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switch625
Registered User
Last Activity: Today, 05:24 PM
Joined: 08-19-2013
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  • Congrats!

    If the Plan Completion Notice went out (does this also ask your mortgage lender to confirm that your payments are current?), I would think you are done paying. Well the cancel wage garnishment was also filed for you (I don't have garnishment, I pay through TFS). My attorney...
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  • switch625
    replied to BK 13 completed
    There is no automated tally that I'm aware of, but I would check NDC each month to ensure that the trustee received a payment. In the ledger tab I only counted payment earlier this month just to be sure I was at 60. I also kept a spreadsheet tally of payments, but that was for my own sense of accomplishment....
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  • I've had various change to my HSA/FSA account, health premium increases, but no effect on the 13 whatsoever, except minimal take home pay changes.
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  • switch625
    replied to "Pass" means test but have to Ch13?
    I was over the median and had to do a 13 for a number of reasons so i don't have experience with under the median results of the means test. Did one of your consultation attorneys tell you that because of DMI as demonstrated on the means test that you may be forced into a 13 by the BK court? Don;t forget...
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  • switch625
    replied to BK 13 completed
    Congratulations! I wait alongside you. The Trustee's final mortgage cure/plan payments completed letter landed in my mailbox today, but I got it off of PACER last week.
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  • switch625
    replied to Got my refund....now what?
    I just started the discharge process. In my case, proof of the second course was submitted long ago. When I told my attorney that I submitted the 60th and final payment, the attorney immediately filed the DSO. The day the Trustee got the final payment earlier this week, the Trustee filed the notice...
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  • switch625
    replied to Pacer/NDC/13 Network
    I don't have access to the 13 network but PACER and NDC serve different purposes. I rely on PACER for court activity because it will show (and you can retrieve) every court filing in your BK case, but I rely on NDC for tracking all the money/plan payment activity in my plan. The only big difference...
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  • Thanks Sophie! I hope I got the payment in before this month's disbursement by the Trustee which should mean that the Trustee pays the unsecureds everything I paid this month and I will not have to wait until next month's for the final disbursement to be made which should make the discharge process...
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  • Chase did not file POCs on any of the cards we had with them and that creditor was a huge chunk of our unsecured debt. BOA also did not file POCs on some credit accounts but not all. Even though the unfiled POCs where almost half of the low 100K unsecured debt we had, we still had to go with a DMI...
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  • Would you qualify for Chapter 7 instead of 13? You should put your income and expenses into an online BK Means Test calculator to see if you qualify. Always try to liquidate your debt in a 7 instead of paying it over 3 to 5 years in a Chapter 13 Plan. Two-Thirds of Chapter 13 plans fail. In a 7...
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