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Just made my last payment

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  • Just made my last payment

    Been in C13 for 5 years, finally paid off the last payment of $2115 and my balance is at zero. The lawyer filed an emergency motion to cease wage order so I don't get overcharged and the judge signed it. So now I sit and wait for discharge paperwork/etc. What happens next? Is it just a waiting game for payments to post and the trustee to audit/recommend discharge?

    It's been a hellish 5 years but I'm happy that it's pretty much over.

    Thanks to JustBroke, LITR, and many others for your kind words and support when I almost lost my marbles due to the stress. If I had to do it all over again I would, but I would come in more educated. But let's just hope I don't have to ever do this again.

    Soon to be joining the 2017 discharge club, 8 months early


  • #2
    Hi, did you have an attorney? You should receive documents to sign that show you have no outstanding support order payments. Get that turned in ASAP. The discharge should happen fairly quickly and (I would guess he beginning of August) then it takes a month or two for the case to close, while all final payments to creditors post, etc. ( but that's behind the scenes stuff that you're not involved in). It sounds like you and I are almost in the sane situation. I paid off our account July '16 and was discharged Aug 2. We were done 1 year early. I am so happy for you!
    Filed Chapter 13 - 07/20/12
    Discharged 8/2/16

    Comment


    • #3
      Congratulations on completing your journey through Chapter 13. The rest is administrative and may not go as fast as you like. As sophieanne wrote, there are some things you have to sign and turn in (e.g. DSO support certification). Hopefully you did your second class and your attorney sent in that certification. The discharge is actually usually easy and quick. However, the closing of the case varies by district. This (administrative) closing process can take 30 days to as many as 90 days (or more).
      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog


      I am not an attorney. Any advice provided is not legal advice.

      Comment


      • #4
        Congrats! Been here right along with ya! Welcome to the 2017 club!!!
        Discharge date: October 2017 (will it ever get here?)

        Comment


        • #5
          Originally posted by sophieanne View Post
          Hi, did you have an attorney? You should receive documents to sign that show you have no outstanding support order payments. Get that turned in ASAP. The discharge should happen fairly quickly and (I would guess he beginning of August) then it takes a month or two for the case to close, while all final payments to creditors post, etc. ( but that's behind the scenes stuff that you're not involved in). It sounds like you and I are almost in the sane situation. I paid off our account July '16 and was discharged Aug 2. We were done 1 year early. I am so happy for you!
          Yes, my attorney took care of everything. He said once the payments posted I will receive certification and discharge paperwork to sign but that won't be until the payments post and the trustee audits the case. He said I should see those papers by the end of the month then there's a 21 day waiting period for the motion to discharge to be objected which he says due to me paying early and being on top of everything and all creditors paid there should be no objections. So now it's time to sit back, collect full paychecks, and just wait for discharge.

          Comment


          • #6
            Originally posted by justbroke View Post
            Congratulations on completing your journey through Chapter 13. The rest is administrative and may not go as fast as you like. As sophieanne wrote, there are some things you have to sign and turn in (e.g. DSO support certification). Hopefully you did your second class and your attorney sent in that certification. The discharge is actually usually easy and quick. However, the closing of the case varies by district. This (administrative) closing process can take 30 days to as many as 90 days (or more).
            Thank you, sir. I have you to thank for coaching me throughout the last 5 years. I'm not worried about the admin process going slow, just happy to not have to pay $2115/mo anymore so I can afford to do the things I like now (dinner out with the wife, new dog lol). I think I did the second class way early in 2012, but I will check with my lawyer to make sure. If not I'll do the class and send him the certification to file.

            Thanks again for everything, you all have been super helpful, kind, and supportive

            Comment


            • #7
              Originally posted by dmc-2008 View Post
              Congrats! Been here right along with ya! Welcome to the 2017 club!!!
              Do I get a membership card? lol. In all seriousness it's been a hell of a journey and I've learned so much about BK code/law that I'm considering coaching some of my friends on how the process works. This form has been invaluable to me and I hope to be able to help others with their questions now that my process is nearing completion

              Comment


              • #8
                thats really nice of you! We oldies have lots to offer the newbies for sure!
                Discharge date: October 2017 (will it ever get here?)

                Comment


                • #9
                  Originally posted by dmc-2008 View Post
                  thats really nice of you! We oldies have lots to offer the newbies for sure!
                  Oldies? Speak for yourself. I'm forever 29 (or was that 39, or 49?) I'm so old, my Trustee wanted to see my death certificate.
                  Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                  Status: (Auto) Discharged and Closed! 5/10
                  Visit My BKForum Blog: justbroke's Blog


                  I am not an attorney. Any advice provided is not legal advice.

                  Comment


                  • #10
                    Originally posted by justbroke View Post
                    Oldies? Speak for yourself. I'm forever 29 (or was that 39, or 49?) I'm so old, my Trustee wanted to see my death certificate.
                    I'm in the same boat. 42 and counting

                    Comment


                    • #11
                      Originally posted by justbroke View Post
                      Oldies? Speak for yourself. I'm forever 29 (or was that 39, or 49?) I'm so old, my Trustee wanted to see my death certificate.
                      I was watching Golden Girls and Dorothy said to her mom Sophia, "You're so old you don't have fingerprints!".

                      Comment


                      • #12
                        Originally posted by cz3ch View Post

                        I'm in the same boat. 42 and counting
                        Congratulations!! I giggled at the part where you mentioned that now you can get a new dog. I have 3 and dang all that puppy happiness comes at a cost! LOL. I hope you name the pup something that defines the new life you created
                        Also - I like to say I am 21 plus tax.

                        Comment


                        • #13
                          Originally posted by puppiesrock View Post

                          Congratulations!! I giggled at the part where you mentioned that now you can get a new dog. I have 3 and dang all that puppy happiness comes at a cost! LOL. I hope you name the pup something that defines the new life you created
                          Also - I like to say I am 21 plus tax.
                          Puppies are expensive. We're buying a purebred Olde English Bulldog now that we can afford it. It's a wedding anniversary gift for my wife. But yes, the world needs more puppy love. Costly but so rewarding

                          Comment


                          • #14
                            Also, I took the 2nd debtor financial course yesterday. It was a 2 hour course that took me 10 minutes to blow through. It's all common sense answers that anyone should know. Unfortunately they won't let you complete the test without forcing you to stare at the screen for 2 hours straight. So I just sat there and read a book while waiting for my time to come up, answered the questions and got my certification. The motion to discharge and completion of the debtor course will be filed today. With any luck I will be fully discharged pending final review in the next 30 days.

                            Comment


                            • #15
                              All of these posts made my day! Congrats!!!! You did it! Woo hoo!!!!!β€οΈπŸŒΈπŸŒΊπŸ‘
                              Discharge date: October 2017 (will it ever get here?)

                              Comment

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