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Case 13-21128-KCF Doc 3 Filed 05/22/13 Entered 05/22/13 11:07:51 Desc 341 Mtg

Chap7 - Ind No Assets Page 1 of 3

B9A (Official Form 9A) (Chapter 7 Individual or Joint Debtor No Asset Case) (12/12)

Case Number 13−21128−KCF

UNITED STATES BANKRUPTCY COURT

District of New Jersey

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

A chapter 7 bankruptcy case concerning the debtor(s) listed below was filed on 5/21/13.

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 file this notice in connection 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):
Carl J Rubinski
131 Rosewood Lane
Port Reading, NJ 07064
Social Security/Taxpayer ID/Employer ID/Other Nos.:
xxx−xx−9900 (Carl J Rubinski)
xxx−xx−4400 (Maria D Rubinski)
Attorney for Debtor(s) (name and address):
Edward Nathan Vaisman
Vaisman Law Office
33 Wood Avenue South
Suite 600
Iselin, NJ 08830
Telephone number: (732) 925−6090

Maria D Rubinski
131 Rosewood Lane
Port Reading, NJ 07064
United States Bankruptcy Judge:
Honorable Kathryn C. Ferguson

Trustee:
Barry R. Sharer
Sharer Petree Brotz & Snyder
1103 Laurel Oak Road
Suite 105B
Voorhees, NJ 08043
Telephone number: 856−282−0998
The United States Trustee, Region 3 appoints the above−named
individual as interim trustee as of the date of the filing of the
bankruptcy petition.

Date: July 9, 2013
Location: Clarkson S. Fisher Federal Courthouse, 402 East State Street, Room 129, Trenton, NJ 08608−1507

Meeting of Creditors:
Time: 10:00 AM

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:

Deadlines:

Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts:

9/9/13

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:
402 East State Street
Trenton, NJ 08608
Telephone number: 609−989−2200
Business Hours:
8:30 AM − 4:00 p.m., Monday − Friday (except holidays)

Clerk of the Bankruptcy Court:
James J. Waldron

For the Court:

Date: 5/23/13

Case 13-21128-KCF Doc 3 Filed 05/22/13 Entered 05/22/13 11:07:51 Desc 341 Mtg

Chap7 - Ind No Assets Page 2 of 3

EXPLANATIONS

B9A (Official Form 9A) (12/12)

Proof of Identification
and Social Security
Number

Important notice to individual debtors: Effective March 1, 2002, all individual debtors must provide picture
identification and proof of social security number to the trustee at the meeting of creditors. Failure to do so may
result in your case being dismissed.

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
specified in a notice filed with the court.

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.

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. Writing a letter to the court or the judge is not a substitute for the
filing of an adversary complaint.

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 objection 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.

Creditor with a
Foreign Address

Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this
case.

Case 13-21128-KCF Doc 3 Filed 05/22/13 Entered 05/22/13 11:07:51 Desc 341 Mtg

Chap7 - Ind No Assets Page 3 of 3

−− Refer to Other Side for Important Deadlines and Notices −−

Undeliverable Notices. Undeliverable notices will be sent by return mail to the debtor. It is the debtor's responsibility to obtain the party's
correct address, resend the returned notice, and notify this office of the party's change of address. Failure to provide all parties with a copy of
this notice may adversely affect the debtor as provided by the Bankruptcy Code.

Case information − telephone access. Case summary information can be obtained from any touch tone telephone by calling the automated
Voice Case Information System (VCIS) at the toll free number: 1−877−239−2547. This service is free of charge and is available 24 hours a
day.

Case information − electronic access. Case summary and docket information can be obtained from the Public Access to Court Electronic
Records (Pacer) System. To register or for more information, please call the Pacer Billing Center at 1−800−676−6856 or visit the Pacer Web
Site: http://pacer.psc.uscourts.gov.

Internet access. Additional information may be available at the Court's Web Site: http://www.njb.uscourts.gov.