Information to identify the case:

Debtor 1 Stephanie Robin Novack

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1416

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 3/30/19

Case number: 19−71204−SCS

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 Stephanie Robin Novack

2. All other names used in the

last 8 years

fka Stephanie Novack LaMarche

3. Address 309 South Broad Street

Suffolk, VA 23434

4. Debtor's attorney

Name and address

Genene E. Gardner

The Merna Law Group

3419 Virginia Beach Blvd., #236

Virginia Beach, VA 23452

Contact phone 757−340−4895

Email: gsaunders@mernalaw.com

5. Bankruptcy trustee

Name and address

Tom C. Smith, Jr.

P.O. Box 1506

Virginia Beach, VA 23451

Contact phone (757) 428−3481

Email: trustee@tomcsmith.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 19-71204-SCS Doc 6 Filed 04/03/19 Entered 04/04/19 00:33:01 Desc Imaged

 Certificate of Notice Page 1 of 5
Debtor Stephanie Robin Novack Case number 19−71204−SCS

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

600 Granby St., Room 400

Norfolk, VA 23510

Hours open Monday − Friday, 9:00 AM − 4:00 PM

ET, except on holidays.

Contact phone 757−222−7500

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

Date: April 1, 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.

May 7, 2019 at 02:00 PM

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, 200

Granby Street, Room 120,

Norfolk, VA 23510

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: July 8, 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 19-71204-SCS Doc 6 Filed 04/03/19 Entered 04/04/19 00:33:01 Desc Imaged

 Certificate of Notice Page 2 of 5
Debtor Stephanie Robin Novack Case number 19−71204−SCS

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. Manner of Payment of Fees Newport News: non−debtor's check, money order, cashier's check or any authorized

non−debtor's credit card; cash is NOT accepted at Newport News location.

Norfolk: same as above; however, effective December 16, 2013, cash is accepted − ONLY in

the exact amount due for payment of fees and services.

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 19-71204-SCS Doc 6 Filed 04/03/19 Entered 04/04/19 00:33:01 Desc Imaged

 Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-71204-SCS

Stephanie Robin Novack Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-8 User: williamsp Page 1 of 2 Date Rcvd: Apr 01, 2019

 Form ID: 309A Total Noticed: 24

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

Apr 03, 2019.

db +Stephanie Robin Novack, 309 South Broad Street, Suffolk, VA 23434-5716

14791146 +Attorney General, Tax Division, USDOJ, PO Box 227, Washington, DC 20044-0227

14791147 +Attorney General Office, U.S. Department of Justice, 950 Pennsylvania Ave. N.W,

 Washington, DC 20503-0001

14791155 +FedLoan Servicing, P.O. Box 60610, Harrisburg, PA 17106-0610

14791158 Mr. Cooper, P.O. Box 650783, Dallas, TX 75265-0783

14791160 +Pacific Union Financial, C T CORPORATION SYSTEM, 4701 COX ROAD, SUITE 285,

 Glen Allen, VA 23060-6808

14791161 +Suffolk General Dist. Court, 150 North Main Street, Suffolk, VA 23434-4552

14791162 #+Tenaglia & Hunt, 12 S Summit Ave Ste 322, Gaithersburg, MD 20877-2092

14791164 +U.S. Attorney, World Trade Center, Ste 8000, 101 West Main Street, Norfolk, VA 23510-1646

14791167 +Zwicker & Associates, 80 Minuteman Road, Andover, MA 01810-1008

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

aty E-mail/Text: gsaunders@mernalaw.com Apr 02 2019 04:16:36 Genene E. Gardner,

 The Merna Law Group, 3419 Virginia Beach Blvd., #236, Virginia Beach, VA 23452

tr +EDI: QTCSMITH.COM Apr 02 2019 07:58:00 Tom C. Smith, Jr., P.O. Box 1506,

 Virginia Beach, VA 23451-9506

14791148 EDI: BANKAMER.COM Apr 02 2019 07:58:00 Bank of America, P.O. Box 982238,

 El Paso, TX 79998-0000

14791149 +E-mail/Text: bankruptcy@bbandt.com Apr 02 2019 04:17:19 Branch B&T, 223 West Nash Street,

 Wilson, NC 27893-3801

14791150 EDI: CHASE.COM Apr 02 2019 07:58:00 Chase Card, P.O. Box 15298,

 Wilmington, DE 19850-5298

14791152 +EDI: CITICORP.COM Apr 02 2019 07:58:00 Citicards CBNA, 701 E 60th St N,

 Sioux Falls, SD 57104-0432

14791151 +EDI: CITICORP.COM Apr 02 2019 07:58:00 Citicards CBNA, PO Box 6241,

 Sioux Falls, SD 57117-6241

14791153 +EDI: WFNNB.COM Apr 02 2019 07:58:00 Comenity Bank/Victorias Secret, P.O. Box 182789,

 Columbus, OH 43218-2789

14791154 EDI: DISCOVER.COM Apr 02 2019 07:58:00 Discover Financial Services, P.O. Box 15316,

 Wilmington, DE 19850-0000

14791157 +EDI: IRS.COM Apr 02 2019 07:58:00 IRS Centralized Insolvency *, PO Box 7346,

 Philadelphia, PA 19101-7346

14791159 +E-mail/Text: bankruptcy@loanpacific.com Apr 02 2019 04:18:48 Pacific Union Financial,

 1603 LBJ Freeway Ste 600, Dallas, TX 75234-6071

14791163 +E-mail/Text: bk.notice@tuitionoptions.com Apr 02 2019 04:18:35 Tuition Options,

 15483 Collections Center Dr, Chicago, IL 60693-0001

14791165 +E-mail/Text: bkr@taxva.com Apr 02 2019 04:18:20 Virginia Department of Tax*, PO Box 1115,

 Richmond, VA 23218-1115

14791166 +EDI: WFFC.COM Apr 02 2019 07:58:00 Wells Fargo Card Services, PO Box 14517,

 Des Moines, IA 50306-3517

 TOTAL: 14

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

14791156* ++INTERNAL REVENUE SERVICE, CENTRALIZED INSOLVENCY OPERATIONS, PO BOX 7346,

 PHILADELPHIA PA 19101-7346

 (address filed with court: Internal Revenue Service, 400 North Eighth Street Box 76,

 M/S Room 898, Richmond, VA 23219-0000)

 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).

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.

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: Apr 03, 2019 Signature: /s/Joseph Speetjens

Case 19-71204-SCS Doc 6 Filed 04/03/19 Entered 04/04/19 00:33:01 Desc Imaged

 Certificate of Notice Page 4 of 5
District/off: 0422-8 User: williamsp Page 2 of 2 Date Rcvd: Apr 01, 2019

 Form ID: 309A Total Noticed: 24

_

 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 31, 2019 at the address(es) listed below:

 Genene E. Gardner on behalf of Debtor Stephanie Robin Novack gsaunders@mernalaw.com, 

 court@mernalaw.com;htate@mernalaw.com;cwhite-cummings@mernalaw.com;mlgcourts@gmail.com;chapter13a

 dmin@mernalaw.com;gardnergr73674@notify.bestcase.com;chapter7admin@mernalaw.com;ebadger@mernalaw.

 com

 John P. Fitzgerald, III ustpregion04.no.ecf@usdoj.gov

 Tom C. Smith, Jr. trustee@tomcsmith.com, tcsmith@ecf.axosfs.com

 TOTAL: 3

Case 19-71204-SCS Doc 6 Filed 04/03/19 Entered 04/04/19 00:33:01 Desc Imaged

 Certificate of Notice Page 5 of 5