Information to identify the case:

Debtor 1 Melissa Lupine Campos−Poehnert

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−0541

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: 17−10778−BFK

Discharge of Debtor 12/15

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

Melissa Lupine Campos−Poehnert

aka Melissa Lupine Poenhert

June 7, 2017 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 17-10778-BFK Doc 13 Filed 06/10/17 Entered 06/11/17 00:25:25 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

Case 17-10778-BFK Doc 13 Filed 06/10/17 Entered 06/11/17 00:25:25 Desc Imaged

 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 17-10778-BFK

Melissa Lupine Campos-Poehnert Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-9 User: admin Page 1 of 1 Date Rcvd: Jun 08, 2017

 Form ID: 318 Total Noticed: 12

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

Jun 10, 2017.

db +Melissa Lupine Campos-Poehnert, 8300 Georgetown Pike, Mc Lean, VA 22102-1220

13794872 +New England Cryogenics Center, 500 Donald J. Lynch Boulevard, Marlborough, MA 01752-4716

13794873 Nissan, Norfolk, VA 23502-0000

13794874 +Rushmore Loan Mgmt Ser, 15480 Laguna Canyon Rd S, Irvine, CA 92618-2132

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

cr +EDI: RMSC.COM Jun 09 2017 01:08:00 Synchrony Bank c/o PRA Receivables Management, LLC,

 PO Box 41021, Norfolk, VA 23541-1021

13794868 +E-mail/Text: phsusbankruptcynotices@partners.org Jun 09 2017 01:21:26 

 Brigham Womens Hospital, 75 Francis Street, Boston, MA 02115-6106

13794869 +EDI: CAPITALONE.COM Jun 09 2017 01:08:00 Capital One, Po Box 30285,

 Salt Lake City, UT 84130-0285

13794870 +EDI: WFNNB.COM Jun 09 2017 01:08:00 Comenity Capital/jjill, Comenity Bank,

 Po Box 182125, Columbus, OH 43218-2125

13799064 +EDI: RMSC.COM Jun 09 2017 01:08:00 Synchrony Bank, c/o of PRA Receivables Management, LLC,

 PO Box 41021, Norfolk, VA 23541-1021

13794875 +EDI: RMSC.COM Jun 09 2017 01:08:00 Synchrony Bank/ JC Penneys, Attn: Bankruptcy,

 Po Box 956060, Orlando, FL 32896-0001

13794876 EDI: USBANKARS.COM Jun 09 2017 01:08:00 US Bank/Rms CC, Card Member Services,

 Po Box 108, St Louis, MO 63166-0000

13794877 +EDI: WFFC.COM Jun 09 2017 01:08:00 Wells Fargo Bank, Mac-F8235-02f, Po Box 10438,

 Des Moines, IA 50306-0438

 TOTAL: 8

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

13794871 Hyundai

 TOTALS: 1, * 0, ## 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.

Transmission times for electronic delivery are Eastern Time zone.

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: Jun 10, 2017 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 June 7, 2017 at the address(es) listed below:

 H. Jason Gold jason.gold@nelsonmullins.com, 

 VA19@ecfcbis.com;jgold@ecf.epiqsystems.com;hjg@trustesolutions.net;robert.ours@nelsonmullins.com;

 lori.stewart@nelsonmullins.com

 Jeremy Calvin Huang on behalf of Debtor Melissa Lupine Campos-Poehnert 

 jhuang@lawfirmvirginia.com

 TOTAL: 2

Case 17-10778-BFK Doc 13 Filed 06/10/17 Entered 06/11/17 00:25:25 Desc Imaged

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