I just checked Pacer and we are discharged as of 9/21/06! Our last day for objections was 9/19/06. I can't wait to get home and tell the hubby.
It'll be a while till we're closed because our no asset went to an asset case when the trustee's appraiser valued our home higher than we did and we had to pay a settlement. Our POC deadline is 12/13. But the settlement was tiny compared to our debt. I have to say that our trustee and judge have been just great! Very helpful and easy to deal with. And bless our attorney who originally was going to do a 13 for us and then decided to go for a 7 and made it work.
I'll admit that I was scared to death at our 341 and left the room crying when the trustee said he wasn't abandoning our home or truck and that he needed an appraisal on our home. The time between that and when we got the appraiser's report was probably the worst. It really sent me over the edge and that's when I had to get some medication to help me through. But the appraiser was very fair and the trustee was great about doing the settlement.
Then we had to go to court for our reaffirmation agreement on another vehicle because it was listed as causing an undue hardship. I was afraid if we didn't get that approved that they would try to take the payment amount and push us into a 13. But we made it through that, too, and the judge approved our reaffirm.
As a side note, also at our 341 was a rep from Chase who really grilled a woman that went before us. We had Chase cards too, and I was glad to see him go out the door when he was finished with her and didn't want to talk to us. I would've really been a basket case - he was mean.
And so much thanks to the folks here. I'm mainly a lurker (didn't want to jinx myself by talking about our case), but I have spent hours and hours reading posts. And whenever I have posted a question, everyone was very helpful.
I feel kind of like I just gave a speech at the Academy Awards or something - sorry 'bout that. Just excited!
WOOHOO!
It'll be a while till we're closed because our no asset went to an asset case when the trustee's appraiser valued our home higher than we did and we had to pay a settlement. Our POC deadline is 12/13. But the settlement was tiny compared to our debt. I have to say that our trustee and judge have been just great! Very helpful and easy to deal with. And bless our attorney who originally was going to do a 13 for us and then decided to go for a 7 and made it work.
I'll admit that I was scared to death at our 341 and left the room crying when the trustee said he wasn't abandoning our home or truck and that he needed an appraisal on our home. The time between that and when we got the appraiser's report was probably the worst. It really sent me over the edge and that's when I had to get some medication to help me through. But the appraiser was very fair and the trustee was great about doing the settlement.
Then we had to go to court for our reaffirmation agreement on another vehicle because it was listed as causing an undue hardship. I was afraid if we didn't get that approved that they would try to take the payment amount and push us into a 13. But we made it through that, too, and the judge approved our reaffirm.
As a side note, also at our 341 was a rep from Chase who really grilled a woman that went before us. We had Chase cards too, and I was glad to see him go out the door when he was finished with her and didn't want to talk to us. I would've really been a basket case - he was mean.
And so much thanks to the folks here. I'm mainly a lurker (didn't want to jinx myself by talking about our case), but I have spent hours and hours reading posts. And whenever I have posted a question, everyone was very helpful.
I feel kind of like I just gave a speech at the Academy Awards or something - sorry 'bout that. Just excited!
WOOHOO!
, but I had major anxiety.
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