The stress is over. Ndc has updated

[Clay3007]

How soon should the discharge happen in the timeline? All checks have been mailed out and all balances show $0 now. Is it usually 30 days or is this a case of how soon the trustee’s office moves? I checked pacer and the last document was on 9/19/24.

[smr46977]

Congratulations! I too have been checking day & night (NDC & Pacer) for updates...I'm starting to see changes in NDC, such as a Pay Schedule tab that shows I have a surplus of approx $8000 (I'm assuming this is due to a car i surrendered 3 years ago while in this plan, and under the claims there is a "debtor refund" claim, but no info has been entered yet. Currently there is $1836 on hand, and when tomorrow's payroll deduction hits approx next Wednesday, the balance on hand will be more. I'm ready to put this behind me & get a full paycheck!

[Happygirl]

Another question, our auto loan was included in the chap 13. Whats the process of getting the title now thats its paid off. Seems I have seen on here some banks send it others you have to call and inquire about it?

My car was through the CH13. It got paid off early on in our journey and they sent us the title. My lawyer said sometimes they send it immediately after paid off while others get it after the whole journey is done. Just my experience.

[justbroke]

I would wait 4-6 weeks for the bank to get the discharge and for the case to close. If you don't have it after 6 weeks, then call the bank and demand the title.

[Clay3007]

Another question, our auto loan was included in the chap 13. Whats the process of getting the title now thats its paid off. Seems I have seen on here some banks send it others you have to call and inquire about it?

[justbroke]

Excellent!

[ebok1595]

I tried contacting my trustee several times with no luck, then I got an unrelated email from them requesting a DSO. I responded, and asked if they would be stopping the payroll election. (They've taken 3 extra payments for an overpayment of about $1,700). A couple of hours later they emailed me a copy of the order which I forwarded on to my employer. I got my full check this weekend!

[Clay3007]

If you can snag a copy of the court order (from PACER) then march it right to your employer's legal and/or HR department. I faxed mine to my employer's HR and legal department (after asking the legal department) and it was stopped instantly.

I know from experience that paperwork can get lost in a company and they may have not even open the letter from the court. I would take it upon myself to get a copy of the order and personally serve it on the appropriate department within my company.

I called them on Friday and inquired about it. My payroll dept is in Illinois and my work location is in Ohio. They said they received it beginning of the week but our payroll was already done so this week it will be removed from my check!

[justbroke]

It’s aggravating when the payroll deduction order was issued 3 weeks ago and they are still taking the payments out. 😡😡😡

If you can snag a copy of the court order (from PACER) then march it right to your employer's legal and/or HR department. I faxed mine to my employer's HR and legal department (after asking the legal department) and it was stopped instantly.

I know from experience that paperwork can get lost in a company and they may have not even open the letter from the court. I would take it upon myself to get a copy of the order and personally serve it on the appropriate department within my company.

[Carmella]

It’s aggravating when the payroll deduction order was issued 3 weeks ago and they are still taking the payments out. 😡😡😡

Oh NO!!!! Honestly, I was surprised my former employer was quite at stopping mine since they often messed up stuff. Do you know when they received a copy of the order? They may have received at a point in the pay period it won't stop till the next pay period. Hopefully the next paycheck will be all in your account.

[Clay3007]

It’s aggravating when the payroll deduction order was issued 3 weeks ago and they are still taking the payments out. 😡😡😡

[Carmella]

Hurray!!!

[Clay3007]

I just checked pacer today and an order from the court was posted and send the me our attorney and my work.

[Carmella]

REPORT OF COMPLETED PLAN PAYMENTS AND APPLICATION TO CEASE PAYROLL DEDUCTIONS

this document was filed today by the trustee, does this means it’s officially over or do I need to wait for an actual discharge paper?

I think it will lead to stopping your payroll deductions once it's sent to your payroll department/human resources. I don't know who will send it to your employer. I think I mentioned before my attorney forwarded the document to me so I could get it to my human resources ASAP otherwise I think the trustee would have sent it to them, taking longer. I don't think payroll won't stop the deduction until they are notified in writing or email.

You can bug the attorney again if he has a copy of the order maybe he can email to you.

[Clay3007]

REPORT OF COMPLETED PLAN PAYMENTS AND APPLICATION TO CEASE PAYROLL DEDUCTIONS

this document was filed today by the trustee, does this means it’s officially over or do I need to wait for an actual discharge paper?