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FORM B9A (Individual−No Asset)(12/1/11)

Case 13-61075-fra7 Doc 4 Filed 03/28/13


District of Oregon

Notice of Chapter 7 Bankruptcy Case, Meeting of

Creditors, Deadlines, Proposed Case Dismissal, and

Trustee Appointment




March 29, 2013

Clerk, U.S. Bankruptcy Court


A chapter 7 bankruptcy case concerning the debtor(s) named below was FILED ON 3/28/13. You may be a creditor of the debtor(s).
This notice lists important deadlines. You may want to consult an attorney to protect your rights. Case documents may be viewed
online or at the clerk's office, or requested through the mail.


Debtor(s) (name(s) and address):

Roland Reid Skinner

3064 W. 17th Ave
Eugene, OR 97402−0000

Case Number: 13−61075−fra7
Last four digits of Social−Security or Individual
Taxpayer−ID(ITIN) No(s)./Complete EIN:


Debtor(s) Attorney:

POB 10552
Eugene, OR 97440
Telephone No.: (541) 344−7472


Thomas A Huntsberger
870 W Centennial
Springfield, OR 97477
Telephone No.: (541) 746−6574

4/29/13 at 02:00 PM in U.S. Trustee's Office, Room 1900, 405 E 8th Ave, Eugene, OR 97401

Presumption of Abuse under 11 USC §707(b) (See "Presumption of Abuse" on the reverse side)

The presumption of abuse does not arise.

Deadlines − Documents must be received by the bankruptcy clerk's office by the following deadlines:

Meeting of Creditors

Deadline to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: 6/28/13
Deadline to Object to Exemptions: 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(s) and the
debtor(s)' property. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor(s) 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.

Notices Re Proposed Dismissal of Case/Undue Hardship Presumption; and

Abandonment of Debtor's Residence (Real Property)

YOU ARE NOTIFIED: (1) This case may be dismissed without further prior notice if the debtor(s) fail to complete the meeting of
creditors, timely file any documents, or make fee payments ordered by the Court, unless within 21 days of the above "FILED" date a
party in interest files a written objection to dismissal, setting forth specific grounds, with the Court and sends copies to the debtor(s)'
attorney (or debtor(s) if pro se) and trustee; and (2) Any presumption of undue hardship that may exist in a reaffirmation agreement filed
by the debtor(s) shall remain in effect until the effective date of any discharge order entered in this case unless a party in interest
objects by 5/20/13.

YOU ARE FURTHER NOTIFIED that at least 5 days prior to the date of the meeting of creditors, any party in interest who objects to
abandonment of the debtor(s)' residence (real property) must file with the Court a written objection and serve a copy on the debtor(s)
and debtor(s)' attorney. If no timely objection is filed, the trustee can abandon the property at or after the meeting of creditors upon
request of the debtor(s) or mortgage creditor without any further notice requirement. Mortgage creditors are authorized to negotiate a
loan modification with a debtor either before or after the meeting of creditors, but any modification reached cannot become effective
until the property is abandoned. Mortgage creditors may use the procedure outlined in LBF #751.7, available at,
to obtain such abandonment. A creditor's contact with the debtor(s) and/or debtor(s)' attorney to effect a modification shall not be
considered a violation of the automatic stay of 11 USC §362. Negotiations with represented debtors must be with debtor(s)' counsel
who may consent to the creditor communicating directly with the debtor(s).

Please read the information under "Do Not File A Proof of Claim at This Time" on the reverse side.

Creditor with a Foreign Address

Trustee Appointment

The trustee named above is hereby appointed as interim trustee in this case. Such trustee's bond shall be the blanket bond heretofore
approved and filed with the U.S. Bankruptcy Court Clerk. UNITED STATES TRUSTEE


FORM B9A (12/1/11)

Case 13-61075-fra7 Doc 4 Filed 03/28/13


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 the debtor(s) named in this notice, and an order for relief has been entered.

Relief from Stay

Requests for non−judicial relief from the stay of Bankruptcy Code §362(a), limiting actions to recover debtor(s)'
property, must comply with Local Form #715. Requests for judicial relief must comply with Local Form #720.50.

Creditors May Not
Take Certain

Prohibited collection actions are listed in Bankruptcy Code §362. Common examples of prohibited actions include
contacting the debtor(s) by telephone, mail or otherwise to demand repayment; taking actions to collect money or
obtain property from the debtor(s); 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(s) can request the Court to extend or impose a stay.

Presumption of

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(s) may rebut the presumption by showing special circumstances.

Meeting of

The meeting of creditors is scheduled for the date, time and location listed in this notice. The debtor(s) (both
debtors in a joint case) must be present at the meeting to be questioned under oath by the trustee and by
creditors or this case may be dismissed. 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.

Debtor(s) must provide a photo ID (e.g., driver's license; federal, state, student or military ID; U.S. passport; or
resident alien card). Debtor(s) must also provide proof of reported social security number (e.g., social security
card; medical insurance card; pay stub; W−2 form; IRS form 1099; or Social Security Admin. report). Original
photo IDs and other documents are required.

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 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

Discharge of

Exempt Property

Clerk's Office
(Document Filing,
Viewing and

The debtor is seeking a discharge of most debts, which may include your debt. A discharge means you may
never try to collect the debt from the debtor(s). If you believe the debtor is not entitled to receive a discharge
under Bankruptcy Code §727(a) or 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 that the discharge should be denied under
§727(a)(8) or (a)(9) −− with the Court by the "Deadline to Object to Debtor's Discharge or to Challenge the
Dischargeability of Certain Debts" listed in this notice. 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. Fully exempt property will not be sold and
distributed to creditors. The debtor must file a list of all property claimed as exempt. If you believe that an
exemption claimed by the debtor is not authorized by law, you may file an objection to that exemption. The Court
must receive the objection by the "Deadline to Object to Exemptions" listed in this notice.

Any paper document that you file in this case must be filed at the bankruptcy clerk's office at:

U.S. Bankruptcy Court Phone: 541−431−4000 Office Hours: 9:00AM−4:30PM
405 E 8th Ave #2600
Eugene, OR 97401

You may view or obtain filed documents, including the list of the debtor's property and debts and the list of the
property claimed as exempt, as follows:
1. Online by obtaining a PACER account at
2. In person at the clerk's office.
3. Via mail by submitting a written request with the applicable search and copy fees and a self−addressed,
stamped envelope.

Court Information
and Legal Advice

Court information is available at For account numbers, etc. contact the debtor's
attorney. Contact your own attorney with other questions and to protect your rights. The clerk's office staff is
forbidden by law from giving legal advice.

Creditor with a
Foreign Address Consult a lawyer familiar with United States bankruptcy law if you have questions about your rights in this case.

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