susan clickner chapter 13 bankruptcy 2004

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5:04-bk-53805-JJT John M Aronson and Susan L Clickner Case type: bk Chapter: 13 Asset: Yes Vol: v Judge: John J Thomas Date filed: 07/29/2004 Date of last filing: 11/30/2006 Plan confirmed: 06/08/2005 Date discharged: 11/16/2006 Date terminated: 11/28/2006 Case Summary Office: Wilkes-Barre Filed: 07/29/2004 County: Tioga Terminated: 11/28/2006 Fee: Paid Discharged: 11/16/2006 Origin: 0 Reopened: Previous term: Converted: Dismissed: Joint: y Confirmation hearing: Disposition : Standard Discharge Nature of debt: consumer Pending status: Awaiting Trustee's Report ,Case Closed Flags: CREDS, PlnCnfrmd, PreACT, CLOSED Trustee: United States Trustee City: Harrisburg Phone: 717 221-4515 Fax: 717 221-4554 Email: [email protected] Trustee: Charles J. DeHart, III (Trustee) City: Hummelstown Phone: 717 566-6097 Fax: 717 566-8313 Email: [email protected] Party 1: Aronson, John M (xxx-xx-1508) (Debtor) Party 2: Clickner, Susan L (xxx-xx-6211) (Joint Debtor) Atty: Priscilla Mary Walrath Represents party 1: Debtor Phone: 570 724-3801 Fax: 570 724-7239 Email: [email protected] Atty: Priscilla Mary Walrath Represents party 2: Joint Debtor Phone: 570 724-3801 Fax: 570 724-7239 Email: [email protected] Location of case files: Volume: CS1 The case file may not be available.

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Susan Clickner files her second bankruptcy in 2 years

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Page 1: Susan Clickner Chapter 13 bankruptcy 2004

5:04-bk-53805-JJT John M Aronson and Susan L Clickner

Case type: bk Chapter: 13 Asset: Yes Vol: v Judge: John J ThomasDate filed: 07/29/2004 Date of last filing: 11/30/2006 Plan confirmed: 06/08/2005 Date discharged: 11/16/2006

Date terminated: 11/28/2006

Case Summary

Office: Wilkes-Barre Filed: 07/29/2004County: Tioga Terminated: 11/28/2006Fee: Paid Discharged: 11/16/2006Origin: 0 Reopened: Previous term: Converted:

Dismissed: Joint: y Confirmation hearing: Disposition : Standard Discharge Nature of debt: consumerPending status: Awaiting Trustee's Report ,Case ClosedFlags: CREDS, PlnCnfrmd, PreACT, CLOSED Trustee: United StatesTrustee

City: Harrisburg Phone: 717221-4515

Fax: 717 221-4554 Email:[email protected]

Trustee: Charles J.DeHart, III (Trustee)

City: Hummelstown Phone: 717 566-6097

Fax: 717 566-8313 Email:[email protected]

Party 1: Aronson, John M (xxx-xx-1508) (Debtor)Party 2: Clickner, Susan L (xxx-xx-6211) (Joint Debtor) Atty: Priscilla MaryWalrath

Represents party 1: Debtor Phone: 570 724-3801Fax: 570 724-7239

Email: [email protected]: Priscilla MaryWalrath

Represents party 2: JointDebtor

Phone: 570 724-3801Fax: 570 724-7239

Email: [email protected] of case files: Volume: CS1The case file may not be available.

PACER Service Center

Transaction Receipt

07/30/2010 17:40:14

PACER Login: fa0786 Client Code: sock

Description: Case Summary Search Criteria: 5:04-bk-53805-JJT

Billable Pages: 1 Cost: 0.08

USBC PAM - LIVE - VERSION 3.3.3 https://ecf.pamb.uscourts.gov/cgi-bin/qrySummary.pl?137567

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FORM B9I (Chapter 13 Case) (12/03) Case Number 5:04−bk−53805−JJT

UNITED STATES BANKRUPTCY COURTMIDDLE DISTRICT OF PENNSYLVANIA

Notice of Chapter 13 Bankruptcy Case, Meeting of Creditors, & DeadlinesThe debtor(s) listed below filed a Chapter 13 bankruptcy case on 7/29/04.

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 6 years, including married, maiden, trade, and address):John M Aronson77 Main StreetWellsboro, PA 16901

Susan L Clicknerdba Blue Moon Inn77 Main StreetWellsboro, PA 16901

Case Number:5:04−bk−53805−JJT

Social Security/Taxpayer ID Nos.:xxx−xx−1508xxx−xx−6211

Attorney for Debtor(s) (name and address):Priscilla M. Walrath Esq126 MAIN ST PO BOX 609WELLSBORO, PA 16901Telephone number: 570 724−3801

Bankruptcy Trustee (name and address):Charles J. DeHart, III (Trustee)PO Box 410Hummelstown, PA 17036Telephone number: 717 566−6097

Meeting of Creditors:Effective February 1, 2002, all individual debtors must provide picture identification and proof of social security

number to the trustee at the meeting of creditors.Date: October 4, 2004 Time: 11:00 AMLocation: Genetti Hotel, 77 East Market Street, Wilkes−Barre, PA

Deadlines:Papers must be received by the bankruptcy clerk's office by the following deadlines:

Deadline to File a Proof of ClaimPROOF OF CLAIM FORM IS INCLUDED.

All creditors who file proof of claim MUST serve a true copy of said claim upon theChapter 13 Trustee whose name and address appear above.

For all creditors (except a governmental unit): 1/2/05For a governmental unit: 180 DAYS FROM ORDER GRANTING RELIEF

Deadline to Object to Exemptions:Thirty (30) days after the conclusion of the meeting of creditors.

Filing of Proposed Plan, Objections to the Plan:

Objections to the plan must be filed within 120 days from the first date set for 341(a) meeting stated above. A copy of the proposedplan (or summary of the plan) is included. Any objections filed to the plan that are not settled will be set for hearing. If no objections are

filed, the court may enter an order confirming the plan.

Creditors May Not Take Certain Actions:The filing of the bankruptcy case automatically stays certain collection and other actions against the debtor and the debtor's property,and certain codebtors. If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized.

Address of the Bankruptcy Clerk's Office:U.S. Bankruptcy Court274 Max Rosenn U.S. Courthouse197 South Main StreetWilkes−Barre, PA 18701Telephone number: 570−826−6450

For the Court:Clerk of the Bankruptcy Court:Arlene Byers

Hours Open: Monday − Friday 8:00 AM − 5:00 PM Date: 8/25/04

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EXPLANATIONS FORM B9I (12/03)

Filing of Chapter 13Bankruptcy Case

A bankruptcy case under chapter 13 of the Bankruptcy Code (title 11, United States Code) has been filed in thiscourt by the debtor(s) listed on the front side, and an order for relief has been entered. Chapter 13 allows anindividual with regular income and debts below a specified amount to adjust debts pursuant to a plan. A plan is noteffective unless confirmed by the bankruptcy court. You may object to confirmation of the plan and appear at thehearing on your objection. The debtor will remain in possession of the debtor's property and may continue to operatethe debtor's business, if any, unless the court orders otherwise.

Creditors May NotTake Certain Actions

Prohibited collection actions against the debtor and certain codebtors are listed in Bankruptcy Code § 362 and §1301. Common examples of prohibited actions include contacting the debtor by telephone, mail or otherwise todemand repayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor'sproperty; starting or continuing lawsuits or foreclosures; and garnishing or deducting from the debtor's wages.

Meeting of Creditors A meeting of creditors is scheduled for the date, time and location listed on the front side. The debtor (both spousesin 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 alater date without any further notice.

Claims A Proof of Claim is a signed statement describing a creditor's claim. If a Proof of Claim form is not included withthis notice, you can obtain one at any bankruptcy clerk's office. If you do not file a Proof of Claim by the "Deadlineto File a Proof of Claim" listed on the front side, you might not be paid any money on your claim against thedebtor in the bankruptcy case. To be paid you must file a Proof of Claim even if your claim is listed in the schedulesfiled by the debtor.

Discharge of Debts The debtor is seeking a discharge of most debts, which may include your debt. A discharge means that you maynever try to collect the debt from the debtor.

Exempt Property The debtor is permitted by law to keep certain property as exempt. Exempt property will not be sold and distributedto creditors, even if the debtor's case is converted to chapter 7. The debtor must file a list of all property claimed asexempt. You may inspect that list at the bankruptcy clerk's office. If you believe that an exemption claimed by thedebtor is not authorized by law, you may file an objection to that exemption. The bankruptcy clerk's office mustreceive the objection by the "Deadline to Object to Exemptions" listed on the front side.

Bankruptcy Clerk'sOffice

Any paper that you file in this bankruptcy case should be filed at the bankruptcy clerk's office at the address listedon the front side. You may inspect all papers filed, including the list of the debtor's property and debts and the list ofproperty claimed as exempt, at the bankruptcy clerk's office.

Legal Advice The staff of the bankruptcy clerk's office cannot give legal advice. You may want to consult an attorney to protectyour rights.

−− Refer to Other Side for Important Deadlines and Notices −−RAPID DATA ACCESS: We encourage you to register with our Public Access to Court Electronic Records System("PACER") by calling 1−800−676−6856.IMPORTANT NOTICE: For security reasons, photo identification may be required to attend this meeting.COPY REQUESTS: To obtain copies of documents, send a written request to the Clerk's Office as listed on thisnotice.

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FORM B10 (Official Form 10) (04/04)UNITED STATES BANKRUPTCY COURTMIDDLE DISTRICT OF PENNSYLVANIA____________________________________

PROOF OF CLAIM

Name of DebtorJohn M AronsonSusan L Clickner

Case Number5:04-53805-JJT

á04m53805mafä04-53805

NOTE: This form should not be used to make a claim for an administrative expense arising afterthe commencement of the case. A "request" for payment of an administrative expense may be filedpursuant to 11 U.S.C. §503.Name of Creditor (The person or other entity to whom the debtorowes money or property):

Check box if you are aware thatanyone else has filed a proof ofclaim relating to your claim. Attachcopy of statement giving particulars.

Name and Address where notices should be sent:

Telephone Number:

Check box if you have neverreceived any notices from thebankruptcy court in this case.Check box if the address differsfrom the address on the envelopesent to you by the court.

THIS SPACE IS FOR COURT USE ONLY

Account or other number by which creditor identifies debtor: Check here ifthis claim

replacesamends a previously filed claim, dated:__________

1. Basis for ClaimGoods soldServices performedMoney loanedPersonal injury/wrongful deathTaxesOther ________________________________

Retiree benefits as defined in 11 U.S.C. §1114(a)Wages, salaries, and compensation (fill out below)Last four digits of SS #: __________Unpaid compensation for services performedfrom ____________ to __________________

(date) (date)2. Date debt was incurred: 3. If court judgment, date obtained:

4. Total Amount of Claim at Time Case Filed: $_____________ _____________ _____________ _____________(unsecured) (secured) (priority) (Total)

If all or part of your claim is secured or entitled to priority, also complete Item 5 or 7 below.Check this box if claim includes interest or other charges in addition to the principal amount of the claim. Attach itemized statement of allinterest or additional charges.

5. Secured Claim.Check this box if your claim is secured by collateral(including a right of setoff).

Brief Description of Collateral:Real Estate Motor Vehicle

Other__________________

Value of Collateral: $___________________________

Amount of arrearage and other charges_a_t__t_i_m_e__c_a_s_e__f_i_l_e_dincluded in secured claim, if any: $__________________

6. Unsecured Nonpriority Claim $_____________Check this box if: a) there is no collateral or lien securing

your claim, or b) your claim exceeds the value of the propertysecuring it, or if c) none or only part of your claim is entitled topriority.

7. Unsecured Priority Claim.Check this box if you have an unsecured priority claim

Amount entitled to priority $______________Specify the priority of the claim:Wages, salaries, or commissions (up to $4,925),* earned within 90 daysbefore filing of the bankruptcy petition or cessation of the debtor’sbusiness, whichever is earlier - 11 U.S.C. § 507(a)(3).Contributions to an employee benefit plan - 11 U.S.C. §507(a)(4).Up to $ 2,225* of deposits toward purchase, lease, or rental of property orservices for personal, family, or household use - 11 U.S.C. § 507(a)(6).Alimony, maintenance, or support owed to a spouse, former spouse, orchild - 11 U.S.C. § 507(a)(7).Taxes or penalties owed to governmental units - 11 U.S.C. § 507(a)(8).Other - Specify applicable paragraph of 11 U.S.C. § 507(a)(__).

*Amounts are subject to adjustment on 4/1/07 and every 3 years thereafterwith respect to cases commenced on or after the date of adjustment.

8. Credits: The amount of all payments on this claim has been credited and deducted for the purpose ofmaking this proof of claim.

9. Supporting Documents: Attach copies of supporting documents, such as promissory notes, purchaseorders, invoices, itemized statements of running accounts, contracts, court judgments, mortgages, securityagreements, and evidence of perfection of lien. DO NOT SEND ORIGINAL DOCUMENTS. If thedocuments are not available, explain. If the documents are voluminous, attach a summary.

10. Date-Stamped Copy: To receive an acknowledgment of the filing of your claim, enclose astamped, self-addressed envelope and copy of this proof of claim.

THIS SPACE IS FOR COURT USE ONLY

Date Sign and print the name and title, if any, of the creditor or other person authorized to filethis claim (attach copy of power of attorney, if any):

Penalty for presenting fraudulent claim: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. §§ 152 and 3571.

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FORM Bl0 (Official Form l0) (04/04)

INSTRUCTIONS FOR PROOF OF CLAIM FORMThe instructions and definitions below are general explanations of the law. In particular types of cases or circumstances, such as bankruptcycases that are not filed voluntarily by a debtor, there may be exceptions to these general rules.

---- DEFINITIONS ----Debtor

The person, corporation, or other entity thathas filed a bankruptcy case is called thedebtor.

Creditor

A creditor is any person, corporation, or otherentity to whom the debtor owed a debt on thedate that the bankruptcy case was filed.

Proof of Claim

A form telling the bankruptcy court howmuch the debtor owed a creditor at the timethe bankruptcy case was filed (the amount ofthe creditor´s claim). This form must be filedwith the clerk of the bankruptcy court wherethe bankruptcy case was filed.

Secured Claim

A claim is a secured claim to the extent thatthe creditor has a lien on property of thedebtor (collateral) that gives the creditor theright to be paid from that property beforecreditors who do not have liens on theproperty.

Examples of liens are a mortgage on realestate and a security interest in a car, truck,boat, television set, or other item of property.A lien may have been obtained through acourt proceeding before the bankruptcy casebegan; in some states a court judgment is alien. In addition, to the extent a creditor alsoowes money to the debtor (has a right ofsetoff), the creditor´s claim may be a securedclaim. (See also Unsecured Claim.)

Unsecured Claim

If a claim is not a secured claim it is anunsecured claim. A claim may be partlysecured and partly unsecured if the property onwhich a creditor has a lien is not worth enoughto pay the creditor in full.

Unsecured Priority Claim

Certain types of unsecured claims are givenpriority, so they are to be paid in bankruptcycases before most other unsecured claims (ifthere is sufficient money or property availableto pay these claims). The most common typesof priority claims are listed on the proof ofclaim form. Unsecured claims that are notspecifically given priority status by thebankruptcy laws are classified as UnsecuredNonpriority Claims .

Items to be completed in Proof of Claim form (if not already filled in)

Court, Name of Debtor, and Case Number:Fill in the name of the federal judicial district where thebankruptcy case was filed (for example, Central District ofCalifornia), the name of the debtor in the bankruptcy case, andthe bankruptcy case number. If you received a notice of thecase from the court, all of this information is near the top of thenotice.

Information about Creditor:Complete the section giving the name, address, and telephonenumber of the creditor to whom the debtor owes money orproperty, and the debtor´s account number, if any. If anyoneelse has already filed a proof of claim relating to this debt, if younever received notices from the bankruptcy court about this case,if your address differs from that to which the court sent notice, orif this proof of claim replaces or changes a proof of claim thatwas already filed, check the appropriate box on the form.

1. Basis for Claim:Check the type of debt for which the proof of claim is beingfiled. If the type of debt is not listed, check "Other" and brieflydescribe the type of debt. If you were an employee of thedebtor, fill in the last four digits of your social security numberand the dates of work for which you were not paid.

2. Date Debt Incurred:Fill in the date when the debt first was owed by the debtor.

3. Court Judgments:If you have a court judgment for this debt, state the date thecourt entered the judgment.

4. Total Amount of Claim at Time Case Filed:Fill in the applicable amounts, including the total amount of theentire claim. If interest or other charges in addition to theprincipal amount of the claim are included, check theappropriate place on the form and attach an itemization of theinterest and charges.

5. Secured Claim:Check the appropriate place if the claim is a secured claim. Youmust state the type and value of property that is collateral for theclaim, attach copies of the documentation of your lien, and state theamount past due on the claim as of the date the bankruptcy case wasfiled. A claim may be partly secured and partly unsecured. (SeeDEFINITIONS, above).

6. Unsecured Nonpriority Claim:Check the appropriate place if you have an unsecured nonpriorityclaim, sometimes referred to as a "general unsecured claim". (SeeDEFINITIONS, above). If your claim is partly secured and partlyunsecured, state here the amount that is unsecured. If part of yourclaim is entitled to priority, state here the amount not entitled topriority.

7. Unsecured Priority Claim:Check the appropriate place if you have an unsecured priority claim,and state the amount entitled to priority. (See DEFINITIONS,above). A claim may be partly priority and partly nonpriority if,for example, the claim is for more than the amount given priority bythe law. Check the appropriate place to specify the type of priorityclaim.

8. Credits:By signing this proof of claim, you are stating under oath that incalculating the amount of your claim you have given the debtorcredit for all payments received from the debtor.

9. Supporting Documents:You must attach to this proof of claim form copies of documents thatshow the debtor owes the debt claimed or, if the documents are toolengthy, a summary of those documents. If documents are notavailable, you must attach an explanation of why they are notavailable.

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Enterprise Systems Incorporated11487 Sunset Hills RoadReston, Virginia 20190-5234

CERTIFICATE OF SERVICEDistrict/off: 0314-5 User: PHartman Page 1 of 1 Date Rcvd: Aug 25, 2004Case: 04-53805 Form ID: B9I Total Served: 11

The following entities were served by first class mail on Aug 27, 2004.db +John M Aronson, 77 Main Street, Wellsboro, PA 16901-1503jdb +Susan L Clickner, 77 Main Street, Wellsboro, PA 16901-1503aty +Priscilla M. Walrath, Esq, 126 MAIN ST PO BOX 609, WELLSBORO, PA 16901-1443tr +Charles J. DeHart, III (Trustee), PO Box 410, Hummelstown, PA 17036-04101993171 +BLUE THISTLE, 77 MAIN STREET, WELLSBORO PA 16901-15031993172 +CHEMUNG CANAL TRUST, PO BOX 1522, ONE CHEMUNG CANAL PLAZA, ELMIRA NY 14901-34991993173 FORD CREDIT, PO BOX 3076, COLUMBIA MD 21045-60762007396 +Manufacturers and Traders Trust Co, c/o William P. Carlucci, Esq., 125 East Third Street, Williamsport, PA 17701-66221993175 +PNC BANK NATIONAL ASSOCIATION, TWO TOWER CENTER BLVD, EAST BRUNSWICK NJ 08816-11991993176 +TIMELESS DESTINATION LLC, 77 MAIN STREET, WELLSBORO PA 16901-1503

The following entities were served by electronic transmission on Aug 25, 2004 and receipt of the transmissionwas confirmed on:1993174 +E-mail: [email protected] Aug 25 2004 21:38:15 M AND T MORTGAGE, ONE FOUNTAIN PLAZA, BUFFALO NY 14203-1420 TOTAL: 1

***** BYPASSED RECIPIENTS *****NONE. 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.

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 Service and that it is true and correct to the best of my information and belief.

First 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: Aug 27, 2004 Signature:

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MDPA-EACTIMOT.WPT - REV 11/04

IN THE UNITED STATES BANKRUPTCY COURTFOR THE MIDDLE DISTRICT OF PENNSYLVANIAIn Re:JOHN M. ARONSON SUSAN L. CLICKNER } Debtor(s) Chapter: 13Case No.: 5-04-53805Document No.: 38Nature ofProceeding: Motion to AvoidLienJOHN M. ARONSON SUSAN L. CLICKNER } Movant(s)vs.PNC BANK } Respondent(s)

ORDERIt appearing that there has been no activity in the above matter since 2/17/2005, itis hereby ORDERED that unless the movant takes some action towards resolution orprosecution of this matter on or before 4/17/2005, this matter will be dismissed for lack ofprosecution.

Date: April 5, 2005(JAT) This electronic order is signed and filed on the same date.

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B18W (10/05)

United States Bankruptcy Court Middle District of Pennsylvania

Case No. 5:04−bk−53805−JJT

In re: Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, and trade):

John M Aronson Susan L Clicknerdba Blue Moon Inn

DISCHARGE OF DEBTOR AFTER COMPLETIONOF CHAPTER 13 PLAN

It appearing that the debtor is entitled to a discharge,

IT IS ORDERED:

The debtor is granted a discharge under section 1328(a) of title 11, United States Code, (the Bankruptcy Code).

BY THE COURT

Dated: 11/16/06

United States Bankruptcy Judge

SEE THE BACK OF THIS ORDER FOR IMPORTANT INFORMATION.

This document is electronically signed and filed on the same date.

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FORM B18W continued (10/05)

EXPLANATION OF BANKRUPTCY DISCHARGEIN A CHAPTER 13 CASE

This court order grants a discharge to the person named as the debtor after the debtor has completed allpayments under the chapter 13 plan. It is not a dismissal of the case.

Collection of Discharged Debts Prohibited

The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, acreditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wagesor other property, or to take any other action to collect a discharged debt from the debtor. [In a case involvingcommunity property:] [There are also special rules that protect certain community property owned by the debtor'sspouse, even if that spouse did not file a bankruptcy case.] A creditor who violates this order can be required to paydamages 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, againstthe debtor's property after the bankruptcy, if that lien was not avoided or eliminated in the bankruptcy case. Also, adebtor may voluntarily pay any debt that has been discharged.

Debts That are Discharged

The chapter 13 discharge order eliminates a debtor's legal obligation to pay a debt that is discharged. Most, butnot all, types of debts are discharged if the debt is provided for by the chapter 13 plan or is disallowed by the courtpursuant to section 502 of the Bankruptcy Code.

Debts that are Not Discharged.

Some of the common types of debts which are not discharged in a chapter 13 bankruptcy case are:

a. Domestic support obligations;

b. Debts for most student loans;

c. Debts for most fines, penalties, forfeitures, or criminal restitution obligations;

d. Debts for personal injuries or death caused by the debtor's operation of a motor vehicle, vessel, or aircraftwhile intoxicated;

e. Debts for restitution, or damages, awarded in a civil action against the debtor as a result of malicious orwillful injury by the debtor that caused personal injury to an individual or the death of an individual (in a casefiled on or after October 17, 2005);

f. Debts provided for under section 1322(b)(5) of the Bankruptcy Code and on which the last payment is dueafter the date on which the final payment under the plan was due;

g. Debts for certain consumer purchases made after the bankruptcy case was filed if prior approval by thetrustee of the debtor's incurring the debt was practicable but was not obtained;

h. Debts for most taxes to the extend not paid in full under the plan (in a case filed on or after October 17,2005); and

i. Some debts which were not properly listed by the debtor (in a case filed on or after October 17, 2005).

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

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Bankruptcy Noticing Center2525 Network Place, 3rd FloorHerndon, Virginia 20171-3514

CERTIFICATE OF SERVICEDistrict/off: 0314-5 User: JTracy Page 1 of 1 Date Rcvd: Nov 16, 2006Case: 04-53805 Form ID: B18W Total Served: 19

The following entities were served by first class mail on Nov 18, 2006.db +John M Aronson, 77 Main Street, Wellsboro, PA 16901-1561jdb +Susan L Clickner, 77 Main Street, Wellsboro, PA 16901-1561aty +Scott D Moore, Moore Woodhouse and Pawlak, LLP, 150 Lake Street, Elmira, NY 14901-3401cr +Pramco III, LLC, 6894 Pittsford Palmyra Road, 200 Crosskeys Office Park, ste 230, Fairport, NY 14450-3510cr +Pramco III, LLC, 230 CrossKeys Office Park, Fairport, NY 14450-35101993171 +BLUE THISTLE, 77 MAIN STREET, WELLSBORO PA 16901-15611993172 +CHEMUNG CANAL TRUST, PO BOX 1522, ONE CHEMUNG CANAL PLAZA, ELMIRA NY 14901-34082200792 +Chemung Canal Bank, c/o Scott Moore, Esq, HSBC Bank Bldg., 150 Lake Street, Elmira, NY 14901-34711993173 FORD CREDIT, PO BOX 3076, COLUMBIA MD 21045-60762037541 +Ford Motor Credit Company, Drawer 55-953, PO box 55000, Detroit, MI 48255-00012037543 Ford Motor Credit Company, PO Box 537901, Livonia, MI 48153-79011993174 +M AND T MORTGAGE, ONE FOUNTAIN PLAZA, BUFFALO NY 14203-14202200791 +M&T Bank, c/o William Carlucci, Esq., 125 East Third Street, Williamsport, PA 17701-66222007396 +Manufacturers and Traders Trust Co, c/o William P. Carlucci, Esq., 125 East Third Street, Williamsport, PA 17701-66222071372 +PNC BANK, 2730 LIBERTY AVE, PITTSBURGH PA 15222-47471993175 +PNC BANK NATIONAL ASSOCIATION, TWO TOWER CENTER BLVD, EAST BRUNSWICK NJ 08816-11992200790 +PNC Bank, National Associates, c/o Donna Donaher, Esq., 1500 One PPG Place, Pittsburgh, PA 15222-54162308563 +Scott D Moore, Esq., Moore Woodhouse and Pawlak, LLp, HSBC Bank Bldg., 150 lake Street, Elmira, NY 14901-34011993176 +TIMELESS DESTINATION LLC, 77 MAIN STREET, WELLSBORO PA 16901-1561

The following entities were served by electronic transmission.NONE. TOTAL: 0

***** BYPASSED RECIPIENTS (undeliverable, * duplicate) *****cr Chemung Canal Trust Companycr Manufacturers and Traders Trust Companycr PNC Bank National Association TOTALS: 3, * 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 served the attached document on the above listed entities in the manner shown, and prepared the Certificate of Service and that it is true and correct to the best of my information and belief.

First 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: Nov 18, 2006 Signature:

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FNLDEC

UNITED STATES BANKRUPTCY COURTMIDDLE DISTRICT OF PENNSYLVANIA

Case No. 5:04−bk−53805−JJT

Chapter 13

In re: Debtor(s) (name(s) used by the debtor(s) in the last 8 years, including married, maiden, and trade):

John M Aronson Susan L Clickner dba Blue Moon Inn

FINAL DECREE

The estate of the above named debtor(s) has been fully administered and the deposit required by the plan has beendistributed.

IT IS ORDERED THAT:

Charles J. DeHart, III (Trustee)

is discharged as trustee of the estate of the above−named debtor(s); and the chapter 13 case of the above nameddebtor(s) is closed.

Dated: 11/28/06 BY THE COURT

United States Bankruptcy Judge

This document is electronically signed and filed on the same date.

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UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT PENNSYLVANIA IN THE MATTER OF: PAGE 1

) CHAPTER 13 ) CASE NO. 50453805 ) JOHN M ARONSON ) DATE FILED: 07/29/2004 & SUSAN L CLICKNER ) DATE CONFIRMED: 06/08/2005 77 MAIN STREET ) DATE CONCLUDED: 11/15/2006 WELLSBORO, PA 16901 DEBTOR (S) ) )-----------------------------------------------)

CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT CLOSED COMPLETED/DISCHARGED

Pursuant to 11 U.S.C. Section 1302(b)(1) and Rule 2015(2), the Trustee has maintained detailed reports of receipts and disbursements which are as follows----------------------------------------- -------------------------------------- Amount PaidClaim Creditor’s Name Allowed to Date Balance Due----------------------------------------- --------------------------------------

SECURED 101 PRAMCO III, LLC 0.00 0.00 0.00102 FORD MOTOR CREDIT CORP. 0.00 0.00 0.00103 PNC BANK 0.00 0.00 0.00104 CHEMUNG CANAL TRUST 27,964.46 27,964.46 0.00 ------------- 27,964.46UNSECURED 201 **CLERK OF US BANKRUPTCY COURT 35,206.74 520.74 34,686.00202 CHEMUNG CANAL TRUST 121,404.09 1,795.67 119,608.42 ------------- 2,316.41REFUND TO DEBTOR 999 **JOHN M ARONSON 0.00 0.00 0.00 ------------- 0.00DEBTOR ATTORNEY 000 PRISCILLA M. WALRATH, ESQUIRE 0.00 0.00 0.00 ------------- 0.00

-------------------------------------------------------------------------------- TOTAL RECEIPTS DISBURSED TRUSTEE FEES CASH ON HAND 30,742.00 30,280.87 461.13 0.00--------------------------------------------------------------------------------

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UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT PENNSYLVANIA IN THE MATTER OF: PAGE 2

) CHAPTER 13 ) CASE NO. 50453805 ) JOHN M ARONSON ) DATE FILED: 07/29/2004 & SUSAN L CLICKNER ) DATE CONFIRMED: 06/08/2005 77 MAIN STREET ) DATE CONCLUDED: 11/15/2006 WELLSBORO, PA 16901 DEBTOR (S) ) )-----------------------------------------------)

CHAPTER 13 STANDING TRUSTEE’S FINAL REPORT CLOSED COMPLETED/DISCHARGED

WHEREFORE, the Trustee prays that a Final Decree be entered discharging him/heras Trustee and releasing the Trustee and the Trustee’s surety from any and allliability on account of the within proceedings, and closing the estate, and forsuch other relief as is just.Pursuant to FRBP 5009, I certify the case has been fully administered.

/s/ CHARLES J. DEHART, III P.O. BOX 410

HUMMELSTOWN, PA 17036

PRINTED 11/15/06

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