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  • brandv1
    started a topic Disaster discharge?

    Disaster discharge?

    I have so many questions and concerns right now that I don't know where to start.

    We're in Baton Rouge, and last week our house was flooded (about 17 inches of water throughout the house and no flood insurance because we are nowhere near a flood zone), as well as both cars. One car was...
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  • cspa522
    started a topic DISCHARGED!!!

    DISCHARGED!!!

    It's over! It's over! We did it! 60 long months and we're done! Logged onto the CM/ECF database - I've been checking every few days since we made the last payment/took the financial management courses/sent in all the necessary paperwork - and it's done! Discharged!!! I can't believe it...
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  • ​LESSONS LEARNED: My IMPERFECT road to… being DISCHARGED!

    I am so relieved. My story began 5.5 years ago with a trustee’s audit, a ‘Presumption of Abuse’ and a Dept. of Justice Audit thanks to an inexperienced BK lawyer. It’s a long read but I can’t imagine anyone going through this gauntlet again so I chose to share the major lessons I learned...
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  • Crawley
    started a topic Pro Se DISCHARGE!

    Pro Se DISCHARGE!

    Gotta give a shout out to the folks at the Alabama Middle District. My housing situation made waiting 30 days for the discharge paperwork untenable. A phone call on day 61 got me to the clerk, who got me to the supervisor, who got the judge to sign off on ours ASAP. Printed it off of PACER this morning....
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  • Romie
    started a topic 341 Meeting today!!!!

    341 Meeting today!!!!

    Had my 341 meeting today for my chapter 7 BK Filing, thank god it's over's. Went well.
    Arrive at 9 am waited almost 1 hour for the trustee to arrived.
    My name on the list was last on the first page.
    Name was called trustee ask to verify the information is current, is that my signature....etc....
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  • What is the exact point when the 60 months ends in a chapter 13?

    I'm approaching 5 years and I don't remember the exact point in which the 60 months starts. I filed on 7/2, was confirmed 8/1, 341 meeting was 8/20. I'm in Massachusetts and am not in a 100% payback. Assuming I've now made all 60 payments, at what point should I instruct the attorney to file for the...
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  • Discharged debt 2/2011 from BOA, OCWEN is trying to collect and report on credit

    Hi,
    We filed chapter 7 BK in 2/2011, our debt was discharged in 6/2011. Our case finally closed in 12/2013 because our trustee died and they had to assign the case to another trustee which took time to get him up to speed, pay our creditors and finally close our case.

    We had several...
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  • larry13
    started a topic How long b4 ch13 is off the cr?

    How long b4 ch13 is off the cr?

    If this has been thoroughly answered elsewhere, my apologies. I completed a 5yr 100% ch13 with discharge in Oct. 2012. Filing date was Aug 2007. The last time I checked my scores, they were pretty good, but the BK was still showing. I read that the BK will come off the reports 7 yrs after filing for...
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  • teddybeardj
    started a topic Discharge party at the Trustee's house... :)

    Discharge party at the Trustee's house... :)

    Hey everybody, document 41 on pacer says DISCHARGE.

    And I quote
    "B18W (Form 18W) (08/07)
    United States Bankruptcy Court
    District of Nebraska
    Case No. 10−8*****
    Chapter 13
    In re
    Debtor(s) (name(s) used by the debtor(s) in the last 8 years,...
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    Last edited by justbroke; 10-17-2013, 07:01 PM. Reason: Moderator redacted name of Judge.

  • Greysky
    started a topic And Done

    And Done

    Its official! Just received a copy of our C7 Discharge Order from the Lawyer. Pacer shows standard discharge. We almost waited to do this now I am so glad we didn't. With this weight off of our shoulders we can start rebuilding our lives. Thanks for everyones advice, help, and support on this site....
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  • NowImDownInIt
    started a topic Stick a fork in me...

    Stick a fork in me...

    ... I'm done! Today I emailed my signed "Motion to Discharge" to my attorney after the longest 5 years of my life..

    2 weeks after I filed I found out I was pregnant with my now 4 year old daughter.. I have married, brought new life into the world, been laid off, divorced, changed...
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    Last edited by NowImDownInIt; 08-07-2013, 01:50 PM.

  • lloway21
    started a topic My BK Timeline !!!

    My BK Timeline !!!

    So I filed on March 1, 2012, I had my 341 Meeting on April 6, 2012 and was discharged June 6, 2012. I received my "walking" papers in the mail about a week ago !!! It's official !!! I filed Pro Se No Asset Consumer Chapter 7 in Missouri. I finally have the fresh start I deserve...
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  • SiftedLikeWheat
    started a topic Discharged!

    Discharged!

    Still cannot believe it, but our attorney emailed today with the Discharge!!!!!

    A hearing was scheduled for a week from today, but he said that will most likely be cancelled. The case will still have to be closed, but that is administrative, as we have the Discharge in hand!...
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  • Jawbox
    started a topic Discharged!!!

    Discharged!!!

    Been paying the trustee since 6/4/2008, and today we have the Discharge order, a full year early! 100% payback, and all zeros on the amount owed!

    Chapter 13 Datacenter still reports it Active, but I have the Discharge order in my hand! Today is a GOOD DAY! No more debt, EVER!
    ...
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  • missfontella
    started a topic Vacating a jugdement

    Vacating a jugdement

    Ive done a bit of research on the subject and have the basics down. I asked my attorney about representing me post discharge to vacate two judgements. She said that it is included in the bankruptcy and asked for the documentation on them. Can a judgement be vacated pre-discharge? Or did she misunderstand...
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