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    Are we really done?

    Don't worry, I'll be calling the Lawyer on Monday.

    Two weeks ago we got a refund check from the lawyer for 135.00. We were making 200.00 payments.

    We started BK chapter 13 in June 2007. We were both under the impression that we were in BK for 36 months at that meeting....however, initally we were told we were on the hybird plan and would be in it for approx 2 years.

    Well...today we got two letters....One from the lawyers office telling us that we would get a form to fill out and that we must complete that form or we would not be discharged and would have to pay to reopen the case to discharge if they didn't get the form within 30 days.

    Then we got an offical letter from the Trustee...basically saying that we had paid x amount and to fill out a form (which we haven't gotten yet) to be discharged.

    We were both shocked to say the least. Along with this letter were all the creditors listed, the amount we were discharged from and the amount we had paid.

    Could we really be done?

    WOW.

    #2
    Well, it sounds promising, but don't jump to conclusions until you get the paperwork thru the mail, and talk to you lawyer Monday. If all is well, I will be very pleased to post the Victory Hamspter Dance.

    Good luck.
    "To go bravely forward is to invite a miracle."

    "Worry is the darkroom where negatives are formed."

    Comment


      #3
      What is a hybrid plan??? I've never heard of that?

      Thanks.

      Comment


        #4
        Well, it's official....we are done.

        Comment


          #5

          HOT DAMN!


          Good For you!
          ep
          California Bankruptcy Central

          Comment


            #6
            WHOOOOOOHOOOOOOOOO!!! 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!!!!

            Comment


              #7
              Congratulations!!!!

              Comment


                #8
                Great news I am so happy for you. It feels great doesn't it?
                CH 13 OLD LAW
                10/14/05
                Closed completed
                Final accounting 04/2009

                Comment


                  #9
                  Originally posted by boomerang View Post
                  Well, it's official....we are done.
                  Congratulations!! #6 in the November Club (I think you should have been #5, but I'm reading backwards and gave #5 to Downwardspiral). I can't even imagine what it must have felt like to get a refund check. All the best to you!
                  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, 2008

                  Comment


                    #10
                    Congratulations 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:

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                      #11
                      Thank you to all...I still can't believe we are done in less than 2 years. I have learned my lesson. My husband "jokingly" said something about new credit cards...I looked at him and said....never again, I have learned my lesson and will happily live within my means.

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