United States Bankruptcy Court

 Southern District of Florida

In re: Case No. 19-21415-AJC

Jesus Cruz Chapter 7

 Debtor CERTIFICATE OF NOTICE

District/off: 113C-1 User: admin Page 1 of 1 Date Rcvd: Dec 06, 2019

 Form ID: 318 Total Noticed: 21

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

Dec 08, 2019.

db +Jesus Cruz, 742 E. 20 Street, Hialeah, FL 33013-4142

95280904 +Bailey Banks, PO Box 6497, Sioux Falls, SD 57117-6497

95280919 +Zwicker & Associates c/o Discover Bank, 700 W. Hillsboro Blvd., Bld. 2, #201,

 Deerfield Beach, FL 33441-1612

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

tr +EDI: FMMYIP Dec 07 2019 06:23:00 Maria Yip, 2 S. Biscayne Blvd #2690,

 Miami, FL 33131-1815

smg EDI: FLDEPREV.COM Dec 07 2019 06:23:00 Florida Department of Revenue, POB 6668,

 Tallahassee, FL 32314-6668

ust +E-mail/Text: USTPRegion21.MM.ECF@usdoj.gov Dec 07 2019 01:48:58 Office of the US Trustee,

 51 S.W. 1st Ave., Suite 1204, Miami, FL 33130-1614

cr +EDI: RMSC.COM Dec 07 2019 06:24:00 Synchrony Bank, PRA Receivables Management, LLC,

 PO Box 41021, Norfolk, VA 23541-1021

95280905 +EDI: TSYS2.COM Dec 07 2019 06:23:00 Barclay’s Bank of Delaware, 125 S. West Street,

 WIlmington, DE 19801-5014

95280906 EDI: CAPITALONE.COM Dec 07 2019 06:23:00 Capital One Bank USA, 15000 Capital One Dr,

 Richmond, VA 23238

95280907 +EDI: CHASE.COM Dec 07 2019 06:23:00 Chase Card, POB 15298, Wilmington, DE 19850-5298

95280908 EDI: DISCOVER.COM Dec 07 2019 06:23:00 Discover Financial Services, P.O Box 15316,

 Wilmington, DE 19850

95280909 +EDI: GMACFS.COM Dec 07 2019 06:23:00 GMAC Automotive Bank, 2000 Town Ctr. #2200,

 Southfield, MI 48075-1157

95280910 +EDI: TSYS2.COM Dec 07 2019 06:23:00 MACYS/DSNB, 9111 Duke Blvd., Mason, OH 45040-8999

95280911 +EDI: PRA.COM Dec 07 2019 06:23:00 Portfolio Recovery Affil, 120 Corporate Blvd., Ste. 1,

 Norfolk, VA 23502-4952

95280912 E-mail/Text: newbk@Regions.com Dec 07 2019 01:49:14 Regions, PO Box 2224,

 Birmingham, AL 35246-0009

95280914 +EDI: RMSC.COM Dec 07 2019 06:24:00 SYNCB/GAP, POB 965005, Orlando, FL 32896-5005

95280913 +E-mail/Text: atlanta.bnc@ssa.gov Dec 07 2019 01:49:28 Social Security Administration,

 PO Box 3430, Philadelphia, PA 19122-0430

95280915 +EDI: RMSC.COM Dec 07 2019 06:24:00 Syncb/Home Design Nahf, 950 Forrer Blvd,

 Kettering, OH 45420-1469

95280916 EDI: RMSC.COM Dec 07 2019 06:24:00 Syncb/jcp, POB 984100, El Paso, TX 79998

95280917 +EDI: RMSC.COM Dec 07 2019 06:24:00 Synchrony Bank, P.O. BOX 960061,

 Orlando, FL 32896-0061

95280918 E-mail/Text: vci.bkcy@vwcredit.com Dec 07 2019 01:49:12 VW Credit, Inc, PO BOX 7572,

 Libertyville, IL 60048-7572

 TOTAL: 18

 ***** 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: Dec 08, 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 6, 2019 at the address(es) listed below:

 Maria Yip trustee@yipcpa.com, mmy@trustesolutions.net

 Office of the US Trustee USTPRegion21.MM.ECF@usdoj.gov

 Richard J. Adams on behalf of Debtor Jesus Cruz radamsbkc@bellsouth.net

 TOTAL: 3

Case 19-21415-AJC Doc 13 Filed 12/08/19 Page 1 of 3
Information to identify the case:

Debtor 1 Jesus Cruz

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−9923

EIN _ _−_ _ _ _ _ _ _

Debtor 2

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

Social Security number or ITIN _ _ _ _

EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Southern District of Florida

Case number: 19−21415−AJC

Order of Discharge 12/15

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

Jesus Cruz

aka Jesus Gonzalez, aka Cruz Jesus

December 6, 2019

By the court:

A. Jay Cristol

United States Bankruptcy Judge

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 >

Form 318 (10/01/16) Order of Discharge page 1

Case 19-21415-AJC Doc 13 Filed 12/08/19 Page 2 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 Order of Discharge page 2

Case 19-21415-AJC Doc 13 Filed 12/08/19 Page 3 of 3