trustee payoff

[bperry]

I need some education on this,my first question is.If I payoff early I m told that I have to pay off all unsecured creditors as well? Correct? I finnaly got my statement form the trustee after about 5 phone calls.My mortagae payments are at 3,365 left on the statement.I pay 500 a month does this mean in 6 months or so Im done???? What happens to the unsecured credit.
I have been in the plan since 6/03.
Would it be smarter to stay the next 6 months??The reason I ask is my mortgage seems to be palying games with me.Holding checks past the 15 day grace and I havent gotten a statement in 3 months now. is this because Im near the payoff?Thanks bob

[hhou812hh]

It looks like you will be paying your mortgage payments off in the next 7 months based on $500(I'm assuming that you were behind on your mortgage payments when you filed in 03). After that you will still be paying $500 a month until 6/06 and that will go towards your unsecured creditors, then you "should" be granted a discharge. If you want to pay your plan off before 6/06 then you need to pay ALL creditors secured and unsecured in full. From what I have been reading on other threads you should contact your atty and make sure you don't have any issues as far as your tax refunds since technically that is disposable income and should go to the trustee. I just hate to see so many people nearing the end of this plan only to find out that a mistake will cause it to be dismissed.

Good luck!