Case:15-10876-EEB Doc#:11 Filed:02/05/15

Entered:02/05/15 22:43:34 Page1 of 4

United States Bankruptcy Court

District of Colorado
In re:
John P. Giduck
Debtor
District/off: 1082-1

Case No. 15-10876-EEB

Chapter 7

CERTIFICATE OF NOTICE
User: lopezb
Form ID: 769

Page 1 of 2
Total Noticed: 24

Date Rcvd: Feb 03, 2015

Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on
Feb 05, 2015.
db
+John P. Giduck,
7994 Faith Court,
Frederick, CO 80530-4800
ust
+US Trustee, 7,
Bryon G. Rogers Federal Building,
1961 Stout St.,
Ste. 12-200,
Denver, CO 80294-1961
16517848
Colorado Department of Revenue,
Tax Audit Compliance Div.,
PO Box 17087,
Denver, CO 80217-0087
16517849
+Ellen Czapran,
659 Crawford Circle,
Longmont, CO 80504-1300
16517850
+H. Andrew G. Ringel,
Hall & Evans, LLC,
1001 17th Street, Suite 300,
Denver, CO 80202-2084
16517851
+Herbert C. Phillips,
Heyes, Phillips, Hoffman & Carberry, PC,
PO Box 1046,
Fairplay, CO 80440-1046
16517853
+Herkimer Area Resource Center,
PO Box 271,
350 South Washington St.,
Herkimer, NY 13350-2426
16517855
+Jay Harrison,
300 Cardinal Street,
Pooler, GA 31322-1707
16517856
+Joe Niblett,
6746 NW 43rd Place,
Coral Springs, FL 33067-3003
16517857
Joseph Bail,
211 E. Parkway Ave.,
Chester, PA 19013-4610
16517859
+Lawrence G. Katz,
Foster Graham Milstein & Calisher, LLP,
360 S. Garfield Street, 6th Floor,
Denver, CO 80209-3136
16517860
+LexisNexis,
555 Middlecreek Parkway,
Colorado Springs, CO 80921-3783
16517861
+Merdock Webbing Company, Inc.,
27 Foundry St.,
Central Falls, RI 02863-2348
16517862
+Shari Nicoletti-Giduck,
7994 Faith Court,
Frederick, CO 80530-4800
16517863
+Tracy Paul-Warrington,
3609 Blakely Street,
Schertz, TX 78154-2668
Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center.
aty
E-mail/Text: david.warner@sendwass.com Feb 04 2015 00:03:39
David Warner,
1660 Lincoln St.,
Ste. 2200,
Denver, CO 80264
tr
+EDI: QJLOFSTEDT.COM Feb 04 2015 00:03:00
Joli A. Lofstedt,
950 Spruce St.,
Ste. 1C,
Louisville, CO 80027-1977
16517844
+EDI: GMACFS.COM Feb 04 2015 00:03:00
Ally Financial,
200 Renaissance Center,
Detroit, MI 48243-1300
16517845
EDI: CAPITALONE.COM Feb 04 2015 00:03:00
Capital One,
PO Box 60599,
City Of Industry, CA 91716-0599
16517846
EDI: CHASE.COM Feb 04 2015 00:03:00
Chase,
Cardmember Service,
PO Box 94014,
Palatine, IL 60094-4014
16517847
EDI: CITICORP.COM Feb 04 2015 00:03:00
Citicard,
Processing Center,
Des Moines, IA 50363-0001
16517854
EDI: IRS.COM Feb 04 2015 00:03:00
Internal Revenue Service,
1999 Broadway,
MS 5012 DEN,
Denver, CO 80202
16517858
+E-mail/Text: inbound_collections@keybank.com Feb 04 2015 00:15:08
Key Bank,
4910 Tiedeman Road,
Brooklyn, OH 44144-2338
16517864
+E-mail/Text: btooley@wsmtlaw.com Feb 04 2015 00:15:15
William R. Rapson,
C/O Welborn, Sullivan, Meck & Tooley, PC,
1125 17th Street, Suite 2200,
Denver, CO 80202-2024
TOTAL: 9
16517852*

***** BYPASSED RECIPIENTS (undeliverable, * duplicate) *****

+Herbert C. Phillips,
Heyes, Phillips, Hoffman & Carberry, PC,
Fairplay, CO 80440-1046

P.O. Box 1046,

TOTALS: 0, * 1, ## 0

Addresses marked + were corrected by inserting the ZIP or replacing an incorrect ZIP.
USPS regulations require that automation-compatible mail display the correct ZIP.

I, Joseph Speetjens, declare under the penalty of perjury that I have sent the attached document to the above listed entities in the manner
shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and belief.
Meeting of Creditor Notices only (Official Form 9): Pursuant to Fed. R. Bank. P. 2002(a)(1), a notice containing the complete Social Security
Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains the redacted SSN as required by the
bankruptcy rules and the Judiciarys privacy policies.
Date: Feb 05, 2015

Signature: /s/Joseph Speetjens

CM/ECF NOTICE OF ELECTRONIC FILING

Case:15-10876-EEB Doc#:11 Filed:02/05/15

District/off: 1082-1

User: lopezb
Form ID: 769

Entered:02/05/15 22:43:34 Page2 of 4

Page 2 of 2
Total Noticed: 24

Date Rcvd: Feb 03, 2015

The following persons/entities were sent notice through the courts CM/ECF electronic mail (Email)
system on January 30, 2015 at the address(es) listed below:
David Warner
on behalf of Debtor John P. Giduck david.warner@sendwass.com,
JRees@sww-legal.com;CFarris@sww-legal.com
Joli A. Lofstedt
joli@crlpc.com, jlofstedt@ecf.epiqsystems.com
US Trustee
USTPRegion19.DV.ECF@usdoj.gov
TOTAL: 3

Case:15-10876-EEB Doc#:11 Filed:02/05/15

Entered:02/05/15 22:43:34 Page3 of 4

FORM B9A (Chapter 7 Individual or Joint Debtor No Asset Case #769 / b9a_7cna.jsp) (05/13)

Case Number 1510876EEB

UNITED STATES BANKRUPTCY COURT

District of Colorado

Notice of Chapter 7 Bankruptcy Case, Meeting of Creditors, & Deadlines

A chapter 7 bankruptcy case concerning the debtor(s) listed below was filed on 1/30/15.
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.

Creditors Do not file this notice in connection with any proof of claim you submit to the court.
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):
John P. Giduck
7994 Faith Court
Frederick, CO 80530
Case Number:
1510876EEB
Attorney for Debtor(s) (name and address):
David Warner
1660 Lincoln St.
Ste. 2200
Denver, CO 80264
Telephone number: 3032961999

Social Security/Taxpayer ID/Employer ID/Other Nos.:

xxxxx5436
Bankruptcy Trustee (name and address):
Joli A. Lofstedt
950 Spruce St.
Ste. 1C
Louisville, CO 80027
Telephone number: 3036619292

Meeting of Creditors
Date: March 6, 2015
Time: 08:00 AM
Location: Larimer County Courthouse Bldg, 200 W. Oak Room 233, Fort Collins, CO 80521

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 Object to Debtor's Discharge or to Challenge Dischargeability of Certain Debts: 5/5/15

Deadline to Object to Exemptions:

Thirty (30) days after the conclusion of the meeting of creditors.

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.
Creditor with a Foreign Address:
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.

Deadline to Provide Documents and Notice of Possible Dismissal:

Pursuant to 11 U.S.C. 521(e)(2), Federal Bankruptcy Rule 4002 and L.B.R. 10172, no later than seven court days prior to the original
date set for the first meeting of creditors, the debtor shall provide to the case trustee a copy of the Federal income tax return required under
applicable law, or a transcript of such return, for the most recent tax year ending immediately before the commencement of the case and for
which a Federal income tax return is filed, and provide the same tax information to creditors that requested a copy at least fourteen days
prior to the meeting of creditors. The failure to comply will result in dismissal of the debtor's case unless the debtor demonstrates that the
failure to so comply is due to circumstances beyond the control of the debtor. L.B.R. 10172.
Pursuant to Federal Bankruptcy Rule 4002, the debtor shall bring the meeting of creditors: 1) picture identification issued by a
governmental unit, or other personal identifying information that establishes the debtor's identity and evidence of a social security number
or a written statement that such documentation does not exist; 2) documents or copies or a written statement that such documentation does
not exist of a) current income such as the most recent payment advice, pay stub, or earnings statement; b) statements for each of the debtor's
depository (bank, credit union) and investment accounts for the time period that includes the date of the filing of the petition; and 3)
documentation of monthly expenses claimed by a debtor as required under 11 U.S.C. 707(b)(2)(A) or (B).

Case:15-10876-EEB Doc#:11 Filed:02/05/15

Entered:02/05/15 22:43:34 Page4 of 4

Pursuant to Local Bankruptcy Rule 10173(a), you are hereby notified that if this case was filed as deficient, it is subject to the
United States Trustee's Standing Motion to Dismiss and/or the dismissal provisions of 11 U.S.C. 521(i).
Address of the Bankruptcy Clerk's Office:
US Bankruptcy Court
US Custom House
721 19th St.
Denver, CO 802022508
Telephone number: 7209047300
Hours Open: Monday Friday 8:00 AM 5:00 PM

Filing of Chapter 7
Bankruptcy Case
Appointment of
Interim Trustee

Legal Advice

For the Court:

Clerk of the Bankruptcy Court:
s/ Kenneth S. Gardner

Date: 2/3/15

EXPLANATIONS
FORM B9A_7cna (12/10)
A bankruptcy case under Chapter 7 of the Bankruptcy Code (title 11, United States Code) has been filed in this court
by or against the debtor(s) listed on the front side, and an order for relief has been entered.
The person designated as Bankruptcy Trustee on the front side of this form has been selected as Interim Trustee of
the estate of the captioned debtor(s) and the trustee's previouslyfiled blanket bond is approved. Unless another
trustee is elected at the meeting of creditors, the trustee shall serve without further appointment or qualification. The
trustee is deemed to have accepted the appointment, unless the trustee notifies the Court and the U. S. Trustee in
writing of any rejection within seven days after receipt of notice of selection.
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
specified in a notice filed with the court.

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.
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(a2), (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.

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.

Creditor with a
Foreign Address

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

Trustee's Sale of
Assets

At the meeting of creditors, the trustee may announce an intention to sell nonexempt tangible property of the estate
if the aggregate gross value of all nonexempt property is less than $2,500. Any objections to said announcement
must be filed in writing with the clerk and served upon the trustee within 14 days of the meeting.

Refer to Other Side for Important Deadlines and Notices