Information to identify the case:

Debtor 1 Paulette Gloria Bell

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−3190

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: 17−36245−KRH

Discharge of Debtor 12/15

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

Paulette Gloria Bell

March 28, 2018 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 17-36245-KRH Doc 12 Filed 03/31/18 Entered 04/01/18 00:29:28 Desc Imaged

Certificate of Notice Page 1 of 3
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 17-36245-KRH Doc 12 Filed 03/31/18 Entered 04/01/18 00:29:28 Desc Imaged

Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 17-36245-KRH

Paulette Gloria Bell Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: admin Page 1 of 1 Date Rcvd: Mar 29, 2018

 Form ID: 318 Total Noticed: 19

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

Mar 31, 2018.

db +Paulette Gloria Bell, 4906 Valley Crest Drive, #303, Midlothian, VA 23112-8636

14176789 +Attny Kent Gilliam, 7821 Iron Bridge Rd, North Chesterfield, VA 23237-2240

14176791 Capital One, P.O. Box 30256, Salt Lake City, UT 84130-0256

14176792 Capital One - Quick Silver, PO Box 71083, Charlotte, NC 28272-1083

14176794 Commonwealth Anesthesia, c/o Credit Adjustment, 8002 Discovery Drive Ste 311,

 Henrico, VA 23229-8601

14176787 +Equifax Credit Information, P.O. Box 740241, Atlanta, GA 30374-0241

14176799 Ortho Virginia, PO BOX 35725, Richmond, VA 23235-0725

14176783 +Richard S. Clinger VSB, Richard S. Clinger, 422 East Franklin Street, Suite 101,

 Richmond, VA 23219-2226

14176800 +St. Frances Med Ctr, c/o P.Ol Box 404893, Atlanta, GA 30384-0001

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

tr +EDI: QLLTAVENNER.COM Mar 30 2018 08:38:00 Lynn L. Tavenner,

 20 North Eighth Street, Second Floor, Richmond, VA 23219-3302

14176788 +EDI: AMEREXPR.COM Mar 30 2018 08:38:00 American Express, P.O. Box 30384,

 Salt Lake City, UT 84130-0384

14176790 +EDI: TSYS2.COM Mar 30 2018 08:38:00 Barclay Bank Delaware, P.O. Box 8833,

 Wilmington, DE 19899-8833

14176793 +E-mail/Text: lmoore@vacourts.gov Mar 30 2018 04:54:26 Chesterfield General District,

 P.O. Box 144, Chesterfield, VA 23832-0910

14176795 +EDI: RCSFNBMARIN.COM Mar 30 2018 08:38:00 Credit One, P.O. Box 98875,

 Las Vegas, NV 89193-8875

14176785 EDI: IRS.COM Mar 30 2018 08:38:00 Internal Revenue Service, Insolvency Units,

 P.O. Box 7346, Philadelphia, PA 19101-7346

14176796 +EDI: CBSKOHLS.COM Mar 30 2018 08:38:00 Kohls, PO Box 3120, Milwaukee, WI 53201-3120

14176797 +E-mail/Text: legal@partners-mo.com Mar 30 2018 04:55:04 Massage Envy,

 c/o Partners Financial, P.O. Box 728, Fenton, MO 63026-0728

14176798 EDI: NAVIENTFKASMSERV.COM Mar 30 2018 08:38:00 Navient, PO Box 9635,

 Wilkes Barre, PA 18773-9635

14176786 E-mail/Text: ustpregion04.rh.ecf@usdoj.gov Mar 30 2018 04:54:58 Office of the U. S. Trustee,

 701 East Broad Street, Room 4305, Richmond, VA 23219-1885

 TOTAL: 10

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

14176784* +Paulette Gloria Bell, 4906 Valley Crest Drive, #303, Midlothian, VA 23112-8636

 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.

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: Mar 31, 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 March 28, 2018 at the address(es) listed below:

 Judy A. Robbins USTPRegion04.RH.ECF@usdoj.gov

 Lynn L. Tavenner ltavenner@tb-lawfirm.com, 

 sleadbeater@tb-lawfirm.com;amorris@tb-lawfirm.com;ltavenner@ecf.epiqsystems.com

 Richard S. Clinger on behalf of Debtor Paulette Gloria Bell rclinger2@verizon.net

 TOTAL: 3

Case 17-36245-KRH Doc 12 Filed 03/31/18 Entered 04/01/18 00:29:28 Desc Imaged

Certificate of Notice Page 3 of 3