Information to identify the case:

Debtor 1 Melissa G Krumbein

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−5151

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 9/22/20

Case number: 20−12128−BFK

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 Melissa G Krumbein

2. All other names used in the

last 8 years

3. Address 450 N Washington St Apt 312

Falls Church, VA 22046−3454

4. Debtor's attorney

Name and address

Robert R. Weed

Law Offices Of Robert Weed

13800 Coppermine Rd

Herndon, VA 20171

Contact phone (703) 335−7793

Email: robertweedlaw@yahoo.com

5. Bankruptcy trustee

Name and address

H. Jason Gold

341 Dial 877−973−4749 Code: 9974082

Nelson Mullins Riley and Scarborough LLP

101 Constitution Avenue, N.W. Suite 900

Washington, DC 20001

Contact phone (202) 712−2800

Email: 

jason.gold@nelsonmullins.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 20-12128-BFK Doc 10 Filed 09/25/20 Entered 09/26/20 00:20:30 Desc Imaged

Certificate of Notice Page 1 of 5
Debtor Melissa G Krumbein Case number 20−12128−BFK

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

200 South Washington Street

Alexandria, VA 22314

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

ET, except on holidays.

Contact phone 703−258−1200

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

Date: September 23, 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.

October 19, 2020 at 10:00 AM

The meeting may be continued or adjourned to a

later date. If so, the date will be on the court

docket.

Location:

For telephonic 341 creditors

meeting, dial−in contact

information see 341, notice,

section 5. For updates, see,

www.vaeb.uscourts.gov

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: December 18,

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 20-12128-BFK Doc 10 Filed 09/25/20 Entered 09/26/20 00:20:30 Desc Imaged

Certificate of Notice Page 2 of 5
Debtor Melissa G Krumbein Case number 20−12128−BFK

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

Alexandria Case and

Adversary Filing and

Miscellaneous Requests

Exact Change Only accepted as of December 16, 2013, for payment of fees and services.

Payment may be made by non−debtor's check, money order, cashier's 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 20-12128-BFK Doc 10 Filed 09/25/20 Entered 09/26/20 00:20:30 Desc Imaged

Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 20-12128-BFK

Melissa G Krumbein Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-9 User: chandlerk Page 1 of 2 Date Rcvd: Sep 23, 2020

 Form ID: 309A Total Noticed: 36

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

Sep 25, 2020.

db Melissa G Krumbein, 450 N Washington St Apt 312, Falls Church, VA 22046-3454

aty +Christopher L. Perkins, Eckert Seamans Cherin & Mellott, LLC,

 919 East Main Street, Suite 1300, Richmond, VA 23219-4624

15470828 +Best Buy/CBNA, PO Box 6217, Sioux Falls, SD 57117-6217

15470831 C&F Bank, Po Box 6335, Fargo, ND 58125-6335

15470830 C&F Bank, PO Box 790408, Saint Louis, MO 63179-0408

15470834 +CBE/Dominion Energy VA, PO Box 2547, Waterloo, IA 50704-2547

15470833 +Capital One, PO Box 21887, Saint Paul, MN 55121-0887

15470836 +Client Services/Chase Bank, 3451 Harry S Truman, St Charles, MO 63301-4047

15470837 Cody T Murphey Esq, Eckert Seamans, 919 E Main St Ste 1300, Richmond, VA 23219-4624

15470838 County of Henrico Waterr, Po Box 90775, Henrico, VA 23228-9775

15470840 E Duffy Myrtetus Esq, Eckert Seamans, 919 E Main St Ste 1300, Richmond, VA 23219-4624

15470842 Henrico GDC, Attn Civil, 4301 E Parham Rd, Henrico, VA 23228-2745

15470845 +L.L. Bean Mastercard/CBNA, PO Box 6497, Sioux Falls, SD 57117-6497

15470846 +Liberty Mutual, 175 Berkeley St, Boston, MA 02116-3350

15470850 +MRS BPO LLC, 1930 Olney Ave., Cherry Hill, NJ 08003-2016

15470849 +Midland Credit Management, 320 E. BIG BEAVER RD. STE 300, Troy, MI 48083-1271

15470851 Old Towne Retail Investments, LLC, 1545 Faraday Ave, Carlsbad, CA 92008-7449

15470854 +Target/TD Bank, 7000 Target Pkwy N, Mail Stop NCD-0450, Minneapolis, MN 55445-4301

15470855 Towne Insurance Agency, 301 Bendix Rd Ste 300, Virginia Bch, VA 23452-1385

15470856 +United Collection Bureau, 5620 Southwyck Blvd 206, Toledo, OH 43614-1501

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

aty E-mail/Text: robertweedlaw@yahoo.com Sep 24 2020 06:02:19 Robert R. Weed,

 Law Offices Of Robert Weed, 13800 Coppermine Rd, Herndon, VA 20171

tr +EDI: FHJGOLD.COM Sep 24 2020 09:38:00 H. Jason Gold, 341 Dial 877-973-4749 Code: 9974082,

 Nelson Mullins Riley and Scarborough LLP, 101 Constitution Avenue, N.W. Suite 900,

 Washington, DC 20001-2133

15470826 EDI: URSI.COM Sep 24 2020 09:38:00 Altran Financial, Box 722929, Houston, TX 77272-2929

15470829 EDI: BMW.COM Sep 24 2020 09:38:00 BMW Financial Services, PO Box 3608, Dublin, OH 43016

15470827 +EDI: TSYS2.COM Sep 24 2020 09:38:00 Barclays Bank Delaware, PO Box 8803,

 Wilmington, DE 19899-8803

15470832 +EDI: CAPITALONE.COM Sep 24 2020 09:38:00 Capital One, PO Box 30285,

 Salt Lake City, UT 84130-0285

15470835 +EDI: CITICORP.COM Sep 24 2020 09:38:00 Citicards CBNA, POB 6241,

 Sioux Falls, SD 57117-6241

15470839 E-mail/Text: DEbankruptcy@domenergy.com Sep 24 2020 06:02:38 Dominion Energy Virginia,

 PO Box 26543, Richmond, VA 23290

15470841 +EDI: USBANKARS.COM Sep 24 2020 09:38:00 Elan Financial Svcs, PO BOX 790084,

 Saint Louis, MO 63179-0084

15470843 EDI: JPMORGANCHASE Sep 24 2020 09:38:00 JPMBC, PO BOX 15298, Wilmington, DE 19850

15470844 +E-mail/Text: PBNCNotifications@peritusservices.com Sep 24 2020 06:02:42 

 Kohls Department Stores, PO Box 3115, Milwaukee, WI 53201-3115

15470847 E-mail/Text: bknotices@mbandw.com Sep 24 2020 06:03:20 McCarthy Burgess & Wolff,

 26000 Cannon Rd, Cleveland, OH 44146-1807

15470848 +E-mail/PDF: MerrickBKNotifications@Resurgent.com Sep 24 2020 06:09:58 Merrick Bank,

 PO Box 9201, Old Bethpage, NY 11804-9001

15470852 E-mail/Text: goalrealignment@payoff.zendesk.com Sep 24 2020 06:02:28 Payoff Inc,

 3200 Park Center Dr, Costa Mesa, CA 92626-7163

15470853 +E-mail/PDF: clerical@simmassociates.com Sep 24 2020 06:09:56 SIMM Associates Inc.,

 800 Pencader Drive, Newark, DE 19702-3354

15470857 EDI: VERIZONCOMB.COM Sep 24 2020 09:33:00 Verizon Virginia, Inc., 500 Technology Dr # 500,

 Weldon Spring, MO 63304-2225

 TOTAL: 16

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

cr Old Towne Retail Investments, LLC

 TOTALS: 1, * 0, ## 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.

Case 20-12128-BFK Doc 10 Filed 09/25/20 Entered 09/26/20 00:20:30 Desc Imaged

Certificate of Notice Page 4 of 5
District/off: 0422-9 User: chandlerk Page 2 of 2 Date Rcvd: Sep 23, 2020

 Form ID: 309A Total Noticed: 36

 ***** BYPASSED RECIPIENTS (continued) *****

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 25, 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 September 23, 2020 at the address(es) listed below:

 Christopher L. Perkins on behalf of Creditor Old Towne Retail Investments, LLC 

 cperkins@eckertseamans.com

 H. Jason Gold jason.gold@nelsonmullins.com, 

 VA19@ecfcbis.com;jgold@ecf.epiqsystems.com;hjg@trustesolutions.net;robert.ours@nelsonmullins.com;

 alex.reilly@nelsonmullins.com

 John P. Fitzgerald, III ustpregion04.ax.ecf@usdoj.gov

 Robert R. Weed on behalf of Debtor Melissa G Krumbein robertweedlaw@yahoo.com, 

 atty_robertweedcases@trustesolutions.com;Rvnotices@gmail.com;robertweedcases@gmail.com;LawOffices

 OfRobertWeed@jubileebk.net

 TOTAL: 4

Case 20-12128-BFK Doc 10 Filed 09/25/20 Entered 09/26/20 00:20:30 Desc Imaged

Certificate of Notice Page 5 of 5