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11-17-2012 02:25 PM
Just updating this thread, since I've done so much griping lately!! I got my DISCHARGE today!!!!!
I just logged in today and there it was! Very special thanks to Rhaeny for informing me about pacer. Pacer changed my life!!
Hey Luvmeirahbug.....CONGRATULATIONS!!!!!!!!!!!!!!!!!!!!!!!!!!!! YAY!!!!!!!!!!!!!!
Isn't it a wonderful feeling? The feeling of total relief from this bondage and scrutinization is undescribable but certainly more than welcome!
So what are you going to do now with your new life since this is behind you
I'm buying a HOUSE!!!!
02-27-2013 06:33 PM
I just paid off my Chapter 13 early by 11 months on a 5 year plan. Brutal process - in that time, I got married and had 2 kids. Needless to say, I'm happy to get my life back.
I'm trying to buy a house at the end of March since the housing market is starting to get hot again (at least where I live it is). I had the money to pay the full amount off in January of 2013 but I was incorrect about the final payoff amount. Long story short - I didn't get the full amount paid until 2.5.13 I did not realize (until it was too late) that the Trustee holds all the money until the end of the month (I'm sure they are making money on the interest), and then sends out the final disbursement at the end of the month (fair warning to anyone in my predicament).
Based on my conversations with my lawyer and the trustee, once the final disbursement is made (in my case it should be 2/28/13), then the trustee will perform an audit of the case to make sure everyone got paid. It's been hard to get a straight answer from my lawyer or my trustee but from what I've been able to gleen from their cryptic code, there is a good chance I should have my discharge before the end of March. My closing date is March 29, 2013! I am so stressed out by this because I have no control over the situation and nobody else involved seems to care (which is understandable, I guess).
My plan is to call the trustee and my lawyer often in March to get status updates on the case. I am sick my stomach because I have a feeling Murphy's Law will be in full effect in my situation and I will get the discharge a day after we lose the house because the discharge was delayed for some frivolous reason (i.e.. The court clerk took a smoke break during my case discharge and the paperwork got accidentally destroyed when the Judge spilled his coffee on the final discharge papers). I know that I'm being OCD about the whole process but it is just my nature.
Any heartwarming stories about your Chapter 13 discharge experience are highly encouraged here!
02-27-2013 06:46 PM
I forgot to mention that this website will allow you to see the current status of your case/payments with the Trustee:
In addition to PACER (which I have not used), you can go to directly to your regional bankruptcy court's website to sign up for electronic communication about your case (instead of having to wait for snail mail). http://www.pacer.gov/psco/cgi-bin/links.pl I am signing up for this today and will update this with what happens.
I will let you all know what happens with my situation.
03-13-2013 09:50 AM
Hello all! I too am waiting on my discharge papers. I filed in 2009 and I just received my completion papers from my trustee a few weeks ago. I also learned of pacer through this group, and have been checking it. I am trying to be patient but OMG. Everything has been filed and all it says is "Motion for discharge" "Awaiting hearing." Everything was done on 2.19.13. I called my lawyer, and all she says is; " Everything that needs to be done has been, any day now." Seem like the courts are taking forever. I am in AL so that says a lot. Oh dear GOD please get me through this!
03-14-2013 12:50 PM
03-16-2013 10:26 PM
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