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You do not get a discharge until you successfully complete the payment plan.
If you want to finance a car while you are in a CH13 you will have to get permission from the trustee first.
If you put your current car in your CH13 plan the interest would have a cap on it and be much less than 17%. Although you are underwater, what shape is the car in and could you potentially keep it, is that even an option? We were in a lease prior to filing and we knew that we would be in the middle of our payment plan when the lease ended. Rather than deal with the issues associated , we traded the lease on a new car prior to filing and then included the new car in our payment plan.
You said the car was with NFCU, is that the only thing you are burning with them or do you have cards? I ask because if possible I would avoid burning them.
We were also in a negative equity situation and we traded anyway, rolling it in. Our credit was bad and I think we ended up with an 11% or so interest rate and by including it in our plan it was knocked down to like 6%.
Our trustee also allowed immediate rebuilding. It was a big help to be able to start earlier than discharge.
I do understand that. We had to burn USAA and NFCU has been really good to us post filing. Best of luck.
As far as discharge papers, you will get an official discharge notice from the courts. It is a 1 page document that shows your case number, names on filing and says DISCHARGE OF DEBTOR AFTER COMPLETION OF CHAPTER 13 PLAN.
Nope, after you complete the plan. I think we got our discharge about 6 weeks after our last payment.