Information to identify the case:

Debtor 1 Christopher A. Anderson

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−6176

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: 18−36139−KRH

Discharge of Debtor 12/15

IT IS ORDERED: A discharge under 11 U.S.C. § 727 is granted to:

Christopher A. Anderson

aka Chris A. Anderson

April 11, 2019 For the court: William C. Redden

Clerk

Explanation of Bankruptcy Discharge in a Chapter 7 Case

This order does not close or dismiss the case,

and it does not determine how much money, if

any, the trustee will pay creditors.

This order does not prevent debtors from paying

any debt voluntarily or from paying reaffirmed

debts according to the reaffirmation agreement.

11 U.S.C. § 524(c), (f).

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.

Most debts are discharged

Most debts are covered by the discharge, but not

all. Generally, a discharge removes the debtors'

personal liability for debts owed before the

debtors' bankruptcy case was filed.

Also, if this case began under a different chapter

of the Bankruptcy Code and was later converted

to chapter 7, debts owed before the conversion

are discharged.

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.

For more information, see page 2 >

Official Form 318 Discharge of Debtor page 1

Case 18-36139-KRH Doc 32 Filed 04/13/19 Entered 04/14/19 00:26:07 Desc Imaged

 Certificate of Notice Page 1 of 4
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 most taxes;

debts that the bankruptcy court has

decided or will decide are not discharged

in this bankruptcy case;

♦ 

debts for most fines, penalties,

forfeitures, or criminal restitution

obligations;

♦ 

some debts which the debtors did not

properly list;

♦ 

debts for certain types of loans owed to

pension, profit sharing, stock bonus, or

retirement plans; and

♦ 

debts for death or personal injury caused

by operating a vehicle while intoxicated.

♦ 

Also, debts covered by a valid reaffirmation

agreement are not discharged.

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 the bankruptcy 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.

Official Form 318 Discharge of Debtor page 2

Case 18-36139-KRH Doc 32 Filed 04/13/19 Entered 04/14/19 00:26:07 Desc Imaged

 Certificate of Notice Page 2 of 4
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 18-36139-KRH

Christopher A. Anderson Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: smithla Page 1 of 2 Date Rcvd: Apr 11, 2019

 Form ID: 318 Total Noticed: 38

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

Apr 13, 2019.

db +Christopher A. Anderson, 3500 Avocado Drive, Midlothian, VA 23112-3485

cr +PennyMac Loan Services, LLC, BWW Law Group, LLC, 8100 Three Chopt Rd, Suite 240,

 Richmond, VA 23229-4833

14635821 +AT&T Wireless, Post Office Box 8758, Portland, OR 97207-8758

14635815 +Certegy Check Services, Inc., 11601 Roosevelt Blvd., Saint Petersburg, FL 33716-2202

14635826 +Dept of Ed / 582 / Nelnet, 121 S 13th St, Lincoln, NE 68508-1904

14635827 +Dept of Ed / 582 / Nelnet, Attn: Claims, Po Box 82505, Lincoln, NE 68501-2505

14635817 Equifax Check Services, Post Office Box 30272, Tampa, FL 33630-3272

14635819 +Equifax Information Services, PO Box 740241, Atlanta, GA 30374-0241

14635818 +Experian, Dispute Department, P.O. Box 4500, Allen, TX 75013-1311

14635831 +First Electronic Bank, Po Box 4499, Beaverton, OR 97076-4499

14635834 +Glasser & Glasser, P.L.C., P.O. Box 3400, Norfolk, VA 23514-3400

14635836 +Pennymac Loan Services, Attn: Bankruptcy, Po Box 514387, Los Angeles, CA 90051-4387

14635835 +Pennymac Loan Services, 6101 Condor Dr, Moorpark, CA 93021-2602

14635814 +TransUnion, P.O. Box 2000, Chester, PA 19016-2000

14635820 +TransUnion Consumer Relations, 2 Baldwin Place, PO Box 1000, Chester, PA 19016-1000

14637613 +U.S. Attorney, 919 E Main Street, Suite 1900, Richmond, VA 23219-4622

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

tr +EDI: QHSHAIA.COM Apr 12 2019 06:48:00 Harry Shaia, Jr, Spinella, Owings & Shaia, P.C.,

 8550 Mayland Drive, Richmond, VA 23294-4704

14635822 EDI: CAPITALONE.COM Apr 12 2019 06:48:00 Capital One, 15000 Capital One Dr,

 Richmond, VA 23238

14635823 +EDI: CAPITALONE.COM Apr 12 2019 06:48:00 Capital One, Attn: Bankruptcy, Po Box 30285,

 Salt Lake City, UT 84130-0285

14662121 EDI: CAPITALONE.COM Apr 12 2019 06:48:00 Capital One Bank (USA), N.A.,

 by American InfoSource as agent, PO Box 71083, Charlotte, NC 28272-1083

14635816 +Fax: 602-659-2196 Apr 12 2019 04:06:07 ChexSystems, Attn: Consumer Relations,

 7805 Hudson Rd., Suite 100, Saint Paul, MN 55125-1703

14635825 +EDI: WFNNB.COM Apr 12 2019 06:48:00 Comenity Bank/Lane Bryant, Attn: Bankruptcy,

 Po Box 182125, Columbus, OH 43218-2125

14635824 +EDI: WFNNB.COM Apr 12 2019 06:48:00 Comenity Bank/Lane Bryant, Po Box 182789,

 Columbus, OH 43218-2789

14635828 EDI: DISCOVER.COM Apr 12 2019 06:48:00 Discover Financial, Po Box 15316,

 Wilmington, DE 19850

14641716 EDI: DISCOVER.COM Apr 12 2019 06:48:00 Discover Bank, Discover Products Inc,

 PO Box 3025, New Albany, OH 43054-3025

14635829 +EDI: DISCOVER.COM Apr 12 2019 06:48:00 Discover Financial, Po Box 3025,

 New Albany, OH 43054-3025

14635830 +EDI: DCI.COM Apr 12 2019 06:48:00 Diversified Consultants, Inc., Attn: Bankruptcy,

 Po Box 551268, Jacksonville, FL 32255-1268

14635833 +E-mail/Text: bankruptcy@firstelectronic.com Apr 12 2019 03:06:25 First Electronic Bank,

 Geri A. Allison, Registered Ag, 2150 South 1300 East Ste 400,

 Salt Lake City, UT 84106-4336

14635832 +E-mail/Text: bankruptcy@firstelectronic.com Apr 12 2019 03:06:25 First Electronic Bank,

 Attn: Bankruptcy, Po Box 521271, Salt Lake City, UT 84152-1271

14635837 EDI: PRA.COM Apr 12 2019 06:48:00 Portfolio Recovery, 120 Corporate Blvd Ste 1,

 Norfolk, VA 23502

14635838 +EDI: RMSC.COM Apr 12 2019 06:48:00 Syncb/ Home Design, P.O. Box 965030,

 Orlando, FL 32896-5030

14635840 +EDI: RMSC.COM Apr 12 2019 06:48:00 Synchrony Bank/ JC Penneys, Attn: Bankruptcy Dept,

 Po Box 965060, Orlando, FL 32896-5060

14635839 +EDI: RMSC.COM Apr 12 2019 06:48:00 Synchrony Bank/ JC Penneys, Po Box 965007,

 Orlando, FL 32896-5007

14659061 +E-mail/Text: electronicbkydocs@nelnet.net Apr 12 2019 03:05:25 U.S. Department of Education,

 C/O Nelnet, 121 South 13th Street, Suite 201, Lincoln, NE 68508-1911

14635841 +EDI: VACU.COM Apr 12 2019 06:48:00 Virginia Credit Union, 7500 Boulders View Dr,

 Richmond, VA 23225-4066

14635842 +EDI: VACU.COM Apr 12 2019 06:48:00 Virginia Credit Union, Attention: Bankruptcy Dept.,

 PO Box 90010, Richmond, VA 23225-9010

14635843 +EDI: VACU.COM Apr 12 2019 06:48:00 Virginia Credit Union, Attn: Bankruptcy,

 Po Box 90010, Richmond, VA 23225-9010

14651887 +EDI: VACU.COM Apr 12 2019 06:48:00 Virginia Credit Union, Inc., PO Box 90010,

 Richmond, VA 23225-9010

 TOTAL: 22

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

cr* +Virginia Credit Union, Inc., P.O. BOX 90010, RICHMOND, VA 23225-9010

 TOTALS: 0, * 1, ## 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.

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 Certificate of Notice Page 3 of 4
District/off: 0422-7 User: smithla Page 2 of 2 Date Rcvd: Apr 11, 2019

 Form ID: 318 Total Noticed: 38

 ***** 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: Apr 13, 2019 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 April 11, 2019 at the address(es) listed below:

 Harry Shaia, Jr harryshaia@spinella.com, 

 marykeller@spinella.com;dianecollins@spinella.com;hshaiajr@ecf.axosfs.com

 John P. Fitzgerald, III USTPRegion04.RH.ECF@usdoj.gov

 Kyle Thomas Libby on behalf of Creditor PennyMac Loan Services, LLC klibby@hillrainey.com, 

 kyle.libby.bankruptcy@gmail.com

 Pia J. North on behalf of Debtor Christopher A. Anderson 

 R44457@notify.bestcase.com;lawdesk.northlaw@verizon.net;northlaw@pianorth.com;Barbara@pianorth.co

 m;mandy@pianorth.com;northlawecf@gmail.com;notices.northlaw@earthlink.net;bkynotices@gmail.com;ki

 mberly@pianorth.

 TOTAL: 4

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