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Case 13-41260 Doc 10 Filed 05/15/13 Entered 05/15/13 06:21:33 Desc First

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OFFICIAL FORM B9A (Chapter 7 Individual or Joint Debtor No Asset Case) (12/12)

Case Number 13−41260 msh

UNITED STATES BANKRUPTCY COURT

District of Massachusetts

Notice of Chapter 7 Bankruptcy Case, Meeting of Creditors, & Deadlines

A chapter 7 bankruptcy case concerning the debtor(s) listed below was filed on 5/11/13.

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 include this notice with any filing you make with 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):
Andrea K. Jordan
32 Duxbury Road
Worcester, MA 01605
Case Number:
13−41260
Attorney for Debtor(s) (name and address):
Craig T. Ornell
51 Union Street
Suite 206
Worcester, MA 01609
Telephone number: (508) 797−9655

Social Security/Taxpayer ID/Employer ID/Other Nos.:
xxx−xx−8283
Bankruptcy Trustee (name and address):
Tr−John A. Burdick
Post Office Box 101
Paxton, MA 01612
Telephone number: 508−752−4633

Date: June 6, 2013
Location: Worcester U.S. Trustee Office, 446 Main Street, 1st Floor, Worcester, MA 01608

Meeting of Creditors
Time: 12:30 PM

Presumption of Abuse under 11 U.S.C. § 707(b)

See "Presumption of Abuse" on reverse side.

The presumption of abuse does not arise.

Papers must be received by the bankruptcy clerk's office by the following deadlines:

Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: 8/5/13

Deadlines:

Deadline to Object to Exemptions:

Thirty (30) days after the conclusion of the meeting of creditors.

Deadline for Debtor(s) to attend a Financial Management Training approved by the UST: Sixty days from the first

date set for the §341 meeting. Failure to file a debtor(s) certificate of completion with the Court will prevent the entry of the Debtor(s)

discharge.

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.

Foreign Creditors

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:
U. S. Bankruptcy Court
595 Main Street
Worcester, MA 01608
Telephone number: 508−770−8900
Hours Open: Monday − Friday 8:30 AM − 5:00 PM

Clerk of the Bankruptcy Court:
James M. Lynch

For the Court:

Date: 5/15/13

Case 13-41260 Doc 10 Filed 05/15/13 Entered 05/15/13 06:21:33 Desc First

FORM B9A (12/12)

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EXPLANATIONS

Filing of Chapter 7
Bankruptcy Case

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.

Legal Advice

The staff of the bankruptcy clerk's office cannot give legal advice. Consult a lawyer to determine your rights in
this case.

Creditors Generally
May Not Take Certain
Actions

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.

Do Not File a Proof of
Claim at This Time

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.

Debtor(s) Financial
Management Training
Deadline

The Debtor(s) discharge will not enter if the Debtor(s) fails to attend a financial management training program
approved by the US Trustee or if the Debtor(s) attends such training and fails to file a debtor(s) certificate of
completion with the U.S. Bankruptcy Court. This training is in addition to the prebankruptcy counseling
requirement. A list of approved courses may be obtained from the U.S. Trustee office or from the Court website at
www.mab.uscourts.gov.

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 file 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 Object to Debtor's Discharge or to Challenge the Dischargeability
of Certain Debts" listed on the front of this form. The bankruptcy clerk's office must receive the complaint or motion
and any required filing fee by that Deadline.

Exempt Property

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.

Bankruptcy Clerk's
Office

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.

Foreign Creditors

Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this
case.
−− Refer to Other Side for Important Deadlines and Notices −−

Case 13-41260 Doc 10 Filed 05/15/13 Entered 05/15/13 06:21:33 Desc First

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