Information to identify the case:

Debtor 1 Jennifer Jo Illetschko

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−7740

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: 18−12040−BFK

Discharge of Debtor 12/15

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

Jennifer Jo Illetschko

September 19, 2018 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 18-12040-BFK Doc 19 Filed 09/21/18 Entered 09/20/18 14:48:55 Desc Imaged

 Certificate of Notice Page 1 of 3
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 18-12040-BFK Doc 19 Filed 09/21/18 Entered 09/20/18 14:48:55 Desc Imaged

 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 18-12040-BFK

Jennifer Jo Illetschko Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-9 User: shepherda Page 1 of 1 Date Rcvd: Sep 19, 2018

 Form ID: 318 Total Noticed: 19

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

Sep 21, 2018.

db +Jennifer Jo Illetschko, 725 Brethour Court, Sterling, VA 20164-1456

cr +County of Loudoun, 1 Harrison Street, SE (MSC #06), Leesburg, VA 20175-3102

cr Treasurer, County of Loudoun, Virginia, Attention: Collections/Bankrupty Div.,

 P O Box 347 (MSC #31), Leesburg, VA 20178-0347

14410034 +Citibank/The Home Depot, Centralized Bankruptcy, Po Box 790034, St Louis, MO 63179-0034

14410035 +Jack Harris, Inc., 8855 Annapolis Rd., Suite 107, Lanham, MD 20706-2900

14410037 Lerner Corporation, 2100 Stanford Square, Sterling, VA 20166-0000

14410038 +Michael Imoh and Kaur Gurpreed, 22919 Adelphia Terrace, Sterling, VA 20166-4334

14410039 +Michelle Cumberland, 801 N. Pitt St, Alexandria, VA 22314-1780

14411838 Treasurer, County of Loudoun, Virginia, Attention: Collections/Bankruptcy Div.,

 P O BOX 347 (MSC #31), Leesburg, Virginia 20178-0347

14410043 +Us Dept Of Ed/Great Lakes Higher Educati, Attn: Bankruptcy, 2401 Interanational Lane,

 Madison, WI 53704-3121

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

tr EDI: BJMMEIBURGER.COM Sep 20 2018 06:38:00 Janet M. Meiburger,

 The Meiburger Law Firm, P.C., 1493 Chain Bridge Road, Suite 201, McLean, VA 22101-5726

14410032 +EDI: CAPITALONE.COM Sep 20 2018 06:38:00 Capital One, Attn: Bankruptcy, Po Box 30285,

 Salt Lake City, UT 84130-0285

14410033 +EDI: CHASE.COM Sep 20 2018 06:38:00 Chase Card Services, Correspondence Dept,

 Po Box 15298, Wilmington, DE 19850-5298

14410036 +EDI: CBSKOHLS.COM Sep 20 2018 06:38:00 Kohls/Capital One, Kohls Credit, Po Box 3120,

 Milwaukee, WI 53201-3120

14410040 +EDI: NFCU.COM Sep 20 2018 06:38:00 Navy Federal Cr Union, Attn: Bankruptcy, Po Box 3000,

 Merrifield, VA 22119-3000

14410041 EDI: PRA.COM Sep 20 2018 06:38:00 Portfolio Recovery, Po Box 41067,

 Norfolk, VA 23541-0000

14410042 +E-mail/Text: bankruptcy@towerfcu.org Sep 20 2018 02:44:10 Tower FCU, 7901 Sandy Spring Rd,

 Laurel, MD 20707-3589

14410044 +EDI: USAA.COM Sep 20 2018 06:38:00 USAA Federal Savings Bank, Attn: Bankruptcy,

 10750 Mcdermott Freeway, San Antonio, TX 78288-1600

14410045 +EDI: USAA.COM Sep 20 2018 06:38:00 Usaa Svg Bk, Attn: Bankruptcy,

 10750 Mcdermott Freeway, San Antonio, TX 78288-1600

 TOTAL: 9

 ***** BYPASSED RECIPIENTS *****

NONE. TOTAL: 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.

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 21, 2018 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 19, 2018 at the address(es) listed below:

 Ashvin Pandurangi on behalf of Debtor Jennifer Jo Illetschko ashvinp228@gmail.com, 

 preea@aplawg.com;pandurangiar78675@notify.bestcase.com

 Janet M. Meiburger trustee@meiburgerlaw.com, VA41@ecfcbis.com

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

 Steven F. Jackson on behalf of Creditor County of Loudoun Steve.Jackson@loudoun.gov, 

 Rachel.healy@loudoun.gov;ann.mccafferty@loudoun.gov;bankrupt@loudoun.gov

 TOTAL: 4

Case 18-12040-BFK Doc 19 Filed 09/21/18 Entered 09/20/18 14:48:55 Desc Imaged

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