Information to identify the case:

Debtor 1 Monique Dante Ferrell

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−6983

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: 20−32360−KLP

Discharge of Debtor 12/15

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

Monique Dante Ferrell

June 27, 2022 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 20-32360-KLP Doc 43 Filed 06/29/22 Entered 06/30/22 00:13:47 Desc Imaged

Certificate of Notice Page 1 of 5
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 5
United States Bankruptcy Court

Eastern District of Virginia

In re: Case No. 20-32360-KLP

Monique Dante Ferrell Chapter 7

Debtor

CERTIFICATE OF NOTICE

District/off: 0422-7 User: Page 1 of 3

Date Rcvd: Jun 27, 2022 Form ID: 318 Total Noticed: 33

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.

^ Addresses marked '^' were sent via mandatory electronic bankruptcy noticing pursuant to Fed. R. Bank. P. 9036.

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on Jun 29, 2022:

Recip ID Recipient Name and Address

db + Monique Dante Ferrell, 3515 Carolina Ave., Unit 2, Richmond, VA 23222-2908

15362938 Ad Astra Recovery Sevices, Inc, 8218 W. 21 Street N, Suite 200, PMB 303, Wichita, KS 67205-0000

15362939 + Alteon Health, PO Box 826481, Philadelphia, PA 19182-6481

15410510 Balance Credit co Peritus Portfolio Services, P.O. Box 141419, Irving, TX 75014-1419

15362941 + Cash 2 U Financial Service, 4721 West Broad St., Richmond, VA 23230-3207

15362944 + City of Richmond, Stop Arm Safety Program, P.O. Box 1310, Newington, VA 22122-1310

15362949 + MCV Physicians, P.O. Box 91747, Richmond, VA 23291-9747

15362952 + Raymond S Solferino, 4700 Cooks Road, Richmond, VA 23224-4860

15362958 + Theresa Nimmo, P.O. Box 38971, Henrico, VA 23231-1311

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

Jun 28 2022 00:35:00 Lynn L. Tavenner, 341 Dial 866-630-1691 Code:

9791870, 20 North Eighth Street, Second Floor,

Richmond, VA 23219

cr Email/Text: peritus@ebn.phinsolutions.com

Jun 28 2022 00:36:00 PERITUS PORTFOLIO SERVICES II, LLC, PO

BOX 141419, IRVING, TX 75014-1419

15362940 + Email/Text: mbb@ballatolaw.com

Jun 28 2022 00:35:00 Ballato Law Firm, 3721 Westerre Parkway, Suite

A, Henrico, VA 23233-1332

15362942 + Email/Text: opsqa_usbankruptcy@cashnetusa.com

Jun 28 2022 00:35:00 Cashnet USA, PO Box 206739, Dallas, TX

75320-6739

15362943 + Email/PDF: BANKRUPTCY.NOTICES@RICHMONDGOV.COM

Jun 28 2022 00:43:00 City of Richmond, Dept of Public Utilities, 900 E.

Broad St., Richmond, VA 23219-1907

15409070 + Email/PDF: BANKRUPTCY.NOTICES@RICHMONDGOV.COM

Jun 28 2022 00:43:05 City of Richmond City Hall, Room 109

Delinquent Taxes, 900 East Broad Street,

Richmond VA 23219-1907

15367586 + Email/PDF: BANKRUPTCY.NOTICES@RICHMONDGOV.COM

Jun 28 2022 00:43:05 City of Richmond - Dept. of Public Utilities, 730

E. Broad St, 5th FL, Richmond VA 23219-1861

15362945 + Email/Text: crbankruptcy@commrad.com

Jun 28 2022 00:35:00 Commonwealth Radiology, 1508 Willow Lawn

Drive, Suite 117, Richmond, VA 23230-3421

15362946 + Email/Text: ebnnotifications@creditacceptance.com

Jun 28 2022 00:35:00 Credit Acceptance, 25505 West 12 Mile Road,

Suite 3000, Southfield, MI 48034-8331

15362947 + Email/Text: electronicbkydocs@nelnet.net

Jun 28 2022 00:35:00 Department of Education/582/Nelnet, Attn:

Bankruptcy, Po Box 82561, Lincoln, NE

68501-2561

15367149 + EDI: AISACG.COM

Jun 28 2022 04:33:00 Exeter Finance LLC, AIS Portfolio Services, LP,

4515 N Santa Fe Ave. Dept. APS, Oklahoma City,

OK 73118-7901

15362948 + Email/PDF: acg.exeter.ebn@aisinfo.com

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Certificate of Notice Page 3 of 5
District/off: 0422-7 User: Page 2 of 3

Date Rcvd: Jun 27, 2022 Form ID: 318 Total Noticed: 33

Jun 28 2022 00:43:05 Exeter Finance LLC, Attn: Bankruptcy, Po Box

166008, Irving, TX 75016-6008

15376816 + EDI: AISACG.COM

Jun 28 2022 04:33:00 Exeter Finance LLC c/o AIS Portfolio Services,

LP, 4515 N Santa Fe Ave. Dept. APS, Oklahoma

City, OK 73118-7901

15362950 Email/Text: info@phoenixfinancialsvcs.com

Jun 28 2022 00:35:00 Phoenix Financial Services, LLC, Attn:

Bankruptcy, Po Box 361450, Indianapolis, IN

46236-0000

15362951 + Email/Text: Triage_Bankruptcy_Notices@progressive.com

Jun 28 2022 00:35:00 Progressive Insurance, 6300 WILSON MILLS

RD, Mayfield, OH 44143-2182

15362953 Email/Text: joey@rmscollect.com

Jun 28 2022 00:36:00 Receivable Management Inc, Bankruptcy

Dept/Receivables Management S, 7206 Hull Rd

Ste 211, Richmond, VA 23235-0000

15362954 + Email/Text: bankruptcy@sw-credit.com

Jun 28 2022 00:35:00 Southwest Credit Systems, 4120 International

Parkway, Suite 1100, Carrollton, TX 75007-1958

15362955 + Email/Text: bankruptcy@speedyinc.com

Jun 28 2022 00:35:00 Speedy Cash, 3527 N. Ridge Rd., Wichita, KS

67205-1212

15362956 EDI: AISTMBL.COM

Jun 28 2022 04:33:00 T-Mobile, PO Box 742596, Cincinnati, OH

45274-0000

15362957 + EDI: COMCASTCBLCENT

Jun 28 2022 04:33:00 Telecom Self-reported, Po Box 4500, Allen, TX

75013-1311

15364106 Email/Text: USAVAE.Bankruptcynotices@usdoj.gov

Jun 28 2022 00:35:00 US Attorneys Office, Eastern District of Virginia,

919 E Main St., Ste. 1900, Richmond, VA

23219-4625

15362959 ^ MEBN

Jun 28 2022 00:32:02 Utility Self-reported, Po Box 4500, Allen, TX

75013-1311

15376092 Email/Text: bankruptcynotice@vcuhealth.org

Jun 28 2022 00:35:00 MCV Associated Physicians, 7818 E Parham

Road, Richmond, VA 23294

15362960 + EDI: VERIZONCOMB.COM

Jun 28 2022 04:33:00 Verizon, Verizon Wireless Bk Admin, 500

Technology Dr Ste 550, Weldon Springs, MO

63304-2225

TOTAL: 24

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 Exeter Finance LLC

cr *+ Exeter Finance LLC, c/o AIS Portfolio Services, LP, 4515 N Santa Fe Ave. Dept. APS, Oklahoma City, OK 73118-7901

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

NOTICE CERTIFICATION

I, Gustava Winters, 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: Jun 29, 2022 Signature: /s/Gustava Winters

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Certificate of Notice Page 4 of 5
District/off: 0422-7 User: Page 3 of 3

Date Rcvd: Jun 27, 2022 Form ID: 318 Total Noticed: 33

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 27, 2022 at the address(es) listed below:

Name Email Address

James E. Kane

on behalf of Debtor Monique Dante Ferrell jkane@kaneandpapa.com 

info@kaneandpapa.com,jason.kane@kaneandpapa.com,jkrumbein@kaneandpapa.com,sfalkowski@kaneandpapa.com,carolyncro

ne@icloud.com,cdonnell@kaneandpapa.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

Sara A. John

on behalf of Creditor Exeter Finance LLC sara_john@eppspc.com 

TOTAL: 4

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Certificate of Notice Page 5 of 5