Information to identify the case:

Debtor 1 Nikki Yuvonne Barrera

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−2522

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: 17−31424−KRH

Discharge of Debtor 12/15

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

Nikki Yuvonne Barrera

aka Nikki Yuvonne Vanco

July 13, 2017 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

Case 17-31424-KRH Doc 29 Filed 07/15/17 Entered 07/16/17 00:26:59 Desc Imaged

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

Case 17-31424-KRH Doc 29 Filed 07/15/17 Entered 07/16/17 00:26:59 Desc Imaged

Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 17-31424-KRH

Nikki Yuvonne Barrera Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: manleyc Page 1 of 1 Date Rcvd: Jul 13, 2017

 Form ID: 318 Total Noticed: 14

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

Jul 15, 2017.

db +Nikki Yuvonne Barrera, 5716 Westover Village Dr., Richmond, VA 23225-6042

13812445 +CASH 2 U, 6100 MIDLOTHIAN TURNPIKE, RICHMOND, VA 23225-5922

13812444 +CHECK INTO CASH, 7601 W BROAD ST SUITE E, RICHMOND, VA 23294-3641

13812440 +ELEPHANT INSURANCE, 9950 MAYLAND DR, RICHMOND, VA 23233-1463

13812443 +FOREST RIDGE, 2665 GRANITE HILL CIR, RICHMOND, VA 23225-2074

13888277 +Michael Wayne Investments, 6401 E. Virginia Beach Blvd., Norfolk, VA 23502-3009

13812441 +RICHMOND CITY UTILITIES, 900 E BROAD ST RM115, RICHMOND, VA 23219-1907

13812447 #+THE LOAN STORE, 7310 STAPLES MILLS RD, RICHMOND, VA 23228-4122

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

tr +EDI: QLLTAVENNER.COM Jul 14 2017 01:38:00 Lynn L. Tavenner,

 20 North Eighth Street, Second Floor, Richmond, VA 23219-3302

13812437 +EDI: CAPITALONE.COM Jul 14 2017 01:38:00 CAPITAL ONE, P.O BOX 71083,

 CHARLOTTE, NC 28272-1083

13812446 +EDI: HCA2.COM Jul 14 2017 01:38:00 CHIPPENHAM HOSPITAL, 7101 Jahnke Rd,

 RICHMOND, VA 23225-4044

13812439 +EDI: RCSFNBMARIN.COM Jul 14 2017 01:38:00 CREDIT ONE BANK, P.O BOX 98873,

 LAS VEGAS, NV 89193-8873

13812438 +EDI: AMINFOFP.COM Jul 14 2017 01:38:00 FIRST PREMIER BANK, P.O BOX 5524,

 SIOUX FALLS, SD 57117-5524

13812442 +Fax: 614-760-4092 Jul 14 2017 02:30:31 FIRST VIRGINIA, 4503 W BROAD ST,

 RICHMOND, VA 23230-3203

 TOTAL: 6

 ***** 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 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 15, 2017 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 13, 2017 at the address(es) listed below:

 Lynn L. Tavenner ltavenner@tb-lawfirm.com, 

 sleadbeater@tb-lawfirm.com;amorris@tb-lawfirm.com;ltavenner@ecf.epiqsystems.com

 TOTAL: 1

Case 17-31424-KRH Doc 29 Filed 07/15/17 Entered 07/16/17 00:26:59 Desc Imaged

Certificate of Notice Page 3 of 3