Reply
Community Leader
Valued Contributor
Posts: 2,435
Registered: ‎11-29-2012
0

My discharge may be delayed

I am so sad.  I went to my attorney's office today to give him copies of this year's tax returns to file with the trustee and I asked him if I was still on track to receive my discharge in a few days and he said he wasn't sure and that since they were taking my tax refunds for this year that I might not get a discharge until the court had received them.  I then called the bankruptcy court clerk and asked her, she looked up my case and said "oh, you better sit tight."  I have no idea what the heck that means other than I'll be delayed.  I have zero control over when the state and feds will issue my returns and yet I may be held hostage until they do.  Does anyone else have any experience with this?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: My discharge may be delayed

Unfortunately you will have to wait until the courts receive your tax returns for your bankruptcy discharges. I filed chapter 7 back in 2004 and I did mine in in Feb and I was Discharged in April of '04

Community Leader
Valued Contributor
Posts: 2,435
Registered: ‎11-29-2012
0

Re: My discharge may be delayed

I have another question. It looks like no creditors have filed a proof of claim, unless those aren't listed on pacer, if that's true then what happens to my taxes? Do they come back to me, or does the trustee keep them to pay himself?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My discharge may be delayed

Is this a 7 or a 13?
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Community Leader
Valued Contributor
Posts: 2,435
Registered: ‎11-29-2012
0

Re: My discharge may be delayed

It's a 7, and the last day for creditors to file anything is tomorrow, 2/4. Am I right that any proofs of claim would be on pacer?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Community Leader
Valued Contributor
Posts: 2,435
Registered: ‎11-29-2012
0

Re: My discharge may be delayed

So I got yet another answer today.  An associate at the firm tells me 60-90 days after the 341, which is what I expected in the first place.  Who knows what's going on.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Highlighted
Community Leader
Super Contributor
Posts: 6,464
Registered: ‎03-06-2010
0

Re: My discharge may be delayed

60 to 90 days after your 341 is a completely normal time for discharge on a CH 7 so it sounds like things are going well for you! Don't stress, you have done the hard part.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.