Information to identify the case:

Debtor 1 Clement Wiredu

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−7689

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: 19−13146−KHK

Discharge of Debtor 12/15

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

Clement Wiredu

January 6, 2020 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

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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

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 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-13146-KHK

Clement Wiredu Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-9 User: admin Page 1 of 1 Date Rcvd: Jan 07, 2020

 Form ID: 318 Total Noticed: 22

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

Jan 09, 2020.

db +Clement Wiredu, 7416 Eastmoreland Rd., Apt. 30, Annandale, VA 22003-2729

15033145 +FedLoan Servicing, Attn: Bankruptcy, Po Box 69184, Harrisburg, PA 17106-9184

15033146 +First Nataional Bank/Legacy, Attn: Bankruptcy, Po Box 5097, Sioux Falls, SD 57117-5097

15033147 +First Savings Bank/Blaze, Attn: Bankruptcy, Po Box 5096, Sioux Falls, SD 57117-5096

15033148 +First Savings Credit Card, Attn: Bankruptcy Department, Po Box 5019,

 Sioux Falls, SD 57117-5019

15033149 +HarrisLoftus, PLLC, 7900 Sudley Road, Suite 608, Manassas, VA 20109-2806

15033157 +Virginia Dept of Taxation, P.O. Box 997, Spotsylvania, VA 22553-0997

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

tr +EDI: BDFKING Jan 08 2020 08:58:00 Donald F. King, 1775 Wiehle Avenue, Suite 400,

 Reston, VA 20190-5159

cr +EDI: ATLASACQU.COM Jan 08 2020 08:58:00 Atlas Acquisitions LLC, 294 Union St.,

 Hackensack, NJ 07601-4303

cr +EDI: AISACG.COM Jan 08 2020 08:58:00 Capital One Auto Finance, a division of Capital On,

 4515 N Santa Fe Ave. Dept. APS, Oklahoma City, OK 73118-7901

15033142 +EDI: AFNIRECOVERY.COM Jan 08 2020 08:58:00 Afni, Inc., Attn: Bankruptcy, Po Box 3427,

 Bloomington, IL 61702-3427

15116057 +EDI: ATLASACQU.COM Jan 08 2020 08:58:00 Atlas Acquisitions LLC, Attn: Avi Schild,

 294 Union St., Hackensack, NJ 07601-4303

15033143 +EDI: CAPITALONE.COM Jan 08 2020 08:58:00 Capital One, Attn: Bankruptcy, Po Box 30285,

 Salt Lake City, UT 84130-0285

15033144 +EDI: CAPONEAUTO.COM Jan 08 2020 08:58:00 Capital One Auto Finance, Attn: Bankruptcy,

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

15040205 +EDI: AISACG.COM Jan 08 2020 08:58:00 Capital One Auto Finance, a division of,

 AIS Portfolio Services, LP, 4515 N Santa Fe Ave. Dept. APS, Oklahoma City, OK 73118-7901

15033150 +EDI: IRS.COM Jan 08 2020 08:58:00 IRS Centralized Insolvency Op, PO Box 7346,

 Philadelphia, PA 19101-7346

15033151 +EDI: MID8.COM Jan 08 2020 08:58:00 Midland Funding, 2365 Northside Dr Ste 300,

 San Diego, CA 92108-2709

15033152 +EDI: NAVIENTFKASMSERV.COM Jan 08 2020 08:58:00 Navient, Attn: Bankruptcy, Po Box 9640,

 Wilkes-Barre, PA 18773-9640

15033153 +EDI: NAVIENTFKASMSERV.COM Jan 08 2020 08:58:00 Navient Solutions Inc, 11100 Usa Pkwy,

 Fishers, IN 46037-9203

15033154 +E-mail/Text: netcreditbnc@enova.com Jan 08 2020 04:33:02 NetCredit,

 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604-2863

15033155 +EDI: AGFINANCE.COM Jan 08 2020 08:58:00 OneMain Financial, Attn: Bankruptcy,

 Po Box 3251, Evansville, IN 47731-3251

15033156 +EDI: RMSC.COM Jan 08 2020 08:58:00 Synchrony Bank/TJX, Attn: Bankruptcy, Po Box 965060,

 Orlando, FL 32896-5060

 TOTAL: 15

 ***** 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: Jan 09, 2020 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 January 6, 2020 at the address(es) listed below:

 Ashvin Pandurangi on behalf of Debtor Clement Wiredu ap@aplawg.com, 

 preea@aplawg.com;pandurangiar78675@notify.bestcase.com

 Donald F. King Kingtrustee@ofplaw.com, va50@ecfcbis.com

 John P. Fitzgerald, III ustpregion04.ax.ecf@usdoj.gov

 TOTAL: 3

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