This is for the people in ohio

[mumra]

So I have been trying to Google if our cases start on the day we filed or the comfirmation date. My trustee went by the comfirmation date. I found a site where they show past and present bankruptcy cases in every district. Some cases in southern ohio the last payments were either at month 60 or 61. Some cases I seen went 3 to 5 months past the 61st payment. One thing I notice is that the discharge seems to happen one month after the last payment and the cases were closed 3 months after the last payment

[justbroke]

I believe that Ohio is one of the only States that goes by the confirmation date for a Chapter 13. It may only be a specific division--Northern vs. Southern. I only know that it is different from every single other districts in the country. I'm surprised that someone hasn't run this all the way up to the Sixth Circuit.

[mumra]

I believe that Ohio is one of the only States that goes by the confirmation date for a Chapter 13. It may only be a specific division--Northern vs. Southern. I only know that it is different from every single other districts in the country. I'm surprised that someone hasn't run this all the way up to the Sixth Circuit.

I was only looking at cases that were filed around the same time that I filed. A lot of the cases ended with the last payment at 60 months. It's just showing that they filed chapter 13. They don't how if the cases are pay in full or paying back a percentage. Well the good thing is the discharge don't seem to take long to receive

[Clay3007]

I filed in April 19, we paid until September of 24. Hopefully will have the discharge by the first week of December. No major bumps or adjustment along the road. we were confirmed in sept of 19 but started paying June 1st of 19.
also forgot, im in the northern district of Ohio.

[mumra]

Well i got discharged on 3/10/25. This last 6 months seem like it lasted the whole 5 years. Went from thinking my last payment was in November to not knowing at all. I'm here to tell the people from southern ohio that they still have a hill to climb after that 60 months. I don't want people getting happy about their case getting close to ending only to find out they have a lot more payments coming out of their checks. I made payments all the way up to the discharge. The trustee would send me checks in the middle of the month for the payments that I made. This was a ride that I never plan on taking again. I hope this post helps others because I was searching and searching

[Carmella]

That sounds so complicated and different than my experience in Northern Ohio, but we ended early so I don't know how long it would have dragged out. Was your plan 100% pay back? I wonder if that makes a difference, but you think if it's a 60 month plan there should be payments through only 60 months. Ours ended early since we were 100% pay back and some creditors did not file.

[mumra]

I wasn't on the 100% plan. I filed in November but the case didn't get confirmed until February in southern ohio the case starts when your case is confirmed not when you file

[justbroke]

I wasn't on the 100% plan. I filed in November but the case didn't get confirmed until February in southern ohio the case starts when your case is confirmed not when you file

The worst district, when it comes to length of plan.