United States Bankruptcy Court

Eastern District of Virginia

Newport News Division

2400 West Avenue, Suite 110

Newport News, VA 23607

Case Number 16−51066−FJS

Chapter 7

In re: Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address):

Frederick Reams

140 Leslie Lane

Yorktown, VA 23693

Carol M Reams

140 Leslie Lane

Yorktown, VA 23693

Last four digits of Social−Security or Individual Taxpayer−Identification (ITIN) No(s).,(if any):

Debtor: xxx−xx−0674 Joint Debtor: xxx−xx−7188

Employer Tax−Identification (EIN) No(s).(if any):

Debtor: NA Joint Debtor: NA

NOTICE OF REQUIREMENT TO FILE

CERTIFICATION ABOUT A FINANCIAL MANAGEMENT COURSE

(Official Form 423)

 Notice is hereby given that, subject to limited exceptions, a debtor must complete an instructional course in

personal financial management in order to receive a discharge under chapter 7 (11 U.S.C. § 727). Pursuant to Rule

1007(b)(7) of the Federal Rules of Bankruptcy Procedure, the debtor(s) must complete and file Certification

About a Financial Management Course (Official Form 423)* as described in 11 U.S.C. § 111.

 Debtor(s) and/or debtor(s)' attorney is/are hereby notified that Official Form 423 must be filed before a

discharge can be entered. Debtor(s) and/or debtor(s)' attorney is/are hereby notified that the debtor(s) must file

Official Form 423 within 60 days after the first date set for the meeting of creditors under § 341. Failure to file the

certification will result in the case being closed without an entry of discharge. If the debtor(s) subsequently file(s)

a Motion to Reopen the Case to allow for the filing of the Official Form 423, the debtor(s) must pay the full

reopening fee due for filing the motion.

Dated: August 10, 2016

(ntcfnmgtvDec2015.jsp)

William C. Redden

Clerk of Court

*NOTE: Official Interim Form 423 (Certification About a Financial Management Course) must be filed in all individual chapter 13 and

chapter 7 cases even if the U.S. Trustee has not approved any credit counseling agency or financial management course for the applicable

district. See FRBP 1007(b)(7).

ATTENTION DEBTORS:

Receive your court notices and orders by mail through the DeBN program.

Same−day delivery. Convenient Access. Free.

Go to www.vaeb.uscourts.gov for more information and to download the request form.

Case 16-51066-FJS Doc 8 Filed 08/12/16 Entered 08/13/16 00:23:14 Desc Imaged

 Certificate of Notice Page 1 of 2
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 16-51066-FJS

Frederick Reams Chapter 7

Carol M Reams

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-6 User: justicet Page 1 of 1 Date Rcvd: Aug 10, 2016

 Form ID: ntcfnm15 Total Noticed: 1

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

Aug 12, 2016.

db/jdb +Frederick Reams, Carol M Reams, 140 Leslie Lane, Yorktown, VA 23693-4420

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

NONE. TOTAL: 0

 ***** 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.

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: Aug 12, 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 August 10, 2016 at the address(es) listed below:

 David R. Ruby druby@t-mlaw.com, bankruptcyassistant@t-mlaw.com;druby@iq7technology.com

 Kristina M. Beavers on behalf of Joint Debtor Carol M Reams kristina@beaverslaw.com

 Kristina M. Beavers on behalf of Debtor Frederick Reams kristina@beaverslaw.com

 TOTAL: 3

Case 16-51066-FJS Doc 8 Filed 08/12/16 Entered 08/13/16 00:23:14 Desc Imaged

 Certificate of Notice Page 2 of 2