Form

BiS

(Offici~

Form

18)(9/97)

United States Bankruptcy Court

Northern DistrictofIllinois

Eastern Division

219 S Dearborn

7thFloor

—

Chicago, IL 60604

In Re:

Sherri Lynn Clementi

Case No.:

03—20318

1133 Hillcrest Drive

Chapter:

7

Carol Stream, IL 60188

Judge:

John H. Squires

SSN:

333—60—5918

EIN: N.A.

AKA:

MILLENIUM

RECYCLING

Sherri Balaskovits

DISCHARGE

OF DEBTOR

It appearing that the debtor is entitled to a discharge,

IT IS

ORDERED:

The debtoris

granted

a discharge under section 727 of title 11, United States Code, (the Bankruptcy Code).

For the Court,

Dated: September 8,

2003

Kenneth S. Gardner, Clerk

United States Bankruptcy Court

SEE THE

BACK OF THIS ORDER FOR IMPORTANT INFORMATION.

066320

---

FORM B18

continued

(7/97)

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 Dischari~ed

Debts Prohibited

The discharge prohibits any attempt to collect from the debtor adebt that has been discharged. For

example,

a creditor is not permitted to

contact a discharged debtor by mail,

phone, or otherwise,

to file or continue a

lawsuit,

to attach wages or other property, or to take anyother action to collect a discharged debt from the

debtor.~Jn

a case involving community property:

I

A creditor who violates this order can he 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 orsecurity

interest,

against the discharged 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 ofdebts are discharged if thedebt existed on the date the bankruptcy case was filed. (If this

case was begun under a different chapter

ofthe 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 ofthe common

types ofdebts which

are

j~

discharged in a chapter

7

bankruptcy caseare:

a. Debts for most taxes;

b. Debts that are in

the

nature of alimony, maintenance, or support;

c. Debts for most student loans;

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

e.

Debts forpersonal injuries

or

death

caused

by

the debtor’s

operation

ofa motor vehicle while intoxicated;

f. Some debts which were not properly listedby

the debtor;

g.

Debts that the bankruptcy court specifically

has decided or will decide in this bankruptcy case

are not

discharged;

h.

Debts for which the debtor has given up

the

dischargeprotections by signing a reaffirmation agreement in

compliance with the Bankruptcy Code requirements for reaffirmation ofdebts.

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 toconsult an attorney to determine the

exact effect of

the

discharge

in this case.

066320