Jubabes Heating & Cooling, LLC
Susan D. Barrett
United States Bankruptcy Judge
Southern District of Georgia
Date: July 23, 2026
OPINION AND ORDER, INCLUDING BANKRUPTCY RULE 9011 SANCTIONS
For the following reasons, this Miscellaneous Proceeding is dismissed, all outstanding
FINDINGS OF FACT
In late December 2025, the Clerk‘s Office received two United States Postal Service Priority Mail Express parcels from Jubabes Heating & Cooling LLC, including more than fifty pro se skeleton involuntary chapter 7 bankruptcy petition forms against various individuals and entities (“Dec. 22, 2025 Filing” and “Dec. 30, 2025 Filing“). These filings were duly accepted and docketed by the Clerk‘s Office and forwarded to Chambers for review.1 After careful in camera review and consideration, the Court determined the pleadings were woefully inadequate as involuntary bankruptcy petitions and appeared to be a significant abuse of the bankruptcy process and ordered the Clerk‘s Office to: open the matter as a Miscellaneous Proceeding; place the pleadings under seal; and set a show cause hearing for January 29, 2026 to consider why the matter should not be dismissed. Dckt. Nos. 1, 5, 7. The Petitioners also were ordered to place the following prescribed caption (“Prescribed Caption“) on all subsequent pleadings filed in this proceeding or any subsequent involuntary proceedings: “Pursuant to Court Order, this pleading is subject to in camera review prior to entry into the Court‘s electronic CM/ECF system. See Miscellaneous Proceeding No. 25-00101.” Dckt. No. 1, at 5; Dckt. No. 5, at 5 (emphasis in
After entry of the orders and notice to show cause, Ms. Begum, purportedly on behalf of Jubabes Heating & Cooling, LLC, filed an unsigned/unnotarized affidavit styled “{Notice of Appeal}” alleging, among other things, that her due process rights were violated when the Miscellaneous Proceeding was opened and the documents were placed under seal. Dckt. No. 12. Ms. Begum, purportedly on behalf of Jubabes Heating & Cooling, LLC, also filed: a Motion to Correct Clerical Error, Vacate Improper Debtor Designation, and Unseal Record; Notice No. 2 Motion to Recognize Jubabes Heating & Cooling, LLC As Creditor and Nzinga Begum as Attorney-In-Fact; Revised Motion No. 1 Motion to Correct Clerical Error, Vacate Improper Debtor Designation, And Address Improper Conversion to Miscellaneous Proceeding; Revised Motion No. 2 Motion to Recognize Creditor Status, Attorney-In-Fact Authority, and Preserve Involuntary Rights and Motion to Recognize Jubabes Heating & Cooling, LLC as Creditor and Nzinga Begum as Attorney-In-Fact; and numerous other unlabeled pages that appear to be AI-generated. Dckt. Nos. 13-19. Given the unclear nature of the Notice of Appeal filing, the Court noticed a show cause hearing for January 29, 2026 for Petitioners to appear and show cause why the Court should not construe the filing as an appeal.2 See Dckt. No. 23. In addition, a Notice of Deficiency was issued indicating to the extent the filing was intended to be an appeal, it needed to be signed, the appeal filing fee needed to be paid, and the proper form (Official Form 417A) and accompanying information needed to be completed and submitted on or before January 20, 2026. Dckt. No. 24.
Also, after consideration of all the filings submitted in this matter, the Court ordered a show cause hearing for Petitioners and Ms. Begum to appear and show why sanctions should not be entered against them pursuant to
- She should not be prohibited from filing any additional involuntary petitions in any Bankruptcy Court within the Southern District of Georgia unless such petition is signed, pursuant to
Federal Rule of Bankruptcy Procedure 9011 , by an attorney duly licensed to practice law in the State of Georgia; and admitted and in good standing to practice before the federal courts for the Southern District of Georgia; or admitted pro hac vice; - She should not be prohibited from filing any new pleadings in this Miscellaneous Proceeding without such pleadings being signed by an attorney in the manner described above; however, this prohibition would not apply to her legitimate prosecution or defense of matters currently on the docket in this Miscellaneous Proceeding or any appeals/reconsiderations of any such matters; and
- All subsequently filed pleadings in violation of any Bankruptcy Rule 9011 order entered in this matter shall not be filed in the Court‘s docket and the Clerk shall be ordered to store such pleadings in a correspondence folder and no further action will be taken on said pleadings; and the Clerk will be authorized to destroy said pleadings one year after filing.
Id.
Petitioners failed to cure any of the deficiencies, but on the morning of the January 29
Thereafter, Ms. Begum filed the following documents before the February 19, 2026 deadline:
- Amended Notice of Appeal and Election to District Court (Dckt. No. 58);
- Motion For Extension of Time to Pay Notice of Appeal Filing Fee (Dckt. No. 59);
- Motion for Leave to Amend Pleadings in Response to Order to Show Cause (Dckt. No. 61);
- Notice Regarding Simultaneous Filings (Dckt. No. 62);
- Notice of Appearance and Request for Video Appearance (Dckt. No. 63);4
- Response to Notice of Show Cause Regarding Construction of Notice of Appeal (Dckt. No. 64);
- Protective Notice of Appeal (Dckt. No. 66).
The day after the deadline, she also filed a Notice of Motion Requesting Reconsideration to Specially Appear Remotely for Good Cause and Compelling Circumstances on February 20, 2026.
CONCLUSIONS OF LAW
The liberal construction rules afforded pro se litigants will not rescue frivolous complaints. Haynes v. Obama, No. 21-cv-1462, 2022 WL 36914, at *1 (E.D. Wis. Jan. 4, 2022) (“While pro se pleadings are held to less stringent standards than those drafted by lawyers . . . not even excessively liberal construction rescues frivolous pro se complaints.“) (citations omitted). Given the totality of the circumstances of this case, the Court finds these petitions and Petitioners’ conduct to be totally frivolous and an abuse of the judicial system and the purported debtors. Furthermore, Ms. Begum‘s conduct in this case is sanctionable. As a result, this Miscellaneous Proceeding is dismissed, and sanctions are entered against Ms. Begum.
Turning to the current matter, a cursory review of the filings shows they are woefully inadequate as legitimate involuntary petitions and are an abuse of process, and as such the Court ordered the matter placed under seal and afforded Petitioners the opportunity to appear and show cause why the matter should not be dismissed. See
[T]he documents filed in this case. . . . do not contain a short and plain statement of the facts on which the involuntary petition[s are] based and, taken as a whole, clearly indicate an abuse of the bankruptcy process and an attempt to utilize the federal bankruptcy court for improper purposes. Under those circumstances, Section 105 of the Bankruptcy Code authorizes the bankruptcy court to issue “any order, process, or judgment that is necessary ... to prevent an abuse of process.”
11 U.S.C. § 105(a) ; see also In re Fachini, 470 B.R. 638, 643 (Bankr. M.D. Ga. 2012) (considering the requirements of Section 303 sua sponte where “petition is invalid on its face.“).
In re Gregory, No. 15-401, 2015 WL 5436718, at *1-2 (Bankr. N.D. Ga. July 24, 2015) (Diehl, J.) (opened by the court as a Miscellaneous Proceeding). Petitioners have failed to appear at any hearings, cure the deficiencies, or comply with Court orders. Furthermore, the Petitioners, namely
This Opinion and Order addresses the broad shortcomings and grounds for dismissal of these filings and conduct, which the Court finds to be frivolous and an abuse of process.8
ABUSIVE HISTORY.9
The genesis of the Petitioners’ actions appears to stem from a foreclosure and related dispossessory proceedings in the Northern District of Georgia, not the Southern District of Georgia. See Dckt. No. 98, at 1. It is unclear why the involuntary petitions were filed in the Southern District of Georgia, as no party appears to be located in this district. Some of the Petitioners—namely Jubabes Heating & Cooling, LLC, Smite the Blight Community, and Heirs of Ancestral Indian Lands—also have contemporaneously filed almost identical involuntary petitions in the Bankruptcy Court for the Northern District of Ohio. See SFR Atl Owner 1, L.P., SFR Atl Ower 1 GP, L.L.C., No. 26-30246 (Bankr. N.D. Ohio Feb. 10, 2026) (“Ohio Case“). The Ohio bankruptcy court has had similar struggles with Petitioners, ultimately dismissing the case. Id. at Dckt. No. 21. A cursory search of the public dockets of proceedings in other courts also shows a pattern of abuse of the judicial process by these various Petitioners.10
PURPORTED DEBTORS.
Involuntary petitions are submitted under penalty of perjury. See, e.g., Dec. 22, 2025 Filing, at 2 (“Petitioner(s) declare under penalty of perjury that the foregoing is true and correct according to the best of their knowledge, information, and belief.“); Dec. 30, 2025 Filing, at 4 (same); see In re Seven Three Distilling Co., L.L.C., No. 21-10219, 2021 WL 2843849, at *5 n.10 (Bankr. E.D. La. July 6, 2021) (“Each petitioning creditor, by signing the petition, makes an unsworn declaration under penalty of perjury permitted under
An involuntary bankruptcy case may only be commenced against a “person.”
Municipalities/Government Units/Probate Estates/Banks.
Municipalities and government units are not proper subjects of involuntary petitions. See generally
Additionally, Petitioners affirmatively represent several of these entities, including the Texas Department of Family and Protective Services and the Georgia Department of Human Services, are “person[s] against whom an order for relief may be entered under Title 11 of the United States Code.” Dec 30, 2025 Filing, at 11-16. Such assertions are patently false for the same reasons.
Similarly, “probate estates” also are not “persons” as defined under
Therefore, these petitions are subject to dismissal.
JOINT PETITIONS.
“An involuntary bankruptcy cannot be commenced against more than a single party—joint involuntary proceedings are not recognized. This is clear not only from the plain language of the statute but also from prior case law.” In re Gregory, 2015 WL 5436718, at *3 (citing In re Benny, 842 F.2d 1147 (9th Cir. 1988), cert. denied, 488 U.S. 1014 (1989); King v. Fidelity Nat‘l Bank of Baton Rouge, 712 F.2d 188 (5th Cir. 1983), cert. denied, 465 U.S. 1029 (1984); In re S. Florida Title, Inc., 92 B.R. 548, 549 (Bankr. S.D. Fla. 1988)). Many of the petitions list multiple purported debtors within a single petition or use “et al” and are clearly improper joint petitions. See, e.g., Dec. 22, 2025 Filing, at 63, 85-86; Dec. 30, 2025 Filing, at 3, 5.
Similarly, in most of the petitions, Petitioners also list multiple individuals and entities as “other names used by the debtor” or use “et al.” See, e.g., Dec. 22, 2025 Filing, at 3, 5; Dec. 30, 2025 Filing, at 3, 5. Most, if not all, of these individuals and entities are clearly not “other names
So, while Petitioners have filed more than fifty physical petitions, they have named over 100 purported debtors and individuals/entities as purported debtors in these petitions. See Dec. 22, 2025 Filing, at 1-100; Dec. 20, 2025 Filing, at 3-16. Overall, since joint involuntary petitions are not allowed, these petitions are clearly inappropriate on their face and are subject to dismissal.
NATURE OF THE BUSINESS AND TYPE OF DEBTOR.
The frivolous nature of the petitions continues with the Petitioners’ descriptions of the nature of the purported debtors’ businesses. The petitions against municipalities/governments classify the nature of the business either as a “single asset real estate as defined in
ALLEGATIONS AND THRESHOLDS.
The statutory threshold to file an involuntary case is aggregate claims against the purported debtor of $21,050.00 or more. See
These involuntary petitions include additional patently false statements: for example, the Petitioners allege they are eligible to file the petitions pursuant to
Many of the petitions also state Petitioners’ claim against a purported debtor has been transferred to the Petitioners. See Dec. 22, 2025 Filing at 2, 4, 6; Dec. 30, 2025 Filing at 4, 6, 8. In such case, the form directs petitioning creditors to: “Attach all documents that evidence the transfer and any statements that are required under Bankruptcy Rule 1003(a).” Id. (emphasis added). Petitioners checked the box but failed to attach any documentation evidencing a transfer of claim. See, e.g., Dec. 22, 2025 Filing at 3-4; Dec. 30, 2025 Filing, at 3-4. Petitioners’ failure to attach the required supporting documentation to these petitions is grounds for
AUTHORITY AND SIGNATURES.
Furthermore, none of the petitions is actually signed by a single Petitioner. See, e.g., Dec. 22, 2025 Filing, at 1-140; Dec. 30, 2025 Filing, at 1-41; see also
In addition, a cursory review of the petitions raises corporate authority issues. For example, Rozina Williams is listed as the “Executor” or “Executrix” of Jubabes Heating and Cooling, LLC on more than half of the petitions. See, e.g., Dec. 22, 2025 Filing, at 2-4, 25-46. Interestingly, Rozina Williams and Rhonda Williams are also collectively listed as the “President” of Jubabes Heating & Cooling, LLC in eighteen of the petitions. Dec. 22, 2025 Filing, at 5-24; Dec. 30, 2025 Filing, at 3-16. Limited liability companies do not have “executors.”
Furthermore, Ms. Begum has filed numerous pleadings on behalf of Petitioners claiming to be the “attorney-in-fact” for the Petitioners. Dckt. Nos. 14-17, 63, 76, 82, 96, 98. While an
FILING FEE.
While attempting to place more than fifty entities into involuntary chapter 7 bankruptcies, Petitioners have paid only one filing fee. See Dec. 22, 2025 Filing, at 142. Nevertheless, each involuntary petition affirmatively and falsely states the filing fee has been paid. See, e.g., Dec. 22, 2025 Filing, at 1, 3; Dec. 30, 2025 Filing, at 3, 5. As stated above, these pleadings were submitted under penalty of perjury and the statements are patently false.
In sum, Petitioners have improperly chosen this forum to attempt to file frivolous and severely deficient involuntary bankruptcy proceedings. They have continued to use the Bankruptcy Code as a weapon to place numerous entities into involuntary bankruptcies while failing to comply with court orders, rules, and procedures. This is an offensive abuse of the judicial process. For the reasons set forth above and, in the Court‘s previous orders, the involuntary petitions are dismissed. See Dckt. Nos. 1, 5.
NZINGA BEGUM AND PETITIONERS.
Turning to the specific actions of Ms. Begum, the Court notes Ms. Begum has repeatedly failed to comply with Court orders and has failed to attend any hearing. While it is unclear if Ms. Begum tendered the initial petitions, she has tendered all the subsequent pleadings.
Given the nature of the pleadings and conduct of Ms. Begum and the Petitioners, the Court issued an Order and Notice of Show Cause Hearing why the Miscellaneous Proceeding should not be dismissed and Bankruptcy Rule 901118 sanctions should not be entered (“Show Cause Order“)
Petitioners are hereby ORDERED to Appear and:
Show cause why Petitioners, as listed [in the case caption], should not be sanctioned pursuant to
Federal Rule of Bankruptcy Procedure 9011(c)(2) for presenting to the Court documents which appear (1) to be presented for an improper purpose, such as to harass, cause unnecessary delay, or needlessly increase litigation costs; (2) not warranted by existing law or by nonfrivolous arguments; and (3) to make allegations and factual contentions that do not have evidentiary support. SeeFed. R. Bankr. P. 9011(b)(1) -(3); see also Patterson v. Aiken, 841 F.2d 386 (11th Cir. 1988) (affirming Rule 11 sanctions against a pro se litigant);Show cause how Petitioners’ pleadings properly qualify as involuntary petitions pursuant to
11 U.S.C. § 303 , rather than violations of Bankruptcy Rule 9011 cited above;Show cause why the pleadings filed January 8, 2026 should not be deemed to violate Bankruptcy Rule 9011 cited above; and
Show cause why Petitioner Njinga Begum (personally, on behalf of all Petitioners listed above, and as agent for any other entity) should not be subject to sanctions under
Federal Rule of Bankruptcy Procedure 9011(c) for this purported conduct, which sanctions may include but are not limited to:
(3) the allegations and factual contentions have evidentiary support—or if specifically so identified, are likely to have evidentiary support after a reasonable opportunity for further investigation or discovery; and
(4) the denials of factual contentions are warranted on the evidence—or if specifically so identified, are reasonably based on a lack of information or belief.
(c) Sanctions.
(1) In General. If, after notice and a reasonable opportunity to respond, the court determines that (b) has been violated, the court may, subject to the conditions in this subdivision (c), impose an appropriate sanction on any attorney, law firm, or party that committed the violation or is responsible for it. Absent exceptional circumstances, a law firm must be held jointly responsible for a violation committed by its partner, associate, or employee.
- Prohibition of filing any additional involuntary petitions in any Bankruptcy Court within the Southern District of Georgia unless such petition is signed, pursuant to
Federal Rule of Bankruptcy Procedure 9011 , by an attorney duly licensed to practice law in the State of Georgia; and admitted and in good standing to practice before the federal courts for the Southern District of Georgia; or admitted pro hac vice; - Prohibition of filing any new pleadings in this miscellaneous proceeding, No. 25-00101, without such pleadings being signed by an attorney in the manner described above; however, this prohibition shall not apply to Petitioner Njinga Begum‘s prosecution or defense of matters currently on the docket in this miscellaneous proceeding or any appeals/reconsiderations of any such matters; and
- Subsequently filed pleadings in violation of any Bankruptcy Rule 9011 order entered in this matter shall not be filed in the Court‘s docket and the Clerk shall be ordered to store such pleadings in a correspondence folder and no further action will be taken on said pleadings; provided, however, the Clerk will be authorized to destroy said pleadings one year after filing.
Dckt. No. 25 (footnotes omitted). The Show Cause Order also includes specific references to the pleadings in question.19 Id. at 1-2 nn.2-4. None of the Petitioners, including Ms. Begum, appeared at the initial or any continued show cause hearings. They have been given multiple
OTHER MOTIONS AND MATTERS.
Turning now to the various other motions and matters:
Appeal Affidavit.
Petitioners’ appeal does not stay the entry of this Opinion and Order as bankruptcy courts retain jurisdiction to hear pending matters unrelated to the aspects of the case on appeal. Petitioners’ appeal contends: (1) the Court‘s order to open the matter as a Miscellaneous Proceeding and sealing/redacting the record violated their due process rights;20 and (2) Ms. Begum wrongly contends the Court listed her as a “debtor” in this proceeding.21 Dckt. Nos. 12, 58.
[T]he filing of a notice of appeal generally divests a lower court of jurisdiction over
Slott v. Smith (In re No Rust Rebar, Inc.), 671 B.R. 518, 525 n.26 (Bankr. S.D. Fla. 2025); see also Futch v. Roberts (In re Roberts), 291 F. App‘x 296, 298 (11th Cir. 2008) (bankruptcy court not divested of jurisdiction to dismiss a case while an order disallowing a proof of claim was on appeal). In this case, the matters on appeal do not involve the matters addressed in this Opinion and Order.
Furthermore, the orders on appeal22 are interlocutory and case management orders, entered in an effort by the Court to efficiently manage the proceedings and to have Petitioners appear and address numerous deficiencies. While it is not up to this Court to determine whether to accept an interlocutory appeal, this Court deems it unlikely the appellate court would grant leave to appeal these orders as the record is clear and these issues are not of the unique standard of
Emergency Withdrawal of the Reference Motion.
Procedurally, entry of this Opinion and Order is not stayed by Ms. Begum‘s “Emergency Motion to Stay Bankruptcy Proceedings Pending District Court Review and Withdrawal of the Reference.” Dckt. No. 76; see
Furthermore, no “cause” to withdraw the reference has been shown.
The mere implication of non-bankruptcy federal law in the proceedings is not sufficient to mandate withdrawal; the resolution of non-bankruptcy law must be essential to the dispute. . . . to establish that permissive withdrawal is appropriate, the moving party must demonstrate that sufficient “cause” exists for withdrawal. In re Parklane, 927 F.2d at 536 . . . . The Eleventh Circuit has never addressed what constitutes “cause” for purposes of this statute, but has commented that it is not an “empty requirement.” In re Parklane, 927 F.2d at 536. In In re Parklane, the Eleventh Circuit was not faced with determining what constitutes sufficient cause for permissive withdrawal, but noted that it would consider such factors as: (1) uniformity and efficiency in the administration of bankruptcy law, (2) prevention of forum shopping, (3) conservation of the parties’ resources, and (4) facilitation of the bankruptcy process. Id. at 536 n.5 . . . . Other courts utilize these factors, as well as other considerations such as: (1) whether the claim is core or non-core, (2) efficient use of judicial resources, (3) a jury demand, and (4) prevention of delay.
TPI Int‘l Airways, Inc. v. Fed. Aviation Admin. (In re TPI Int‘l Airways), 222 B.R. 663, 668 (S.D. Ga. 1998) (citation modified). The Court finds it nonsensical that the resolution of non-bankruptcy law issues in the involuntary bankruptcy proceedings filed by the party requesting the withdrawal are essential to the dispute. Petitioners chose this forum to place more than fifty parties into involuntary bankruptcies. They now state the involuntary petitions involve “Indian trust land, inherited trust interests, and revisionary rights, arising under federal trust law independent of Title 11.” Dckt. No. 76, at 6. It is difficult to see how “Indian trust land, inherited trust interests, and revisionary rights” has any relation to resolving these involuntary proceedings. The involuntary bankruptcy process is designed as “a collective remedy where an alleged debtor is generally not paying its undisputed, unliquidated debts as they come due” and not as a mechanism to determine and collect land or reversionary interests as pled by Ms. Begum and the Petitioners. See In re Gregory, 2015 WL 5436718, at *3 (involuntary bankruptcy is not designed as a remedy for
For these reasons, the Emergency Motion to Stay Bankruptcy Proceedings Pending District Court Review and Withdrawal of the Reference (Dckt. No. 76) is denied.23
Similarly, Ms. Begum‘s “Notice of Compliance, Reservation of Rights, and Affidavit of Attorney-in-Fact/Trustee in Response to Notice of Requirement to Retain Counsel” and “Motion for Judicial Determination of Representation Status, Objection to Clerk Classification, and Motion for Withdrawal of Reference or, in the Alternative, Abstention and Transfer to District Court” (Dckt. No. 82) are denied. These pleadings are largely incomprehensible. For the reasons discussed in this Opinion and Order, these requests are denied. In addition, the caption of the motion appears to reference the Ohio Case, not the matters pending in this Court. Dckt. No. 82, at 5 (SFR ATL Owner, L.P. is the alleged debtor in the Ohio Case).
Overall, these pleadings lack any semblance of reasonable inquiry to confirm “it is not presented for [an] improper purpose,” warranted by existing law, or containing claims with evidentiary support. See
Other Filings.
Petitioners’ other pleadings have been duly considered by the Court and are denied for the reasons discussed in this Opinion and Order and as previously addressed in the Opinion and Orders entered on December 24, 2025 (Dckt. No. 1) and December 30, 2025 (Dckt. No. 5). See, e.g., Dckt. Nos. 13-17, 19, 61.
CONCLUSION
For these reasons, this Miscellaneous Proceeding and all the purported involuntary petitions are ORDERED DISMISSED and all other outstanding motions are ORDERED DENIED;24
IT IS FURTHER ORDERED THAT Ms. Begum is prohibited from filing any additional involuntary petitions in any Bankruptcy Court within the Southern District of Georgia unless each petition is duly signed pursuant to
IT IS FURTHER ORDERED THAT Ms. Begum is prohibited from filing any new pleadings in this Miscellaneous Proceeding, No. 25-00101, without such pleadings being signed by an attorney in the manner described above; provided however, this prohibition shall not apply to Petitioner Njinga Begum‘s legitimate prosecution and/or defense of matters currently on the docket in this Miscellaneous Proceeding or any appeals/reconsiderations of any such matters;25 and
IT IS FURTHER ORDERED that any subsequently filed pleadings in violation of this order shall not be filed in the Court‘s docket and the Clerk is ordered to store such pleading in a correspondence folder and no further action will be taken on said pleading; provided, however, the
[END OF DOCUMENT]
Notes
(b) Representations to the Court. By presenting to the court a petition, pleading, written motion, or other document—whether by signing, filing, submitting, or later advocating it—an attorney or unrepresented party certifies that, to the best of the person‘s knowledge, information, and belief formed after an inquiry reasonable under the circumstances:
(1) it is not presented for any improper purpose, such as to harass, cause unnecessary delay, or needlessly increase litigation costs;
(2) the claims, defenses, and other legal contentions are warranted by existing law or by a nonfrivolous argument to extend, modify, or reverse existing law, or to establish new law;
The orders and notices entered to date are:
- Orders placing the matter under seal pending Court resolution (Dckt. Nos. 1, 5);
- Show cause why miscellaneous proceeding should not be dismissed (Dckt. No. 7);
- Show cause why sanctions should not be entered (Dckt. No. 25);
- Show cause why the appeal affidavit should not be construed as an appeal (Dckt. No. 23);
- Denying requests to appear remotely (Dckt. Nos. 69, 79);
- Redacting names of alleged debtors to protect them from immediate harm (Dckt. Nos. 11, 75).