On November 20, 2013 a
Party Discovery
was filed
involving a dispute between
Discover Bank,
and
Ratts, Michael D,
for Collections-CRC3.740
in the District Court of San Bernardino County.
Preview
C I VD I I 4 I
SUPERIOR COURT
sts oeru Formts i2ni COUNTY OF SAN BERNARDINO
SAN BERNARDiNC nISTRICT
U611t@C tateS C UP t
B1f1ICrUptCy
Central District Of California SEP 0 4 2014
3420 Tweffth Street Riverside CA 92501 3819
r
BY
As oEPunr
DISCHARGE OF DEBTOR
DEBTOR INFORMATION BANKRUPTCY NO 6 14 bk 16699 MH
Michael Dale Ratts
CHAPTER 7
Last four digitsof Social Securit or Individual Taxpayer Identffication ITIN N s if any ocx a 6358
Employer Tax Identification EIN No s uf any N A
Debtor Discharge Date 9 2 14
Address
13246 Fordham Circle
VictorvilleCA 92392
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 Code the Bankruptcy Code SEE THE BACK OF THIS ORDER FOR EXCEPTIONS AND OTHER
IMPORTANT INFORMATION
BY THE COURT
Dated September 2 2014 Kathleen J Campbell
Cle k of the Court
Set forth all namesincluding trade names used by ihe debtor s wifhin ihe lasf 8 yearsFor joinf debforsset forfh thelast
four digifs of both social security numbers or individua
taxpayer idenfificafion numbers
Form b18DIS Revl220ll VAN 30 10 AUT
oo s36 74605007543018
i
t3 M Y r
N
4 A
fry I
y c
Bl8i Officiai Forcri l8 Cont t 1 f li
Rev lJl1 f I
ViI j i
EXPLANATION OF BANKRUP CY DISCHARGE
IN A CHAPTER 7 CASE
9
AF
A
1
ey
r
It is not a dismissal of the case it
e
1fiis courf 15rder grants a discharge to the person named as the debtor and
doe not determine how much money if any the trustee will pay to creditors
i
C ollection of Dis har Pd Debts I rolibited
The discharge prohibits any at empt 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 oiher property or to take any other action to collect a discharged debt from the debtor l i a t ase nivolvirig
community properry There are also special rules that protect certain community property owned by tl e debtor s
spouse even if that spouse did not file a bankruptcy case A creditor who violates this order can be require to ay
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 eliminafed in the banl i uptcy case Also a
debi or may voluntarily pay any debt thathas been dischargeci
Detits That are Discharged
T he chapter 7 discharge order eliminates a debtor s legal obligation to pay a debt that is disch u ged Most but
not all types of debts are discharged if the debt existed on the date the bankruptcy case was tiled If thiscase was
begun under a different chapter of the Bankruptcy Code and converted to chapter 7 the discharge a plies to debts
ow d when the bankruptcy case was converted
i
iMbts That are Not Dischar d
Some of the common types of debts which are dischazged in a chapter 7 banl ivptcy 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 criminai restitution obligations
f Debts for personal injuries or death caused by the debtor s operation of a motor vehicle vessel or aiccraft
while intoxicated
S Some debts which were not properly listed by the debtor
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 bankruptcy case are not discharged
i Deb s for which the debtor has given up the discharge protections by signing a reat tiirnation agreement in
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 I hrift Savings
Plan for federal employees for certain types of loans om these plans
This information is only a general summary of the bankruptcy discharge There are exceptions to these general
Be law is complicated you may want to consult an attorney to determine the exact effect of d e
n
d
z
g ase
0
om o
z
n oi o c
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zD
o0
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a
oo s36 746050075 43018
Document Filed Date
September 08, 2014
Case Filing Date
November 20, 2013
Category
Collections-CRC3.740
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C I VD I I 4 I SUPERIOR COURT sts oeru Formts i2ni COUNTY OF SAN BERNARDINO SAN BERNARDiNC nISTRICT U611t@C tateS C UP t B1f1ICrUptCy Central District Of California SEP 0 4 2014 3420 Tweffth Street Riverside CA 92501 3819 r BY As oEPunr DISCHARGE OF DEBTOR DEBTOR INFORMATION BANKRUPTCY NO 6 14 bk 16699 MH Michael Dale Ratts CHAPTER 7 Last four digitsof Social Securit or Individual Taxpayer Identffication ITIN N s if any ocx a 6358 Employer Tax Identification EIN No s uf any N A Debtor Discharge Date 9 2 14 Address 13246 Fordham Circle VictorvilleCA 92392 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 Code the Bankruptcy Code SEE THE BACK OF THIS ORDER FOR EXCEPTIONS AND OTHER IMPORTANT INFORMATION BY THE COURT Dated September 2 2014 Kathleen J Campbell Cle k of the Court Set forth all namesincluding trade names used by ihe debtor s wifhin ihe lasf 8 yearsFor joinf debforsset forfh thelast four digifs of both social security numbers or individua taxpayer idenfificafion numbers Form b18DIS Revl220ll VAN 30 10 AUT oo s36 74605007543018 i t3 M Y r N 4 A fry I y c Bl8i Officiai Forcri l8 Cont t 1 f li Rev lJl1 f I ViI j i EXPLANATION OF BANKRUP CY DISCHARGE IN A CHAPTER 7 CASE 9 AF A 1 ey r It is not a dismissal of the case it e 1fiis courf 15rder grants a discharge to the person named as the debtor and doe not determine how much money if any the trustee will pay to creditors i C ollection of Dis har Pd Debts I rolibited The discharge prohibits any at empt 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 oiher property or to take any other action to collect a discharged debt from the debtor l i a t ase nivolvirig community properry There are also special rules that protect certain community property owned by tl e debtor s spouse even if that spouse did not file a bankruptcy case A creditor who violates this order can be require to ay 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 eliminafed in the banl i uptcy case Also a debi or may voluntarily pay any debt thathas been dischargeci Detits That are Discharged T he chapter 7 discharge order eliminates a debtor s legal obligation to pay a debt that is disch u ged Most but not all types of debts are discharged if the debt existed on the date the bankruptcy case was tiled If thiscase was begun under a different chapter of the Bankruptcy Code and converted to chapter 7 the discharge a plies to debts ow d when the bankruptcy case was converted i iMbts That are Not Dischar d Some of the common types of debts which are dischazged in a chapter 7 banl ivptcy 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 criminai restitution obligations f Debts for personal injuries or death caused by the debtor s operation of a motor vehicle vessel or aiccraft while intoxicated S Some debts which were not properly listed by the debtor 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 bankruptcy case are not discharged i Deb s for which the debtor has given up the discharge protections by signing a reat tiirnation agreement in 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 I hrift Savings Plan for federal employees for certain types of loans om these plans This information is only a general summary of the bankruptcy discharge There are exceptions to these general Be law is complicated you may want to consult an attorney to determine the exact effect of d e n d z g ase 0 om o z n oi o c o o zD o0 oz a oo s36 746050075 43018