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Case 13-23603 Doc 5 Filed 04/04/13 Entered 04/04/13 10:00:03 Desc Ch 7

Meeting of Creditors Mean Page 1 of 2

UNITED STATES BANKRUPTCY COURT

WESTERN DISTRICT OF TENNESSEE

NOTICE OF COMMENCEMENT OF CASE UNDER CHAPTER 7

OF THE BANKRUPTCY CODE,

MEETING OF CREDITORS, AND FIXING OF DATES

(Individual or Joint Debtor No Asset Case)

CASE NUMBER: 13−23603 jdl
Date Filed (or Converted): 4/4/13

In re (NAME OF DEBTOR)
Rodney B. Huffman , xxx−xx−6389

ADDRESS OF DEBTOR(s):
7906 Linda Joyce Dr.
Bartlett, TN 38133

NAME/ADDRESS OF ATTORNEY FOR DEBTOR
Raleigh E. Sanford Jr.
Raleigh E. Sanford, Jr., P.C.
9043 Barret Road
Millington, TN 38053
Telephone Number: 901−829−2100

NAME/ADDRESS OF CHAPTER 7 TRUSTEE
Edward L. Montedonico
200 Jefferson, Suite 201
Memphis, TN 38103
Telephone Number: (901) 521−9390

DATE/TIME/LOCATION OF MEETING OF CREDITORS

May 1, 2013 12:00 PM
200 Jefferson Ave, Room 175, Memphis, TN 38103

The presumption of abuse does NOT arise.

See "Presumption of Abuse" on reverse side.

MEETING IS LOCATED ON THE FIRST FLOOR

DEADLINE to Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: 7/1/13

DEADLINE for Debtor to File Certification of Completion of Instructional Course Concerning Financial Management: 7/1/13

AT THIS TIME THERE APPEAR TO BE NO ASSETS AVAILABLE FROM WHICH PAYMENT MAY BE
MADE TO UNSECURED CREDITORS. DO NOT FILE A PROOF OF CLAIM UNTIL YOU RECEIVE NOTICE
TO DO SO.

PURSUANT TO LOCAL STANDING ORDER NO. 05−0004, AND 09−0007, AND 11 U.S.C.§ 105(a), AND THIS COURT'S
INHERENT POWER AND DUTY TO MANAGE ITS DOCKETS, NOTICE IS HEREBY GIVEN THAT THE FAILURE OF ANY
DEBTOR TO TIMELY FILE THE MAILING MATRIX WITHIN SEVEN DAYS AFTER THE ENTRY OF THE ORDER FOR
RELIEF, OR WITHIN ANY EXTENSION GRANTED BY THE COURT, AND/OR FAILURE OF ANY DEBTOR TO ATTEND
THE MEETING OF CREDITORS, MAY RESULT IN THE DISMISSAL OF THE BANKRUPTCY CASE WITHOUT FURTHER
NOTICE.

For the Court:

Jed G. Weintraub
Clerk of the Bankruptcy Court
200 Jefferson Avenue, Suite 413
Memphis, TN 38103
Telephone: (901) 328−3500

4/5/13
Date

Proof of Claim form can be found here: http://www.tnwb.uscourts.gov/TNW/ProofsOfClaim.aspx
−− OR −−
File your claim electronically: https://ecf.tnwb.uscourts.gov/cgi−bin/tnWebClaims.pl

(SEE REVERSE SIDE)

Case 13-23603 Doc 5 Filed 04/04/13 Entered 04/04/13 10:00:03 Desc Ch 7

Meeting of Creditors Mean Page 2 of 2

NOTICE IS FURTHER GIVEN THAT:

COMMENCEMENT OF CASE. A petition for liquidation under chapter 7 of the Bankruptcy Code ("Code")
has been filed in this court by or against the person or persons named on the reverse side as the debtor, and
an order for relief has been entered. You will not receive notice of all documents filed in this case. All
documents filed with the court, including lists of the debtor's property, debts, and property claimed as exempt
are available for inspection at the Office of the Clerk of the Bankruptcy Court.

CREDITORS MAY NOT TAKE CERTAIN ACTIONS. A creditor is anyone to whom the debtor owes
money or property. Under the federal bankruptcy laws, the debtor is granted certain protection against
creditors. Common examples of prohibited actions by creditors are contacting the debtor to demand
repayment, taking action against the debtor to collect money owed to creditors or to take property of the
debtor, and starting or continuing foreclosure actions, repossessions, or wage deductions. If unauthorized
actions are taken by a creditor against a debtor, the court may penalize that creditor. A creditor who is
considering taking action against the debtor or the property of the debtor should review Sec. 362 of the Code
and may wish to seek legal advice. The staff of the clerk of the bankruptcy court is not permitted to give
legal advice.

DISCHARGE OF DEBTS. The debtor is seeking a discharge of debts. A discharge means that certain debts
are made unenforceable against the debtor personally. Creditors whose claims against the debtor are
discharged may never take action against the debtor to collect the discharged debts. If a creditor or other
parties in interest believes that the debtor should not receive any discharge of debts under Sec. 727 of the
Code, or that a debt owed to the creditor is not dischargeable under Sec. 523(a)(2), (4), (6) or (15) of the
Code, timely action must be taken in the Bankruptcy Court by the deadline set forth on the reverse side
labeled, "Discharge of Debts." Creditors considering taking such action may wish to seek legal advice.

EXEMPT PROPERTY. Under state and federal law, the debtor is permitted to keep certain money or
property as exempt. If a creditor or other interested party believes that an exemption of money or property is
not authorized by law, the creditor or other interested party may file an objection. An objection must be filed
not later than 30 days after the conclusion of the meeting of creditors.

LIQUIDATION OF THE DEBTOR'S PROPERTY. The Bankruptcy Trustee ("Trustee") will collect the
debtor's property and turn any that is not exempt into money. If the trustee can collect enough money and
property from the debtor, creditors may be paid some or all of the debts owed to them.

MEETING OF CREDITORS. The debtor (both husband and wife in a joint case) is required to appear at the
meeting of creditors on the date and at the place set forth on the reverse side for the purpose of being
examined under oath. Attendance by creditors at the meeting is welcomed, but not required. At the meeting,
the creditors may elect a trustee other than the one named on the reverse side, elect a committee of creditors,
examine the debtor, and transact such other business as may properly come before the meeting. The meeting
may be continued or adjourned from time to time by oral notice at the meeting, without further written notice
to creditors and other parties in interest.

NOTICE OF ABANDONMENT. This will serve notice that at the scheduled meeting on the reverse side, the
Trustee may announce which properties the trustee plans to abandon. An objection to the Trustee's action
may be filed within 14 days after the meeting of creditors.

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.

Proof of Claim form can be found here: http://www.tnwb.uscourts.gov/TNW/ProofsOfClaim.aspx
−− OR −−
File your claim electronically: https://ecf.tnwb.uscourts.gov/cgi−bin/tnWebClaims.pl

(SEE REVERSE SIDE)

[7mocindnameans.jsp]Notice Chapter 7 Individual 1/03