B9I (Official Form 9I) (Chapter 13 Case) (6/15) Case Number 15−34817−KRH

UNITED STATES BANKRUPTCY COURT

Eastern District of Virginia

Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & Deadlines

 The debtor(s) listed below filed a chapter 13 bankruptcy case on September 17, 2015.

You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights.

Electronically filed documents may be viewed on Court's web site, www.vaeb.uscourts.gov. Computer access available inClerk's Office at

address shown below. NOTE: The staff of the bankruptcy clerk's office cannot give legal advice.

Creditors −− Do not file this notice in connection with any proof of claim you submit to the

court.

See Reverse Side For Important Explanations.

Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address):

Christopher Alan Quinn

6400 Oak Front Court

#201

Henrico, VA 23231

Case Number: 15−34817−KRH

Office Code: 3

Last four digits of Social−Security or Individual Taxpayer−ID(ITIN)

No(s)./Complete EIN: 

xxx−xx−4263

Attorney for Debtor(s) (name and address): 

Nisha Ryan Patel

Pagano & Marks, PC

4510 S. Laburnum Avenue

Richmond, VA 23231

Telephone number: (804) 447−1002

Bankruptcy Trustee (name and address): 

Suzanne E. Wade

P.O. Box 1780

Richmond, VA 23218−1780

Telephone number: (804) 775−0979

Meeting of Creditors

Date: November 5, 2015 Time: 09:00 AM

Location: Office of the U.S. Trustee, 701 East Broad Street − Suite 4300, Richmond, VA 23219−1885

Deadlines:

Papers must be received by the bankruptcy clerk's office by the following deadlines:

Deadline to File a Proof of Claim

For all creditors (except a governmental unit): February 3, 2016 For a governmental unit: March 15, 2016

Deadline to file an Objection to a Proof of Claim is 90 days after the deadline set forth above to file a Proof of Claim.

Deadline to File a Complaint to Determine Dischargeability of Certain Debts: January 4, 2016

Deadline to Object to Exemptions:

Thirty (30) days after the conclusion of the meeting of creditors or within thirty (30) days after any amendment to the list or supplemental

schedules is filed, whichever is later.

Filing of Chapter 13 Plan and Related Motions and Hearing on Confirmation

Local Rule 3015−2 requires attorney for debtor(s) or pro se debtor(s) to serve the Chapter 13 Plan and Related Motions on creditors and

interested parties. Objections must be filed not later than 7 days prior to the date set for the confirmation hearing. If no objections are

timely filed, there will be no confirmation hearing. Timely filed objections will be heard at the confirmation hearing scheduled to be

held:

Date: December 9, 2015 Time: 11:10 AM

Location: Judge Huennekens − Courtroom, U. S. Bankruptcy Court, 701 E. Broad St., Rm. 5000, Richmond, VA 23219

Creditors May Not Take Certain Actions:

In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor, the debtor's

property, and certain codebtors. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can

request the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you

may be penalized. Consult a lawyer to determine your rights in this case.

Creditor with a Foreign Address:

A creditor to whom this notice is sent at a foreign address should read the information under "Claims" on the reverse side.

Address of the Bankruptcy Clerk's Office:

701 East Broad Street

Richmond, VA 23219

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

McVCIS 24−hour case information:

Toll Free 1−866−222−8029

Date: September 18, 2015

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 Certificate of Notice Page 1 of 3
EXPLANATIONS B9I (Official Form 9I) (6/15)

Filing of Chapter 13

Bankruptcy Case

A bankruptcy case under Chapter 13 of the Bankruptcy Code (title 11, United States Code) has been filed in this

court by the debtor(s) listed on the front side, and an order for relief has been entered. Chapter 13 allows an

individual with regular income and debts below a specified amount to adjust debts pursuant to a plan. A plan is not

effective unless confirmed by the bankruptcy court. You may object to confirmation of the plan and appear at the

confirmation hearing. A copy or summary of the plan, if not enclosed, will be sent to you later, and if the

confirmation hearing is not indicated on the front of this notice, you will be sent notice of the confirmation hearing.

The debtor will remain in possession of the debtor's property and may continue to operate the debtor's business, if

any, unless the court orders otherwise.

Legal Advice The staff of the bankruptcy clerk's office cannot give legal advice. Consult a lawyer to determine your rights in

this case.

Creditors Generally

May Not Take Certain

Actions

Prohibited collection actions against the debtor and certain codebtors are listed in Bankruptcy Code § 362 and §

1301. Common examples of prohibited actions include contacting the debtor by telephone, mail or otherwise to

demand repayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor's

property; starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor's wages. Under

certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court

to extend or impose a stay.

Meeting of Creditors A meeting of creditors is scheduled for the date, time and location listed on the front side. The debtor (both spouses

in a joint case) must be present at the meeting to be questioned under oath by the trustee and by creditors. Creditors

are welcome to attend, but are not required to do so. The meeting may be continued and concluded at a later date

specified in a notice filed with the court.

Claims A Proof of Claim is a signed statement describing a creditor's claim. A Proof of Claim form ("official Form B 10")

can be obtained at the United States Courts Web site:

(http://www.uscourts.gov/FormsAndFees/Forms/BankruptcyForms.aspx) or at any bankruptcy clerk's office. A

secured creditor retains rights in its collateral regardless of whether that creditor files a Proof of Claim. If you do not

file a Proof of Claim by the "Deadline to file a Proof of Claim" listed on the front side, you might not be paid any

money on your claim from other assets in the bankruptcy case. To be paid you must file a Proof of Claim even if

your claim is listed in the schedules filed by the debtor. Filing a Proof of Claim submits the creditor to the

jurisdiction of the bankruptcy court, with consequences a lawyer can explain. For example, a secured creditor who

files a Proof of Claim may surrender important nonmonetary rights, including the right to a jury trial. Filing

Deadline for a Creditor with a Foreign Address: The deadlines for filing claims set forth on the front of this

notice apply to all creditors. If this notice has been mailed to a creditor at a foreign address, the creditor may file a

motion requesting the court to extend the deadline. Any attachment must be on 8 1/2" by 11" paper. To receive

an acknowledgment that your proof of claim has been receive, you must provide an additional copy and

postage paid, self−addressed envelope.

Do not include this notice with any filing you make with the court.

Discharge of Debts The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you may

never try to collect the debt from the debtor. If you believe that a debt owed to you is not dischargeable under

Bankruptcy Code § 523 (a)(2) or (4), you must start a lawsuit by filing a complaint in the bankruptcy clerk's office

by the "Deadline to File a Complaint to Determine Dischargeability of Certain Debts" listed on the front side. The

bankruptcy clerk's office must receive the complaint and any required filing fee by that deadline.

Exempt Property The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributed

to creditors, even if the debtor's case is converted to chapter 7. The debtor must file a list of all property claimed as

exempt. You may inspect that list at the bankruptcy clerk's office. If you believe that an exemption claimed by the

debtor is not authorized by law, you may file an objection to that exemption. The bankruptcy clerk's office must

receive the objection by the "Deadline to Object to Exemptions" listed on the front side.

Creditor with a

Foreign Address

Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this

case.

Bankruptcy Clerk's

Office

Any document that you file in this bankruptcy case should be filed either electronically, or with the Clerk's Office in

Richmond. You may view electronically filed documents, including list of debtor's property and debts and list of

property claimed exempt, on Clerk's web site, www.vaeb.uscourts.gov, or at Clerk's office in Richmond. See address

on front side of this notice.

−− Refer to Other Side for Important Deadlines and Notices −−

LOCAL RULE DISMISSAL WARNING: Case may be dismissed for failure to timely file lists, schedules and statements, or to attend

meeting of creditors. (Local Bankruptcy Rules 1007−1, 1007−3, and 2003−1.) Trustee may at the meeting give notice of intention to abandon

property burdensome or of inconsequential value or intent to sell nonexempt property that has an aggregate gross value less than $2,500.

Objections thereto must be filed pursuant to Local Bankruptcy Rules 6004−2 and 6007−1.

PAYMENT OF FEES FOR RICHMOND CASE AND ADVERSARY FILINGS AND MISCELLANEOUS REQUESTS: Exact

Change Only accepted as of February 4, 2008, for payment of fees and services. Payment may be made by non−debtor's check, money order,

cashier's check or a 'not to exceed check' made payable to Clerk, U.S. Bankruptcy Court, or any authorized non−debtor's credit card.

Electronic bankruptcy notices are delivered faster than the U.S. Mail if you have a PC with Internet connection or a Fax machine. For more

information, go to http://ebn.uscourts.gov or call, toll free: 877−837−3424. Case/docket information available on Internet @

www.vaeb.uscourts.gov

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 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 15-34817-KRH

Christopher Alan Quinn Chapter 13

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: manleyc Page 1 of 1 Date Rcvd: Sep 18, 2015

 Form ID: B9I Total Noticed: 21

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

Sep 20, 2015.

db +Christopher Alan Quinn, 6400 Oak Front Court, #201, Henrico, VA 23231-4861

tr Suzanne E. Wade, P.O. Box 1780, Richmond, VA 23218-1780

13056928 +Central Furniture Company, Inc, 3700 Mechanicsville Tpk, Richmond, VA 23223-1332

13056929 +Check City Check Cashing, 6001 West Broad Street, Richmond, VA 23230-2221

13056930 +Compucredit/hrb Bank/e, 1 H And R Block Way, Kansas City, MO 64105-1905

13056933 +Eugene Perry, 3307 Church Road, Suite 100, Henrico, VA 23233-1813

13056935 +H&r Emerald, P.o. Box 105374, Atlanta, GA 30348-5374

13056936 Henrico County GDC, P.O. Box 90775, 4301 E. Parham Road, Richmond, VA 23273-0775

13056937 +Horizon Fin, 8585 Broadway #88, Merrillville, IN 46410-7064

13056939 +Midland Funding, 2365 Northside Dr Ste 30, San Diego, CA 92108-2709

13056941 +Richmond City GDC, 400 N. 9th Street, 2nd Floor, Suite 203, Richmond, VA 23219-1540

13056944 +Vision Auto LLC, 404 W. Williamsburg Road, Ste C, Sandston, VA 23150-1462

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

aty E-mail/Text: npatel@paganomarks.com Sep 19 2015 01:46:09 Nisha Ryan Patel,

 Pagano & Marks, PC, 4510 S. Laburnum Avenue, Richmond, VA 23231

13056927 +E-mail/Text: bankruptcy@rentacenter.com Sep 19 2015 01:47:16 Acceptance Now,

 5501 Headquarters Dr, Plano, TX 75024-5837

13056931 EDI: RCSFNBMARIN.COM Sep 19 2015 01:23:00 Credit One Bank, P.O. Box 98872,

 Las Vegas, NV 89193-8872

13056932 +EDI: NAVIENTFKASMDOE.COM Sep 19 2015 01:23:00 Dept Of Ed/navient, Po Box 9635,

 Wilkes Barre, PA 18773-9635

13056934 Fax: 614-760-4092 Sep 19 2015 02:18:46 First Virginia, 7001 Post Road Ste 300,

 Dublin, OH 43016-0000

13056938 EDI: IRS.COM Sep 19 2015 01:23:00 Internal Revenue Service, 400 N. 8th Street, Box 76,

 Insolvency Units - Stop Rm 898, Richmond, VA 23219-0000

13056940 E-mail/Text: skakalis@nicfn.com Sep 19 2015 01:46:34 Nicholas Financial Inc,

 2454 Mcmullen, Clearwater, FL 33759-0000

13056942 +E-mail/Text: External.Collections@phoenix.edu Sep 19 2015 01:47:11 University Of Phoenix,

 4615 E Elwood St Fl 3, Phoenix, AZ 85040-1908

13056943 +EDI: VACU.COM Sep 19 2015 01:23:00 Virginia Credit Union, P.O. Box 90010,

 Richmond, VA 23225-9010

 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.

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: Sep 20, 2015 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 September 18, 2015 at the address(es) listed below:

 Nisha Ryan Patel on behalf of Debtor Christopher Alan Quinn npatel@paganomarks.com, 

 kdodson@paganomarks.com,btate@paganomarks.com,hearl@paganomarks.com,stingle@paganomarks.com,

 attorneynrp@gmail.com

 Suzanne E. Wade station08@ricva.net, ecfsummary@ricva.net

 TOTAL: 2

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 Certificate of Notice Page 3 of 3