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 Date case filed for chapter 7 3/12/20

Case number: 20−31416−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 Kyla B Munford

2. All other names used in the

last 8 years

3. Address 111 Huntsman Road

Sandston, VA 23150

4. Debtor's attorney

Name and address

James Bradley Winder Jr.

FerrisWinder PLLC

9327 Midlothian TPKE, Suite 1J

Chesterfield, VA 23235

Contact phone 804−767−1800

Email: jbwinder@ferriswinder.com

5. Bankruptcy trustee

Name and address

Jennifer J. West

Spotts Fain PC

411 E. Franklin Street, Suite 600

Richmond, VA 23219

Contact phone (804) 697−2094

Email: jjw_trustee@spottsfain.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 20-31416-KRH Doc 6 Filed 03/15/20 Entered 03/16/20 00:27:33 Desc Imaged

Certificate of Notice Page 1 of 5
Debtor Kyla B Munford Case number 20−31416−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: March 13, 2020

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.

April 21, 2020 at 09:00 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: June 22, 2020

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 20-31416-KRH Doc 6 Filed 03/15/20 Entered 03/16/20 00:27:33 Desc Imaged

Certificate of Notice Page 2 of 5
Debtor Kyla B Munford Case number 20−31416−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 20-31416-KRH Doc 6 Filed 03/15/20 Entered 03/16/20 00:27:33 Desc Imaged

Certificate of Notice Page 3 of 5
 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: manleyc Page 1 of 2 Date Rcvd: Mar 13, 2020

 Form ID: 309A Total Noticed: 52

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

Mar 15, 2020.

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

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

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

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

15294177 +Dominion Virginia Power, PO BOX 26532, Richmond, VA 23261-6532

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

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

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.

aty E-mail/Text: jbwinder@ferriswinder.com Mar 14 2020 04:17:50 James Bradley Winder, Jr.,

 FerrisWinder PLLC, 9327 Midlothian TPKE, Suite 1J, Chesterfield, VA 23235

tr +E-mail/Text: jwest@iq7technology.com Mar 14 2020 04:18:07 Jennifer J. West,

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

15294171 +EDI: CAPITALONE.COM Mar 14 2020 07:58:00 Capital One, Po Box 30281,

 Salt Lake City, UT 84130-0281

15294170 +EDI: CAPITALONE.COM Mar 14 2020 07:58:00 Capital One, Attn: Bankruptcy, Po Box 30285,

 Salt Lake City, UT 84130-0285

15294172 +EDI: WFNNB.COM Mar 14 2020 07:58:00 Comenity Bank/Lane Bryant, Attn: Bankruptcy,

 Po Box 182125, Columbus, OH 43218-2125

15294173 +EDI: WFNNB.COM Mar 14 2020 07:58:00 Comenity Bank/Lane Bryant, Po Box 182789,

 Columbus, OH 43218-2789

15294175 +EDI: WFNNB.COM Mar 14 2020 07:58:00 Comenity/MPRC, Po Box 182120,

 Columbus, OH 43218-2120

15294174 +EDI: WFNNB.COM Mar 14 2020 07:58:00 Comenity/MPRC, Attn: Bankruptcy, Po Box 182125,

 Columbus, OH 43218-2125

15294176 +E-mail/Text: crbankruptcy@commrad.com Mar 14 2020 04:23:01 Commonwealth Radiology,

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

15294182 +EDI: AMINFOFP.COM Mar 14 2020 07:58:00 First PREMIER Bank, 3820 N Louise Ave,

 Sioux Falls, SD 57107-0145

15294181 +EDI: AMINFOFP.COM Mar 14 2020 07:58:00 First PREMIER Bank, Attn: Bankruptcy,

 Po Box 5524, Sioux Falls, SD 57117-5524

15294183 +EDI: PHINGENESIS Mar 14 2020 07:58:00 Genesis Bc/Celtic Bank, Attn: Bankruptcy,

 Po Box 4477, Beaverton, OR 97076-4401

15294184 +EDI: PHINGENESIS Mar 14 2020 07:58:00 Genesis Bc/Celtic Bank, Po Box 4499,

 Beaverton, OR 97076-4499

15294200 +EDI: NAVIENTFKASMSERV.COM Mar 14 2020 07:58:00 Naviet, Po Box 9635,

 Wilkes Barre, PA 18773-9635

15294199 +EDI: NAVIENTFKASMSERV.COM Mar 14 2020 07:58:00 Naviet, Attn: Claims Dept, Po Box 9500,

 Wilkes-Barr, PA 18773-9500

15294202 +E-mail/Text: netcreditbnc@enova.com Mar 14 2020 04:23:18 NetCredit, 175 W Jackson Blvd,

 Chicago, IL 60604-2615

15294201 +E-mail/Text: netcreditbnc@enova.com Mar 14 2020 04:23:18 NetCredit,

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

15294203 +EDI: AGFINANCE.COM Mar 14 2020 07:58:00 OneMain Financial, Attn: Bankruptcy,

 Po Box 3251, Evansville, IN 47731-3251

15294204 +EDI: AGFINANCE.COM Mar 14 2020 07:58:00 OneMain Financial, Po Box 1010,

 Evansville, IN 47706-1010

15294206 E-mail/Text: info@phoenixfinancialsvcs.com Mar 14 2020 04:18:05 Phoenix Financial SVC,

 PO BOX 361450, Indianapolis, IN 46236-0000

15294210 EDI: NEXTEL.COM Mar 14 2020 07:58:00 Sprint, 6391 Sprint Parkway,

 Overland Park, KS 66251-0000

Case 20-31416-KRH Doc 6 Filed 03/15/20 Entered 03/16/20 00:27:33 Desc Imaged

Certificate of Notice Page 4 of 5
District/off: 0422-7 User: manleyc Page 2 of 2 Date Rcvd: Mar 13, 2020

 Form ID: 309A Total Noticed: 52

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

(continued)

15294212 E-mail/Text: tidewaterlegalebn@twcs.com Mar 14 2020 04:22:16 Tidewater Finance Company,

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

15294211 +EDI: COMCASTCBLCENT Mar 14 2020 07:58:00 Telecom Self-reported, Po Box 4500,

 Allen, TX 75013-1311

15294213 +E-mail/Text: marisa.sheppard@timepayment.com Mar 14 2020 04:22:52 Timepayment Corp, LLC.,

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

15294214 +E-mail/Text: marisa.sheppard@timepayment.com Mar 14 2020 04:22:52 Timepayment Corp, LLC.,

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

15294216 +EDI: COMCASTCBLCENT Mar 14 2020 07:58:00 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: Mar 15, 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 March 13, 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 6 Filed 03/15/20 Entered 03/16/20 00:27:33 Desc Imaged

Certificate of Notice Page 5 of 5