Information to identify the case:

Debtor 1 Raul A Hoare

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−5744

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing) First Name Middle Name Last Name

Social Security number or ITIN _ _ _ _

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Northern District of Illinois

Case number: 16−25461

Order of Discharge 12/15

IT IS ORDERED: A discharge under 11 U.S.C. § 1328(a) is granted to:

Raul A Hoare

aka Roux Hoare, dba Roux Construction

If the trustee has filed and served a notice pursuant to Bankruptcy Rule 3002.1(f), and no statement is timely filed by

the mortgagee in response, the mortgage addressed by the notice is deemed to be fully current as of the date of the

notice.

June 7, 2017 For the court: Jeffrey P. Allsteadt, Clerk

United States Bankruptcy Court

Explanation of Bankruptcy Discharge in a Chapter 13 Case

This order does not close or dismiss the case.

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.

This order does not prevent debtors from paying

any debt voluntarily. 11 U.S.C. § 524(f).

Most debts are discharged

Most debts are covered by the discharge, but not all.

Generally, a discharge removes the debtors' personal

liability for debts provided for by the chapter 13 plan.

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.

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 certain types of taxes specified in 11

U.S.C. §§ 507(a)(8)( C), 523(a)(1)(B), or

523(a)(1)(C) to the extent not paid in full under

the plan;

♦ 

For more information, see page 2

Form 3180W Chapter 13 Discharge page 1

Case 16-25461 Doc 40 Filed 06/07/17 Entered 06/09/17 23:30:02 Desc Imaged

 Certificate of Notice Page 1 of 4
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 provided for under 11 U.S.C. §

1322(b)(5) and on which the last payment

or other transfer is due after the date on

which the final payment under the plan

was due;

♦ 

debts for certain consumer purchases

made after the bankruptcy case was filed if

obtaining the trustee's prior approval of

incurring the debt was practicable but was

not obtained;

♦ 

debts for restitution, or damages,

awarded in a civil action against the

debtor as a result of malicious or willful

injury by the debtor that caused

personal injury to an individual or the

death of an individual; and

♦ 

debts for death or personal injury

caused by operating a vehicle while

intoxicated.

♦ 

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 a chapter 13 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.

Form 3180W Chapter 13 Discharge page 2

Case 16-25461 Doc 40 Filed 06/07/17 Entered 06/09/17 23:30:02 Desc Imaged

 Certificate of Notice Page 2 of 4
 United States Bankruptcy Court

 Northern District of Illinois

In re: Case No. 16-25461-JPC

Raul A Hoare Chapter 13

 Debtor CERTIFICATE OF NOTICE

District/off: 0752-1 User: ccabrales Page 1 of 2 Date Rcvd: Jun 07, 2017

 Form ID: 3180W Total Noticed: 19

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

Jun 09, 2017.

db +Raul A Hoare, 3230 W. Olive Ave., Chicago, IL 60659-3612

24867378 Bank of America, N.A., c/o Manley, Deas & Kochalski, LLC, P.O. Box 165028,

 Columbus, Ohio 43216-5028

24789652 +Capital One Auto Finance, Attn: Bankruptcy Dept, Po Box 30258,

 Salt Lake City, UT 84130-0258

24789653 +Citibank, Citicorp Cr Srvs/Centralized Bankruptcy, Po Box 790040, S Louis, MO 63179-0040

24789655 +Equifax Information Services, LLC, Po Box 740241, Atlanta, GA 30374-0241

24789654 Equifax Information Services, LLC, 1550 Peachtree St. NW, Atlanta, GA 30309

24789657 +Experian Information Solutions, Inc., Po Box 4500, Allen, TX 75013-1311

24789656 +Experian Information Solutions, Inc., 475 Anton Blvd., Costa Mesa, CA 92626-7037

24789658 +Eyes of Grace, 9669 N. Kenton Ave., Suite 409, Skokie, IL 60076-1267

24789659 +Johnson Blumberg & Associates, LLC, 230 W. Monroe St., Suite 1125, Chicago, IL 60606-4723

24789660 +NorthShore University HealthSystem, Po Box 1006, Suite 330, Skokie, IL 60076-8006

24789661 ++PINNACLE MANAGEMENT SERVICES, 830 ROUNDABOUT, SUITE B, WEST DUNDEE IL 60118-2116

 (address filed with court: Pinnacle Management Services, 830 Roundabout, Suite B,

 Dundee, IL 60118)

24789662 +Seterus Inc, 14523 SW Millikan Way St., Beaverton, OR 97005-2352

24789663 +TransUnion LLC, PO Box 2000, Chester, PA 19022-2000

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

24789651 +EDI: BANKAMER.COM Jun 08 2017 00:04:00 Bank of America, Nc4-105-03-14, Po Box 26012,

 Greensboro, NC 27420-6012

25097515 EDI: BANKAMER.COM Jun 08 2017 00:04:00 Bank of America, N.A., PO Box 31785,

 Tampa, FL 33631-3785

24806051 +EDI: AISACG.COM Jun 08 2017 00:03:00 Capital One Auto Finance,

 c/o Ascension Capital Group, P.O. Box 201347, Arlington, TX 76006-1347

24801091 +EDI: AISACG.COM Jun 08 2017 00:03:00 Capital One Auto Finance, a division of Capital On,

 P.O. Box 201347, Arlington, TX 76006-1347

25093396 EDI: RESURGENT.COM Jun 08 2017 00:04:00 LVNV Funding, LLC its successors and assigns as,

 assignee of Citibank, N.A., Resurgent Capital Services, PO Box 10587,

 Greenville, SC 29603-0587

 TOTAL: 5

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

25572843* Bank of America, N.A., POB 31785, Tampa FL 33631-3785

 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: Jun 09, 2017 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 June 7, 2017 at the address(es) listed below:

 Joseph S Davidson on behalf of Debtor 1 Raul A Hoare jdavidson@sulaimanlaw.com, 

 courtinfo@sulaimanlaw.com;bkycourtinfo@gmail.com;ecfnotice@sulaimanlaw.com;sulaiman.igotnotices@g

 mail.com;bkecf_sulaiman@bkexpress.info;r46351@notify.bestcase.com

 Josephine J Miceli on behalf of Creditor Federal National Mortgage Association (Fannie Mae), 

 a corporation organized and existing under the laws of the United States of America 

 Jo@johnsonblumberg.com

 Orlando Velazquez on behalf of Debtor 1 Raul A Hoare ovjd@yahoo.com, 

 mbadwan@sulaimanlaw.com;courtinfo@sulaimanlaw.com;bkycourtinfo@gmail.com;ecfnotice@sulaimanlaw.co

 m;sulaiman.igotnotices@gmail.com;bkecf_sulaiman@bkexpress.info;r46351@notify.bestcase.com

 Patrick S Layng USTPRegion11.ES.ECF@usdoj.gov

Case 16-25461 Doc 40 Filed 06/07/17 Entered 06/09/17 23:30:02 Desc Imaged

 Certificate of Notice Page 3 of 4
District/off: 0752-1 User: ccabrales Page 2 of 2 Date Rcvd: Jun 07, 2017

 Form ID: 3180W Total Noticed: 19

The following persons/entities were sent notice through the court’s CM/ECF electronic mail (Email)

system (continued)

 Roderic Fleming on behalf of Creditor BANK OF AMERICA, N.A. rfleming@mlg-defaultlaw.com

 Sarah E Barngrover on behalf of Creditor BANK OF AMERICA, N.A. amps@manleydeas.com

 Todd J Ruchman on behalf of Creditor BANK OF AMERICA, N.A. amps@manleydeas.com

 Tom Vaughn ecf@tvch13.net, ecfchi@gmail.com

 TOTAL: 8

Case 16-25461 Doc 40 Filed 06/07/17 Entered 06/09/17 23:30:02 Desc Imaged

 Certificate of Notice Page 4 of 4