Discharged Feb 6th, then saw Terminated Mar 14th....

[Panacea]

That scared me! I did open the document, which was the final decree, saying...

The estate of the above−named debtor(s) has been fully administered.

IT IS ORDERED THAT:

(Trustee's name) is discharged as trustee of the estate of the above−named debtor; and the chapter 7 case of the above named debtor is closed.

So, by terminated, they mean closed...done....finished? Now my mortgage peeps can come after my home, correct?

[tobee43]

yes.......it's the BEST news one can receive ...in my opinion better than the discharge.....i want that trustee to say.........i'm DONE with you!!!

NOW it's REALLY time for you to party hardy........congrats!!!!!!!!

[OhioFiler]

That scared me! I did open the document, which was the final decree, saying...

The estate of the above−named debtor(s) has been fully administered.

IT IS ORDERED THAT:

(Trustee's name) is discharged as trustee of the estate of the above−named debtor; and the chapter 7 case of the above named debtor is closed.

So, by terminated, they mean closed...done....finished? Now my mortgage peeps can come after my home, correct?

While some people may be suggesting you party, you are correct in assuming the mortgage holder can begin foreclosure proceedings. I would start looking into the likelihood they move quickly. Frankly, I think the won't rush.

[tobee43]

you order of the trustee releasing and discharging your bk.......means the trustee wants nothing from you......trust me...it's the BEST notification you can receive. it's an actual court order...and you should see the judge sign it as well.

you receive two notices........one ...no distribution of assets, and one discharging the case.......one coming from the trustee...(the most important to me...) and one from the judge, both are signed by the judge in most states....however, many times the trustees may want to turn you case into an "asset" case.....or have more questions......it could conceivable keep you bk open for years.

the discharge from the trustee indicates the trustee's office is done with your case and i would RUSH to the nearest party hardy place..

[tobee43]

oh!! and ps...........it's been a bit over 3 years now and they still haven't foreclosed on our property.......wish they would already, but no go....the property just is sitting....all alone, empty, just over 3 years now.

so the lender could, or may not. unfortunately, you just have to see. our lender attempted ...even though we surrendered and vacated the property to re boot a loan mod!! so, one never knows who, how or when they will move forward. i know in some states it quicker than others that difference could be a number of factors .........and the process is different depending if your state is judicial or non-judicial foreclosure state. ...some are both!