On February 10, 2020 a
Order
was filed
involving a dispute between
Citibank, N.A.,
and
Gasperich, Jessica G,
for Rule 3.740 Collections $10,000 or Less Limited
in the District Court of San Bernardino County.
Preview
9
jv1 r
s
Debtor 1 Jessica Grace Gasperich Social ITIN xxx xx 6353
Security number or
First NameMiddie Name Last Name EIN
Debtor 2 Social Security number or ITIN
First NameMiddle Name Last Name
SpousB iffiling
EIN
United States Bankruptcy Court Central District of California
Case number 6 20 bk 14165 SC
Order of Discharge Chapter 7 SCa 12 15
IT IS ORDERED A discharge under 11 U S C 727 is granted to
FI LED
S A
Jessica Grace Gasperich SAN ERNARDINO
COUN Y G
SAN BERivARDINO i lSTRICT
include all names
used by each debtor
including trade names
within
the 8 to the
years prior filing
ofthepetition Q CT a 2 2
Debtor 1 Discharge Date 9 28 20
Y
MALA 8 CHARD ePutY
Dated 2 2
By the court Scott C Clarkson
United States Bankruptcy Judge
Explanation of Bankruptcy Discharge in a Chapter 7 Case
This order does not close or dismiss the case
This order does not prevent debtors from paying
and it does not determine how much money if
any debt voluntarily or from paying reaffirmed
the trustee will pay creditors
any debts according to the reaffirmation agreement
11 U S C 524 c f
Creditors cannot coflect discharged debts
This order means that no one may make any Most debts are discharged
attempt to collect a discharged debt from the
Most debts are covered by the discharge but not
debtors personally For example creditors
all Generally a discharge removes the debtors
cannot sue garnish wages assert a
deficiency personal liability for debts owed before the
or otherwise
try to collect from the debtors debtors bankruptcy case was filed
personally on discharged debts Creditors cannot
contact 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 Code and was later converted
Creditors who violate this order can be required to chapter 7 debts owed before the conversion
to pay debtors damages and attorney s fees are discharged
However a creditor with a lien may enforce a
In a case involving community property Special
claim against the debtors to that
property subject
rules protect certain community property owned
lien unless the lien was avoided or eliminated by the debtor s spouse even if thatspouse did
For example a creditor may have the right to
not file a bankruptcy case
foreclose a home mortgage or repossess an
automobile
12 AUT
For more information see page 2
Official Form 318 CACBdodb CACodsc Order of Chapter 7 Discharge page 1
020636 77304020656019
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
This information is only a general summary
debts that the bankruptcy court has of the bankruptcy discharge some
decided or willdecide are not discharged exceptions exist Because the law is
this complicated you should consult an
in bankruptcy case
attorney to determine the exact effect of the
discharge in this case
debts for most fines penalties
forfeitures 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 Forrn 318CACBdodb CACodsc Order of Chapter 7 Discharge page 2
020636 77304020656019
Document Filed Date
October 05, 2020
Case Filing Date
February 10, 2020
Category
Rule 3.740 Collections $10,000 or Less Limited
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9 jv1 r s Debtor 1 Jessica Grace Gasperich Social ITIN xxx xx 6353 Security number or First NameMiddie Name Last Name EIN Debtor 2 Social Security number or ITIN First NameMiddle Name Last Name SpousB iffiling EIN United States Bankruptcy Court Central District of California Case number 6 20 bk 14165 SC Order of Discharge Chapter 7 SCa 12 15 IT IS ORDERED A discharge under 11 U S C 727 is granted to FI LED S A Jessica Grace Gasperich SAN ERNARDINO COUN Y G SAN BERivARDINO i lSTRICT include all names used by each debtor including trade names within the 8 to the years prior filing ofthepetition Q CT a 2 2 Debtor 1 Discharge Date 9 28 20 Y MALA 8 CHARD ePutY Dated 2 2 By the court Scott C Clarkson United States Bankruptcy Judge Explanation of Bankruptcy Discharge in a Chapter 7 Case This order does not close or dismiss the case This order does not prevent debtors from paying and it does not determine how much money if any debt voluntarily or from paying reaffirmed the trustee will pay creditors any debts according to the reaffirmation agreement 11 U S C 524 c f Creditors cannot coflect discharged debts This order means that no one may make any Most debts are discharged attempt to collect a discharged debt from the Most debts are covered by the discharge but not debtors personally For example creditors all Generally a discharge removes the debtors cannot sue garnish wages assert a deficiency personal liability for debts owed before the or otherwise try to collect from the debtors debtors bankruptcy case was filed personally on discharged debts Creditors cannot contact 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 Code and was later converted Creditors who violate this order can be required to chapter 7 debts owed before the conversion to pay debtors damages and attorney s fees are discharged However a creditor with a lien may enforce a In a case involving community property Special claim against the debtors to that property subject rules protect certain community property owned lien unless the lien was avoided or eliminated by the debtor s spouse even if thatspouse did For example a creditor may have the right to not file a bankruptcy case foreclose a home mortgage or repossess an automobile 12 AUT For more information see page 2 Official Form 318 CACBdodb CACodsc Order of Chapter 7 Discharge page 1 020636 77304020656019 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 This information is only a general summary debts that the bankruptcy court has of the bankruptcy discharge some decided or willdecide are not discharged exceptions exist Because the law is this complicated you should consult an in bankruptcy case attorney to determine the exact effect of the discharge in this case debts for most fines penalties forfeitures 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 Forrn 318CACBdodb CACodsc Order of Chapter 7 Discharge page 2 020636 77304020656019