Information to identify the case:

Debtor 1:

Rosmery Urrelys Cardoso

First Name Middle Name Last Name

Social Security number or ITIN: xxx−xx−1508

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 Texas Date case filed for chapter: 7 4/12/24

Case number: 24−10066−rlj7

Official Form 309A (For Individuals or Joint Debtors)

Notice of Chapter 7 Bankruptcy Case −− No Proof of Claim Deadline 10/20

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 https://pacer.uscourts.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 Rosmery Urrelys Cardoso

2. All other names used in the

last 8 years

3. Address 1634 County Rd., #113

Rochester, TX 79544

4. Debtor's attorney

Name and address

James M. Morrison

Lee Law Firm, PLLC

8701 W. Bedford Euless Rd.

Suite 510

Hurst, TX 76053

Contact Phone: 469−646−8995

Email: ecf@leebankruptcy.com

5. Bankruptcy trustee

Name and address

Laurie Dahl Rea

Rochelle McCullough LLP

300 Throckmorton Street

Ste 520

Fort Worth, TX 76102

Contact Phone: 817−347−5260

Email: trusteelaurierea@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

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Debtor Rosmery Urrelys Cardoso Case number 24−10066−rlj7

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

https://pacer.uscourts.gov.

306 Federal Building

1205 Texas Avenue

Lubbock, TX 79401−4002

Hours open:

Mon.−Fri. 8:30−4:30

Contact Phone: 806−472−5000

Date: 4/12/24

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.

May 31, 2024 at 10:30 AM

BY TELEPHONE

The meeting may be continued or adjourned

to a later date. If so, the date will be on the

court docket.

Trustee: Laurie Dahl Rea

 Toll free number: 877−939−6318

 Alternate number: 203−607−1862

 Participant Code: 9850450

Debtor attorneys will be responsible for verifying both the debtors' photo ID and the debtors' social security number on the record. If you

are a pro se debtor who appears by telephone, the trustee may require that you appear at a continued meeting in order to present your

proof of identification and social security number and to affirm that you were the one who testified at the telephonic meeting.

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:

Filing deadline: 7/30/24

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 discharge

 under 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).

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.

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

https://pacer.uscourts.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.

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

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INFORMATION FOR THE TELEPHONIC § 341 MEETING OF CREDITORS

Because of developing issues with the COVID−19 virus and the national declaration of emergency by the President

of the United States, § 341 Meetings of Creditors (?Meetings?) will be conducted telephonically. The telephone call

in numbers and participant code are found on the enclosed Notice.

Additional Dial−In Information:

(1) You must use a touch−tone phone to participate.

(2) Landline preferred. If you have a choice, use a landline phone, instead of a cell phone. Do not use a speaker

phone.

(3) Dial the call−in number and then enter the participant code, which consists of 7 numbers and is followed by a #

sign. Immediately place your phone on mute.

(4) Make the call from a quiet area where there is as little background noise as possible.

(5) As more than one Meeting will be held during this period, listen for your case to be called. When your case is

called, unmute your phone and identify yourself.

(6) When speaking during your case, identify yourself.

(7) Do not put the phone on hold at any time after the call is connected.

(8) If any party is attending the Meeting from the same location as another party, use separate touch−tone phones to

participate.

(9) Once the case Meeting is finished, hang up.

(10) If you become disconnected before your Meeting is finished, call back.

Bankruptcy Documents:

Debtors should have their bankruptcy documents available in the event there are questions about the information in

the documents.

Recording: The Meetings will be recorded by the trustee or United States Trustee.

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