Information to identify the case:

Debtor 1 Lisa Yvette Calderon

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1381

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Ruben Calderon

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−9567

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia Date case filed for chapter 7 April 29, 2016

Case number: 16−32192−KLP

Official Form 309A (For Individuals or Joint Debtors)

Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline 12/15

For the debtors listed above, a case has been filed under chapter 7 of the Bankruptcy Code. An order for relief has

been entered.

This notice has important information about the case for creditors, debtors, and trustees, including information about

the meeting of creditors and deadlines. Read all pages carefully.

The filing of the case imposed an automatic stay against most collection activities. This means that creditors generally may not

take action to collect debts from the debtors or the debtors' property. For example, while the stay is in effect, creditors cannot

sue, garnish wages, assert a deficiency, repossess property, or otherwise try to collect from the debtors. Creditors cannot

demand repayment from debtors by mail, phone, or otherwise. Creditors who violate the stay can be required to pay actual and

punitive damages and attorney's fees. Under certain circumstances, the stay may be limited to 30 days or not exist at all,

although debtors can ask the court to extend or impose a stay.

The debtors are seeking a discharge. Creditors who assert that the debtors are not entitled to a discharge of any debts or who

want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office within

the deadlines specified in this notice. (See line 9 for more information.)

To protect your rights, consult an attorney. All documents filed in the case may be inspected at the bankruptcy clerk's office at

the address listed below or through PACER (Public Access to Court Electronic Records at www.pacer.gov).

The staff of the bankruptcy clerk's office cannot give legal advice.

To help creditors correctly identify debtors, debtors submit full Social Security or Individual Taxpayer Identification

Numbers, which may appear on a version of this notice. However, the full numbers must not appear on any document

filed with the court.

Do not file this notice with any proof of claim or other filing in the case. Do not include more than the last four digits of

a Social Security or Individual Taxpayer Identification Number in any document, including attachments, that you file

with the court.

About Debtor 1: About Debtor 2:

1. Debtor's full name Lisa Yvette Calderon Ruben Calderon

2. All other names used in the

last 8 years

3. Address 11633 Coachman Carriage Pl

Glen Allen, VA 23059

11633 Coachman Carriage Pl

Glen Allen, VA 23059

4. Debtor's attorney

Name and address

Richard James Oulton

America Law Group, Inc.

8501 Mayland Dr.

Suite 106

Henrico, VA 23294

Contact phone 804−308−0051

Email: 2debtlawgroup@gmail.com

5. Bankruptcy trustee

Name and address

Lynn L. Tavenner

20 North Eighth Street, Second Floor

Richmond, VA 23219

Contact phone (804) 783−8300

Email: ltavenner@tb−lawfirm.com

For more information, see page 2 >

Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 1

Case 16-32192-KLP Doc 9 Filed 05/04/16 Entered 05/05/16 00:25:36 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Lisa Yvette Calderon and Ruben Calderon Case number 16−32192−KLP

6. Bankruptcy clerk's office

Documents in this case may be

filed at this address. You may

inspect all records filed in this case

at this office or online at

www.pacer.gov.

McVCIS 24−hour case

information:

Toll Free 1−866−222−8029

701 East Broad Street

Richmond, VA 23219

Hours open Monday − Friday, 9:00 AM − 4:00 PM

ET, except on holidays.

Contact phone 804−916−2400

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

Date: May 2, 2016

7. Meeting of creditors

Debtors must attend the meeting to be

questioned under oath. In a joint case,

both spouses must attend. Creditors may

attend, but are not required to do so.

June 6, 2016 at 12:00 PM

The meeting may be continued or adjourned to a

later date. If so, the date will be on the court

docket.

Location:

Office of the U.S. Trustee, 701

East Broad Street − Suite 4300,

Richmond, VA 23219−1885

8. Presumption of abuse

If the presumption of abuse arises, you

may have the right to file a motion to

dismiss the case under 11 U.S.C. §

707(b). Debtors may rebut the

presumption by showing special

circumstances.

The presumption of abuse does not arise.

9. Deadlines

The bankruptcy clerk's office must receive

these documents and any required filing

fee by the following deadlines.

File by the deadline to object to discharge or to

challenge whether certain debts are

dischargeable:

You must file a complaint:

• if you assert that the debtor is not entitled to

 receive a discharge of any debts under any of

 the subdivisions of 11 U.S.C. § 727(a)(2)

 through (7),

 or

• if you want to have a debt excepted from

 dischargeunder 11 U.S.C § 523(a)(2),

 (4), or (6).

You must file a motion:

• if you assert that the discharge should be

 denied under § 727(a)(8) or (9).

Filing deadline: August 5, 2016

Deadline to object to exemptions:

The law permits debtors to keep certain property

as exempt. If you believe that the law does not

authorize an exemption claimed, you may file an

objection.

Filing deadline: 30 days after the

conclusion of the meeting of

creditors

10. Proof of claim

Please do not file a proof of claim unless

you receive a notice to do so.

No property appears to be available to pay creditors. Therefore, please do not file a

proof of claim now. If it later appears that assets are available to pay creditors, the clerk

will send you another notice telling you that you may file a proof of claim and stating the

deadline.

11. Creditors with a foreign address If you are a creditor receiving a notice mailed to a foreign address, you may file a motion

asking the court to extend the deadlines in this notice. Consult an attorney familiar with

United States bankruptcy law if you have any questions about your rights in this case.

For more information, see page 3 >

Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 2

Case 16-32192-KLP Doc 9 Filed 05/04/16 Entered 05/05/16 00:25:36 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Lisa Yvette Calderon and Ruben Calderon Case number 16−32192−KLP

12. Exempt property The law allows debtors to keep certain property as exempt. Fully exempt property will not be

sold and distributed to creditors. Debtors must file a list of property claimed as exempt. You

may inspect that list at the bankruptcy clerk's office or online at www.pacer.gov. If you believe

that the law does not authorize an exemption that the debtors claim, you may file an

objection. The bankruptcy clerk's office must receive the objection by the deadline to object to

exemptions in line 9.

13. 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.

14. Payment of Fees for

Richmond Case and

Adversary Filing 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)

ATTENTION DEBTORS: Receive your court notices and orders by email through the DeBN. Same−day delivery. Convenient

Access. Free. For more information and to download the request form, go to www.vaeb.uscourts.gov) and select the Debtor

Electronic Bankruptcy Noticing link from the ATTENTION DEBTORS DeBN banner.

Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 3

Case 16-32192-KLP Doc 9 Filed 05/04/16 Entered 05/05/16 00:25:36 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 16-32192-KLP

Lisa Yvette Calderon Chapter 7

Ruben Calderon

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-7 User: cummingsj Page 1 of 2 Date Rcvd: May 02, 2016

 Form ID: 309A Total Noticed: 38

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

May 04, 2016.

db/jdb +Lisa Yvette Calderon, Ruben Calderon, 11633 Coachman Carriage Pl,

 Glen Allen, VA 23059-8511

13356451 +Action Payday, Flandreau Santee Sioux Tribe, PO Box 283 603 W Broad Ave,

 Flandreau, SD 57028-0283

13356452 +American Web Loan, 2128 N 14th St, Suite 1 #130, Ponca City, OK 74601-1831

13356453 +Bon Secours, PO Box 28538, Henrico, VA 23228-8538

13356454 +C3 Pharmacy, C3 Healthcare Rx, 2306 N Lombardy St., Richmond, VA 23220-1518

13356458 +Commonwealth Lab Consultants, PO Box 36559, Richmond, VA 23235-8011

13356459 #Continental Emergency Services, 111 Bulifants Blvd, Suite B, Williamsburg, VA 23188-5711

13356461 +Crossen Family Practice, 7605 Forest Ave., Henrico, VA 23229-4939

13356463 +Diamond Springs Water, 4100 Diamond Springs Dr., Henrico, VA 23231-7538

13356465 ++FOCUSED RECOVERY SOLUTIONS, 9701 METROPOLITAN COURT, STE B, RICHMOND VA 23236-3690

 (address filed with court: Focused Recovery Solutions, 9701-Metropolitan Ct, Ste B,

 Richmond, VA 23236-0000)

13356466 +Garfield Family Dentistry, 5500 Monument Ave #G, Richmond, VA 23226-1452

13356468 LabCorp, PO Box 2240, Burlington, NC 27216-2240

13356470 +MCV Physicians, 1601 Willow Lawn Dr, Ste 275, Richmond, VA 23230-3422

13356469 +Massey Cancer Surgery Cntr, P.O. Box 980037, Richmond, VA 23298-0037

13356471 +Midland Funding, 2365 Northside Dr, Suite 300, San Diego, CA 92108-2709

13356472 +Nj High Ed, Attn: Bankruptcy Dept, PO Box 548, Trenton, NJ 08625-0548

13356475 #+OneMain Financial, Inc., 300 St. Paul Place, Baltimore, MD 21202-2120

13356473 +Onemain Financial, 6801 Colwell Blvd, Ntsb-2320, Irving, TX 75039-3198

13356477 +PMAB, LLC, 4135 South Stream Blvd, Suite 400, Charlotte, NC 28217-4636

13356476 +Patient First, PO Box 758941, Baltimore, MD 21275-8941

13356478 +Radiology Associates of Rchmnd, 2602 Buford Road, Richmond, VA 23235-3422

13356480 +Seventh Ave, 1112 7th Ave, Monroe, WI 53566-1364

13356481 +St. Mary’s Hospital, PO Box 28538, Henrico, VA 23228-8538

13358928 +U.S. Attorney, 919 E Main Street, Suite 1900, Richmond, VA 23219-4622

13356483 VCI, 6605 W Broad St, Ste C, Richmond, VA 23230-1714

13356484 VCU Health System -- MCV Hosp., Set-off Debt Section, PO Box 980462,

 Richmond, VA 23298-0462

13356485 +White Hills Cash, Island Finance, P.O. Box 330, Hays, MT 59527-0330

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

aty E-mail/Text: 2debtlawgroup@gmail.com May 03 2016 02:29:13 Richard James Oulton,

 America Law Group, Inc., 8501 Mayland Dr., Suite 106, Henrico, VA 23294

tr +EDI: QLLTAVENNER.COM May 03 2016 02:18:00 Lynn L. Tavenner,

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

13356455 +E-mail/Text: opsqa_usbankruptcy@cashnetusa.com May 03 2016 02:29:21 CashnetUSA,

 attn: Bankruptcy, 175 W Jackson Blvd Ste 1000, Chicago, IL 60604-2863

13356456 +E-mail/Text: bkrpt01@maxprofitsys.com May 03 2016 02:30:07 Charlottesville Bureau,

 P.O. Box 6220, Charlottesvill, VA 22906-6220

13356457 E-mail/PDF: BANKRUPTCY.NOTICES@RICHMONDGOV.COM May 03 2016 02:33:06 City of Richmond,

 Division of Collections, PO Box 26505, Richmond, VA 23261-6505

13356460 +EDI: RCSFNBMARIN.COM May 03 2016 02:18:00 Credit One Bank Na, PO Box 98873,

 Las Vegas, NV 89193-8873

13356462 +E-mail/Text: electronicbkydocs@nelnet.net May 03 2016 02:30:12 Dept of Ed/Nelnet, Claims,

 PO Box 82505, Lincoln, NE 68501-2505

13356464 +EDI: DVTM.COM May 03 2016 02:18:00 Dt Credit Co, Attn: Bankruptcy Dept, PO Box 29018,

 Phoenix, AZ 85038-9018

13356467 EDI: HCA2.COM May 03 2016 02:19:00 Henrico Doctor’s Hospital, PO Box 13620,

 Richmond, VA 23225-8620

13356475 +E-mail/Text: OMbknotifications@Onemainfinancial.com May 03 2016 02:30:58 

 OneMain Financial, Inc., 300 St. Paul Place, Baltimore, MD 21202-2120

13356473 +E-mail/Text: OMbknotifications@Onemainfinancial.com May 03 2016 02:30:58 Onemain Financial,

 6801 Colwell Blvd, Ntsb-2320, Irving, TX 75039-3198

13356479 +E-mail/Text: colleen.atkinson@rmscollect.com May 03 2016 02:30:59 Receivable Management,

 7206 Hull Street Rd Ste, North Chesterfield, VA 23235-5826

13356482 Fax: 912-629-1539 May 03 2016 02:56:31 TitleMax Finance LLC, attn: Bankruptcy Dept,

 15 Bull Street, Suite 200, Savannah, GA 31401-0000

 TOTAL: 13

 ***** BYPASSED RECIPIENTS (undeliverable, * duplicate) *****

13356474 ##OneMain Financial, 12639 Jeff Davis Hwy, Chester, VA 23831-5307

 TOTALS: 0, * 0, ## 1

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

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

Transmission times for electronic delivery are Eastern Time zone.

Addresses marked ’++’ were redirected to the recipient’s preferred mailing address

pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

Case 16-32192-KLP Doc 9 Filed 05/04/16 Entered 05/05/16 00:25:36 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: cummingsj Page 2 of 2 Date Rcvd: May 02, 2016

 Form ID: 309A Total Noticed: 38

 ***** BYPASSED RECIPIENTS (continued) *****

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.

Addresses marked ’##’ were identified by the USPS National Change of Address system as undeliverable. Notices

will no longer be delivered by the USPS to these addresses; therefore, they have been bypassed. The

debtor’s attorney or pro se debtor was advised that the specified notice was undeliverable.

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 309): 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: May 04, 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 April 30, 2016 at the address(es) listed below:

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

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

 Richard James Oulton on behalf of Debtor Lisa Yvette Calderon 2debtlawgroup@gmail.com, 

 thedebtlawgroupmail@gmail.com;DLGHearings@gmail.com;jkrumbein@krumbeinlaw.com

 Richard James Oulton on behalf of Joint Debtor Ruben Calderon 2debtlawgroup@gmail.com, 

 thedebtlawgroupmail@gmail.com;DLGHearings@gmail.com;jkrumbein@krumbeinlaw.com

 TOTAL: 3

Case 16-32192-KLP Doc 9 Filed 05/04/16 Entered 05/05/16 00:25:36 Desc Imaged

 Certificate of Notice Page 5 of 5