Discharge and Closed?

[EndInSight]

Can anyone explain the time frame or at least come close to explaining the difference.

I know discharge comes after completion of plan (2 more to go on 60) and an audit to make sure all money was distributed correctly but what about "being closed"?
How long can a 13 be considered "NOT" closed?

Thanks tons,

J

[rrockinggramma]

well after spending my weekend in tears, this is what I found out

I am 36 months as of filing date Aug 3 2005. I finally got ahold of the lady that has my case in the trustee's office. She told me that it is 36 months from CONFIRMATION date and that my confirmation date was Nov 3, hence I have to continue to pay until Nov 3. She is mailing me her direct line to call her on Nov 3 to stop the payments. Then she told me that it can take up to 90 days after that. My trustee sends out a letter to all creditors and they have the right to object to my discharge (that all takes about 6 weeks) and if no one objects, then when the court gets to it, your discharge order is signed. If anyone objects then you have to go to a hearing and then proceed from there. I was so bummed all weekend.

[catalina2225]

Same here

I too was just told that countdown is from my confirmation date. Bummer.

[EndInSight]

Here are my stats...........

CASE STATUS ACTIVE

DATE PETITION FILED 9/18/2003
DATE PLAN FILED 9/18/2003
FIRST 341 MEETING DATE 10/22/2003
DATE CASE CONFIRMED 11/21/2003

PERCENTAGE TO UNSECURED 18.825%
PLAN BASE $15,071.34
TOTAL PAID INTO PLAN $14,070.00
TOTAL PAID TO ALL PARTIES $14,070.00

So all of the above means NOTHING in terms of time frame for 60 months?

Doing the math even I can see that the balance due as of April 2008 is $1001.34 MINUS the recent payment of $290.00 equals a balance of $711.34 due.

My payment was upped with NO notice from anyone other than a phone call made by myself to the trustees' office because after doing some math, I could see that by paying the original amount my plan was going to be for 62 months! WTF was wrong I wondered and still wonder what happened.
No one at the attorneys' office knew zip hence the call to the trustees' office.
I checked NDC after not hearing back and the figures had changed....% had gone up and amount remaining had gone down.
So from what you guys are saying, I keep paying UNTIL November?

Now I am REALLY confused.

Guess I'll need to make another call to the trustee gal.

Grrrrrrrrrr.......

Thanks for replies.

J

[$$only4ever]

I filed chapter 13 at the end of May 26, 2005. My first payment was due on 06/26/05...My plan was for 60 months. Last payment will be on 05/26/2010. I hope this helps Endless.

[1/2 way in OR]

I filed 1 April 2005.
Made my final payment in February 2008.
Discharged April 3rd 2008.
Closed mid April 2008.