Cheryl Cibula Payne

UNITED STATES BANKRUPTCY COURT EASTERN DISTRICT OF VIRGINIA Richmond Division In re: Cheryl Cibula Payne, 20-30524-KLP Debtor. Chapter 13 MEMORANDUM OPINION Debtor Cheryl Cibula Payne (the “Debtor”) requested that the Court enter a Rule to Show Cause (the “Application”) against respondents Thomas Clifford Payne, James M. Goff, II, (“Goff”) and James M. Goff, II, P.C. (“Goff, P.C.) (collectively, the “Respondents”) for their alleged violations of the automatic stay of § 362 of the Bankruptcy Code,

11 U.S.C. § 362

(hereinafter referred to as “§ 362”). In particular, the Debtor complained of the…