Hello folks I'm new here, and I had some questions about my chapter 13 bankruptcy. First off let me fill you in on my situation, I live in Illinois, and my confirmed date was june of 2008. I have not missed a payment, nor been late on any. My last payment is June 2012 end of the month, my paralegal informed me that I wasn't required to send or forfeit my tax refunds to the trustee since my case was confirmed in 2008 something to do with the law changing. So my first question would be has anyone here dealt with the trustee Russel C Simon? And how long after my discharge can I expect to see a cease and desist order for wage garnishments? I did all my meetings, and credit courses. And my second question would be, what should I be on the lookout for as far as my discharge is concerned? Does anyone see any problems here? I would greatly appreciate any info. Thanks!