United States Bankruptcy Court

Southern District of Florida

In re: Case No. 21-13230-EPK

Christi Lee Straub Chapter 7

Debtor

CERTIFICATE OF NOTICE

District/off: 113C-9 User: fleurimon Page 1 of 2

Date Rcvd: Jul 13, 2021 Form ID: 318 Total Noticed: 25

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.

++ Addresses marked '++' were redirected to the recipient's preferred mailing address pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.P.2002(g)(4).

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on Jul 15, 2021:

Recip ID Recipient Name and Address

db + Christi Lee Straub, 6106 Birch Drive, Fort Pierce, FL 34982-7500

96139445 + Ariana Fajardo Orshan, U.S. Attorney's Office, 500 S. Australian Avenue, Ste 400, West Palm Beach, FL 33401-6209

96139446 + Brian Downing, Treasurer, City Hall Building, 319 W Case St., POB 70, Negaunee, MI 49866-0070

96139450 + Harry Sherva, 6106 Birch Drive, Fort Pierce, FL 34982-7500

96139458 + MOHELA, Attn: Bankruptcy, 633 Spirit Drive, Chesterfield, MO 63005-1243

96139455 + Mercury/FBT, Attn: Bankruptcy, Po Box 84064, Columbus, GA 31908-4064

96139457 + Miguel Cardona, Department of Education Building, 400 Maryland Ave, SW, Washington, DC 20202-0008

96139460 + Monty Wilkinson, U.S. Attorney General, Internal Revenue Service, 950 Pennsylvania Avenue NW, Washington, DC 20530-0009

96139459 Monty Wilkinson, U.S. Attorney General, U.S. Department of Justice, 950 Pennsylvania Avenue NW, Washington, DC 20530-0001

96139461 + Nicholas Benson, County Treasurer, Marquette County Treasurer, 234 W. Baraga Ave., Marquette, MI 49855-4710

96139462 Quicken Loans, The Corporation Company, 40600 Ann Arbor Rd. East, Suite 201, Plymouth, MI 48170-4675

96139467 University of Minnesota, 211 Bruininks Hall, 222 Pleasant St. SE, Minneapolis, MN 55455-0239

TOTAL: 12

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 EDI: FLDEPREV.COM

Jul 14 2021 02:13:00 Florida Department of Revenue, POB 6668,

Bankruptcy Division, Ft Lauderdale, FL

32314-6668

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

Jul 13 2021 22:12:00 Office of the US Trustee, 51 S.W. 1st Ave., Suite

1204, Miami, FL 33130-1614

cr + EDI: RMSC.COM

Jul 14 2021 02:13:00 Synchrony Bank, PRA Receivables Management,

LLC, PO Box 41021, Norfolk, VA 23541-1021

96139449 + EDI: AGFINANCE.COM

Jul 14 2021 02:13:00 CT Corporation System, C/O Quicken Loans,

1200 South Pine Island Road, Fort Lauderdale, FL

33324-4459

96139447 + EDI: CAPITALONE.COM

Jul 14 2021 02:13:00 Capital One, Attn: Bankruptcy, Po Box 30285,

Salt Lake City, UT 84130-0285

96139451 + EDI: HY11.COM

Jul 14 2021 02:18:00 Hyundai Motor Finance, Attn: Bankruptcy, Po

Box 20829, Fountain Valley, CA 92728-0829

96139453 + EDI: IRS.COM

Jul 14 2021 02:13:00 Internal Revenue Service, Centralized Insolvency

Operation, POB 7346, Philadelphia, PA

19101-7346

96139448 EDI: JPMORGANCHASE

Jul 14 2021 02:13:00 Chase Card Services, Attn: Bankruptcy, Po Box

15298, Wilmington, DE 19850

96139456 + Email/PDF: MerrickBKNotifications@Resurgent.com

Jul 13 2021 22:31:21 Merrick Bank/CardWorks, Attn: Bankruptcy, Po

Box 9201, Old Bethpage, NY 11804-9001

96139463 + EDI: RMSC.COM

Jul 14 2021 02:13:00 Syncb/PPC, Attn: Bankruptcy, Po Box 965060,

Orlando, FL 32896-5060

96139464 + EDI: RMSC.COM

Case 21-13230-EPK Doc 23 Filed 07/15/21 Page 1 of 4
District/off: 113C-9 User: fleurimon Page 2 of 2

Date Rcvd: Jul 13, 2021 Form ID: 318 Total Noticed: 25

Jul 14 2021 02:13:00 Synchrony Bank/Amazon, Attn: Bankruptcy, Po

Box 965060, Orlando, FL 32896-5060

96139465 + EDI: RMSC.COM

Jul 14 2021 02:13:00 Synchrony Bank/Care Credit, Attn: Bankruptcy

Dept, Po Box 965064, Orlando, FL 32896-5064

96139466 + Email/Text: bankruptcydepartment@tsico.com

Jul 13 2021 22:12:00 Transworld System Inc, Attn: Bankruptcy, Po Box

15630, Wilmington, DE 19850-5630

TOTAL: 13

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

96139454 *P++ INTERNAL REVENUE SERVICE, CENTRALIZED INSOLVENCY OPERATIONS, PO BOX 7346, PHILADELPHIA PA

19101-7346, address filed with court:, Internal Revenue Service, Office of Chief Counsel, 1111 Constitution Avenue NW, Room

5408, Washington, DC 20224

96139452 *+ Internal Revenue Service, POB 621503, Atlanta, GA 30362-3003

TOTAL: 0 Undeliverable, 2 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: Jul 15, 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 July 13, 2021 at the address(es) listed below:

Name Email Address

Chad T Van Horn

on behalf of Plaintiff Christi Lee Straub Chad@cvhlawgroup.com 

chad@ecf.inforuptcy.com,g2320@notify.cincompass.com,chapter7@cvhlawgroup.com,chapter13@cvhlawgroup.com,chapter11

@cvhlawgroup.com;vanhorn.chadb104447@notify.bestcase.com

Dana L Kaplan

on behalf of Debtor Christi Lee Straub dana@kelleylawoffice.com 

tina@kelleylawoffice.com;cassandra@kelleylawoffice.com;kristina@kelleylawoffice.com;debbie@kelleylawoffice.com;craig@k

elleylawoffice.com

Deborah Menotte

menottetrustee@gmail.com ecf.alert+Menotte@titlexi.com

Office of the US Trustee

USTPRegion21.MM.ECF@usdoj.gov 

TOTAL: 4

Case 21-13230-EPK Doc 23 Filed 07/15/21 Page 2 of 4
Information to identify the case:

Debtor 1 Christi Lee Straub

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−3732

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: 21−13230−EPK

Order of Discharge 12/15

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

Christi Lee Straub

July 13, 2021

By the court:

Erik P. Kimball

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 21-13230-EPK Doc 23 Filed 07/15/21 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 21-13230-EPK Doc 23 Filed 07/15/21 Page 4 of 4