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EXPLANATIONS

B9C (Official Form 9C) (12/12)

Filing of Chapter 7

A bankruptcy case under Chapter 7 of the Bankruptcy Code (title 11, United States Code) has been filed in

Bankruptcy Case

this court 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 May

Prohibited collection actions are listed in Bankruptcy Code § 362. Common examples of prohibited actions

Not Take Certain Actions

include contacting the debtor by telephone, mail, or otherwise to demand repayment; taking actions to collect

money or 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.

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 specified in a notice filed with the court.

Claims

A Proof of Claim is a signed statement describing a creditor’s claim. If a Proof of Claim form is not included

with this notice, you can obtain one at any bankruptcy clerk’s office. A secured creditor retains rights in its

collateral regardless of whether that creditor files a Proof of Claim. If you do not file a Proof of Claim by the

“Deadline to File a Proof of Claim” listed on the front side, you might not be paid any money on your claim

from other assets in the bankruptcy case. To be paid, you must file a Proof of Claim even if your claim is

listed in the schedules filed by the debtor. Filing a Proof of Claim submits the creditor to the jurisdiction of

the bankruptcy court, with consequences a lawyer can explain. For example, a secured creditor who files a

Proof of Claim may surrender important nonmonetary rights, including the right to a jury trial. Filing

Deadline for a Creditor with a Foreign Address: The deadlines for filing claims set forth on the front of this

notice apply to all creditors. If this notice has been mailed to a creditor at a foreign address, the creditor may

file a motion requesting the court to extend the deadline.

Do not include this notice with any filing you make with the court.

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 file a complaint -- or a motion if you assert the discharge should be

denied under § 727(a)(8) or (a)(9) -- in the bankruptcy clerk’s office by the “Deadline to Object to Debtor’s

Discharge or to Challenge the Dischargeability of Certain Debts” listed on the front of this form. The

bankruptcy clerk’s office must receive the complaint or motion 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.

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.

Bankruptcy Clerk’s Office

Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk’s office at the address

listed 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.

Liquidation of the Debtor’s

The bankruptcy trustee listed on the front of this notice will collect and sell the debtor’s property that is not

Property and Payment of

exempt. If the trustee can collect enough money, creditors may be paid some or all of the debts owed to them,

Creditors’ Claims

in the order specified by the Bankruptcy Code. To make sure you receive any share of that money, you must

file a Proof of Claim, as described above.

Creditor with a Foreign

Consult a lawyer familiar with United States bankruptcy law if you have any questions regarding your rights

Address

in this case.

Refer To Other Side For Important Deadlines and Notices

Official Form 9c - Notice Of Chapter 7 Bankruptcy Case, Meeting Of Creditors, & Deadlines 2012 Page 2

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