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Case 13-14547-ref Doc 11 Filed 06/04/13 Entered 06/04/13 13:14:07 Desc CH-CH

INDIVIDUAL NO ASSET Page 1 of 3

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

Case Number 13−14547−ref

UNITED STATES BANKRUPTCY COURT

Eastern District of Pennsylvania

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

**Debtor's Photo ID & Social Security Card Must Be Presented at 341 Hearing**

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):
Robin Smith
aka Robin Marie Smith, aka Robin M Smith, aka Robin
Marie Hindak, aka Robin M Hindak, aka Robin Hindak
505 Main Street
PO Box 514
Stockertown, PA 18083
Case Number:
13−14547−ref
Attorney for Debtor(s) (name and address):
HARRY J. NEWMAN
Harry Newman & Associates, P.C.
3897 Adler Place
Suite 180
Building C
Bethlehem, PA 18017
Telephone number: (610) 867−5005

Social Security/Taxpayer ID/Employer ID/Other Nos.:
xxx−xx−5773
Bankruptcy Trustee (name and address):
DAVID ALAN EISENBERG
David A. Eisenberg, Esquire
3140B Tilghman Street
PMB #321
Allentown, PA 18104
Telephone number: (610) 437−1410

Date: July 8, 2013
Location: Allentown Federal Courthouse, 504 W. Hamilton Street, Courtroom 3−C, Allentown, PA 19101

Meeting of Creditors
Time: 02:00 PM

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: 9/6/13

Deadlines:

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.

Subject to limited exceptions, pursuant to Rule 1007(b)(7) of the Interim Rules of Bankruptcy Procedure, in order to receive a discharge

Financial Management Training

under Chapter 7, the debtor must file a Certification of Instructional Course Concerning Personal Financial Management (Official Form 23)
as described in 11 U.S.C. §111 within 60 days after the first date set for the meeting of creditors under §341. Failure to file the certification

will result in the case being closed without entry of a discharge.

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:
400 Washington Street

For the Court:

Case 13-14547-ref Doc 11 Filed 06/04/13 Entered 06/04/13 13:14:07 Desc CH-CH

INDIVIDUAL NO ASSET Page 2 of 3

Suite 300
Reading, PA 19601
Telephone number: (610)2085040
Hours Open: Monday − Friday 8:30 AM − 5:00 PM

Clerk of the Bankruptcy Court:
Timothy B McGrath

Date: 6/4/13

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INDIVIDUAL NO ASSET Page 3 of 3

EXPLANATIONS

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

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.

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.

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.

Refer to Other Side for Important Deadlines and Notices