!aaassseee      000888-­-­-444555888888666-­-­-rrrfffnnn777                        DDDoooccc      222666                        FFFiiillleeeddd      000333///111444///000999                        EEEnnnttteeerrreeeddd      000333///111555///000999    

 000000:::000999:::222666                        DDDeeesssccc      IIImmmaaagggeeeddd      !eeerrrtttiiifffiiicccaaattteee      ooofff      SSSeeerrrvvviiiccceee                        PPPaaagggeee      111      ooofff      333
B18 (Official Form 18) (12/07)

United States Bankruptcy Court
Northern District of Texas
Case No. 08−45886−rfn7 Chapter 7 In re Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, trade, and address): Matt Jan Biran Teresa Urszula Biran dba Cardinal Coach Line Inc., dba Agency 4 Waycross Court STS Inc. Mansfield, TX 76063 4 Waycross Court Mansfield, TX 76063 Social Security / Individual Taxpayer ID No.: xxx−xx−6034 Employer Tax ID / Other nos.: xxx−xx−9184

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).

BY THE COURT Dated: 3/11/09 Russell F. Nelms United States Bankruptcy Judge


!aaassseee      000888-­-­-444555888888666-­-­-rrrfffnnn777                        DDDoooccc      222666                        FFFiiillleeeddd      000333///111444///000999                        EEEnnnttteeerrreeeddd      000333///111555///000999      000000:::000999:::222666                        DDDeeesssccc      IIImmmaaagggeeeddd      !eeerrrtttiiifffiiicccaaattteee      ooofff      SSSeeerrrvvviiiccceee                        PPPaaagggeee      222      ooofff      333
B18 (Official Form 18) (12/07) − Cont.

EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER 7 CASE This court order grants a discharge to the person named as the debtor. It is not a dismissal of the case and it does not determine how much money, if any, the trustee will pay to creditors. Collection of Discharged Debts Prohibited The discharge prohibits any attempt 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 other property, or to take any other action to collect a discharged debt from the debtor. [In a case involving community property: There are also special rules that protect certain community property owned by the debtor's spouse, even if that spouse did not file a bankruptcy case.] A creditor who violates this order can be required to pay 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 eliminated in the bankruptcy case. Also, a debtor may voluntarily pay any debt that has been discharged. Debts That are Discharged The chapter 7 discharge order eliminates a debtor's legal obligation to pay a debt that is discharged. Most, but not all, types of debts are discharged if the debt existed on the date the bankruptcy case was filed. (If this case was begun under a different chapter of the Bankruptcy Code and converted to chapter 7, the discharge applies to debts owed when the bankruptcy case was converted.) Debts That are Not Discharged Some of the common types of debts which are not discharged in a chapter 7 bankruptcy case are: a. Debts for most taxes; b. Debts incurred to pay nondischargeable taxes; c. Debts that are domestic support obligations; d. Debts for most student loans; e. Debts for most fines, penalties, forfeitures, or criminal restitution obligations; f. Debts for personal injuries or death caused by the debtor's operation of a motor vehicle, vessel, or aircraft while intoxicated; g. Some debts which were not properly listed by the debtor; h. Debts that the bankruptcy court specifically has decided or will decide in this bankruptcy case are not discharged; i. Debts for which the debtor has given up the discharge protections by signing a reaffirmation agreement in compliance with the Bankruptcy Code requirements for reaffirmation of debts; and j. Debts owed to certain pension, profit sharing, stock bonus, other retirement plans, or to the Thrift Savings Plan for federal employees for certain types of loans from these plans.

This information is only a general summary of the bankruptcy discharge. There are exceptions to these general rules. Because the law is complicated, you may want to consult an attorney to determine the exact effect of the discharge in this case.

!aaassseee      000888-­-­-444555888888666-­-­-rrrfffnnn777                        DDDoooccc      222666                        FFFiiillleeeddd      000333///111444///000999                        EEEnnnttteeerrreeeddd      000333///111555///000999      000000:::000999:::222666                        DDDeeesssccc      IIImmmaaagggeeeddd      !eeerrrtttiiifffiiicccaaattteee      ooofff      SSSeeerrrvvviiiccceee                        PPPaaagggeee      333      ooofff      333

User: admin Form ID: b18 Page 1 of 1 Total Served: 29

District/off: 0539-4 Case: 08-45886

Date Rcvd: Mar 12, 2009

The following entities were served by first class mail on Mar 14, 2009. db/jdb +Matt Jan Biran, Teresa Urszula Biran, 4 Waycross Court, Mansfield, TX 76063-2888 cr +Compass Bank, P.O. BOX 201347, ARLINGTON, TX 76006-1347 cr +Compass Bank -Real Estate-Other Department, P.O. BOX 201347, ARLINGTON, TX 76006-1347 11933601 +Advantage Funding Commercial Capital Cor, 1111 Marous Avenue, Suitye M27, Lake Success, NY 11042-1034 11933602 +Agency STS Inc., 500 Throckmortion No. 1101, Fort Worth, TX 76102-3709 11933606 +Citi, PO Box 6241, Sioux Falls, SD 57117-6241 12065316 +Compass Bank (Real Estate/Other), P.O. Box 201347, Arlington, TX 76006-1347 12006497 +Compass Bank (Secured), P.O. Box 201347, Arlington, TX 76006-1347 11933610 +Educational Employee, PO Box 1777, Fort Worth, TX 76101-1777 11933611 +FHA-HUD, 801 Cherry St, Unit 45, Fort Worth, TX 76102-6882 11933612 +FNB Omaha, PO Box 3412, Omaha, NE 68197-0001 12039321 +GMAC, PO Box 130424, Roseville, MN 55113-0004 11933614 +GMAC, PO Box 12699, Glendale, AZ 85318-2699 11963293 +Mansfield ISD, c/o ELizabeth Banda, Esq., Perdue, Brandon, Fielder, et al, P. O. Box 13430, Arlington, Texas 76094-0430 11933616 ++++U.S. ATTORNEY NORTHERN DIST. OF TEXAS, OFFICE OF U.S. ATTORNEY, 801 CHERRY ST UNIT 4, FORT WORTH TX 76102-6882 (address filed with court: U.S. Attorney Northern Dist. of Texas, Office of U.S. Attorney, 801 Cherry Street, Suite 1700, Fort Worth, TX 76102) 11933617 +US Attorney General, US Dept. of Justice Rm 4400, 10th & Constitution Ave. NW, Washington, DC 20530-0001 11933618 +Veterans Administration, 1400 N Valley Mills Dr., Waco, TX 76799-0002 11933619 Washington Mutual FA, PO Box 1093, Northridge, CA 91328 11933620 +Wells Fargo, PO Box 348750, Sacramento, CA 95834-8750 11933621 +Wells Fargo Bank NA, PO Box 94435, Albuquerque, NM 87199-4435 The following entities were served by electronic transmission on Mar 12, 2009. tr +EDI: QSKBROWN.COM Mar 12 2009 18:48:00 Shawn K. Brown, Chapter 7 Trustee, PO Box 93749, Southlake, TX 76092-0117 11933603 +EDI: AMEREXPR.COM Mar 12 2009 18:48:00 AMEX, PO Box 297871, Fort Lauderdale, FL 33329-7871 11933604 +EDI: CAPITALONE.COM Mar 12 2009 18:48:00 Capital One Bank, PO Box 85520, Richmond, VA 23285-5520 11933605 +EDI: CHASE.COM Mar 12 2009 18:48:00 Chase, 800 Brooksedge Blvd, Westerville, OH 43081-2822 11933606 +EDI: CITICORP.COM Mar 12 2009 18:48:00 Citi, PO Box 6241, Sioux Falls, SD 57117-6241 11933608 +Fax: 205-297-6863 Mar 12 2009 22:10:03 Compass Bank, PO Box 10566, Birmingham, AL 35296-0002 11933607 +Fax: 205-297-6863 Mar 12 2009 22:10:03 Compass Bank, 15 20th Street South Floor 9, Birmingham, AL 35233-2000 11933609 EDI: DISCOVER.COM Mar 12 2009 18:48:00 Discover Financial, PO Box 15316, Wilmington, DE 19850 11933613 +EDI: FORD.COM Mar 12 2009 18:48:00 Ford Motor Credit, PO Box 542000, Omaha, NE 68154-8000 11933614 +EDI: GMAC.COM Mar 12 2009 18:48:00 GMAC, PO Box 12699, Glendale, AZ 85318-2699 12039321 +EDI: GMAC.COM Mar 12 2009 18:48:00 GMAC, PO Box 130424, Roseville, MN 55113-0004 11933615 EDI: IRS.COM Mar 12 2009 18:48:00 Internal Revenue Service, PO Box 21126, Philadelphia, PA 19114-0326 11933620 +EDI: WFFC.COM Mar 12 2009 18:48:00 Wells Fargo, PO Box 348750, Sacramento, CA 95834-8750 TOTAL: 13 NONE. ***** BYPASSED RECIPIENTS ***** TOTAL: 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. Addresses marked ’++++’ were corrected as required by the USPS Locatable Address Conversion System (LACS).

I, Joseph Speetjens, declare under the penalty of perjury that I have served the attached document on 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 Judiciary’s privacy policies.

Date: Mar 14, 2009


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