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Month: July 2011

Shaking Off Economic Stress

By
Banking and Financial Services Sections
Start by Creating a Budget and Trimming Some Fat

Thomas J. Fox is

Thomas J. Fox is

Stress is a word we’ve become all too familiar with throughout the recession. According to the American Psychological Assoc. 2010 Stress in America survey, 76% of Americans say money is the significant cause of their stress. Although the economy has shown signs of improvement, many of us are still concerned about the future.  If you’ve seen your home lose a quarter of its value, watched your retirement account dwindle, or been forced to live a more frugal lifestyle, you know what I’m talking about.
Needless to say, no matter how good the country’s economy gets, we won’t consider the recession over until our personal economy rebounds. Now, we don’t know when that’s going to happen, but there are some things you can do to make things a little less stressful on yourself and your family until the situation has stabilized.
First, let’s look at the bright side of our economy. The Associated Press’s Economic Stress Index, a monthly release analyzing the financial strain of the nation, shows promise in our recovery. The Stress Index calculates the pressure Americans are feeling by county, and assigns a score, from 1 to 100, to the overall pressure the nation is feeling. Factors such as unemployment, foreclosure, and bankruptcy filings are considered when weighing economic pressure. As things get worse, the Economic Stress Index increases; as things get better, the score decreases.
According to the AP’s April release, America’s economic stress fell to a two-year low of 9.8, down from 10.5 in March. The decrease is attributed to strong private-sector hiring and lower bankruptcy filings. That’s great news, but we’ve still a ways to go before we can claim a full recovery. Plus, we have to contend with higher food and gasoline prices, which hamper our overall economic growth.
Even though there are signs things are improving, we may still be feeling the stress of a beleaguered economy for a while. So, what else can you do to keep calm during the recovery? The American Psychological Assoc. has some great tips on how to take the edge off your financial woes.
First, don’t panic. I know, easier said than done, but think about it. What have you gone through in your life? Have some experiences left you feeling like this is the end of the world? From my own personal experience, I know I’ve felt that way on a few occasions, but you know what? Things worked out, sometimes even better than I imagined. The point is, don’t worry about things you can’t control. You can’t put your life on autopilot, either, but you shouldn’t fret about the overall economy. Focus on your personal situation and make the best decisions you can to make things easier.
Some decisions require soul-searching and communication. Many of our expenses are personal in nature. However, when we really look at where our money is going, there’s always room to trim the fat. Sit down with your family and have an honest discussion of what you can eliminate from your budget or spending plan. If you don’t have a budget, make one. You can’t make a plan to alleviate your stress if you don’t know what’s stressing you out. There are plenty of online tools you can use to develop a budget, such as Mint.com, that will help you to create one in a jiffy. Once you know where your money is going, start to think about areas where expenses can be reduced. If you are having some difficulties cutting back, call your bank, utility companies, and creditors to see if there are any programs available to help reduce the amount of your monthly obligations.
The next bit of advice works in conjunction with cutting expenses. Most of us never took a course in personal finance, and to some, budgeting sounds about as fun as a root canal. The good news is that there are many services available to you that can help you to create a budget and reduce your expenses. Credit-counseling services employ financial professionals who have a great deal of experience helping people make sense of their finances. Each year, millions of Americans reach out to these nonprofit agencies for relief, guidance, and the expertise to deal with a host of financial issues. Even better, talking to a counselor is free — how’s that for reducing your stress?

Thomas J. Fox is the Community Outreach Director at Cambridge Credit Counseling, an Agawam-based professional housing and debt-counseling agency. He is an AFCPE-accredited credit counselor, a CFC-certified educator in personal finance, and an NCHEC-certified housing counselor; (413) 241-2362; [email protected]; twitter.com/thomasjfox

Some New Twists

By
Tom Lynch
Health Care Sections
Tornadoes Spur New Chapters in Hospitals’ Books on Preparedness

Ann Carroll

Ann Carroll had already been thinking about tornado preparation when the events of June 1 put Springfield’s hospitals to the test.

Ann Carroll spent most of the morning on June 1 preparing a PowerPoint presentation on, of all things, tornadoes and what hospitals should be thinking about to be fully ready in case one strikes.
This work, which falls under her job description as emergency preparedness coordinator at Mercy Medical Hospital, was inspired by the events in Joplin, Mo. eight days earlier, when a mile-wide tornado devastated that community, killing at least 155 people. It hit the nine-story St. John’s Regional Medical Center head-on, and many of the stories of out of Joplin detailed how the hospital’s staff scrambled to safeguard patients during the few moments of warning they had, and how they carried on, despite great adversity, after disaster struck and cleared the hospital in less than 90 minutes.
Believing there were poignant lessons from Joplin, Carroll started logging information about that event and tornadoes in general to add to Mercy’s database on such matters. What she learned, or had reinforced, among other things, was the fact that tornadoes can ‘hop’ — touching down in one area, rising off the ground for what could be a few hundred yards or several miles, and then touching down again.
“Another thing I learned is that they generally take on the color of the ground,” she said. “If they’re coming just over grass, they’re green, but when they’re black, it means they’re picking up debris.”
Little did Carroll know that, by day’s end, she would have some first-hand knowledge of these phenomena and many others to add to her presentation — which remains a work in progress — and perhaps a few new pages for the binder on the bookshelf behind her desk titled ‘Weather Emergencies.’
Indeed, the series of tornadoes that hit Western Mass. late that afternoon, and especially the one that arrived in downtown Springfield around 4:30, gave new meaning to the phrase ‘learning experience’ for all involved, said Carroll, and in this case provided just one of the myriad ironic twists that fateful day.
Tom Lynch

Tom Lynch said any emergency plan has a certain amount of flexibility built into it, because it’s impossible to predict precisely what type of disaster will strike.

Tom Lynch agreed. He’s the director of Security at Baystate Health, and he, too, was going over material written about Joplin in the days leading up to the Massachusetts tornadoes. And while doing so, he put special focus on how St. John’s and its parent system, based in Springfield, Mo., handled the broad matters of information management and communication.
“One of the things that becomes critical is how you communicate with your staff and how you communicate with the community,” he said, “because, if there’s a need to access services or if there’s a question of whether you should come to work and, if so, how you should do it, then the ability to get that information out becomes a challenge.”
Like Carroll and most everyone else at Baystate and Mercy, he would have some personal accounts to add to his base of knowledge by the time the sun went down on June 1, and some thoughts about where changes or improvement may be needed in disaster readiness. Like Carroll, he said the collapse of cell-phone service was unexpected and problematic. Meanwhile, he said, overall, things could have been much worse that day if, for example, the tornadoes had done considerable damage to one of the arteries it passed right over, including I-91, Route 5, and the Memorial Bridge. And he believes plans should be made for such specific calamities.
For this issue, BusinessWest looks at how Joplin put tornadoes on the radar screen here and elsewhere, in a figurative sense, and how this region’s own experiences brought those lessons home in ways no one could have imagined on May 31.

Getting Wind of It
Recalling the events of that fateful Wednesday, Dan Moen, president and CEO of the Sisters of Providence Health System, which includes Mercy Medical Center, said there wasn’t much talk of tornadoes that morning, and very little in the way of what would be considered heightened alert of additional preparedness other than people “being aware of what could be a pretty significant storm.
“I think that, sometimes, we don’t pay enough attention to those types of storm warnings,” he continued, adding that it’s fair to say that the word ‘tornado’ will never be regarded the same way in this region. “I don’t think anyone will underestimate those storm warnings in the future.”
Although the first tornado touched down in Westfield, and then again in West Springfield, there was very little warning to speak of at Mercy Medical Center, said Carroll, whose basement-level office at Mercy has no windows. She added that there was a warning around 1 p.m. that conditions were ideal for severe thunderstorms and perhaps a tornado, and the first real warning — but for possible tornadoes much further north, in the Amherst/Belchertown area — came at 4:23 p.m., just seven minutes before the funnel cloud then making its way across the Connecticut River showed up on a camera fixed atop the hospital’s roof.
No one at Mercy really knew about the tornado until they heard about that image from the roof camera or saw the funnel for themselves, said Carroll, adding that she was walking through a tunnel between the hospital and Memorial House when the tornado crossed the river into Springfield, and first saw it when she emerged at the other end. She immediately told staffers to seek shelter, and within seconds, warnings had been sent to the pagers and cellphones of employees, and Mercy swung into what’s known as a ‘Medical Alert Code 1,’ the lowest of four levels, with a ‘4’ translating into full-scale evacuation of the hospital.
In the Code 1 scenario, personnel at the hospital were asked to work beyond their traditional shifts (which vary with the position in question), and additional personnel were placed on standby. Meanwhile, patients were moved away from windows — a step already in the response book but reinforced by the events at Joplin — and Moen took up a command post in the hospital’s ER with the mindset that a tornado in an urban area like Springfield could result in a large number of injuries.
“We anticipated that there would be many more victims than what we actually experienced,” he said. “We started to work on the staffing piece — asking people to stay beyond their shifts and calling some people whose skills we knew we’d need, not knowing whether they could get in at that point.”
At Baystate, very much the same thing was happening as that hospital shifted into what it calls a Plan D (for disaster), said Lynch, noting that the facility first went into standby mode for that particular response scenario, and then, when the tornado officially touched down in Springfield, went into the actual Plan D.
There have been a few occasions over the years when this has happened, he said, adding that, in his 16 years at the hospital, the only direct comparison he could draw to the tornado in terms of the type and degree of response and general level of mobilization was the Jahn Foundry explosion in February 1999 that sent 12 workers to Baystate with burn injuries; three of them would later die as a result.
“The similarities are the spontaneity of it, the fact that we had some self-drives — not everyone came by ambulance — and the level of preparation activity,” he said, adding that the nature of the foundry injuries, severe burns requiring that patients be stabilized and then moved to burn centers, made that case different in some respects.
Baystate does not have a specific contingency plan for a tornado, said Lynch, adding that such a development would be covered under what’s known as hazard-vulnerability analysis, which looks at 35 to 40 different things that can happen — from a terrorist attack to a severe blizzard — and prioritizes them in terms of the likelihood of their occurrence, the kinds of damage each might cause in terms of operation, and preparedness level. Tornadoes do not appear on the list (although ‘severe weather’ does), he told HCN, and they’re certainly not a high-priority consideration, or at least they weren’t before June 1.
“When you design a weather-emergency plan, there’s a certain amount of flexibility in there,” he explained. “It might be snow, ice, or severe thunderstorms that take things out of play.”

Imperfect Storm
Given the population density in downtown Springfield and the neighborhoods surrounding it, personnel at both Mercy and Baystate were preparing for a high volume of injuries that, thankfully, never materialized.
At Baystate, for example, the hospital moved into what the system calls ‘mass casualty mode.’
“With the damage you’re hearing about — with the collapses, the closed-off neighborhoods, and the closed-off streets, the anticipation is that you’re going to get large numbers of wounded people here,” Lynch explained. “So you move into the mass-casualty mode, which then ramps up different aspects of the operation, particularly the clinical things.”
Elaborating, he said that Dr. Reginald Alouidor, attending physician in Baystate’s Level One trauma unit, the only facility of its kind in Western Mass., was forming trauma teams, and the Emergency Department staff were moving patients and creating room for a crush that was far less severe than it could have been.
Baystate eventually treated 25 people, 10 of them in the trauma unit; seven were admitted. Mercy, meanwhile, treated a total of 35 people, none of them with life-threatening injuries, and all were treated and released.
Many of these individuals transported themselves to the hospital, which made this situation unique in some ways. “I remember this one car that drove up … the roof was V-shaped,” said Carroll. “A tree had fallen on top of it, and the windows were blown out; there was a baby in the car, and they needed two wheelchairs to get the occupants out and into the emergency room.”
While dealing with the injured from the first tornado, both hospitals soon went on alert for more twisters, especially one that was reportedly moving southwest from Chicopee, right into the path of the two facilities.
Moen said these reports prompted staffers to once again move patients away from windows and consider additional steps to ensure both patient safety and efficient handling of large numbers of injuries.
When asked what lessons Mercy and other hospitals could take away from the events of June 1 — just as they are all learning from Joplin — Carroll started with the need to pay a little more attention to the weather, a need she’s already addressed.
“Someone told me Radio Shack was having a special on hazard-alert radios, for $29.99,” she said. “They were getting rid of last year’s models, so I went and bought five of them; we’re going to place them at the security booth, the front desk, at the switchboard, which is also in the basement, and the fourth floor of the Weldon Center, because they saw it out the window about the same time I did.”
Beyond that, she and Lynch said much of the focus has been on the ineffectiveness of cellphones — again, something that wasn’t anticipated — and steps that may be taken in the future as a result.
“I received only one call in two hours, and every call I tried to make didn’t go through,” she said, adding that backup contingencies, ranging from land lines to two-way radios to texting, kept most of the lines of communication open.
In the wake of the tornadoes, Mercy will look into having more ham radios tuned to the SkyWarn channel, another stormchasers’ outlet. “Many times, they’re the first to see the first touchdown.”
Said Lynch, “It’s a stunning thing for people to dial something on a cell phone and get busy circuits all the time. You have to look at what that impacts. It didn’t affect our operations, but when you live though it like this, you ask questions about what happens next time.”
As is typical with such events and the drills that replicate them, he added, there is a comprehensive debriefing exercise, at which those involved discuss what went well and what didn’t. In this case, most all matters fell into that first category.
“But in this particular case, we’re going well beyond that, because it was an actual event, and we’re really soliciting information from our clinical people,” Lynch said. “They did fabulous work, and they organized this so rapidly; it’s not a surprise, but it’s always great to see. People take the training, and they take the understanding, and they do what they have to do, and do it remarkably well.”

Lasting Impressions
Caroll is still working on that PowerPoint presentation she talked about. The pictures and accounts of the Joplin disaster offer some important lessons for Mercy and all hospitals.
“We wanted to look at the types of damage done to the hospital in Joplin, and the things that we would need to consider in our planning,” she said, “such as the safest places to seek shelter in the buildings, warning systems, and so on.”
All that will still go on, but now there are other, far more personal accounts of what to do when a tornado strikes. They are one of the more positive things to take away from a day that won’t ever be forgotten. n

George O’Brien can be reached at [email protected]

Doing Business As Certificates

By
DBA Certificates Departments

The following Business Certificates and Trade Names were issued or renewed during the month of June 2011.

AGAWAM

Healthy Homes
430 Main St.
Walter Thorne

Michael’s Home Improvement
88 Chestnut Lane
Michael Gregory

Noel E. Brown & Sons Farm
443 North West St.
Mark G. Brown

OCS Outstanding Customer Service
9 Henry St.
Albert McLean

Peppo’s Pizza
421 Springfield St.
Guiseppe Odierna

Primewickerfurniture.com
490 Southwick St.
Eleanor Stepanik

AMHERST

Amherst Media
246 College St.
Edward Severance

Auction Shipper Inc.
330 College St.
Aytac Candleviren

Buddhist Cultural Encounters
37 South Pleasant St.
Mark Hart

Ginger Garden
351 Northampton Road
Amherst Gourmet Inc.

Roger Magnus Research
19 Trillium Way
Roger Magnus

HOLYOKE

Bebe’s Pawn Shop
123 High St.
Ramon A. Gracia

Colly’s Barbershop
153 Sargeant St.
Rolando L. Pabon

Diamond Light
63 Jackson St.
Igor Poltalets

Ghost Armor
50 Holyoke St.
Justin Lomelivgen

Golden China
455 South St.
Dan J. Pan

NORTHAMPTON

Autumn Inn, LLC
259 Elm St.
Sheila Somers

Northern Lights
53C Hatfield St.
Daniel Ogrypziak

Outside Inn
50 Chapel St.
Gerard Sodano, Jr.

Purple Rose Healing Arts
245 Main St.
Chaya Aronson

The Collared Scholar
557 Easthampton Road
Debra Wysocki

Turnkey Imaging Consultants
161 Crescent St.
William Orr

SOUTHWICK

Gia Professional Service
1 Granaudo Circle
Virginia Schwarzenbach

Keenkut Landscaping
146 Vining Hill Road
Lailonnie Keene

Splatter Room
108 Congamond Road
Jeffrey Caron

SPRINGFIELD

Mass Food Safety Alliance
217 Cabinet St.
Gisela Elias

Metropcs & Connective Wire
296 Cooley St.
Barry Zenstein

Michael James Photography
24 Puritan Road
Michael W. Mettey

Mommasboyz Customs
256 Laconia St.
Andrea Weller

New Tech Wireless
135 State St.
Larry Beckett

Nu Yu Hair Studio
1366 Allen St.
Stacy Harris

Rodriguez Family Mart
119 Wilbraham Ave.
Jose O. Rodriguez

Royal Seasons Restaurant
339 Boston Road
Carlos A. Pereira

San Lorenzo Social Club
895 Carew St.
Alberto Medina

Savers
1277 Liberty St.
TVI Inc.

Soca Sweat
64 Denver St.
Kafi A. Martin

Son’s Landscaping Services
392 Page Boulevard
Sarinh P. Son

T & S Associates
668 Dickinson St.
Son T. Vo

The Cozy Cottage Garden
39 Lorimer St.
Kathleen M. Caban

Why Not Pen Pals
53 Lester St.
Morning Bambi

Your Best Accessories
180 Massachusetts Ave.
Perla Quioto

Zumba With Shelly
24 Arcadia Blvd.
Shelly A. Sankar

WESTFIELD

Friends of the Columbia Greenway Rail Trail
55 Franklin St.
Don Podolski

Gregory
356 Valley View Dr.
Grigoriy Ruge

LTW Custom Cosmetics
32 White St.
Lyn Wegiel

Northeastern Exterior Makeovers
2 Klondike Ave.
Michael Forrett

Street Hair Company
32 Main St.
Nancy Whittier

Tiny Paws
362 Montgomery Road
Eileen M. Scully

Union Mart
420 Union St.
Meet Patel

Wizard Cycle Supply
8 Schumann Dr.
Paul E. Jaeger

WEST SPRINGFIELD

Bertera Mitsubishi
526 Riverdale St.
Bertera Automotive Corporation

Chili’s Grill & Bar
1175 Riverdale St.
John McGlone

Family Dollar Stores of Massachusetts
1120 Union St.
Christal D. Powell

Handi-Hands
617 Dewey St.
Jeffrey D. Paquin Sr.

Public Employees Retirement Insurance
37 Elm St.
Owen Freeman-Daniels

Smiling Stars
59 Irving St.
Catherine Well

Western Mass Chimney Service
103 Craiwell Ave.
Robert Boido

BANKRUPTCIES

The following bankruptcy petitions were recently filed in U.S. Bankruptcy Court. Readers should confirm all information with the court.

American Inventories
Graveline, Ronald G.
PO Box 1111
Sturbridge, MA 01566
Chapter: 7
Filing Date: 05/22/11

Anthony, Aryn A.
a/k/a Breveleri, Aryn A.
40 Fredette St.
Chicopee, MA 01022
Chapter: 13
Filing Date: 05/17/11

Atlas Appraisal
Brayton, Peter J.
Brayton, Claudine A.
53 Amostown Road
West Springfield, MA 01089
Chapter: 13
Filing Date: 05/24/11

Bailey, John Guy
172 Highland Ave.
Greenfield, MA 01301
Chapter: 7
Filing Date: 05/27/11

Barnes, Gordon W.
592 Stony Hill Road
Wilbraham, MA 01095
Chapter: 13
Filing Date: 05/19/11

Bigos, John S.
Bigos, Sally A.
44 Russell Ter.
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/20/11

Birchem, Mark A.
6 Cowdry Lane
Wakefield, MA 01880
Chapter: 13
Filing Date: 05/20/11

Biskup, Robin H.
22 Enfield St.
Indian Orchard, MA 01151
Chapter: 13
Filing Date: 05/18/11

Blankenship, Rush G.
Blankenship, Diane G.
141 Thayer Road
Monson, MA 01057
Chapter: 13
Filing Date: 05/19/11

Bonafilia, Joan M.
610 County Road, Unit 3
Holyoke, MA 01040
Chapter: 13
Filing Date: 05/19/11

Boyle, Francis Joseph
Boyle, Tammy A.
1369 Page Blvd.
Springfield, MA 01104
Chapter: 7
Filing Date: 05/24/11

Bradley, Scott E.
51 Garfield St., Apt 1
Greenfield, MA 01301
Chapter: 7
Filing Date: 05/23/11

Cardin, Dennis Michael
Cardin, Debra Claire
22 Sanford St.
Chicopee, MA 01013
Chapter: 7
Filing Date: 05/18/11

Castilla, Johanna M.
75A Wells St.
Greenfield, MA 01301
Chapter: 7
Filing Date: 05/16/11

Chaplin, Valerie R.
376 King Road
Athol, MA 01331
Chapter: 7
Filing Date: 05/25/11

Civilian Staff
Walton, James G.
1760 Westover Road, Trail
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/25/11

Clark, Lynn Ann
63 Oakridge Dr.
Belchertown, MA 01007
Chapter: 7
Filing Date: 05/20/11

Clow, Sandra L.
47 Basil Road
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/19/11

Coblentz, Linda S.
200 Wisdom Way
Greenfield, MA 01301
Chapter: 7
Filing Date: 05/16/11

Collette, Jason A.
Collette, Nikki S.
PO Box 310
Sturbridge, MA 01566
Chapter: 7
Filing Date: 05/19/11

Colson, Raymond W.
Colson, Joan L.
138 Lucerne Road
Springfield, MA 01119
Chapter: 7
Filing Date: 05/27/11

Complete Construction
Dave’s Painting
O’Brien, David P.
O’Brien, Veronica L.
a/k/a Orlich, Veronica L.
P.O.Box 1245
East Otis, MA 01029
Chapter: 7
Filing Date: 05/26/11

Cote, Keith D
Cote, Patricia M.
769 Allen St.
Springfield, MA 01118
Chapter: 7
Filing Date: 05/25/11

Coughlin, Brian
Coughlin, Laura J.
80 Milford St.
Hanson, MA 02341
Chapter: 13
Filing Date: 05/16/11

Dassat, William P.
Dassat, Susan M.
22 Egremont Ave.
Pittsfield, MA 01201-7208
Chapter: 13
Filing Date: 05/16/11

David Wood Electrician
Wood, David C.
Wood, Julie M.
325 Fenn St., #1
Pittsfield, MA 01201
Chapter: 7
Filing Date: 05/22/11

DeSimone, Richard D.
DeSimone, Stephanie L.
a/k/a Spence, Stephanie L.
4M Culdaff St.
Easthampton, MA 01027
Chapter: 7
Filing Date: 05/23/11

Deuso, Nicole
200 Narragansett Blvd.
Chicopee, MA 01013
Chapter: 7
Filing Date: 05/20/11

DiNicolantonio, Robert P.
DiNicolantonio, Jean M.
178 Legate Hill Road
Charlemont, MA 01339
Chapter: 7
Filing Date: 05/19/11

Dones, Felipe
233 Denver St.
Springfield, MA 01109
Chapter: 7
Filing Date: 05/16/11

Downer, David A.
18 Lynn Dr.
Southampton, MA 01073
Chapter: 7
Filing Date: 05/27/11

Downer, Tertia M.
18 Lynn Dr.
Southampton, MA 01073
Chapter: 7
Filing Date: 05/27/11

Dupee, William F.
32 Greylock Ave.
Adams, MA 01220
Chapter: 7
Filing Date: 05/20/11

Egan, Richard C.
90 Harris St.
Granby, MA 01033
Chapter: 7
Filing Date: 05/24/11

Fortier, Russell James
575 Bridge Road
Florence, MA 01062
Chapter: 13
Filing Date: 05/17/11

Funari, Bethany Alice
16 Vermont St.
Greenfield, MA 01301
Chapter: 7
Filing Date: 05/26/11

Gambrell, James Oakley
61 Langevin St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/27/11

Gates, Justina M.
2 Balance Rock Road
Pittsfield, MA 01201
Chapter: 7
Filing Date: 05/20/11

Gelinas, John P.
136 Amherst Road
Granby, MA 01033
Chapter: 7
Filing Date: 05/19/11

Gonzalez, James
42 King St.
Westfield, MA 01085
Chapter: 7
Filing Date: 05/20/11

Gray, Shain Edwin
65 Gilbert Ave.
Springfield, MA 01119
Chapter: 7
Filing Date: 05/16/11

Griffin Spirito, Donna M.
9 Feeding Hills Road
Southwick, MA 01077
Chapter: 7
Filing Date: 05/17/11

Haesaert, Daniel L.
Haesaert, Carol J.
62 Eddy St.
Springfield, MA 01104
Chapter: 7
Filing Date: 05/18/11

Harris, Kim M.
a/k/a Gauthier, Kim M.
59 Cote Road
Monson, MA 01057
Chapter: 7
Filing Date: 05/25/11

Haueisen, Nathan P.
519 East River St. Lot 33
Orange, MA 01364
Chapter: 7
Filing Date: 05/17/11

Haymes, Michele L.
36 Fowler St.
Westfield, MA 01085
Chapter: 7
Filing Date: 05/31/11

Hennessey, Sean T.
3 Valentine Ter.
Agawam, MA 01001
Chapter: 7
Filing Date: 05/20/11

Houghton, Brian R.
Houghton, Kerry Ann M.
9 Baltic Ave.
Chicopee, MA 01020
Chapter: 13
Filing Date: 05/25/11

Humphrey, Ellen G.
155 Marble St., Apt. 42
Lee, MA 01238
Chapter: 7
Filing Date: 05/26/11

Jablonski, Alan P.
47 Hillcrest St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/20/11

Jediny’s Doggy Bed Breakfast
Jediny, Todd J.
Jediny, Julie
a/k/a Smith, Julie
4 Waterman Ave.
East Longmeadow, MA 01028
Chapter: 7
Filing Date: 05/19/11

Jeffery, Barbara E.
5 Weymouth St.
Springfield, MA 01108
Chapter: 7
Filing Date: 05/23/11

Johnson, Erik Raymond
Johnson, Erin Leslie
94 Marble St.
Athol, MA 01331
Chapter: 7
Filing Date: 05/19/11

K C Air Duct Cleaning
Engley, David M.
14 Western Ave., Apt. 2
Westfield, MA 01085
Chapter: 7
Filing Date: 05/25/11

Kelley, Gail S.
659 Nassau Dr.
Springfield, MA 01129
Chapter: 7
Filing Date: 05/23/11

Kendall, Jennifer A.
55 Searles St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/31/11

Kimball, Lee H.
P.O. Box 450
Granby, MA 01033-0450
Chapter: 7
Filing Date: 05/20/11

Lassiter, Leslie
15 Shaw St.
Belchertown, MA 01007
Chapter: 7
Filing Date: 05/16/11

Lavalley, Lisa Jean
a/k/a Kibbie, Lisa J.
8 Dewey St.
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/19/11

Lewis, Wesley F.
75 Cuff Ave.
Springfield, MA 01104
Chapter: 7
Filing Date: 05/16/11

Lindemann, Richard J.
Lindemann, Rita B.
421 Turners Falls Road
Montague, MA 01351
Chapter: 7
Filing Date: 05/23/11

Lippman, Amber L.
16 Knightville Dam Road
Huntington, MA 01050
Chapter: 7
Filing Date: 05/16/11

Llewellyn, James D.
108 Dartmouth St.
Springfield, MA 01109
Chapter: 7
Filing Date: 05/24/11

Lockett, Chekesha S.
15 Fern St.
Springfield, MA 01108
Chapter: 7
Filing Date: 05/30/11

Lone Wolf Design
Yost, Colleen R.
P.O. Box 801
Becket, MA 01223
Chapter: 7
Filing Date: 05/26/11

Love, James J.
59 Park St.
Lee, MA 02138
Chapter: 13
Filing Date: 05/18/11

Love, James J.
59 Park St.
Lee, MA 02138
Chapter: 13
Filing Date: 05/18/11

Lyons, Kevin A.
19 Evergreen Dr.
Holyoke, MA 01040
Chapter: 7
Filing Date: 05/17/11

Madeen, Mohammed Hassim
Madeen, Nona Lifthika
34 Meadow St. Apt #45
Westfield, MA 01085
Chapter: 7
Filing Date: 05/20/11

Malin, Stephen W.
2 Dewey Way, Apt. 3
Sheffield, MA 01257-9603
Chapter: 7
Filing Date: 05/18/11

Mandel, Harvey S.
P.O.Box 60907
Longmeadow, MA 01106-5907
Chapter: 7
Filing Date: 05/17/11

Marek, Jennifer Jean
a/k/a Lastowski, Jennifer I.
3 Claren Dr.
Holyoke, MA 01040
Chapter: 7
Filing Date: 05/25/11

Market America
Arond, Daniel Joshua
a/k/a Lord-Arond, Daniel J.
Lord, Heather Amara
10 Deep Woods Dr.
Amherst, MA 01002
Chapter: 7
Filing Date: 05/18/11

Martinez, Juan
PO Box 2735
Springfield, MA 01105
Chapter: 7
Filing Date: 05/29/11

Martins, Katrina
70 Main St., Apt. 3
Monson, MA 01057
Chapter: 7
Filing Date: 05/19/11

Mattern, Elizabeth C.
4 Veterans St.
Millers Falls, MA 01349
Chapter: 7
Filing Date: 05/16/11

McDonnell, Meaghan M.
225 Pelham Road
Amherst, MA 01002
Chapter: 7
Filing Date: 05/16/11

McManus, Kirk W.
McManus, Marsha E.
108 Monson Turnpike Road
Ware, MA 01082
Chapter: 13
Filing Date: 05/27/11

McPheters, Stephen R.
153 Amherst Road
Sunderland, MA 01375
Chapter: 7
Filing Date: 05/25/11

Messier, Robert C.
281 Chauncey Walker St., #546
Belchertown, MA 01007
Chapter: 7
Filing Date: 05/23/11

Miller, Christopher
PO Box 209
Brimfield, MA 01010
Chapter: 7
Filing Date: 05/17/11

Moran, Angel
82 Edbert St., Apt. D.
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/31/11

Muzzy, Susan M.
25 Clyde Ave.
West Springfield, MA 01089
Chapter: 7
Filing Date: 05/17/11

Naginewicz, David J.
116 John St.
Ludlow, MA 01056
Chapter: 13
Filing Date: 05/23/11

Nevue, Marie A.
16 High St.
South Hadley, MA 01075
Chapter: 7
Filing Date: 05/24/11

Newton, Josephine Catherine
66 Plain St.
Easthampton, MA 01027
Chapter: 13
Filing Date: 05/27/11

Nimtz, Kurt D.
Nimtz, Suzanne G.
5 Second St.
Palmer, MA 01069
Chapter: 7
Filing Date: 05/23/11

Nitri, Michael A.
161 Hartford Ter.
Springfield, MA 01118
Chapter: 7
Filing Date: 05/23/11

O’Connor, Sean Patrick
13 Pomeroy St.
Easthampton, MA 01027
Chapter: 7
Filing Date: 05/17/11

Orlandi, Michael J.
811 East St.
Ludlow, MA 01056
Chapter: 7
Filing Date: 05/25/11

Ortiz, Irma E.
75 Balis St.
Springfield, MA 01109
Chapter: 13
Filing Date: 05/25/11

Ouimette, Timothy J.
41 Sawmill Road
West Springfield, MA 01089
Chapter: 7
Filing Date: 05/22/11

Owczarski, Karl M.
Owczarski, Ellen J.
179 Newbury St.
Chicopee, MA 01013
Chapter: 13
Filing Date: 05/30/11

Pelchat, Thomas C.
51 Belleclaire Ave.
Longmeadow, MA 01106
Chapter: 7
Filing Date: 05/23/11

Pereira, Ramiro Santos
Pereira, Cynthia Anne
34 East Palmer Park Dr.
Palmer, MA 01069
Chapter: 7
Filing Date: 05/25/11

Perez, Lisa Marie
1157 Sumner Ave.
Springfield, MA 01118
Chapter: 7
Filing Date: 05/26/11

Pires, Alberto
Pires, Yvette C.
22 Wilson St.
Pittsfield, MA 01201
Chapter: 13
Filing Date: 05/19/11

Powers, Pamela J.
298 New Boston Road
Sturbridge, MA 01566
Chapter: 7
Filing Date: 05/19/11

Quirk, Alice Mary
281ChaunceyWalker St.
Belchertown, MA 01007
Chapter: 7
Filing Date: 05/19/11

Radiance Wellness Center
Llewellyn, Will G.
a/k/a Vance, William G.
108 Dartmouth St.
Springfield, MA 01109
Chapter: 7
Filing Date: 05/24/11

Reyes, Gladys
70 Alexander St.
Springfield, MA 01107
Chapter: 7
Filing Date: 05/24/11

Robinson, Terez C.
31 Pomona St.
Springfield, MA 01108
Chapter: 7
Filing Date: 05/29/11

Robles, Maria
49 Plante Circle
Chicopee, MA 01013
Chapter: 7
Filing Date: 05/25/11

Roman, Andrea L.
47 North Main St., Apt. 1B
South Hadley, MA 01075
Chapter: 7
Filing Date: 05/18/11

Ross, Alyssa N.
785 Williams St.
Longmeadow, MA 01106
Chapter: 7
Filing Date: 05/16/11

Roughley, Cynthia A.
15 Mead Ave.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 05/27/11

Roy, Alfred J.
46 Van Horn St.
West Springfield, MA 01089
Chapter: 7
Filing Date: 05/19/11

Roy, Eric M.
369 Old Enfield Road
Belchertown, MA 01007
Chapter: 7
Filing Date: 05/18/11

Sayres, Ronald M.
176 Columbus Ave. #415A
Pittsfield, MA 01245
Chapter: 7
Filing Date: 05/18/11

Schilling, Rolf G.
248 Amherst Road
Sunderland, MA 01375
Chapter: 7
Filing Date: 05/24/11

Scott, Lorraine H.
18 Amore Road
Springfield, MA 01109
Chapter: 13
Filing Date: 05/24/11

Scruggs, Cheronique S.
49 Montrose St.
Springfield, MA 01109
Chapter: 7
Filing Date: 05/24/11

Seeling, Holly Anne
a/k/a Nipson, Holly Anne
68 Lake George Road
Wales, MA 01081
Chapter: 7
Filing Date: 05/20/11

Seymour, John W.
Seymour, Colleen M.
1608 North Main St.
Palmer, MA 01069
Chapter: 7
Filing Date: 05/19/11

Smith, Stephen C.
Smith, Elizabeth M.
29 Kulig St.
Springfield, MA 01104
Chapter: 13
Filing Date: 05/24/11

Soares, Elizabeth J.
290 State Road
North Adams, MA 01247
Chapter: 7
Filing Date: 05/16/11

Spaulding, Robert N.
Spaulding, Julie A.
177 Kerry Dr.
Springfield, MA 01118
Chapter: 7
Filing Date: 05/29/11

St. John, Michael P.
St. John, Darcy L.
28 Wellington Ave.
Pittsfield, MA 01201
Chapter: 7
Filing Date: 05/16/11

Summers, Latasha R.
443 Newbury St.
Springfield, MA 01104
Chapter: 7
Filing Date: 05/26/11

Sweet, Jennifer L.
27 Royal Ave.
Holyoke, MA 01040
Chapter: 13
Filing Date: 05/20/11

Swierzewski, Paul J.
17 Western View Road
Holyoke, MA 01040
Chapter: 7
Filing Date: 05/23/11

Tatta, Louis T.
Tatta, Ellen F.
36 Highland St.
Orange, MA 01364
Chapter: 7
Filing Date: 05/31/11

Tolzdorf, Debra A.
90 Hamilton St.
Belchertown, MA 01007
Chapter: 7
Filing Date: 05/17/11

Tremblay, Karen A.
2 Montgomery Ave.
Holyoke, MA 01040
Chapter: 7
Filing Date: 05/20/11

Turcotte, Teresa A.
11 Sherwood Ter.
Holyoke, MA 01040
Chapter: 13
Filing Date: 05/16/11

Vega, Jacquelyn
92 San Miguel St.
Springfield, MA 01104
Chapter: 7
Filing Date: 05/25/11

Vincent, Gerard Joseph
9 Plantation Dr.
Agawam, MA 01001
Chapter: 13
Filing Date: 05/20/11

Ward, Victoria Jeanne
12 Williams St.
Shelburne Falls, MA 01370
Chapter: 7
Filing Date: 05/23/11

Warren, David J.
4 Isabella St.
Northampton, MA 01060
Chapter: 7
Filing Date: 05/17/11

Wetherby, Jennifer J.
PO Box 395
Orange, MA 01364
Chapter: 7
Filing Date: 05/25/11

Wiles, Barry David
Wiles, Marguerite Bessie
78 Colrain-Shelburne Road
Shelburne Falls, MA 01370
Chapter: 7
Filing Date: 05/19/11

Williams, Roger A.
Williams, Inez
37 Grover St.
Springfield, MA 01104
Chapter: 7
Filing Date: 05/19/11

Wilson, Frederick L.
54 Mathieu Dr.
Chicopee, MA 01020
Chapter: 7
Filing Date: 05/19/11

Winter, Paula A.
43 Garfield Ave.
Easthampton, MA 01027
Chapter: 7
Filing Date: 05/24/11

Wood, Edward M.
Wood, Kathleen E.
174 Ellendale Circle
Springfield, MA 01128
Chapter: 7
Filing Date: 05/20/11

Yando, Donna L.
61 Mark Dr.
Agawam, MA 01030
Chapter: 7
Filing Date: 05/16/11

Yeomans, Katherine L.
179 Eddy St.
Springfield, MA 01104
Chapter: 7
Filing Date: 05/29/11

Zebrowski, Martin P.
122 Main St.
South Hadley, MA 01075
Chapter: 7
Filing Date: 05/18/11

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