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New here just finishing ch 13

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    #1

    New here just finishing ch 13

    Hi I wish I would have found this site 5 years ago.
    My 5 year plan is just ending ndc shows closed and everyone paid but the end was interesting to say the least and confusing.
    End of July I got a letter saying my plan will be 1211.02 short and if I did not have it paid by August 24 the date my plan was confirmed 63 months after I filed. I made every payment how could there be that much of a screw up? I noticed the percentage up until July was 27 and near the end of July jumped to 30 is that why suddenly the amount changed?
    I got the money and paid it and am just glad it is almost done just have to wait and keep checking pacer for the discharge
    Tags: None
    #2
    Welcome to bkforum and congratulations on completing your plan!

    Based on the info provided, we can only guess why your % and amount due increased. Did you receive a tax refund or bonus that you needed to pay to the trustee? Did you have an increase in income during the plan? Have you asked your attorney what happened? There is no reason this should remain a mystery to you.
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

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      #3
      Did you receive a settlement, inheritance, or insurance monies of some type and not report it?
      11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JP

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        #4
        Hi thanks for the replies. No my payment was 365 a month never changed until the very last month then they changed it from 27 to 30 and sent me a letter saying my plan needed the 1211 dollars. All tax return money required was paid in. I paid the 1211 it was more important to me to just have it finished after going five plus years then question why. I just wondered if anyone else had run into this. I also have dealt with the phony we going to put you in jail for check fraud on a payday loan for the last five years and cannot get them to end

        Comment

          #5
          Might have been tough to swallow but I agree with you in your reaction. If anything the audit may reveal a refund, but you wont know until it is finalized.

          Fingers crossed for your swift discharge.
          11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JP

          Comment

            #6
            Thanks. Yes I had come to far to make a bunch of waves I just want the discharge and move on

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