Information to identify the case:

Debtor 1 Loraine Baxter

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−8398

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing)

Terry Baxter

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−6060

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Eastern District of Virginia

Case number: 19−10810−KHK

Discharge of Joint Debtors 12/15

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

Loraine Baxter Terry Baxter

July 15, 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 Joint Debtors page 1

Case 19-10810-KHK Doc 34 Filed 07/17/19 Entered 07/18/19 00:24:09 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 Joint Debtors page 2

Case 19-10810-KHK Doc 34 Filed 07/17/19 Entered 07/18/19 00:24:09 Desc Imaged

 Certificate of Notice Page 2 of 3
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-10810-KHK

Loraine Baxter Chapter 7

Terry Baxter

 Debtors CERTIFICATE OF NOTICE

District/off: 0422-9 User: jonesar Page 1 of 1 Date Rcvd: Jul 15, 2019

 Form ID: 318 Total Noticed: 9

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

Jul 17, 2019.

db/jdb Loraine Baxter, Terry Baxter, 905 North Patchett St., Apt 103, Alexandria, VA 22314

14762943 +AES/PHEAA, Attn: Bankruptcy, 1200 North 7th St, Harrisburg, PA 17102-1419

14762944 +American Collections Enterprise Inc, Attn: Bankruptcy, Po Box 30096,

 Alexandria, VA 22310-8096

14762945 +Credit Acceptance, 25505 West 12 Mile Rd, Suite 3000, Southfield, MI 48034-8331

14762948 +INOVA, 2990 Telestar Court, Falls Church, VA 22042-1207

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

tr +EDI: BDFKING Jul 16 2019 07:58:00 Donald F. King, 1775 Wiehle Avenue, Suite 400,

 Reston, VA 20190-5159

14762946 +EDI: RCSFNBMARIN.COM Jul 16 2019 07:58:00 Credit One Bank, P.O. Box 98873,

 Las Vegas, NV 89193-8873

14762947 +EDI: AMINFOFP.COM Jul 16 2019 07:58:00 First Premier Bank, Attn: Bankruptcy,

 Po Box 5524, Sioux Falls, SD 57117-5524

14762949 +EDI: RESURGENT.COM Jul 16 2019 07:58:00 LVNV Funding/Resurgent Capital, Attn: Bankruptcy,

 Po Box 10497, Greenville, SC 29603-0497

 TOTAL: 4

 ***** 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: Jul 17, 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 July 15, 2019 at the address(es) listed below:

 Ashvin Pandurangi on behalf of Debtor Loraine Baxter ap@aplawg.com, 

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

 Ashvin Pandurangi on behalf of Joint Debtor Terry Baxter ap@aplawg.com, 

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

 Donald F. King Kingtrustee@ofplaw.com, va50@ecfcbis.com

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

 TOTAL: 4

Case 19-10810-KHK Doc 34 Filed 07/17/19 Entered 07/18/19 00:24:09 Desc Imaged

 Certificate of Notice Page 3 of 3