Information to identify the case:

Debtor 1 Kyla B Munford

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−4782

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: 20−31416−KRH

Discharge of Debtor 12/15

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

Kyla B Munford

June 29, 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

Case 20-31416-KRH Doc 19 Filed 07/02/20 Entered 07/03/20 00:29:08 Desc Imaged

Certificate of Notice Page 1 of 4
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

Case 20-31416-KRH Doc 19 Filed 07/02/20 Entered 07/03/20 00:29:08 Desc Imaged

Certificate of Notice Page 2 of 4
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 20-31416-KRH

Kyla B Munford Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: admin Page 1 of 2 Date Rcvd: Jun 30, 2020

 Form ID: 318 Total Noticed: 55

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

Jul 02, 2020.

db +Kyla B Munford, 111 Huntsman Road, Sandston, VA 23150-2117

tr +Jennifer J. West, 341 Dial 866-628-8242 Code: 5053845, Spotts Fain PC,

 411 E. Franklin Street, Suite 600, Richmond, VA 23219-2200

15294167 +Albanese Chiropractic, 3960 Stillman Pkwy, Glen Allen, VA 23060-4197

15380380 +Beaverdam Creek Apartments, C/O Grady Management, 8630 Fenton ST STE 625,

 Silver Spring, MD 20910-3804

15294168 +Bon Secours, PO BOX 28538, Henrico, VA 23228-8538

15294169 +Budget Dumpster, 830 Canterbury Rd, Westlake, OH 44145-1419

15380381 +City to City Auto, 5020 Williamsburg Road, Henrico, VA 23231-2932

15294178 +Drive Time, 3300 Mechanicsville Tnpk, Richmond, VA 23223-1727

15294179 +Elephant Auto Insurance, PO Box 8630, Richmond, VA 23226-0630

15294180 Elizabeth River Tunnels, Linebarger Goggan Blair & Samp, 4826 Loop Central Dr STE 600,

 Houston, TX 77081-0000

15294185 +Globalvia, PO Box 430, Milwaukee, WI 53201-0430

15294186 +HCA, PO BOX 13620, Richmond, VA 23225-8620

15294187 +Henrico Dept of Public Utiliti, 3721 Westerre Parkway, Suite A, Henrico, VA 23233-1332

15294189 +Henrico Federa;l Credit Union, 9401 West Broad Street, Henrico, VA 23294-5331

15294188 +Henrico Federa;l Credit Union, Attn: Bankruptcy, 9401 West Broad St,

 Henrico, VA 23294-5331

15294190 +Henrico Health Department, PO Box 90775, Henrico, VA 23273-0775

15294191 +James E. Jones, 7603 Forest Ave, Suite 204, Henrico, VA 23229-4937

15380382 +John Tyler College, 13101 Jefferson Davis Hwy, Chester, VA 23831-5316

15294193 +Locke A. Taylor DVM Inc, 9023 Woodman Road, Henrico, VA 23228-2133

15294194 +MABTC/Tidewater Credit Services, Attn: Bankruptcy, Po Box 13306,

 Chesapeake, VA 23325-0306

15294195 MABTC/Tidewater Credit Services, Po Box 13306, Virginia Beach, VA 23464-0000

15294196 #+MCV Physicians, 1601 Willow Lawn Drive St. 275, Richmond, VA 23230-3422

15294197 +Midwest Recovery Systems, Attn: Bankruptcy, Po Box 899, Florissant, MO 63032-0899

15294198 +Midwest Recovery Systems, 514 Earth City Plaza, Earth City, MO 63045-1303

15294205 +Patient First, PO Box 758941, Baltimore, MD 21275-8941

15294207 +Pocohontas PKWY, PO Box 7693, Henrico, VA 23231-0193

15294208 +Port Authority of NY and NJ, Allied Interstate, PO BOX 4000, Warrenton, VA 20188-4000

15294215 +Tuckaway Elwood, 3319 Ellwood Ave, Richmond, VA 23221-2919

15380383 #+Virginia Employment Commission, P.O. Box 1358, Attn: Collections Unit,

 Richmond, VA 23218-1358

15294217 +YMCA, 3011 W Hundred Road, Chester, VA 23831-2110

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

tr +EDI: QJJWEST Jul 01 2020 10:03:00 Jennifer J. West, 341 Dial 866-628-8242 Code: 5053845,

 Spotts Fain PC, 411 E. Franklin Street, Suite 600, Richmond, VA 23219-2200

15294171 +EDI: CAPITALONE.COM Jul 01 2020 10:03:00 Capital One, Po Box 30281,

 Salt Lake City, UT 84130-0281

15294170 +EDI: CAPITALONE.COM Jul 01 2020 10:03:00 Capital One, Attn: Bankruptcy, Po Box 30285,

 Salt Lake City, UT 84130-0285

15294172 +EDI: WFNNB.COM Jul 01 2020 10:03:00 Comenity Bank/Lane Bryant, Attn: Bankruptcy,

 Po Box 182125, Columbus, OH 43218-2125

15294173 +EDI: WFNNB.COM Jul 01 2020 10:03:00 Comenity Bank/Lane Bryant, Po Box 182789,

 Columbus, OH 43218-2789

15294175 +EDI: WFNNB.COM Jul 01 2020 10:03:00 Comenity/MPRC, Po Box 182120,

 Columbus, OH 43218-2120

15294174 +EDI: WFNNB.COM Jul 01 2020 10:03:00 Comenity/MPRC, Attn: Bankruptcy, Po Box 182125,

 Columbus, OH 43218-2125

15294176 +E-mail/Text: crbankruptcy@commrad.com Jul 01 2020 06:49:50 Commonwealth Radiology,

 1508 Willow Lawn Drive St117, Richmond, VA 23230-3421

15294177 E-mail/Text: DEbankruptcy@domenergy.com Jul 01 2020 06:47:46 Dominion Virginia Power,

 PO BOX 26532, Richmond, VA 23261-0000

15294182 +EDI: AMINFOFP.COM Jul 01 2020 10:03:00 First PREMIER Bank, 3820 N Louise Ave,

 Sioux Falls, SD 57107-0145

15294181 +EDI: AMINFOFP.COM Jul 01 2020 10:03:00 First PREMIER Bank, Attn: Bankruptcy,

 Po Box 5524, Sioux Falls, SD 57117-5524

15294183 +EDI: PHINGENESIS Jul 01 2020 10:03:00 Genesis Bc/Celtic Bank, Attn: Bankruptcy,

 Po Box 4477, Beaverton, OR 97076-4401

15294184 +EDI: PHINGENESIS Jul 01 2020 10:03:00 Genesis Bc/Celtic Bank, Po Box 4499,

 Beaverton, OR 97076-4499

15294200 +EDI: NAVIENTFKASMSERV.COM Jul 01 2020 10:03:00 Naviet, Po Box 9635,

 Wilkes Barre, PA 18773-9635

15294199 +EDI: NAVIENTFKASMSERV.COM Jul 01 2020 10:03:00 Naviet, Attn: Claims Dept, Po Box 9500,

 Wilkes-Barr, PA 18773-9500

15294202 +E-mail/Text: netcreditbnc@enova.com Jul 01 2020 06:50:39 NetCredit, 175 W Jackson Blvd,

 Chicago, IL 60604-2615

15294201 +E-mail/Text: netcreditbnc@enova.com Jul 01 2020 06:50:39 NetCredit,

 175 West Jackson Boulevard, Suite 1000, Chicago, IL 60604-2863

15294203 +EDI: AGFINANCE.COM Jul 01 2020 10:03:00 OneMain Financial, Attn: Bankruptcy,

 Po Box 3251, Evansville, IN 47731-3251

Case 20-31416-KRH Doc 19 Filed 07/02/20 Entered 07/03/20 00:29:08 Desc Imaged

Certificate of Notice Page 3 of 4
District/off: 0422-7 User: admin Page 2 of 2 Date Rcvd: Jun 30, 2020

 Form ID: 318 Total Noticed: 55

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

(continued)

15294204 +EDI: AGFINANCE.COM Jul 01 2020 10:03:00 OneMain Financial, Po Box 1010,

 Evansville, IN 47706-1010

15294206 E-mail/Text: info@phoenixfinancialsvcs.com Jul 01 2020 06:47:20 Phoenix Financial SVC,

 PO BOX 361450, Indianapolis, IN 46236-0000

15294210 EDI: NEXTEL.COM Jul 01 2020 10:03:00 Sprint, 6391 Sprint Parkway,

 Overland Park, KS 66251-0000

15294212 E-mail/Text: tidewaterlegalebn@twcs.com Jul 01 2020 06:48:16 Tidewater Finance Company,

 6520 Indian River Road, Virginia Beach, VA 23464-0000

15294211 +EDI: COMCASTCBLCENT Jul 01 2020 10:03:00 Telecom Self-reported, Po Box 4500,

 Allen, TX 75013-1311

15294213 +E-mail/Text: marisa.sheppard@timepayment.com Jul 01 2020 06:49:25 Timepayment Corp, LLC.,

 Attn: Bankruptcy, 1600 District Ave, Ste 200, Burlington, MA 01803-5233

15294214 +E-mail/Text: marisa.sheppard@timepayment.com Jul 01 2020 06:49:25 Timepayment Corp, LLC.,

 1600 District Ave Ste 20, Burlington, MA 01803-5233

15294216 +EDI: COMCASTCBLCENT Jul 01 2020 10:03:00 Xfinity, PO Box 21428,

 Saint Paul, MN 55121-0428

 TOTAL: 26

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

15294192 Jefferson Capital Systems LLC, PO BOX 953158

15294209 ##+Receivable Systems. Inc., PO Bix 8630, Richmond, VA 23226-0630

 TOTALS: 1, * 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 requiring an update.

While the notice was still deliverable, the notice recipient was advised to update its address with the court

immediately.

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: Jul 02, 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 June 29, 2020 at the address(es) listed below:

 James Bradley Winder, Jr. on behalf of Debtor Kyla B Munford jbwinder@ferriswinder.com, 

 rwferris@ferriswinder.com;fwecfmail@gmail.com;r50498@notify.bestcase.com

 Jennifer J. West jjw_trustee@spottsfain.com, jwest@iq7technology.com

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

 TOTAL: 3

Case 20-31416-KRH Doc 19 Filed 07/02/20 Entered 07/03/20 00:29:08 Desc Imaged

Certificate of Notice Page 4 of 4