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In re: Dawn Michelle Chambers

UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF MICHIGAN

SOUTHERN DIVISION

In re: Case No. 26-43724 DAWN MICHELLE CHAMBERS, Chapter 7 Debtor. Judge Thomas J. Tucker /

ORDER DISMISSING CASE, AND BARRING THE DEBTOR FROM FILING ANY

NEW BANKRUPTCY CASE UNLESS AND UNTIL THE DEBTOR HAS PAID IN FULL

THE FILING FEE FOR THIS CASE

On April 2, 2026, the Debtor filed a voluntary petition for relief under Chapter 7, commencing this case, and also filed, among other documents, a "Certificate of Counseling"

(Docket # 5), which states that on September 17, 2025, the Debtor received "an individual [or group] briefing that complied with the provisions of 11 U.S.C. §§ 109(h) and 111."

The Debtor is not eligible to be a debtor in this case under 11 U.S.C. § 109(h)(1). That provision provides in relevant part, that

an individual may not be a debtor under this title unless such

individual has, during the 180-day period ending on the date of

filing the petition by such individual, received from an approved nonprofit budget and credit counseling agency described in section 111(a) an individual or group briefing (including a briefing

conducted by telephone or on the Internet) that outlined the

opportunities for available credit counseling and assisted such

individual in performing a related budget analysis.

(Emphasis added).

The Debtor did not receive the required credit counseling briefing during the 180-day period ending on the date of the filing of his petition. In this case, the "180-day period ending on" the petition date of April 2, 2026 began on October 4, 2025. The Debtor received the credit counseling briefing on September 17, 2025, 17 days before the 180-day period began. Because the Debtor is not eligible to be a debtor in this case, the case must be dismissed.

IT IS ORDERED that this case is dismissed.

IT IS FURTHER ORDERED that the Debtor is barred from filing any new case under the Bankruptcy Code, and the Clerk is directed not to accept for filing any further bankruptcy

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petition(s) by or on behalf of the Debtor, unless and until the Debtor first pays in full the $338.00 filing fee for this case.

Signed on April 3, 2026

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In re: Dawn Michelle Chambers
(Apr 3, 2026)