On June 10, 2014 a
Party Discovery
was filed
involving a dispute between
Mct Group,
and
Straley, Elizabeth,
for Rule 3.740 Collections $10,000 or Less Limited
in the District Court of San Bernardino County.
Preview
B 8 Offi ial F r
ini8 12 1 l U Slu I
United States Bankruptcy Court
Central Dis4rict Of California
3420 Twelfth Street Riverside CA 92501 3819
a
DISCHARGE OF DEBTOR
DEBTOR INFORMATION BANKRUPTCY NO 6 14 bk 20437 MW
Elizabeth Straley
fka Elizabeth Ramirez CHAPTER 7
Last four digits of Social Security or Individuaf Taxpayer Identrfication ITIN No s if any cc 6
Employer Tax Identification EIN No s if any N A tl
Debtor Discharge Date 11 24 14 SUPERIOR COURT OF CALIFORNIA
COUNTY OF SAN BERNARDINO
SAN BERNARDINO DISTRICT
aaa ss
7950 Etiwanda Ave 13105
DEC 02 2014
Rancho Cucamonga CA 91739
It appearing that thedebtor isentitled to a
discharge IT IS ORDERED The debtor isgrantefSl Pg y n ctiorp
of title 11
United States Code the Bankruptcy Code SEE THE BACK OF THIS ORDER FOR EXCEPTIONSAND Ol HER
IMPORTANT INFORMATION
BY THE COURT
Dated November 24 2014 Kathleen J Campbell
Clerk of the Court
Set forthall names including trade names used by fhe debfor s within the last 8 yearsFor joint debtorssef forthfhe last
four digits of bofh social
security numbers or individual faxpayer identificafion numbers
Form bl8 DISRev 1220lL VAN 30 13 AUT
r n r
a
R
A
9
Lfi
1
1i
DEC 0 2 2 14
SUPERIOR COURT OF CALIFORNIA
COUN7Y OF SAN BERNARDINO
CIVIL DIV SION
oo z3s 82905007242010
R
s is rotcx F is coo
Rev 12 11
EXPLANATION OF BANKRUPTCY DISCHARGE
ry IN A CHAP ER 7 CASE
This court order grants a dischazge 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 craditors
Collection of Dicrhar ed Deb ProlLibited
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 r to talce any other action to collect a discharged debt from the debtor In a case involving
communtryproperry Tliere are also special rules that protect certain community property owned by the debtor s
spouse even if that spoase did not file a bankruptcy case J 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 no avoided or eliminated in the bankruptcy case Also a
f
debtor may voluntarily pay 1 any debt that has been discharged
Debts That are Dischar ed
T he chapter 7 discharge order eliminates a debtor s legal obligation to pay a debt that is discharged Most bu
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
i bL That are Not Disc hare d
Some of the common types of debts which are o discharged in a chapter 7 bankruptcy case are
a Debts for most taxes
b Debts incurred to pay nondischargeable taxes
Debts that are domestic support obligations
d Debts for most student loans
e Debts for most fines penalties forfeitures or criminal resdtution 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
h Debts that the bankruptcy court under section 523 of the Bankruptcy Code or other applicable law
specifically has decided or will decide in this bankivptcy case are not discharged
i Debts for which the debtor has given up the discharge protections by signing a reaffirmation agreement iq
compliance with the Bankruptcy Code requirements for reaffumation of debts and
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
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 attomey to determine the exact effect of the
discharge in this case
oo 23s 82905007242010
Document Filed Date
December 02, 2014
Case Filing Date
June 10, 2014
Category
Rule 3.740 Collections $10,000 or Less Limited
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Preview
B 8 Offi ial F r ini8 12 1 l U Slu I United States Bankruptcy Court Central Dis4rict Of California 3420 Twelfth Street Riverside CA 92501 3819 a DISCHARGE OF DEBTOR DEBTOR INFORMATION BANKRUPTCY NO 6 14 bk 20437 MW Elizabeth Straley fka Elizabeth Ramirez CHAPTER 7 Last four digits of Social Security or Individuaf Taxpayer Identrfication ITIN No s if any cc 6 Employer Tax Identification EIN No s if any N A tl Debtor Discharge Date 11 24 14 SUPERIOR COURT OF CALIFORNIA COUNTY OF SAN BERNARDINO SAN BERNARDINO DISTRICT aaa ss 7950 Etiwanda Ave 13105 DEC 02 2014 Rancho Cucamonga CA 91739 It appearing that thedebtor isentitled to a discharge IT IS ORDERED The debtor isgrantefSl Pg y n ctiorp of title 11 United States Code the Bankruptcy Code SEE THE BACK OF THIS ORDER FOR EXCEPTIONSAND Ol HER IMPORTANT INFORMATION BY THE COURT Dated November 24 2014 Kathleen J Campbell Clerk of the Court Set forthall names including trade names used by fhe debfor s within the last 8 yearsFor joint debtorssef forthfhe last four digits of bofh social security numbers or individual faxpayer identificafion numbers Form bl8 DISRev 1220lL VAN 30 13 AUT r n r a R A 9 Lfi 1 1i DEC 0 2 2 14 SUPERIOR COURT OF CALIFORNIA COUN7Y OF SAN BERNARDINO CIVIL DIV SION oo z3s 82905007242010 R s is rotcx F is coo Rev 12 11 EXPLANATION OF BANKRUPTCY DISCHARGE ry IN A CHAP ER 7 CASE This court order grants a dischazge 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 craditors Collection of Dicrhar ed Deb ProlLibited 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 r to talce any other action to collect a discharged debt from the debtor In a case involving communtryproperry Tliere are also special rules that protect certain community property owned by the debtor s spouse even if that spoase did not file a bankruptcy case J 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 no avoided or eliminated in the bankruptcy case Also a f debtor may voluntarily pay 1 any debt that has been discharged Debts That are Dischar ed T he chapter 7 discharge order eliminates a debtor s legal obligation to pay a debt that is discharged Most bu 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 i bL That are Not Disc hare d Some of the common types of debts which are o discharged in a chapter 7 bankruptcy case are a Debts for most taxes b Debts incurred to pay nondischargeable taxes Debts that are domestic support obligations d Debts for most student loans e Debts for most fines penalties forfeitures or criminal resdtution 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 h Debts that the bankruptcy court under section 523 of the Bankruptcy Code or other applicable law specifically has decided or will decide in this bankivptcy case are not discharged i Debts for which the debtor has given up the discharge protections by signing a reaffirmation agreement iq compliance with the Bankruptcy Code requirements for reaffumation of debts and 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 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 attomey to determine the exact effect of the discharge in this case oo 23s 82905007242010