Information to identify the case:

Debtor 1 Cherie Harrison Savage

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−5929

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 10/31/18

Case number: 18−73839−FJS

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 Cherie Harrison Savage

2. All other names used in the

last 8 years

3. Address 5265 Norvella Ave

Norfolk, VA 23513

4. Debtor's attorney

Name and address

Carolyn Anne Bedi

Bedi Legal, P.C.

501 Independence Pkwy., Suite 102

Chesapeake, VA 23320

Contact phone 757−222−5842

Email: Carolyn@bedilegal.com

5. Bankruptcy trustee

 Name and address

R. Clinton Stackhouse Jr.

Chapter 12/13 Trustee

7021 Harbour View Boulevard

Suite 101

Suffolk, VA 23435

Contact phone (757) 333−4000

Email: bcourt@rcsch13.com

For more information, see page 2 >

Official Form 309I Notice of Chapter 13 Bankruptcy Case [b309ivOct18.jsp] page 1

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 Certificate of Notice Page 1 of 4
Debtor Cherie Harrison Savage Case number 18−73839−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: November 1, 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.

December 3, 2018 at 10:00 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, 200 Granby Street,

Room 120, Norfolk, VA 23510

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: February 1, 2019

Deadline for all creditors to file a proof of claim

(except governmental units):

Filing deadline: January 9, 2019

Deadline for governmental units to file a proof of

claim:

Filing deadline: April 29, 2019

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 [b309ivOct18.jsp] page 2

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Debtor Cherie Harrison Savage Case number 18−73839−FJS

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. A confirmation hearing will be held even if no objections have been filed.

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

January 15, 2019 at 10:30 AM,

Location: Judge Santoro − Courtroom 2, U. S. Bankruptcy Court, 4th Floor, 600 Granby Street, Norfolk,

VA 23510

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. 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 309I Notice of Chapter 13 Bankruptcy Case [b309ivOct18.jsp] page 3

Case 18-73839-FJS Doc 7 Filed 11/04/18 Entered 11/04/18 23:22:39 Desc Imaged

 Certificate of Notice Page 3 of 4
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 18-73839-FJS

Cherie Harrison Savage Chapter 13

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-8 User: mitchella Page 1 of 1 Date Rcvd: Nov 02, 2018

 Form ID: 309I Total Noticed: 21

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

Nov 04, 2018.

db +Cherie Harrison Savage, 5265 Norvella Ave, Norfolk, VA 23513-1542

tr +R. Clinton Stackhouse, Jr., Chapter 12/13 Trustee, 7021 Harbour View Boulevard, Suite 101,

 Suffolk, VA 23435-2869

14590600 +Best Buy/ CBNA, PO Box 6497, Sioux Falls, SD 57117-6497

14590604 City of Norfolk, PO Box 3215, Norfolk, VA 23514-3215

14590606 +Grand Brands dba Grand Furnitu, 1305 Baker Road, Virginia Beach, VA 23455-3317

14590608 Jefferson Sessions, Atty Gen., US Dept. of Justice, 950 Pennsylvania Ave., NW,

 Washington, DC 20530-0001

14590610 +Mohela/Dept of Education, 633 Sprint Drive, Chesterfield, MO 63005-1243

14590614 TD Bank USA/Target Credit, TD Bank USA/Target Credit, Minneapolis, MN 55440-0000

14590615 +Tiki Series III Trust, 7114 E Stetson Dr., Suite 250, Scottsdale, AZ 85251-3264

14590616 US Attorney’s Office, 101 W Main Street, Ste 8000, Norfolk, VA 23510-1671

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

aty E-mail/Text: Carolyn@bedilegal.com Nov 03 2018 02:37:18 Carolyn Anne Bedi,

 Bedi Legal, P.C., 501 Independence Pkwy., Suite 102, Chesapeake, VA 23320

14590601 +EDI: TSYS2.COM Nov 03 2018 06:23:00 Bloomingdales/DSNB, PO Box 8218,

 Mason, OH 45040-8218

14590602 +EDI: CAPITALONE.COM Nov 03 2018 06:23:00 Capital One, P.O. BOX 30281,

 Salt Lake City, UT 84130-0281

14590603 +E-mail/Text: khorner@checkintocash.com Nov 03 2018 02:38:28 Check into Cash,

 201 Keith Street, Suite 80, Cleveland, TN 37311-5867

14590605 +EDI: AMINFOFP.COM Nov 03 2018 06:23:00 First Premier Bank, 601 South Minnesota Ave.,

 Sioux Falls, SD 57104-4868

14590607 EDI: IRS.COM Nov 03 2018 06:23:00 Internal Revenue Service, PO Box 7346,

 Philadelphia, PA 19101-7346

14590609 +EDI: CBSKOHLS.COM Nov 03 2018 06:23:00 Kohls / Capone, PO Box 3115,

 Milwaukee, WI 53201-3115

14590611 +E-mail/Text: netcreditbnc@enova.com Nov 03 2018 02:38:28 Net Credit,

 200 West Jackson Blvd.,, Ste. 1400, Chicago, IL 60606-6929

14590612 +E-mail/Text: bnc@nordstrom.com Nov 03 2018 02:37:28 Nordstrom/TD Bank USA,

 13531 E Caley Ave, Englewood, CO 80111-6504

14590613 EDI: CBS7AVE Nov 03 2018 06:23:00 Seventh Avenue, 1112 7th Ave, Monroe, WI 53566-1364

14590617 E-mail/Text: bkr@taxva.com Nov 03 2018 02:38:15 VA Department of Taxation, PO Box 2369,

 Richmond, VA 23218-2369

 TOTAL: 11

 ***** 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.

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 04, 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 November 1, 2018 at the address(es) listed below:

 Carolyn Anne Bedi on behalf of Debtor Cherie Harrison Savage Carolyn@bedilegal.com

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

 R. Clinton Stackhouse, Jr. bcourt@rcsch13.com

 TOTAL: 3

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