Reply
New Member
Gymgirl
Posts: 2
Registered: ‎08-25-2013
0

Just received discharge

I just received my discharge of debt (August) for my chapter 7 filing and I'm not entirely sure what I need to do next, if anything. My attorney has been vague and difficult to get on the phone. Do I receive something from each of my creditors acknowledging the discharge? Do I need confirmation or is the discharge paper enough? The letter from the bankruptcy court (California) only states the discharge, doesn't list any creditors. I just don't know if there's any steps I need to take now. I have two car loans that were reaffirmed and I've been paying faithfully each month. My debt was credit cards and old taxes. Thanks for any help!
Frequent Contributor
shols44
Posts: 398
Registered: ‎11-03-2012
0

Re: Just received discharge


Gymgirl wrote:
I just received my discharge of debt (August) for my chapter 7 filing and I'm not entirely sure what I need to do next, if anything. My attorney has been vague and difficult to get on the phone. Do I receive something from each of my creditors acknowledging the discharge? Do I need confirmation or is the discharge paper enough? The letter from the bankruptcy court (California) only states the discharge, doesn't list any creditors. I just don't know if there's any steps I need to take now. I have two car loans that were reaffirmed and I've been paying faithfully each month. My debt was credit cards and old taxes. Thanks for any help!

You don't have to do nada! Zip! Zilch. It is over...all you have to do now is focus on your rebuild http://ficoforums.myfico.com/t5/Bankruptcy/UPDATED-HOW-TO-From-BK7-discharge-to-700-in-24-months-or-.... You will not receive anything from any creditors. The only thing you need is discharge order for your own files. It sounds like you already got that. The entire schedule of creditors can be retrieved through PACER along with the rest of your BK paperwork if you want it. 

 

 


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

New Member
Gymgirl
Posts: 2
Registered: ‎08-25-2013
0

Re: Just received discharge

Great, i feel better now. Thanks so much for your answering!
Regular Contributor
bbrentlinger
Posts: 125
Registered: ‎12-02-2010
0

Re: Just received discharge

I would keep any paperwork regarding your chapter 7.  bills and discharge for awhile atleast and make sure your credit reports reflect this. 


Starting Score: EQ593 EX 633 TU 649
Current Score: EQ 593 EX 633 TU 649
Goal Score: 700


Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}