Information to identify the case:

Debtor 1 James L. Johnson

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−7274

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Doris L. Johnson

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−8272

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia Date case filed for chapter 13 1/15/21

Case number: 21−30120−KRH

Official Form 309I

Notice of Chapter 13 Bankruptcy Case 12/17

For the debtors listed above, a case has been filed under chapter 13 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, the debtors' property, and certain codebtors. 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.

Confirmation of a chapter 13 plan may result in a discharge. Creditors who assert that the debtors are not entitled to a discharge under 11 U.S.C. §

1328(f) must file a motion objecting to discharge in the bankruptcy clerk's office within the deadline specified in this notice. Creditors who want to have

their debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office by the same deadline. (See line 13 below 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 https://pacer.uscourts.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 James L. Johnson Doris L. Johnson

2. All other names used in the

last 8 years

3. Address 7827 Mill River Ct.

Chesterfield, VA 23832

7827 Mill River Ct.

Chesterfield, VA 23832

4. Debtor's attorney

Name and address

Franklin Jay Murphy Pepper

F. J. Murphy Pepper, P.C.

4106 Waterswatch Drive

Midlothian, VA 23113

Contact phone 804−874−3137

Email: murphy_pepper@yahoo.com

5. Bankruptcy trustee

 Name and address

Suzanne E. Wade

341 Dial 877−996−8484 Code 2385911

7202 Glen Forest Drive, Ste. 202

Richmond, VA 23226

Contact phone (804) 775−0979

Email: ecfsummary@ch13ricva.com

For more information, see page 2 >

Official Form 309I Notice of Chapter 13 Bankruptcy Case [b309ivOct18.jsp] page 1

Case 21-30120-KRH Doc 7 Filed 01/21/21 Entered 01/22/21 00:17:42 Desc Imaged

Certificate of Notice Page 1 of 5
Debtor James L. Johnson and Doris L. Johnson Case number 21−30120−KRH

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

https://pacer.uscourts.gov.

McVCIS 24−hour case

information:

Toll Free 1−866−222−8029

701 East Broad Street

Richmond, VA 23219

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

PM ET, except on holidays.

Contact phone 804−916−2400

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

Date: January 19, 2021

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.

March 4, 2021 at 09:00 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. Deadlines

The bankruptcy clerk's office must

receive these documents and any

required filing fee by the following

deadlines.

Deadline to file a complaint to challenge

dischargeability of certain debts:

You must file:

• a motion if you assert that the debtors are

 not entitled to receive a discharge under

 U.S.C. § 1328(f) or

• a complaint if you want to have a particular

 debt excepted from discharge under

 11 U.S.C. § 523(a)(2)or (4).

Filing deadline: May 3, 2021

Deadline for all creditors to file a proof of claim

(except governmental units):

Filing deadline: March 26, 2021

Deadline for governmental units to file a proof of

claim:

Filing deadline: July 14, 2021

Deadlines for filing proof of claim:

 A proof of claim is a signed statement describing a creditor's claim. A proof of claim form may be obtained at

www.uscourts.gov or any bankruptcy clerk's office.

If you do not file a proof of claim by the deadline, you might not be paid on your claim. To be paid, you must file

a proof of claim even if your claim is listed in the schedules that the debtor filed.

Secured creditors retain rights in their collateral regardless of whether they file a proof of claim. Filing a proof of

claim submits the creditor to the jurisdiction of the bankruptcy court, with consequences a lawyer can explain.

For example, a secured creditor who files a proof of claim may surrender important nonmonetary rights,

including the right to a jury trial.

Deadline to file an Objection to a Proof of Claim is 90 days after the deadline set forth

above to file a Proof of Claim.

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

For more information, see page 3 >

Official Form 309I Notice of Chapter 13 Bankruptcy Case [b309ivOct18.jsp] page 2

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Certificate of Notice Page 2 of 5
Debtor James L. Johnson and Doris L. Johnson Case number 21−30120−KRH

9. Filing of Chapter 13 Plan

and Related Motions and

Hearing on Confirmation

Local Rule 3015−2 requires attorney for debtor(s) or pro se debtor(s) to serve the Chapter 13 Plan and Related

Motions on creditors and interested parties. Objections must be filed not later than 7 days prior to the date set

for the confirmation hearing. If no objections are timely filed, there will be no confirmation hearing. Timely

filed objections will be heard at the confirmation hearing scheduled to be held:

March 24, 2021 at 11:10 AM,

Location: Judge Huennekens − Courtroom, U. S. Bankruptcy Court, 701 E. Broad St., Rm. 5000,

Richmond, VA 23219

10. 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 deadline in this notice. Consult an attorney familiar with United States bankruptcy law if you have

any questions about your rights in this case.

11. Filing a chapter 13

bankruptcy case

Chapter 13 allows an individual with regular income and debts below a specified amount to adjust debts

according to a plan. A plan is not effective unless the court confirms it. You may object to confirmation of the

plan and appear at the confirmation hearing. A copy the plan, if not enclosed, will be sent to you later, and if the

confirmation hearing is not indicated on this notice, you will be sent notice of the confirmation hearing. The

debtor will remain in possession of the property and may continue to operate the business, if any, unless the

court orders otherwise.

12. Exempt property The law allows debtors to keep certain property as exempt. Fully exempt property will not be sold and

distributed to creditors, even if the case is converted to chapter 7. Debtors must file a list of property claimed as

exempt. You may inspect that list at the bankruptcy clerk's office or online at https://pacer.uscourts.gov. If you

believe that the law does not authorize an exemption that debtors claimed, you may file an objection by the

deadline.

13. Discharge of debts Confirmation of a chapter 13 plan may result in a discharge of debts, which may include all or part of a debt.

However, unless the court orders otherwise, the debts will not be discharged until all payments under the plan

are made. A discharge means that creditors may never try to collect the debt from the debtors personally except

as provided in the plan. If you want to have a particular debt excepted from discharge under 11 U.S.C. §

523(a)(2) or (4), you must file a complaint and pay the filing fee in the bankruptcy clerk's office by the deadline.

If you believe that the debtors are not entitled to a discharge of any of their debts under 11 U.S.C. § 1328(f), you

must file a motion.

14. Local Rule Dismissal

Warning

Case may be dismissed for failure to timely file lists, schedules and statements, to attend meeting of creditors,

or for failure to timely file a Chapter 13 plan. (Local Bankruptcy Rules 1007−1, 1007−3, 2003−1, and 3015−2.)

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.

15. Manner of Payment of Fees Exact Change Only accepted for cash payment of fees and services. Payment may also be made by

non−debtor's check, money order, cashier's check or a 'not to exceed 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 309I Notice of Chapter 13 Bankruptcy Case [b309ivAug19.jsp] page 3

Case 21-30120-KRH Doc 7 Filed 01/21/21 Entered 01/22/21 00:17:42 Desc Imaged

Certificate of Notice Page 3 of 5
United States Bankruptcy Court

Eastern District of Virginia

In re: Case No. 21-30120-KRH

James L. Johnson Chapter 13

Doris L. Johnson

Debtors

CERTIFICATE OF NOTICE

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

Date Rcvd: Jan 19, 2021 Form ID: 309I Total Noticed: 23

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 Jan 21, 2021:

Recip ID Recipient Name and Address

db/jdb + James L. Johnson, Doris L. Johnson, 7827 Mill River Ct., Chesterfield, VA 23832-9238

tr + Suzanne E. Wade, 341 Dial 877-996-8484 Code 2385911, 7202 Glen Forest Drive, Ste. 202, Richmond, VA 23226-3770

15559437 + CJW Medical, P.O. Box 13620, Richmond, VA 23225-8620

15559439 + Fedloan, Attn: Bankruptcy, Po Box 69184, Harrisburg, PA 17106-9184

15559441 + Freedom Mortgage Corporation, Attn: Bankruptcy, 907 Pleasant Valley Ave, Ste 3, Mt Laurel, NJ 08054-1210

15559444 + NTB/CBSD, Citi Corp Credit Services Centralized Ba, Po Box 20507, Kansas City, MO 64195-0507

15559446 + Rva Fin Fcu, Attn: Bankruptcy Dept, 1700 Robin Hood Rd, Richmond, VA 23220-1012

15561170 + US Attorney, 919 E Main St, Ste 1900, Richmond, VA 23219-4622

TOTAL: 8

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

aty Email/Text: murphy_pepper@yahoo.com

Jan 20 2021 07:21:00 Franklin Jay Murphy Pepper, F. J. Murphy Pepper,

P.C., 4106 Waterswatch Drive, Midlothian, VA

23113

15559434 + EDI: CAPITALONE.COM

Jan 20 2021 11:53:00 Capital One, Attn: Bankruptcy, Po Box 30285,

Salt Lake City, UT 84130-0285

15559435 + Email/PDF: HCABKNotifications@resurgent.com

Jan 20 2021 07:31:42 Chippenham Hospital, P.O. Box 99400, Louisville,

KY 40269-0400

15559436 + EDI: CITICORP.COM

Jan 20 2021 11:53:00 Citibank/Best Buy, Citicorp Credit

Srvs/Centralized Bk dept, Po Box 790034, St

Louis, MO 63179-0034

15559438 + Email/PDF: creditonebknotifications@resurgent.com

Jan 20 2021 07:33:54 Credit One Bank, Attn: Bankruptcy Department,

Po Box 98873, Las Vegas, NV 89193-8873

15559440 + Email/Text: bankruptcynotices@fifsg.com

Jan 20 2021 07:23:00 First Investors Financial Services, Attn:

Bankruptcy, 380 Interstate North Parkway, Suite

300, Atlanta, GA 30339-2222

15559442 EDI: IRS.COM

Jan 20 2021 11:53:00 IRS Centralized Insolvency Ope, Box 7346,

Philadelphia, PA 19101-7346

15559443 + Email/Text: netcreditbnc@enova.com

Jan 20 2021 07:24:13 NetCredit, Attn: Bankruptcy, 175 W. Jackson

Blvd, Ste 1000, Chicago, IL 60604-2863

15559445 + EDI: AGFINANCE.COM

Jan 20 2021 11:53:00 OneMain Financial, Attn: Bankruptcy, Po Box

3251, Evansville, IN 47731-3251

15559447 + EDI: RMSC.COM

Jan 20 2021 11:53:00 Syncb/Generac Consumer, Attn: Bankruptcy, Po

Box 965064, Orlando, FL 32896-5064

15559448 + EDI: RMSC.COM

Jan 20 2021 11:53:00 Syncb/HSN, Attn: Bankruptcy, Po Box 965060,

Orlando, FL 32896-5060

15559449 + EDI: RMSC.COM

Jan 20 2021 11:53:00 Synchrony Bank/ JC Penneys, Attn: Bankruptcy,

Po Box 965064, Orlando, FL 32896-5064

Case 21-30120-KRH Doc 7 Filed 01/21/21 Entered 01/22/21 00:17:42 Desc Imaged

Certificate of Notice Page 4 of 5
District/off: 0422-7 User: ramirez-l Page 2 of 2

Date Rcvd: Jan 19, 2021 Form ID: 309I Total Noticed: 23

15559450 + EDI: RMSC.COM

Jan 20 2021 11:53:00 Synchrony Bank/Lowes, Attn: Bankruptcy, Po

Box 965060, Orlando, FL 32896-5060

15559451 Email/Text: bknotice@upgrade.com

Jan 20 2021 07:22:00 Upgrade, Inc., 275 Battery Street, 23rd Floor, San

Francisco, CA 94111-0000

15559452 + EDI: WFFC.COM

Jan 20 2021 11:53:00 Wells Fargo Bank NA, Attn: Bankruptcy, 1 Home

Campus Mac X2303-01a, Des Moines, IA

50328-0001

TOTAL: 15

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.

NONE

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: Jan 21, 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 January 16, 2021 at the address(es) listed

below:

Name Email Address

Franklin Jay Murphy Pepper

on behalf of Joint Debtor Doris L. Johnson murphy_pepper@yahoo.com 

Franklin Jay Murphy Pepper

on behalf of Debtor James L. Johnson murphy_pepper@yahoo.com 

John P. Fitzgerald, III

USTPRegion04.RH.ECF@usdoj.gov 

Suzanne E. Wade

ecfsummary@ch13ricva.com trustee@ch13ricva.com;fred@cmc13.net

TOTAL: 4

Case 21-30120-KRH Doc 7 Filed 01/21/21 Entered 01/22/21 00:17:42 Desc Imaged

Certificate of Notice Page 5 of 5