Last Check

[BEB]

I have my last pmt. of my 13 lying next to me waiting to be mailed. I won't be completely relieved until discharged. It's been a long 55 months and it is about over. Never missed a pmt. This forum has brought peace of mind seeing answers to questions that I also thought about. There is a bright light at end of tunnel now that 4.5 years ago that seemed very dark. BK 13 saved me, and I payed every debt off completely as well as paying off mortgage. Thanks for all the information and I will be dwelling here getting information to complete discharge.

[AngelinaCat]

Congratulations on being almost done. Congratulations on having finished paying off your mortgage. As soon as you get the official notice of Disharge, we will throw you a Discharge Party!

[kmjatl]

I have my last pmt. of my 13 lying next to me waiting to be mailed. I won't be completely relieved until discharged. It's been a long 55 months and it is about over. Never missed a pmt. This forum has brought peace of mind seeing answers to questions that I also thought about. There is a bright light at end of tunnel now that 4.5 years ago that seemed very dark. BK 13 saved me, and I payed every debt off completely as well as paying off mortgage. Thanks for all the information and I will be dwelling here getting information to complete discharge.

Mailed? Hell, I'd be hand delivering that puppy....

Congratulations!

[dmc-2008]

Congrats! That is huge! Happy dance!

[LadyInTheRed]

Congratulations!

Make sure a certificate of completion of Financial Management course and a Chapter 13 Debtor's Certification Regarding Domestic Obligations have been filed. They are required for discharge. Here are links to the federal forms, but some courts have their own local forms: http://www.uscourts.gov/uscourts/Rul.../B_23_1210.pdf

http://www.uscourts.gov/uscourts/RulesAndPolicies/rules/BK_Forms_Current/B_283.pdf

[frogger]

Congratulations!

Make sure a certificate of completion of Financial Management course and a Chapter 13 Debtor's Certification Regarding Domestic Obligations have been filed. They are required for discharge.

Yes indeed. I just saw one yesterday that went 60 months and closed without discharge because these exact documents were not filed..........

[pamkev]

So Happy for you enjoy the weekend

[angel7821]

Congrats on almost being done. It is a huge relief not to have to send anymore payments to the trustee. Enjoy your soon new found freedom. I think it is just awesome you paid off your mortgage.

[sophieanne]

I love reading good news..congratulations and way to go!!!! Enjoy your new freedom!

[Pandora]

Congrats to you!

[BEB]

Thanks everyone. All courses were completed at beginning and copies sent to atty. and I also have copies of successful completion. Looked at my bank statement this am and see the last check has been cashed. Will call atty. next week if I don't get letter from trustee to stop paying. I added up unpaid liabilities on 13 data site and they come in less than last check. I assume the little bit left goes to trustee. Compared to some jurisdictions mine was relatively painless and for this I am thankful. Looking forward to a debt free life. I don't ever want to get myself into the position I was in and besides I am too old now to dig myself out of that kind of mess. Life is good now and about to get better.

[spidge]

Well, if you need an account number and address for that payment I can supply it for you.

Just kidding, but really if you need the info....

Congrats.