United States Bankruptcy Court

Eastern District of Virginia

Alexandria Division

200 South Washington Street

Alexandria, VA 22314

Case Number 20−12583−KHK

In re: Chapter 7

Mohamed A. El Rafaei

 9203 Old Courthouse Rd.

Vienna, VA 22182

SSN: xxx−xx−1517 EIN: NA

NOTICE OF DENIAL OF DISCHARGE

Notice is hereby given that the court has entered an order on February 9, 2024 denying the discharge of the

debtor(s) in the above−captioned case.

Dated: February 9, 2024

(VAN−016)

For the Court,

William C. Redden, Clerk

United States Bankruptcy Court

Case 20-12583-KHK Doc 404 Filed 02/11/24 Entered 02/12/24 00:15:40 Desc

Imaged Certificate of Notice Page 1 of 5
United States Bankruptcy Court

Eastern District of Virginia

In re: Case No. 20-12583-KHK

Mohamed A. El Rafaei Chapter 7

Debtor

CERTIFICATE OF NOTICE

District/off: 0422-9 User: Page 1 of 4

Date Rcvd: Feb 09, 2024 Form ID: VAN016 Total Noticed: 42

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 Feb 11, 2024:

Recip ID Recipient Name and Address

db + Mohamed A. El Rafaei, 9203 Old Courthouse Rd., Vienna, VA 22182-2013

aty + RoganMillerZimmerman, PLLC, RoganMillerZimmerman, 50 Catoctin Circle, NE, Suite 300, 50 Catoctin Circle, NE, Suite 300 Leesburg,

VA 20176-3101

cr + Charles B. Peoples, 1025 Connecticutt Ave. NW Suite 608, Washington, dc 20036-5411

intp + Omnia Moustafa, 9203 Old Courthouse Road, Vienna, VA 22182-2013

15523409 + Adel Kobeish, 7787 Leesburg Pike, Falls Church, VA 22043-2432

15523411 + Ali Hassani, 8504 Cherry Hits Court, Springfield, VA 22153-2252

15560592 + Ally Bank, by and through its servicer, Ally Servicing LLC, c/o Carl A. Eason, Esquire, 200 Bendix Road, Suite 300, Virginia Beach, VA

23452-1396

15523413 + American Express Blue, 20500 Belshaw Ave., Carson, CA 90746-3506

15523414 + Anis Rhanime, 8221 Westwood Mews Court, Vienna, VA 22182-6016

16029942 + Campbell Flannery PC, 1602 Village Market Blvd, Suite 225, Leesburg VA 20175-4716

15523417 + Charles B. Peoples, Esq., Thomas, Thomas,& Hafer, LLP, 1025 Connecticut Ave., NW, Suite 608, Washington, DC 20036-5411

15523418 + Commonwealth of VA, PO Box 27407, Richmond, VA 23261-7407

15533345 + Hanan Khalil, 1025 Connecticut Ave., Ste. 608, Washington, DC 20036-5411

15523420 + Hanan Khalil, 3102 Suffolk Drive, Houston, TX 77027-5717

15523423 + Nehal El Rafaie, 1415 Greenmont Court, Reston, VA 20190-4042

15997729 RoganMillerZimmerman, PLLC, Christopher L. Rogan, Esq., 50 Catoctin Cir, NW, Suite 300, Leesburg, VA 20176

15557056 + SunTrust Bank, now Truist Bank, Glasser and Glasser, P.L.C., Crown Center, Suite 600, 580 E. Main Street, Norfolk, VA 23510-2306

15523426 + Suntrust Bank, PO Box 79232, Baltimore, MD 21279-0232

15523427 Tamer El Bialy, 1929 Jeffersonian Drive, Vienna, VA 22182

15523429 + Wilbur Fuentes, 9011 Centerville Road, Lot 83, Manassas, VA 20110-8442

TOTAL: 20

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

cr + Email/PDF: acg.acg.ebn@aisinfo.com

Feb 10 2024 00:52:52 Ally Bank, c/o AIS Portfolio Services, LP, 4515 N

Santa Fe Ave. Dept. APS, Oklahoma City, OK

73118-7901

15556749 Email/Text: ally@ebn.phinsolutions.com

Feb 10 2024 00:48:00 Ally Bank, PO Box 130424, Roseville MN

55113-0004

15691238 + Email/PDF: acg.acg.ebn@aisinfo.com

Feb 10 2024 00:52:53 Ally Bank, AIS Portfolio Services, LP, 4515 N

Santa Fe Ave. Dept. APS, Oklahoma City, OK

73118-7901

15523412 + Email/Text: ally@ebn.phinsolutions.com

Feb 10 2024 00:48:00 Ally Finan Company, PO Box 380901,

Minneapolis, MN 55438-0901

15539819 Email/PDF: bncnotices@becket-lee.com

Feb 10 2024 00:52:54 American Express National Bank, c/o Becket and

Lee LLP, PO Box 3001, Malvern PA 19355-0701

15523415 Email/Text: creditcardbkcorrespondence@bofa.com

Feb 10 2024 00:48:00 Bank of America, PO Box 15019, Wilmington, DE

19886-0000

15534449 + Email/Text: mortgagebkcorrespondence@bofa.com

Feb 10 2024 00:50:00 Bank of America, N.A., P O Box 982284, El Paso,

TX 79998-2284

15990171 Email/Text: creditcardbkcorrespondence@bofa.com

Case 20-12583-KHK Doc 404 Filed 02/11/24 Entered 02/12/24 00:15:40 Desc

Imaged Certificate of Notice Page 2 of 5
District/off: 0422-9 User: Page 2 of 4

Date Rcvd: Feb 09, 2024 Form ID: VAN016 Total Noticed: 42

Feb 10 2024 00:48:00 Bank of America, N.A., PO Box 673033, Dallas,

TX 75267-3033

15523416 + Email/PDF: Citi.BNC.Correspondence@citi.com

Feb 10 2024 00:52:42 Best Buy, PO Box 790441, Saint Louis, MO

63179-0441

15573633 + Email/Text: va_tax_bk@harriscollect.com

Feb 10 2024 00:50:00 Commonwealth of Virginia, Department of

Taxation, PO BOX 2156, Richmond, VA

23218-2156

15523419 Email/Text: mrdiscen@discover.com

Feb 10 2024 00:49:00 Discover Bank, PO Box 30943, Salt Lake City, UT

84130-0000

15527487 Email/Text: mrdiscen@discover.com

Feb 10 2024 00:49:00 Discover Bank, Discover Products Inc, PO Box

3025, New Albany, OH 43054-3025

15523421 Email/Text: sbse.cio.bnc.mail@irs.gov

Feb 10 2024 00:49:00 Internal Revenue Service, P.O. Box 7346,

Philadelphia, PA 19101-7346

15523424 Email/Text: bnc@nordstrom.com

Feb 10 2024 00:49:42 Nordstrom, PO Box 79139, Phoenix, AZ

85062-9139

15523425 + Email/Text: enotifications@santanderconsumerusa.com

Feb 10 2024 00:50:00 Santander Consumer Finance, PO Box 660633,

Dallas, TX 75266-0633

15550452 + Email/Text: enotifications@santanderconsumerusa.com

Feb 10 2024 00:50:00 Santander Consumer USA Inc., P.O. Box 961245,

Fort Worth, Tx 76161-0244

15523450 + Email/Text: atlreorg@sec.gov

Feb 10 2024 00:50:00 Securities and Exchange Commission, 950 East

Paces Ferry Road NE, Atlanta, GA 30326-1180

15534304 + Email/Text: bankruptcy@bbandt.com

Feb 10 2024 00:50:00 SunTrust Bank now Truist Bank, Attn: Support

Services, PO Box 85092, Richmond, VA

23285-5092

15995606 + Email/Text: ustpregion04.ax.ecf@usdoj.gov

Feb 10 2024 00:50:00 U.S. Trustee, 1725 Duke Street, Suite 650,

Alexandria, VA 22314-3489

15565235 + Email/PDF: ebn_ais@aisinfo.com

Feb 10 2024 00:52:53 Verizon, by American InfoSource as agent, 4515

N Santa Fe Ave, Oklahoma City, OK 73118-7901

15523428 + Email/PDF: ais.wellsfargo.ebn@aisinfo.com

Feb 10 2024 00:53:16 Wells Fargo, PO Box 77033, Minneapolis, MN

55480-7733

15551648 + Email/PDF: ais.wellsfargo.ebn@aisinfo.com

Feb 10 2024 01:06:08 Wells Fargo Bank, N.A., Small Business Lending

Division, P.O. Box 29482 MAC S4101-08C,

Phoenix, AZ 85038-9482

TOTAL: 22

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

aty Nelson Mullins Riley & Scarborough LLP

cr Ally Bank

cr Ally Bank, by and through its servicer Ally Servic

cr Hanan Khalil

sp James P Campbell Flannery PC

cr SunTrust Bank now Truist Bank

cr SunTrust Bank, now Truist Bank

15523410 Adel Kobeish, NEED

15523422 NEED, NEED

intp *+ Anis Rhanime, 8221 Westwood Mews Court, Vienna, VA 22182-6016

15523449 * Internal Revenue Service, P.O. Box 7346, Philadelphia, PA 19101-7346

TOTAL: 9 Undeliverable, 2 Duplicate, 0 Out of date forwarding address

NOTICE CERTIFICATION

Case 20-12583-KHK Doc 404 Filed 02/11/24 Entered 02/12/24 00:15:40 Desc

Imaged Certificate of Notice Page 3 of 5
District/off: 0422-9 User: Page 3 of 4

Date Rcvd: Feb 09, 2024 Form ID: VAN016 Total Noticed: 42

I, Gustava Winters, 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: Feb 11, 2024 Signature: /s/Gustava Winters

CM/ECF NOTICE OF ELECTRONIC FILING

The following persons/entities were sent notice through the court's CM/ECF electronic mail (Email) system on February 9, 2024 at the address(es) listed

below:

Name Email Address

Carl A. Eason

on behalf of Creditor Ally Bank by and through its servicer Ally Servicing LLC bankruptcy@wolriv.com

Charles Benjamin Peoples

on behalf of Creditor Hanan Khalil cpeoples@tthlaw.com 

Charles Benjamin Peoples

on behalf of Trustee H. Jason Gold cpeoples@tthlaw.com 

Charles Benjamin Peoples

on behalf of Plaintiff Hanan Khalil cpeoples@tthlaw.com 

Charles Benjamin Peoples

on behalf of Plaintiff H. Jason Gold cpeoples@tthlaw.com 

Christopher L. Rogan

on behalf of Defendant Mohamed A. El Rafaei crogan@rmzlawfirm.com 

Christopher L. Rogan

on behalf of Attorney RoganMillerZimmerman PLLC crogan@rmzlawfirm.com

Daniel M. Press

on behalf of Defendant Adel S. Kebaish dpress@chung-press.com pressdm@gmail.com

Daniel M. Press

on behalf of Defendant Tysons7787 LLC dpress@chung-press.com pressdm@gmail.com

Daniel M. Press

on behalf of Defendant Tysons LLC dpress@chung-press.com pressdm@gmail.com

Dylan G. Trache

on behalf of Trustee H. Jason Gold Trustee dylan.trache@nelsonmullins.com,

linnea.hann@nelsonmullins.com;alexandria.tracy@nelsonmullins.com;mari.cooper@nelsonmullins.com

Dylan G. Trache

on behalf of Attorney Nelson Mullins Riley & Scarborough LLP dylan.trache@nelsonmullins.com 

linnea.hann@nelsonmullins.com;alexandria.tracy@nelsonmullins.com;mari.cooper@nelsonmullins.com

Gerard R. Vetter

ustpregion04.ax.ecf@usdoj.gov 

H. Jason Gold

goldtrustee@fiduciaryservicesgroup.com VA19@ecfcbis.com;hjg@trustesolutions.net;lgrahl@fsscommerce.com

Jack Frankel

on behalf of Plaintiff Gerard R. Vetter jack.i.frankel@usdoj.gov 

USTPRegion04.ax.ecf@usdoj.gov;paula.f.blades@usdoj.gov;robert.w.ours@usdoj.gov

Jack Frankel

on behalf of U.S. Trustee Gerard R. Vetter jack.i.frankel@usdoj.gov 

USTPRegion04.ax.ecf@usdoj.gov;paula.f.blades@usdoj.gov;robert.w.ours@usdoj.gov

James P. Campbell

on behalf of Special Counsel James P Campbell Flannery PC jcampbell@campbellflannery.com spowell@campbellflannery.com

James P. Campbell

on behalf of Defendant Mohamed A. El Rafaei jcampbell@campbellflannery.com spowell@campbellflannery.com

Case 20-12583-KHK Doc 404 Filed 02/11/24 Entered 02/12/24 00:15:40 Desc

Imaged Certificate of Notice Page 4 of 5
District/off: 0422-9 User: Page 4 of 4

Date Rcvd: Feb 09, 2024 Form ID: VAN016 Total Noticed: 42

Jonathan Baird Vivona

on behalf of Unknown Vikrant Bhatia jvivona@vpbklaw.com notices@vpbklaw.com

Justin Fasano

on behalf of Defendant Anis Rhanime jfasano@mhlawyers.com 

jfasanoecf@gmail.com;jfasano@ecf.courtdrive.com;sshin@mhlawyers.com;dmoorehead@mhlawyers.com

Justin Fasano

on behalf of Interested Party Anis Rhanime jfasano@mhlawyers.com 

jfasanoecf@gmail.com;jfasano@ecf.courtdrive.com;sshin@mhlawyers.com;dmoorehead@mhlawyers.com

Kevin M. O'Donnell

on behalf of Defendant Said Shehata kmo@henrylaw.com mbp@henrylaw.com;odonnell.kevinb@notify.bestcase.com

Lacey Ullman Conn

on behalf of Creditor Charles B. Peoples lconn@tthlaw.com 

Lacey Ullman Conn

on behalf of Plaintiff Hanan Khalil lconn@tthlaw.com 

Lacey Ullman Conn

on behalf of Creditor Hanan Khalil lconn@tthlaw.com 

Michael T. Freeman

on behalf of U.S. Trustee Gerard R. Vetter michael.t.freeman@usdoj.gov robert.w.ours@usdoj.gov

Robert Sergio Brandt

on behalf of Defendant Omnia Moustafa brandt@brandtlawfirm.com 

G36549@notify.cincompass.com;lgray@brandtlawfirm.com

Robert Sergio Brandt

on behalf of Defendant Mohamed A. El Rafaei brandt@brandtlawfirm.com 

G36549@notify.cincompass.com;lgray@brandtlawfirm.com

Robert Sergio Brandt

on behalf of Debtor Mohamed A. El Rafaei brandt@brandtlawfirm.com 

G36549@notify.cincompass.com;lgray@brandtlawfirm.com

Robert Sergio Brandt

on behalf of Defendant Retro Hub LLC brandt@brandtlawfirm.com G36549@notify.cincompass.com;lgray@brandtlawfirm.com

Robyn Danielle Pepin

on behalf of Creditor SunTrust Bank now Truist Bank rpepin@glasserlaw.com, pjmecf@glasserlaw.com

Sara A. John

on behalf of Creditor SunTrust Bank now Truist Bank sara_john@eppspc.com 

Sara A. John

on behalf of Creditor Ally Bank sara_john@eppspc.com 

Stephen A. Metz

on behalf of Creditor Hanan Khalil smetz@offitkurman.com mmargulies@offitkurman.com

Stephen A. Metz

on behalf of Plaintiff Hanan Khalil smetz@offitkurman.com mmargulies@offitkurman.com

Warren Robert Stein

on behalf of Defendant Design 2 Build LLC Wrsteinesq@aol.com, lcodysmith@verizon.net

TOTAL: 36

Case 20-12583-KHK Doc 404 Filed 02/11/24 Entered 02/12/24 00:15:40 Desc

Imaged Certificate of Notice Page 5 of 5