Information to identify the case:

Debtor 1 Melissa G Krumbein

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−5151

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: 20−12128−BFK

Discharge of Debtor 12/15

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

Melissa G Krumbein

February 1, 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 20-12128-BFK Doc 38 Filed 02/03/21 Entered 02/04/21 00:27:08 Desc Imaged

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

Eastern District of Virginia

In re: Case No. 20-12128-BFK

Melissa G Krumbein Chapter 7

Debtor

CERTIFICATE OF NOTICE

District/off: 0422-9 User: chandlerk Page 1 of 3

Date Rcvd: Feb 01, 2021 Form ID: 318 Total Noticed: 35

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 03, 2021:

Recip ID Recipient Name and Address

db Melissa G Krumbein, 450 N Washington St Apt 312, Falls Church, VA 22046-3454

15470830 C&F Bank, PO Box 790408, Saint Louis, MO 63179-0408

15470831 C&F Bank, Po Box 6335, Fargo, ND 58125-6335

15470834 + CBE/Dominion Energy VA, PO Box 2547, Waterloo, IA 50704-2547

15470833 + Capital One, PO Box 21887, Saint Paul, MN 55121-0887

15470836 + Client Services/Chase Bank, 3451 Harry S Truman, St Charles, MO 63301-4047

15470837 Cody T Murphey Esq, Eckert Seamans, 919 E Main St Ste 1300, Richmond, VA 23219-4624

15470838 County of Henrico Waterr, Po Box 90775, Henrico, VA 23228-9775

15470840 E Duffy Myrtetus Esq, Eckert Seamans, 919 E Main St Ste 1300, Richmond, VA 23219-4624

15470842 Henrico GDC, Attn Civil, 4301 E Parham Rd, Henrico, VA 23228-2745

15470845 + L.L. Bean Mastercard/CBNA, PO Box 6497, Sioux Falls, SD 57117-6497

15470846 + Liberty Mutual, 175 Berkeley St, Boston, MA 02116-3350

15470850 + MRS BPO LLC, 1930 Olney Ave., Cherry Hill, NJ 08003-2016

15470849 + Midland Credit Management, 320 E. BIG BEAVER RD. STE 300, Troy, MI 48083-1271

15470851 Old Towne Retail Investments, LLC, 1545 Faraday Ave, Carlsbad, CA 92008-7449

15470854 + Target/TD Bank, 7000 Target Pkwy N, Mail Stop NCD-0450, Minneapolis, MN 55445-4301

15470855 Towne Insurance Agency, 301 Bendix Rd Ste 300, Virginia Bch, VA 23452-1385

15470856 + United Collection Bureau, 5620 Southwyck Blvd 206, Toledo, OH 43614-1501

TOTAL: 18

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 + EDI: AISACG.COM

Feb 02 2021 08:58:00 BMW Bank of North America, c/o AIS Portfolio

Servi, 4515 N Santa Fe Ave. Dept. APS,

Oklahoma City, OK 73118-7901

15470826 EDI: URSI.COM

Feb 02 2021 08:58:00 Altran Financial, Box 722929, Houston, TX

77272-2929

15476257 + EDI: AISACG.COM

Feb 02 2021 08:58:00 BMW Bank of North America, AIS Portfolio

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

Oklahoma City, OK 73118-7901

15470829 EDI: BMW.COM

Feb 02 2021 08:58:00 BMW Financial Services, PO Box 3608, Dublin,

OH 43016

15470827 + EDI: TSYS2.COM

Feb 02 2021 08:58:00 Barclays Bank Delaware, PO Box 8803,

Wilmington, DE 19899-8803

15470828 + EDI: CITICORP.COM

Feb 02 2021 08:58:00 Best Buy/CBNA, PO Box 6217, Sioux Falls, SD

57117-6217

15470832 + EDI: CAPITALONE.COM

Feb 02 2021 08:58:00 Capital One, PO Box 30285, Salt Lake City, UT

84130-0285

15470835 + EDI: CITICORP.COM

Feb 02 2021 08:58:00 Citicards CBNA, POB 6241, Sioux Falls, SD

57117-6241

15470839 Email/Text: DEbankruptcy@domenergy.com

Feb 02 2021 08:06:00 Dominion Energy Virginia, PO Box 26543,

Richmond, VA 23290

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Certificate of Notice Page 3 of 5
District/off: 0422-9 User: chandlerk Page 2 of 3

Date Rcvd: Feb 01, 2021 Form ID: 318 Total Noticed: 35

15470841 + EDI: USBANKARS.COM

Feb 02 2021 08:58:00 Elan Financial Svcs, PO BOX 790084, Saint

Louis, MO 63179-0084

15470843 EDI: JPMORGANCHASE

Feb 02 2021 08:58:00 JPMBC, PO BOX 15298, Wilmington, DE 19850

15470844 + Email/Text: PBNCNotifications@peritusservices.com

Feb 02 2021 08:06:00 Kohls Department Stores, PO Box 3115,

Milwaukee, WI 53201-3115

15470847 Email/Text: bknotices@mbandw.com

Feb 02 2021 08:08:00 McCarthy Burgess & Wolff, 26000 Cannon Rd,

Cleveland, OH 44146-1807

15470848 + Email/PDF: MerrickBKNotifications@Resurgent.com

Feb 02 2021 07:49:25 Merrick Bank, PO Box 9201, Old Bethpage, NY

11804-9001

15470852 Email/Text: goalrealignment@payoff.zendesk.com

Feb 02 2021 08:05:00 Payoff Inc, 3200 Park Center Dr, Costa Mesa, CA

92626-7163

15470853 + Email/PDF: clerical@simmassociates.com

Feb 02 2021 07:49:31 SIMM Associates Inc., 800 Pencader Drive,

Newark, DE 19702-3354

15470857 EDI: VERIZONCOMB.COM

Feb 02 2021 08:58:00 Verizon Virginia, Inc., 500 Technology Dr # 500,

Weldon Spring, MO 63304-2225

TOTAL: 17

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 Old Towne Retail Investments, LLC

TOTAL: 1 Undeliverable, 0 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: Feb 03, 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 February 1, 2021 at the address(es) listed

below:

Name Email Address

Christopher L. Perkins

on behalf of Creditor Old Towne Retail Investments LLC cperkins@eckertseamans.com

H. Jason Gold

jason.gold@nelsonmullins.com 

VA19@ecfcbis.com;jgold@ecf.epiqsystems.com;hjg@trustesolutions.net;robert.ours@nelsonmullins.com;alex.reilly@nelsonmull

ins.com

John P. Fitzgerald, III

ustpregion04.ax.ecf@usdoj.gov 

Kristen S. Eustis

on behalf of U.S. Trustee John P. Fitzgerald III Kristen.S.Eustis@usdoj.gov

Case 20-12128-BFK Doc 38 Filed 02/03/21 Entered 02/04/21 00:27:08 Desc Imaged

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

Date Rcvd: Feb 01, 2021 Form ID: 318 Total Noticed: 35

Robert R. Weed

on behalf of Debtor Melissa G Krumbein robertweedlaw@yahoo.com 

atty_robertweedcases@trustesolutions.com;Rvnotices@gmail.com;robertweedcases@gmail.com;LawOfficesOfRobertWeed@jubi

leebk.net

TOTAL: 5

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Certificate of Notice Page 5 of 5