Information to identify the case:

Debtor 1 Shelia Jean Agustin

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−7764

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 7 1/21/19

Case number: 19−30317−KRH

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 Shelia Jean Agustin

2. All other names used in the

last 8 years

3. Address 1904 Francis Road

Glen Allen, VA 23059

4. Debtor's attorney

Name and address

Richard C. Pecoraro

Rich Law, PLC

1700 Huguenot Rd.

Suite B4

Midlothian, VA 23113

Contact phone (804) 464−3066

Email: rich@richlawrva.com

5. Bankruptcy trustee

Name and address

Roy M. Terry Jr.

Sands Anderson PC

P.O. Box 2188

Richmond, VA 23218−2188

Contact phone (804) 648−1636

Email: rterry@sandsanderson.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 19-30317-KRH Doc 6 Filed 01/24/19 Entered 01/25/19 00:33:44 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Shelia Jean Agustin Case number 19−30317−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: January 22, 2019

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.

February 19, 2019 at 12:00 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, 701

East Broad Street − Suite 4300,

Richmond, VA 23219−1885

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 does not arise.

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: April 22, 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 19-30317-KRH Doc 6 Filed 01/24/19 Entered 01/25/19 00:33:44 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Shelia Jean Agustin Case number 19−30317−KRH

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. Payment of Fees for

Richmond Case and

Adversary Filing and

Miscellaneous Requests

Exact Change Only accepted as of February 4, 2008, for payment of fees and services.

Payment may 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 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 3

Case 19-30317-KRH Doc 6 Filed 01/24/19 Entered 01/25/19 00:33:44 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-30317-KRH

Shelia Jean Agustin Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: manleyc Page 1 of 2 Date Rcvd: Jan 22, 2019

 Form ID: 309A Total Noticed: 25

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

Jan 24, 2019.

db +Shelia Jean Agustin, 1904 Francis Road, Glen Allen, VA 23059-4519

14687626 +Atlantic Credit & Finance, PO Box 2001, Warren, MI 48090-2001

14687629 +Brock & Scott PLLC, 1315 Westbrook Plaza Drive, Winston Salem, NC 27103-1357

14687632 +Cardmember Service, PO Box 1423, Charlotte, NC 28201-1423

14687638 +Mobiloan LLC, PO Box 1409, Marksville, LA 71351-1409

14687639 +Mr. Cooper, 8950 Cypress Waters Blvd., Coppell, TX 75019-4620

14687642 +Selective Way Insurance Co., c/o Wirt P. Marks, Esq., 7401 Beaufort Springs Dr,

 Richmond, VA 23225-5504

14687646 +Teres Dishman, c/o The McNeil Law Group, 2315 E. Broad Street, Richmond, VA 23223-7126

14687624 +afni- Subrogation Dept, PO Box 3068, Bloomington, IL 61702-3068

14687635 home depot, P.O. Box 9001010, Louisville, KY 40290-1010

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

aty E-mail/Text: rich@richlawrva.com Jan 23 2019 03:53:10 Richard C. Pecoraro, Rich Law, PLC,

 1700 Huguenot Rd., Suite B4, Midlothian, VA 23113

tr E-mail/Text: rterry@iq7technology.com Jan 23 2019 03:55:05 Roy M. Terry, Jr.,

 Sands Anderson PC, P.O. Box 2188, Richmond, VA 23218-2188

14687625 EDI: AMEREXPR.COM Jan 23 2019 08:33:00 American Express, Attn: Customer Service,

 PO Box 981535, El Paso, TX 79998-1535

14687627 EDI: BANKAMER.COM Jan 23 2019 08:33:00 Bank of America, PO Box 15019,

 Wilmington, DE 19886-5019

14687628 +EDI: TSYS2.COM Jan 23 2019 08:33:00 Barclays Bank Delaware, 100 S West Street,

 Wilmington, DE 19801-5015

14687630 EDI: CAPITALONE.COM Jan 23 2019 08:33:00 Capital One, P.O. Box 71083,

 Charlotte, NC 28272-1083

14687631 +EDI: TSYS2.COM Jan 23 2019 08:33:00 Card Services, PO Box 13337,

 Philadelphia, PA 19101-3337

14687633 +EDI: CITICORP.COM Jan 23 2019 08:33:00 Citibank, CitiCards Customer Service,

 PO Box 6500, Sioux Falls, SD 57117-6500

14687636 EDI: RESURGENT.COM Jan 23 2019 08:33:00 LVNV Funding, PO Box 10587,

 Greenville, SC 29603-0587

14687637 +EDI: MID8.COM Jan 23 2019 08:33:00 Midland Funding LLC, P.O. Box 2011,

 Warren, MI 48090-2011

14687640 EDI: PRA.COM Jan 23 2019 08:33:00 Portfolio Recovery Associates,

 Riverside Commerce Center, 120 Corporate Blvd. Ste 100, Norfolk, VA 23502-4962

14687643 EDI: AGFINANCE.COM Jan 23 2019 08:33:00 Springleaf, P.O. Box 742536,

 Cincinnati, OH 45274-2536

14687641 +EDI: SEARS.COM Jan 23 2019 08:33:00 Sears, Billing Disputes, P.O. Box 6282,

 Sioux Falls, SD 57117-6282

14687644 +E-mail/Text: home.fss-bankruptcy.934c00@statefarm.com Jan 23 2019 03:54:17 

 State Farm Insurance, 5400 New Albany Rd East, New Albany, OH 43054-8861

14687645 +EDI: RMSC.COM Jan 23 2019 08:33:00 Synchrony Bank/JCPenney, PO Box 960090,

 Orlando, FL 32896-0090

 TOTAL: 15

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

14687634 ##+Harold Brooks, 2840 Fairway Homes Way, Glen Allen, VA 23059-7467

 TOTALS: 0, * 0, ## 1

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.

Addresses marked ’##’ were identified by the USPS National Change of Address system as undeliverable. Notices

will no longer be delivered by the USPS to these addresses; therefore, they have been bypassed. The

debtor’s attorney or pro se debtor was advised that the specified notice was undeliverable.

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: Jan 24, 2019 Signature: /s/Joseph Speetjens

Case 19-30317-KRH Doc 6 Filed 01/24/19 Entered 01/25/19 00:33:44 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: manleyc Page 2 of 2 Date Rcvd: Jan 22, 2019

 Form ID: 309A Total Noticed: 25

_

 CM/ECF NOTICE OF ELECTRONIC FILING

The following persons/entities were sent notice through the court’s CM/ECF electronic mail (Email)

system on January 22, 2019 at the address(es) listed below:

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

 Richard C. Pecoraro on behalf of Debtor Shelia Jean Agustin rich@richlawrva.com, 

 rsweetcplawfirm@gmail.com;sharia@richlawrva.com;rose@richlawrva.com;PecoraroRR84804@notify.bestca

 se.com

 Roy M. Terry, Jr. rterry@sandsanderson.com, rterry@iq7technology.com;sryan@sandsanderson.com

 TOTAL: 3

Case 19-30317-KRH Doc 6 Filed 01/24/19 Entered 01/25/19 00:33:44 Desc Imaged

 Certificate of Notice Page 5 of 5