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    Proof of Claims

    Our Bar Claim data is Jan 25th, and hardly any creditors have filed a claim yet. Is it normal for them to wait until the last minute? Also did anyone file on any payday loans? I was curious if they normally file claims or not. Thanks

    #2
    For my Ch 13, the POCs were filed throughout the time period up to the bar date. Some may have waited until the final few days.
    Filed Ch 13 November 2013, discharged March 2019
    Credit Karma FICO scores 3 months post-discharge:
    715 Trans Union/726 Equifax

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      #3
      Yes, it is very normal to wait until almost the last day. The fact is that most (original) creditors sell the debt to third party junk debt buyers (JDBs) such as LLNV, B Real, B Cast, PRA Receivables and others.
      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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        #4
        Hi..I filed on 1 payday loan..it wasn't very big. The trustee paid it bit by bit over the 5 years. I was told that trustees are not big fans of payday loan companies and have been known to drag them out over the five years. I didn't believe it when I was told that, but than I saw it
        Filed Chapter 13 - 07/20/12
        Discharged 8/2/16

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