Just Checked Pacer---DISCHARGED!!!!!!!

[Mayo]

I was told that the Trustee had to wait to do his final audit and make sure all checks were cashed. I had to file the spousal support form (which was missing) that I think delayed me 2 weeks. All in all I've read it takes between 90-120 days. The 90 days was about right for me. I got the official copy in the mail yesterday, It felt pretty good.

[Billssuck]

Our lawyer said our case was "thin" without any missed payments and the online class completed early. He thought it would happen relatively quickly...I hope so. I need to sell a vehicle for my job and get a better one to keep making money. As a side note, at our church we are taking the Dave Ramsey course called "Financial Peace University" and it is awesome! A wonderful way to wrap up a chapter 13 and I recommend it!

[Mayo]

Our lawyer said our case was "thin" without any missed payments and the online class completed early. He thought it would happen relatively quickly...I hope so. I need to sell a vehicle for my job and get a better one to keep making money. As a side note, at our church we are taking the Dave Ramsey course called "Financial Peace University" and it is awesome! A wonderful way to wrap up a chapter 13 and I recommend it!

I listen to Dave frequently on the radio. After a 13 you have both cars paid off, no credit cards, Emergency fund, and only owe a mortgage. I believe you would be on his step 3 which is putting 3-6 months income in the bank. It's amazing how we have to get advice on how not to spend money.