Information to identify the case:

Debtor 1 William Behm Rains

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−8942

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing) First Name Middle Name Last Name

Social Security number or ITIN _ _ _ _

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia

Case number: 15−35705−KRH

Discharge of Debtor 12/15

IT IS ORDERED: A discharge under 11 U.S.C. § 727 is granted to:

William Behm Rains

February 19, 2016 For the court: William C. Redden

Clerk

Explanation of Bankruptcy Discharge in a Chapter 7 Case

This order does not close or dismiss the case,

and it does not determine how much money, if

any, the trustee will pay creditors.

This order does not prevent debtors from paying

any debt voluntarily or from paying reaffirmed

debts according to the reaffirmation agreement.

11 U.S.C. § 524(c), (f).

Creditors cannot collect discharged debts

This order means that no one may make any

attempt to collect a discharged debt from the

debtors personally. For example, creditors

cannot sue, garnish wages, assert a deficiency,

or otherwise try to collect from the debtors

personally on discharged debts. Creditors cannot

contact the debtors by mail, phone, or otherwise

in any attempt to collect the debt personally.

Creditors who violate this order can be required

to pay debtors damages and attorney's fees.

However, a creditor with a lien may enforce a

claim against the debtors' property subject to that

lien unless the lien was avoided or eliminated.

For example, a creditor may have the right to

foreclose a home mortgage or repossess an

automobile.

Most debts are discharged

Most debts are covered by the discharge, but not

all. Generally, a discharge removes the debtors'

personal liability for debts owed before the

debtors' bankruptcy case was filed.

Also, if this case began under a different chapter

of the Bankruptcy Code and was later converted

to chapter 7, debts owed before the conversion

are discharged.

In a case involving community property: Special

rules protect certain community property owned

by the debtor's spouse, even if that spouse did

not file a bankruptcy case.

For more information, see page 2 >

Official Form 318 Discharge of Debtor page 1

Case 15-35705-KRH Doc 13 Filed 02/21/16 Entered 02/22/16 00:26:32 Desc Imaged

 Certificate of Notice Page 1 of 3
Some debts are not discharged

Examples of debts that are not discharged are:

debts that are domestic support

obligations;

♦ 

♦ debts for most student loans;

♦ debts for most taxes;

debts that the bankruptcy court has

decided or will decide are not discharged

in this bankruptcy case;

♦ 

debts for most fines, penalties,

forfeitures, or criminal restitution

obligations;

♦ 

some debts which the debtors did not

properly list;

♦ 

debts for certain types of loans owed to

pension, profit sharing, stock bonus, or

retirement plans; and

♦ 

debts for death or personal injury caused

by operating a vehicle while intoxicated.

♦ 

Also, debts covered by a valid reaffirmation

agreement are not discharged.

In addition, this discharge does not stop

creditors from collecting from anyone else who

is also liable on the debt, such as an insurance

company or a person who cosigned or

guaranteed a loan.

This information is only a general summary

of the bankruptcy discharge; some

exceptions exist. Because the law is

complicated, you should consult an

attorney to determine the exact effect of the

discharge in this case.

Official Form 318 Discharge of Debtor page 2

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 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 15-35705-KRH

William Behm Rains Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: luedecket Page 1 of 1 Date Rcvd: Feb 19, 2016

 Form ID: 318 Total Noticed: 16

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on

Feb 21, 2016.

db +William Behm Rains, 13508 Kingscross Ct., Midlothian, VA 23114-4467

13124709 +Cbna, Po Box 6497, Sioux Falls, SD 57117-6497

13124712 +Citizens One Auto Fin, 480 Jefferson Blvd, Warwick, RI 02886-1359

13124713 Commonwealth of VA-Tax, P.O. Box 2156, Richmond, VA 23218-2156

13124715 +Equidata, 724 Thimble Shoals Blvd, Newport News, VA 23606-2574

13124716 +Home Furnishings, 5324 Virginia Beach Blvd, Virginia Beach, VA 23462-1828

13124718 #+Insight Physicians, Post Office Box 9577, Richmond, VA 23228-0577

Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center.

tr +EDI: QLLTAVENNER.COM Feb 20 2016 01:53:00 Lynn L. Tavenner,

 20 North Eighth Street, Second Floor, Richmond, VA 23219-3302

13124707 EDI: BANKAMER.COM Feb 20 2016 01:53:00 Bk Of Amer, Po Box 982235,

 El Paso, TX 79998-0000

13124708 EDI: CAPITALONE.COM Feb 20 2016 01:53:00 Capital One Bank Usa N, 15000 Capital One Dr,

 Richmond, VA 23238-0000

13124710 +EDI: CHASE.COM Feb 20 2016 01:53:00 Chase Card, Po Box 15298, Wilmington, DE 19850-5298

13124711 +EDI: CITICORP.COM Feb 20 2016 01:53:00 Citi, Po Box 6241, Sioux Falls, SD 57117-6241

13124714 +EDI: DISCOVER.COM Feb 20 2016 01:53:00 Discover Fin Svcs Llc, Po Box 15316,

 Wilmington, DE 19850-5316

13124717 +EDI: HFC.COM Feb 20 2016 01:53:00 Hsbc Bank, Po Box 9, Buffalo, NY 14240-0009

13124719 EDI: IRS.COM Feb 20 2016 01:53:00 Internal Revenue Service, Centralized Insolvency Unit,

 P O Box 7346, Philadelphia, PA 19101-7346

13124720 +EDI: PRA.COM Feb 20 2016 01:53:00 Portfolio Recovery Ass, 120 Corporate Blvd Ste 1,

 Norfolk, VA 23502-4962

 TOTAL: 9

 ***** BYPASSED RECIPIENTS *****

NONE. TOTAL: 0

Addresses marked ’+’ were corrected by inserting the ZIP or replacing an incorrect ZIP.

USPS regulations require that automation-compatible mail display the correct ZIP.

Addresses marked ’#’ were identified by the USPS National Change of Address system as requiring an update.

While the notice was still deliverable, the notice recipient was advised to update its address with the court

immediately.

I, Joseph Speetjens, declare under the penalty of perjury that I have sent the attached document to the above listed entities in the manner

shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and belief.

Meeting of Creditor Notices only (Official Form 9): Pursuant to Fed. R. Bank. P. 2002(a)(1), a notice containing the complete Social Security

Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains the redacted SSN as required by the

bankruptcy rules and the Judiciary’s privacy policies.

Date: Feb 21, 2016 Signature: /s/Joseph Speetjens

_

 CM/ECF NOTICE OF ELECTRONIC FILING

The following persons/entities were sent notice through the court’s CM/ECF electronic mail (Email)

system on February 19, 2016 at the address(es) listed below:

 Christopher Mark Winslow on behalf of Debtor William Behm Rains chris@chriswinslow.com, 

 winslowparalegal@gmail.com

 Lynn L. Tavenner ltavenner@tb-lawfirm.com, 

 sleadbeater@tb-lawfirm.com;amorris@tb-lawfirm.com;ltavenner@ecf.epiqsystems.com

 TOTAL: 2

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 Certificate of Notice Page 3 of 3