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Case 1:13-bk-12798 Doc 9 Filed 06/06/13 Entered 06/06/13 14:54:58 Desc 341Mtg

Chap7/Ind No Assets Page 1 of 2

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

Case Number 1:13−bk−12798

UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF TENNESSEE

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

A chapter 7 bankruptcy case concerning the debtor(s) listed below was filed on 6/6/13.

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):
Terry Joe Miller
5480 Hopewell Place NE
Cleveland, TN 37312
Case Number:
1:13−bk−12798

Karen Renee Keith Miller
5480 Hopewell Place NE
Cleveland, TN 37312
Social Security / Individual Taxpayer ID / Employer Tax ID / Other
nos:
xxx−xx−0069
xxx−xx−3858
Bankruptcy Trustee (name and address):
James R. Paris
P. O. Box 4364
147 North Market Street
Chattanooga, TN 37405
Telephone number: (423) 648−7714

Attorney for Debtor(s) (name and address):
April Perry Randle
Law Office of April Perry Randle
P.O. Box 3056
Cleveland, TN 37320−3056
Telephone number: 423−473−6717

Meeting of Creditors

Date: July 12, 2013
Location: Basement Room 18, U. S. Bankruptcy Court, 31 East 11th Street, Chattanooga, TN 37402
Presumption of Abuse under 11 U.S.C. § 707(b)

Time: 08:30 AM

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: 9/10/13

Deadlines:

Thirty (30) days after the conclusion of the meeting of creditors or within 30 days after any amendment to the list of exemptions is filed,

Deadline to Object to Exemptions:

except as otherwise provided under Federal Rule of Bankruptcy Procedure 1019(2)(B) for converted cases.

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.

However, prior to the meeting of creditors scheduled above, all creditors asserting a security interest in property of the debtor or of the
estate must provide proof to the bankruptcy trustee that the interest has been perfected. See Local Bankruptcy Rule 3001−1(b).
Unless a written request for notice is filed at or before the meeting of creditors, the bankruptcy trustee may abandon property of the estate
without further notice to creditors. See Local Bankruptcy Rule 6007−1.

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:
United States Bankruptcy Court
31 East 11th Street
Chattanooga, TN 37402
Telephone number: (423) 752−5163
Hours Open: Monday − Friday 8:00 AM − 4:30 PM

Danny W. Armstrong
Clerk of the Bankruptcy Court

For the Court:

Date: 6/7/13

Case 1:13-bk-12798 Doc 9 Filed 06/06/13 Entered 06/06/13 14:54:58 Desc 341Mtg

Chap7/Ind No Assets Page 2 of 2

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 statement filed with the court. Those not attending the meeting or not registered to receive electronic
notices must check the PACER docket sheet to see if the meeting was adjourned to another date.

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.

Creditors 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