Just saw last payment cleared the bank

[helpless]

I just saw my last payment cleared my checking account. I didn't even have to pay the full amount this month. I called the trustee's office and asked whether I need to send the full payment or what was left showing. She told me to send in what was left showing and that after the audit, if I owed anything else that they would let me know and that I could stop sending in payments. Yeah, an extra $557 a month, just in time for my son leaving for college in three weeks.

[epiphany]

You are no longer HELPLESS! Congrats to you and enjoy!

ep

[jessegirl]

Congrats - that must be a greet feeling....

[BK2008]

Very cool...that's like getting a huge raise!

Congrats!

[AngelinaCatHub]

http://www.youtube.com/watch?v=_1_kgNp9oQg

This one for you, Mom and 'Hub

[liz417]

YEAH!!!!! Congrats!!!! Now you can change your name to "helpful' or hopeful

[DebtSlave]

Glad to hear it !

[lrprn]

We love having another My Ch 13 IS OVER party!!!

Congratulations on making it to the end of your Ch 13! That is such an incredible achievement. You give all of us 13ers hope we can make it too! Way to go, Helpless! We all salute you!

[kynana]

My last payment cleared the bank last week! Do you get a letter from the trustee saying the audit is completed and your case has been submitted to court for discharge?
I am so anxious to get my house refinanced. I owe my attorney extra money which was going to be paid outside the plan with a refi. Not sure if I should try for a refi when I get a letter or wait a few months for credit scores to go up. Will the discharge make a noticeable difference in the credit scores?

[Flamingo]

My last payment cleared the bank last week! Do you get a letter from the trustee saying the audit is completed and your case has been submitted to court for discharge?
I am so anxious to get my house refinanced. I owe my attorney extra money which was going to be paid outside the plan with a refi. Not sure if I should try for a refi when I get a letter or wait a few months for credit scores to go up. Will the discharge make a noticeable difference in the credit scores?

Here's what usually goes down after you make your last payment. You should receive a letter from your Trustee indicating they received your last payment and the course of events that will take place for you to be granted your discharge. The Trustee will send out any remaining payments to creditors and also send to all creditors documentation for them to sign and return to the Trustee. When all that signed information is received by the Trustee and your Plan audited by the Trustee, if it all jives and is in order you will receive your discharge. Here is our timeline for those occurrences.

Paid off Plan - 4/11/06
Trustee Letter Received - Early June 2006
Discharge dated 8/30/06 received early September 2006

As to refinancing - I would not do so until you receive your discharge but, in any event, consult with your attorney to see if it is possible to start investigating options during the predischarge period.

[arkienurse]

Congrats on making it through intact. It is all a downhill ride now.

[pinzpilot]

Here's what usually goes down after you make your last payment. You should receive a letter from your Trustee indicating they received your last payment and the course of events that will take place for you to be granted your discharge. The Trustee will send out any remaining payments to creditors and also send to all creditors documentation for them to sign and return to the Trustee. When all that signed information is received by the Trustee and your Plan audited by the Trustee, if it all jives and is in order you will receive your discharge.

We are making our last payment this month, so we have a few questions about what we can or can not do. My $%&*hole attorney refuses to answer any of our questions and is of no help at all. He's the kind of scumbag who does as little work as possible for the most amount of money. Anyway, after we make our last payment to the Trustee, here are my questions:

- Could you explain more about this audit process and what I should expect?
- Can my wife now seek a better job or possibly a promotion in order to make more money?
- Can we now sell our boat and truck?
- Should we expect more hell from the Trustee in the coming months before discharge?

Thanks for your help.

[arkienurse]

We are making our last payment this month, so we have a few questions about what we can or can not do. My $%&*hole attorney refuses to answer any of our questions and is of no help at all. He's the kind of scumbag who does as little work as possible for the most amount of money. Anyway, after we make our last payment to the Trustee, here are my questions:

- Could you explain more about this audit process and what I should expect?
- Can my wife now seek a better job or possibly a promotion in order to make more money?
- Can we now sell our boat and truck?
- Should we expect more hell from the Trustee in the coming months before discharge?

Thanks for your help.

All the audit is, they look back over the length of your bk and make sure everyone who filed a claim received what they were supposed to, no one got overpaid or underpaid, and that everything else is generally in order. I made my last payment on Sept 1st, and was d/c'd about a month later.
I see no reason why your wife can't be looking for a more rewarding job.
I would wait to sell the boat or truck until I was officially discharged, just to make sure no waves get started, after all, you should only be a matter of a month or so away from being there.

[pinzpilot]

All the audit is, they look back over the length of your bk and make sure everyone who filed a claim received what they were supposed to, no one got overpaid or underpaid, and that everything else is generally in order. I made my last payment on Sept 1st, and was d/c'd about a month later.
I see no reason why your wife can't be looking for a more rewarding job.
I would wait to sell the boat or truck until I was officially discharged, just to make sure no waves get started, after all, you should only be a matter of a month or so away from being there.

Sheesh, are we ever ready to get this nightmare behind us. 16 days left before we make our LAST MONTHLY PAYMENT!! It's nice to hear that your official discharge came shortly after your last payment. But, for us, our paperwork says discharge will come after 6-8 months.
The worst part of all this is our "so-called attorney". If you ever ask him any question, he always replies with, "well, what do you think" in a very smart-ass, arrogant tone, and then says he'll get back with you which he never does. So, I have to go to forums like this to ask others about their experiences and their advice to hopefully get an answer to my questions, all the while realizing that it isn't the legal advice that I paid that clown for. What a shame!
Thanks for your help.

[helpless]

Well, I made my last payment last month, but they didn't send out the whole amount to everyone, so they will make one last payment this month of $187 which is still in trustee's bank that is owed, so I will then be on my way to discharge. Why oh why didn't they just send it all out last month!!! Oh well, at least I don't have to make a payment this month.