Information to identify the case:

Debtor 1 Michael A. Holliday

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−0705

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Tracie R. Holliday

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−2410

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia Date case filed for chapter 7 6/14/19

Case number: 19−33181−KLP

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 Michael A. Holliday Tracie R. Holliday

2. All other names used in the

last 8 years

3. Address 1409 Chickview Court

Richmond, VA 23223

1409 Chickview Court

Richmond, VA 23223

4. Debtor's attorney

Name and address

Keith A. Pagano

Pagano & Marks, P.C.

4510 S. Laburnum Ave

Richmond, VA 23231

Contact phone 804−447−1002

Email: kpagano@paganomarks.com

5. Bankruptcy trustee

Name and address

Bruce H. Matson

LeClair Ryan, A Professional Corporation

919 East Main Street

24th Floor

Richmond, VA 23219

Contact phone (804) 783−2003

Email: bhmtrustee@leclairryan.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 19-33181-KLP Doc 4 Filed 06/19/19 Entered 06/20/19 00:27:47 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Michael A. Holliday and Tracie R. Holliday Case number 19−33181−KLP

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: June 17, 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.

July 23, 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. 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: September 23,

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 19-33181-KLP Doc 4 Filed 06/19/19 Entered 06/20/19 00:27:47 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Michael A. Holliday and Tracie R. Holliday Case number 19−33181−KLP

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 19-33181-KLP Doc 4 Filed 06/19/19 Entered 06/20/19 00:27:47 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-33181-KLP

Michael A. Holliday Chapter 7

Tracie R. Holliday

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-7 User: bullockn Page 1 of 2 Date Rcvd: Jun 17, 2019

 Form ID: 309A Total Noticed: 61

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

Jun 19, 2019.

db/jdb +Michael A. Holliday, Tracie R. Holliday, 1409 Chickview Court, Richmond, VA 23223-1290

14901002 +AR Resources, Inc., Attn: Bankruptcy, Po Box 1056, Blue Bell, PA 19422-0287

14901004 +Bon Secours/Richmond Health Sy, PO Box 11302, Richmond, VA 23230-1302

14901013 Chase Cardmember Services, P.O. Box 1423, Charlotte, NC 28201-1423

14901014 Colon and Rectal Specialists, PO Box 70897, Henrico, VA 23255-0897

14901017 +Commonwealth Hospitalists Serv, 4050 Innslake Dr, #308, Glen Allen, VA 23060-3327

14901019 +Credit One Bank N.A., 335 Madison Ave, New York, NY 10017-4611

14901022 ++FOCUSED RECOVERY SOLUTIONS, 9701 METROPOLITAN COURT, STE B, RICHMOND VA 23236-3690

 (address filed with court: Focused Recovery Solutions, Attn: Bankruptcy,

 9701-Metropolitan Ct, North Chesterfield, VA 23236-0000)

14901024 +Henrico Doctor’s Hospital, 9701 Metropolitan Court, Suite B, Richmond, VA 23236-3690

14901026 +Henrico Fcu, 9401 W Broad St, Henrico, VA 23294-5331

14901028 JC Penney, POBox 628046, Orlando, FL 32862-8046

14901029 +Kohls/Capital One, Attn: Bankruptcy, Po Box 30285, Salt Lake City, UT 84130-0285

14901038 +MRMC Inpatient Surgical Specia, 7229 Forest Ave, Suite 110, Richmond, VA 23226-3765

14901032 +Memorial Regional Center, PO Box 409438, Atlanta, GA 30384-9438

14901037 +Mr. Cooper, Attn: Bankruptcy, 8950 Cypress Waters Blvd, Coppell, TX 75019-4620

14901041 +NPAS, Inc., P.O. Box 99400, Louisville, KY 40269-0400

14901042 +Old Dominion Pathology Assoc., PO Box 223371, Chantilly, VA 20153-3371

14901046 +Retreat Hospital, PO 5306, Richmond, VA 23220-0306

14901047 +Richmond Gastroenterology Asso, 107 Wadsworth Drive, Richmond, VA 23236-4521

14901048 +South River Dentistry, 2301 Robious Station Circle, Midlothian, VA 23113-2124

14901050 Synchrony Bank, c/o Zwicker & Associates, 948 Cophher Road 2nd Floor,

 Gaithersburg, MD 20878-0000

14901055 +United Collection Bureau Inc, 5620 Southwyck Boulevard, Suite 206, Toledo, OH 43614-1501

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

aty E-mail/Text: kpagano@paganomarks.com Jun 18 2019 03:59:25 Keith A. Pagano,

 Pagano & Marks, P.C., 4510 S. Laburnum Ave, Richmond, VA 23231

tr +EDI: QBHMATSON.COM Jun 18 2019 07:23:00 Bruce H. Matson,

 LeClair Ryan, A Professional Corporation, 919 East Main Street, 24th Floor,

 Richmond, VA 23219-4622

14901001 +EDI: AMSHER.COM Jun 18 2019 07:23:00 AmSher Collection Srv, 4524 Southlake Parkway,

 Ste 15, Hoover, AL 35244-3271

14901000 E-mail/Text: CollectionsCompliance@firstdata.com Jun 18 2019 04:04:17 Amazon Marketplace,

 c/o TRS Recovery Services, PO Box 60022, City of Industry, CA 91716-0022

14901003 EDI: BMW.COM Jun 18 2019 07:23:00 Bmw Financial Services, Attn: Bankruptcy Department,

 Po Box 3608, Dublin, OH 43016-0000

14901006 EDI: CAPITALONE.COM Jun 18 2019 07:23:00 Capital One, P.O. Box 85015,

 Richmond, VA 23285-5015

14901011 +EDI: CCS.COM Jun 18 2019 07:23:00 CCS, 2 Wells Ave, Newton, MA 02459-3246

14901015 EDI: COMCASTCBLCENT Jun 18 2019 07:23:00 Comcast, P.O. Box 3012,

 Southeastern, PA 19398-3012

14901005 +EDI: CAPITALONE.COM Jun 18 2019 07:23:00 Capital One, Attn: Bankruptcy, Po Box 30285,

 Salt Lake City, UT 84130-0285

14901007 +EDI: CAPONEAUTO.COM Jun 18 2019 07:23:00 Capital One Auto Finance, Attn: Bankruptcy,

 Po Box 30285, Salt Lake City, UT 84130-0285

14901008 +EDI: CAPITALONE.COM Jun 18 2019 07:23:00 Capital One Services, Payment Remittance,

 11013 West Broad St. Rd., Glen Allen, VA 23060-6017

14901009 EDI: CAPITALONE.COM Jun 18 2019 07:23:00 Capitol One, P.O. Box 71083,

 Charlotte, NC 28272-1083

14901012 +EDI: CHASE.COM Jun 18 2019 07:23:00 Chase Card Services, Attn: Bankruptcy, Po Box 15298,

 Wilmington, DE 19850-5298

14901016 +EDI: WFNNB.COM Jun 18 2019 07:23:00 Comenity Bank, P.O. Box 182273,

 Columbus, OH 43218-2273

14901018 EDI: RCSFNBMARIN.COM Jun 18 2019 07:23:00 Credit One Bank, P.O. Box 60500,

 City of Industry, CA 91716-0500

14901020 EDI: DISCOVER.COM Jun 18 2019 07:23:00 Discover Financial, Attn: Bankruptcy Department,

 Po Box 15316, Wilmington, DE 19850-0000

14901021 +E-mail/Text: bknotice@ercbpo.com Jun 18 2019 04:03:08 ERC/Enhanced Recovery Corp,

 Attn: Bankruptcy, 8014 Bayberry Road, Jacksonville, FL 32256-7412

14901023 +EDI: HCA2.COM Jun 18 2019 07:23:00 HCA Health Services of Virgini, 1602 Skipwith Road,

 Richmond, VA 23229-5205

14901025 EDI: HCA2.COM Jun 18 2019 07:23:00 Henrico Doctors’ Hosp. Forest, PO Box 740760,

 Cincinnati, OH 45274-0760

14901027 +EDI: IIC9.COM Jun 18 2019 07:23:00 I C System Inc, Attn: Bankruptcy, P.O. Box 64378,

 St. Paul, MN 55164-0378

14901030 +EDI: RESURGENT.COM Jun 18 2019 07:23:00 LVNV Funding/Resurgent Capital, Attn: Bankruptcy,

 Po Box 10497, Greenville, SC 29603-0497

14901031 +E-mail/Text: bknotices@mbandw.com Jun 18 2019 04:03:19 McCarthy, Burgess & Wolff,

 26000 Cannon Road, Bedford, OH 44146-1807

14901033 EDI: MERRICKBANK.COM Jun 18 2019 07:23:00 Merrick Bank, P.O. Box 660702,

 Dallas, TX 75266-0702

Case 19-33181-KLP Doc 4 Filed 06/19/19 Entered 06/20/19 00:27:47 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-7 User: bullockn Page 2 of 2 Date Rcvd: Jun 17, 2019

 Form ID: 309A Total Noticed: 61

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

(continued)

14901034 +EDI: MERRICKBANK.COM Jun 18 2019 07:23:00 Merrick Bank/CardWorks, Attn: Bankruptcy,

 Po Box 9201, Old Bethpage, NY 11804-9001

14901035 +EDI: MID8.COM Jun 18 2019 07:23:00 Midland Credit Management, Attn Bankruptcy Dept,

 5775 Roscoe Court, San Diego, CA 92123-1356

14901036 +E-mail/Text: mmrgbk@miramedrg.com Jun 18 2019 04:03:03 Miramed Revenue Group,

 Attn: Bankruptcy, 360 East 22nd Street, Lombard, IL 60148-4924

14901039 +EDI: NFCU.COM Jun 18 2019 07:23:00 Navy FCU, Attn: Bankruptcy, Po Box 3000,

 Merrifield, VA 22119-3000

14901040 +EDI: NFCU.COM Jun 18 2019 07:23:00 Navy Federal Credit Union, Attn: Bankruptcy Dept,

 Po Box 3000, Merrifield, VA 22119-3000

14901043 EDI: PRA.COM Jun 18 2019 07:23:00 Portfolio Recovery, Attn: Bankruptcy,

 120 Corporate Blvd, Norfold, VA 23502-0000

14901044 E-mail/Text: EMAIL@RCSRECOVERY.NET Jun 18 2019 03:59:38 RCS Recovery Services,

 600 Fairway Dr #108, Deerfield Beach, FL 33441-0000

14901045 +EDI: RESURGENT.COM Jun 18 2019 07:23:00 Resurgent Capital Funding, POB 10587,

 Greenville, SC 29603-0587

14901049 +EDI: RMSC.COM Jun 18 2019 07:23:00 Synchrony Bank, Attn: Bankruptcy Dept,

 Po Box 965060, Orlando, FL 32896-5060

14901051 +EDI: RMSC.COM Jun 18 2019 07:23:00 Synchrony Bank/Amazon, Attn: Bankruptcy,

 Po Box 965060, Orlando, FL 32896-5060

14901052 +EDI: RMSC.COM Jun 18 2019 07:23:00 Synchrony Bank/Walmart, Attn: Bankruptcy,

 Po Box 965060, Orlando, FL 32896-5060

14901053 EDI: AISTMBL.COM Jun 18 2019 07:23:00 T-Mobile, P.O. BOx 790047,

 Saint Louis, MO 63179-0000

14901054 EDI: AISTMBL.COM Jun 18 2019 07:23:00 TMobile, PO Box 53410, Bellevue, WA 98015-0000

14901056 +EDI: VERIZONCOMB.COM Jun 18 2019 07:23:00 Verizon Wireless, Attn: Bankruptcy Admini,

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

14901057 +EDI: RMSC.COM Jun 18 2019 07:23:00 Walmart, 702 S.W 8th St, Bentonville, AR 72716-6299

14901058 +EDI: WFFC.COM Jun 18 2019 07:23:00 Wells Fargo Dealer Services, Attn: Bankruptcy,

 Po Box 19657, Irvine, CA 92623-9657

 TOTAL: 39

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

14901010* +Capitol One, P.O. Box 71083, Charlotte, NC 28272-1083

 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.

Addresses marked ’++’ were redirected to the recipient’s preferred mailing address

pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

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: Jun 19, 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 June 15, 2019 at the address(es) listed below:

 Bruce H. Matson bhmtrustee@leclairryan.com, bmatson@ecf.axosfs.com

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

 Keith A. Pagano on behalf of Debtor Michael A. Holliday kpagano@paganomarks.com, 

 kdodson@paganomarks.com;pballard@paganomarks.com;mfoley@paganomarks.com;btate@paganomarks.com

 Keith A. Pagano on behalf of Joint Debtor Tracie R. Holliday kpagano@paganomarks.com, 

 kdodson@paganomarks.com;pballard@paganomarks.com;mfoley@paganomarks.com;btate@paganomarks.com

 TOTAL: 4

Case 19-33181-KLP Doc 4 Filed 06/19/19 Entered 06/20/19 00:27:47 Desc Imaged

 Certificate of Notice Page 5 of 5