Information to identify the case:

Debtor 1 Katlyn E. Javins

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−4649

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: 19−34500−KLP

Discharge of Debtor 12/15

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

Katlyn E. Javins

December 12, 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

Case 19-34500-KLP Doc 18 Filed 12/15/19 Entered 12/16/19 00:18:49 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

Case 19-34500-KLP Doc 18 Filed 12/15/19 Entered 12/16/19 00:18:49 Desc Imaged

Certificate of Notice Page 2 of 4
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-34500-KLP

Katlyn E. Javins Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: admin Page 1 of 2 Date Rcvd: Dec 13, 2019

 Form ID: 318 Total Noticed: 51

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

Dec 15, 2019.

db +Katlyn E. Javins, 2815 Hilliard Rd. Apt. H, Henrico, VA 23228-4462

15000607 +AT&T Mobility, 11760 US Highway 1, Suite 600, North Palm Beach, FL 33408-3029

15000604 +Achilles Foot & Ankle, 7575 Cold Harbor Rd. Ste. 2A, Mechanicsville, VA 23111-1601

15000605 +Advance Financial/Shiva Fin., 100 Oceanside Drive, Nashville, TN 37204-2351

15000610 BCC Financial, Box 590067, Fort Lauderdale, FL 33359-0067

15000611 +Better Med, PO Box 14099, Belfast, ME 04915-4034

15000612 C&F Bank, Eighth And Main Streets, West Point, VA 23181-0000

15000615 +CMG Southside Emerg., 935 S Main St, Farmville, VA 23901-2211

15000616 +Commonwealth Financial Systems, Attn: Bankruptcy, 245 Main Street,

 Dickson City, PA 18519-1641

15000619 +Durham & Durham, 5665 New Northside Dr., #510, Atlanta, GA 30328-4649

15000622 ++FOCUSED RECOVERY SOLUTIONS, 9701 METROPOLITAN COURT, STE B, RICHMOND VA 23236-3690

 (address filed with court: Focused Recovery Solutions, Attn: Bankruptcy,

 9701-Metropolitan Ct Ste Battn: Bankru, North Chesterfield, VA 23236-0000)

15000621 +First Progress, Attn: Bankruptcy, Po Box 9053, Johnson City, TN 37615-9053

15000624 +Glasser Law, 580 E Main St #600, Norfolk, VA 23510-2322

15000625 +Hanger Prosthetics Orthotics, 10910 Domain Drive, Suite 300, Austin, TX 78758-7807

15000627 +Henrico General District Court, 4301 E. Parham Road, Henrico, VA 23273-0001

15000628 +James River Emer. Group, 1401 Johnston Willis Dr., Richmond, VA 23235-4730

15000630 Labcorp, Box 2240, Burlington, NC 27216-2240

15000633 +NPAS, Box 99400, Louisville, KY 40269-0400

15000634 +Patient First, 5000 Cox Road, Glen Allen, VA 23060-9271

15000904 ++ROBERT P MCINTOSH, U S ATTORNEY S OFFICE, EASTERN DISTRICT OF VIRGINIA,

 919 E MAIN ST SUITE 1900, RICHMOND VA 23219-4625

 (address filed with court: U. S. Attorney, 600 East Main Street, Suite 1800,

 Richmond, VA 23219)

15000636 +Radiology Consult. of Lynchbg, 113 Nationwide Dr, Lynchburg, VA 24502-4868

15000638 +Richmond Emergency Physicians, 5855 Bremo Rd, Richmond, VA 23226-1930

15000640 +Skipwith Road Emerg. Phys., 1602 Skipwith Rd, Henrico, VA 23229-5205

15000641 +St. Mary’s Hospital, 5801 Bremo Road, Richmond, VA 23226-1900

15000642 +TekCollect Inc, Attn: Bankruptcy, Po Box 1269, Columbus, OH 43216-1269

15000643 +The Pediatric Center, 10571 Telegraph Road #110, Glen Allen, VA 23059-4652

15000645 +Total Visa/Bank of Missouri, Attn: Bankruptcy, Po Box 85710, Sioux Falls, SD 57118-5710

15000647 +Virginia Physicians Inc., 6900 Forest Ave. #300, Richmond, VA 23230-1730

15000649 Wells Fargo, 501 Bleecker St., Utica, NY 13501-2498

15000632 +nhcash.com, LLC, Attn: Bankruptcy, 169 South River Road Suite #19, Bedford, NH 03110-6934

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

tr +EDI: QPJBARRETT.COM Dec 14 2019 08:08:00 Peter J. Barrett, Kutak Rock LLP,

 901 East Byrd Street, Suite 1000, Richmond, VA 23219-4071

cr +EDI: GMACFS.COM Dec 14 2019 08:08:00 Ally Bank, PO Box 130424, Roseville, MN 55113-0004

15000603 +E-mail/Text: bankruptcies@1stadvantage.org Dec 14 2019 03:23:53 1st Advantage Fcu,

 12891 Jefferson Av, Newport News, VA 23608-3030

15000606 +EDI: GMACFS.COM Dec 14 2019 08:08:00 Ally Financial, Attn: Bankruptcy Dept,

 Po Box 380901, Bloomington, MN 55438-0901

15000609 E-mail/Text: bankruptcy@bbandt.com Dec 14 2019 03:23:36 BB&T Bank, 200 West Second Street,

 Winston Salem, NC 27101-0000

15000608 +EDI: BANKAMER2.COM Dec 14 2019 08:08:00 Bank of America, 100 North Tryon Street,

 Charlotte, NC 28255-0001

15000613 +EDI: CAPITALONE.COM Dec 14 2019 08:08:00 Capital One, 1680 Capital One Drvie,

 Mc Lean, VA 22102-3407

15000614 +E-mail/Text: opsqa_usbankruptcy@cashnetusa.com Dec 14 2019 03:23:22 Cashnet USA,

 175 West Jackson, Ste. 1000, Chicago, IL 60604-2863

15000617 +E-mail/PDF: creditonebknotifications@resurgent.com Dec 14 2019 03:28:47 Credit One Bank,

 585 Pilot Rd, Las Vegas, NV 89119-3619

15000618 +E-mail/Text: collect@ccsroanoke.com Dec 14 2019 03:24:23 Creditors Collection Service,

 Attn: Bankruptcy, Po Box 21504, Roanoke, VA 24018-0152

15000620 +EDI: AMINFOFP.COM Dec 14 2019 08:08:00 First PREMIER Bank, Attn: Bankruptcy,

 Po Box 5524, Sioux Falls, SD 57117-5524

15000626 +E-mail/PDF: HCABKNotifications@resurgent.com Dec 14 2019 03:28:01 Henrico Doctors Hospital,

 1602 Skipwith Rd., Henrico, VA 23229-5298

15000629 +EDI: WFNNB.COM Dec 14 2019 08:08:00 Kay Jewelers, PO BOX 182273,

 Columbus, OH 43218-2273

15000631 +E-mail/PDF: resurgentbknotifications@resurgent.com Dec 14 2019 03:41:15 

 LVNV Funding/Resurgent Capital, Attn: Bankruptcy, Po Box 10497,

 Greenville, SC 29603-0497

15000635 EDI: PRA.COM Dec 14 2019 08:08:00 Portfolio Recovery, Attn: Bankruptcy,

 120 Corporate Blvd, Norfold, VA 23502-0000

15000637 E-mail/Text: colleen.atkinson@rmscollect.com Dec 14 2019 03:24:32 Receivable Management Inc,

 7206 Hull Rd, Ste 211, Richmond, VA 23235-0000

15000639 +EDI: DRIV.COM Dec 14 2019 08:08:00 Santander Consumer USA, Attn: Bankruptcy,

 Po Box 961245, Fort Worth, TX 76161-0244

15000644 EDI: AISTMBL.COM Dec 14 2019 08:08:00 TMobile, PO Box 53410, Bellevue, WA 98015-0000

Case 19-34500-KLP Doc 18 Filed 12/15/19 Entered 12/16/19 00:18:49 Desc Imaged

Certificate of Notice Page 3 of 4
District/off: 0422-7 User: admin Page 2 of 2 Date Rcvd: Dec 13, 2019

 Form ID: 318 Total Noticed: 51

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

(continued)

15000646 +EDI: ECMC.COM Dec 14 2019 08:08:00 U.S. Department of Education, Ecmc/Bankruptcy,

 Po Box 16408, Saint Paul, MN 55116-0408

15000648 EDI: RMSC.COM Dec 14 2019 08:08:00 Walmart, P.O. Box 530927, Atlanta, GA 30353-0927

15000650 +E-mail/Text: admin@rosebudlending.com Dec 14 2019 03:24:30 Zoca Loans, PO Box 1147,

 Mission, SD 57555-1147

 TOTAL: 21

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

15000623* ++FOCUSED RECOVERY SOLUTIONS, 9701 METROPOLITAN COURT, STE B, RICHMOND VA 23236-3690

 (address filed with court: Focused Recovery Solutions Inc, 9701 Metropolitan Ct. Ste. B,

 Richmond, VA 23236-3690)

 TOTALS: 0, * 1, ## 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.

Addresses marked ’++’ were redirected to the recipient’s preferred mailing address

pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

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: Dec 15, 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 December 12, 2019 at the address(es) listed below:

 Franklin Jay Murphy Pepper on behalf of Debtor Katlyn E. Javins murphy_pepper@yahoo.com

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

 Peter J. Barrett peter.barrett@kutakrock.com, 

 charisse.matthews@kutakrock.com;pbarrett@ecf.axosfs.com

 TOTAL: 3

Case 19-34500-KLP Doc 18 Filed 12/15/19 Entered 12/16/19 00:18:49 Desc Imaged

Certificate of Notice Page 4 of 4