Information to identify the case:

Debtor 1 Kelly Francis Mandock

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−5640

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Leanna Marie Mandock

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−3621

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia Date case filed for chapter 7 10/29/18

Case number: 18−73816−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 Kelly Francis Mandock Leanna Marie Mandock

2. All other names used in the

last 8 years

3. Address 5609 Earlton Ct.

Virginia Beach, VA 23464

5609 Earlton Ct.

Virginia Beach, VA 23464

4. Debtor's attorney

Name and address

Kenneth A. Moreno

Kenneth A. Moreno, PLLC

1553 S. Military Hwy., Suite 100

Chesapeake, VA 23320

Contact phone (757) 486−1938

Email: kamoreno@msn.com

5. Bankruptcy trustee

Name and address

Tom C. Smith, Jr.

P.O. Box 1506

Virginia Beach, VA 23451

Contact phone (757) 428−3481

Email: trustee@tomcsmith.com

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 18-73816-FJS Doc 6 Filed 11/01/18 Entered 11/02/18 00:26:28 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Kelly Francis Mandock and Leanna Marie Mandock Case number 18−73816−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: October 30, 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.

November 29, 2018 at 02:00 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.

The presumption of abuse arises.

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: January 28,

2019

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 18-73816-FJS Doc 6 Filed 11/01/18 Entered 11/02/18 00:26:28 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Kelly Francis Mandock and Leanna Marie Mandock Case number 18−73816−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 bankruptcynotices.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 18-73816-FJS Doc 6 Filed 11/01/18 Entered 11/02/18 00:26:28 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 18-73816-FJS

Kelly Francis Mandock Chapter 7

Leanna Marie Mandock

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-8 User: paizl Page 1 of 2 Date Rcvd: Oct 30, 2018

 Form ID: 309A Total Noticed: 30

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

Nov 01, 2018.

db/jdb +Kelly Francis Mandock, Leanna Marie Mandock, 5609 Earlton Ct.,

 Virginia Beach, VA 23464-7116

14587702 +Acredale Animal Hospital, 1200 Lake James Dr,, Virginia Beach, VA 23464-6773

14587708 +Citibank/The Home Depot, Attn: Centralized Bankruptcy, PO Box 790034,

 St Louis, MO 63179-0034

14587713 +Keller Williams Real Estate, 33012 Coastal Hwy, Bethany Beach, DE 19930-3777

14587717 +Mr. Cooper, Attn: Bankruptcy, 8950 Cypress Waters Blvd, Coppell, TX 75019-4620

14587720 Ortho Sport and Spine, 2725 Ivy Hill, Buford, GA 30519-7922

14587721 PayPal Credit, PO Box 71202, Charlotte, NC 28272-1202

14587722 Resolve usa, PO Box 920247, Norcross, GA 30010-0247

14587723 Sears, PO Box 78051, Phoenix, AZ 85062-8051

14587724 +South Shore Bank, Attn: Bankruptcy, PO Box 151, Weymouth, MA 02188-0904

14587727 Tidewater Utilities, Inc, Customer Serv. Center, 1500 Ronson Rd., Iselin, NJ 08830-3049

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

aty E-mail/Text: kamoreno@msn.com Oct 31 2018 03:16:12 Kenneth A. Moreno,

 Kenneth A. Moreno, PLLC, 1553 S. Military Hwy., Suite 100, Chesapeake, VA 23320

tr +EDI: QTCSMITH.COM Oct 31 2018 07:08:00 Tom C. Smith, Jr., P.O. Box 1506,

 Virginia Beach, VA 23451-9506

14587703 +EDI: PHINAMERI.COM Oct 31 2018 07:08:00 AmeriCredit/GM Financial, Attn: Bankruptcy,

 PO Box 183853, Arlington, TX 76096-3853

14587704 +EDI: AMEREXPR.COM Oct 31 2018 07:08:00 Amex, Correspondence/Bankruptcy, PO Box 981540,

 El Paso, TX 79998-1540

14587705 EDI: BANKAMER.COM Oct 31 2018 07:08:00 Bank Of America, Attn: Bankruptcy, PO Box 982238,

 El Paso, TX 79998-0000

14587706 +EDI: CAPITALONE.COM Oct 31 2018 07:08:00 Capital One, Attn: Bankruptcy, PO Box 30285,

 Salt Lake City, UT 84130-0285

14587707 +EDI: CITICORP.COM Oct 31 2018 07:08:00 Citibank/Sears, Attn: Bankruptcy, PO Box 6275,

 Sioux Falls, SD 57117-6275

14587709 +EDI: CRFRSTNA.COM Oct 31 2018 07:08:00 Credit First National Assoc, Attn: Bankruptcy,

 PO Box 81315, Cleveland, OH 44181-0315

14587710 EDI: CRFRSTNA.COM Oct 31 2018 07:08:00 Credit First/Firestone, PO Box 81344,

 Cleveland, OH 44188-0344

14587711 +EDI: DISCOVER.COM Oct 31 2018 07:08:00 Discover Financial, PO Box 3025,

 New Albany, OH 43054-3025

14587712 EDI: IRS.COM Oct 31 2018 07:08:00 IRS, Special Procedures, PO Box 10025,

 Richmond, VA 23240-0025

14587714 +E-mail/Text: pslater@langleyfcu.org Oct 31 2018 03:17:33 Langley Fed Credit Uni,

 721 Lakefront Commons, Newport News, VA 23606-3324

14587715 +E-mail/Text: pslater@langleyfcu.org Oct 31 2018 03:17:33 Langley Federal Credit Union,

 Attn: Bankruptcy, 721 Lakefront Commons, Newport News, VA 23606-3324

14587716 +EDI: MERRICKBANK.COM Oct 31 2018 07:08:00 Merrick Bank/CardWorks, Attn: Bankruptcy,

 PO Box 9201, Old Bethpage, NY 11804-9001

14587718 +EDI: NFCU.COM Oct 31 2018 07:08:00 Navy FCU, Attn: Bankruptcy, PO Box 3000,

 Merrifield, VA 22119-3000

14587719 +EDI: NFCU.COM Oct 31 2018 07:08:00 Navy Federal Credit Union, Attn: Bankruptcy,

 PO Box 3000, Merrifield, VA 22119-3000

14587725 +EDI: RMSC.COM Oct 31 2018 07:08:00 Synchrony Bank/Amazon, PO Box 965015,

 Orlando, FL 32896-5015

14587726 +EDI: RMSC.COM Oct 31 2018 07:08:00 Synchrony Bank/Walmart, Attn: Bankruptcy Dept,

 PO Box 965060, Orlando, FL 32896-5060

14587728 EDI: WFFC.COM Oct 31 2018 07:08:00 Wells Fargo Bank, Attn: Bankruptcy Dept, PO Box 6429,

 Greenville, SC 29606-0000

 TOTAL: 19

 ***** 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.

Case 18-73816-FJS Doc 6 Filed 11/01/18 Entered 11/02/18 00:26:28 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-8 User: paizl Page 2 of 2 Date Rcvd: Oct 30, 2018

 Form ID: 309A Total Noticed: 30

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

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: Nov 01, 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 October 30, 2018 at the address(es) listed below:

 John P. Fitzgerald, III ustpregion04.no.ecf@usdoj.gov

 Kenneth A. Moreno on behalf of Joint Debtor Leanna Marie Mandock kamoreno@msn.com

 Kenneth A. Moreno on behalf of Debtor Kelly Francis Mandock kamoreno@msn.com

 Tom C. Smith, Jr. trustee@tomcsmith.com, tcsmith@ecf.epiqsystems.com

 TOTAL: 4

Case 18-73816-FJS Doc 6 Filed 11/01/18 Entered 11/02/18 00:26:28 Desc Imaged

 Certificate of Notice Page 5 of 5