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Discharge Deadline Tomorrow, Next Steps?

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  • Discharge Deadline Tomorrow, Next Steps?

    Hello everyone,

    I filed Chapter 7 bankruptcy back in May and had my 341 hearing in June. My discharge deadline is tomorrow. To those of you who have already been through this, what should be my next steps after my deadline has officially gone through. I've been checking my credit reports via Credit Karma and it appears almost all of my creditors have discharged my debt except for two bank loans that still show the status as "transferred for collection." Both of these loans were included in my bankruptcy petition. I wonder if my first move after discharge should to contest the status of these loans.

    Let me know your thoughts.

  • #2
    What I'm finding is that the keyword post-discharge is "patience." It takes a little time for your discharge to filter through your credit reports and for all your creditors to update your status to "included in bankruptcy" I know a lot of people (myself included) want to dive right into the rebuilding process as soon as they see the discharge on PACER, but the fact is it's a process that's going to require a little time and patience.
    This post does not constitute legal advice. If you use this advice instead of that of a lawyer, God help you.
    Filed CH 7: 5/11/17 341: 6/12/17 Discharge: 8/14/17

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    • #3
      "What I'm finding is that the keyword post-discharge is "patience."

      How funny. I posted on another forum about a month back and everyone there said things along the lines of "the real work begins after your discharge." So far what I've found is that bankruptcy takes a different trajectory for each person. In any case how long do you think I should wait before disputing that bank loans are still in collections?

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      • #4
        So far most of the guidelines I've seen have said to give it at least a couple weeks to a month post-discharge.
        This post does not constitute legal advice. If you use this advice instead of that of a lawyer, God help you.
        Filed CH 7: 5/11/17 341: 6/12/17 Discharge: 8/14/17

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        • #5
          Ok thanks for the info.

          Comment


          • #6
            There's nothing to really do. The date represents the cutoff date for dischargeability complaints. Once the date passes your Court will issue a general discharge of your debt. About 2-4 weeks after the discharge is entered you can then start looking at cleaning up your credit report. Any prepetition "bad" debt that doesn't reflect a $0 balance, no payment history, and any status other than "included in bankruptcy" (IIB). Leave the good stuff alone!
            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.

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