When exactly is my payment due?

[James H]

I'm getting ready to send my 3rd payment in but have never actually gotten a due date


In my info on the National Data center it says

Date Petition Filed 5/21/2007
Date Plan Filed N/A
First 341 Meeting Date 9/20/2007
Date Case Confirmed 10/15/2007





Also that Confirmed date is new, that was not up there before. Does this mean that everything went through and I can just make my payments now and not worry about anything else happening?

[qwertysue]

You should be getting a set of confirmation papers in the mail from the Trustee office. It took us about 2 weeks to get the formal papers that had the due date--we were paying on the 20th (our confirmation date) but the papers indicated the 12th.

[James H]

also, one other thing


in the case summary it says

Percentage To Unsecured 100%
Plan Base $14,240.00


but my total on my unsecured is a little over $40,000

and my payments are only $240 a month so i'm not even close to 100% payback

[woeisme]

Did all your unsecured make claims? If not, you might be paying back 100% to the ones who actually made claims, and 0% to the ones who didn't make a claim? Just a possibility.

[James H]

Did all your unsecured make claims? If not, you might be paying back 100% to the ones who actually made claims, and 0% to the ones who didn't make a claim? Just a possibility.

How do I find that out? would it be under the Claim Amount in the claim summary? Because out of the 21 claims more than half have $0.00 under claim amount

[rrockinggramma]

the bar date for claims to be filed is usually 90 days for unsecured and 180 days for government claims. If it has been 90 days and only a few have filed, then you could be paying back 100 percent. That is one of the advantages to a chapter 13. (if there are many. LOL) in that many do not bother to file claims at all and in the end, they are discharged.

[James H]

the bar date for claims to be filed is usually 90 days for unsecured and 180 days for government claims. If it has been 90 days and only a few have filed, then you could be paying back 100 percent. That is one of the advantages to a chapter 13. (if there are many. LOL) in that many do not bother to file claims at all and in the end, they are discharged.

so if i'm paying 100% would that mean i could try and pay a little extra each month or maybe use my tax return to try and pay this off a little early?