Information to identify the case:

Debtor 1 Samantha Melissa Gardiner

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1219

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 in chapter 13 August

21, 2015

Date case converted to chapter 7 May 12,

2016

Case number: 15−72857−FJS

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 Samantha Melissa Gardiner

2. All other names used in the

last 8 years

3. Address 4462 John Jay Lane

Virginia Beach, VA 23462

4. Debtor's attorney

Name and address

Christian D'Angelo DeGuzman

America Law Group, Inc.

JANAF Office Building

5900 E. Virginia Beach Blvd.

Suite 507

Norfolk, VA 23502

Contact phone (757) 333−7336

Email: cdd147@gmail.com

5. Bankruptcy trustee

Name and address

Clara P. Swanson

708 Thimble Shoals Boulevard, Suite 1

Newport News, VA 23606

Contact phone (757) 873−0470

Email: clara.swanson@verizon.net

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 15-72857-FJS Doc 33 Filed 05/15/16 Entered 05/16/16 00:23:50 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Samantha Melissa Gardiner Case number 15−72857−FJS

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

600 Granby St., Room 400

Norfolk, VA 23510

Hours open Monday − Friday, 9:00 AM − 4:00 PM

ET, except on holidays.

Contact phone 757−222−7500

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

Date: May 13, 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 16, 2016 at 03:00 PM

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, 200

Granby Street, Room 120,

Norfolk, VA 23510

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.

Insufficient information has been filed to date to permit the clerk to make any

determination concerning the presumption of abuse. If more complete information,

when filed, shows that the presumption has arisen, creditors will be notified.

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 15, 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 15-72857-FJS Doc 33 Filed 05/15/16 Entered 05/16/16 00:23:50 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Samantha Melissa Gardiner Case number 15−72857−FJS

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. Manner of Payment of Fees Newport News: non−debtor's check, money order, cashier's check or any authorized

non−debtor's credit card; cash is NOT accepted at Newport News location.

Norfolk: same as above; however, effective December 16, 2013, cash is accepted − ONLY

in the exact amount due for payment of fees and services.

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 15-72857-FJS Doc 33 Filed 05/15/16 Entered 05/16/16 00:23:50 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 15-72857-FJS

Samantha Melissa Gardiner Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-8 User: griffinv Page 1 of 2 Date Rcvd: May 13, 2016

 Form ID: 309A Total Noticed: 40

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

May 15, 2016.

db +Samantha Melissa Gardiner, 4462 John Jay Lane, Virginia Beach, VA 23462-2349

aty +David A. Greer, Law Offices of David A. Greer PLC, 500 East Main Street Ste 1200,

 Norfolk, VA 23510-2204

cr Tonya Fleming, c/o Law Offices of David A. Greer, Norfolk, Va 23510

13023506 +ACS/US Bank, 501 Bleecker Street, Utica, NY 13501-2401

13112331 +Asset Recovery Associates,PLLC, 5350 Kempsriver Drive, Suite 111,

 Virginia Beach, VA 23464-5370

13023508 +Becker Professional Education, 3005 Highland Pkwy., Downers Grove, IL 60515-5798

13023510 CBE Group, PO Box 2635, Waterloo, IA 50704-2635

13180351 +Department Store National Bank, c/o Quantum3 Group LLC, PO Box 657,

 Kirkland, WA 98083-0657

13088491 +Grand Furniture, 1305 Baker Road, Virginia Beach, VA 23455-3317

13023516 +Kristina Viamante, 5032 Kemps Lake Drive, Virginia Beach, VA 23462-4388

13127199 +Midland Credit Management, Inc. as agent for, MIDLAND FUNDING LLC, PO Box 2011,

 Warren, MI 48090-2011

13023517 +Property Management Prof, LLC, c/o Remax Allegiance, 4000 Virginia Beach Blvd.,#164,

 Virginia Beach, VA 23452-1743

13023519 +Slomin’s Security, 125 Lauman Lane, Hicksville, NY 11801-6539

13023520 +Sterliling Church St.Furniture, c/o Craig L. Stein, President, 1305 Baker Road,

 Virginia Beach, VA 23455-3317

13184999 +Tonya Fleming, c/o Jamie Lancaster RE/MAX, 828 Greenbrier Parkway,

 Chesapeake, Virginia 23320-3684

13183159 +Tonya Fleming, c/o David A. Greer, 500 East Main Street, Suite 1225,

 Norfolk, VA 23510-2274

13062955 +U. S. Bank On behalf of MHEAC d/b/a ASA, c/o Keith Coburn, MHEAC d/b/a ASA,

 100 Cambridge Street, Suite 1600, Boston, MA 02114-2518

13023525 +United Consumer Fin. Svcs., 865 Bassett Road, Westlake, OH 44145-1194

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

aty E-mail/Text: cdd147@gmail.com May 14 2016 01:41:57 Christian D’Angelo DeGuzman,

 America Law Group, Inc., JANAF Office Building, 5900 E. Virginia Beach Blvd., Suite 507,

 Norfolk, VA 23502

aty +EDI: BASSASSOC.COM May 14 2016 01:33:00 Patti H. Bass, Bass & Associates, P.C.,

 3936 E. Ft. Lowell Rd., Suite 200, Tucson, AZ 85712-1083

tr +EDI: BCPSWANSON.COM May 14 2016 01:33:00 Clara P. Swanson,

 708 Thimble Shoals Boulevard, Suite 1, Newport News, VA 23606-4547

cr +EDI: BASSASSOC.COM May 14 2016 01:33:00 United Consumer Financial Serv,

 Bass & Associates, P.C., 3936 E. Ft. Lowell Rd, Suite #200, Tucson, AZ 85712-1083

13023507 +EDI: APPLIEDBANK.COM May 14 2016 01:33:00 Applied Card Bank, Attention: Bankruptcy,

 PO Box 17125, Wilmington, DE 19850-7125

13023509 +EDI: CAPITALONE.COM May 14 2016 01:33:00 Capital One, Attn: Bankruptcy, PO Box 30285,

 Salt Lake City, UT 84130-0285

13088092 EDI: CAPITALONE.COM May 14 2016 01:33:00 Capital One Bank (USA), N.A., PO Box 71083,

 Charlotte, NC 28272-1083

13023511 +EDI: WFNNB.COM May 14 2016 01:33:00 Comenity Bank/Express, Attn: Bankruptcy,

 P.O. Box 182686, Columbus, OH 43218-2686

13023512 +EDI: WFNNB.COM May 14 2016 01:33:00 Comenity Bank/NY & Co., Attention: Bankruptcy,

 P.O. Box 182125, Columbus, OH 43218-2125

13023513 +EDI: WFNNB.COM May 14 2016 01:33:00 Comenity Bank/Victoria’sSecret, PO Box 182789,

 Columbus, OH 43218-2789

13023514 +EDI: RCSFNBMARIN.COM May 14 2016 01:33:00 Credit One Bank, PO Box 98873,

 Las Vegas, NV 89193-8873

13023515 +EDI: TSYS2.COM May 14 2016 01:33:00 DSNB Macys, 9111 Duke Blvd., Mason, OH 45040-8999

13091657 EDI: RESURGENT.COM May 14 2016 01:33:00 LVNV Funding, LLC its successors and assigns as,

 assignee of FNBM, LLC, Resurgent Capital Services, PO Box 10587,

 Greenville, SC 29603-0587

13090392 EDI: Q3G.COM May 14 2016 01:33:00 Quantum3 Group LLC as agent for, Comenity Bank,

 PO Box 788, Kirkland, WA 98083-0788

13091572 EDI: Q3G.COM May 14 2016 01:33:00 Quantum3 Group LLC as agent for, Sadino Funding LLC,

 PO Box 788, Kirkland, WA 98083-0788

13023518 +EDI: DRIV.COM May 14 2016 01:33:00 Santander Consumer USA, PO Box 961245,

 Ft Worth, TX 76161-0244

13023521 +EDI: RMSC.COM May 14 2016 01:33:00 Synchrony Bank/ Old Navy, Attention: GEMB,

 PO Box 103104, Roswell, GA 30076-9104

13023522 +EDI: RMSC.COM May 14 2016 01:33:00 Synchrony Bank/Banana Republic, Attn: Bankruptcy,

 PO Box 103104, Roswell, GA 30076-9104

13023523 +EDI: RMSC.COM May 14 2016 01:33:00 Synchrony Bank/Care Credit, Attn: bankruptcy,

 PO Box 103104, Roswell, GA 30076-9104

13023524 +EDI: RMSC.COM May 14 2016 01:33:00 Synchrony Bank/JCPenney, Attention: Bankruptcy,

 PO Box 103104, Roswell, GA 30076-9104

13046144 +EDI: BASSASSOC.COM May 14 2016 01:33:00 United Consumer Financial Serv,

 Bass & Associates, P.C., 3936 E. Ft. Lowell Suite 200, Tucson, AZ 85712-1083

13023526 +E-mail/Text: External.Collections@phoenix.edu May 14 2016 01:43:12 University of Phoenix,

 4615 E. Elwood Street, 3rd Floor, Phoenix, AZ 85040-1908

Case 15-72857-FJS Doc 33 Filed 05/15/16 Entered 05/16/16 00:23:50 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-8 User: griffinv Page 2 of 2 Date Rcvd: May 13, 2016

 Form ID: 309A Total Noticed: 40

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

(continued)

 TOTAL: 22

 ***** 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: May 15, 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 May 13, 2016 at the address(es) listed below:

 Christian D’Angelo DeGuzman on behalf of Debtor Samantha Melissa Gardiner cdd147@gmail.com, 

 thedebtlawgroupmail@gmail.com;DLGHearings@gmail.com

 Clara P. Swanson clara.swanson@verizon.net, clarapswanson@yahoo.com;va10@ecfcbis.com

 David A. Greer on behalf of Creditor Tonya Fleming dgreer@davidgreerlaw.com, 

 ecf@davidgreerlaw.com

 Patti H. Bass on behalf of Creditor United Consumer Financial Serv ecf@bass-associates.com

 TOTAL: 4

Case 15-72857-FJS Doc 33 Filed 05/15/16 Entered 05/16/16 00:23:50 Desc Imaged

 Certificate of Notice Page 5 of 5