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					Case 09-50779

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Case Number 09−50779 − RJK

UNITED STATES BANKRUPTCY COURT District of Minnesota

Notice of Chapter 7 Bankruptcy Case, Meeting of Creditors, & Deadlines
A chapter 7 bankruptcy case concerning the debtor(s) listed below was filed on 6/4/09. 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 8 years, including married, maiden, trade, and address): Dennis E. Hecker PO Box 1017 Crosslake, MN 56442 Case Number: 09−50779 − RJK Attorney for Debtor(s) (name and address): Clinton E. Cutler Fredrikson & Byron, P.A. 200 South Sixth Street Ste 4000 Minneapolis, MN 55402 Telephone number: 612−492−7070 Social Security/Individual Taxpayer ID/Employer Tax ID/Other Nos.: xxx−xx−4298 Bankruptcy Trustee (name and address): Randall L. Seaver 12400 Portland Avenue South Suite 132 Burnsville, MN 55337 Telephone number: 952−890−0888

Meeting of Creditors
Date: July 15, 2009 Time: 10:00 AM Location: U S Courthouse, Rm 1017, 300 S 4th St, Minneapolis, MN 55415

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 File a Complaint Objecting to Discharge of the Debtor or to Determine Dischargeability of Certain Debts: 9/14/09 Certificate of Completion of Financial Management Course due: 8/31/09 Credit Counseling and Debtor Education Information can be found at http://www.usdoj.gov/ust/eo/bapcpa/ccde/index.htm

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. If you would like to view the bankruptcy petition and other documents filed by the debtor, they are available for a fee through Pacer (http://pacer.psc.uscourts.gov) or at the Clerk's Office, 404 U. S. Courthouse, 515 W First Street, Duluth, MN 55802. You may be a creditor of the debtor. If so, you will receive an additional notice from the court setting forth important deadlines.

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. Address of the Bankruptcy Clerk's Office: 404 U.S. Courthouse 515 West First Street Duluth, MN 55802 Telephone number: (218) 529−3600 Hours Open: Monday − Friday 8:00 AM − 4:30 PM For the Court: Clerk of the Bankruptcy Court: Lori Vosejpka Date: 6/5/09

FORM B9A (Chapter 7 Individual or Joint Debtor No Asset Case) (12/07)

Case 09-50779
Update 9/08
Filing of Chapter 7 Bankruptcy Case

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FORM B9A (12/07)

EXPLANATIONS

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.

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 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 without further notice.

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.

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 start a lawsuit by filing a complaint in the bankruptcy clerk's office by the "Deadline to File a Complaint Objecting to Discharge of the Debtor or to Determine Dischargeability of Certain Debts" listed on the front side. The bankruptcy clerk's office must receive the complaint 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.

−− Refer to Other Side for Important Deadlines and Notices −−

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CERTIFICATE OF NOTICE
District/off: 0864-5 Case: 09-50779 User: sherri Form ID: b9a Page 1 of 2 Total Served: 95 Date Rcvd: Jun 05, 2009 The following entities were served by first class mail on Jun 07, 2009. db +Dennis E. Hecker, PO Box 1017, Crosslake, MN 56442-1017 aty +Clinton E. Cutler, Fredrikson & Byron, P.A., 200 South Sixth Street, Ste 4000, Minneapolis, MN 55402-1425 aty +Douglas W. Kassebaum, Fredrikson & Byron, P.A., 200 South Sixth Street, Suite 4000, Minneapolis, MN 55402-1425 aty +Monica L. Clark, Dorsey & Whitney LLP, 50 South Sixth Street, Suite 1500, Minneapolis, MN 55402-1553 tr +Randall L. Seaver, 12400 Portland Avenue South, Suite 132, Burnsville, MN 55337-6805 smg +Minnesota Department of Revenue, Bankruptcy Section, PO BOX 64447, St Paul, MN 55164-0447 smg +United States Attorney, 600 US Courthouse, 300 S 4th St, Minneapolis, MN 55415-3070 ust +US Trustee, 1015 US Courthouse, 300 S 4th St, Minneapolis, MN 55415-3070 58187141 ACE INSURANCE COMPANY, P.O. BOX 294836, CLEVELAND OH 44101 58187142 +ALLEN EIDE, 3221 32ND AVENUE SOUTH, SUITE 900, GRAND FORKS ND 58201-6075 58187143 +ALLIANCE BANK, 55 EAST 5TH STREET, SUITE 115, ST. PAUL MN 55101-2800 58187144 +AMERICAN BANK, 1060 DAKOTA DRIVE, MENDOTA HEIGHTS MN 55120-1586 58187147 +ANCHOR BANK, P.O. BOX 7933, MADISON WI 53707-7933 58187146 +ANCHOR BANK, 1570 CONCORDIA AVE, SAINT PAUL MN 55104-5338 58187148 +ASSOCIATED BANK, IDS CENTER, 740 MARQUETTE AVENUE, MINNEAPOLIS MN 55402-2303 58187149 +AXLE CAPITAL, LLC / SAGECREST, 3 PICKWICK PLAZA, GREENWICH CT 06830-5538 58187150 +BANK OF THE WEST, P.O. BOX 65020, WEST DES MOINES IA 50265-0020 58187151 BAYPORT MARINA ASSOCIATION, 200 5TH STREET, BAYPORT MN 55003 58187152 +BELLAGIO, 3600 LAS VEGAS BLVD, LAS VEGAS NV 89109-4339 58187153 +BREMER BANK, 633 SOUTH CONCORD STREET, SUITE 350, SOUTH ST. PAUL MN 55075-2423 58187154 BRIGGS & MORGAN PA, 2200 IDS CENTER, MINNEAPOLIS MN 55402 58187155 +C AND C BOAT WORKS, 36448 CTY RD 66, CROSSLAKE MN 56442-2506 58187156 +CARLTON FINANCIAL CORPORATION, 1907 E. WAYZATA BLVD. SUITE 180, WAYZATA MN 55391-2064 58187157 +CENTER POINT ENERGY, P.O. BOX 1144, MINNEAPOLIS MN 55440-1144 58187158 +CESSNA AIRCRAFT COMPANY, P.O. BOX 12270, WICHITA KS 67277-2270 58187159 +CHRYSLER FINANCIAL, CIMS 740-01-19, 6400 S FIDDLERS GREEN CIR., STE. 700, ENGLEWOOD CO 80111-4985 58187160 +CITY OF ASPEN, 130 S. GALENA ST., ASPEN CO 81611-1902 58187161 +CITY OF BAYPORT, 294 N. 3RD STREET, BAYPORT MN 55003-1027 58187162 +COMMUNITY NATIONAL BANK, 845 EAST COUNTY ROAD E, VADNAIS HEIGHTS MN 55127-7116 58187163 +COOPERATIVE POWER, P.O. BOX 69, TWO HARBORS MN 55616-0069 58187164 +CORNERSTONE BANK, 2627 SOUTH UNIVERSITY, FARGO ND 58103-6025 58187165 +CROSSLAKE PROPERTY SOLUTIONS, P.O. BOX 810, CROSSLAKE MN 56442-0810 58187166 +CROWN BANK, 6600 FRANCE AVENUE SOUTH, SUITE 125, EDINA MN 55435-1802 58187167 +DEERWOOD BANK, P.O. BOX 527, 724 W. WASHINGTON STREET, BRAINERD MN 56401-2932 58187168 +DON GILBERT, 1700 PHEASANT RUN, HUDSON WI 54016-1893 58187169 +ENCORE BANK, 3003 TAMIAMI TRAIL NORTH, SUITE 100, NAPLES FL 34103-2714 58187170 +FIFTH THIRD BANK, 999 VANDERBILT BEACH, 7TH FLOOR, MD B9997E, NAPLES FL 34108-3508 58187171 +GE CAPITAL, 1415 WEST 22ND STREET, SUITE 600, OAKBROOK IL 60523-2008 58187172 +GE CAPITAL, FLEET SERVICES, 3 CAPITAL DRIVE, EDEN PRAIRIE MN 55344-3890 58187173 +GEMB LENDING, INC., P.O. BOX 57091, IRVINE CA 92619-7091 58187175 +GMAC MORTGAGE, P.O. BOX 4622, WATERLOO IA 50704-4622 58187174 +GMAC MORTGAGE, 9661 W. 143RD STREET, SUITE 200, ORLAND PARK IL 60462-2577 58187176 +GMAC, LLC, 15303 94TH AVENUE, ORLAND PARK IL 60462-3825 58187177 +HOLY CROSS ENERGY, 3799 HWY 82, GLENWOOD SPRINGS CO 81601-9349 58187178 +HYUNDAI MOTOR FINANCE COMPANY, 10550 TALBERT AVENUE, MOUNTAIN VALLEY CA 92708-6032 58187179 +INTER BANK, P.O. BOX 986, NEWARK NJ 07184-0001 58187180 +INTERBANK EDINA, 3400 WEST 66TH STREET, SUITE 100, EDINA MN 55435-2179 58187182 +JC BROMAC, 11860 S. LA CIENEGA BLVD., LOS ANGELES CA 90250-3461 58187183 +JOHN J. SORCI TRUST, 2300 EAST VALLEY COURT, SAN JOSE CA 95148-1901 58187184 +JP MORGAN CHASE BANK, N.A., 726 MADISON AVENUE, NEW YORK NY 10065-7207 58187185 +KAPLAN STRANGIS & KAPLAN PA, 5500 WELLS FARGO CENTER, 90 SOUTH 7TH STREET, MINNEAPOLIS MN 55402-3903 58187186 +KLEINBANK, 14141 GLENDALE ROAD, SAVAGE MN 55378-2684 58187187 +LAKE BANK, N.A., THE, 613 FIRST AVENUE, TWO HARBORS MN 55616-1505 58187188 +LLOYD SECURITY, 1097 10TH SE, MINNEAPOLIS MN 55414-1312 58187189 +M&I BANK, 770 N. WATER STREET, MILWAUKEE WI 53202-3593 58187190 +MAC OF PINE CITY, LLC, 3221 32ND AVENUE SOUTH, SUITE 900, GRAND FORKS ND 58201-6075 58187191 +MARSHALL BANK FIRST, 225 SOUTH SIXTH STREET, SUITE 2900, MINNEAPOLIS MN 55402-4609 58187192 +MIKDEN PROPERTIES, 7002 6TH STREET NORTH, OAKDALE MN 55128-6146 58187193 +MIRAGE, 3400 LAS VEGAS BLVD, LAS VEGAS NV 89109-8907 58187194 +MOSS AND BARNETT, 4800 WELLS FARGO CENTER, 90 S. 7TH STREET, MINNEAPOLIS MN 55402-3903 58187196 +NEVADA STATE BANK, 6505 NORTH BUFFALO DRIVE, LAS VEGAS NV 89131-4039 58187197 +NITROGREEN, P.O. BOX 41, MAPLE PLAINE MN 55359-0041 58187198 +NORTHMARQ CAPITAL, 3500 AMERICAN BLVD WEST, SUITE 500, BLOOMINGTON MN 55431-4435 58187199 +NORTHRIDGE FARM ASSOCIATION, P.O. BOX 767, WAYZATA MN 55391-0767 58187200 +NORTHWOODS BANK, PO BOX 112, PARK RAPIDS MN 56470-0112 58187201 +PREMIER AQUARIUM, 6340 IRVING AVE S., RICHFIELD MN 55423-1220 58187202 +PREMIER BANKS, 1875 W. HIGHWAY 36, ROSEVILLE MN 55113-2767 58187203 +R. OLSON / WATERFORD PROPERTIES, 73 N. BROADWAY, FARGO ND 58102-4933 58187204 +RANDY’S SANITATION, P.O. BOX 169, DELANO MN 55328-0169 58187205 +RIVERLAND BANCORPORATION, 700 SEVILLE DRIVE, JORDAN MN 55352-4539 58187206 +RIVERWOOD BANK/FIRST FEDERAL SAVINGS BAN, CROSSLAKE - LOAN PRODUCTION OFFICE, PO BOX 899, CROSSLAKE MN 56442-0899 58187207 +ROYAL JEWLERS, 73 BROADWAY, FARGO, ND 58102-4983 58187208 +SILVER CLIFF ASSOCIATION, 1201 CEDAR LAKE RD S., MINNEAPOLIS MN 55416-3605 58187209 +SOURCE GAS, P.O. BOX 660474, DALLAS TX 75266-0474 58187210 +ST. CROIS YACHT CLUB, P.O. BOX 2263, STILLWATER MN 55082-3263 58187211 +STATE OF MINNESOTA DEPT OF REVENUE, 600 NORTH ROBERT STREET, ST. PAUL MN 55101-2228 58187212 +STORCHECK CLEANERS, 857 7TH STREET, ST. PAUL MN 55106-4515

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District/off: 0864-5 Case: 09-50779 58187213 58187214 58187215 58187216 58187217 58187218 58187219 58187220 58187221 58187222 58187223 58187224 58187225 58187226 58187227

User: sherri Form ID: b9a

Page 2 of 2 Total Served: 95

Date Rcvd: Jun 05, 2009

+SUMMERS PROPERTY MANAGEMENT, 111K AABC, ASPEN CO 81611-3535 +TCF NATIONAL BANK, 801 MARQUETTE AVENUE, MINNEAPOLIS MN 55402-3475 +TOYOTA FINANCIAL SAVINGS BANK, 2485 VILLAGE VIEW DRIVE, SUITE 200, HENDERSON NV 89074-7133 +TOYOTA FINANCIAL SERVICES, 301 CARLSON PKWY, STE. 210, MINNETONKA MN 55305-7800 ++US BANK, PO BOX 5229, CINCINNATI OH 45201-5229 (address filed with court: U.S. BANK, BC-MN-H22A, 800 NICOLLET MALL, 22ND FLOOR, MINNEAPOLIS MN 55402) +US BANK VISA CARD, P.O. BOX790408, ST. LOUIS MO 63179-0408 +VENTURE BANK, 5601 GREEN VALLEY DRIVE, SUITE 120, BLOOMINGTON MN 55437-1175 +VICTORIA INSURANCE, 1100 LOCUST STREET, DES MOINES IA 50391-1100 +VISION BANK, 3000 25TH ST. SOUTH, P.O. BOX 10008, FARGO ND 58106-0008 WASTE PARTNERS, P.O. BOX 677, PINE RIVER MN 56474-0677 WATERFORD ASSOCIATION, P.O. BOX 1353, MINNEAPOLIS MN 55480-1353 +WAYN BELISLE, 1843 EAGLE RIDGE, MENDOTA HEIGHTS MN 55118-4208 +WELLS FARGO BANK N.A., LOAN ADJUSTMENT GROUP, 90 SOUTH 7TH STREET, MINNEAPOLIS MN 55402-3903 +WELLS FEDERAL BANK, 53 FIRST ST. SW, WELLS MN 56097-1912 +WORLD OMNI FINANCIAL CORP., 190 JIM MORAN BOULEVARD, DEERFIELD BEACH FL 33442-1702

The following entities were served by electronic transmission on Jun 05, 2009. smg +EDI: MINNDEPREV.COM Jun 05 2009 18:08:00 Minnesota Department of Revenue, Bankruptcy Section, PO BOX 64447, St Paul, MN 55164-0447 58187145 +EDI: AMEREXPR.COM Jun 05 2009 18:08:00 AMERICAN EXPRESS, P. O. BOX 0001, LOS ANGELES CA 90096-8000 58187176 +EDI: GMACFS.COM Jun 05 2009 18:08:00 GMAC, LLC, 15303 94TH AVENUE, ORLAND PARK IL 60462-3825 58187181 EDI: IRS.COM Jun 05 2009 18:08:00 IRS, DEPARTMENT OF TREASURY, OGDEN UT 84201 58187195 +EDI: HFC.COM Jun 05 2009 18:08:00 NEIMAN MARCUS, P.O. BOX 5235, CAROL STREAM IL 60197-5235 58187217 EDI: USBANKARS.COM Jun 05 2009 18:08:00 U.S. BANK, BC-MN-H22A, 800 NICOLLET MALL, 22ND FLOOR, MINNEAPOLIS MN 55402 TOTAL: 6 intp smg* ***** BYPASSED RECIPIENTS (undeliverable, * duplicate) ***** U.S. Bank National Association +US Trustee, 1015 US Courthouse, 300 S 4th St, Minneapolis, MN 55415-3070 TOTALS: 1, * 1 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 redirected to the recipient’s preferred mailing address pursuant to 11 U.S.C. 342(f)/Fed.R.Bank.PR.2002(g)(4).

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: Jun 07, 2009

Signature:


				
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