grimmel95 , thank you for the detailed response, much appreciated. We will be checking the NDC and PACER sites once we make... The Final Payment. Hm... sounds like one of those 3-word action thriller films: In A World.... where they make the final payment.... time... is running out. Now, only one man.......

grimmel95 , congratulations to both of you!
Just curious, and I know processing for every case is different - but, when did you make your last payment (approximately if appropriate)? I am curious about the timing for the process between last payment and discharge posting on the NDC...

got it, thanks

Thank you shipo . No, we are happy to hear, what we need to hear. It's important. The detailed explanation is much appreciated. This is the kind of information you don't get before the discharge, unless you ask. So thank you!

So, once we get the copy of the "Order of Discharge"...

It's not a hobby. I would suggest you be more helpful and supportive of others on here.
Have a nice life.

Again, based on our specific bk process, we feel it's best to avoid complications until we are free and clear of the bankruptcy. I believe that is after the discharge.
This is how I see this:
Assume I get credit, and make monthly payments.
Trustee could say: "oh, you have money...

Incorrect. Each debtor's bk process is different. For some, it's straightforward and they don't have to ask questions, anticipate actions, and plan responses. For others (such as, us), it's not straightforward, and they (we) need to think ahead, and consider how to respond to actions the trustee may...

Ok; as we get close to being done with this, we have some questions:

I believe this has been answered before but: we can *legally* acquire credit (i.e. credit card, credit union loan, and yes, possibly a 401K loan) the day after the discharge. Is this correct? I believe shipo recommended...

We'll have to watch The Hitchhiker's Guide to the Galaxy. I read the book a long time ago.
So justbroke, that is the answer to a very important question: what is the average timeline for a discharge... answer is: 30-90 days. Good to know, thanks....

Excellent question, Barbisi!
And thank you for the prompt response, shipo!...

Ah ok, thank you for the explanation, justbroke . Much appreciated....

Interesting... we've never felt like the trustee is there to help us. Rather, I do feel we have always been under intense scrutiny from them. A few times when finances have changed, we have also collected detailed information to back up our arguments of increased expenses as well. In other words, we...

@crazytimes: exactly. The significant level of oversight is very uncomfortable. We're walking on the 'rice paper' (reference to the classic tv show, Kung Fu).
Be safe with that new ride!

Hi crazytimes ; Barbisi's other half here... the trustee did not know about the mattress, but rather, we were instructed by our attorney to 'toe the line' (my words). So, when we had any significant change in status (lost job, or new job, considerable increases in salary), we notified the attorney....

Carmella , thank you, yes, all good questions and valid points. A job search usually takes a considerable amount of time. We will know more as we progress.

@dieselman:

No, this is not rocket science; that is blindingly obvious but thanks for the observation anyway.
...

So re: #1: how would I handle that conversation? If they ask, when can you be onsite? All I have at this point is: "well, I am rolling off a chap 13 bk and dont have a discharge date yet. So I don't know when I can be onsite. " I don't think thats a good response, so, what would be a good...

Thank you Carmella!
What I mean is, it is a question of timing, and coordination.
When I accept a job offer, we will have to relocate to the new state. But, we cannot relocate until at least the discharge.

There are a few possibilities:
1. I receive a job offer before...

LOL Very Funny!

So, payment #60 will be in January 2021.
After that we have the discharge and closing, though I do not know the average processing time for these.
I understand there are reasonable timeframes for the discharge and closing events, but what kinds of issues could cause delays?
...

Yup, I feel that. They are a hassle to deal with.
A nice looking landscape will help some with the home value; a poorly maintained landscape can definitely hurt the home value. It's the first thing potential home buyers see, and the initial impression begins to form. So, we don't need a 'showcase'...