Case 6:13-bk-11237-KSJ Doc 3 Filed 09/12/13 Page 1 of 2
FORM B9A (Chapter 7 Individual or Joint Debtor No Asset Case) (12/12)
SERVICE TO STATUTORY CREDITORS ONLY
Case Number 6:13−bk−11237−KSJ
UNITED STATES BANKRUPTCY COURT
Middle District of Florida
Notice of Chapter 7 Bankruptcy Case, Meeting of Creditors, & Deadlines
A chapter 7 bankruptcy case concerning the debtor(s) listed below was filed on September 11, 2013 .
You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights.
All documents filed in the case may be inspected at the bankruptcy clerk's office at the address listed below. NOTE: The staff of the
bankruptcy clerk's office cannot give legal advice.
Creditors − Do not file this notice with any proof of claim you submit to the court.
See Reverse Side For Important Explanations
Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address):
28 N Fernwood Drive
Rockledge, FL 32955
Attorney for Debtor(s) (name and address):
28 N Fernwood Drive
Rockledge, FL 32955
Social Security/Taxpayer ID/Employer ID/Other Nos.:
Bankruptcy Trustee (name and address):
Emerson C Noble
Post Office Box 622798
Oviedo, FL 32762−2798
Telephone number: (407) 628−9300
Debtor(s) must present Photo ID and acceptable proof of Social Security Number at § 341 meeting.
You are reminded that Local Rule 5073−1 restricts the entry of cellular telephones into the Courthouse.
Meeting of Creditors
Date: October 16, 2013
Location: George C. Young Courthouse, Suite 1203−B, 400 West Washington Street, Orlando, FL 32801
Time: 09:30 AM
Presumption of Abuse under 11 U.S.C. § 707(b)
See "Presumption of Abuse" on reverse side.
Insufficient information has been filed to date to permit the clerk to make any determination concerning the presumption of abuse. If more
complete information, when filed, shows that the presumption has arisen, creditors will be notified.
Deadline to File a Complaint Objecting to Discharge of the Debtor or to Challenge Dischargeability of Certain Debts:
Papers must be received by the bankruptcy clerk's office by the following deadlines:
December 16, 2013
Deadline to Object to Exemptions:
Thirty (30) days after the conclusion of the meeting of creditors.
Creditors May Not Take Certain Actions:
In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor and the
debtor's property. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the
court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code
, you may be
penalized. Consult a lawyer to determine your rights in this case.
Please Do Not File a Proof of Claim Unless You Receive a Notice To Do So.
Creditor with a Foreign Address
A creditor to whom this notice is sent at a foreign address should read the information under "Do Not File a Proof of Claim at This Time"
on the reverse side.
Address of the Bankruptcy Clerk's Office:
George C. Young Federal Courthouse
400 West Washington Street
Orlando, FL 32801
Telephone number: 407−237−8000
Hours Open: Monday − Friday 8:30 AM − 4:00 PM
Notice is further given that effective on the date of the Petition, the United States Trustee appointed the above named individual as interim
trustee pursuant to 11 USC § 701.
Clerk of the Bankruptcy Court:
Lee Ann Bennett
For the Court:
Date: September 12, 2013
Case 6:13-bk-11237-KSJ Doc 3 Filed 09/12/13 Page 2 of 2
Filing of Chapter 7
FORM B9A (12/12)
A bankruptcy case under Chapter 7 of the Bankruptcy Code
(title 11, United States Code) has been filed in this court
by or against the debtor(s) listed on the front side, and an order for relief has been entered.
The staff of the bankruptcy clerk's office cannot give legal advice. Consult a lawyer to determine your rights in
May Not Take Certain
Prohibited collection actions are listed in Bankruptcy Code
§362. Common examples of prohibited actions include
contacting the debtor by telephone, mail or otherwise to demand repayment; taking actions to collect money or
obtain property from the debtor; repossessing the debtor's property; starting or continuing lawsuits or foreclosures;
and garnishing or deducting from the debtor's wages. Under certain circumstances, the stay may be limited to 30
days or not exist at all, although the debtor can request the court to extend or impose a stay.
Presumption of Abuse If the presumption of abuse arises, creditors may have the right to file a motion to dismiss the case under § 707(b) of
the Bankruptcy Code
. The debtor may rebut the presumption by showing special circumstances.
Meeting of Creditors A meeting of creditors is scheduled for the date, time and location listed on the front side. The debtor (both spouses
in a joint case) must be present at the meeting to be questioned under oath by the trustee and by creditors. Creditors
are welcome to attend, but are not required to do so. The meeting may be continued and concluded at a later date
without further notice.
There does not appear to be any property available to the trustee to pay creditors. You therefore should not file a
proof of claim at this time. If it later appears that assets are available to pay creditors, you will be sent another notice
telling you that you may file a proof of claim, and telling you the deadline for filing your proof of claim. If this
notice is mailed to a creditor at a foreign address, the creditor may file a motion requesting the court to extend the
deadline. Do not include this notice with any filing you make with the court.
Do Not File a Proof of
Claim at This Time
Discharge of Debts The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you may
never try to collect the debt from the debtor. If you believe that the debtor is not entitled to receive a discharge under
Bankruptcy Code §727(a) or that a debt owed to you is not dischargeable under Bankruptcy Code
§523(a)(2), (4), or
(6), you must start a lawsuit by filing a complaint − or a motion if you assert the discharge should be denied under
§727(a)(8) or (a)(9) −in the bankruptcy clerk's office by the "Deadline to File a Complaint Objecting to Discharge of
the Debtor or to Challenge Dischargeability of Certain Debts" listed on the front side. The bankruptcy clerk's office
must receive the complaint or motion and any required filing fee by that Deadline.
The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributed
to creditors. The debtor must file a list of all property claimed as exempt. You may inspect that list at the bankruptcy
clerk's office. If you believe that an exemption claimed by the debtor is not authorized by law, you may file an
objection to that exemption. The bankruptcy clerk's office must receive the objections by the "Deadline to Object to
Exemptions" listed on the front side.
Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk's office at the address listed
on the front side. You may inspect all papers filed, including the list of the debtor's property and debts and the list of
the property claimed as exempt, at the bankruptcy clerk's office.
Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this
−− Refer to Other Side for Important Deadlines and Notices −−
Creditor with a
Voice Case Info. System
McVCIS provides basic case information concerning deadlines such as case opening and closing date,
discharge date and whether a case has assets or not. McVCIS is accessible 24 hours a day except when
routine maintenance is performed. To access McVCIS toll free call 1−866−222−8029.