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Case 13-60887-6-dd Doc 4 Filed 05/22/13 Entered 05/22/13 14:53:28 Desc 7 no

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

Case Number 13−60887−6−dd

UNITED STATES BANKRUPTCY COURT for the NORTHERN DISTRICT OF NEW YORK

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

A chapter 7 bankruptcy case concerning the debtor(s) listed below was filed on 5/22/13.

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):
Candy L. Harrison
5591 Rottamore Road
PO Box 105
Vernon Center, NY 13477
Case Number:
13−60887−6−dd
Attorney for Debtor(s) (name and address):
Frederick W. Murad
Murad and Murad
291 Genesee Street
Utica, NY 13501
Telephone number: (315) 792−8000

Social Security/Taxpayer ID/Employer ID/Other Nos.:
xxx−xx−6059
Bankruptcy Trustee (name and address):
Randy J. Schaal−Trustee
DeBottis & Schaal
312 Broad Street
Oneida, NY 13421
Telephone number: (315)363−6888

Date: June 26, 2013

Time: 01:30 PM

Location: Alexander Pirnie Federal Building, 10 Broad Street,
Rm 106, Utica, NY 13501

Meeting of Creditors

The presumption of abuse does not arise.

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

See "Presumption of Abuse" on reverse side.

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: 8/26/13

Deadlines:

Deadline to File a Certificate of Completion of the Post−filing Personal Financial Management Course (Official Form 23):

8/26/13

Deadline to Object to Exemptions:

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

Appointment of Trustee:

The United States Trustee pursuant to Code Section 701 has appointed Randy J. Schaal−Trustee as trustee of the estate of the debtor(s)
named above. The trustee shall be deemed to have accepted the appointment and shall serve under his/her blanket bond, unless the trustee
notifies the U.S. Trustee and the Court in writing of the rejection of the appointment within seven (7) days of receipt of this notice. Code
Section 322; FRBP 2008. Guy A.VanBaalen, Assistant U.S. Trustee. Additional information can be found at the United States Trustee's
website at http://www.usdoj.gov/ust/r02 .

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.

Creditors May Not Take Certain Actions:

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:
Alexander Pirnie Federal Building
10 Broad Street, Room 230
Utica, NY 13502
Telephone number: 315−793−8101

For the Court:

Hours Open: Monday − Friday 9:00 AM − 4:00 PM

Kim F. Lefebvre
Clerk of the Bankruptcy Court
Date: 5/22/13

Case 13-60887-6-dd Doc 4 Filed 05/22/13 Entered 05/22/13 14:53:28 Desc 7 no

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Filing of Chapter 7
Bankruptcy Case

Legal Advice

B9A (Official Form 9A) (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.

EXPLANATIONS

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.

Do Not File a Proof of
Claim at This Time

Discharge of Debts

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.
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.
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.
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
case.
Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this
case. In order to receive a discharge, the debtor must complete a post−filing Personal Financial Management Course
and must file a Certificate of Completion of the post−filing Personal Financial Management Course (Official Form
23) within 60 days after the first date set for the section 341 meeting. If the post−filing Personal Financial
Management Course Certificate of Completion is not filed within the allotted time, a discharge will not be issued
and the case will be closed.
All 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.

Creditor with a
Foreign Address
Personal Financial
Management Course

IMPORTANT NOTICE
TO DEBTORS:

Exempt Property

Bankruptcy Clerk's
Office

Refer to Other Side for Important Deadlines and Notices