Case 09-31231 Doc 361 Filed 08/31/10 Entered 08/31/10 10:13:15 Desc Main Document Page 1 of 2 OFFICIAL FORM B9A (Chapter 7 Individual or Joint Debtor No Asset Case) (12/07) Case Number 09−31231 hjb UNITED STATES BANKRUPTCY COURT District of Massachusetts Notice of Chapter 7 Bankruptcy Case, Meeting of Creditors, & Deadlines A bankruptcy case concerning the debtor(s) listed below was originally filed under chapter 11 on 7/20/09 and was converted to a case under chapter 7 on 1/8/10. You may be a creditor of the debtor. This notice lists important deadlines. You may want to consult an attorney to protect your rights. All documents filed in the case may be inspected at the bankruptcy clerk's office at the address listed below. NOTE: The staff of the bankruptcy clerk's office cannot give legal advice. See Reverse Side For Important Explanations Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address): David W Berry Sr. dba Berry Construction, dba Berry Transportation 106 Coes Hill Road Southwick, MA 01077 Case Number: Social Security/Taxpayer ID/Employer ID/Other Nos.: 09−31231 xxx−xx−7372 Attorney for Debtor(s) (name and address): Bankruptcy Trustee (name and address): James P. Ehrhard Joseph B. Collins−Tr Ehrhard & Associates, P.C. Hendel & Collins P.C. 418 Main Street 101 State Street 4th Floor Springfield, MA 01103 Worcester, MA 01608 Telephone number: 413−734−6411 Telephone number: 508−791−8411 Meeting of Creditors Date: February 9, 2010 Time: 09:00 AM Location: 511 East Columbus Avenue, Suite 101, Springfield, MA 01105 Presumption of Abuse under 11 U.S.C. § 707(b) See "Presumption of Abuse" on reverse side. The presumption of abuse does not arise. Deadlines: Papers must be received by the bankruptcy clerk's office by the following deadlines: Deadline to File a Complaint Objecting to Discharge of the Debtor or to Determine Dischargeability of Certain Debts: 4/12/10 Deadline to Object to Exemptions: Thirty (30) days after the conclusion of the meeting of creditors. Deadline for Debtor(s) to attend a Financial Management Training approved by the UST: Forty−five days from the first date set for the §341 meeting. Failure to file a debtor(s) certificate of completion with the Court will prevent the entry of the Debtor(s) discharge. Creditors May Not Take Certain Actions: In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor and the debtor's property. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to extend or impose a stay. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized. Consult a lawyer to determine your rights in this case. Please Do Not File a Proof of Claim Unless You Receive a Notice To Do So. Foreign Creditors A creditor to whom this notice is sent at a foreign address should read the information under "Do Not File a Proof of Claim at This Time" on the reverse side. Address of the Bankruptcy Clerk's Office: For the Court: U.S. Bankruptcy Court Clerk of the Bankruptcy Court: 300 State Street, Suite 220 James M. Lynch Springfield, MA 01105 Telephone number: 413−785−6900 Hours Open: Monday − Friday 8:30 AM − 5:00 PM Date: 1/8/10 Case 09-31231 Doc 361 Filed 08/31/10 Entered 08/31/10 10:13:15 Desc Main Document Page 2 of 2 EXPLANATIONS FORM B9A (10/05) Filing of Chapter 7 A bankruptcy case under Chapter 7 of the Bankruptcy Code (title 11, United States Code) has been filed in this court Bankruptcy Case by or against the debtor(s) listed on the front side, and an order for relief has been entered. Legal Advice The staff of the bankruptcy clerk's office cannot give legal advice. Consult a lawyer to determine your rights in this case. Creditors Generally Prohibited collection actions are listed in Bankruptcy Code §362. Common examples of prohibited actions include May Not Take Certain contacting the debtor by telephone, mail or otherwise to demand repayment; taking actions to collect money or Actions obtain property from the debtor; repossessing the debtor's property; starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor's wages. Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to extend or impose a stay. Presumption of Abuse If the presumption of abuse arises, creditors may have the right to file a motion to dismiss the case under § 707(b) of the Bankruptcy Code. The debtor may rebut the presumption by showing special circumstances. Meeting of Creditors A meeting of creditors is scheduled for the date, time and location listed on the front side. The debtor (both spouses in a joint case) must be present at the meeting to be questioned under oath by the trustee and by creditors. Creditors are welcome to attend, but are not required to do so. The meeting may be continued and concluded at a later date without further notice. Do Not File a Proof of There does not appear to be any property available to the trustee to pay creditors. You therefore should not file a Claim at This Time proof of claim at this time. If it later appears that assets are available to pay creditors, you will be sent another notice telling you that you may file a proof of claim, and telling you the deadline for filing your proof of claim. If this notice is mailed to a creditor at a foreign address, the creditor may file a motion requesting the court to extend the deadline. Debtor(s) Financial The Debtor(s) discharge will not enter if the Debtor(s) fails to attend a financial management training program Management Training approved by the US Trustee or if the Debtor(s) attends such training and fails to file a debtor(s) certificate of Deadline completion with the U.S. Bankruptcy Court. This training is in addition to the prebankruptcy counseling requirement. A list of approved courses may be obtained from the U.S. Trustee office or from the Court website at www.mab.uscourts.gov. Discharge of Debts The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you may never try to collect the debt from the debtor. If you believe that the debtor is not entitled to receive a discharge under Bankruptcy Code §727(a) or that a debt owed to you is not dischargeable under Bankruptcy Code §523(a)(2), (4), or (6), you must start a lawsuit by filing a complaint in the bankruptcy clerk's office by the "Deadline to File a Complaint Objecting to Discharge of the Debtor or to Determine Dischargeability of Certain Debts" listed on the front side. The bankruptcy clerk's office must receive the complaint and any required filing fee by that Deadline. Exempt Property The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributed to creditors. The debtor must file a list of all property claimed as exempt. You may inspect that list at the bankruptcy clerk's office. If you believe that an exemption claimed by the debtor is not authorized by law, you may file an objection to that exemption. The bankruptcy clerk's office must receive the objections by the "Deadline to Object to Exemptions" listed on the front side. Bankruptcy Clerk's Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk's office at the address listed Office on the front side. You may inspect all papers filed, including the list of the debtor's property and debts and the list of the property claimed as exempt, at the bankruptcy clerk's office. Foreign Creditors Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights in this case. −− Refer to Other Side for Important Deadlines and Notices −−