United States Bankruptcy Court

Southern District of Florida

In re: Case No. 21-18868-SMG

Johana Sanchez Chapter 7

Debtor

CERTIFICATE OF NOTICE

District/off: 113C-0 User: admin Page 1 of 2

Date Rcvd: Dec 27, 2021 Form ID: 318 Total Noticed: 10

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 Dec 29, 2021:

Recip ID Recipient Name and Address

db + Johana Sanchez, 1394 NW 192nd Lane, Pembroke Pines, FL 33029-4521

96336418 + Geico, ONE GEICO PLAZA, Washington, DC 20076-0005

96336419 + Geico General Insurance Company, 5260 WESTERN AVENUE, Chevy Chase, MD 20815-3799

96336420 + Hiday & Ricke, P.A, Box 550858, Jacksonville, FL 32255-0858

TOTAL: 4

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

smg + Email/Text: swulfekuhle@broward.org

Dec 28 2021 00:35:00 Broward County Tax Collector, 115 S Andrews

Ave, Ft Lauderdale, FL 33301-1818

smg EDI: FLDEPREV.COM

Dec 28 2021 05:38:00 Florida Department of Revenue, POB 6668,

Tallahassee, FL 32314-6668

ust + Email/Text: USTPRegion21.MM.ECF@usdoj.gov

Dec 28 2021 00:36:00 Office of the US Trustee, 51 S.W. 1st Ave., Suite

1204, Miami, FL 33130-1614

96336415 + EDI: CAPITALONE.COM

Dec 28 2021 05:38:00 Capital One Bank Usa N, Po Box 31293, Salt Lake

City, UT 84131-0293

96336416 + EDI: WFNNB.COM

Dec 28 2021 05:38:00 Comenitybank/victoria, Po Box 182789,

Columbus, OH 43218-2789

96336417 + EDI: WFNNB.COM

Dec 28 2021 05:38:00 Comenitycapital/sephor, Po Box 182120,

Columbus, OH 43218-2120

TOTAL: 6

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preferred address, or ## out of date forwarding orders with USPS.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

smg * Florida Department of Revenue, POB 6668, Tallahassee, FL 32314-6668

TOTAL: 0 Undeliverable, 1 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.

Case 21-18868-SMG Doc 18 Filed 12/29/21 Page 1 of 4
District/off: 113C-0 User: admin Page 2 of 2

Date Rcvd: Dec 27, 2021 Form ID: 318 Total Noticed: 10

Date: Dec 29, 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 December 27, 2021 at the address(es) listed

below:

Name Email Address

Office of the US Trustee

USTPRegion21.MM.ECF@usdoj.gov 

Ricardo Corona, Esq.

on behalf of Debtor Johana Sanchez bk@coronapa.com rcorona@coronapa.com

Sonya Salkin Slott

sonya@msbankrupt.com 

FL41@ecfcbis.com;sls1@trustesolutions.net;mark@msbankrupt.com;Kristen@msbankrupt.com;sls@msbankrupt.com;trusteesalk

in@msbankrupt.com;Zachary@msbankrupt.com

TOTAL: 3

Case 21-18868-SMG Doc 18 Filed 12/29/21 Page 2 of 4
Information to identify the case:

Debtor 1 Johana Sanchez

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−1437

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: 21−18868−SMG

Order of Discharge 12/15

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

Johana Sanchez

December 27, 2021

By the court:

Scott M Grossman

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 (03/03/21) page 1

Case 21-18868-SMG Doc 18 Filed 12/29/21 Page 3 of 4
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 page 2

Case 21-18868-SMG Doc 18 Filed 12/29/21 Page 4 of 4