Information to identify the case:

Debtor 1 Alan Arthur Smith

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−7811

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: 20−33318−KLP

Discharge of Debtor 12/15

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

Alan Arthur Smith

November 9, 2020 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

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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. 20-33318-KLP

Alan Arthur Smith Chapter 7

Debtor(s)

CERTIFICATE OF NOTICE

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

Date Rcvd: Nov 10, 2020 Form ID: 318 Total Noticed: 19

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 Nov 12, 2020:

Recip ID Recipient Name and Address

db + Alan Arthur Smith, 1306 Alsatia Drive, Henrico, VA 23238-5107

15430920 + Argent Federal Credit Union, PO Box 72, Chesterfield, VA 23832-0900

15430928 + First National Bank of Omaha, Attn: Bankruptcy, Po Box 3128, Omaha, NE 68103-0128

15430929 + Fortiva, P.O. Box 105555, Atlanta, GA 30348-5555

15430930 + LendingClub, Attn: Bankruptcy, 595 Market St, Ste 200, San Francisco, CA 94105-2807

15430931 + Marcus by Goldman Sachs, Attn: Bankruptcy, Po Box 45400, Salt Lake City, UT 84145-0400

15430932 + Mrc/united Wholesale M, 8950 Cypress Waters, Coppell, TX 75019-4620

15430933 + Sofi Lending Corp, Attn: Bankruptcy, 375 Healdsburg Avenue Suite 280, Healdsburg, CA 95448-4151

15430935 + US Attorney, 919 E. Main Street, Floor 19, Richmond, VA 23219-4622

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: bruce.robinson@txitrustee.com

Nov 11 2020 04:09:00 Bruce E. Robinson, 341 Dial 866-769-9218 Code:

7515089, P.O. Box 538, South Hill, VA

23970-0538

15430919 + EDI: AMEREXPR.COM

Nov 11 2020 06:43:00 Amex, Correspondence/Bankruptcy, Po Box

981540, El Paso, TX 79998-1540

15430921 + EDI: BANKAMER.COM

Nov 11 2020 06:43:00 Bank of America, 4909 Savarese Circle,

Fl1-908-01-50, Tampa, FL 33634-2413

15430922 + Email/Text: cswelch@chartway.com

Nov 11 2020 04:11:00 Chartway FCU, Attn: Bankruptcy, 5700 Cleveland

Street, Virginia Beach, VA 23462-1752

15430924 + EDI: CITICORP.COM

Nov 11 2020 06:43:00 Citibank, Citicorp Credit Srvs/Centralized Bk dept,

Po Box 790034, St Louis, MO 63179-0034

15430925 + EDI: WFNNB.COM

Nov 11 2020 06:43:00 Comenitybank/wsvisa, Attn: Bankruptcy Dept, Po

Box 182125, Columbus, OH 43218-2125

15430926 + EDI: WFNNB.COM

Nov 11 2020 06:43:00 Comenitycapital/orbitz, Attn: Bankruptcy, Po Box

182125, Columbus, OH 43218-2125

15430927 EDI: IRS.COM

Nov 11 2020 06:43:00 Department of the Treasury, Internal Revenue

Service, PO Box 7346, Philadelphia, PA

19101-7346

15430923 EDI: JPMORGANCHASE

Nov 11 2020 06:43:00 Chase Card Services, Attn: Bankruptcy, Po Box

15298, Wilmington, DE 19850-0000

15430934 + EDI: RMSC.COM

Nov 11 2020 06:43:00 Synchrony Bank/Lowes, Attn: Bankruptcy, Po

Box 965060, Orlando, FL 32896-5060

TOTAL: 10

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

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

Date Rcvd: Nov 10, 2020 Form ID: 318 Total Noticed: 19

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: Nov 12, 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 November 9, 2020 at the address(es) listed

below:

Name Email Address

Bruce E. Robinson

bruce.robinsontr@gmail.com therese.rogerstra@gmail.com;ecf.alert+Robinson@titlexi.com

John P. Fitzgerald, III

USTPRegion04.RH.ECF@usdoj.gov 

Keith A. Pagano

on behalf of U.S. Trustee John P. Fitzgerald III kpagano@paganomarks.com,

kdodson@paganomarks.com;pballard@paganomarks.com;mfoley@paganomarks.com;btate@paganomarks.com;ehaegele@pagan

omarks.com

Keith A. Pagano

on behalf of Debtor Alan Arthur Smith kpagano@paganomarks.com 

kdodson@paganomarks.com;pballard@paganomarks.com;mfoley@paganomarks.com;btate@paganomarks.com;ehaegele@pagan

omarks.com

TOTAL: 4

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Certificate of Notice Page 4 of 4