Information to identify the case:

Debtor 1 Oscar A Ochoa

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−9480

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: 18−11925−BFK

Discharge of Debtor 12/15

IT IS ORDERED: A discharge under 11 U.S.C. § 1328(a) is granted to:

Oscar A Ochoa

September 27, 2021 For the court: William C. Redden

Clerk

Explanation of Bankruptcy Discharge in a Chapter 13 Case

This order does not close or dismiss the case.

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.

This order does not prevent debtors from paying

any debt voluntarily. 11 U.S.C. § 524(f).

Most debts are discharged

Most debts are covered by the discharge, but

not all. Generally, a discharge removes the

debtors' personal liability for debts provided for

by the chapter 13 plan.

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.

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 certain types of taxes specified

in 11 U.S.C. §§ 507(a)(8)( C),

523(a)(1)(B), or 523(a)(1)(C) to the

extent not paid in full under the plan;

♦ 

For more information, see page 2>

Form 3180W Chapter 13 Discharge page 1

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debts that the bankruptcy court has

decided or will decide are not discharged

in this bankruptcy case;

♦ 

debts for restitution, or a criminal fine,

included in a sentence on debtor's criminal

conviction;

♦ 

some debts which the debtors did not

properly list;

♦ 

debts provided for under 11 U.S.C. §

1322(b)(5) and on which the last payment

or other transfer is due after the date on

which the final payment under the plan

was due;

♦ 

debts for certain consumer purchases

made after the bankruptcy case was filed if

obtaining the trustee's prior approval of

incurring the debt was practicable but was

not obtained;

♦ 

debts for restitution, or damages,

awarded in a civil action against the

debtor as a result of malicious or willful

injury by the debtor that caused

personal injury to an individual or the

death of an individual; and

♦ 

debts for death or personal injury

caused by operating a vehicle while

intoxicated.

♦ 

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 a chapter 13 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.

Form 3180W Chapter 13 Discharge page 2

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United States Bankruptcy Court

Eastern District of Virginia

In re: Case No. 18-11925-BFK

Oscar A Ochoa Chapter 13

Debtor

CERTIFICATE OF NOTICE

District/off: 0422-9 User: chandlerk Page 1 of 2

Date Rcvd: Sep 27, 2021 Form ID: 3180W Total Noticed: 17

The following symbols are used throughout this certificate:

Symbol Definition

+ Addresses marked '+' were corrected by inserting the ZIP, adding the last four digits to complete the zip +4, or replacing an incorrect ZIP. USPS

regulations require that automation-compatible mail display the correct ZIP.

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on Sep 29, 2021:

Recip ID Recipient Name and Address

db + Oscar A Ochoa, 10244 Magnolia Grove Dr, Manassas, VA 20110-7975

cr + Nationstar Mortgage LLC d/b/a Mr. Cooper, 8950 Cypress Waters Blvd, Coppell, TX 75019-4620

14427915 + Grassy Sprain Group, Inc., 9858 Clint Moore Rd Suite C-11 #217, Boca Raton, FL 33496-1034

14511849 + Harris & Loftus, 7900 Suddley Rd. #608, Manassas VA 20109-2806

14396223 Harris & Loftus, 7900 Sudley Rd #608, Chantilly, VA 20151-0000

14396224 + McCabe Weisberg & Conway, 312 Marshall Ave. Ste 800, Laurel, MD 20707-4808

14742291 + Nationstar Mortgage LLC d/b/a Mr. Cooper, Bankruptcy Dept. PO Box 619096, Dallas, TX 75261-9096

14453212 + Pacific Union Financial LLC, 1603 LBJ Freeway Suite 500, Farmers Branch, TX 75234-6071

14396225 + Pacific Union Financial LLC, 1603 LBJ Freeway Ste 500, Dallas, TX 75234-6071

14396226 + Surety Trustees LLC, 722 E Market St Ste 203, Leesburg, VA 20176-4475

14396227 + Wellington Community Assn. Inc, c/o HarrisLoftus PLLC, 7900 Sudley Rd Ste 608, Manassas, VA 20109-2806

14396228 + Xenia Paz de Ochoa, 10244 Magnolia Grove Dr, Manassas, VA 20110-7975

14410072 + c/o McCabe, Weisberg & Conway, LLC, 312 Marshall Avenue, Suite 800, Laurel, MD 20707-4808

TOTAL: 13

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

Electronic transmission includes sending notices via email (Email/text and Email/PDF), and electronic data interchange (EDI). Electronic transmission is in Eastern

Standard Time.

Recip ID Notice Type: Email Address Date/Time Recipient Name and Address

14396221 + EDI: CAPITALONE.COM

Sep 28 2021 03:53:00 Capital One, PO Box 30287, Salt Lake City, UT

84130-0287

14472812 EDI: CAPITALONE.COM

Sep 28 2021 03:53:00 Capital One Bank (USA), N.A., by American

InfoSource LP as agent, PO Box 71083, Charlotte,

NC 28272-1083

14396222 + EDI: CHASEAUTO

Sep 28 2021 03:53:00 Chase Bank, PO Box 78101, Phoenix, AZ

85062-8101

14434316 EDI: CHASEAUTO

Sep 28 2021 03:53:00 JPMorgan Chase Bank, N.A., P.O. Box 29505

AZ1-1191, Phoenix, AZ 85038-9505

TOTAL: 4

BYPASSED RECIPIENTS 

The following addresses were not sent this bankruptcy notice due to an undeliverable address, *duplicate of an address listed above, *P duplicate of a

preferred address, or ## out of date forwarding orders with USPS.

Recip ID Bypass Reason Name and Address

cr JPMORGAN CHASE BANK, N.A.

cr JPMorgan Chase Bank, National Association

cr Wellington Community Association, Inc.

cr *+ Pacific Union Financial LLC, 1603 LBJ Freeway, Suite 500, Farmers Branch, TX 75234-6071

TOTAL: 3 Undeliverable, 1 Duplicate, 0 Out of date forwarding address

NOTICE CERTIFICATION

I, Joseph Speetjens, declare under the penalty of perjury that I have sent the attached document to the above listed entities

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District/off: 0422-9 User: chandlerk Page 2 of 2

Date Rcvd: Sep 27, 2021 Form ID: 3180W Total Noticed: 17

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: Sep 29, 2021 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 September 27, 2021 at the address(es) listed

below:

Name Email Address

Brandon R. Jordan

on behalf of Creditor JPMORGAN CHASE BANK N.A. bjordan@raslg.com, rascrane@ecf.courtdrive.com

Daniel M. Press

on behalf of Debtor Oscar A Ochoa dpress@chung-press.com pressdm@gmail.com

David William Gaffey

on behalf of Creditor Wellington Community Association Inc. dgaffey@wtplaw.com, clano@wtplaw.com

John P. Fitzgerald, III

ustpregion04.ax.ecf@usdoj.gov 

Malcolm Brooks Savage, III

on behalf of Creditor Nationstar Mortgage LLC d/b/a Mr. Cooper LOGSECF@logs.com 

Mark David Meyer

on behalf of Creditor Pacific Union Financial LLC bankruptcy@rosenberg-assoc.com 

Mark David Meyer

on behalf of Creditor Nationstar Mortgage LLC d/b/a Mr. Cooper bankruptcy@rosenberg-assoc.com 

Mary F. Balthasar Lake

on behalf of Creditor Nationstar Mortgage LLC d/b/a Mr. Cooper LOGSECF@logs.com 

Nadeem Tariq

on behalf of Creditor JPMorgan Chase Bank National Association NTariq@mwc-law.com

Nicole L. McKenzie

on behalf of Creditor Nationstar Mortgage LLC d/b/a Mr. Cooper Nicole@talawgroup.com 

Richard Derrick Painter

on behalf of Creditor JPMorgan Chase Bank National Association bankruptcyva@mwc-law.com

Thomas P. Gorman

ch13alex@gmail.com tgorman26@gmail.com

TOTAL: 12

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