Information to identify the case:

Debtor 1 Lurina Kimberly Edwards

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−9040

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Kelvin Madison Cosby

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−9580

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia Date case filed for chapter 13 1/11/18

Case number: 18−30148−KLP

Official Form 309I

Notice of Chapter 13 Bankruptcy Case 12/17

For the debtors listed above, a case has been filed under chapter 13 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, the debtors' property, and certain codebtors. 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.

Confirmation of a chapter 13 plan may result in a discharge. Creditors who assert that the debtors are not entitled to a discharge under 11 U.S.C. §

1328(f) must file a motion objecting to discharge in the bankruptcy clerk's office within the deadline specified in this notice. Creditors who want to have

their debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office by the same deadline. (See line 13 below 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 Lurina Kimberly Edwards Kelvin Madison Cosby

2. All other names used in the

last 8 years aka Lurina Kimberly Cosby

3. Address 6271 Fieldshire Ct

Mechanicsville, VA 23111

6271 Fieldshire Ct

Mechanicsville, VA 23111

4. Debtor's attorney

Name and address

Robert B. Duke Jr.

America Law Group Inc.

dba The Debt Law Group

8501 Mayland Drive, Suite 106

Henrico, VA 23294

Contact phone 804−308−0051

Email: rdukelaw@gmail.com

5. Bankruptcy trustee

 Name and address

Carl M. Bates

P. O. Box 1819

Richmond, VA 23218

Contact phone (804) 237−6800

Email: station01@richchap13.com

For more information, see page 2 >

Official Form 309I Notice of Chapter 13 Bankruptcy Case page 1

Case 18-30148-KLP Doc 7 Filed 01/14/18 Entered 01/15/18 00:20:07 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Lurina Kimberly Edwards and Kelvin Madison Cosby Case number 18−30148−KLP

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: January 12, 2018

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.

March 1, 2018 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. Deadlines

The bankruptcy clerk's office must

receive these documents and any

required filing fee by the following

deadlines.

Deadline to file a complaint to challenge

dischargeability of certain debts:

You must file:

• a motion if you assert that the debtors are

 not entitled to receive a discharge under

 U.S.C. § 1328(f) or

• a complaint if you want to have a particular

 debt excepted from discharge under

 11 U.S.C. § 523(a)(2)or (4).

Filing deadline: April 30, 2018

Deadline for all creditors to file a proof of claim

(except governmental units):

Filing deadline: March 22, 2018

Deadline for governmental units to file a proof of

claim:

Filing deadline: July 10, 2018

Deadlines for filing proof of claim:

 A proof of claim is a signed statement describing a creditor's claim. A proof of claim form may be obtained at

www.uscourts.gov or any bankruptcy clerk's office.

If you do not file a proof of claim by the deadline, you might not be paid on your claim. To be paid, you must file

a proof of claim even if your claim is listed in the schedules that the debtor filed.

Secured creditors retain rights in their collateral regardless of whether they file a proof of claim. Filing a proof of

claim submits the creditor to the jurisdiction of the bankruptcy court, with consequences a lawyer can explain.

For example, a secured creditor who files a proof of claim may surrender important nonmonetary rights,

including the right to a jury trial.

Deadline to file an Objection to a Proof of Claim is 90 days after the deadline set forth

above to file a Proof of Claim.

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

For more information, see page 3 >

Official Form 309I Notice of Chapter 13 Bankruptcy Case page 2

Case 18-30148-KLP Doc 7 Filed 01/14/18 Entered 01/15/18 00:20:07 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Lurina Kimberly Edwards and Kelvin Madison Cosby Case number 18−30148−KLP

9. Filing of Chapter 13 Plan

and Related Motions and

Hearing on Confirmation

Local Rule 3015−2 requires attorney for debtor(s) or pro se debtor(s) to serve the Chapter 13 Plan and Related

Motions on creditors and interested parties. Objections must be filed not later than 7 days prior to the date set

for the confirmation hearing. If no objections are timely filed, there will be no confirmation hearing. Timely

filed objections will be heard at the confirmation hearing scheduled to be held:

March 28, 2018 at 09:10 AM,

Location: Judge Phillips' − Courtroom, U. S. Bankruptcy Court, 701 E. Broad St., Rm. 5100, Richmond,

VA 23219

10. 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 deadline in this notice. Consult an attorney familiar with United States bankruptcy law if you have

any questions about your rights in this case.

11. Filing a chapter 13

bankruptcy case

Chapter 13 allows an individual with regular income and debts below a specified amount to adjust debts

according to a plan. A plan is not effective unless the court confirms it. You may object to confirmation of the

plan and appear at the confirmation hearing. A copy the plan, if not enclosed, will be sent to you later, and if the

confirmation hearing is not indicated on this notice, you will be sent notice of the confirmation hearing. The

debtor will remain in possession of the property and may continue to operate the business, if any, unless the

court orders otherwise.

12. Exempt property The law allows debtors to keep certain property as exempt. Fully exempt property will not be sold and

distributed to creditors, even if the case is converted to chapter 7. 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 debtors claimed, you may file an objection by the deadline.

13. Discharge of debts Confirmation of a chapter 13 plan may result in a discharge of debts, which may include all or part of a debt.

However, unless the court orders otherwise, the debts will not be discharged until all payments under the plan

are made. A discharge means that creditors may never try to collect the debt from the debtors personally except

as provided in the plan. If you want to have a particular debt excepted from discharge under 11 U.S.C. §

523(a)(2) or (4), you must file a complaint and pay the filing fee in the bankruptcy clerk's office by the deadline.

If you believe that the debtors are not entitled to a discharge of any of their debts under 11 U.S.C. § 1328(f), you

must file a motion.

14. 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.

15. 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 18-30148-KLP Doc 7 Filed 01/14/18 Entered 01/15/18 00:20:07 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 18-30148-KLP

Lurina Kimberly Edwards Chapter 13

Kelvin Madison Cosby

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-7 User: smithla Page 1 of 2 Date Rcvd: Jan 12, 2018

 Form ID: 309I Total Noticed: 44

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

Jan 14, 2018.

db/jdb +Lurina Kimberly Edwards, Kelvin Madison Cosby, 6271 Fieldshire Ct,

 Mechanicsville, VA 23111-6561

14200916 +American Anesthiology of VA, 1301 Concord Terrace, Fort Lauderdale, FL 33323-2843

14200917 +Applied Business Services, 617 Southside Rd., Edenton, NC 27932-8922

14200918 +Bon Secours, PO Box 28538, Henrico, VA 23228-8538

14200919 +Central Furniture Company, Inc, 3700 Mechanicsville Tnpk, Richmond, VA 23223-1332

14200920 +Charles C Cosby, Jr, PC, 1904 Byrd Ave, Ste 301, Richmond, VA 23230-3029

14200922 +Check Into Cash, 7601 W Broad Street, Ste E, Henrico, VA 23294-3641

14200923 +Connects Federal Credit Union, 7700 Shrader Road, Henrico, VA 23228-2552

14200924 Debt Recovery Solution, Attn: Bankruptcy, 6800 Jericho Tnpk Ste 113e,

 Syosset, NY 11791-0000

14200925 Dominion Energy, PO Box 26543, Richmond, VA 23290-0001

14200927 +Fasmart 084, 8565 MAagellan Pkwy Ste 400, Richmond, VA 23227-1172

14200931 ++LENDMARK FINANCIAL SERVICES LLC, 2118 USHER STREET, COVINGTON GA 30014-2434

 (address filed with court: Lendmark Financial Ser, 2118 Usher St Nw,

 Covington, GA 30014-0000)

14200930 +Lafayette, Ayers, & Whitlock, 10160 Staples Mill Road, Suite 105,

 Glen Allen, VA 23060-3447

14200932 +Memorial Med Ctr--Dept of MRMC, 7229 Forest Ave, Suite 110, Richmond, VA 23226-3765

14200934 Monument Pathologists, PO Box 5468, Martinsville, VA 24115-5468

14200935 +North Shore Agency, 270 Spagnoli Rd., Suite 110, Melville, NY 11747-3515

14200936 +Peter H. Goldmann MD, c/o Edward Whitlock, Esq., 10160 Staples Mill Rd. Ste 105,

 Glen Allen, VA 23060-3447

14200938 +Proactiv Solution, PO Box 11448, Des Moines, IA 50336-1448

14200942 +ROI Services Inc, PO Box 549, Lutherville Timonium, MD 21094-0549

14200940 +Richmond Card Assoc, Dept of MRMC, 7007 Harbour View Blvd Ste 108, Suffolk, VA 23435-3657

14200941 +Richmond Gastroenterology Asso, 107 Wadsworth Dr, Richmond, VA 23236-4521

14200943 +Sheltering Arms Phys Rehab, Sheltering Arms Hospital, 8254 Atlee Rd,

 Mechanicsville, VA 23116-1844

14200945 +St Mary’s Hospital, 5801 Bremo Rd., Richmond, VA 23226-1900

14200947 +Titlemax of Virginia, 7124 Mechanicsville Tnpk, Mechanicsville, VA 23111-3628

14200949 +Treasurer Hanover County, P.O. Box 200, Hanover, VA 23069-0200

14200951 VCU Health System -- MCV Hosp., Set-off Debt Section, PO Box 980462,

 Richmond, VA 23298-0462

14200956 +Wilson Funeral Home, 5008 Nine Mile Rd., Richmond, VA 23223-5733

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

aty E-mail/Text: rdukelaw@gmail.com Jan 13 2018 02:03:32 Robert B. Duke, Jr.,

 America Law Group Inc., dba The Debt Law Group, 8501 Mayland Drive, Suite 106,

 Henrico, VA 23294

tr +E-mail/Text: station01@richchap13.com Jan 13 2018 02:03:52 Carl M. Bates, P. O. Box 1819,

 Richmond, VA 23218-1819

14201753 +E-mail/Text: bkr@taxva.com Jan 13 2018 02:04:20 COMMONWEALTH OF VIRGINIA,

 DEPARTMENT OF TAXATION, PO BOX 2156, RICHMOND, VA 23218-2156

14200921 +E-mail/Text: khorner@checkintocash.com Jan 13 2018 02:04:27 Check Into Cash, PO Box 550,

 Cleveland, TN 37364-0550

14201752 EDI: IRS.COM Jan 13 2018 02:08:00 DEPARTMENT OF THE TREASURY - IRS,

 INTERNAL REVENUE SERVICE, PO BOX 7346, PHILADELPHIA, PA 19101-7346

14200926 E-mail/Text: collections@encirclepayments.com Jan 13 2018 02:04:31 Encircle Collections I,

 Attn: Bankruptcy Dept, 1691 Nw 107th Ave, Doral, FL 33172-0000

14200928 +E-mail/Text: bankruptcy@hsn.net Jan 13 2018 02:04:17 HSN, attn: Bankruptcy, PO Box 9090,

 Clearwater, FL 33758-9090

14200933 E-mail/Text: mmrgbk@miramedrg.com Jan 13 2018 02:04:03 MiraMed Revenue Group, PO Box 536,

 Linden, MI 48451-0536

14200937 +E-mail/Text: bankruptcy@gopfs.com Jan 13 2018 02:04:25 Prestige Financial Svc,

 Attn: Bankruptcy, 1420 South 500 West, Salt Lake City, UT 84115-5149

14200939 +EDI: RMCB.COM Jan 13 2018 02:08:00 Retrieval Masters Creditors Bu, 4 Westchester Plaza,

 Suite 110, Elmsford, NY 10523-1616

14200944 +E-mail/Text: philadelphia.bnc@ssa.gov Jan 13 2018 02:04:13 Social Security,

 1834 West Cary Street, Richmond, VA 23220-5329

14200950 +E-mail/Text: crwkflw@firstdata.com Jan 13 2018 02:04:17 TRS Recovery Services,

 re: BJ’s Wholesale, 14141 SW Freeway, Sugar Land, TX 77478-4630

14200948 +E-mail/Text: bankruptcydepartment@tsico.com Jan 13 2018 02:04:26 Transworld Systems Inc,

 500 Virginia Dr., Suite 514, Fort Washington, PA 19034-2707

14200952 +EDI: VERIZONEAST.COM Jan 13 2018 02:08:00 Verizon, 500 Technology Dr Ste 30,

 Weldon Spring, MO 63304-2225

14200953 EDI: VACU.COM Jan 13 2018 02:08:00 Virginia Credit Union, PO Box 90010,

 Richmond, VA 23225-9010

14200954 +E-mail/Text: bkr@taxva.com Jan 13 2018 02:04:20 Virginia Department of Taxatio,

 PO Box 2156, Richmond, VA 23218-2156

14200955 +E-mail/Text: bankruptcynotice@westlakefinancial.com Jan 13 2018 02:04:02 

 Westlake Financial Srvs, Customer Care, Po Box 76809, Los Angeles, CA 90076-0809

 TOTAL: 17

Case 18-30148-KLP Doc 7 Filed 01/14/18 Entered 01/15/18 00:20:07 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: smithla Page 2 of 2 Date Rcvd: Jan 12, 2018

 Form ID: 309I Total Noticed: 44

 ***** BYPASSED RECIPIENTS (continued) *****

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

14200929* Internal Revenue Service, Centralized Insolvency Operati, P.O. Box 7346,

 Philadelphia, PA 19101-7346

14200946* +St. Mary’s Hospital, 5801 Bremo Rd., Richmond, VA 23226-1900

 TOTALS: 0, * 2, ## 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: Jan 14, 2018 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 January 12, 2018 at the address(es) listed below:

 Carl M. Bates station01@richchap13.com, 

 station10@richchap13.com;station03@richchap13.com;station07@richchap13.com;station06@richchap13.c

 om

 John P. Fitzgerald, III USTPRegional04.RH.ECF@usdoj.gov

 Robert B. Duke, Jr. on behalf of Joint Debtor Kelvin Madison Cosby rdukelaw@gmail.com, 

 thedebtlawgroupmail@gmail.com;dlghearings@gmail.com;2debtlawgroup@gmail.com;r47771@notify.bestcas

 e.com

 Robert B. Duke, Jr. on behalf of Debtor Lurina Kimberly Edwards rdukelaw@gmail.com, 

 thedebtlawgroupmail@gmail.com;dlghearings@gmail.com;2debtlawgroup@gmail.com;r47771@notify.bestcas

 e.com

 TOTAL: 4

Case 18-30148-KLP Doc 7 Filed 01/14/18 Entered 01/15/18 00:20:07 Desc Imaged

 Certificate of Notice Page 5 of 5