Information to identify the case:

Debtor 1 Jeannie M. Collins

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1982

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: 16−31477−KRH

Discharge of Debtor 12/15

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

Jeannie M. Collins

July 6, 2016 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

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 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

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 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 16-31477-KRH

Jeannie M. Collins Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: admin Page 1 of 1 Date Rcvd: Jul 07, 2016

 Form ID: 318 Total Noticed: 11

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

Jul 09, 2016.

db +Jeannie M. Collins, 2909 Blendwell Road, Richmond, VA 23224-5945

13304651 +Chase Bank USA NA, c/o Jormandy LLC, 400 N. Center Dr.; Bldg 3 #124,

 Norfolk, VA 23502-0002

13304652 +Department of Public Utilites, 730 E. Broad St. 5th Floor, Richmond, VA 23219-1861

13304653 +Eastern Account System, 75 Glen Rd Ste 110, Sandy Hook, CT 06482-1175

13304654 ++FOCUSED RECOVERY SOLUTIONS, 9701 METROPOLITAN COURT, STE B, RICHMOND VA 23236-3690

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

 North Chesterfield, VA 23236-0000)

13304655 #+Fredericksburg Credit Bureau, 10506 Wakeman Dr, Fredericksburg, VA 22407-8040

13304656 +LVNV Funding LLC, c/o Glasser & Glasser, 580 E. Main Street, Norfolk, VA 23510-2306

13304658 +Virginia Housing Development, 601 S Belvidere St, Richmond, VA 23220-6504

13304659 +Woodfin Oil, 8180 Mechanicsville Turnpike, P.O. Box 277, Mechanicsville, VA 23111-0277

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

tr +EDI: QHSHAIA.COM Jul 08 2016 02:08:00 Harry Shaia, Jr, Spinella, Owings & Shaia, P.C.,

 8550 Mayland Drive, Richmond, VA 23294-4704

13304657 +E-mail/Text: colleen.atkinson@rmscollect.com Jul 08 2016 02:21:35 Receivables Management,

 7206 Hull Street Rd Ste 211, North Chesterfield, VA 23235-5826

 TOTAL: 2

 ***** 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.

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).

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.

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: Jul 09, 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 July 6, 2016 at the address(es) listed below:

 Christopher Mark Winslow on behalf of Debtor Jeannie M. Collins chris@chriswinslow.com, 

 winslowparalegal@gmail.com

 Harry Shaia, Jr harryshaia@spinella.com, 

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

 Peter J. Barrett on behalf of Trustee Peter J. Barrett peter.barrett@kutakrock.com, 

 charisse.matthews@kutakrock.com;pbarrett@ecf.epiqsystems.com

 TOTAL: 3

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