Information to identify the case:

Debtor 1 Patricia Denice Boley Brown

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−9227

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 Date case filed for chapter 7 12/20/19

Case number: 19−36611−KLP

Official Form 309A (For Individuals or Joint Debtors)

Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline 12/15

For the debtors listed above, a case has been filed under chapter 7 of the Bankruptcy Code. An order for relief has

been entered.

This notice has important information about the case for creditors, debtors, and trustees, including information about

the meeting of creditors and deadlines. Read all pages carefully.

The filing of the case imposed an automatic stay against most collection activities. This means that creditors generally may not

take action to collect debts from the debtors or the debtors' property. For example, while the stay is in effect, creditors cannot

sue, garnish wages, assert a deficiency, repossess property, or otherwise try to collect from the debtors. Creditors cannot

demand repayment from debtors by mail, phone, or otherwise. Creditors who violate the stay can be required to pay actual and

punitive damages and attorney's fees. Under certain circumstances, the stay may be limited to 30 days or not exist at all,

although debtors can ask the court to extend or impose a stay.

The debtors are seeking a discharge. Creditors who assert that the debtors are not entitled to a discharge of any debts or who

want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk's office within

the deadlines specified in this notice. (See line 9 for more information.)

To protect your rights, consult an attorney. All documents filed in the case may be inspected at the bankruptcy clerk's office at

the address listed below or through PACER (Public Access to Court Electronic Records at www.pacer.gov).

The staff of the bankruptcy clerk's office cannot give legal advice.

To help creditors correctly identify debtors, debtors submit full Social Security or Individual Taxpayer Identification

Numbers, which may appear on a version of this notice. However, the full numbers must not appear on any document

filed with the court.

Do not file this notice with any proof of claim or other filing in the case. Do not include more than the last four digits of

a Social Security or Individual Taxpayer Identification Number in any document, including attachments, that you file

with the court.

About Debtor 1: About Debtor 2:

1. Debtor's full name Patricia Denice Boley Brown

2. All other names used in the

last 8 years

3. Address 8266 Reagan Drive

King George, VA 22485

4. Debtor's attorney

Name and address

Walter Ragland [R&R]

Ragland & Ragland PLC

4107 Plank Road

Suite B

Fredericksburg, VA 22407

Contact phone (540)404−5000

Email: RaglandWL@aol.com

5. Bankruptcy trustee

Name and address

Bruce E. Robinson

P.O. Box 538

South Hill, VA 23970−0538

Contact phone (434) 447−7922

Email: bruce.robinsontr@gmail.com

For more information, see page 2 >

Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 1

Case 19-36611-KLP Doc 6 Filed 12/25/19 Entered 12/26/19 00:28:49 Desc Imaged

Certificate of Notice Page 1 of 5
Debtor Patricia Denice Boley Brown Case number 19−36611−KLP

6. Bankruptcy clerk's office

Documents in this case may be

filed at this address. You may

inspect all records filed in this case

at this office or online at

www.pacer.gov.

McVCIS 24−hour case

information:

Toll Free 1−866−222−8029

701 East Broad Street

Richmond, VA 23219

Hours open Monday − Friday, 9:00 AM − 4:00 PM

ET, except on holidays.

Contact phone 804−916−2400

For the Court:

Clerk of the Bankruptcy Court:

William C. Redden

Date: December 23, 2019

7. Meeting of creditors

Debtors must attend the meeting to be

questioned under oath. In a joint case,

both spouses must attend. Creditors may

attend, but are not required to do so.

January 28, 2020 at 10:00 AM

The meeting may be continued or adjourned to a

later date. If so, the date will be on the court

docket.

Location:

Office of the U.S. Trustee, 701

East Broad Street − Suite 4300,

Richmond, VA 23219−1885

8. Presumption of abuse

If the presumption of abuse arises, you

may have the right to file a motion to

dismiss the case under 11 U.S.C. §

707(b). Debtors may rebut the

presumption by showing special

circumstances.

The presumption of abuse does not arise.

9. Deadlines

The bankruptcy clerk's office must receive

these documents and any required filing

fee by the following deadlines.

File by the deadline to object to discharge or

to challenge whether certain debts are

dischargeable:

You must file a complaint:

• if you assert that the debtor is not entitled to

 receive a discharge of any debts under any of

 the subdivisions of 11 U.S.C. § 727(a)(2)

 through (7),

 or

• if you want to have a debt excepted from

 dischargeunder 11 U.S.C § 523(a)(2),

 (4), or (6).

You must file a motion:

• if you assert that the discharge should be

 denied under § 727(a)(8) or (9).

Filing deadline: March 30, 2020

Deadline to object to exemptions:

The law permits debtors to keep certain property

as exempt. If you believe that the law does not

authorize an exemption claimed, you may file an

objection.

Filing deadline: 30 days after the

conclusion of the meeting of

creditors

10. Proof of claim

Please do not file a proof of claim unless

you receive a notice to do so.

No property appears to be available to pay creditors. Therefore, please do not file a

proof of claim now. If it later appears that assets are available to pay creditors, the clerk

will send you another notice telling you that you may file a proof of claim and stating the

deadline.

11. Creditors with a foreign address If you are a creditor receiving a notice mailed to a foreign address, you may file a motion

asking the court to extend the deadlines in this notice. Consult an attorney familiar with

United States bankruptcy law if you have any questions about your rights in this case.

For more information, see page 3 >

Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 2

Case 19-36611-KLP Doc 6 Filed 12/25/19 Entered 12/26/19 00:28:49 Desc Imaged

Certificate of Notice Page 2 of 5
Debtor Patricia Denice Boley Brown Case number 19−36611−KLP

12. Exempt property The law allows debtors to keep certain property as exempt. Fully exempt property will not be

sold and distributed to creditors. Debtors must file a list of property claimed as exempt. You

may inspect that list at the bankruptcy clerk's office or online at www.pacer.gov. If you believe

that the law does not authorize an exemption that the debtors claim, you may file an objection.

The bankruptcy clerk's office must receive the objection by the deadline to object to

exemptions in line 9.

13. Local Rule Dismissal

Warning

Case may be dismissed for failure to timely file lists, schedules and statements, or to attend

meeting of creditors. (Local Bankruptcy Rules 1007−1, 1007−3, and 2003−1.) Trustee may at

the meeting give notice of intention to abandon property burdensome or of inconsequential

value or intent to sell nonexempt property that has an aggregate gross value less than

$2,500. Objections thereto must be filed pursuant to Local Bankruptcy Rules 6004−2 and

6007−1.

14. Payment of Fees for

Richmond Case and

Adversary Filing and

Miscellaneous Requests

Exact Change Only accepted as of February 4, 2008, for payment of fees and services.

Payment may be made by non−debtor's check, money order, cashier's check or a 'not to

exceed check' made payable to Clerk, U.S. Bankruptcy Court, or any authorized non−debtor's

credit card.

Electronic bankruptcy notices are delivered faster than the U.S. Mail if you have a PC with Internet connection or a Fax machine.

For more information, go to bankruptcynotices.uscourts.gov or call, toll free: 877−837−3424. Case/docket information available

on Internet @ www.vaeb.uscourts.gov

ATTENTION DEBTORS: Receive your court notices and orders by email through the DeBN. Same−day delivery. Convenient

Access. Free. For more information and to download the request form, go to www.vaeb.uscourts.gov and select the Debtor

Electronic Bankruptcy Noticing link from the ATTENTION DEBTORS DeBN banner.

Official Form 309A (For Individuals or Joint Debtors) Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline page 3

Case 19-36611-KLP Doc 6 Filed 12/25/19 Entered 12/26/19 00:28:49 Desc Imaged

Certificate of Notice Page 3 of 5
 United States Bankruptcy Court

 Eastern District of Virginia

In re: Case No. 19-36611-KLP

Patricia Denice Boley Brown Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 0422-7 User: brayl Page 1 of 2 Date Rcvd: Dec 23, 2019

 Form ID: 309A Total Noticed: 54

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

Dec 25, 2019.

db +Patricia Denice Boley Brown, 8266 Reagan Drive, King George, VA 22485-7156

15185700 AES, Payment Center, Harrisburg, PA 17130-0001

15185701 +Billy Brown, 8266 Reagan Drive, King George, VA 22485-7156

15185704 Chase Receivables, 755 Baywood Drive, Suite 208, Petaluma, CA 94954-5508

15185705 +Citizens Bank, 1 Citizens Dr, Riverside, RI 02915-3000

15185714 +Deptartment Store National Bank/Macy’s, Attn: Bankruptcy, 9111 Duke Boulevard,

 Mason, OH 45040-8999

15185717 +FedLoan Servicing, Attn: Bankruptcy, Po Box 69184, Harrisburg, PA 17106-9184

15185718 +Great Eastern Resort Corp, PO Box 78843, Phoenix, AZ 85062-8843

15185724 Mercantile Adjustment Bureau, 165 Lawrence Ball Dr. Ste 100, Buffalo, NY 14221-7900

15185726 +Midnight Velvet/ Wards, Attn: Bankruptcy, 1112 7th Avenue, Monroe, WI 53566-1364

15185735 +NES, 2479 Edison Blvd., Unit A, Twinsburg, OH 44087-2476

15185734 +Nelville Ridgley, III, PO Box 62999, Virginia Beach, VA 23466-2999

15185737 +Northland Group Inc., PO Box 390846, Minneapolis, MN 55439-0846

15185738 +Performant Recovery, Inc., PO Box 9048, Pleasanton, CA 94566-9000

15185739 +Peroutka,Miller,Kilma & Peters, 8028 Richie Highway, Suite 300, Pasadena, MD 21122-1360

15185740 +Peter Heindel, 6802 Paragon Place Suite 410, Richmond, VA 23230-1655

15187669 ++ROBERT P MCINTOSH, U S ATTORNEY S OFFICE, EASTERN DISTRICT OF VIRGINIA,

 919 E MAIN ST SUITE 1900, RICHMOND VA 23219-4625

 (address filed with court: U. S. Attorney, 600 East Main Street, Suite 1800,

 Richmond, VA 23219)

15185746 +Spiro & Browne PLC, 6802 Paragon Place, Suite 410, Richmond, VA 23230-1655

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

aty E-mail/Text: RaglandWL@aol.com Dec 24 2019 08:28:32 Walter Ragland [R&R],

 Ragland & Ragland PLC, 4107 Plank Road, Suite B, Fredericksburg, VA 22407

tr E-mail/Text: brobinson@iq7technology.com Dec 24 2019 08:33:16 Bruce E. Robinson,

 P.O. Box 538, South Hill, VA 23970-0538

15185702 +EDI: CAPITALONE.COM Dec 24 2019 11:03:00 Capital One, PO Box 30285,

 Salt Lake City, UT 84130-0285

15185703 EDI: CAPITALONE.COM Dec 24 2019 11:03:00 Capital One, PO BOX 71083,

 Charlotte, NC 28272-1083

15185706 EDI: WFNNB.COM Dec 24 2019 11:03:00 Comenity Bank/Brylane Home, PO Box 182273,

 Columbus, OH 43218-2273

15185707 +EDI: WFNNB.COM Dec 24 2019 11:03:00 Comenity Bank/Kingsize, Attn: Bankruptcy,

 Po Box 182125, Columbus, OH 43218-2125

15185708 EDI: WFNNB.COM Dec 24 2019 11:03:00 Comenity Bank/Lane Bryant, PO Box 182273,

 Columbus, OH 43218-2273

15185709 +EDI: WFNNB.COM Dec 24 2019 11:03:00 Comenity Bank/Torrid, Attn: Bankruptcy,

 Po Box 182125, Columbus, OH 43218-2125

15185710 EDI: WFNNB.COM Dec 24 2019 11:03:00 Comenity/Ashley Stewart, PO Box 659705,

 San Antonio, TX 78265-9705

15185711 +EDI: WFNNB.COM Dec 24 2019 11:03:00 Comenity/Children’s Place, Attn: Bankruptcy Dept,

 Po Box 182125, Columbus, OH 43218-2125

15185712 +EDI: WFNNB.COM Dec 24 2019 11:03:00 Comenity/New York & Co., PO Box 659728,

 San Antonio, TX 78265-9728

15185713 +E-mail/Text: kthompson@crownasset.com Dec 24 2019 08:32:17 Crown Asset Management LLC,

 3100 Breckenridge Blvd., #725, Duluth, GA 30096-7605

15185715 EDI: DISCOVER.COM Dec 24 2019 11:03:00 Discover Financial, Attn: Bankruptcy Department,

 Po Box 15316, Wilmington, DE 19850-0000

15185716 +EDI: DISCOVERSL.COM Dec 24 2019 11:03:00 Discover Student Loans, Attn: Bankruptcy,

 Po Box 30948, Salt Lake City, UT 84130-0948

15185719 +EDI: IIC9.COM Dec 24 2019 11:03:00 IC System, Inc, Attn: Bankruptcy, Po Box 64378,

 Saint Paul, MN 55164-0378

15185720 EDI: IRS.COM Dec 24 2019 11:03:00 IRS, PO Box 219236, Kansas City, MO 64121-0000

15185721 +E-mail/Text: bncnotices@becket-lee.com Dec 24 2019 08:31:38 Kohl’s/Capital One,

 P.O. Box 3115, Milwaukee, WI 53201-3115

15185722 +E-mail/PDF: resurgentbknotifications@resurgent.com Dec 24 2019 07:53:24 

 LVNV Funding/Resurgent Capital, Attn: Bankruptcy, Po Box 10497,

 Greenville, SC 29603-0497

15185723 EDI: CBSMASON Dec 24 2019 11:03:00 Masseys, PO Box 2822, Monroe, WI 53566-8022

15185725 +EDI: MID8.COM Dec 24 2019 11:03:00 Midland Funding, 2365 Northside Dr Ste 300,

 San Diego, CA 92108-2709

15185727 EDI: CBS7AVE Dec 24 2019 11:03:00 Montgomery Ward, 1112 7th Avenue,

 Monroe, WI 53566-1364

15185728 +EDI: NESF.COM Dec 24 2019 11:03:00 National Ent, 29125 Solon Rd, Solon, OH 44139-3442

15185729 +EDI: NAVIENTFKASMSERV.COM Dec 24 2019 11:03:00 Navient, Attn: Bankruptcy, Po Box 9640,

 Wilkes-Barre, PA 18773-9640

15185730 +EDI: NAVIENTFKASMSERV.COM Dec 24 2019 11:03:00 Navient, Attn: Bankruptcy, Po Box 9640,

 Wiles-Barr, PA 18773-9640

15185732 +EDI: NFCU.COM Dec 24 2019 11:03:00 Navy FCU, Attn: Bankruptcy, Po Box 3000,

 Merrifield, VA 22119-3000

15185731 +EDI: NFCU.COM Dec 24 2019 11:03:00 Navy FCU, Attn: Bankruptcy Dept, Po Box 3000,

 Merrifield, VA 22119-3000

Case 19-36611-KLP Doc 6 Filed 12/25/19 Entered 12/26/19 00:28:49 Desc Imaged

Certificate of Notice Page 4 of 5
District/off: 0422-7 User: brayl Page 2 of 2 Date Rcvd: Dec 23, 2019

 Form ID: 309A Total Noticed: 54

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

(continued)

15185733 +EDI: NFCU.COM Dec 24 2019 11:03:00 Navy Federal Credit Union, PO Box 3000,

 Merrifield, VA 22119-3000

15185741 EDI: PRA.COM Dec 24 2019 11:03:00 Portfolio Recovery, Attn: Bankruptcy,

 120 Corporate Blvd, Norfold, VA 23502-0000

15185742 EDI: PRA.COM Dec 24 2019 11:03:00 Portfolio Recovery Associates, 140 Corporate Blvd,

 Norfolk, VA 23502-0000

15185743 E-mail/Text: colleen.atkinson@rmscollect.com Dec 24 2019 08:33:18 Receivable Management Inc,

 7206 Hull Rd, Ste 211, Richmond, VA 23235-0000

15185744 EDI: CBS7AVE Dec 24 2019 11:03:00 Seventh Avenue, 1112 7th Ave., Monroe, WI 53566-1364

15185745 +E-mail/PDF: clerical@simmassociates.com Dec 24 2019 07:56:14 Simm Associates, Inc.,

 800 Pencader Drive, Newark, DE 19702-3354

15185747 +EDI: RMSC.COM Dec 24 2019 11:03:00 Synchrony Bank/ JC Penneys, Attn: Bankruptcy,

 Po Box 956060, Orlando, FL 32896-0001

15185748 +EDI: RMSC.COM Dec 24 2019 11:03:00 Synchrony Bank/ Old Navy, Attn: Bankruptcy,

 Po Box 965060, Orlando, FL 32896-5060

15185749 EDI: RMSC.COM Dec 24 2019 11:03:00 Synchrony Bank/Gap, PO Box 530942,

 Atlanta, GA 30353-0942

15185750 +EDI: VERIZONCOMB.COM Dec 24 2019 11:03:00 Verizon, PO Box 4830, Trenton, NJ 08650-4830

 TOTAL: 36

 ***** BYPASSED RECIPIENTS (undeliverable, * duplicate) *****

15185736* +NES, 2479 Edison Blvd., Unit A, Twinsburg, OH 44087-2476

 TOTALS: 0, * 1, ## 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.

Addresses marked ’++’ were redirected to the recipient’s preferred mailing address

pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

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: Dec 25, 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 December 21, 2019 at the address(es) listed below:

 Bruce E. Robinson bruce.robinsontr@gmail.com, 

 therese.rogerstra@gmail.com;brobinson@IQ7Technology.com;brobinson@ecf.epiqsystems.com

 John P. Fitzgerald, III USTPRegion04.RH.ECF@usdoj.gov

 Walter Ragland [R&R] on behalf of Debtor Patricia Denice Boley Brown RaglandWL@aol.com, 

 raglandwr41739@notify.bestcase.com;allisone@raglandlegal.com;r41739@notify.bestcase.com;vabklaw@g

 mail.com;bryan.ragland@gmail.com

 TOTAL: 3

Case 19-36611-KLP Doc 6 Filed 12/25/19 Entered 12/26/19 00:28:49 Desc Imaged

Certificate of Notice Page 5 of 5