United States Bankruptcy Court

Eastern District of Virginia

Richmond Division

701 East Broad Street

Richmond, VA 23219

Case Number 18−35754−KRH

Chapter 7

In re: Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address):

Calvin Lamont Spencer

9739 Candace Terrace

Glen Allen, VA 23060

Last four digits of Social−Security or Individual Taxpayer−Identification (ITIN) No(s).,(if any):

Debtor: xxx−xx−0896

Employer Tax−Identification (EIN) No(s).(if any):

Debtor: NA

NOTICE OF REQUIREMENT TO FILE

CERTIFICATION ABOUT A FINANCIAL MANAGEMENT COURSE

(Official Form 423)

 Notice is hereby given that, subject to limited exceptions, a debtor must complete an instructional course in

personal financial management in order to receive a discharge under chapter 7 (11 U.S.C. § 727). Pursuant to Rule

1007(b)(7) of the Federal Rules of Bankruptcy Procedure, the debtor(s) must complete and file Certification

About a Financial Management Course (Official Form 423)* as described in 11 U.S.C. § 111.

 Debtor(s) and/or debtor(s)' attorney is/are hereby notified that Official Form 423 must be filed before a

discharge can be entered. Debtor(s) and/or debtor(s)' attorney is/are hereby notified that the debtor(s) must file

Official Form 423 within 60 days after the first date set for the meeting of creditors under § 341. Failure to file the

certification will result in the case being closed without an entry of discharge. If the debtor(s) subsequently file(s)

a Motion to Reopen the Case to allow for the filing of the Official Form 423, the debtor(s) must pay the full

reopening fee due for filing the motion.

Dated: November 16, 2018

(ntcfnmgtvDec2015.jsp)

William C. Redden

Clerk of Court

*NOTE: Official Interim Form 423 (Certification About a Financial Management Course) must be filed in all individual chapter 13 and

chapter 7 cases even if the U.S. Trustee has not approved any credit counseling agency or financial management course for the applicable

district. See FRBP 1007(b)(7).

ATTENTION DEBTORS:

Receive your court notices and orders by mail through the DeBN program.

Same−day delivery. Convenient Access. Free.

Go to www.vaeb.uscourts.gov for more information and to download the request form.

Case 18-35754-KRH Doc 8 Filed 11/18/18 Entered 11/19/18 00:24:28 Desc Imaged

 Certificate of Notice Page 1 of 2
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 18-35754-KRH

Calvin Lamont Spencer Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: baumgartn Page 1 of 1 Date Rcvd: Nov 16, 2018

 Form ID: ntcfnm15 Total Noticed: 1

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

Nov 18, 2018.

db +Calvin Lamont Spencer, 9739 Candace Terrace, Glen Allen, VA 23060-3731

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

NONE. TOTAL: 0

 ***** 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 18, 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 November 16, 2018 at the address(es) listed below:

 Deanna H. Hathaway on behalf of Debtor Calvin Lamont Spencer ecf@hathawayadair.com, 

 hathawayadair@gmail.com

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

 Peter J. Barrett peter.barrett@kutakrock.com, 

 charisse.matthews@kutakrock.com;pbarrett@ecf.epiqsystems.com

 TOTAL: 3

Case 18-35754-KRH Doc 8 Filed 11/18/18 Entered 11/19/18 00:24:28 Desc Imaged

 Certificate of Notice Page 2 of 2