Case 15-60894-mgd Doc 12 Filed 10/09/15 Entered 10/10/15 01:50:37 Desc Imaged
` Certificate of Notice Page 1 of 4
`UNITED STATES BANKRUPTCY COURT
`
`In Re: Debtor(s)
`Anna Gayle Mercer
`1960 Calvin Drive
`Duluth, GA 30097
`
`xxx−xx−5613
`
`Northern District of Georgia
`
`Case No.: 15−60894−mgd
`Chapter: 7
`Judge: Mary Grace Diehl
`
`DISCHARGE OF DEBTOR(S) WITH ORDER APPROVING TRUSTEE'S REPORT OF NO
`DISTRIBUTION, CLOSING ESTATE AND DISCHARGING TRUSTEE
`
` It appearing that the debtor is entitled to a discharge, IT IS ORDERED: The debtor is granted a discharge
`under section 727 of title 11, United States Bankruptcy Code, (the Bankruptcy Code).
`
` It further appears that the trustee in the above styled case has filed a report of no distribution and said
`Trustee has performed all other and further duties required in the administration of said estate; accordingly, it is
`hereby
`
`ORDERED that the said estate is closed; that the Trustee is discharged from and relieved of said trust.
`
`Mary Grace Diehl
`United States Bankruptcy Judge
`
`Dated: October 7, 2015
`
`Form 182
`
`SEE THE BACK OF THIS ORDER FOR IMPORTANT INFORMATION
`REGARDING THE BANKRUPTCY DISCHARGE IN A CHAPTER 7 CASE
`
`

`
`Case 15-60894-mgd Doc 12 Filed 10/09/15 Entered 10/10/15 01:50:37 Desc Imaged
` Certificate of Notice Page 2 of 4
`
`FORM 182 continued
`
`EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER 7 CASE
`
` This court order grants a discharge to the person named as the debtor. It is not a dismissal of the case and it does
`not determine how much money, if any, the trustee will pay to creditors.
`
`Collection of Discharged Debts Prohibited
`
` The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a
`creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or
`other property, or to take any other action to collect a discharged debt from the debtor. [In a case involving community
`property: There are also special rules that protect certain community property owned by the debtor's spouse, even if that
`spouse did not file a bankruptcy case.] A creditor who violates this order can be required to pay damages and attorney's
`fees to the debtor.
`
` However, a creditor may have the right to enforce a valid lien, such as a mortgage or security interest, against the
`debtor's property after the bankruptcy, if that lien was not avoided or eliminated in the bankruptcy case. Also, a debtor
`may voluntarily pay any debt that has been discharged.
`
` This discharge does not affect any property of the estate as defined by section 541 of the Bankruptcy Code, and the
`automatic stay of section 362(a) of the Bankruptcy Code continues to apply to any property of the estate unless and until
`the automatic stay has been terminated by order of the court or expires pursuant to section 362(c) of the Bankruptcy
`Code. Such property remains subject to administration by the trustee on behalf of the bankruptcy estate.
`
`Debts That are Discharged
`
` The chapter 7 discharge order eliminates a debtor's legal obligation to pay a debt that is discharged. Most, but not
`all, types of debts are discharged if the debt existed on the date the bankruptcy case was filed. (If this case was begun
`under a different chapter of the Bankruptcy Code and converted to chapter 7, the discharge applies to debts owed when
`the bankruptcy case was converted.)
`
`Debts that are Not Discharged.
`
`Some of the common types of debts which are not discharged in a chapter 7 bankruptcy case are:
`
`a. Debts for most taxes;
`b. Debts incurred to pay nondischargeable taxes (in a case filed on or after October 17, 2005);
`c. Debts that are domestic support obligations;
`d. Debts for most student loans;
`e. Debts for most fines, penalties, forfeitures, or criminal restitution obligations;
`f. Debts for personal injuries or death caused by the debtor's operation of a motor vehicle, vessel, or aircraft
` while intoxicated;
`g. Some debts which were not properly listed by the debtor;
`h. Debts that the bankruptcy court specifically has decided or will decide in this bankruptcy case are not
` discharged;
`i. Debts for which the debtor has given up the discharge protections by signing a reaffirmation agreement in
` compliance with the Bankruptcy Code requirements for reaffirmation of debts.
` j. Debts owed to certain pension, profit sharing, stock bonus, other retirement plans, or to the Thrift Savings
` Plan for federal employees for certain types of loans from these plans (in a case filed on or after October 17,
`2005).
`
` This information is only a general summary of the bankruptcy discharge. There are exceptions to these
`general rules. Because the law is complicated, you may want to consult an attorney to determine the exact effect of
`the discharge in this case.
`
` This Bankruptcy Discharge is an important document that you should retain in the event a copy is needed in
`the future. If you request a copy from the Clerk's Office at a later date, you will be required to pay a fee.
`
`

`
`Case 15-60894-mgd Doc 12 Filed 10/09/15 Entered 10/10/15 01:50:37 Desc Imaged
` Certificate of Notice Page 3 of 4
` United States Bankruptcy Court
` Northern District of Georgia
`
`In re: Case No. 15-60894-mgd
`Anna Gayle Mercer Chapter 7
` Debtor
` CERTIFICATE OF NOTICE
`District/off: 113E-9 User: rodriguez Page 1 of 2 Date Rcvd: Oct 07, 2015
` Form ID: 182 Total Noticed: 29
`
`Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on
`Oct 09, 2015.
`db +Anna Gayle Mercer, 1960 Calvin Drive, Duluth, GA 30097-5113
`aty +Ashley A. DiGiulio, The DiGiulio Law Firm, LLC, Suite 108, 2985 Gordy Parkway,
` Marietta, GA 30066-3078
`19100908 +Cobb Electric Membership, PO Box 369, Marietta, GA 30061-0369
`19100913 +Dr. Jyothi N. Mattam, MD, North Atlanta Psychiatry, 3582 Old Milton Pkwy,
` Alpharetta, GA 30005-4465
`19100916 +Georgia Power Company, PO Box 105537, Atlanta, GA 30348-5537
`19100918 +Kessler & Solomiany, LLC, 101 Marietta Street Suite 3500, Atlanta, GA 30303-2716
`19100919 Lefkoff, Rubin, Gleason, Russo P.C., Atlanta, GA
`19100921 +National Medical Administrators, Inc, PO Box 924047, Norcross, GA 30010-4047
`19100924 +Ridgeview Institute, PO Box 924047, Norcross, GA 30010-4047
`19100925 +Shallowford Medical Center, PO Box 790113, St. Louis, MO 63179-0113
`19100926 +Stallings Financial Group, 1111 S Marietta Pkwy SE, Marietta, GA 30060-2885
`19100929 TD Retail Card Services, PO Box 11956, Newark, NJ 07101-4956
`19100931 +Wells Fargo, 5555 Glenridge Connector Suite 900, Atlanta, GA 30342-4762
`19100932 +Wellstar Health System, Inc, PO Box 742625, Atlanta, GA 30374-2625
`19100933 Wellstar Kennestone Hospital, PO Box 277356, Atlanta, GA 30384-7356
`19100936 +Willeo Creek at Roswell, 88 Barrington Oaks Ridge, Roswell, GA 30075-4788
`
`Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center.
`tr EDI: BJKKERR.COM Oct 07 2015 20:48:00 Jeffrey K. Kerr, Jeffrey K. Kerr & Company, LLC,
` Suite 130, 241 West Wieuca Road, NE, Atlanta, GA 30342-3300
`ust +E-mail/Text: ustpregion21.at.ecf@usdoj.gov Oct 07 2015 21:07:00
` Office of the United States Trustee, 362 Richard Russell Building, 75 Ted Turner Drive, SW,
` Atlanta, GA 30303-3315
`19100907 EDI: HNDA.COM Oct 07 2015 20:48:00 American Honda Finance, P.O. Box 105027,
` Atlanta, GA 30348-5027
`19100909 E-mail/Text: CENBSR_Bankruptcy@cable.comcast.com Oct 07 2015 21:07:48 Comcast,
` PO Box 530099, Atlanta, GA 30353-0099
`19100910 +EDI: WFNNB.COM Oct 07 2015 20:48:00 Comenity Bank, PO Box 182124,
` Columbus, OH 43218-2124
`19100911 EDI: DIRECTV.COM Oct 07 2015 20:48:00 Direct TV, PO Box 78626, Phoenix, AZ 85062-8626
`19100914 EDI: RMSC.COM Oct 07 2015 20:48:00 GE Capital Retail Bank, Po Box 530949,
` Atlanta, GA 30353-0949
`19100915 EDI: GADEPTOFREV.COM Oct 07 2015 20:49:00 Georgia Department of Revenue,
` 1800 Century Blvd Suite 9300, Atlanta, GA 30345
`19100917 EDI: IRS.COM Oct 07 2015 20:48:00 Internal Revenue Service, PO Box 145566,
` Cincinnati, OH 45250-5566
`19100923 EDI: AMSOUTH.COM Oct 07 2015 20:48:00 Regions Bank, PO Box 2224,
` Birmingham, AL 35246-0026
`19100927 E-mail/Text: bankruptcymortgage@suntrust.com Oct 07 2015 21:06:59 Suntrust Bank,
` PO Box 305053, Nashville, TN 37230-5053
`19100930 +E-mail/Text: bankruptcydepartment@tsico.com Oct 07 2015 21:07:52 Transworld Systems Inc,
` 507 Prudential Rd, Horsham, PA 19044-2308
`19104215 +E-mail/Text: usagan.bk@usdoj.gov Oct 07 2015 21:07:01 U. S. Attorney,
` 600 Richard B. Russell Bldg., 75 Spring Street, SW, Atlanta GA 30303-3315
` TOTAL: 13
`
` ***** BYPASSED RECIPIENTS (undeliverable, * duplicate) *****
`19100912 Diversified Consultants
`19100920 Midland Credit Management
`19100922 Northland Group Inc
`19100928 Synchrony Bank
`19100934 Weltman, Weinberg, and Reis Co.,LPA
`19100935 West Asset Management, Inc.
` TOTALS: 6, * 0, ## 0
`
`Addresses marked ’+’ were corrected by inserting the ZIP or replacing an incorrect ZIP.
`USPS regulations require that automation-compatible mail display the correct ZIP.
`
`I, Joseph Speetjens, declare under the penalty of perjury that I have sent the attached document to the above listed entities in the manner
`shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and belief.
`
`Meeting of Creditor Notices only (Official Form 9): Pursuant to Fed. R. Bank. P. 2002(a)(1), a notice containing the complete Social Security
`Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains the redacted SSN as required by the
`bankruptcy rules and the Judiciary’s privacy policies.
`
`Date: Oct 09, 2015 Signature: /s/Joseph Speetjens
`
`

`
`Case 15-60894-mgd Doc 12 Filed 10/09/15 Entered 10/10/15 01:50:37 Desc Imaged
` Certificate of Notice Page 4 of 4
`
`District/off: 113E-9 User: rodriguez Page 2 of 2 Date Rcvd: Oct 07, 2015
` Form ID: 182 Total Noticed: 29
`
`_
`
` CM/ECF NOTICE OF ELECTRONIC FILING
`
`The following persons/entities were sent notice through the court’s CM/ECF electronic mail (Email)
`system on October 7, 2015 at the address(es) listed below:
` Ashley A. DiGiulio on behalf of Debtor Anna Gayle Mercer ashley@atl-law.com
` Jeffrey K. Kerr jeff@jeffkerrcpa.com, melinda@jeffkerrcpa.com;ga51@ecfcbis.com
` Office of the United States Trustee ustpregion21.at.ecf@usdoj.gov
` TOTAL: 3