Robin2017 - Hi! That should not effect your plan at all. In a 13 you will find lots of ways to save money (new phone plan, cable plan, smarter grocery spending, etc. etc. etc.) and that's a good thing. You have a little more money for savings or other things. And no, it doesn't have to be reported...

I suspect one of the things your lawyer will talk to you about is completiing the Affidavit of Support - which you fill out and return (a quick process) to show that you have no outstanding
support orders that have not been paid. Good luck with your lawyer on Monday, sounds like he works with...

dapcook - congratulations, looks like you're done!!!!!! Just in time for you to celebrate the holidays...way to go!!! Everything is now done behind the scenes and you just wait for your discharge.
wd2005 - congratulations to you also!!! Almost time for your celebration...it is exciting how...

Congratulations...what a wonderful holiday gift for you!!!!!

Have you completed your 2nd finance class? If so, you just wait as the trustee takes the steps to discharge you and close the case. You should receive a form to sign that you have
no outstanding child support obligations which you return quickly when you receive it. Some trustees discharge...

Thank you for sharing your experience with everyone. It never fails that all of us who were scared/nervous/anxious before the 341 find it wasn't that bad at all.
Good luck going forward!

Hi Lukesky..i hope you're doing well too..you must be getting close to being done.
What you wrote is absolutely correct. I was just telling the poster Chase walked away from the money I owed and commented that she'ld have to wait to see what happened in her case (Will Chase file or not). You're...

Have you tried calling your attorney?

@switch625...don't hold your breath ...the discharge should happen fairly quickly but the final closing of the case (behind the scenes) takes a little longer as the trustee has to ensure all the creditor checks have been cashed, etc. etc. But your main concern is the discharge..once you have it you...

switch625 - Just a note to say congratulations on making your 60th payment. Done by the holidays - what a great present for you!

I'm glad to hear you got the 2nd call. Sometimes a call or two will slip in until the creditors are notified. Just politely tell them you've filed and give them the info. If they say anything else, just tell them to call the lawyer you named and politely end the call.

Did you ask your lawyer why she wants it done this way? I would tell her you want to get a forbearance on the loan and pay it back when the plan is complete. Just remember..
by doing this, you are accumulating 5 years of interest. Wouldn't you rather take care of it now and be done in 5 ye...

Yay..that's the first step. Once you file, your lawyer should give you the filing number and tell you to have callers contact him/her. Not long after, all the calls will stop. It will be a wonderful feeling

It'll be interesting to see all the pieces of your case come together..i believe you said the attorney is going to try for a 7 first?? That's unusual for them to take your tax return while in a 100% plan, since a tax return isn't always guaranteed. In your case, i guess it's one step at a time. Good...

I know, in our case, both Capital One and Discover filed claims. I believe they both don't walk away from getting their money back. Maybe someone else has a different experience? It'll be interesting to see if Chase files a claim or not...good luck! Have you filed yet?

Questions - will your trustee be paying your mortgage? Will you be in a 100% plan? If your plan is confirmed at the amount you stated above, it will remain that amount even if everyone doesn't file. If you're in a 100% plan, your plan will be finished sooner if everyone doesn't file. If you are in less...

Hi..in our case. Chase did not file. We had 3 cards that totalled approx 21,000. That was a nice drop in what we owed. No guarantees, but it does happen.

Thanks...I appreciate you sharing that. The good news is once you file, the automatic stay goes in effect (creditors can no longer call you). Once you pay your lawyer you will be able to tell callers (at first, till the calls stop) that you have filed and to call your attorney directly. Once you...

Hi and welcome! First of all, don't beat yourself up...life happens. Most of us have been in the same situation so forgive yourself and move on. You're taking the important step of bettering your situation. You have already met with your lawyer per your note. Did he say anything about any potential...

I think you're worrying about something that's not an issue. The item was paid in cash (by and for someone else) and there is nothing that would show it came from your bank account,
credit card, etc. Just relax and follow your attorney's plan for filing (save some money, etc.). Not that it's...