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Well, my Ch7 has been...

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    #16
    Congratulations on the discharge!! whoohooo!!

    (Don't want to rain on your parade, but have you checked with your ed loan provider to see that the loans were actually discharged?)

    Tom in Colo
    Ch7 filed 5/12/2010.....341 meeting 6/30/2010....report of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010

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      #17
      Originally posted by justbroke View Post
      Congratulations! How did you discharge the education debt? Did you file a complaint and win the adversary proceeding (AP)?
      I would like to know the answer to this also?

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        #18
        Originally posted by msm859 View Post
        I would like to know the answer to this also?
        Well, this was a sticky area. I took the loan out for educational reasons but technically it was not a education loan as per the legal definition. The lender did not contest - I'm guessing b/c they probably considered it just another loan - not a school loan. They listed it as IIB/$0 balance on my credit report already.
        Stopped paying CCs 1/10 | Stopped paying mortgages 2/10 | Interviewed attorneys 3/10-5/10 | Retained attorney 5/14/10 | Delivered paperwork to attorney 6/17/10 | Filed Ch7 7/9/10 | 341 8/16/10 | Objection Deadline 10/15/10 | DISCHARGED 10/20/10

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          #19
          Originally posted by AlmostAmos View Post
          Well, this was a sticky area. I took the loan out for educational reasons but technically it was not a education loan as per the legal definition. The lender did not contest - I'm guessing b/c they probably considered it just another loan - not a school loan. They listed it as IIB/$0 balance on my credit report already.
          so basically it was a personal loan - that you used for educational purposes?

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            #20
            Originally posted by Pandora View Post
            so basically it was a personal loan - that you used for educational purposes?
            Well, I guess so. The weird thing was - I had to be a student in able to be eligible to apply/receive the $. I guess it could come back later on but I'm not thinking it will - nor is my attorney.
            Stopped paying CCs 1/10 | Stopped paying mortgages 2/10 | Interviewed attorneys 3/10-5/10 | Retained attorney 5/14/10 | Delivered paperwork to attorney 6/17/10 | Filed Ch7 7/9/10 | 341 8/16/10 | Objection Deadline 10/15/10 | DISCHARGED 10/20/10

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              #21
              Hooray and congrats!!!
              DH laid off 3/08 | Last mortgage payment 12/09 | Filed Ch13 5/10 | Converted to Ch7 7/10 | 341 held 8/10 | AP filed by secured creditor 10/10 | Ch7 discharged & closed 11/10 | Foreclosure 10/2011

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                #22
                Congrats AA. Enjoy your fresh start.
                Filed chapter 7 Jul 13, 2010 341 hearing Aug 12, 2010 Trustee's report of no distribution Aug 20, 2010 Discharged Oct 13, 2010 Closed Oct 28, 2010.

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                  #23
                  Congrats AA!! Take a deep breath and enjoy the fresh air of being debt free!!

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                    #24
                    Congratulations AA! Welcome to life...post bankruptcy.

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