Saving Ch13 and delinquent mortgage.

[sophieanne]

Yay!!!! The end has finally arrived. That's great news. Nothing like running a marathon on the last day.
Good luck on everything going forward.
I hope to be finished in July or August at the latest.

[justbroke]

Very nice to find that your lien strip is now a reality!

[spidge]

So we received our discharge 4/4/2016, but still had to come up with another $1K to have our judge issue a court order to strip the lien. We, ok I, decided to push the mortgage back a couple weeks and paid the fee. I was very lucky to get the call on a Thursday that the order was ready, but I had to do the footwork to complete. Friday, the next day I worked my tail off to get my work done(a delivery oriented job) and was able to pick up the order from the attorney's office at around 1:30. Good thing everything was in walking distance as I had to go to the court clerks office to get a certified copy and was a small block away. Then cross the street to the county offices and record the order with the records office. Friday must be the best day as there were no customers at the court clerks office and very few at he county records office. From the time I drove up to my attorney's office to getting back in my car in their lot was 45 minutes. I just received the copy back showing that it has been recorded. By the way the county clerks wants exact change so I had to walk to a bank then get change.

So, now I am comfortable saying that we have completed our chapter 13 BK with lien strip in its entirety.

In my mental timeline it took 7 years. Once we decided to file a year to plan and reduce income plus another 6 months because I received some monies that could have been claimed by the trustee. In the end we made our last payment in November 2015 and was complete in June 2016.

Even though there is some breathing room I am now working much less overtime and therefore not making as much money. We are getting by and because we are debt free I am good with that. At least now its a choice to work extra overtime to pay for something specific like a car for a kid or home renovation of some type rather than paying a debt that we have no hope in paying off.

I will fight tooth and nail to stay debt free, help my kids, and plan for a desirable retirement.

[sophieanne]

Hooray!!! Let the party being (very soon I hope!!!) Cogradulations!

[justbroke]

Very nice!

[spidge]

Great timing.

Yesterday we received the trustees final audit and accounting with a notation in very small writing to discharge him from his duties and all that go with completing the case. We also have the last payment for the attorney to complete the lien strip.

Should be done shortly.

[spidge]

Still waiting for discharge and have another $1K to come up with for the Adversarial Proceeding in order to complete the lien strip without the lender(note holder) having to do anything. All I can say is being a little behind on some bills may be OK in my book, in order to have this AP at the ready. The folks(dirtbags(SLS)) that hold the note for the second which will be stripped change the servicing address like a woman changes shoes. Yes its sexy(exciting when we men figure it out) and yes we men do notice(ok mostly), so the attorney has been advised. In order to come up with the $2K I have had to defer some bills but there are no late fees involved, so good to go.

My simplistic mind puts us even by the end of March and having a full paycheck free and clear every month thereafter. That was my goal all along., but no celebrating until the poo gets sliced up in the fan.

We are so close I am......, s@#t I don't have a word for it.

[spidge]

For the sake of the timeline.

Attorney just sent me their "notice of application for entry of discharge". Another item they did without me prompting it. I like my attorney more and more as we get closer.

Finding the $2k for the lien strip is proving tougher than first thought, but it will happen one way or the other.

Thanks AC for the celebratory dance.

[AngelinaCat]

Well, I'm going to go ahead and throw you a party anyway! CONGRATULATIONS!!!! We have a Chapter 13 Discharge Party. You have earned it, so here you go:

http://www.youtube.com/watch?v=f9aA_fba_To

(Sorry about the commercial. That's a new wrinkle...)

[spidge]

For timeline sake I wanted to share the we received in the mail a court notice filed by the trustee. It is titled "NOTICE OF INTENT TO FILE TRUSTEE'S FINAL REPORT AND ACCOUNT, OBTAIN DISCHARGE OF TRUSTEE, AND CLOSE CASE. (COMPLETED CASE.)"

On the same notice it states that the Final Report will be filed not less than 30 days from today's date.

Getting closer.

[sophieanne]

The fact you had $2000 for the lien strip or the truck (wherever it had to go)..is a blessing in itself. You're at the end and that's all that matters!!!!!

Enjoy the holiday!!!!!

[spidge]

Yesterday we received a small refund from the trustee and the case status is "Audit for completion pending FR dated 12/9/2015". I assume "FR" stands for Final Revue.

I am excited but disappointed at the same time. I had a game plan and was ready to pay the $2k for the lien strip, but instead I had to use all the funds to purchase my truck to replace my car. I do like my truck very much especially since there is no payment, but I would rather have the lien strip paid and complete. We have until the end of January and I think we should be able to handle it and still enjoy some gift giving for Christmas.

So we are in a bit of a holding pattern again, but we have done it before.

I am so looking forward to someone else not having dibs on my paycheck or checkbook.

[spidge]

On Wednesday the 25th the status on 13Network changed from "active" to "case being audited". This change was done even though the last payment does not show received with one payment to go.

[sophieanne]

YAAAAAAHHHHHOOOOOOOOO!!!!!!!! I have been waiting for this post. Congratulations and yes, you must be and deserve to be sooo
excited. It is an awesome feeling to watch someone reach this point when you've been in ine same place, casually writing for the last couple years.
I'm so happy, I'm going go celebrate for you. I'm getting close to the 1 year to go mark. Get that t.v. and enjoy!

[spidge]

AT LAST!!!!

FINAL CH13 PAYMENT IS IN THE MAIL!!!!!!

I'm so ready to go out and party like...., shoot I think I will stick to buying my first flat screen TV. What a great feeling of accomplishment. Better than paying off my first motorcycle and car. Statement of financial responsibility and/or change, post filing course, and $2K for the AP to complete the lien strip will be in Attorney's hands on Monday.

Insurance paid me an OK amount, but charged me the deductible until fault is determined. That is frustrating but understandable. Hopefully this or next weekend I will have some wheels under me again.

WHO WHOOOOO!!!! Did I say I am excited?