Information to identify the case:

Debtor 1 Helene Stephanie Ruiz

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−0566

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 Date case filed for chapter 7 May 4, 2016

Case number: 16−32263−KRH

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 Helene Stephanie Ruiz

2. All other names used in the

last 8 years

aka Helene S. Ruiz

3. Address 7328 Brandy Creek Drive

Mechanicsville, VA 23111

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

Harry Shaia, Jr

Spinella, Owings & Shaia, P.C.

8550 Mayland Drive

Richmond, VA 23294

Contact phone (804) 747−0920

Email: harryshaia@spinella.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 16-32263-KRH Doc 5 Filed 05/07/16 Entered 05/08/16 00:25:50 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Helene Stephanie Ruiz Case number 16−32263−KRH

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 5, 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 13, 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. 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 12, 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 16-32263-KRH Doc 5 Filed 05/07/16 Entered 05/08/16 00:25:50 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Helene Stephanie Ruiz Case number 16−32263−KRH

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 16-32263-KRH Doc 5 Filed 05/07/16 Entered 05/08/16 00:25:50 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 16-32263-KRH

Helene Stephanie Ruiz Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: ramirez-l Page 1 of 2 Date Rcvd: May 05, 2016

 Form ID: 309A Total Noticed: 32

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

May 07, 2016.

db +Helene Stephanie Ruiz, 7328 Brandy Creek Drive, Mechanicsville, VA 23111-4438

13362312 +Ashro, 3650 Milwaukee St, Madison, WI 53714-2304

13362314 +Bon Secours, PO Box 28538, Henrico, VA 23228-8538

13362325 ++CONTINENTAL FINANCE COMPANY LLC, PO BOX 8099, NEWARK DE 19714-8099

 (address filed with court: Mabt/contfin, 121 Continental Dr. Ste 1, Newark, DE 19713-0000)

13362319 +Eltman, Eltman & Cooper, 140 Broadway, 26th Floor, New York, NY 10005-1108

13362321 First Premier Bank, 601 S Minniapolis Ave, Sioux Falls, SD 57104-0000

13362322 +Hanover Square, 7344 Bell Creek Rd., Mechanicsville, VA 23111-3545

13362323 +Humana, PO Box 14603, Lexington, KY 40512-4603

13362326 +Memorial Regional Medical, PO Box 409601, Atlanta, GA 30384-9601

13362327 +Monroe and Main, 1112 7th Ave., Monroe, WI 53566-1364

13362328 +Mount Sinai Hospital, One Gustave L. Levy Place, New York, NY 10029-6574

13362329 +Mount Sinai Radiology, 1175 5th Ave, New York, NY 10029

13362330 +Palisades Collection LLC, PO Box 1244, Englewood Cliffs, NJ 07632-0244

13362331 +Professional Claims Bureau, PO Box 9060, Hicksville, NY 11802-9060

13362332 +Professional Recovery Assoc, PO Box 215, Levittown, NY 11756-0215

13362334 +Seventh Avenue, re: Bankruptcy Dep’t, 112 7th Ave, Monroe, WI 53566

13362335 +The Ashlar Apartments, 8440 Sherman Circle N., Hollywood, FL 33025-2142

13362336 +Trans- Continental, PO Boox 5055, White Plains, NY 10602-5055

13362337 +Transcare Corporation, 1 Metrotech Center 20th Floor, Brooklyn, NY 11201-3949

13362339 +West End Orthopaedic Clinic, 5899 Bremo Rd, Suite 204, Richmond, VA 23226-1935

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

aty E-mail/Text: 2debtlawgroup@gmail.com May 06 2016 01:39:25 Richard James Oulton,

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

tr +EDI: QHSHAIA.COM May 06 2016 01:28:00 Harry Shaia, Jr, Spinella, Owings & Shaia, P.C.,

 8550 Mayland Drive, Richmond, VA 23294-4704

13362313 +EDI: CINGMIDLAND.COM May 06 2016 01:28:00 AT&T, attn: Bankruptcy Dep’t, PO Box 755,

 Atwater, CA 95301-0755

13362310 +EDI: AFNIRECOVERY.COM May 06 2016 01:28:00 Afni, 1310 Martin Luther King Dr,

 Bloomington, IL 61701-1465

13362311 +EDI: AGFINANCE.COM May 06 2016 01:23:00 American General Financial/Springleaf Fi,

 Springleaf Financial/Attn: Bankruptcy De, PO Box 3251, Evansville, IN 47731-3251

13362315 +EDI: CAPITALONE.COM May 06 2016 01:23:00 Capital One, PO Box 30285,

 Salt Lake City, UT 84130-0285

13362316 +EDI: CHASE.COM May 06 2016 01:28:00 Chase Card Services, Attn: Correspondence Dept,

 PO Box 15298, Wilmington, DE 19850-5298

13362317 +EDI: WFNNB.COM May 06 2016 01:28:00 Comenity Bank / Roamans, PO Box 182125,

 Columbus, OH 43218-2125

13362318 +EDI: RCSFNBMARIN.COM May 06 2016 01:23:00 Credit One Bank Na, PO Box 98873,

 Las Vegas, NV 89193-8873

13362320 +EDI: AMINFOFP.COM May 06 2016 01:28:00 First Premier Bank, 601 S Minnesota Ave,

 Sioux Falls, SD 57104-4868

13362324 +E-mail/Text: HWIBankruptcy@hunterwarfield.com May 06 2016 01:40:10 Hunter Warfield,

 Attn: Collections Dep, 4620 Woodland Corporate Blvd, Tampa, FL 33614-2415

13362333 +EDI: CHASE.COM May 06 2016 01:28:00 Providian, PO Box 9023, Pleasanton, CA 94566

 TOTAL: 12

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

13362338* ++CONTINENTAL FINANCE COMPANY LLC, PO BOX 8099, NEWARK DE 19714-8099

 (address filed with court: Verve, PO Box 8099, Newark, DE 19714-0000)

 TOTALS: 0, * 1, ## 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.

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).

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 07, 2016 Signature: /s/Joseph Speetjens

Case 16-32263-KRH Doc 5 Filed 05/07/16 Entered 05/08/16 00:25:50 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: ramirez-l Page 2 of 2 Date Rcvd: May 05, 2016

 Form ID: 309A Total Noticed: 32

_

 CM/ECF NOTICE OF ELECTRONIC FILING

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

system on May 5, 2016 at the address(es) listed below:

 Harry Shaia, Jr harryshaia@spinella.com, 

 marykeller@spinella.com;dianecollins@spinella.com;hshaiajr@ecf.epiqsystems.com

 Richard James Oulton on behalf of Debtor Helene Stephanie Ruiz 2debtlawgroup@gmail.com, 

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

 TOTAL: 2

Case 16-32263-KRH Doc 5 Filed 05/07/16 Entered 05/08/16 00:25:50 Desc Imaged

 Certificate of Notice Page 5 of 5