Information to identify the case:

Debtor 1 Robert E. Davis

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1345

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Mary B. Davis

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1309

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia Date case filed for chapter 13 11/27/18

Case number: 18−35927−KRH

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 Robert E. Davis Mary B. Davis

2. All other names used in the

last 8 years

3. Address 14200 Key Deer Dr.

Midlothian, VA 23112

14200 Key Deer Dr.

Midlothian, VA 23112

4. Debtor's attorney

Name and address Pro Se

5. Bankruptcy trustee

 Name and address

Carl M. Bates

P. O. Box 1819

Richmond, VA 23218

Contact phone (804) 237−6800

Email: station01@richchap13.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 5
Debtor Robert E. Davis and Mary B. Davis Case number 18−35927−KRH

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

701 East Broad Street

Richmond, VA 23219

Hours open Monday − Friday, 9:00 AM − 4:00 PM

ET, except on holidays.

Contact phone 804−916−2400

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

Date: November 28, 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.

January 3, 2019 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, 701 East Broad

Street − Suite 4300, Richmond, VA 23219−1885

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: March 4, 2019

Deadline for all creditors to file a proof of claim

(except governmental units):

Filing deadline: February 5, 2019

Deadline for governmental units to file a proof of

claim:

Filing deadline: May 28, 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 Robert E. Davis and Mary B. Davis Case number 18−35927−KRH

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. If no objections are timely filed, there will be no confirmation hearing. Timely

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

January 30, 2019 at 11:10 AM,

Location: Judge Huennekens − Courtroom, U. S. Bankruptcy Court, 701 E. Broad St., Rm. 5000,

Richmond, VA 23219

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 Exact Change Only accepted for cash payment of fees and services. Payment may also be made by

non−debtor's check, money order, cashier's check or a 'not to exceed check' made payable to Clerk, U.S.

Bankruptcy Court, or any authorized non−debtor's credit card.

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 18-35927-KRH Doc 8 Filed 11/30/18 Entered 12/01/18 00:30:05 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 18-35927-KRH

Robert E. Davis Chapter 13

Mary B. Davis

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-7 User: bullockn Page 1 of 2 Date Rcvd: Nov 28, 2018

 Form ID: 309I Total Noticed: 27

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

Nov 30, 2018.

db/jdb +Robert E. Davis, Mary B. Davis, 14200 Key Deer Dr., Midlothian, VA 23112-6118

14623211 +CBC Collections, Po Box 5067, Kingsport, TN 37663-0067

14623212 +Chase Mortgage, Attn: Case Research & Bankruptcy, Po Box 24 696, Columbus, OH 43224-0696

14623223 +DMV, 2300 W. Broad Street, Richmond, VA 23220-2051

14623224 +Dominion Energy, PO Box 26543, Richmond, VA 23290-0001

14623225 +EZ Pass - VDOT, PO Box 1234, Clifton Forge, VA 24422-0724

14623232 +Orlans PC, P.O. Box 2548, Leesburg, VA 20177-7754

14623233 +Peter Heindel, Nancy Loftus, 6802 Paragon Place Ste 410, Richmond, VA 23230-1655

14623236 +Richmond General District CT, 400 N. Ninth Street RM 209, Traffic Div,

 Richmond, VA 23219-1545

14623237 +Richmond Metropolitan Transpor, 9701 Metropolitan Court, Ste B, Richmond, VA 23236-3690

14623238 +Seterus, PO Box 4121, Beaverton, OR 97076-4121

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

tr +E-mail/Text: station01@richchap13.com Nov 29 2018 03:21:35 Carl M. Bates, P. O. Box 1819,

 Richmond, VA 23218-1819

14623208 EDI: BANKAMER.COM Nov 29 2018 07:58:00 Bank of America, Attn: Bankruptcy, Po Box 982238,

 El Paso, TX 79998

14623218 EDI: HCA2.COM Nov 29 2018 07:58:00 CJW Med Ctr, PO Box 740760,

 Cincinnati, OH 45274-0760

14623209 +EDI: CAPITALONE.COM Nov 29 2018 07:58:00 Capital One, Attn: Bankruptcy, Po Box 30285,

 Salt Lake City, UT 84130-0285

14623210 +EDI: CAPITALONE.COM Nov 29 2018 07:58:00 Capital One Bank, PO Box 25131,

 Richmond, VA 23260-5131

14623213 +E-mail/Text: lmoore@vacourts.gov Nov 29 2018 03:21:09 Chesterfield GDC, PO Box 144,

 Chesterfield, VA 23832-0910

14623219 +EDI: WFNNB.COM Nov 29 2018 07:58:00 Comenity Bank, P.O box 182124,

 Columbus, OH 43218-2124

14623220 +EDI: RCSFNBMARIN.COM Nov 29 2018 07:58:00 Credit One Bank, Attn: Bankruptcy,

 Po Box 98873, Las Vegas, NV 89193-8873

14623226 +EDI: AMINFOFP.COM Nov 29 2018 07:58:00 First Premier Bank, 601 S Minnesota Ave,

 Sioux Falls, SD 57104-4868

14623227 +E-mail/Text: bknoticing@grantweber.com Nov 29 2018 03:21:50 Grant & Weber,

 Attn: Bankruptcy, 26610 Agoura Road, Suite 209, Calabasas, CA 91302-2975

14623229 +EDI: CBSKOHLS.COM Nov 29 2018 07:58:00 Kohls/Capital One, Kohls Credit, Po Box 3120,

 Milwaukee, WI 53201-3120

14623230 +EDI: PARALONMEDCREDT Nov 29 2018 07:58:00 Medicredit Inc., Po Box 1629,

 Maryland Heights, MO 63043-0629

14623231 +EDI: MID8.COM Nov 29 2018 07:58:00 Midland Funding, 2365 Northside Dr Ste 300,

 San Diego, CA 92108-2709

14623235 +EDI: PRA.COM Nov 29 2018 07:58:00 Portfolio Recovery, Po Box 41021,

 Norfolk, VA 23541-1021

14623239 +EDI: VERIZONCOMB.COM Nov 29 2018 07:58:00 Verizon, Verizon Wireless Bk Admin,

 500 Technology Dr Ste 550, Weldon Springs, MO 63304-2225

14623240 +EDI: WFFC.COM Nov 29 2018 07:58:00 Wells Fargo Dealer Services,

 Attn: Bankruptcy Department, P.O. Box 19657, Irvine, CA 92623-9657

 TOTAL: 16

 ***** 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 30, 2018 Signature: /s/Joseph Speetjens

Case 18-35927-KRH Doc 8 Filed 11/30/18 Entered 12/01/18 00:30:05 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: bullockn Page 2 of 2 Date Rcvd: Nov 28, 2018

 Form ID: 309I Total Noticed: 27

_

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

 Carl M. Bates station01@richchap13.com, 

 station10@richchap13.com;station03@richchap13.com;station07@richchap13.com;station06@richchap13.c

 om

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

 TOTAL: 2

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 Certificate of Notice Page 5 of 5