Information to identify the case:

Debtor 1 Rosalind Wilson

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−2420

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 for chapter 13 December 23, 2015

Case number: 15−36519−KLP

Official Form 309I

Notice of Chapter 13 Bankruptcy Case 12/15

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 Rosalind Wilson

2. All other names used in the

last 8 years

aka Rosalind Rouse

3. Address 712 Sampson Rd

Dahlgren, VA 22448

4. Debtor's attorney

Name and address

Richard James Oulton

America Law Group, Inc.

8501 Mayland Dr.

Suite 106

Henrico, VA 23294

Contact phone 804−308−0051

Email: 2debtlawgroup@gmail.com

5. Bankruptcy trustee

 Name and address

Suzanne E. Wade

P.O. Box 1780

Richmond, VA 23218−1780

Contact phone (804) 775−0979

Email: ecfsummary@ch13ricva.com

For more information, see page 2 >

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

Case 15-36519-KLP Doc 6 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Rosalind Wilson Case number 15−36519−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: December 24, 2015

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.

February 11, 2016 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 11, 2016

Deadline for all creditors to file a proof of claim

(except governmental units):

Filing deadline: May 11, 2016

Deadline for governmental units to file a proof of

claim:

Filing deadline: June 20, 2016

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 15-36519-KLP Doc 6 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Rosalind Wilson Case number 15−36519−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 2, 2016 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 or summary of 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 15-36519-KLP Doc 6 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 15-36519-KLP

Rosalind Wilson Chapter 13

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: manleyc Page 1 of 2 Date Rcvd: Dec 24, 2015

 Form ID: 309I Total Noticed: 38

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

Dec 26, 2015.

db +Rosalind Wilson, 712 Sampson Rd, Dahlgren, VA 22448-3025

tr Suzanne E. Wade, P.O. Box 1780, Richmond, VA 23218-1780

13185020 +Churchills Choice Apartments, 4530 Lords Landing Rd, Upper Marlboro, MD 20772-2928

13185021 +Citibank / Sears, Citicorp Credit Services, PO Box 790040, Saint Louis, MO 63179-0040

13185022 +Comcast, 5401 Staples Mill Road, Henrico, VA 23228-5443

13185024 +District of Columbia Gvmnt, 1350 Pennsylvania Ave NW, Washington, DC 20004-3003

13185028 +First National Credit, 500E 60th St N, Sioux Falls, SD 57104-0478

13185031 +Maryland Department of Taxatio, 301 W Preston St., Baltimore, MD 21201-2305

13185034 +Partnership Federal Credit Un, 550 17th St, NW, Washington, DC 20429-0001

13185035 Pinnacle, PO Box 130848, Carlsbad, CA 92013-0848

13185036 +Pinnacle Credit Service, Attn: Bankruptcy, PO Box 640, Hopkins, MN 55343-0640

13185038 +Prince George Circuit Court, 14735 Main St., Upper Marlboro, MD 20772-3051

13185039 +Profess Acct, re: District of Columbia Govt, 633 W Wisconsin Ave,

 Milwaukee, WI 53203-1918

13185041 +Seventh Ave, 1112 7th Ave, Monroe, WI 53566-1364

13185043 +Swiss Colony, 1112 7th Ave, Monroe, WI 53566-1364

13185048 +USAA, 1 Corporate Dr., Suite 360, Lake Zurich, IL 60047-8945

13185047 #+Usa Discounters Credit, PO Box 8008, Attn: Bankruptcy Department,

 Virginia Beach, VA 23450-8008

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

aty E-mail/Text: 2debtlawgroup@gmail.com Dec 24 2015 23:38:42 Richard James Oulton,

 America Law Group, Inc., 8501 Mayland Dr., Suite 106, Henrico, VA 23294

13185018 EDI: ARSN.COM Dec 24 2015 23:38:00 ARS National Services, PO Box 469046,

 Escondido, CA 92046-9046

13185019 EDI: CAPITALONE.COM Dec 24 2015 23:38:00 Capital One, Attn: Bankruptcy, PO Box 30285,

 Salt Lake City, UT 84130-0285

13185023 +EDI: WFNNB.COM Dec 24 2015 23:38:00 Comenity Bank/Jessica London, PO Box 182125,

 Columbus, OH 43218-2125

13185025 +EDI: DCI.COM Dec 24 2015 23:38:00 Diversified Consultant, Dci, PO Box 551268,

 Jacksonville, FL 32255-1268

13185025 +E-mail/Text: bankruptcynotices@dcicollect.com Dec 24 2015 23:39:42 Diversified Consultant,

 Dci, PO Box 551268, Jacksonville, FL 32255-1268

13185026 +E-mail/Text: bknotice@erccollections.com Dec 24 2015 23:39:18 ERC/Enhanced Recovery Corp,

 8014 Bayberry Rd, Jacksonville, FL 32256-7412

13185027 +E-mail/Text: bknotification@exeterfinance.com Dec 24 2015 23:39:48 Exeter Finance Corp,

 PO Box 166097, Irving, TX 75016-6097

13185029 +EDI: AMINFOFP.COM Dec 24 2015 23:38:00 First Premier Bank, 601 S Minnesota Ave,

 Sioux Falls, SD 57104-4868

13185030 EDI: IRS.COM Dec 24 2015 23:38:00 Internal Revenue Service, Insolvency Unit,

 PO Box 7346, Philadelphia, PA 19101-7346

13185032 +EDI: NFCU.COM Dec 24 2015 23:38:00 Navy Federal Cr Union, 820 Follin Ln Se,

 Vienna, VA 22180-4907

13185033 +EDI: WFNNB.COM Dec 24 2015 23:38:00 Newport News, PO Box 337003, Denver, CO 80233-7003

13185037 EDI: PRA.COM Dec 24 2015 23:38:00 Portfolio Recovery, Attn: Bankruptcy, PO Box 41067,

 Norfolk, VA 23541-0000

13185042 EDI: NEXTEL.COM Dec 24 2015 23:38:00 Sprint, Attn: Bankruptcy Dept, 4900 W. 95th Street,

 Oak Lawn, IL 60453-0000

13185040 +EDI: DRIV.COM Dec 24 2015 23:38:00 Santander Consumer USA, 8585 N Stemmons FTE,

 Dallas, TX 75247-3822

13185044 +EDI: RMSC.COM Dec 24 2015 23:38:00 Synchrony Bank/Lowes, Attn: Bankruptcy,

 PO Box 103104, Roswell, GA 30076-9104

13185046 EDI: TFSR.COM Dec 24 2015 23:38:00 Toyota Motor Credit, Toyota Financial Services,

 PO Box 8026, Cedar Rapids, IA 52408-0000

13185045 +E-mail/Text: dwilliams@thepartnershipfcu.com Dec 24 2015 23:39:06 The Partnership Fcu,

 550 17th Street Nw, Washington, DC 20429-0001

13185049 +EDI: USAA.COM Dec 24 2015 23:38:00 USAA Federal Savings Bank, 10750 Mcdermott Freeway,

 San Antonio, TX 78288-1600

13185050 +EDI: VERIZONEAST.COM Dec 24 2015 23:38:00 Verizon, 500 Technology Dr Ste 30,

 Weldon Spring, MO 63304-2225

13185051 EDI: VERIZONWIRE.COM Dec 24 2015 23:38:00 Verizon Wireless, PO Box 25505,

 Lehigh Valley, PA 18002-5505

13185052 +E-mail/Text: Bankruptcy@washgas.com Dec 24 2015 23:39:14 Washigton Gas,

 101 Constitution Ave NW, Washington, DC 20001-2133

 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.

Case 15-36519-KLP Doc 6 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: manleyc Page 2 of 2 Date Rcvd: Dec 24, 2015

 Form ID: 309I Total Noticed: 38

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

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 9): 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: Dec 26, 2015 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 December 24, 2015 at the address(es) listed below:

 Richard James Oulton on behalf of Debtor Rosalind Wilson 2debtlawgroup@gmail.com, 

 thedebtlawgroupmail@gmail.com;DLGHearings@gmail.com;scgattorney@gmail.com

 Suzanne E. Wade ecfsummary@ch13ricva.com, trustee@ch13ricva.com

 TOTAL: 2

Case 15-36519-KLP Doc 6 Filed 12/26/15 Entered 12/27/15 00:17:15 Desc Imaged

 Certificate of Notice Page 5 of 5