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It's OVER!!!!!!

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    It's OVER!!!!!!

    Hello Everyone!

    We paid off our Chapter 13 and FINALLY closed on our home yesterday after having it on the market for almost one year. We made the decision to abandon it last fall and after much legal wrangling and hassle with the mortgage company it is SOLD!!

    Of course, the BK hasn't been discharged and I know that the creditors have to cash the checks and the final report has to be done, etc., etc., etc., but from what I am told worst case scenario is that we will be discharged early fall.

    What a HUGE relief! I can now move on with my life, stash away every penny I can and save for my future. I'm not exactly a "spring chicken", but I'm not decrepit either. Plenty of livin' left "if the Good Lord's willin' and the creek don't rise"

    Although I rarely post now, you "Old Timer's" know what a sanctuary this forum has been for me on days where I didn't know if I could keep going on with life. Thank you to all of you for your support and encouragement. For those of you who are newbies, I wish you peace and encourage you to take it "One day at a time."

    Grace, peace, and ALL good,

    jane
    Filed: 2/24/2006
    341 mtg: 4/4/2006:angel:
    Discharged: 9/25/08!!!!!:yahoo::yahoo::yahoo::yahoo::yahoo:

    #2
    Congrats!! I am so happy for you.

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      #3
      Congratulations!!! That is great news!!!
      "To go bravely forward is to invite a miracle."

      "Worry is the darkroom where negatives are formed."

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        #4
        Congratulations!

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          #5
          Congratulations!!! You made it! I too have been around this forum for a few years, and the support that is given here makes the process bearable. Now that you are done, please dont leave the forum! Your wisdom and experiences are appreciated and you can offer so much insight to others.

          Go out and celebrate! This would qualify for one of those times that you can splurge...just a little...on a special dinner or a bottle of wine that costs more than $3.99. Congrats again!!

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            #6
            I bet it feels great !!! Enjoy !
            CH 13 OLD LAW
            10/14/05
            Closed completed
            Final accounting 04/2009

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              #7
              Awesome job. Congratulations.

              Chapter 13 filed -8/12/04
              Plan approved- 7/11/05
              Date discharged--10-12-2007
              Date closed- 12/6/2007:yes2::yes2:

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                #8
                Jane, I couldn't be happier for you and your family! You've really been through the wringer during your 13 - to finally have it done must seem like heaven on earth! Enjoy the freedom of no more trustee payments hanging over your head EVER AGAIN - you've earned it ten times over!

                In a few months when it's officially over, please come back so we can celebrate your discharge together too!! A huge CONGRATS!!
                I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

                06/01/06 - Filed Ch 13
                06/28/06 - 341 Meeting
                07/18/06 - Confirmation Hearing - not confirmed, 3 objections
                10/05/06 - Hearing to resolve 2 trustee objections
                01/24/07 - Judge dismisses mortgage company objection
                09/27/07 - Confirmed at last!
                06/10/11 - Trustee confirms all payments made
                08/10/11 - DISCHARGED !

                10/02/11 - CASE CLOSED
                Countdown: 60 months paid, 0 months to go

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                  #9
                  Throwing a little kahlua in with my latte

                  And raising it in a salute your way. Congrats!
                  August '05 Business failed.
                  Spring '06 Found this site, thank heavens
                  Chap 7 (no asset) filed 11/10/06; 341:1/31/07
                  disharged 2/26; closed 4/17/07

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                    #10
                    Congrats---really, really happy for you!!!!!!!!!!!!!!!!!!!!!!

                    ep
                    California Bankruptcy Central

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