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Awaiting chapter 13 discharge

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    Awaiting chapter 13 discharge


    Impatiently awaiting our discharge! We made our final payment in late August 2025. Received our refund check the beginning of Sept 2025. Our notice to cure mortgage was sent out on Sept 23rd 2025 and the response from our 2 mortgages have responded with payment cured today 10.13.2025. For those that have been discharged, after the notice from mortgage that payment was cured how long before petition for discharge to be submitted. I live in Oklahoma and in our congratulations letter with our refund check they said it can take up to 160 days. Really hoping it doesn’t. Our payment was over $3600 a month, so happy to have that money but ready to completely put this behind us. We filed in March of 2019 and got a Covid hardship so ended up in a 73 month plan, we’re so close to having our life back! On the plus side of a 73 month plan, the bankruptcy should drop off our credit report in March of 2026​

    #2
    Congratulations on your final payment!!! I believe I got my discharge within 4-6 weeks after I did a final payoff that they calculated. My attorney told me that my trustee is usually slow so he claimed to use some kind of play in his dealings that help me get it sooner.

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      #3
      So my US court status updated with these two:

      Awaiting Discharge 11/17/2025 9 days 101 Chapter 13 Trustees Final Report and Account
      (batch)

      Awaiting Discharge 11/26/2025 0 days Meeting of Creditors Held (multi)​

      My question is what’s the meeting with creditors held? I know they did that at the beginning but do they do it again before discharge? There’s no document I can view on the meeting of creditors one so I don’t know what that entailed.

      Comment


        #4
        Originally posted by Jamkjp2006 View Post
        So my US court status updated with these two:

        Awaiting Discharge 11/17/2025 9 days 101 Chapter 13 Trustees Final Report and Account
        (batch)

        Awaiting Discharge 11/26/2025 0 days Meeting of Creditors Held (multi)​

        My question is what’s the meeting with creditors held? I know they did that at the beginning but do they do it again before discharge? There’s no document I can view on the meeting of creditors one so I don’t know what that entailed.
        The 341 Meeting of Creditors was the original 341 probably back 3-5 years ago. I can't tell you why they added two different discharge entries based on two different events. Suffice it to say that the clerk's office uses those as tickle dates for tracking.

        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

        Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

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