Information to identify the case:

Debtor 1 David G. Lambert

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−4728

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Brenda L. Lambert

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−0370

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia Date case filed for chapter 13 December 23, 2015

Case number: 15−36520−KLP

Official Form 309I

Notice of Chapter 13 Bankruptcy Case 12/15

For the debtors listed above, a case has been filed under chapter 13 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, the debtors' property, and certain codebtors. 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.

Confirmation of a chapter 13 plan may result in a discharge. Creditors who assert that the debtors are not entitled to a discharge under 11 U.S.C. §

1328(f) must file a motion objecting to discharge in the bankruptcy clerk's office within the deadline specified in this notice. Creditors who want to have

their debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office by the same deadline. (See line 13 below 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 David G. Lambert Brenda L. Lambert

2. All other names used in the

last 8 years

3. Address 6425 Meadowburm Drive

Chesterfield, VA 23234

6425 Meadowburm Drive

Chesterfield, VA 23234

4. Debtor's attorney

Name and address

Pia J. North

North Law

5913 Harbour Park Drive

Midlothian, VA 23112

Contact phone 804−739−3700

Email: help@pianorth.com

5. Bankruptcy trustee

 Name and address

Suzanne E. Wade

P.O. Box 1780

Richmond, VA 23218−1780

Contact phone (804) 775−0979

Email: ecfsummary@ch13ricva.com

For more information, see page 2 >

Official Form 309I Notice of Chapter 13 Bankruptcy Case page 1

Case 15-36520-KLP Doc 8 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor David G. Lambert and Brenda L. Lambert Case number 15−36520−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: December 24, 2015

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.

February 11, 2016 at 09:00 AM

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. Deadlines

The bankruptcy clerk's office must

receive these documents and any

required filing fee by the following

deadlines.

Deadline to file a complaint to challenge

dischargeability of certain debts:

You must file:

• a motion if you assert that the debtors are

 not entitled to receive a discharge under

 U.S.C. § 1328(f) or

• a complaint if you want to have a particular

 debt excepted from discharge under

 11 U.S.C. § 523(a)(2)or (4).

Filing deadline: April 11, 2016

Deadline for all creditors to file a proof of claim

(except governmental units):

Filing deadline: May 11, 2016

Deadline for governmental units to file a proof of

claim:

Filing deadline: June 20, 2016

Deadlines for filing proof of claim:

 A proof of claim is a signed statement describing a creditor's claim. A proof of claim form may be obtained at

www.uscourts.gov or any bankruptcy clerk's office.

If you do not file a proof of claim by the deadline, you might not be paid on your claim. To be paid, you must file

a proof of claim even if your claim is listed in the schedules that the debtor filed.

Secured creditors retain rights in their collateral regardless of whether they file a proof of claim. 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.

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 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

For more information, see page 3 >

Official Form 309I Notice of Chapter 13 Bankruptcy Case page 2

Case 15-36520-KLP Doc 8 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor David G. Lambert and Brenda L. Lambert Case number 15−36520−KLP

9. 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:

March 2, 2016 at 09:10 AM,

Location: Judge Phillips' − Courtroom, U. S. Bankruptcy Court, 701 E. Broad St., Rm. 5100, Richmond,

VA 23219

10. 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 deadline in this notice. Consult an attorney familiar with United States bankruptcy law if you have

any questions about your rights in this case.

11. Filing a chapter 13

bankruptcy case

Chapter 13 allows an individual with regular income and debts below a specified amount to adjust debts

according to a plan. A plan is not effective unless the court confirms it. 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 this notice, you will be sent notice of the confirmation

hearing. The debtor will remain in possession of the property and may continue to operate the business, if any,

unless the court orders otherwise.

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

distributed to creditors, even if the case is converted to chapter 7. 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 debtors claimed, you may file an objection by the deadline.

13. Discharge of debts Confirmation of a chapter 13 plan may result in a discharge of debts, which may include all or part of a debt.

However, unless the court orders otherwise, the debts will not be discharged until all payments under the plan

are made. A discharge means that creditors may never try to collect the debt from the debtors personally

except as provided in the plan. If you want to have a particular debt excepted from discharge under 11 U.S.C. §

523(a)(2) or (4), you must file a complaint and pay the filing fee in the bankruptcy clerk's office by the deadline.

If you believe that the debtors are not entitled to a discharge of any of their debts under 11 U.S.C. § 1328(f),

you must file a motion.

14. 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.

15. 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 15-36520-KLP Doc 8 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 15-36520-KLP

David G. Lambert Chapter 13

Brenda L. Lambert

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-7 User: manleyc Page 1 of 2 Date Rcvd: Dec 24, 2015

 Form ID: 309I Total Noticed: 33

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

Dec 26, 2015.

db/jdb +David G. Lambert, Brenda L. Lambert, 6425 Meadowburm Drive, Chesterfield, VA 23234-5544

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

13185053 +Alfa Vision Insurance co., P.O. Box 2328, Brentwood, TN 37024-2328

13185054 +Andrew J. Holick, 8907 Royal Birkdale Drive, Chesterfield, VA 23832-2468

13185055 +Avid Acceptance, PO Box 708580, Sandy, UT 84070-8580

13185056 +Avid Acceptance Llc, 6995 Union Park Center, Midvale, UT 84047-6047

13185060 +CJW Medical Center, Post Office Box 99008, Bedford, TX 76095-9108

13185058 +City Auto, 4000 Regent Blvd, Irving, TX 75063-2246

13185059 +City of Richmond DPU BANK, Dept. of Public Utilities, 730 E. Broad Street, 5th floor,

 Richmond, VA 23219-1861

13185061 +Comcast, 5401 Staples Mill Road, Richmond, VA 23228-5443

13185062 #+Commonwealth Hospitalist Serv, 4050 Innslake Dr, Ste 308, Glen Allen, VA 23060-3327

13185065 +Consumer Portfolio Svc, Attn:Bankruptcy, 19500 Jamboree Rd, Irvine, CA 92612-2401

13185066 ++DOMINION VIRGINIA POWER, PO BOX 26666, 18TH FLOOR, RICHMOND VA 23261-6666

 (address filed with court: Dominion VA Power, Post Office Box 26543,

 Richmond, VA 23290-0001)

13185070 ++FOCUSED RECOVERY SOLUTIONS, 9701 METROPOLITAN COURT, STE B, RICHMOND VA 23236-3690

 (address filed with court: Focus Recovery Solutions, Attn: Bankruptcy,

 9701 Metropolitan Court Ste B, Richmond, VA 23236)

13185067 +Fast Auto Loan, 5218 West Broad St, Richmond, VA 23230-3010

13185068 +First Credit Corporati, P.o. Box 9300, Boulder, CO 80301-9300

13185069 +First Credit Corporation, Po Box 9300, Boulder, CO 80301-9300

13185071 +Henrico County Treasurer PP, PO Box 90775, Henrico, VA 23273-0775

13185076 Ntelos, Post Office Box 580423, Charlotte, NC 28258-0423

13185079 +Produce Source Partners, 13167 Telcourt Rd, Ashland, VA 23005-7454

13185080 +Solomon & Solomon, PC, Five Columbia Circle, Albany, NY 12203-6374

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

aty E-mail/Text: help@pianorth.com Dec 24 2015 23:38:44 Pia J. North, North Law,

 5913 Harbour Park Drive, Midlothian, VA 23112

13185057 +E-mail/Text: saxonl@chesterfield.gov Dec 24 2015 23:39:55 Chesterfield County - PP Taxes,

 Richard A. Cordle, Treasurer, Post Office Box 26585, Richmond, VA 23261-6585

13185063 E-mail/Text: bkr@taxva.com Dec 24 2015 23:39:44 Commonwealth of VA-Tax, P.O. Box 2156,

 Richmond, VA 23218-2156

13185064 +E-mail/Text: bankruptcy@consumerportfolio.com Dec 24 2015 23:39:24 Consumer Portfolio Svc,

 Po Box 57071, Irvine, CA 92619-7071

13185072 +EDI: HCA2.COM Dec 24 2015 23:38:00 Henrico Doctors Hospital, P. O. Box 740760,

 Cincinnati, OH 45274-0760

13185073 +EDI: HFC.COM Dec 24 2015 23:38:00 Hsbc Taxpayer Financ, 90 Christiana Road,

 New Castle, DE 19720-3118

13185074 +EDI: IIC9.COM Dec 24 2015 23:38:00 IC Systems, Inc, 444 Highway 96 East, Po Box 64378,

 St Paul, MN 55164-0378

13185075 EDI: IRS.COM Dec 24 2015 23:38:00 Internal Revenue Service, Centralized Insolvency Unit,

 P O Box 7346, Philadelphia, PA 19101-7346

13185078 +E-mail/Text: bankruptcy@gopfs.com Dec 24 2015 23:39:50 Prestige Financial Svc,

 Attn: Bankruptcy Department, Po Box 26707, Salt Lake City, UT 84126-0707

13185077 E-mail/Text: bankruptcy@gopfs.com Dec 24 2015 23:39:50 Prestige Financial Svc,

 P O Box 26707, Salt Lake City, UT 84126-0707

13185081 +EDI: SWCR.COM Dec 24 2015 23:38:00 Southwest Credit Systems, 4120 International Parkway,

 Suite 1100, Carrollton, TX 75007-1958

13185081 +E-mail/Text: bankruptcy@sw-credit.com Dec 24 2015 23:39:13 Southwest Credit Systems,

 4120 International Parkway, Suite 1100, Carrollton, TX 75007-1958

13185082 +EDI: VERIZONWIRE.COM Dec 24 2015 23:38:00 Verizon Wireless, PO Box 3397,

 Bloomington, IL 61702-3397

 TOTAL: 13

 ***** 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 redirected to the recipient’s preferred mailing address

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

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.

Case 15-36520-KLP Doc 8 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: manleyc Page 2 of 2 Date Rcvd: Dec 24, 2015

 Form ID: 309I Total Noticed: 33

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

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: Dec 26, 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 December 24, 2015 at the address(es) listed below:

 Pia J. North on behalf of Joint Debtor Brenda L. Lambert 

 lawdesk.northlaw@verizon.net;northlaw@pianorth.com;barbara@pianorth.com;mandy@pianorth.com;northl

 awecf@gmail.com;notices.northlaw@earthlink.net;bkynotices@gmail.com;kimberly@pianorth.com;North_e

 cf@Iamthewolf.co

 Pia J. North on behalf of Debtor David G. Lambert 

 lawdesk.northlaw@verizon.net;northlaw@pianorth.com;barbara@pianorth.com;mandy@pianorth.com;northl

 awecf@gmail.com;notices.northlaw@earthlink.net;bkynotices@gmail.com;kimberly@pianorth.com;North_e

 cf@Iamthewolf.co

 Suzanne E. Wade ecfsummary@ch13ricva.com, trustee@ch13ricva.com

 TOTAL: 3

Case 15-36520-KLP Doc 8 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 5 of 5