Information to identify the case:

Debtor 1 Steven Joseph Quill Sr.

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1723

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: 21−30131−KLP

Discharge of Debtor 12/15

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

Steven Joseph Quill Sr.

April 28, 2021 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 21-30131-KLP Doc 36 Filed 05/01/21 Entered 05/02/21 00:17:29 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

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Certificate of Notice Page 2 of 4
United States Bankruptcy Court

Eastern District of Virginia

In re: Case No. 21-30131-KLP

Steven Joseph Quill, Sr. Chapter 7

Debtor

CERTIFICATE OF NOTICE

District/off: 0422-7 User: admin Page 1 of 2

Date Rcvd: Apr 29, 2021 Form ID: 318 Total Noticed: 21

The following symbols are used throughout this certificate:

Symbol Definition

+ Addresses marked '+' were corrected by inserting the ZIP, adding the last four digits to complete the zip +4, or replacing an incorrect ZIP. USPS

regulations require that automation-compatible mail display the correct ZIP.

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on May 01, 2021:

Recip ID Recipient Name and Address

db + Steven Joseph Quill, Sr., 7118 Anderson Forge Place, North Chesterfield, VA 23225-7462

cr + Fifth Third Bank, N.A., 14841 DALLAS PKWY SUITE 425, Dallas, TX 75254-8067

cr + TOYOTA MOTOR CREDIT CORPORATION, 14841 Dallas Parkway, Suite 425, Dallas, TX 75254-8067

15559966 + Andersons Forge HOA, c/o Lane & Hamner, 3520-A Courthouse Road, Richmond, VA 23236-1479

15559971 Fifth Third Bank, Attn: Bankruptcy, Maildrop RCSB3E 1830 E Paris Ave SE, Grand Rapids, MI 49546-0000

15559973 + Lafayette Ayers & Whitlock, 10160 Staples Mill Road, Suite 105, Glen Allen, VA 23060-3447

15559975 + PennyMac Loan Services, LLC, Attn: Correspondence Unit, Po Box 514387, Los Angeles, CA 90051-4387

15559977 + Schrier Tolin & Wagman, LLC, 1390 Piccard Dr., Suite 315, Rockville, MD 20850-6539

15559978 + TACS, P O Box 31800, Henrico, VA 23294-1800

TOTAL: 9

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

Electronic transmission includes sending notices via email (Email/text and Email/PDF), and electronic data interchange (EDI). Electronic transmission is in Eastern

Standard Time.

Recip ID Notice Type: Email Address Date/Time Recipient Name and Address

tr Email/Text: lynn.tavenner@txitrustee.com

Apr 30 2021 02:16:00 Lynn L. Tavenner, 341 Dial 866-630-1691 Code:

9791870, 20 North Eighth Street, Second Floor,

Richmond, VA 23219

cr + EDI: VACU.COM

Apr 30 2021 03:33:00 Virginia Credit Union, Inc., P.O. BOX 90010,

RICHMOND, VA 23225-9010

15559967 + Email/Text: bankruptcy@cavps.com

Apr 30 2021 02:17:00 Cavalry Portfolio Services, 500 Summit Lake,

Suite 400, Valhalla, NY 10595-2322

15559968 + Email/Text: treasurer.bankruptcy@chesterfield.gov

Apr 30 2021 02:18:00 Chesterfield County Treasurer, P.O. Box 26585,

Richmond, VA 23261-6585

15559969 + Email/Text: bankruptcynotification@vacu.org

Apr 30 2021 02:16:00 Chesterfield Federal C, Po Box 820, Chesterfield,

VA 23832-0012

15559970 + EDI: CITICORP.COM

Apr 30 2021 03:33:00 Citibank North America, Centralized Bankruptcy,

Po Box 790034, St Louis, MO 63179-0034

15559972 EDI: IRS.COM

Apr 30 2021 03:33:00 Internal Revenue Service, Centralized Insolvency

Operati, P. O. Box 7346, Philadelphia, PA

19101-7346

15559974 + EDI: MID8.COM

Apr 30 2021 03:33:00 Midland Credit Management, 8875 Aero Drive,

Suite 200, San Diego, CA 92123-2255

15559976 EDI: PRA.COM

Apr 30 2021 03:33:00 Portfolio Recovery, Attn: Bankruptcy, 120

Corporate Blvd, Norfolk, VA 23502-0000

15559979 EDI: TFSR.COM

Apr 30 2021 03:33:00 Toyota Financial Services, Attn: Bankruptcy, Po

Box 8026, Cedar Rapids, IA 52409-0000

15559980 + Email/Text: bkr@taxva.com

Apr 30 2021 02:18:00 VA Dept. of Taxation, Office of Customer

Services, PO Box 1115, Richmond, VA

23218-1115

15559981 + EDI: VACU.COM

Apr 30 2021 03:33:00 Virginia Credit Union, Attn: Bankruptcy, Po Box

90010, Richmond, VA 23225-9010

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Certificate of Notice Page 3 of 4
District/off: 0422-7 User: admin Page 2 of 2

Date Rcvd: Apr 29, 2021 Form ID: 318 Total Noticed: 21

TOTAL: 12

BYPASSED RECIPIENTS 

The following addresses were not sent this bankruptcy notice due to an undeliverable address, *duplicate of an address listed above, *P duplicate of a

preferred address, or ## out of date forwarding orders with USPS.

Recip ID Bypass Reason Name and Address

cr *+ Toyota Motor Credit Corporation, 14841 Dallas Parkway, Suite 425, Dallas, TX 75254-8067

TOTAL: 0 Undeliverable, 1 Duplicate, 0 Out of date forwarding address

NOTICE CERTIFICATION

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: May 01, 2021 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 April 28, 2021 at the address(es) listed below:

Name Email Address

Amy L Schweitzer

on behalf of Creditor Virginia Credit Union Inc. amy.schweitzer@vacu.org

James E. Kane

on behalf of Debtor Steven Joseph Quill Sr. jkane@kaneandpapa.com,

info@kaneandpapa.com,cdiez@kaneandpapa.com,jkrumbein@kaneandpapa.com,awilson@kaneandpapa.com,afisher@kaneandpa

pa.com

John Rafferty

on behalf of Creditor TOYOTA MOTOR CREDIT CORPORATION johnrafferty147@live.com 

John Rafferty

on behalf of Creditor Toyota Motor Credit Corporation johnrafferty147@live.com 

John Rafferty

on behalf of Creditor Fifth Third Bank N.A. johnrafferty147@live.com

John P. Fitzgerald, III

USTPRegion04.RH.ECF@usdoj.gov 

Lynn L. Tavenner

ltavenner@tb-lawfirm.com amorris@tb-lawfirm.com;ltavenner@iq7technology.com;ecf.alert+Tavenner@titlexi.com

TOTAL: 7

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Certificate of Notice Page 4 of 4