instructional courses. Each debtor in a joint case must complete the course.
2. The Four Chapters of the Bankruptcy Code Available to Individual Consumer Debtors
Chapter 7: Liquidation ($245 filing fee, $39 administrative fee, $15 trustee surcharge: Total Fee $299)
1. Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors
whose debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to
proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases,
creditors have the right to file a motion requesting that the court dismiss your case under § 707(b) of the Code. It is up to the court to
decide whether the case should be dismissed.
2. Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to
take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.
3. The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have
committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the
purpose for which you filed the bankruptcy petition will be defeated.
4. Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still
be responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property
settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed
in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while
intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from
a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged.
Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income ($235 filing fee,
$39 administrative fee: Total fee $274)
1. Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments
B 201 (12/08) Page 2
over a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the
Bankruptcy Code.
2. Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them,
using your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your
income and other factors. The court must approve your plan before it can take effect.
3. After completing the payments under your plan, your debts are generally discharged except for domestic support
obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly
listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations.
Chapter 11: Reorganization ($1000 filing fee, $39 administrative fee: Total fee $1039)
Chapter 11 is designed for the reorganization of a business but is also available to consumer debtors. Its provisions are quite
complicated, and any decision by an individual to file a chapter 11 petition should be reviewed with an attorney.
Chapter 12: Family Farmer or Fisherman ($200 filing fee, $39 administrative fee: Total fee $239)
Chapter 12 is designed to permit family farmers and fishermen to repay their debts over a period of time from future earnings
and is similar to chapter 13. The eligibility requirements are restrictive, limiting its use to those whose income arises primarily from a
family-owned farm or commercial fishing operation.
3. Bankruptcy Crimes and Availability of Bankruptcy Papers to Law Enforcement Officials

A person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury, either
orally or in writing, in connection with a bankruptcy case is subject to a fine, imprisonment, or both. All information supplied by a
debtor in connection with a bankruptcy case is subject to examination by the Attorney General acting through the Office of the United
States Trustee, the Office of the United States Attorney, and other components and employees of the Department of Justice.
WARNING: Section 521(a)(1) of the Bankruptcy Code requires that you promptly file detailed information regarding your creditors,
assets, liabilities, income, expenses and general financial condition. Your bankruptcy case may be dismissed if this information is not
filed with the court within the time deadlines set by the Bankruptcy Code, the Bankruptcy Rules, and the local rules of the court.
Certificate of Attorney
I hereby certify that I delivered to the debtor this notice required by § 342(b) of the Bankruptcy Code.
Steven B. Ramsdell, VA Bar #33222 X /s/ Steven B. Ramsdell, VA Bar January 7, 2009
Printed Name of Attorney Signature of Attorney Date
Address:
700 S. Washington St.
Suite 216
Alexandria, VA 22314
(703) 549-5000
Certificate of Debtor
I (We), the debtor(s), affirm that I (we) have received and read this notice.
Pamela Ann Navari X /s/ Richard Joseph Navari January 7, 2009
Printed Name(s) of Debtor(s) Signature of Debtor Date
Case No. (if known) X /s/ Pamela Ann Navari January 7, 2009
Signature of Joint Debtor (if any) Date
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In re Richard Joseph Navari, Case No.
Pamela Ann Navari
,
Debtors Chapter 7
DECLARATION OF DIVISIONAL VENUE
The debtor's domicile, residence, principal place of business or principal assets were located for the greater part of the 180 days
preceding the filing of the bankruptcy petition in the indicated city or county [check one box only]:
Alexandria Division Richmond Division Norfolk Division Newport News Division

Cities: Cities: Cities: Cities:
Alexandria-510 Richmond (city)-760 Norfolk-710 Newport News-700
Fairfax-600 Colonial Heights-570 Cape Charles-535 Hampton-650
Falls Church-610 Emporia-595 Chesapeake-550 Poquoson-735
Manassas-683 Fredericksburg-630 Franklin-620 Williamsburg-830
Manassas Park-685 Hopewell-670 Portsmouth-740 Counties:
Counties: Petersburg-730 Suffolk-800 Gloucester-073
Arlington-013 Counties: Virginia Beach-810 James City-095
Fairfax-059 Amelia-007 Counties: Mathews-115
Fauquier-061 Brunswick-025 Accomack-001 York-199
Loudoun-107 Caroline-033 Isle of Wight-093
Prince William-153 Charles City-036 Northampton-131
Stafford-179 Chesterfield-041 Southampton-175
Dinwiddie-053
Essex-057
Goochland-075
Greensville-081
Hanover-085
Henrico-087
King and Queen-097
King George-099
King William-101
Lancaster-103
Lunenburg-111
Mecklenburg-117
Middlesex-119
New Kent-127
Northumberland-133 January 7, 2009
Nottoway-135
Date:__________________________
Powhatan-145
Prince Edward-147
Prince George-149 /s/ Steven B. Ramsdell, VA Bar
Richmond (county)-159
_______________________________________
Spotsylvania-177
Signature of Attorney
Steven B. Ramsdell, VA Bar #33222
Surry-181
Sussex-183
Westmoreland-193
There is a bankruptcy case concerning debtor's affiliate,
general partner, or partnership pending in this Division.
Ver. 8/22/00
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11725 Lee Highway, LLC

1215 N. Fort Myer Dr., #101
Arlington, VA 22209
American Collection Systems

P.O. Box 29117
Columbus, OH 43229
Bank of America
P.O. Box 15026
Wilmington, DE 19850-5026
Bank of America
P.O. Box 15027
Brian and Monica Borga

4527 Forest Dr.
Fairfax, VA 22030
Bull Run Plaza, LLC

c/o Rappaport Management Co.
8405 Greensboro Dr., Suite 830
McLean, VA 22102
CAR Braemar Village, LLC

P.O. Box 643787
Pittsburgh, PA 15264-3787
Chevy Chase Bank

Card Services
P.O. Box 15049
Citi Cards
P.O. Box 6500
Sioux Falls, SD 57117
Consumer Loan Client Services

P.O. Box 85160
Richmond, VA 23285-5160
Courtesy Electric
c/o Jose Carrasquillo
8491 Stonewall Rd.
Manassas, VA 20110
Craig J. Franco, Esq.

Odin, Feldman & Pittleman, PC
9302 Lee Hwy., Suite 1100
Fairfax, VA 22031
David Colletto
2817 Jermantown Rd.
Oakton, VA 22124
David V. Fontana, Esq.

Gebhardt & Smith, LLP
Ste. 2200, One South Street
Baltimore, MD 21202-3281
Discover Card
P.O. Box 30943
Salt Lake City, UT 84130
Donnelly Concrete, Inc.

92 Le Way Dr.
Fredericksburg, VA 22406
Enviro-Tech Pest Services

201 E. Potomac St.
Brunswick, MD 21716
Exxon Mobil
P.O. Box 688940
Des Moines, IA 50368-8940
First USA
P.O. Box 15548
GE Money Bank
P.O. Box 981438
El Paso, TX 79998-1438
GMAC
P.O. Box 380901
Minneapolis, MN 55438-0901
Hall, Sickels, Frei & Mimms

12120 Sunset Hills Rd.
Suite 150
Reston, VA 20190
Health Club Tudors

Attn: Rick Quinn
298 Kitts Dr.
Waterford, OH 45786
Homecomings Financial
Customer Service
P.O. Box 205
Waterloo, IA 50704
James R. Hart, Esq.

Hart & Horan, P.C.
10505 Judicial Dr., Suite 101
Fairfax, VA 22030
JC Penney
P.O. Box 981131
El Paso, TX 79998
Joseph F. Curran, Esq.

Curran & Whittington, PLLC
15100 Washington St., #201
Haymarket, VA 20169
Macro Lease
One West Ames Ct., Suite 101
Plainview, NY 11803
Macy's
P.O. Box 183083
Columbus, OH 43218-3083
Marc A. Busman, Esq.

Busman & Busman
P.O. Box 7514
Fairfax Station, VA 22039
Mitchell B. Weitzman, Esq.

Bean, Kinney & Korman, P.C.
2300 Wilson Blvd., 7th floor
Arlington, VA 22201
National City
P.O. Box 856153
Louisville, KY 40285
National City Health

Care Finance
995 Dalton Ave.
Cincinnati, OH 45203
Nationwide Credit, Inc.

3600 E. University Dr.
Suite B1350
Phoenix, AZ 85034-7296
Nordstrom
P.O. Box 13589
Scottsdale, AZ 85267
PNC Bank
Attn: Robert Patterson, VP
1824 George Ave.
Annapolis, MD 21401
PNC Bank
P.O. Box 747032
Pool Cover Services, Inc.

c/o Ron Grimm, Owner
320 Adam Rd.
Frederick, MD 21701
Richmond Group, Inc.

Joshua W. Richmond, R.A.
39 Stonewall Dr.
Stafford, VA 22556
S&S Waples Mill, LLC

10520 Warwick Ave., Suite B-1
Fairfax, VA 22030
Saxon-Clark
995 SR 434 N. Suite 509
Altamonte Springs, FL 32714
Sears
P.O. Box 6282
Sioux Falls, SD 57117-6282
Shapiro & Burson

13135 Lee Jackson Hwy.
Suite 201
Fairfax, VA 22033
Spectrum Homes, Inc.

Kevin & Kathleen Goode
P.O. Box 861426
Warrenton, VA 20187
The Peterson Companies

Attn: Cindy Singer
12500 Fairlakes Cir., #430
Fairfax, VA 22030
Thornburg Mortgage
425 Phillips Blvd.
Ewing, NJ 08618
Timothy M. Purnell, Esq.

Coon & Purnell, PC
P.O. Box 530
Manassas, VA 20108
Tolson Appliance Center, Inc.

P.O. Box 558
Warrenton, VA 20188
United Collection Bureau, Inc.

5620 Southwyck Blvd.
Suite 206
Toledo, OH 43614
United Leasing, Inc.

3700 Morgan Ave.
Evansville, IN 47715
Vector Security
9800 Patuxent Woods Dr.
Suite B
Columbia, MD 21046
Veliz Contractors, Inc. t/a

Stone Solutions
33 McWhirt Loop, Suite 104
Walter Lee, Esq.

Suite 105, 50 W Montgomery Ave
Rockville, MD 20850
B6 Summary (Official Form 6 - Summary) (12/07)
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In re Richard Joseph Navari, Case No. 09-10099-SSM
Pamela Ann Navari
,
Debtors Chapter 7
SUMMARY OF SCHEDULES
Indicate as to each schedule whether that schedule is attached and state the number of pages in each. Report the totals from Schedules A,
B, D, E, F, I, and J in the boxes provided. Add the amounts from Schedules A and B to determine the total amount of the debtor’s assets.
Add the amounts of all claims from Schedules D, E, and F to determine the total amount of the debtor’s liabilities. Individual debtors must
also complete the "Statistical Summary of Certain Liabilities and Related Data" if they file a case under chapter 7, 11, or 13.
NAME OF SCHEDULE ATTACHED NO. OF ASSETS LIABILITIES OTHER

(YES/NO) SHEETS
A - Real Property Yes 1 2,525,000.00
B - Personal Property Yes 6 37,845.80
C - Property Claimed as Exempt Yes 5
D - Creditors Holding Secured Claims Yes 2 3,420,884.22
E - Creditors Holding Unsecured Yes 1 0.00

Priority Claims (Total of Claims on Schedule E)
F - Creditors Holding Unsecured Yes 9 4,221,724.51

Nonpriority Claims
G - Executory Contracts and Yes 1

Unexpired Leases
H - Codebtors Yes 3
I - Current Income of Individual Yes 1 4,434.00

Debtor(s)
J - Current Expenditures of Individual Yes 2 25,638.73

Debtor(s)
Total Number of Sheets of ALL Schedules 31
Total Assets 2,562,845.80
Total Liabilities 7,642,608.73
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
Form 6 - Statistical Summary (12/07)
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Pamela Ann Navari
,
Debtors Chapter 7
STATISTICAL SUMMARY OF CERTAIN LIABILITIES AND RELATED DATA (28 U.S.C. § 159)
If you are an individual debtor whose debts are primarily consumer debts, as defined in § 101(8) of the Bankruptcy Code (11 U.S.C.§ 101(8)), filing
a case under chapter 7, 11 or 13, you must report all information requested below.
Check this box if you are an individual debtor whose debts are NOT primarily consumer debts. You are not required to
report any information here.
This information is for statistical purposes only under 28 U.S.C. § 159.

Summarize the following types of liabilities, as reported in the Schedules, and total them.
Type of Liability Amount
Domestic Support Obligations (from Schedule E)
Taxes and Certain Other Debts Owed to Governmental Units

(from Schedule E)
Claims for Death or Personal Injury While Debtor Was Intoxicated
(from Schedule E) (whether disputed or undisputed)
Student Loan Obligations (from Schedule F)
Domestic Support, Separation Agreement, and Divorce Decree

Obligations Not Reported on Schedule E
Obligations to Pension or Profit-Sharing, and Other Similar Obligations
(from Schedule F)
TOTAL
State the following:
Average Income (from Schedule I, Line 16)
Average Expenses (from Schedule J, Line 18)
Current Monthly Income (from Form 22A Line 12; OR,

Form 22B Line 11; OR, Form 22C Line 20 )
State the following:

1. Total from Schedule D, "UNSECURED PORTION, IF ANY"
column
2. Total from Schedule E, "AMOUNT ENTITLED TO PRIORITY"
column
3. Total from Schedule E, "AMOUNT NOT ENTITLED TO
PRIORITY, IF ANY" column
4. Total from Schedule F
5. Total of non-priority unsecured debt (sum of 1, 3, and 4)
B6A (Official Form 6A) (12/07)
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Pamela Ann Navari
,
Debtors
SCHEDULE A - REAL PROPERTY
Except as directed below, list all real property in which the debtor has any legal, equitable, or future interest, including all property owned as a
cotenant, community property, or in which the debtor has a life estate. Include any property in which the debtor holds rights and powers exercisable for
the debtor's own benefit. If the debtor is married, state whether husband, wife, both, or the marital community own the property by placing an "H," "W,"
"J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor holds no interest in real property, write "None" under
"Description and Location of Property."
Do not include interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and
Unexpired Leases.
If an entity claims to have a lien or hold a secured interest in any property, state the amount of the secured claim. See Schedule D. If no entity
claims to hold a secured interest in the property, write "None" in the column labeled "Amount of Secured Claim." If the debtor is an individual or
if a joint petition is filed, state the amount of any exemption claimed in the property only in Schedule C - Property Claimed as Exempt.
Husband, Current Value of

Nature of Debtor's Wife, Debtor's Interest in Amount of
Description and Location of Property Interest in Property Joint, or Property, without Secured Claim
Community Deducting any Secured
Claim or Exemption
Single family residence located at 15110 Riding Club Joint J 2,000,000.00 2,415,372.23
Dr.; Haymarket, VA 20169
Rental property located at 14849 Cox Creek Ct.; Joint J 525,000.00 920,000.00
Haymarket, VA 20169
Sub-Total > 2,525,000.00 (Total of this page)
Total > 2,525,000.00

0 continuation sheets attached to the Schedule of Real Property
(Report also on Summary of Schedules)
B6B (Official Form 6B) (12/07)
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Pamela Ann Navari
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Debtors
SCHEDULE B - PERSONAL PROPERTY
Except as directed below, list all personal property of the debtor of whatever kind. If the debtor has no property in one or more of the categories, place
an "x" in the appropriate position in the column labeled "None." If additional space is needed in any category, attach a separate sheet properly identified
with the case name, case number, and the number of the category. If the debtor is married, state whether husband, wife, both, or the marital community
own the property by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the debtor is an individual or a joint
petition is filed, state the amount of any exemptions claimed only in Schedule C - Property Claimed as Exempt.
Do not list interests in executory contracts and unexpired leases on this schedule. List them in Schedule G - Executory Contracts and
Unexpired Leases.
If the property is being held for the debtor by someone else, state that person's name and address under "Description and Location of Property."
If the property is being held for a minor child, simply state the child's initials and the name and address of the child's parent or guardian, such as
"A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
N Husband, Current Value of
Type of Property O Description and Location of Property Wife, Debtor's Interest in Property,
N Joint, or without Deducting any
E Community Secured Claim or Exemption
1. Cash on hand Cash on hand J 73.84
2. Checking, savings or other financial Bank of America checking acct. J 4,155.96

accounts, certificates of deposit, or
shares in banks, savings and loan, Money market acct. J 500.00
thrift, building and loan, and
homestead associations, or credit
unions, brokerage houses, or
cooperatives.
3. Security deposits with public X

utilities, telephone companies,
landlords, and others.
4. Household goods and furnishings, Kitchen: Wine Cabinet ($350); 1 TV ($15); 1 Painting J 878.00
including audio, video, and ($10); Pots, Pans, Baking Sheets, Baking Dishes,
computer equipment. cooking utensils ($15); Plates, Cups, Silverware ($25);
Storage plastic, serving dishes, tea pot, pot holders,
spice holders, pineapple collection ($20); Crock Pots,
toaster, toaster oven, can opener, towel holder,
cookbook holder ($25); Cutting board/knives,measure
cups/measure spoons ($10); Storage Containers ($8);
Cookbooks ($10); 1 clock ($2); 1 phone ($10); 1
message board ($5); 1 shelf ($5); Window treatment
($15); Family Room: Entertainment Center ($100);
Ottomon/coffee table ($30); 1 TV ($100); 1 VCR ($15);
Speakers & Receiver ($100); 1 Clock ($7); 1 lamp
($10); DVD ($10); 3 Window Treatments ($45); 1 chair
($35); air cleaner ($10); books/picture
frames/bookends/knick knacks ($50); Powder Room:
Toilet Paper/magazine holder ($10); Hallway:
Bench/coat rack ($20); Chalk board/pin board ($10);
Closet: Shoe organizer ($4); Shoes ($5); Carpet
cleaner ($10); Pantry: Food; cleaning products; Broom
($2); Swiffer mop ($2); Swiffer vac ($8); Living Room: 1
hall table ($50); Window Treatment ($25); 1 lamp ($10)
Sub-Total > 5,607.80

(Total of this page)
5 continuation sheets attached to the Schedule of Personal Property
B6B (Official Form 6B) (12/07) - Cont.

Pamela Ann Navari
,
Debtors
(Continuation Sheet)

Dining Room: 1 table w/ 8 chairs ($300); Hutch ($175); J 1,665.00
1 Server ($120); Plates, cups ($35); knick knacks
($20); Butler Pantry: Glasses ($20); mirror ($45); Bar:
Glasses ($10); Music Room: 1 Piano upright ($200); 2
sconces ($50); Window Treatment ($15); 2 floor plates
($10); Foyer: 2 Sconce ($50); Window Treatments
($65); 2 floor plates ($10); Powder Room: 1 floor plate
($5); Window treatment ($15); Toilet paper holder
($5); Plant stand ($5); Tissue holder, soap ($10); 3 Hall
closets: 1 vacuum ($15); Picture frames ($15); Office:
1 bookshelf ($75); 1 file cabinet ($50); 1 end table
($20); 1 storagebasket trunk ($10); Window Treatments
($75); 1 lamp ($30); Office Closet: 1 frozen/broken
computer ($10); 1 plastic storage bin ($5); Office
supplies/kids supplies ($15); junk ($10); Laundry:
Washer/Dryer ($150); 1 Iron ($5); 1 Steamer ($15)
Master Bedroom: 1 Dresser ($50); 1 Dresser w/ Mirror J 788.00

($65); TV ($20); 1 clock ($8); 1 telephone/clock ($8);
Pictures, knick knacks ($15); Window Treatment ($50);
beddding ($25); Master Bedroom Sitting Area: 1 couch
($75); 1 chair ($25); 1 end table ($15); 1 hall table
($25); pictures, knick knacks ($15); 1 window treatment
($35); Master Hallway: Picture ($20); 1 table ($10); 1
light ($8); Master Bathroom: 1 bench (goes to chair in
master sitting room) ($10); 1 hairdryer ($5); 2 curling
irons ($8); 1 makeup mirror ($5); Storage cabinet ($8);
1 light ($8); Master Bedroom Hall Closet: towels,
sheets, bedding ($20); Storage Closet off Master
Bedroom: 1 chair ($30); old Queen bedding ($10);
Suitcases ($40); 1 vacuum ($10); 1 window treatment
($15); Back Stairs: 1 window treatment ($15); 3rd floor
2 Hall Closets: 1 vacuum ($15); Towels, bedding (for
kids); Basement Bath: 2 Benches ($80); Toilet paper
holder ($10); 1 picture ($10); Litter Box ($5); Knick
Knacks ($10); light in wife's closet ($5)

Sheet 1 of 5 continuation sheets attached

to the Schedule of Personal Property

Pamela Ann Navari
,
Debtors

Basement: 1 Pool Table w/ 4 sticks ($300); Pictures J 1,620.00
($70); 1 Couch ($75); 1 Love Seat ($55); 1 Clock ($10);
3 lamps ($25); 1 table ($15); 1 vacuum ($10); 1 Queen
Bed ($100); 2 Chairs ($60); 1 Steeler table ( $15); 2
Book Cases/Entertainment ($100); Floral Arrangement
($30); Glass coffee table ($15); Glass end table ($10);
2 area rugs ($20); Holiday Décor/Christmas, Easter,
Halloween ($40); Junk/Old Clothes ($15); Baby Junk
($25); Outside: Grill ($25); Lawn Furniture ($100);
Plant Holders ($50); miscellaneous ($20); Garage:
Tools & Tool Boxes ($100); 1 Bench ($25); 2 Storage
top of car ($75); Outside Holiday Décor ($25); 1
Refrigerator ($30); 1 freezer ($15); 1 push mower
($20); 1 riding lawn mower ($100); 1 Lawn Fertilizer pull
($15); 2 storage shelves ($15); 1 radio ($10); Junk
($25)
Saxon furniture: Kitchen: 1 table w/ 8 chairs; 3 bar J 4,085.00

stools; corner book case; painting; 2 urns; 2 floral
arrangements; 2 pictures; greenery; picture frame; floor
greenery ($400); Family room: 1 couch; table; lamp,
mirror, book case; shadow box picture ($545); Living
Room: 1 sofa; 2 chairs; clock; 2 chairs; 1 round tea
table; painting; coffee table; 3 candles; floral; wood box;
2 torchiers floor lamps; 3 candle holders; rug ($840);
Dining Room: chairs; carpet; painting; mirror; 2 lamps;
floral; palm tree; greenery; rug ($480); Music Room: 2
chairs; box; mirrors; console table; 2 table lamps; small
greenery; table; rug; fern ($385); Master Bedroom: 2
chests; bench; armoire; king bed; cocktail table; end
table; king mattress & box spring; floor mirror; table
torchere; lamp; 2 table lamps; 3 candles; 3 candle
holders; 2 buffet lamps; small greenery; 2 jars; green;
box; phone; floral; bamboo tree; bed steps ($840);
Foyer: 2 benches; center table; floral; 2 statues with
fern; 2 pictures; mirror; 2 topiaries; 1 painting ($345);
Office: desk; desk chair; 2 pictures; chair; greenery;
table lamp; ottoman ($250)
5. Books, pictures and other art Family photos and personal pictures J 1.00
objects, antiques, stamp, coin,
record, tape, compact disc, and
other collections or collectibles.
6. Wearing apparel. Miscellaneous men's clothing, including suits, shirts, H 68.00

pants, shoes, socks, undergarments, coats, sweaters,
ties, belts, hats, hat organizer, clothes stand, and
accessories



Pamela Ann Navari
,
Debtors

Miscellaneous women's clothing, including dresses, W 178.00
skirts, pants, shirts, blouses, coats, sweaters, shoes,
shoe organizer, socks, undergarments, and
accessories
7. Furs and jewelry. 1 jewelry box and contents ($30); mother's ring and W 365.00
necklace ($175); 1 pandora bracelet w/ charms ($50);
Watch ($25); silver/gold earings ($50); Diamond stud
earrings ($35)
2 gold wedding bands and 1 diamond engagement ring W 150.00
1 men's jewelry box and contents ($15); 2 Watches H 65.00

($50)
1 Silver wedding band H 35.00
8. Firearms and sports, photographic, 2 sets skiis ($50); Ski Boots and bags ($40); Total J 360.00
and other hobby equipment. Fitness ($25); Universal Gym ($75); 1 Ab ($25); 1
workout bench ($25); Weights ($45); Pool
Supplies/Pool Toys ($10); 1 Ladies bike ($50);
Rollerblades ($15)
Canon Mini Digital Video Camcorder ($75); Nikon D50 J 225.00

Camera w/ Nikon 55-200 mm lens ($150)
9. Interests in insurance policies. X

Name insurance company of each
policy and itemize surrender or
refund value of each.
10. Annuities. Itemize and name each X

issuer.
11. Interests in an education IRA as X

defined in 26 U.S.C. § 530(b)(1) or
under a qualified State tuition plan
as defined in 26 U.S.C. § 529(b)(1).
Give particulars. (File separately the
record(s) of any such interest(s).
11 U.S.C. § 521(c).)
12. Interests in IRA, ERISA, Keogh, or IRA acct. with Janus H 600.00
other pension or profit sharing
plans. Give particulars.
13. Stock and interests in incorporated Membership interest in Del Sol Tanning, LLC H 1.00
and unincorporated businesses.
Itemize. Membership interest in 11180 Main Street LLC H 1.00



Pamela Ann Navari
,
Debtors

Membership interest in Del Sol Tanning Vienna, LLC H 1.00
Membership interest in Del Sol Tanning Braemar, LLC H 1.00
Membership interest in Del Sol Tanning Fairfax, LLC H 1.00
Membership interest in Manassas World Gym, LLC H 1.00
Membership interest in World Gym Gainesville, LLC H 1.00
14. Interests in partnerships or joint X

ventures. Itemize.
15. Government and corporate bonds X

and other negotiable and
nonnegotiable instruments.
16. Accounts receivable. X
17. Alimony, maintenance, support, and X

property settlements to which the
debtor is or may be entitled. Give
particulars.
18. Other liquidated debts owed to debtor Judgment ($15,000) against former tenants for unpaid J Unknown
including tax refunds. Give particulars. rent
Unknown potential federal and state tax refunds J Unknown
Unpaid loans due from the various LLC entities J Unknown
19. Equitable or future interests, life X

estates, and rights or powers
exercisable for the benefit of the
debtor other than those listed in
Schedule A - Real Property.
20. Contingent and noncontingent X

interests in estate of a decedent,
death benefit plan, life insurance
policy, or trust.
21. Other contingent and unliquidated Cause of action against builder Spectrum Homes, Inc. J Unknown
claims of every nature, including
tax refunds, counterclaims of the Claim against former tenants for property damages J Unknown
debtor, and rights to setoff claims.
Give estimated value of each. Claim against Richmond Group, Inc. for failure to pay J Unknown
its subcontractors in connection with pool construction
Sub-Total > 5.00



Pamela Ann Navari
,
Debtors

22. Patents, copyrights, and other X

intellectual property. Give
particulars.
23. Licenses, franchises, and other X

general intangibles. Give
particulars.
24. Customer lists or other compilations X

containing personally identifiable
information (as defined in 11 U.S.C.
§ 101(41A)) provided to the debtor
by individuals in connection with
obtaining a product or service from
the debtor primarily for personal,
family, or household purposes.
25. Automobiles, trucks, trailers, and 2007 Chevrolet Avalanche H 21,000.00

other vehicles and accessories.
3 ATVs ($1,500) (legally titled in Husband's name but H 1.00
beneficially owned by the Debtors' children)
26. Boats, motors, and accessories. X
27. Aircraft and accessories. X
28. Office equipment, furnishings, and Business computer, printer, and supplies W 1,000.00
supplies.
29. Machinery, fixtures, equipment, and X

supplies used in business.
30. Inventory. X
31. Animals. 3 dogs, 1 cat, and chickens J 25.00
32. Crops - growing or harvested. Give X

particulars.
33. Farming equipment and X

implements.
34. Farm supplies, chemicals, and feed. X
35. Other personal property of any kind X

not already listed. Itemize.
Sub-Total > 22,026.00

Total > 37,845.80
to the Schedule of Personal Property (Report also on Summary of Schedules)
B6C (Official Form 6C) (12/07)
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Pamela Ann Navari
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Debtors
SCHEDULE C - PROPERTY CLAIMED AS EXEMPT
Debtor claims the exemptions to which debtor is entitled under: Check if debtor claims a homestead exemption that exceeds
(Check one box) $136,875.
11 U.S.C. §522(b)(2)
11 U.S.C. §522(b)(3)
Specify Law Providing Value of Current Value of

Description of Property Each Exemption Claimed Property Without
Exemption Deducting Exemption
Real Property
Single family residence located at 15110 Riding VA Code §§ 34-4 & -6 1.00 2,000,000.00
Club Dr.; Haymarket, VA 20169
Rental property located at 14849 Cox Creek Ct.; VA Code §§ 34-4 & -6 1.00 525,000.00
Haymarket, VA 20169
Cash on Hand
Cash on hand VA Code §§ 34-4, -13 & -14 73.84 73.84
Checking, Savings, or Other Financial Accounts, Certificates of Deposit

Bank of America checking acct. VA Code §§ 34-4, -13 & -14 4,155.96 4,155.96
Money market acct. VA Code §§ 34-4, -13 & -14 500.00 500.00
Household Goods and Furnishings

Kitchen: Wine Cabinet ($350); 1 TV ($15); 1 VA Code § 34-26(4a) 878.00 878.00
Painting ($10); Pots, Pans, Baking Sheets, Baking
Dishes, cooking utensils ($15); Plates, Cups,
Silverware ($25); Storage plastic, serving dishes,
tea pot, pot holders, spice holders, pineapple
collection ($20); Crock Pots, toaster, toaster oven,
can opener, towel holder, cookbook holder ($25);
Cutting board/knives,measure cups/measure
spoons ($10); Storage Containers ($8); Cookbooks
($10); 1 clock ($2); 1 phone ($10); 1 message
board ($5); 1 shelf ($5); Window treatment ($15);
Family Room: Entertainment Center ($100);
Ottomon/coffee table ($30); 1 TV ($100); 1 VCR
($15); Speakers & Receiver ($100); 1 Clock ($7); 1
lamp ($10); DVD ($10); 3 Window Treatments
($45); 1 chair ($35); air cleaner ($10); books/picture
frames/bookends/knick knacks ($50); Powder
Room: Toilet Paper/magazine holder ($10);
Hallway: Bench/coat rack ($20); Chalk board/pin
board ($10); Closet: Shoe organizer ($4); Shoes
($5); Carpet cleaner ($10); Pantry: Food; cleaning
products; Broom ($2); Swiffer mop ($2); Swiffer vac
($8); Living Room: 1 hall table ($50); Window
Treatment ($25); 1 lamp ($10)
4 continuation sheets attached to Schedule of Property Claimed as Exempt

B6C (Official Form 6C) (12/07) -- Cont.

Pamela Ann Navari
,
Debtors

Dining Room: 1 table w/ 8 chairs ($300); Hutch VA Code § 34-26(4a) 1,665.00 1,665.00
($175); 1 Server ($120); Plates, cups ($35); knick
knacks ($20); Butler Pantry: Glasses ($20); mirror
($45); Bar: Glasses ($10); Music Room: 1 Piano
upright ($200); 2 sconces ($50); Window
Treatment ($15); 2 floor plates ($10); Foyer: 2
Sconce ($50); Window Treatments ($65); 2 floor
plates ($10); Powder Room: 1 floor plate ( $5);
Window treatment ($15); Toilet paper holder ($5);
Plant stand ($5); Tissue holder, soap ($10); 3 Hall
closets: 1 vacuum ($15); Picture frames ($15);
Office: 1 bookshelf ($75); 1 file cabinet ($50); 1
end table ($20); 1 storagebasket trunk ($10);
Window Treatments ($75); 1 lamp ($30); Office
Closet: 1 frozen/broken computer ($10); 1 plastic
storage bin ($5); Office supplies/kids supplies
($15); junk ($10); Laundry: Washer/Dryer ($150); 1
Iron ($5); 1 Steamer ($15)
Master Bedroom: 1 Dresser ($50); 1 Dresser w/ VA Code § 34-26(4a) 788.00 788.00

Mirror ($65); TV ($20); 1 clock ($8); 1
telephone/clock ($8); Pictures, knick knacks ($15);
Window Treatment ($50); beddding ($25); Master
Bedroom Sitting Area: 1 couch ($75); 1 chair
($25); 1 end table ($15); 1 hall table ($25); pictures,
knick knacks ($15); 1 window treatment ($35);
Master Hallway: Picture ($20); 1 table ($10); 1 light
($8); Master Bathroom: 1 bench (goes to chair in
master sitting room) ($10); 1 hairdryer ($5); 2
curling irons ($8); 1 makeup mirror ($5); Storage
cabinet ($8); 1 light ($8); Master Bedroom Hall
Closet: towels, sheets, bedding ($20); Storage
Closet off Master Bedroom: 1 chair ($30); old
Queen bedding ($10); Suitcases ($40); 1 vacuum
($10); 1 window treatment ($15); Back Stairs: 1
window treatment ($15); 3rd floor 2 Hall Closets: 1
vacuum ($15); Towels, bedding (for kids);
Basement Bath: 2 Benches ($80); Toilet paper
holder ($10); 1 picture ($10); Litter Box ($5); Knick
Knacks ($10); light in wife's closet ($5)
Sheet 1 of 4 continuation sheets attached to the Schedule of Property Claimed as Exempt


Pamela Ann Navari
,
Debtors

Basement: 1 Pool Table w/ 4 sticks ($300); VA Code § 34-26(4a) 1,620.00 1,620.00

Pictures ($70); 1 Couch ($75); 1 Love Seat ($55); 1
Clock ($10); 3 lamps ($25); 1 table ($15); 1 vacuum
($10); 1 Queen Bed ($100); 2 Chairs ($60); 1
Steeler table ( $15); 2 Book Cases/Entertainment
($100); Floral Arrangement ($30); Glass coffee
table ($15); Glass end table ($10); 2 area rugs
($20); Holiday Décor/Christmas, Easter, Halloween
($40); Junk/Old Clothes ($15); Baby Junk ($25);
Outside: Grill ($25); Lawn Furniture ($100); Plant
Holders ($50); miscellaneous ($20); Garage: Tools
& Tool Boxes ($100); 1 Bench ($25); 2 Storage top
of car ($75); Outside Holiday Décor ($25); 1
Refrigerator ($30); 1 freezer ($15); 1 push mower
($20); 1 riding lawn mower ($100); 1 Lawn Fertilizer
pull ($15); 2 storage shelves ($15); 1 radio ($10);
Junk ($25)
Saxon furniture: Kitchen: 1 table w/ 8 chairs; 3 bar VA Code § 34-26(4a) 4,085.00 4,085.00
stools; corner book case; painting; 2 urns; 2 floral
arrangements; 2 pictures; greenery; picture frame;
floor greenery ($400); Family room: 1 couch; table;
lamp, mirror, book case; shadow box picture
($545); Living Room: 1 sofa; 2 chairs; clock; 2
chairs; 1 round tea table; painting; coffee table; 3
candles; floral; wood box; 2 torchiers floor lamps; 3
candle holders; rug ($840); Dining Room: chairs;
carpet; painting; mirror; 2 lamps; floral; palm tree;
greenery; rug ($480); Music Room: 2 chairs; box;
mirrors; console table; 2 table lamps; small
greenery; table; rug; fern ($385); Master Bedroom:
2 chests; bench; armoire; king bed; cocktail table;
end table; king mattress & box spring; floor mirror;
table torchere; lamp; 2 table lamps; 3 candles; 3
candle holders; 2 buffet lamps; small greenery; 2
jars; green; box; phone; floral; bamboo tree; bed
steps ($840); Foyer: 2 benches; center table;
floral; 2 statues with fern; 2 pictures; mirror; 2
topiaries; 1 painting ($345); Office: desk; desk
chair; 2 pictures; chair; greenery; table lamp;
ottoman ($250)
Books, Pictures and Other Art Objects; Collectibles

Family photos and personal pictures VA Code § 34-26(2) 1.00 1.00
Wearing Apparel
Miscellaneous men's clothing, including suits, VA Code § 34-26(4) 68.00 68.00
shirts, pants, shoes, socks, undergarments, coats,
sweaters, ties, belts, hats, hat organizer, clothes
stand, and accessories
Miscellaneous women's clothing, including dresses, VA Code § 34-26(4) 178.00 178.00

skirts, pants, shirts, blouses, coats, sweaters,
shoes, shoe organizer, socks, undergarments, and
accessories


Pamela Ann Navari
,
Debtors

Furs and Jewelry

1 jewelry box and contents ($30); mother's ring and VA Code § 34-26(2); VA Code § 365.00 365.00
necklace ($175); 1 pandora bracelet w/ charms 34-26(4); VA Code §§ 34-4, 13 & -14
($50); Watch ($25); silver/gold earings ($50);
Diamond stud earrings ($35)
2 gold wedding bands and 1 diamond engagement VA Code § 34-26(1a) 100% 150.00
ring
1 men's jewelry box and contents ($15); 2 Watches VA Code § 34-26(4); VA Code §§ 34-4, 65.00 65.00
($50) -13 & -14
1 Silver wedding band VA Code § 34-26(1a) 100% 35.00
Firearms and Sports, Photographic and Other Hobby Equipment

2 sets skiis ($50); Ski Boots and bags ($40); Total VA Code § 34-26(4a); VA Code §§ 360.00 360.00
Fitness ($25); Universal Gym ($75); 1 Ab ($25); 1 34-4, -13 & -14
workout bench ($25); Weights ($45); Pool
Supplies/Pool Toys ($10); 1 Ladies bike ($50);
Rollerblades ($15)
Canon Mini Digital Video Camcorder ($75); Nikon VA Code § 34-26(4a); VA Code §§ 225.00 225.00
D50 Camera w/ Nikon 55-200 mm lens ($150) 34-4, -13 & -14
Interests in IRA, ERISA, Keogh, or Other Pension or Profit Sharing Plans

IRA acct. with Janus 11 U.S.C. § 522(b)(3)(C) 600.00 600.00
Stock and Interests in Businesses

Membership interest in Del Sol Tanning, LLC VA Code §§ 34-4, -13 & -14 1.00 1.00
Membership interest in 11180 Main Street LLC VA Code §§ 34-4, -13 & -14 1.00 1.00
Membership interest in Del Sol Tanning Vienna, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Membership interest in Del Sol Tanning Braemar, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Membership interest in Del Sol Tanning Fairfax, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Membership interest in Manassas World Gym, LLC VA Code §§ 34-4, -13 & -14 1.00 1.00
Membership interest in World Gym Gainesville, VA Code §§ 34-4, -13 & -14 1.00 1.00
LLC
Other Liquidated Debts Owing Debtor Including Tax Refund

Judgment ($15,000) against former tenants for VA Code §§ 34-4, -13 & -14 1.00 Unknown
unpaid rent
Unknown potential federal and state tax refunds VA Code §§ 34-4, -13 & 14 1.00 Unknown
Unpaid loans due from the various LLC entities VA Code §§ 34-4, -13 & -14 1.00 Unknown


Pamela Ann Navari
,
Debtors

Other Contingent and Unliquidated Claims of Every Nature

Cause of action against builder Spectrum Homes, VA Code §§ 34-4, -13 & -14 1.00 Unknown
Inc.
Claim against former tenants for property damages VA Code §§ 34-4, -13 & -14 1.00 Unknown
Claim against Richmond Group, Inc. for failure to VA Code §§ 34-4, -13 & -14 1.00 Unknown
pay its subcontractors in connection with pool
construction
Automobiles, Trucks, Trailers, and Other Vehicles

2007 Chevrolet Avalanche VA Code §§ 34-4, -13 & -14 1.00 21,000.00
3 ATVs ($1,500) (legally titled in Husband's name VA Code § 34-26(8); VA Code §§ 34-4, 1.00 1.00
but beneficially owned by the Debtors' children) -13 & -14
Office Equipment, Furnishings and Supplies

Business computer, printer, and supplies VA Code § 34-26(7) 1,000.00 1,000.00
Animals
3 dogs, 1 cat, and chickens VA Code § 34-26(5) 100% 25.00
Total: 16,854.80 2,562,845.80

B6D (Official Form 6D) (12/07)
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Debtors
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
State the name, mailing address, including zip code, and last four digits of any account number of all entities holding claims secured by property of the debtor as of
the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided
if the debtor chooses to do so. List creditors holding all types of secured interests such as judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and
other security interests.
List creditors in alphabetical order to the extent practicable. If a minor child is a creditor, the child's initials and the name and address of the child's parent or
guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). If all secured
creditors will not fit on this page, use the continuation sheet provided.
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor" ,include the entity on the appropriate
schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H", "W", "J", or "C" in the column labeled "Husband, Wife, Joint, or Community".
If the claim is contingent, place an "X" in the column labeled "Contingent". If the claim is unliquidated, place an "X" in the column labeled "Unliquidated". If the
claim is disputed, place an "X" in the column labeled "Disputed". (You may need to place an "X" in more than one of these three columns.)
Total the columns labeled "Amount of Claim Without Deducting Value of Collateral" and "Unsecured Portion, if Any" in the boxes labeled "Total(s)" on the last
sheet of the completed schedule. Report the total from the column labeled "Amount of Claim" also on the Summary of Schedules and, if the debtor is an individual with
primarily consumer debts, report the total from the column labeled "Unsecured Portion" on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding secured claims to report on this Schedule D.
C Husband, Wife, Joint, or Community C U D AMOUNT OF
CREDITOR'S NAME O O N I
D H DATE CLAIM WAS INCURRED, N L S CLAIM
AND MAILING ADDRESS E T I P WITHOUT UNSECURED
INCLUDING ZIP CODE, B W NATURE OF LIEN, AND I Q U PORTION, IF
T J DESCRIPTION AND VALUE N U T
DEDUCTING
AND ACCOUNT NUMBER O G I E VALUE OF ANY
(See instructions above.)
C OF PROPERTY
R
SUBJECT TO LIEN
E D D COLLATERAL
N A
T T
Account No. xxxxxxxxxxxx6920 Security interest E
D
Consumer Loan Client Services 2007 Chevrolet Avalanche

P.O. Box 85160
Richmond, VA 23285-5160
H
Value $ 21,000.00 29,254.02 8,254.02

Account No. xxx-xxxx-x4323 Vehicle lease
GMAC 2007 Cadillac Escalade

P.O. Box 380901
J
Value $ Unknown 21,257.97 Unknown

Account No. xxxxxx5628 1st priority deed of trust
Homecomings Financial Rental property located at 14849 Cox

Customer Service Creek Ct.; Haymarket, VA 20169
P.O. Box 205
J
Waterloo, IA 50704
Value $ 525,000.00 720,000.00 195,000.00

Account No. xxxxxx2892 2nd priority deed of trust
Homecomings Financial Rental property located at 14849 Cox

Customer Service Creek Ct.; Haymarket, VA 20169
P.O. Box 205
J
Waterloo, IA 50704
Value $ 525,000.00 200,000.00 200,000.00

Subtotal
1
_____ continuation sheets attached 970,511.99 403,254.02
B6D (Official Form 6D) (12/07) - Cont.

Pamela Ann Navari
,
Debtors
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

C Husband, Wife, Joint, or Community C U D AMOUNT OF

CREDITOR'S NAME O O N I
D H DATE CLAIM WAS INCURRED, N L S CLAIM
AND MAILING ADDRESS E T I P WITHOUT UNSECURED
W NATURE OF LIEN, AND PORTION, IF
INCLUDING ZIP CODE, B
DESCRIPTION AND VALUE
I Q U
DEDUCTING
T J N U T ANY
AND ACCOUNT NUMBER O C OF PROPERTY G I E VALUE OF
(See instructions.) R
SUBJECT TO LIEN E D D COLLATERAL
N A
T T
Account No. xx-xxx-xxxxxx3035 2nd priority deed of trust E
D
National City Single family residence located at 15110

P.O. Box 856153 Riding Club Dr.; Haymarket, VA 20169
J
Value $ 2,000,000.00 300,000.00 300,000.00

Account No. 2008
Alleged security interest
Saxon furniture: Kitchen: 1 table w/ 8
Saxon-Clark chairs; 3 bar stools; corner book case;
995 SR 434 N. Suite 509 painting; 2 urns; 2 floral arrangements; 2
Altamonte Springs, FL 32714 pictures; greenery; picture frame; floor
J greenery ($400); Family room: 1 couch;
table; lamp, mirror, book case; sha
Value $ 4,085.00 35,000.00 30,915.00
Account No. 2/13/08
The Richmond Group, Inc. Mechanic's lien

c/o Joshua Richmond
1130 International Pkwy., #109 Single family residence located at 15110
J Riding Club Dr.; Haymarket, VA 20169 X
Value $ 2,000,000.00 29,872.00 29,872.00

Account No. xxxxxx9315 7/12/07
Thornburg Mortgage 1st priority deed of trust

425 Phillips Blvd.
Ewing, NJ 08618 Single family residence located at 15110
J Riding Club Dr.; Haymarket, VA 20169
Value $ 2,000,000.00 2,085,500.23 85,500.23

Account No.
Value $
1
Sheet _____ 1
of _____ continuation sheets attached to Subtotal
2,450,372.23 446,287.23
Schedule of Creditors Holding Secured Claims (Total of this page)
Total 3,420,884.22 849,541.25
(Report on Summary of Schedules)
B6E (Official Form 6E) (12/07)
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Pamela Ann Navari
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Debtors
SCHEDULE E - CREDITORS HOLDING UNSECURED PRIORITY CLAIMS
A complete list of claims entitled to priority, listed separately by type of priority, is to be set forth on the sheets provided. Only holders of unsecured claims entitled
to priority should be listed in this schedule. In the boxes provided on the attached sheets, state the name, mailing address, including zip code, and last four digits of the
account number, if any, of all entities holding priority claims against the debtor or the property of the debtor, as of the date of the filing of the petition. Use a separate
continuation sheet for each type of priority and label each with the type of priority.
The complete account number of any account the debtor has with the creditor is useful to the trustee and the creditor and may be provided if the debtor chooses to do
so. If a minor child is a creditor, state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian."
Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate
schedule of creditors, and complete Schedule H-Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community." If the claim is contingent, place an "X" in the
column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the claim is disputed, place an "X" in the column labeled
"Disputed." (You may need to place an "X" in more than one of these three columns.)
Report the total of claims listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all claims listed on this Schedule E in the box labeled
"Total" on the last sheet of the completed schedule. Report this total also on the Summary of Schedules.
Report the total of amounts entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts entitled to priority
listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this total
also on the Statistical Summary of Certain Liabilities and Related Data.
Report the total of amounts not entitled to priority listed on each sheet in the box labeled "Subtotals" on each sheet. Report the total of all amounts not entitled to
priority listed on this Schedule E in the box labeled "Totals" on the last sheet of the completed schedule. Individual debtors with primarily consumer debts report this
total also on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding unsecured priority claims to report on this Schedule E.
TYPES OF PRIORITY CLAIMS (Check the appropriate box(es) below if claims in that category are listed on the attached sheets)
Domestic support obligations
Claims for domestic support that are owed to or recoverable by a spouse, former spouse, or child of the debtor, or the parent, legal guardian, or responsible relative
of such a child, or a governmental unit to whom such a domestic support claim has been assigned to the extent provided in 11 U.S.C. § 507(a)(1).
Extensions of credit in an involuntary case

Claims arising in the ordinary course of the debtor's business or financial affairs after the commencement of the case but before the earlier of the appointment of a
trustee or the order for relief. 11 U.S.C. § 507(a)(3).
Wages, salaries, and commissions

Wages, salaries, and commissions, including vacation, severance, and sick leave pay owing to employees and commissions owing to qualifying independent sales
representatives up to $10,950* per person earned within 180 days immediately preceding the filing of the original petition, or the cessation of business, whichever
occurred first, to the extent provided in 11 U.S.C. § 507(a)(4).
Contributions to employee benefit plans

Money owed to employee benefit plans for services rendered within 180 days immediately preceding the filing of the original petition, or the cessation of business,
whichever occurred first, to the extent provided in 11 U.S.C. § 507(a)(5).
Certain farmers and fishermen

Claims of certain farmers and fishermen, up to $5,400* per farmer or fisherman, against the debtor, as provided in 11 U.S.C. § 507(a)(6).
Deposits by individuals
Claims of individuals up to $2,425* for deposits for the purchase, lease, or rental of property or services for personal, family, or household use, that were not
delivered or provided. 11 U.S.C. § 507(a)(7).
Taxes and certain other debts owed to governmental units

Taxes, customs duties, and penalties owing to federal, state, and local governmental units as set forth in 11 U.S.C. § 507(a)(8).
Commitments to maintain the capital of an insured depository institution

Claims based on commitments to the FDIC, RTC, Director of the Office of Thrift Supervision, Comptroller of the Currency, or Board of Governors of the Federal
Reserve System, or their predecessors or successors, to maintain the capital of an insured depository institution. 11 U.S.C. § 507 (a)(9).
Claims for death or personal injury while debtor was intoxicated

Claims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from using alcohol, a drug, or
another substance. 11 U.S.C. § 507(a)(10).
* Amounts are subject to adjustment on April 1, 2010, and every three years thereafter with respect to cases commenced on or after the date of adjustment.
0 continuation sheets attached
B6F (Official Form 6F) (12/07)
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Debtors
SCHEDULE F - CREDITORS HOLDING UNSECURED NONPRIORITY CLAIMS

State the name, mailing address, including zip code, and last four digits of any account number, of all entities holding unsecured claims without priority against the
debtor or the property of the debtor, as of the date of filing of the petition. The complete account number of any account the debtor has with the creditor is useful to the
trustee and the creditor and may be provided if the debtor chooses to do so. If a minor child is a creditor, state the child's initials and the name and address of the child's
parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m). Do not
include claims listed in Schedules D and E. If all creditors will not fit on this page, use the continuation sheet provided.
If any entity other than a spouse in a joint case may be jointly liable on a claim, place an "X" in the column labeled "Codebtor," include the entity on the appropriate
schedule of creditors, and complete Schedule H - Codebtors. If a joint petition is filed, state whether the husband, wife, both of them, or the marital community may be
liable on each claim by placing an "H," "W," "J," or "C" in the column labeled "Husband, Wife, Joint, or Community."
If the claim is contingent, place an "X" in the column labeled "Contingent." If the claim is unliquidated, place an "X" in the column labeled "Unliquidated." If the
claim is disputed, place an "X" in the column labeled "Disputed." (You may need to place an "X" in more than one of these three columns.)
Report the total of all claims listed on this schedule in the box labeled "Total" on the last sheet of the completed schedule. Report this total also on the Summary of
Schedules and, if the debtor is an individual with primarily consumer debts, report this total also on the Statistical Summary of Certain Liabilities and Related Data.
Check this box if debtor has no creditors holding unsecured claims to report on this Schedule F.
C Husband, Wife, Joint, or Community C U D

CREDITOR'S NAME, O O N I
MAILING ADDRESS D H N L S
INCLUDING ZIP CODE, E DATE CLAIM WAS INCURRED AND T I P
W
AND ACCOUNT NUMBER
B CONSIDERATION FOR CLAIM. IF CLAIM I Q U
AMOUNT OF CLAIM
T J N U T
O IS SUBJECT TO SETOFF, SO STATE. G I E
(See instructions above.) R
C
E D D
N A
Account No. 11/20/03 T T
E
Guaranty of commercial lease obligation D
11725 Lee Highway, LLC

1215 N. Fort Myer Dr., #101 X J X
Arlington, VA 22209
132,572.74
Account No. xxxxxx4544 BMW obligation
American Collection Systems

P.O. Box 29117 -
Columbus, OH 43229
4,166.71
Account No.
Atlantic Floors, Inc.

Attn: Brent Perry, President J X
3951 University Dr.
Fairfax, VA 22030
1,500.00
Account No. xxxx-xxxx-xxxx-4233 Claim against Manassas World Gym, LLC,
personally guaranteed
Bank of America
P.O. Box 15027 X J X
25,858.29
Subtotal
8
_____ continuation sheets attached 164,097.74
Copyright (c) 1996-2009 - Best Case Solutions - Evanston, IL - (800) 492-8037 S/N:10952-090123 Best Case Bankruptcy
B6F (Official Form 6F) (12/07) - Cont.

Pamela Ann Navari
,
Debtors

INCLUDING ZIP CODE,
E
W
DATE CLAIM WAS INCURRED AND T I P
B I Q U
AND ACCOUNT NUMBER T J CONSIDERATION FOR CLAIM. IF CLAIM N U T AMOUNT OF CLAIM
O C IS SUBJECT TO SETOFF, SO STATE. G I E
(See instructions above.) R E D D
N A
T T
Account No. Potential contribution claims E
D
Brian and Monica Borga

4527 Forest Dr. J X X
Fairfax, VA 22030
Unknown
Account No. Guaranty of commercial lease obligation
Bull Run Plaza, LLC

c/o Rappaport Management Co. X H X
8405 Greensboro Dr., Suite 830
McLean, VA 22102
360,721.71
Account No. 1/17/03
Guaranty of commercial lease obligation
CAR Braemar Village, LLC
P.O. Box 643787 X H X
37,180.36
Account No. xxxx-xxxx-xxxx-2727
Chevy Chase Bank

Card Services -
P.O. Box 15049
2,356.50
Account No. xxxx xxxx xxxx 7855
Citi Cards
P.O. Box 6500 -
Sioux Falls, SD 57117
15,537.83
1
Sheet no. _____ 8
of _____ sheets attached to Schedule of Subtotal
415,796.40
Creditors Holding Unsecured Nonpriority Claims (Total of this page)

Pamela Ann Navari
,
Debtors

INCLUDING ZIP CODE,
E
W
B I Q U
N A
T T
Account No. Home building subcontractor, not paid by E
contractor D
Courtesy Electric
c/o Jose Carrasquillo X J X
8491 Stonewall Rd.
Manassas, VA 20110
Unknown
Account No.
David Colletto
2817 Jermantown Rd. X -
Oakton, VA 22124
220,000.00
Account No. 7570
Discover Card
P.O. Box 30943 -
Salt Lake City, UT 84130
8,421.33
Account No. Pool construction subcontractor, not paid by
contractor
Donnelly Concrete, Inc.
92 Le Way Dr. X J X
18,000.00
Account No.
Enviro-Tech Pest Services

201 E. Potomac St. J
Brunswick, MD 21716
92.40
2
Sheet no. _____ 8
246,513.73

Pamela Ann Navari
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Debtors

INCLUDING ZIP CODE,
E
W
B I Q U
N A
T T
Account No. Advances from the Estate of Charles C. Helmick E
D
Estate of Charles C. Helmick

c/o Charles M. Helmick W
1125 Happy Ridge Dr.
Front Royal, VA 22630
150,000.00
Account No. xxxxxxxxxxxx9483
Exxon Mobil
P.O. Box 688940 -
Des Moines, IA 50368-8940
1,818.68
Account No. 2727
First USA
P.O. Box 15548 -
2,981.34
Account No. xxxxxxx9088 Guaranty of office equipment lease
GE Capital
P.O. Box 3083 X H X
Cedar Rapids, IA 52406-3083
32,176.98
Account No. xxxxxxxxxxxx7337
GE Money Bank
P.O. Box 981438 -
El Paso, TX 79998-1438
16,800.00
3
Sheet no. _____ 8
203,777.00

Pamela Ann Navari
,
Debtors

INCLUDING ZIP CODE,
E
W
B I Q U
N A
T T
Account No. Legal fees E
D
Hall, Sickels, Frei & Mimms

12120 Sunset Hills Rd. -
Suite 150
Reston, VA 20190
10,180.44
Account No.
Health Club Tudors

Attn: Rick Quinn -
298 Kitts Dr.
Waterford, OH 45786
50,000.00
Account No. Legal fees in connection with father's estate
Heather M. Weese, PLLC

600 S. Randolph Ave., Suite I W
Elkins, WV 26241
Unknown
Account No. xxxxxx9599
JC Penney
P.O. Box 981131 -
El Paso, TX 79998
247.70
Account No. Claim against World Gym Gainesville, LLC,
Macro Lease
One West Ames Ct., Suite 101 X J X
Plainview, NY 11803
635,000.00
4
Sheet no. _____ 8
695,428.14

Pamela Ann Navari
,
Debtors

INCLUDING ZIP CODE,
E
W
B I Q U
N A
T T
Account No. xx-xxx-xxx-753-0 E
D
Macy's
P.O. Box 183083 -
Columbus, OH 43218-3083
765.10
Account No. xxx4939
Midwest Center
112 N. Church St. -
Oak Harbor, OH 43449
194.94
Account No. Claim against World Gym Gainesville LLC,
National City Health
Care Finance X J X
995 Dalton Ave.
Cincinnati, OH 45203
63,000.00
Account No. xxxx-xxxxxx-x1000 American Express obligation
Nationwide Credit, Inc.

3600 E. University Dr. -
Suite B1350
Phoenix, AZ 85034-7296
21,897.23
Account No. xxxx x10 54
Nordstrom
P.O. Box 13589 -
Scottsdale, AZ 85267
342.65
5
Sheet no. _____ 8
86,199.92

Pamela Ann Navari
,
Debtors

INCLUDING ZIP CODE,
E
W
B I Q U
N A
T T
Account No. Potential contribution claim E
D
PBT Atlantic Acquisition, LLC

c/o Capitol Corporate Services X J X X
10 South Jefferson St., #1400
Roanoke, VA 24011
Unknown
Account No. Claim against Del Sol Tanning, personally
guaranteed
PNC Bank
Attn: Robert Patterson, VP X J X
1824 George Ave.
Annapolis, MD 21401
425,000.00
Account No. Claim against Manassas World Gym, LLC,
PNC Bank
P.O. Box 747032 X J X
38,471.22
contractor
Pool Cover Services, Inc.
c/o Ron Grimm, Owner X J X
320 Adam Rd.
Frederick, MD 21701
4,264.68
Account No. Guaranty of commercial premises lease
S&S Waples Mill, LLC

10520 Warwick Ave., Suite B-1 J X
Fairfax, VA 22030
156,000.00
6
Sheet no. _____ 8
623,735.90

Pamela Ann Navari
,
Debtors

INCLUDING ZIP CODE,
E
W
B I Q U
N A
T T
Account No. xxxx xxxx xxxx 1796 Gold MasterCard credit card E
D
Sears
P.O. Box 6282 -
Sioux Falls, SD 57117-6282
4,121.56
Account No. Pending lawsuit by home builder
Spectrum Homes, Inc.

Kevin & Kathleen Goode J X X
P.O. Box 861426
Warrenton, VA 20187
80,000.00
Account No. Claim against World Gym Gainesville, LLC,
The Peterson Companies
Attn: Cindy Singer X J X
Fairfax, VA 22030
1,440,000.00
Account No. 3892
Tolson Appliance Center, Inc.

P.O. Box 558 J
Warrenton, VA 20188
488.03
Account No. xxxx-xxxx-xxxx-7855 Citicorp Credit Services
United Collection Bureau, Inc.

5620 Southwyck Blvd. -
Suite 206
Toledo, OH 43614
15,537.83
7
Sheet no. _____ 8
1,540,147.42

Pamela Ann Navari
,
Debtors

INCLUDING ZIP CODE,
E
W
B I Q U
N A
T T
Account No. xxxxxxx001 & -2 Lease obligation E
D
United Leasing, Inc.

3700 Morgan Ave. X H
Evansville, IN 47715
142,849.13
Account No. xxx8292
Vector Security
9800 Patuxent Woods Dr. J
Suite B
Columbia, MD 21046
40.95
contractor
Veliz Contractors, Inc.
t/a Stone Solutions X J X
33 McWhirt Loop, Suite 104
13,905.75
Account No. Commercial lease obligation
Virginia Gateway Retail L.C.

c/o Andrew B. Schulwolf, Esq. X J
2273 Research Blvd., Suite 200
Rockville, MD 20850
79,232.43
Account No. Legal fees incurred for business representation
Walsh, Colucci, Lubeley,

Emich & Walsh, PC H
4310 Prince William Pkwy. #300
Woodbridge, VA 22192
10,000.00
8
Sheet no. _____ 8
246,028.26
Total
(Report on Summary of Schedules) 4,221,724.51
B6G (Official Form 6G) (12/07)
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Pamela Ann Navari
,
Debtors
SCHEDULE G - EXECUTORY CONTRACTS AND UNEXPIRED LEASES
Describe all executory contracts of any nature and all unexpired leases of real or personal property. Include any timeshare interests. State nature
of debtor's interest in contract, i.e., "Purchaser", "Agent", etc. State whether debtor is the lessor or lessee of a lease. Provide the names and
complete mailing addresses of all other parties to each lease or contract described. If a minor child is a party to one of the leases or contracts,
state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not
disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Check this box if debtor has no executory contracts or unexpired leases.
Description of Contract or Lease and Nature of Debtor's Interest.
Name and Mailing Address, Including Zip Code, State whether lease is for nonresidential real property.
of Other Parties to Lease or Contract State contract number of any government contract.
GMAC Debtors are lessess of a 2007 Cadillac Escalade at

P.O. Box 380901 the rate of $868/mo.
Mark and Kelly Presgrave Debtors are landlords under a residential lease
14849 Cox Creek Ct. expiring Summer 2009 at the rental rate of
Haymarket, VA 20169 $3,250/mo.
0
continuation sheets attached to Schedule of Executory Contracts and Unexpired Leases
B6H (Official Form 6H) (12/07)
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Pamela Ann Navari
,
Debtors
SCHEDULE H - CODEBTORS
Provide the information requested concerning any person or entity, other than a spouse in a joint case, that is also liable on any debts listed
by debtor in the schedules of creditors. Include all guarantors and co-signers. If the debtor resides or resided in a community property state,
commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or
Wisconsin) within the eight year period immediately preceding the commencement of the case, identify the name of the debtor's spouse and of
any former spouse who resides or resided with the debtor in the community property state, commonwealth, or territory. Include all names used
by the nondebtor spouse during the eight years immediately preceding the commencement of this case. If a minor child is a codebtor or a creditor,
state the child's initials and the name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not
disclose the child's name. See, 11 U.S.C. §112 and Fed. R. Bankr. P. 1007(m).
Check this box if debtor has no codebtors.
NAME AND ADDRESS OF CODEBTOR NAME AND ADDRESS OF CREDITOR
Brian and Monica Borga 11725 Lee Highway, LLC

4527 Forest Dr. 1215 N. Fort Myer Dr., #101
Fairfax, VA 22030 Arlington, VA 22209
Brian and Monica Borga Virginia Gateway Retail L.C.

4527 Forest Dr. c/o Andrew B. Schulwolf, Esq.
Fairfax, VA 22030 2273 Research Blvd., Suite 200
Rockville, MD 20850
Brian and Monica Borga PBT Atlantic Acquisition, LLC

4527 Forest Dr. c/o Capitol Corporate Services
Fairfax, VA 22030 10 South Jefferson St., #1400
Roanoke, VA 24011
Brian Borga CAR Braemar Village, LLC

4527 Forest Dr. P.O. Box 643787
Fairfax, VA 22030 Pittsburgh, PA 15264-3787
Del Sol Tanning Braemar LLC CAR Braemar Village, LLC

c/o Richard Navari P.O. Box 643787
15110 Riding Club Dr. Pittsburgh, PA 15264-3787
Haymarket, VA 20169
Del Sol Tanning Braemar LLC PNC Bank

c/o Richard Navari Attn: Robert Patterson, VP
15110 Riding Club Dr. 1824 George Ave.
Haymarket, VA 20169 Annapolis, MD 21401
Del Sol Tanning LLC 11725 Lee Highway, LLC

c/o Richard and Pamela Navari 1215 N. Fort Myer Dr., #101
15110 Riding Club Dr. Arlington, VA 22209
Haymarket, VA 20169
Del Sol Tanning LLC PBT Atlantic Acquisition, LLC

c/o Richard and Pamela Navari c/o Capitol Corporate Services
15110 Riding Club Dr. 10 South Jefferson St., #1400
Haymarket, VA 20169 Roanoke, VA 24011
Del Sol Tanning Vienna LLC PNC Bank

c/o Richard and Pamela Navari Attn: Robert Patterson, VP
15110 Riding Club Dr. 1824 George Ave.
Haymarket, VA 20169 Annapolis, MD 21401
Manassas World Gym LLC Bull Run Plaza, LLC

c/o Richard Navari c/o Rappaport Management Co.
15110 Riding Club Dr. 8405 Greensboro Dr., Suite 830
Haymarket, VA 20169 McLean, VA 22102
2
continuation sheets attached to Schedule of Codebtors

Pamela Ann Navari
,
Debtors
Manassas World Gym LLC David Colletto

c/o Richard Navari 2817 Jermantown Rd.
15110 Riding Club Dr. Oakton, VA 22124
Haymarket, VA 20169
Manassas World Gym LLC United Leasing, Inc.

c/o Richard Navari 3700 Morgan Ave.
15110 Riding Club Dr. Evansville, IN 47715
Haymarket, VA 20169
Manassas World Gym LLC Bank of America

15110 Riding Club Dr. Wilmington, DE 19850-5027
Haymarket, VA 20169
Manassas World Gym LLC PNC Bank

15110 Riding Club Dr. Pittsburgh, PA 15274-7032
Haymarket, VA 20169
PBT Atlantic Acquisition, LLC 11725 Lee Highway, LLC

c/o Capitol Corporate Services 1215 N. Fort Myer Dr., #101
10 South Jefferson St., #1400 Arlington, VA 22209
Roanoke, VA 24011
Richmond Group, Inc. Veliz Contractors, Inc.

Joshua W. Richmond, R.A. t/a Stone Solutions
39 Stonewall Dr. 33 McWhirt Loop, Suite 104
Stafford, VA 22556 Fredericksburg, VA 22406
Richmond Group, Inc. Pool Cover Services, Inc.

Joshua W. Richmond, R.A. c/o Ron Grimm, Owner
39 Stonewall Dr. 320 Adam Rd.
Stafford, VA 22556 Frederick, MD 21701
Richmond Group, Inc. Donnelly Concrete, Inc.

Joshua W. Richmond, R.A. 92 Le Way Dr.
39 Stonewall Dr. Fredericksburg, VA 22406
Stafford, VA 22556
Spectrum Homes, Inc. Courtesy Electric

Kevin & Kathleen Goode c/o Jose Carrasquillo
P.O. Box 861426 8491 Stonewall Rd.
Warrenton, VA 20187 Manassas, VA 20110
World Gym Gainesville LLC David Colletto

c/o Richard Navari 2817 Jermantown Rd.
15110 Riding Club Dr. Oakton, VA 22124
Haymarket, VA 20169
Sheet 1 of 2 continuation sheets attached to the Schedule of Codebtors

Pamela Ann Navari
,
Debtors
World Gym Gainesville LLC The Peterson Companies

c/o Richard Navari Attn: Cindy Singer
15110 Riding Club Dr. 12500 Fairlakes Cir., #430
Haymarket, VA 20169 Fairfax, VA 22030
World Gym Gainesville LLC Macro Lease

c/o Richard Navari One West Ames Ct., Suite 101
15110 Riding Club Dr. Plainview, NY 11803
Haymarket, VA 20169
World Gym Gainesville LLC National City Health

c/o Richard Navari Care Finance
15110 Riding Club Dr. 995 Dalton Ave.
Haymarket, VA 20169 Cincinnati, OH 45203
World Gym Gainesville LLC GE Capital

15110 Riding Club Dr. Cedar Rapids, IA 52406-3083
Haymarket, VA 20169
Sheet 2 of 2 continuation sheets attached to the Schedule of Codebtors
B6I (Official Form 6I) (12/07)

In re Pamela Ann Navari Case No. 09-10099-SSM
Debtor(s)
SCHEDULE I - CURRENT INCOME OF INDIVIDUAL DEBTOR(S)

The column labeled "Spouse" must be completed in all cases filed by joint debtors and by every married debtor, whether or not a joint petition is
filed, unless the spouses are separated and a joint petition is not filed. Do not state the name of any minor child. The average monthly income
calculated 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 SPOUSE
RELATIONSHIP(S): AGE(S):
Stepson 14
Married
Stepson 17
Son 2
Employment: DEBTOR SPOUSE
Occupation Health club owner Independent sales consultant
Name of Employer World Gym Fitness Centers Scentsy
How long employed 18 months 6 weeks
Address of Employer 7500 Limestone Dr.
Gainesville, VA 20155
INCOME: (Estimate of average or projected monthly income at time case filed) DEBTOR SPOUSE
1. Monthly gross wages, salary, and commissions (Prorate if not paid monthly) $ 0.00 $ 300.00
2. Estimate monthly overtime $ 0.00 $ 0.00
3. SUBTOTAL $ 0.00 $ 300.00
4. LESS PAYROLL DEDUCTIONS

a. Payroll taxes and social security $ 0.00 $ 0.00
b. Insurance $ 0.00 $ 0.00
c. Union dues $ 0.00 $ 0.00
d. Other (Specify): $ 0.00 $ 0.00
$ 0.00 $ 0.00
5. SUBTOTAL OF PAYROLL DEDUCTIONS $ 0.00 $ 0.00
6. TOTAL NET MONTHLY TAKE HOME PAY $ 0.00 $ 300.00
7. Regular income from operation of business or profession or farm (Attach detailed statement) $ 0.00 $ 0.00
8. Income from real property $ 1,625.00 $ 1,625.00
9. Interest and dividends $ 0.00 $ 0.00
10. Alimony, maintenance or support payments payable to the debtor for the debtor's use or that of
dependents listed above $ 884.00 $ 0.00
11. Social security or government assistance
(Specify): $ 0.00 $ 0.00
$ 0.00 $ 0.00
12. Pension or retirement income $ 0.00 $ 0.00
13. Other monthly income
(Specify): $ 0.00 $ 0.00
$ 0.00 $ 0.00
14. SUBTOTAL OF LINES 7 THROUGH 13 $ 2,509.00 $ 1,625.00
15. AVERAGE MONTHLY INCOME (Add amounts shown on lines 6 and 14) $ 2,509.00 $ 1,925.00
16. COMBINED AVERAGE MONTHLY INCOME: (Combine column totals from line 15) $ 4,434.00
(Report also on Summary of Schedules and, if applicable, on
Statistical 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:
Husband hopes to begin receiving salary from his position
B6J (Official Form 6J) (12/07)

Debtor(s)
SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Complete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family at time case
filed. Prorate any payments made bi-weekly, quarterly, semi-annually, or annually to show monthly rate. The average monthly
expenses calculated on this form may differ from the deductions from income allowed on Form 22A or 22C.
Check this box if a joint petition is filed and debtor's spouse maintains a separate household. Complete a separate schedule of
expenditures labeled "Spouse."
1. Rent or home mortgage payment (include lot rented for mobile home) $ 11,250.00
a. Are real estate taxes included? Yes X No
b. Is property insurance included? Yes X No
2. Utilities: a. Electricity and heating fuel $ 1,400.00
b. Water and sewer $ 0.00
c. Telephone $ 75.00
d. Other See Detailed Expense Attachment $ 235.00
3. Home maintenance (repairs and upkeep) $ 750.00
4. Food $ 600.00
5. Clothing $ 400.00
6. Laundry and dry cleaning $ 0.00
7. Medical and dental expenses $ 250.00
8. Transportation (not including car payments) $ 250.00
9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ 400.00
10. Charitable contributions $ 0.00
11. Insurance (not deducted from wages or included in home mortgage payments)
a. Homeowner's or renter's $ 250.00
b. Life $ 0.00
c. Health $ 0.00
d. Auto $ 275.00
e. Other $ 0.00
12. Taxes (not deducted from wages or included in home mortgage payments)
(Specify) $ 0.00
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the
plan)
a. Auto $ 848.00
b. Other See Detailed Expense Attachment $ 7,755.73
14. Alimony, maintenance, and support paid to others $ 0.00
15. Payments for support of additional dependents not living at your home $ 0.00
16. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ 0.00
17. Other See Detailed Expense Attachment $ 900.00
18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and, $ 25,638.73
if applicable, on the Statistical Summary of Certain Liabilities and Related Data.)
19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year
following the filing of this document:
20. STATEMENT OF MONTHLY NET INCOME

a. Average monthly income from Line 15 of Schedule I $ 4,434.00
b. Average monthly expenses from Line 18 above $ 25,638.73
c. Monthly net income (a. minus b.) $ -21,204.73
B6J (Official Form 6J) (12/07)
Debtor(s)
SCHEDULE J - CURRENT EXPENDITURES OF INDIVIDUAL DEBTOR(S)

Detailed Expense Attachment
Other Utility Expenditures:
Gas $ 200.00
Internet $ 35.00
Total Other Utility Expenditures $ 235.00
Other Installment Payments:

GMAC vehicle lease payment $ 868.00
2nd priority deed of trust against residence $ 2,333.00
1st priority deed of trust against rental property $ 3,090.19
2nd priority deed of trust against rental property $ 1,464.54
Total Other Installment Payments $ 7,755.73
Other Expenditures:
Education expenses for son $ 400.00
SAT prep $ 100.00
Childcare $ 400.00
Total Other Expenditures $ 900.00
B6 Declaration (Official Form 6 - Declaration). (12/07)
Debtor(s) Chapter 7
DECLARATION CONCERNING DEBTOR'S SCHEDULES
DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR
I declare under penalty of perjury that I have read the foregoing summary and schedules, consisting of
33 sheets, and that they are true and correct to the best of my knowledge, information, and belief.
Date February 6, 2009 Signature /s/ Richard Joseph Navari

Debtor
Date February 6, 2009 Signature /s/ Pamela Ann Navari

Pamela Ann Navari
Joint Debtor
Penalty for making a false statement or concealing property: Fine of up to $500,000 or imprisonment for up to 5 years or both.
18 U.S.C. §§ 152 and 3571.
Software Copyright (c) 1996-2009 Best Case Solutions, Inc. - Evanston, IL - (800) 492-8037 Best Case Bankruptcy
B7 (Official Form 7) (12/07)

Debtor(s) Chapter 7
STATEMENT OF FINANCIAL AFFAIRS
This statement is to be completed by every debtor. Spouses filing a joint petition may file a single statement on which the information for
both spouses is combined. If the case is filed under chapter 12 or chapter 13, a married debtor must furnish information for both spouses whether or
not a joint petition is filed, unless the spouses are separated and a joint petition is not filed. An individual debtor engaged in business as a sole
proprietor, partner, family farmer, or self-employed professional, should provide the information requested on this statement concerning all such
activities as well as the individual's personal affairs. To indicate payments, transfers and the like to minor children, state the child's initials and the
name and address of the child's parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child's name. See, 11
U.S.C. § 112; Fed. R. Bankr. P. 1007(m).
Questions 1 - 18 are to be completed by all debtors. Debtors that are or have been in business, as defined below, also must complete
Questions 19 - 25. If the answer to an applicable question is "None," mark the box labeled "None." If additional space is needed for the answer
to any question, use and attach a separate sheet properly identified with the case name, case number (if known), and the number of the question.
DEFINITIONS
"In business." A debtor is "in business" for the purpose of this form if the debtor is a corporation or partnership. An individual debtor is "in
business" for the purpose of this form if the debtor is or has been, within six years immediately preceding the filing of this bankruptcy case, any of
the following: an officer, director, managing executive, or owner of 5 percent or more of the voting or equity securities of a corporation; a partner,
other than a limited partner, of a partnership; a sole proprietor or self-employed full-time or part-time. An individual debtor also may be "in business"
for the purpose of this form if the debtor engages in a trade, business, or other activity, other than as an employee, to supplement income from the
debtor's primary employment.
"Insider." The term "insider" includes but is not limited to: relatives of the debtor; general partners of the debtor and their relatives;
corporations of which the debtor is an officer, director, or person in control; officers, directors, and any owner of 5 percent or more of the voting or
equity securities of a corporate debtor and their relatives; affiliates of the debtor and insiders of such affiliates; any managing agent of the debtor. 11
U.S.C. § 101.
__________________________________________
1. Income from employment or operation of business
None State the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor's
business, including part-time activities either as an employee or in independent trade or business, from the beginning of this calendar
year to the date this case was commenced. State also the gross amounts received during the two years immediately preceding this
calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may
report fiscal year income. Identify the beginning and ending dates of the debtor's fiscal year.) If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT SOURCE
$600.00 2009 (ytd): Wife's income from indepentent consulting sales with Scentsy
$1,009.26 2008: Wife's income from indepentent consulting sales with Scentsy
$16,617.64 2008: Loan repayments to husband from World Gym Gainesville, LLC ($10,000); and
from Manassas World Gym, LLC ($6,617.64 of which $3,735.01 is interest income)
$55,935.00 2007: Husband's income from employment with hotel
$62,574.90 2007: Loan repayments to husband from World Gym Gainesville, LLC ($22,869.06 of
which $6,315.58 is interest income); and from Manassas World Gym, LLC ($39,705.84
of which $22,903.51 is interest income)
2. Income other than from employment or operation of business
None State the amount of income received by the debtor other than from employment, trade, profession, or operation of the debtor's business
during the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for
each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint
petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT SOURCE
$16,250.00 2008: Rental income on Cox Creek Ct. property
3. Payments to creditors
None Complete a. or b., as appropriate, and c.
a. Individual or joint debtor(s) with primarily consumer debts. List all payments on loans, installment purchases of goods or services,
and other debts to any creditor made within 90 days immediately preceding the commencement of this case unless the aggregate value
of all property that constitutes or is affected by such transfer is less than $600. Indicate with an (*) any payments that were made to a
creditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved
nonprofit budgeting and creditor counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by
either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS DATES OF AMOUNT STILL

OF CREDITOR PAYMENTS AMOUNT PAID OWING
None b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days
immediately preceding the commencement of the case unless the aggregate value of all property that constitutes or is affected by such
transfer is less than $5,475. If the debtor is an individual, indicate with an asterisk (*) any payments that were made to a creditor on
account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit
budgeting and creditor counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or
both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
AMOUNT
DATES OF PAID OR
PAYMENTS/ VALUE OF AMOUNT STILL
NAME AND ADDRESS OF CREDITOR TRANSFERS TRANSFERS OWING
None c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of
creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both
spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF CREDITOR AND AMOUNT STILL

RELATIONSHIP TO DEBTOR DATE OF PAYMENT AMOUNT PAID OWING
4. Suits and administrative proceedings, executions, garnishments and attachments
None a. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of
this bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses
whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
CAPTION OF SUIT COURT OR AGENCY STATUS OR

AND CASE NUMBER NATURE OF PROCEEDING AND LOCATION DISPOSITION
Spectrum Homes, Kevin W. & Prince William County Circuit Pending
Kathleen M. Goode v. Richard Court
and Pamela Navari
11725 Lee Highway, LLC v. Civil action Fairfax County Circuit Court Pending
Del Sol Tanning LLC, et al.,
Case No. 2008-13400
Bull Run Plaza, LLC v. Civil action Prince William Circuit Court Pending
Manassas World Gym LLC, et
al., Case No. CL 84232
CAPTION OF SUIT COURT OR AGENCY STATUS OR

AND CASE NUMBER NATURE OF PROCEEDING AND LOCATION DISPOSITION
Veliz Contractors t/a Stone Civil action Prince William County Circuit Pending
Solutions v. Richard and Court
Pamela Navari
Case No. CL81841
CAR Braemar Village, LLC v. Civil action Prince William County Circuit Pending
Del Sol Tanning Braemar, Court
LLC, et al.
David Colletto v. Manassas Pending
World Gym LLC, et al.
United Leasing, Inc. v. Prince William County Circuit Pending
Manassas World Gym LLC Court
None b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND ADDRESS OF PERSON FOR WHOSE DESCRIPTION AND VALUE OF

BENEFIT PROPERTY WAS SEIZED DATE OF SEIZURE PROPERTY
5. Repossessions, foreclosures and returns
None List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or
returned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12
or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
DATE OF REPOSSESSION,
NAME AND ADDRESS OF FORECLOSURE SALE, DESCRIPTION AND VALUE OF
CREDITOR OR SELLER TRANSFER OR RETURN PROPERTY
6. Assignments and receiverships
None a. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of
this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a
joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
DATE OF
NAME AND ADDRESS OF ASSIGNEE ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT
None b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately
preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning
property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAME AND LOCATION

NAME AND ADDRESS OF COURT DATE OF DESCRIPTION AND VALUE OF
OF CUSTODIAN CASE TITLE & NUMBER ORDER PROPERTY
7. Gifts
None List all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary
and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions
aggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by
either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF RELATIONSHIP TO DESCRIPTION AND

PERSON OR ORGANIZATION DEBTOR, IF ANY DATE OF GIFT VALUE OF GIFT
8. Losses
None List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or
since the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both
DESCRIPTION OF CIRCUMSTANCES AND, IF

DESCRIPTION AND VALUE LOSS WAS COVERED IN WHOLE OR IN PART
OF PROPERTY BY INSURANCE, GIVE PARTICULARS DATE OF LOSS
9. Payments related to debt counseling or bankruptcy
None List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation
concerning debt consolidation, relief under the bankruptcy law or preparation of the petition in bankruptcy within one year immediately
preceding the commencement of this case.
DATE OF PAYMENT, AMOUNT OF MONEY

NAME AND ADDRESS NAME OF PAYOR IF OTHER OR DESCRIPTION AND VALUE
OF PAYEE THAN DEBTOR OF PROPERTY
Allen Credit and Debt Counseling Agency 12/30/08 (Husband); 1/2/09 (Wife) $75
Tyler, Bartl, Ramsdell & Counts, P.L.C. 1/6/09 $5,500, plus $320 in applicable
700 S. Washington St., Suite 216 filing fees
Alexandria, VA 22314-3349
10. Other transfers
None a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor,
transferred either absolutely or as security within two years immediately preceding the commencement of this case. (Married debtors
filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the
spouses are separated and a joint petition is not filed.)
NAME AND ADDRESS OF TRANSFEREE, DESCRIBE PROPERTY TRANSFERRED

RELATIONSHIP TO DEBTOR DATE AND VALUE RECEIVED
None b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled
trust or similar device of which the debtor is a beneficiary.
NAME OF TRUST OR OTHER AMOUNT OF MONEY OR DESCRIPTION AND

DEVICE DATE(S) OF VALUE OF PROPERTY OR DEBTOR'S INTEREST
TRANSFER(S) IN PROPERTY
11. Closed financial accounts
None List all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or
otherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or other
financial accounts, certificates of deposit, or other instruments; shares and share accounts held in banks, credit unions, pension funds,
cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 12 or chapter 13 must
include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed,
unless the spouses are separated and a joint petition is not filed.)
TYPE OF ACCOUNT, LAST FOUR

DIGITS OF ACCOUNT NUMBER, AMOUNT AND DATE OF SALE
NAME AND ADDRESS OF INSTITUTION AND AMOUNT OF FINAL BALANCE OR CLOSING
12. Safe deposit boxes
None List each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year
immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or
depositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not
filed.)
NAMES AND ADDRESSES

NAME AND ADDRESS OF BANK OF THOSE WITH ACCESS DESCRIPTION DATE OF TRANSFER OR
OR OTHER DEPOSITORY TO BOX OR DEPOSITORY OF CONTENTS SURRENDER, IF ANY
13. Setoffs
None List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the
commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both
NAME AND ADDRESS OF CREDITOR DATE OF SETOFF AMOUNT OF SETOFF
14. Property held for another person
None List all property owned by another person that the debtor holds or controls.
DESCRIPTION AND VALUE OF

NAME AND ADDRESS OF OWNER PROPERTY LOCATION OF PROPERTY
Debtors' children Debtors have mutual possession of, and Debtors' residence
15110 Riding Club Dr. control over, miscellaneous personal
Haymarket, VA 20169 belongings of their children, with whom they
reside
15. Prior address of debtor
None If the debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor
occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate
address of either spouse.
ADDRESS NAME USED DATES OF OCCUPANCY

14849 Cox Creek Ct.; Haymarket, VA 20119 Same September 2000-May 2007
16. Spouses and Former Spouses
None If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho,
Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the
commencement of the case, identify the name of the debtor’s spouse and of any former spouse who resides or resided with the debtor in
the community property state.
NAME
17. Environmental Information.
For the purpose of this question, the following definitions apply:
"Environmental Law" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous
or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to,
statutes or regulations regulating the cleanup of these substances, wastes, or material.
"Site" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly
owned or operated by the debtor, including, but not limited to, disposal sites.
"Hazardous Material" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material,
pollutant, or contaminant or similar term under an Environmental Law
6
None a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable
or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known,
the Environmental Law:
NAME AND ADDRESS OF DATE OF ENVIRONMENTAL

SITE NAME AND ADDRESS GOVERNMENTAL UNIT NOTICE LAW
None b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous
Material. Indicate the governmental unit to which the notice was sent and the date of the notice.
NAME AND ADDRESS OF DATE OF ENVIRONMENTAL

SITE NAME AND ADDRESS GOVERNMENTAL UNIT NOTICE LAW
None c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which
the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the
docket number.
NAME AND ADDRESS OF

GOVERNMENTAL UNIT DOCKET NUMBER STATUS OR DISPOSITION
18 . Nature, location and name of business
None a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partner in a
partnership, sole proprietor, or was self-employed in a trade, profession, or other activity either full- or part-time within six years
immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities
within six years immediately preceding the commencement of this case.
If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within six
years immediately preceding the commencement of this case.
If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and
ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within six
years immediately preceding the commencement of this case.
LAST FOUR DIGITS OF

SOCIAL-SECURITY OR
OTHER INDIVIDUAL
TAXPAYER-I.D. NO. BEGINNING AND
NAME (ITIN)/ COMPLETE EIN ADDRESS NATURE OF BUSINESS ENDING DATES
11180 Main Street LLC 54-0985461 Comfort Inn University February 1997-
Center February 2007
Del Sol Tanning, LLC 54-1955707 Tanning Salon November 1999-May
2008
Del Sol Tanning 16-1646717 Tanning Salon 2004-July 2007
Vienna, LLC
Del Sol Tanning 80-0081066 Tanning Salon February 2004-August
Braemar, LLC 2008
Del Sol Tanning 20-1892115 Tanning Salon June 2005-August
Fairfax, LLC 2008
Manassas World Gym, 11-3709543 Health Club January 2004-May
LLC 2008
World Gym 20-2096916 Health Club April 2007-present
Gainesville, LLC
Scentsy 1388 Wife is self-employed as December 2008-
an Escential Consultant present
for candle company
7
None b. Identify any business listed in response to subdivision a., above, that is "single asset real estate" as defined in 11 U.S.C. § 101.
NAME ADDRESS
The following questions are to be completed by every debtor that is a corporation or partnership and by any individual debtor who is or has
been, within six years immediately preceding the commencement of this case, any of the following: an officer, director, managing executive, or
owner of more than 5 percent of the voting or equity securities of a corporation; a partner, other than a limited partner, of a partnership, a sole
proprietor or self-employed in a trade, profession, or other activity, either full- or part-time.
(An individual or joint debtor should complete this portion of the statement only if the debtor is or has been in business, as defined above,
within six years immediately preceding the commencement of this case. A debtor who has not been in business within those six years should go
directly to the signature page.)
19. Books, records and financial statements
None a. List all bookkeepers and accountants who within two years immediately preceding the filing of this bankruptcy case kept or
supervised the keeping of books of account and records of the debtor.
NAME AND ADDRESS DATES SERVICES RENDERED
None b. List all firms or individuals who within the two years immediately preceding the filing of this bankruptcy case have audited the books
of account and records, or prepared a financial statement of the debtor.
NAME ADDRESS DATES SERVICES RENDERED
None c. List all firms or individuals who at the time of the commencement of this case were in possession of the books of account and records
of the debtor. If any of the books of account and records are not available, explain.
NAME ADDRESS
None d. List all financial institutions, creditors and other parties, including mercantile and trade agencies, to whom a financial statement was
issued by the debtor within two years immediately preceding the commencement of this case.
NAME AND ADDRESS DATE ISSUED

The Peterson Companies February 2007
Attn: Cindy Singer
Fairfax, VA 22030
Macro Lease
One West Ames Ct., Suite 101
Plainview, NY 11803
Thornburg Mortgage
425 Phillips Blvd.
Ewing, NJ 08618
National City
P.O. Box 856153
20. Inventories
None a. List the dates of the last two inventories taken of your property, the name of the person who supervised the taking of each inventory,
and the dollar amount and basis of each inventory.
DOLLAR AMOUNT OF INVENTORY

DATE OF INVENTORY INVENTORY SUPERVISOR (Specify cost, market or other basis)
8
None b. List the name and address of the person having possession of the records of each of the two inventories reported in a., above.
NAME AND ADDRESSES OF CUSTODIAN OF INVENTORY

DATE OF INVENTORY RECORDS
21 . Current Partners, Officers, Directors and Shareholders
None a. If the debtor is a partnership, list the nature and percentage of partnership interest of each member of the partnership.
NAME AND ADDRESS NATURE OF INTEREST PERCENTAGE OF INTEREST
None b. If the debtor is a corporation, list all officers and directors of the corporation, and each stockholder who directly or indirectly owns,
controls, or holds 5 percent or more of the voting or equity securities of the corporation.
NATURE AND PERCENTAGE

NAME AND ADDRESS TITLE OF STOCK OWNERSHIP
22 . Former partners, officers, directors and shareholders
None a. If the debtor is a partnership, list each member who withdrew from the partnership within one year immediately preceding the
commencement of this case.
NAME ADDRESS DATE OF WITHDRAWAL
None b. If the debtor is a corporation, list all officers, or directors whose relationship with the corporation terminated within one year
immediately preceding the commencement of this case.
NAME AND ADDRESS TITLE DATE OF TERMINATION
23 . Withdrawals from a partnership or distributions by a corporation
None If the debtor is a partnership or corporation, list all withdrawals or distributions credited or given to an insider, including compensation
in any form, bonuses, loans, stock redemptions, options exercised and any other perquisite during one year immediately preceding the
commencement of this case.
NAME & ADDRESS AMOUNT OF MONEY

OF RECIPIENT, DATE AND PURPOSE OR DESCRIPTION AND
RELATIONSHIP TO DEBTOR OF WITHDRAWAL VALUE OF PROPERTY
24. Tax Consolidation Group.
None If the debtor is a corporation, list the name and federal taxpayer identification number of the parent corporation of any consolidated
group for tax purposes of which the debtor has been a member at any time within six years immediately preceding the commencement
of the case.
NAME OF PARENT CORPORATION TAXPAYER IDENTIFICATION NUMBER (EIN)
25. Pension Funds.
None If the debtor is not an individual, list the name and federal taxpayer identification number of any pension fund to which the debtor, as an
employer, has been responsible for contributing at any time within six years immediately preceding the commencement of the case.
NAME OF PENSION FUND TAXPAYER IDENTIFICATION NUMBER (EIN)
DECLARATION UNDER PENALTY OF PERJURY BY INDIVIDUAL DEBTOR
I declare under penalty of perjury that I have read the answers contained in the foregoing statement of financial affairs and any attachments thereto
and that they are true and correct.

Debtor

Pamela Ann Navari
Joint Debtor
Penalty for making a false statement: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571
B8 (Form 8) (12/08)

Debtor(s) Chapter 7
CHAPTER 7 INDIVIDUAL DEBTOR'S STATEMENT OF INTENTION
PART A - Debts secured by property of the estate. (Part A must be fully completed for EACH debt which is secured by
property of the estate. Attach additional pages if necessary.)
Property No. 1
Creditor's Name: Describe Property Securing Debt:

Consumer Loan Client Services 2007 Chevrolet Avalanche
Property will be (check one):

Surrendered Retained
If retaining the property, I intend to (check at least one):

Redeem the property
Reaffirm the debt
Other. Explain Make regular payments without formal reaffirmation agreement (for example, avoid lien using 11 U.S.C. §
522(f)).
Property is (check one):

Claimed as Exempt Not claimed as exempt
Property No. 2

Homecomings Financial Rental property located at 14849 Cox Creek Ct.; Haymarket, VA
20169


Redeem the property
Reaffirm the debt
522(f)).

B8 (Form 8) (12/08) Page 2

Property No. 3

Homecomings Financial Rental property located at 14849 Cox Creek Ct.; Haymarket, VA
20169


Redeem the property
Reaffirm the debt
522(f)).

Property No. 4

National City Single family residence located at 15110 Riding Club Dr.;
Haymarket, VA 20169


Redeem the property
Reaffirm the debt
522(f)).

B8 (Form 8) (12/08) Page 3

Property No. 5

Thornburg Mortgage Single family residence located at 15110 Riding Club Dr.;
Haymarket, VA 20169


Redeem the property
Reaffirm the debt
522(f)).

PART B - Personal property subject to unexpired leases. (All three columns of Part B must be completed for each unexpired lease.
Attach additional pages if necessary.)
Property No. 1
Lessor's Name: Describe Leased Property: Lease will be Assumed pursuant to 11

-NONE- U.S.C. § 365(p)(2):
YES NO
I declare under penalty of perjury that the above indicates my intention as to any property of my estate securing a debt and/or
personal property subject to an unexpired lease.

Debtor

Pamela Ann Navari
Joint Debtor
B22A (Official Form 22A) (Chapter 7) (12/08)

In re Pamela Ann Navari According to the information required to be entered on this statement
Debtor(s) (check one box as directed in Part I, III, or VI of this statement):
Case Number: 09-10099-SSM The presumption arises.
(If known)
The presumption does not arise.
The presumption is temporarily inapplicable.
CHAPTER 7 STATEMENT OF CURRENT MONTHLY INCOME

AND MEANS-TEST CALCULATION
In addition to Schedules I and J, this statement must be completed by every individual chapter 7 debtor, whether or not filing jointly. Unless the
exclusion in Line 1C applies, joint debtors may complete a single statement. If the exclusion in Line 1C applies, each joint filer must complete a
separate statement.
Part I. MILITARY AND NON-CONSUMER DEBTORS

Disabled Veterans. If you are a disabled veteran described in the Declaration in this Part IA, (1) check the box at the beginning of the
Declaration, (2) check the box for "The presumption does not arise" at the top of this statement, and (3) complete the verification in Part
VIII. Do not complete any of the remaining parts of this statement.
1A
Declaration of Disabled Veteran. By checking this box, I declare under penalty of perjury that I am a disabled veteran (as defined in
38 U.S.C. § 3741(1)) whose indebtedness occurred primarily during a period in which I was on active duty (as defined in 10 U.S.C. §
101(d)(1)) or while I was performing a homeland defense activity (as defined in 32 U.S.C. §901(1)).
Non-consumer Debtors. If your debts are not primarily consumer debts, check the box below and complete the verification in Part VIII.
1B Do not complete any of the remaining parts of this statement.
Declaration of non-consumer debts. By checking this box, I declare that my debts are not primarily consumer debts.
Reservists and National Guard Members; active duty or homeland defense activity. Members of a reserve component of the Armed
Forces and members of the National Guard who were called to active duty (as defined in 10 U.S.C. § 101(d)(1)) after September 11,
2001, for a period of at least 90 days, or who have performed homeland defense activity (as defined in 32 U.S.C. § 901(1)) for a period of
at least 90 days, are excluded from all forms of means testing during the time of active duty or homeland defense activity and for 540
days thereafter (the "exclusion period"). If you qualify for this temporary exclusion, (1) check the appropriate boxes and complete any
required information in the Declaration of Reservists and National Guard Members below, (2) check the box for "The presumption is
temporarily inapplicable" at the top of this statement, and (3) complete the verification in Part VIII. During your exclusion period you
are not required to complete the balance of this form, but you must complete the form no later than 14 days after the date on
which your exclusion period ends, unless the time for filing a motion raising the means test presumption expires in your case
before your exclusion period ends.
Declaration of Reservists and National Guard Members. By checking this box and making the appropriate entries below, I declare
1C that I am eligible for a temporary exclusion from means testing because, as a member of a reserve component of the Armed Forces or the
National Guard
a. I was called to active duty after September 11, 2001, for a period of at least 90 days and
I remain on active duty /or/
I was released from active duty on , which is less than 540 days before this bankruptcy case was
filed;
OR
b. I am performing homeland defense activity for a period of at least 90 days /or/

I performed homeland defense activity for a period of at least 90 days, terminating on , which is less than
540 days before this bankruptcy case was filed.
B22A (Official Form 22A) (Chapter 7) (12/08) 2
Part II. CALCULATION OF MONTHLY INCOME FOR § 707(b)(7) EXCLUSION

Marital/filing status. Check the box that applies and complete the balance of this part of this statement as directed.
a. Unmarried. Complete only Column A ("Debtor's Income") for Lines 3-11.
b. Married, not filing jointly, with declaration of separate households. By checking this box, debtor declares under penalty of perjury:
"My spouse and I are legally separated under applicable non-bankruptcy law or my spouse and I are living apart other than for the
2 purpose of evading the requirements of § 707(b)(2)(A) of the Bankruptcy Code." Complete only column A ("Debtor's Income")
for Lines 3-11.
c. Married, not filing jointly, without the declaration of separate households set out in Line 2.b above. Complete both Column A
("Debtor's Income") and Column B ("Spouse's Income") for Lines 3-11.
d. Married, filing jointly. Complete both Column A ("Debtor's Income") and Column B ("Spouse's Income") for Lines 3-11.
All figures must reflect average monthly income received from all sources, derived during the six Column A Column B
calendar months prior to filing the bankruptcy case, ending on the last day of the month before
the filing. If the amount of monthly income varied during the six months, you must divide the Debtor's Spouse's
six-month total by six, and enter the result on the appropriate line. Income Income
3 Gross wages, salary, tips, bonuses, overtime, commissions. $ $

Income from the operation of a business, profession or farm. Subtract Line b from Line a and
enter the difference in the appropriate column(s) of Line 4. If you operate more than one
business, profession or farm, enter aggregate numbers and provide details on an attachment. Do
not enter a number less than zero. Do not include any part of the business expenses entered on
4 Line b as a deduction in Part V.
Debtor Spouse
a. Gross receipts $ $
b. Ordinary and necessary business expenses $ $
c. Business income Subtract Line b from Line a $ $
Rents and other real property income. Subtract Line b from Line a and enter the difference in
the appropriate column(s) of Line 5. Do not enter a number less than zero. Do not include any
part of the operating expenses entered on Line b as a deduction in Part V.
5 Debtor Spouse
a. Gross receipts $ $
b. Ordinary and necessary operating expenses $ $
c. Rent and other real property income Subtract Line b from Line a $ $
6 Interest, dividends, and royalties. $ $
7 Pension and retirement income. $ $
Any amounts paid by another person or entity, on a regular basis, for the household
expenses of the debtor or the debtor's dependents, including child support paid for that
8
purpose. Do not include alimony or separate maintenance payments or amounts paid by your
spouse if Column B is completed. $ $
Unemployment compensation. Enter the amount in the appropriate column(s) of Line 9.
However, if you contend that unemployment compensation received by you or your spouse was a
benefit under the Social Security Act, do not list the amount of such compensation in Column A
9 or B, but instead state the amount in the space below:
Unemployment compensation claimed to
be a benefit under the Social Security Act Debtor $ Spouse $ $ $
Income from all other sources. Specify source and amount. If necessary, list additional sources
on a separate page. Do not include alimony or separate maintenance payments paid by your
spouse if Column B is completed, but include all other payments of alimony or separate
maintenance. Do not include any benefits received under the Social Security Act or payments
received as a victim of a war crime, crime against humanity, or as a victim of international or
10 domestic terrorism.
Debtor Spouse
a. $ $
b. $ $
Total and enter on Line 10 $ $
Subtotal of Current Monthly Income for § 707(b)(7). Add Lines 3 thru 10 in Column A, and, if
11
Column B is completed, add Lines 3 through 10 in Column B. Enter the total(s). $ $
Total Current Monthly Income for § 707(b)(7). If Column B has been completed, add Line 11,
12 Column A to Line 11, Column B, and enter the total. If Column B has not been completed, enter
the amount from Line 11, Column A. $
Part III. APPLICATION OF § 707(b)(7) EXCLUSION

Annualized Current Monthly Income for § 707(b)(7). Multiply the amount from Line 12 by the number 12 and
13
enter the result. $
Applicable median family income. Enter the median family income for the applicable state and household size.
14 (This information is available by family size at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)
a. Enter debtor's state of residence: b. Enter debtor's household size: $
Application of Section 707(b)(7). Check the applicable box and proceed as directed.
The amount on Line 13 is less than or equal to the amount on Line 14. Check the box for "The presumption does not arise" at the
15
top of page 1 of this statement, and complete Part VIII; do not complete Parts IV, V, VI or VII.
The amount on Line 13 is more than the amount on Line 14. Complete the remaining parts of this statement.
Complete Parts IV, V, VI, and VII of this statement only if required. (See Line 15.)
Part IV. CALCULATION OF CURRENT MONTHLY INCOME FOR § 707(b)(2)

16 Enter the amount from Line 12. $
Marital adjustment. If you checked the box at Line 2.c, enter on Line 17 the total of any income listed in Line 11,
Column B that was NOT paid on a regular basis for the household expenses of the debtor or the debtor's
dependents. Specify in the lines below the basis for excluding the Column B income (such as payment of the
spouse's tax liability or the spouse's support of persons other than the debtor or the debtor's dependents) and the
amount of income devoted to each purpose. If necessary, list additional adjustments on a separate page. If you did
17 not check box at Line 2.c, enter zero.
a. $
b. $
c. $
d. $
Total and enter on Line 17 $
18 Current monthly income for § 707(b)(2). Subtract Line 17 from Line 16 and enter the result. $
Part V. CALCULATION OF DEDUCTIONS FROM INCOME

Subpart A: Deductions under Standards of the Internal Revenue Service (IRS)
National Standards: food, clothing and other items. Enter in Line 19A the "Total" amount from IRS National
19A Standards for Food, Clothing and Other Items for the applicable household size. (This information is available at
www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) $
National Standards: health care. Enter in Line a1 below the amount from IRS National Standards for Out-of-
Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards for Out-of-Pocket
Health Care for persons 65 years of age or older. (This information is available at www.usdoj.gov/ust/ or from the
clerk of the bankruptcy court.) Enter in Line b1 the number of members of your household who are under 65 years
of age, and enter in Line b2 the number of members of your household who are 65 years of age or older. (The total
number of household members must be the same as the number stated in Line 14b.) Multiply Line a1 by Line b1 to
19B obtain a total amount for household members under 65, and enter the result in Line c1. Multiply Line a2 by Line
b2 to obtain a total amount for household members 65 and older, and enter the result in Line c2. Add Lines c1 and
c2 to obtain a total health care amount, and enter the result in Line 19B.
Household members under 65 years of age Household members 65 years of age or older
a1. Allowance per member a2. Allowance per member
b1. Number of members b2. Number of members
c1. Subtotal c2. Subtotal $
Local Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing and
20A Utilities Standards; non-mortgage expenses for the applicable county and household size. (This information is
available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court). $
Local Standards: housing and utilities; mortgage/rent expense. Enter, in Line a below, the amount of the IRS
Housing and Utilities Standards; mortgage/rent expense for your county and household size (this information is
available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter on Line b the total of the Average
Monthly Payments for any debts secured by your home, as stated in Line 42; subtract Line b from Line a and enter
20B the result in Line 20B. Do not enter an amount less than zero.
a. IRS Housing and Utilities Standards; mortgage/rental expense $
b. Average Monthly Payment for any debts secured by your
home, if any, as stated in Line 42 $
c. Net mortgage/rental expense Subtract Line b from Line a. $
Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 20A and
20B does not accurately compute the allowance to which you are entitled under the IRS Housing and Utilities
21 Standards, enter any additional amount to which you contend you are entitled, and state the basis for your
contention in the space below:
$
Local Standards: transportation; vehicle operation/public transportation expense.
You are entitled to an expense allowance in this category regardless of whether you pay the expenses of operating a
vehicle and regardless of whether you use public transportation.
Check the number of vehicles for which you pay the operating expenses or for which the operating expenses are
included as a contribution to your household expenses in Line 8.
22A
0 1 2 or more.
If you checked 0, enter on Line 22A the "Public Transportation" amount from IRS Local Standards:
Transportation. If you checked 1 or 2 or more, enter on Line 22A the "Operating Costs" amount from IRS Local
Standards: Transportation for the applicable number of vehicles in the applicable Metropolitan Statistical Area or
Census Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) $
Local Standards: transportation; additional public transportation expense. If you pay the operating expenses
for a vehicle and also use public transportation, and you contend that you are entitled to an additional deduction for
22B you public transportation expenses, enter on Line 22B the "Public Transportation" amount from IRS Local
Standards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy
court.) $
Local Standards: transportation ownership/lease expense; Vehicle 1. Check the number of vehicles for which
you claim an ownership/lease expense. (You may not claim an ownership/lease expense for more than two
vehicles.)
1 2 or more.
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
23 (available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average
Monthly Payments for any debts secured by Vehicle 1, as stated in Line 42; subtract Line b from Line a and enter
the result in Line 23. Do not enter an amount less than zero.
a. IRS Transportation Standards, Ownership Costs $
Average Monthly Payment for any debts secured by Vehicle
b. 1, as stated in Line 42 $
c. Net ownership/lease expense for Vehicle 1 Subtract Line b from Line a. $
Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you checked
the "2 or more" Box in Line 23.
Enter, in Line a below, the "Ownership Costs" for "One Car" from the IRS Local Standards: Transportation
(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the Average
Monthly Payments for any debts secured by Vehicle 2, as stated in Line 42; subtract Line b from Line a and enter
24
the result in Line 24. Do not enter an amount less than zero.
a. IRS Transportation Standards, Ownership Costs $
Average Monthly Payment for any debts secured by Vehicle
b. 2, as stated in Line 42 $
c. Net ownership/lease expense for Vehicle 2 Subtract Line b from Line a. $
Other Necessary Expenses: taxes. Enter the total average monthly expense that you actually incur for all federal,
25 state and local taxes, other than real estate and sales taxes, such as income taxes, self employment taxes, social
security taxes, and Medicare taxes. Do not include real estate or sales taxes. $
Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthly payroll
26 deductions that are required for your employment, such as retirement contributions, union dues, and uniform costs.
Do not include discretionary amounts, such as voluntary 401(k) contributions. $
Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for term
27 life insurance for yourself. Do not include premiums for insurance on your dependents, for whole life or for
any other form of insurance. $
Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are required to
28 pay pursuant to the order of a court or administrative agency, such as spousal or child support payments. Do not
include payments on past due obligations included in Line 44. $
Other Necessary Expenses: education for employment or for a physically or mentally challenged child. Enter
the total average monthly amount that you actually expend for education that is a condition of employment and for
29
education that is required for a physically or mentally challenged dependent child for whom no public education
providing similar services is available. $
Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend on
30
childcare - such as baby-sitting, day care, nursery and preschool. Do not include other educational payments. $
Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend on
health care that is required for the health and welfare of yourself or your dependents, that is not reimbursed by
31
insurance or paid by a health savings account, and that is in excess of the amount entered in Line 19B. Do not
include payments for health insurance or health savings accounts listed in Line 34. $
Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that you
actually pay for telecommunication services other than your basic home telephone and cell phone service - such as
32
pagers, call waiting, caller id, special long distance, or internet service - to the extent necessary for your health and
welfare or that of your dependents. Do not include any amount previously deducted. $
33 Total Expenses Allowed under IRS Standards. Enter the total of Lines 19 through 32. $
Subpart B: Additional Living Expense Deductions
Note: Do not include any expenses that you have listed in Lines 19-32
Health Insurance, Disability Insurance, and Health Savings Account Expenses. List the monthly expenses in
the categories set out in lines a-c below that are reasonably necessary for yourself, your spouse, or your
dependents.
34
a. Health Insurance $
b. Disability Insurance $
c. Health Savings Account $ $
Total and enter on Line 34.
If you do not actually expend this total amount, state your actual total average monthly expenditures in the space
below:
$
Continued contributions to the care of household or family members. Enter the total average actual monthly
expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically
35
ill, or disabled member of your household or member of your immediate family who is unable to pay for such
expenses. $
Protection against family violence. Enter the total average reasonably necessary monthly expenses that you
36 actually incurred to maintain the safety of your family under the Family Violence Prevention and Services Act or
other applicable federal law. The nature of these expenses is required to be kept confidential by the court. $
Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS Local
Standards for Housing and Utilities, that you actually expend for home energy costs. You must provide your case
37
trustee with documentation of your actual expenses, and you must demonstrate that the additional amount
claimed is reasonable and necessary. $
Education expenses for dependent children less than 18. Enter the total average monthly expenses that you
actually incur, not to exceed $137.50 per child, for attendance at a private or public elementary or secondary
38 school by your dependent children less than 18 years of age. You must provide your case trustee with
documentation of your actual expenses, and you must explain why the amount claimed is reasonable and
necessary and not already accounted for in the IRS Standards. $
Additional food and clothing expense. Enter the total average monthly amount by which your food and clothing
expenses exceed the combined allowances for food and clothing (apparel and services) in the IRS National
39 Standards, not to exceed 5% of those combined allowances. (This information is available at www.usdoj.gov/ust/
or from the clerk of the bankruptcy court.) You must demonstrate that the additional amount claimed is
reasonable and necessary. $
Continued charitable contributions. Enter the amount that you will continue to contribute in the form of cash or
40
financial instruments to a charitable organization as defined in 26 U.S.C. § 170(c)(1)-(2). $
41 Total Additional Expense Deductions under § 707(b). Enter the total of Lines 34 through 40 $
Subpart C: Deductions for Debt Payment
Future payments on secured claims. For each of your debts that is secured by an interest in property that you
own, list the name of the creditor, identify the property securing the debt, and state the Average Monthly Payment,
and check whether the payment includes taxes or insurance. The Average Monthly Payment is the total of all
42
amounts scheduled as contractually due to each Secured Creditor in the 60 months following the filing of the
bankruptcy case, divided by 60. If necessary, list additional entries on a separate page. Enter the total of the
Average Monthly Payments on Line 42.
Name of Creditor Property Securing the Debt Average Monthly Does payment
Payment include taxes
or insurance?
a. $ yes no
Total: Add Lines $
Other payments on secured claims. If any of debts listed in Line 42 are secured by your primary residence, a
motor vehicle, or other property necessary for your support or the support of your dependents, you may include in
your deduction 1/60th of any amount (the "cure amount") that you must pay the creditor in addition to the
43
payments listed in Line 42, in order to maintain possession of the property. The cure amount would include any
sums in default that must be paid in order to avoid repossession or foreclosure. List and total any such amounts in
the following chart. If necessary, list additional entries on a separate page.
Name of Creditor Property Securing the Debt 1/60th of the Cure Amount
a. $
Total: Add Lines $
Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such as
44 priority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy filing. Do
not include current obligations, such as those set out in Line 28. $
Chapter 13 administrative expenses. If you are eligible to file a case under Chapter 13, complete the following
chart, multiply the amount in line a by the amount in line b, and enter the resulting administrative expense.
a. Projected average monthly Chapter 13 plan payment. $

45 b. Current multiplier for your district as determined under schedules
issued by the Executive Office for United States Trustees. (This
information is available at www.usdoj.gov/ust/ or from the clerk of
the bankruptcy court.) x
c. Average monthly administrative expense of Chapter 13 case Total: Multiply Lines a and b $
46 Total Deductions for Debt Payment. Enter the total of Lines 42 through 45. $
Subpart D: Total Deductions from Income
47 Total of all deductions allowed under § 707(b)(2). Enter the total of Lines 33, 41, and 46. $
Part VI. DETERMINATION OF § 707(b)(2) PRESUMPTION

48 Enter the amount from Line 18 (Current monthly income for § 707(b)(2)) $
49 Enter the amount from Line 47 (Total of all deductions allowed under § 707(b)(2)) $
50 Monthly disposable income under § 707(b)(2). Subtract Line 49 from Line 48 and enter the result. $
60-month disposable income under § 707(b)(2). Multiply the amount in Line 50 by the number 60 and enter the
51
result. $
Initial presumption determination. Check the applicable box and proceed as directed.
The amount on Line 51 is less than $6,575. Check the box for "The presumption does not arise" at the top of page 1 of this
statement, and complete the verification in Part VIII. Do not complete the remainder of Part VI.
52
The amount set forth on Line 51 is more than $10,950 Check the box for "The presumption arises" at the top of page 1 of this
statement, and complete the verification in Part VIII. You may also complete Part VII. Do not complete the remainder of Part VI.
The amount on Line 51 is at least $6,575, but not more than $10,950. Complete the remainder of Part VI (Lines 53 through 55).
53 Enter the amount of your total non-priority unsecured debt $
54 Threshold debt payment amount. Multiply the amount in Line 53 by the number 0.25 and enter the result. $
Secondary presumption determination. Check the applicable box and proceed as directed.
The amount on Line 51 is less than the amount on Line 54. Check the box for "The presumption does not arise" at the top of page 1
of this statement, and complete the verification in Part VIII.
55
The amount on Line 51 is equal to or greater than the amount on Line 54. Check the box for "The presumption arises" at the top
of page 1 of this statement, and complete the verification in Part VIII. You may also complete Part VII.
Part VII. ADDITIONAL EXPENSE CLAIMS

Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfare of
you and your family and that you contend should be an additional deduction from your current monthly income under §
707(b)(2)(A)(ii)(I). If necessary, list additional sources on a separate page. All figures should reflect your average monthly expense for
each item. Total the expenses.
56 Expense Description Monthly Amount

a. $
b. $
c. $
d. $
Total: Add Lines a, b, c, and d $
Part VIII. VERIFICATION

I declare under penalty of perjury that the information provided in this statement is true and correct. (If this is a joint case, both debtors
must sign.)
Date: February 6, 2009 Signature: /s/ Richard Joseph Navari
57 (Debtor)
Date: February 6, 2009 Signature /s/ Pamela Ann Navari

Pamela Ann Navari
(Joint Debtor, if any)

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MADISON POLICE DEPT

ARREST REPORT lncident:201e100s5s

Report Made By:

w Sex M Weight 200

Booking Type: INTAKE

I HAVE READ THE ABOVE ACCOLINTING OF MY PROPERTY, MONEY AND

Inmate's Signature Date -- Times

Witness Date _ Times

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COURTTEIEPHoI{E NUMBER: 501-707-t412

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This is to corrmand you to forthwithtake the body of

Wihress nryhand this )

TIris the Day of

Person lD: 201812O223

Doe:ff lge:f Ethnicity: N

Race: WHITE Sex: M Appearance:

Eyes: BROWN Hair: BROWN Gomplexion: Place of Birth:

3ooking Date: 111512019 Time: 16:40

Description Released Date

1 l/5/2019 4:42:57 PtuI 1of2

cnufl4l--rRrAL {a- {a,[q

lO,\{E Oun PRACTICE PRIYACY CGNTACT

' Bachelor of Arts, English - Mississippi state university

Associations/Ba r Mem bersh ips:

Honors & Awards:

Map & Directions

Enter your zip code

Heilman Law Group' PA is located in Jackson,

RICEARD NAVARI Division: ENV

GBIENE, MICHAXL JARROD

have been advised of constitutio:ra1.4t-Pg

This day of 2019.

Flaving been fully informed of my I do hereby

This- day of 2019.

MLII{ICtrAL COURT CLERK

Related Parfy: OFF

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1004 Madison Av,6,,

Madison, Mississippi 3911

The following corrective action(sl is/are required:

Failure to comptyav /C -/ -/,f ,could result in prosecution in Madison EnvironmentalCourt. lf

Ihank you,. //8fu-44 &a;it-t-frlA

oRl#: tS0450il{10 INCIDENT REPORT

ASenry MPD llncHentNo:2019100555 Da1" Entersd:lqn7nyg Sequenca: 1

Authon GREENE, MICHAEL JARROD Title: REPORT AND CITATION

IN THE UNITED STATES BANKRUPTCY COURT

COMPLAINT TO DETERMINE DISCHARGEABILITY

U.S.C. § 1334, and this is a core matter under 28 U.S.C. § 157(b)(2)(I).

Ernest P. Francis, Esq.

intestate on or about October 29, 2006.

5. On or about November 17, 2006, Debtor Pamela Navari was appointed

6. Debtor Pamela Navari filed an appraisement of the estate of Charles C. Helmick,

Jr., with the Randolph County Commission on or about May 9, 2007.

Helmick, Jr. for what are termed “advances”.

the estate of Charles Helmick as his surviving spouse.