Traders - Hi...we paid our mortgage on our own, but it's still part of the whole bk. As mentioned previously, your bk will show as "IIB" or "Chapter 13 bankruptcy" and will not report payments due to the automatic stay. Once your plan is completed your payments can start reporting...

Hi..NDC is not the official site for accurate info...are you able to contact your attorney? (and if so, I'm hoping it's good news)

Congrats and good luck!

Hi justbroke - Yay! The very end is very close! I understand that feeling of wanting to know it's signed, sealed, delivered and FINISHED!
WA state is pretty close. It's about 3 months after discharge that the case actually closed. You truly are a bankruptcy wizard for both 7's and 13's....

As long as you are paying your payment plan and the IRS has agreed to it, there is nothing for you to worry about. I was in the same situation and nothing came of it provided I made my payment plan. They are not allowed to say you're in a payment plan, but they will happily accept your payments and...

Sorry to hear about both things...but I'm glad there may be another opportunity. Good luck with the application and I hope you start getting some more hours....

Carmella - Hi! Just curious how the hours on your part time job are working out for you?

Congratulations baloo. Good luck going forward; enjoy your new freedom!

Carmella - yes they would file it prior to discharge. As a matter of fact, our lawyer asked us to complete the first course before filing and the second shortly after filing. He felt that ensured there was no missing information at the end of the case...so both courses were signed, sealed and delivered...

Carmella - another thing you can do is check pacer which will show if your course certificates have been filed. When our attorney received the certificates, his office automatically put them into pacer.

Hi..i can't talk about audits during bk..however, the final audit is a behind the scenes procedure that the trustee does to ensure all checks that have been sent out to creditors have been cashed. It is not something that would effect you or your case - it's just cleaning up the loose ends. The final...

It sounds like it went well @Scottowl...i'm suspecting there won't be a payment change. Good luck going forward!

Carmella - that is horrible; what a way to mess up employee's lives. I hope you get the hours you want tomorrow.

Carmella - I understand. I was just suggesting asking a scenario and saying it's just for your info. I did that a couple times while I was in my plan. It made me feel comfortable when making decisions, etc. that might impact my plan. I hope things are better now.