On May 22, 2018 a
Order
was filed
involving a dispute between
Discover Bank,
and
Galang, Jose E,
for Rule 3.740 Collections $10,000 or Less Limited
in the District Court of San Bernardino County.
Preview
eoR fi
N
R S4T
Debtar 1 Jose Esguerra Gaiang Sociai Securiry nu ber orITIN c
U
First NameMiddle Name Name
ast
EIN j R
ST yf9
a
Debtor 2 Social Security num TIN M Q
First NameMiddie
Name Last Name
Q B
Spouse if
fifing J v
E
qTS
Uni te d Sta tes Ban kruptcy Cou rt
Cen tra l District of Ca lifornia L1
Case number 6 1 bk 15001 MH dFo
Qrder of Discnarge Chapter 7 y s
IT IS ORDEREQ A discharge under 11 U S C 727 is granted to
Jase Esguerra Galang
aka Jose E Galang
include a I
names used by each debtor
including trade names with sn
the 8 years prior to the filing of the petitian
Debtar 1 Discharge Date 10 2 18
Dated 1
By the court Mark D Houle
United States Bankruptcy Judge
Explanatian of Bankruptcy Discharge in a Chapter 7 Case
This order does not close ar dismiss the case This order does not prevent debtors fram paying
and it does not determine how much money if any debt voluntarily or from paying reaffirmed
any the trustee will pay creditors debts according to the reaffirmation agreerrtent
11 U S C 524 c f
Creditors cannot collect discharged debts
This order means hat no one may make any Most debts are discharged
attempt to callect a discharged debt from the Most debts are covered by the discharge but nat
debtors personal y or example creditors
all Generally a discharge removes the debtors
cannot sue garnish wages a
assert deficiency personal liability for debts owed before the
ar otherwise try ta collect from the debtors debtors bankruptcy case was filed
persanally on discharged debts Creditors cannot
cantact the debtors by mail phone or otherwise Also ifthis case began under a different chapter
in any attempt to collect the debt personally of the Bankruptcy Cade and was later converted
Creditors who violate this order can be required to chapter 7 debts owed before the conversion
ta pay debtors damages and attorney s fees are discharged
However a creditar with a lien may enforce a
In a case involving community property Special
claim against the debtors praperty subject to that
rules protect cerkain community property owned
lien unless the lien was avoicfed t relirrtinated
by the debtor s spause even if that spouse did
For example a creditor may have the right to nat file a bankruptcy case
foreclose a home mortgage or repossess an
autamobile
aiauT
Far more informatian see page 2
3o6s 7760402 096010
Some debts are not discharged
Also debts covered by a valid reaffirmation
Examples of debts that are not discharged are agreement are not discharged
debts that are domestic support In addition this discharge does not stop
obligations
creditors from collecting from anyone else who is
also liable on the debt such as an insurance
company or a person who cosigned or
debts for most student loans guaranteed a loan
debts for most taxes
debts that the bankruptcy
This information is only a general summary
court has of the bankruptcy discharge some
decided or will decide are not discharged
exceptions exist Because the law is
in thisbankruptcy case complicated you shoufd consult an
attorney to determine the exact effect of the
discharge in this case
debts for most fines penalties
forteitures or criminal restitution
obligations
some debts which the debtors did not
properly list
debts for certain types of loans owed to
pension profit sharing stock bonus or
retirement plans and
debts for death or personal injury caused
by operating a vehicle while intoxicated
Official Form 318 CACBdodb CACodsc Order of Chapter 7 Discharge
page 2
g
77604028096029
Document Filed Date
October 10, 2018
Case Filing Date
May 22, 2018
Category
Rule 3.740 Collections $10,000 or Less Limited
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eoR fi N R S4T Debtar 1 Jose Esguerra Gaiang Sociai Securiry nu ber orITIN c U First NameMiddle Name Name ast EIN j R ST yf9 a Debtor 2 Social Security num TIN M Q First NameMiddie Name Last Name Q B Spouse if fifing J v E qTS Uni te d Sta tes Ban kruptcy Cou rt Cen tra l District of Ca lifornia L1 Case number 6 1 bk 15001 MH dFo Qrder of Discnarge Chapter 7 y s IT IS ORDEREQ A discharge under 11 U S C 727 is granted to Jase Esguerra Galang aka Jose E Galang include a I names used by each debtor including trade names with sn the 8 years prior to the filing of the petitian Debtar 1 Discharge Date 10 2 18 Dated 1 By the court Mark D Houle United States Bankruptcy Judge Explanatian of Bankruptcy Discharge in a Chapter 7 Case This order does not close ar dismiss the case This order does not prevent debtors fram paying and it does not determine how much money if any debt voluntarily or from paying reaffirmed any the trustee will pay creditors debts according to the reaffirmation agreerrtent 11 U S C 524 c f Creditors cannot collect discharged debts This order means hat no one may make any Most debts are discharged attempt to callect a discharged debt from the Most debts are covered by the discharge but nat debtors personal y or example creditors all Generally a discharge removes the debtors cannot sue garnish wages a assert deficiency personal liability for debts owed before the ar otherwise try ta collect from the debtors debtors bankruptcy case was filed persanally on discharged debts Creditors cannot cantact the debtors by mail phone or otherwise Also ifthis case began under a different chapter in any attempt to collect the debt personally of the Bankruptcy Cade and was later converted Creditors who violate this order can be required to chapter 7 debts owed before the conversion ta pay debtors damages and attorney s fees are discharged However a creditar with a lien may enforce a In a case involving community property Special claim against the debtors praperty subject to that rules protect cerkain community property owned lien unless the lien was avoicfed t relirrtinated by the debtor s spause even if that spouse did For example a creditor may have the right to nat file a bankruptcy case foreclose a home mortgage or repossess an autamobile aiauT Far more informatian see page 2 3o6s 7760402 096010 Some debts are not discharged Also debts covered by a valid reaffirmation Examples of debts that are not discharged are agreement are not discharged debts that are domestic support In addition this discharge does not stop obligations creditors from collecting from anyone else who is also liable on the debt such as an insurance company or a person who cosigned or debts for most student loans guaranteed a loan debts for most taxes debts that the bankruptcy This information is only a general summary court has of the bankruptcy discharge some decided or will decide are not discharged exceptions exist Because the law is in thisbankruptcy case complicated you shoufd consult an attorney to determine the exact effect of the discharge in this case debts for most fines penalties forteitures or criminal restitution obligations some debts which the debtors did not properly list debts for certain types of loans owed to pension profit sharing stock bonus or retirement plans and debts for death or personal injury caused by operating a vehicle while intoxicated Official Form 318 CACBdodb CACodsc Order of Chapter 7 Discharge page 2 g 77604028096029