Information to identify the case:

Debtor 1 Lavena M Barrett

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−5302

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: 20−33814−KLP

Discharge of Debtor 12/15

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

Lavena M Barrett

January 4, 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 20-33814-KLP Doc 38 Filed 01/07/21 Entered 01/08/21 00:16:01 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. 20-33814-KLP

Lavena M Barrett Chapter 7

Debtor(s)

CERTIFICATE OF NOTICE

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

Date Rcvd: Jan 05, 2021 Form ID: 318 Total Noticed: 31

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 07, 2021:

Recip ID Recipient Name and Address

db + Lavena M Barrett, 3207 Terrybluff Drive, Midlothian, VA 23112-3364

cr + United Auto Credit Corporation, PO Box 163049, Fort Worth, TX 76161-3049

15466088 + Aaron's Sales & Lease, Attn: Bankruptcy, Po Box 100039, Kennesaw, GA 30156-9239

15482264 + Cash Advance, 6341 Jahnke Road, Richmond, VA 23225-4142

15466091 + Cnac Va108, 7400 Midoothian Pike, Richmond, VA 23225-5419

15482266 + First Virginia Financial, 9121 Staples Mills Road, Henrico, VA 23228-2026

15482268 + Millspring Commons Apts, 9318 Tarheel Terrrace, Henrico, VA 23228-1632

15466094 + Miramed Revenue Group, Attn: Bankruptcy, 255 West Michigan Ave, Jackson, MI 49201-2218

15482270 + Richfield Place Apartments, 6001 Grammarcy Circle, Richmond, VA 23227-2328

15466096 + Santander Consumer USA, Attn: Bankruptcy, 10-64-38-Fd7 601 Penn St, Reading, PA 19601-3544

15482273 + The Shannon Townhomes, 628 Windomere Avenue, Richmond, VA 23227-2955

15482274 + Title Max, 6907 Staples Mill Road, Henrico, VA 23228-4931

15466097 + Total Visa/The Bank of Missouri, Attn: Bankruptcy, Po Box 85710, Sioux Falls, SD 57118-5710

15467427 US Attorneys Office, Eastern District of Virginia, 919 E Main St., Ste. 1900, Richmond, VA 23219-4625

15466099 + United Auto Credit Co, Attn: Bankruptcy, Po Box 163049, Fort Worth, TX 76161-3049

TOTAL: 15

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

Jan 06 2021 02:48:00 Lynn L. Tavenner, 341 Dial 866-630-1691 Code:

9791870, 20 North Eighth Street, Second Floor,

Richmond, VA 23219

cr + EDI: AISACG.COM

Jan 06 2021 06:28:00 Exeter Finance LLC, c/o AIS Portfolio Services,

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

City, OK 73118-7901

15482263 Email/Text: bankruptcy@bbandt.com

Jan 06 2021 03:17:00 BB& T, P. O. Box 486, Whiteville, NC 28472

15466090 + Email/Text: compliance@contractcallers.com

Jan 06 2021 03:19:00 CCI/Contract Callers Inc, Attn: Bankruptcy Dept,

501 Greene St Ste 302, Augusta, GA 30901-4415

15466089 + EDI: CAPITALONE.COM

Jan 06 2021 06:28:00 Capital One, Attn: Bankruptcy, Po Box 30285,

Salt Lake City, UT 84130-0285

15482265 + EDI: COMCASTCBLCENT

Jan 06 2021 06:28:00 Comcast, PO Box 173885, Denver, CO

80217-3885

15469594 + EDI: AISACG.COM

Jan 06 2021 06:28:00 Exeter Finance LLC, AIS Portfolio Services, LP,

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

OK 73118-7901

15466092 + Email/PDF: ais.exeter.ebn@americaninfosource.com

Jan 06 2021 02:24:11 Exeter Finance LLC, Attn: Bankruptcy, Po Box

166008, Irving, TX 75016-6008

15466093 + EDI: BLUESTEM

Jan 06 2021 06:28:00 Fingerhut, Attn: Bankruptcy, Po Box 1250, Saint

Cloud, MN 56395-1250

15482267 + EDI: AMINFOFP.COM

Jan 06 2021 06:28:00 First Premier, 601 S. Minnesota Ave., Sioux Falls,

SD 57104-4824

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

Date Rcvd: Jan 05, 2021 Form ID: 318 Total Noticed: 31

15466095 + EDI: NAVIENTFKASMSERV.COM

Jan 06 2021 06:28:00 Navient, Attn: Claims Dept, Po Box 9500,

Wilkes-Barr, PA 18773-9500

15482269 + EDI: NFCU.COM

Jan 06 2021 06:28:00 Navy Federal Credit Union, P.O. Box 3501,

Merrifield, VA 22119-3501

15482271 + Email/Text: bankruptcy@speedyinc.com

Jan 06 2021 03:17:00 Speedy Cash, PO Box 780408, Wichita, KS

67278-0408

15482272 + EDI: BANKAMER.COM

Jan 06 2021 06:28:00 Suntrust, PO 15137, Wilmington, DE 19886-5137

15466098 + Email/Text: bankruptcydepartment@tsico.com

Jan 06 2021 03:18:00 Transworld Systems, Inc., Attn: Bankruptcy, Po

Box 15630, Wilmington, DE 19850-5630

15482275 + EDI: WFFC.COM

Jan 06 2021 06:28:00 Wells Fargo, P.O. Box 522, Des Moines, IA

50306-0522

TOTAL: 16

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 Corp.

15471527 *+ Exeter Finance LLC, AIS Portfolio Services, LP, 4515 N Santa Fe Ave. Dept. APS, Oklahoma City, OK 73118-7901

15471532 *+ Exeter Finance LLC, AIS Portfolio Services, LP, 4515 N Santa Fe Ave. Dept. APS, Oklahoma City, OK 73118-7901

TOTAL: 1 Undeliverable, 2 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: Jan 07, 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 4, 2021 at the address(es) listed

below:

Name Email Address

John P. Fitzgerald, III

USTPRegion04.RH.ECF@usdoj.gov 

Joseph S. Massie, III

on behalf of Debtor Lavena M Barrett jmassie@massielawfirm.com 

jwilliams@massielawfirm.com;massielaw2@gmail.com;sgoodwin@massielawfirm.com;massiejr71504@notify.bestcase.com

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 Corp. sara_john@eppspc.com 

TOTAL: 4

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