Information to identify the case:

Debtor 1 Lamont Harris

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−8260

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: 19−32214−KRH

Discharge of Debtor 12/15

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

Lamont Harris

September 26, 2019 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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 Certificate of Notice Page 1 of 3
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 19-32214-KRH Doc 41 Filed 09/28/19 Entered 09/29/19 00:26:46 Desc Imaged

 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-32214-KRH

Lamont Harris Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: manleyc Page 1 of 1 Date Rcvd: Sep 26, 2019

 Form ID: 318 Total Noticed: 15

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

Sep 28, 2019.

db +Lamont Harris, 612 Chimborazo Boulevard, Richmond, VA 23223-7531

14829276 +BETTER HOUSING COALITION, 23 WEST BROAD STREET, RICHMOND, VA 23220-4295

14829268 +DUNLOP FARMS LLC, 101 OLD OAK LANE, COLONIAL HEIGHTS, VA 23834-1773

14829273 +HENRICO FEDERAL CREDIT UNION, 9401 WEST BROAD STREET, RICHMOND, VA 23294-5331

14829272 +LAUREN WILLIAMS / HOMETOWN REALTY, 9245 SHADY GROVE ROAD, MECHANICSVILLE, VA 23116-2890

14829267 +NAVY FEDERAL CREDIT UNION, 1080 TEMPLE AVE, COLONIAL HEIGHTS, VA 23834-2981

14829271 +ORTHOVIRGINIA, 7858 SHRADER ROAD, RICHMOND, VA 23294-4222

14829274 +PARTNERS FINANCIAL FEDERAL CREDIT UNION, 400 NORTH 8TH STREET #117, RICHMOND, VA 23219-4811

14829265 +POSTAL FEDERAL CREDIT UNION, 1601 OWNBY LANE, RICHMOND, VA 23220-1318

14829270 +UDR INC, 4510 COX ROAD SUITE 105, GLEN ALLEN, VA 23060-6759

14829275 +VIRGINIA IVF & ANDROLOGY CENTER, 9030 STONY POINT PARKWAY #390, RICHMOND, VA 23235-1941

14829269 WESTVIEW FINANCIAL SERVICES LLC, 2891, 1068 TEMPLE AVENUE, COLONIAL HEIGHTS, VA 23834

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

tr +EDI: QBHMATSON.COM Sep 27 2019 07:38:00 Bruce H. Matson, 7204 Glen Forest Drive,

 Suite 102, Richmond, VA 23226-3783

14829264 +EDI: CAPITALONE.COM Sep 27 2019 07:38:00 CAPITAL ONE BANK, 1680 CAPITAL ONE DRIVE,

 MC LEAN, VA 22102-3407

14829266 +EDI: AGFINANCE.COM Sep 27 2019 07:38:00 ONE MAIN FINANCIAL, 798 SOUTHPARK BOULEVARD,

 COLONIAL HEIGHTS, VA 23834-3615

 TOTAL: 3

 ***** 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: Sep 28, 2019 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 September 26, 2019 at the address(es) listed below:

 Bruce H. Matson rtkchallenge@gmail.com, bmatson@ecf.axosfs.com;bhmtrustee@leclairryan.com

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

 TOTAL: 2

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