Our CH13 was closed on 12/15/2015. I asked the trustee how long until the discharge letter would go out. They said they have to wait for all of the final payments issued to be cashed/cleared, then they would send a discharge letter. She said they check the status every week to see if they can send the letter. They really seemed on the ball about it. I asked what would happen if, say, after 90 days, some payments were not cashed. She said at that point they would reclaim the funds and issue the clearance letter since we have completed everything.
We had ended up overpaying on ours so they sent us a refund check and a certificate of completion which states all debts have been satisfied and the debtors should be granted a discharge. Pacer.gov shows it as discharged as well, but the NDC.org website shows it as almost completed. I asked the trustee what we had to do to get it completed, she said all of the final payments have to be cashed.
You can always call the trustee's office to check on the status of the final payments clearing. Our trustee's office was way more helpful than our lawyers were. They returned my phone calls and answered all of my questions. When I called them a month before we were done with ours, I asked them what we had to do to make sure everything went smoothly. She said we had to complete a credit management type course and some other paperwork stuff. We got it all done no thanks to our lawyers who never mentioned any of this. I asked when they were going to tell us that we had to do these other steps and all we got was a blank stare.
