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Case 09-29938 Doc 23 Filed 11/25/09 Entered 11/27/09 23:23:05 Desc Imaged

Certificate of Service Page 1 of 3

B18 (Official Form 18) (12/07)

United States Bankruptcy Court

Northern District of Illinois

Case No. 09−29938

Chapter 7

In re: Debtor (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade,
and address):

Tomasz Wlodyka
7440 W. Argyle
Harwood Heights, IL 60706

Social Security / Individual Taxpayer ID No.:


Employer Tax ID / Other nos.:


It appearing that the debtor is entitled to a discharge, IT IS ORDERED: The debtor
is granted a discharge under section 727 of title 11, United States Code, (the Bankruptcy Code).


Dated: November 25, 2009

Kenneth S. Gardner, Clerk
United States Bankruptcy Court


Case 09-29938 Doc 23 Filed 11/25/09 Entered 11/27/09 23:23:05 Desc Imaged

Certificate of Service Page 2 of 3

B18 (Official Form 18) (12/07) − Cont.



This court order grants a discharge to the person named as the debtor. It is not a dismissal of the case and
it does not determine how much money, if any, the trustee will pay to creditors.

Collection of Discharged Debts Prohibited

The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For
example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to
attach wages or other property, or to take any other action to collect a discharged debt from the debtor.[In a case
involving community property: There are also special rules that protect certain community property owned by the
debtor's spouse, even if that spouse did not file a bankruptcy case.] A creditor who violates this order can be required
to pay damages and attorney's fees to the debtor.

However, a creditor may have the right to enforce a valid lien, such as a mortgage or security interest,
against the debtor's property after the bankruptcy, if that lien was not avoided or eliminated in the bankruptcy case.
Also, a debtor may voluntarily pay any debt that has been discharged.

Debts That are Discharged

The chapter 7 discharge order eliminates a debtor's legal obligation to pay a debt that is discharged.
Most, but not all, types of debts are discharged if the debt existed on the date the bankruptcy case was filed. (If this
case was begun under a different chapter of the Bankruptcy Code and converted to chapter 7, the discharge applies to
debts owed when the bankruptcy case was converted.)

Debts that are Not Discharged.

Some of the common types of debts which are not discharged in a chapter 7 bankruptcy case are:

a. Debts for most taxes;

b. Debts incurred to pay nondischargeable taxes (in a case filed on or after October 17, 2005);

c. Debts that are domestic support obligations;

d. Debts for most student loans;

e. Debts for most fines, penalties, forfeitures, or criminal restitution obligations;

f. Debts for personal injuries or death caused by the debtor's operation of a motor vehicle, vessel, or aircraft
while intoxicated;

g. Some debts which were not properly listed by the debtor;

h. Debts that the bankruptcy court specifically has decided or will decide in this bankruptcy case are not

i. Debts for which the debtor has given up the discharge protections by signing a reaffirmation agreement in
compliance with the Bankruptcy Code requirements for reaffirmation of debts; and

j. Debts owed to certain pension, profit sharing, stock bonus, other retirement plans, or to the Thrift Savings
Plan for federal employees for certain types of loans from these plans (in a case filed on or after October 17,

This information is only a general summary of the bankruptcy discharge. There are exceptions to
these general rules. Because the law is complicated, you may want to consult an attorney to determine the
exact effect of the discharge in this case.

Case 09-29938 Doc 23 Filed 11/25/09 Entered 11/27/09 23:23:05 Desc Imaged


Certificate of Service Page 3 of 3

District/off: 0752-1 User: wepps Page 1 of 1 Date Rcvd: Nov 25, 2009
Case: 09-29938 Form ID: b18 Total Noticed: 19

The following entities were noticed by first class mail on Nov 27, 2009.
db +Tomasz Wlodyka, 7440 W. Argyle, Harwood Heights, IL 60706-3422
aty +Robert A. Habib, Law Office of Robert Habib, 77 W. Washington Street, Suite 411,
Chicago, Il 60602-3325
tr +Phillip D Levey, ESQ, 2722 North Racine Avenue, Chicago, IL 60614-1206
14428239 +AFNI, c/o Nextel, 404 Brock Dr, POB 3097, Bloomington IL 61702-3097
14321790 ALBANY BANK & TRUST, 3400 W LAWRENCE, CHICAGO, IL 60625-5188
14321792 +BALLYS, 12440 E IMPERIAL HWY, SUITE 300, NORWALK, CA 90650-8309
14428236 +Creditone, Dept 851, P O BOX 4115, Concord CA 94524-4115
14428241 +I C System Inc, Sphinx Financial Service, P O BOX 64378, Sanit Paul MN 55164-0378
14321794 +IC SYSTEM INC, c/o Sphinx Financial Service, PO BOX 64378, SAINT PAUL, MN 55164-0378
14321798 +Joseph and Susan Cartagena, c/o Tobin Richter/Neal & Leroy, 203 N. LaSalle Street,
Suite 2300, Chicago, IL 60601-1243
14321797 +Joseph and Susan Cartagena, 824 W. Roscoe, Chicago, IL 60657-2304
14428237 +NAFS, 165 Lawrence Bell Dr Ste 100, P O BOX 9027, Williamsville NY 14231-9027
14428240 +Sphinx Financial Service, 3320 N Central Ave, Chicago, IL 60634-4324

The following entities were noticed by electronic transmission on Nov 25, 2009.
tr +EDI: QPDLEVEY.COM Nov 25 2009 19:04:00 Phillip D Levey, ESQ, 2722 North Racine Avenue,
Chicago, IL 60614-1206
14321789 +EDI: AFNIRECOVERY.COM Nov 25 2009 19:04:00 AFNI INC., PO BOX 3427,
BLOOMINGTON, IL 61702-3427
14321791 +EDI: AGFINANCE.COM Nov 25 2009 19:04:00 AMERICAN GENERAL FINAN, 1409 W LAKE ST,
ADDISON, IL 60101-1870
14321793 +EDI: CAPITALONE.COM Nov 25 2009 19:03:00 CAPITAL ONE, PO BOX 85520,
RICHMOND, VA 23285-5520
14428238 +EDI: NEXTEL.COM Nov 25 2009 19:04:00 Nextel, KSOPHT010-Z4300, 6391 Sprint Parkway,
Overland Park KS 66251-6100


Addresses marked ’+’ were corrected by inserting the ZIP or replacing an incorrect ZIP.
USPS regulations require that automation-compatible mail display the correct ZIP.

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 9): 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: Nov 27, 2009