YEAH! Our 36 months are up. Our NDC shows completed. We had paid in too much through payroll deduction and I just received the check today from the trustee for that. I do not have the discharge papers yet, but I am assuming if I received my refund of overpayment...all is well. There is still one if not two more weekly payrolls that they havent received yet that they will have to reimburse me on as well. My question is this: Our second mortgage was included in our BK so who is to inform that company to release the lein? Do I call them to do that or do they automatically know to do that? It has already been filed at the court way back when we first filed our BK. Any thoughts would be great! I AM SOOOOOOO EXCITED!!!!!! For everyone out there going through this, there is light at the end of the tunnel.
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Congrats! My last payment is on the 20th of this month, I am excited.Filed 6/2005
Last Payment 10/2008
Discharge..... 11/2008 -
Congratulations.
My last payment just went to the trustee on the 1st. I have canceled my automatic payment from my checking account (I'm retired, so that's how they had let me pay). I'm not about to make another payment. It says what I had to pay, which equals the amount they show I have paid. So that's that. My first and second mortgage payments were made outside bankruptcy, so I guess all I have to wait for is a discharge from the court?
In answer to your question, I believe the court notifies all parties that the bankruptcy has been completed successfully.
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I am so happy for all of you.
I mailed my last payment on the first of the month also.
I was told it should take another 2 months to have a discharge.CH 13 OLD LAW
10/14/05
Closed completed
Final accounting 04/2009Comment
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CONGRATULATIONS!!! I've read that the notifications regarding the end of a 13 is different from a 'discharge' as in a 7. But the light at the end of the tunnel has arrived!!
You made it!!
Here you go:
"To go bravely forward is to invite a miracle."
"Worry is the darkroom where negatives are formed."Comment
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make sure you receive your letter from the trustee's office to stop making the payments. Don't just go by the 13 data center. Or call the trustee to make sure you are done. Unless you get the letter stating that payments can be stopped, I would keep paying. But congratulations. I am right behind you.Comment
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Oh, my gosh...FOUR of you! What a huge accomplishment! Congratulations and all the best to you all.Filed chapter 7: June 9, 2008
341 meeting: July 18, 2008
last day for objections: September 16, 2008
DISCHARGED September 18, 2008 - CLOSED September 29, 2008Comment
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Congratulations on successfully completing your Ch 13!! You give each of us current 13ers hope we can make it to the end too! Way to go!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 goComment
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WoodSprite is right; 4 of ya, man that's just freakin awesome. I'm 4 in, 56 to go, so right now yall are my heros. Big time Congratulations!
The future is unwritten. J.S.Comment
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Well, I didn't have a second mortgage, but I did have a van that we were upside down on in mine. After the secured was paid, we started on the upside down part. When we closed, they sent the title within a month. I never called them or my lawyer about it.Originally posted by Bernie View Post
Leins though, I don't know about. If you used a lawyer, perhaps try calling them and see what you need to do.
Congrats on making it through. If you can do this, you can do anything.Chapter 13 filed -8/12/04
Plan approved- 7/11/05
Date discharged--10-12-2007
Date closed- 12/6/2007:yes2::yes2:Comment
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Congrats on making it. Like a big weight off your chest, isn't it???Originally posted by 2ndChanceTx View PostChapter 13 filed -8/12/04
Plan approved- 7/11/05
Date discharged--10-12-2007
Date closed- 12/6/2007:yes2::yes2:Comment
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Emma, I would not quit making payments without the trustee telling me it was ok. They could still screw you up at this late stage of the game. If you have a pacer account, you can log on and see if the order is there, just hasn't made it to you yet.Originally posted by EmmaT View Post
And congrats on making it through.Chapter 13 filed -8/12/04
Plan approved- 7/11/05
Date discharged--10-12-2007
Date closed- 12/6/2007:yes2::yes2:Comment
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Congratulations on making it through.Originally posted by DebtSlave View PostChapter 13 filed -8/12/04
Plan approved- 7/11/05
Date discharged--10-12-2007
Date closed- 12/6/2007:yes2::yes2:Comment
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Me too!!
I also had my final payment drafted on the 20th of October! I'm so excited to have made it through this...
I fully expect them to draft another payment next month, as my lawyers haven't managed to do anything since I gave them their payment. I'm sure that if I contact them and ask them to have the trustee do their audit, they will ask for more $$ to do the paperwork!! (Does anyone know if they can do that??)
Either way - I'm just glad that I made it...
Just4Me
(Now saving for a new house!)
PS - Hint for others - AUTO drafting the payments is the way to go... you never have to worry about missing a payment - or forgetting to mail it. I just dropped 1/4 of the amount into an account every friday - and then it was there. What I didn't have in my account - I couldn't spend! That was never "my" money - it was alway the trustee's money!Comment
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Wow!!! Five of you finishing your ch 13 plan....Yeah, and CONGRATS!!!!May 2008 Hired 1st Attorney/Stopped paying CCs
May 21, 2009 Retained 2nd Attorney
May 28th - Filed for Ch 7 (FINALLY!)
9/11/09 - DISCHARGED!!!!
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