Reply
Regular Contributor
Posts: 125
Registered: ‎12-02-2010
0

chapter 13 discharge question

Unfortunately, I have a hard time getting a hold of our bk attorney.  so I have a question as we are close to the end of our chapter 13, Does it get discharged after 60 mos or when the base amout is paid?  because 60 months ends is October but the base would not have been paid until November.


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


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 216
Registered: ‎02-22-2013
0

Re: chapter 13 discharge question

[ Edited ]

Be very diligent in getting a hold of someone at your atty's office. Can you email your atty??. I have seen several similar questions answered on here that state the base plan has to be paid, but I would get the actual answer from your attorney.. Good luck with your soon to be chapter 13 discharge and also getting a hold of your attorney!! 

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 670/EX - 702/TU - 696
Cap1 Q1 $3,500 / Cred 1 $1,975 / 1st Natl $2k / Kohl's $2,500 / Barclay Rew $2,150 / Barclay SM MC $4,800 / NFCU Visa Sig Cash Rew $17k / Lowes $8,300 / Best Buy $3k / NFCU LOC $15k / Walmart MC $1,600
Established Member
Posts: 16
Registered: ‎05-24-2013
0

Re: chapter 13 discharge question

Hi:

 We too are near the end of our chapter 13.  we spoke directly to our trustee and the base amount has to be paid in full before you can get a discharge..  " If the unsecured percent is less than 100 and you have NOT paid your base amount, then you'll need to continue paying untill you meet your base."

Never Look Down on Anyone Unless You are Helping Them Up
Regular Contributor
Posts: 125
Registered: ‎12-02-2010
0

Re: chapter 13 discharge question

thanks!  I did get ahold of our attorney and he said we had to pay the remaining balance of $1090.  then the discharge will take about 30 days from receipt of payment.  We are making our last payment on friday.  I cannot wait to get those discharge papers in my hand!


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


Take the myFICO Fitness Challenge
Established Member
Posts: 16
Registered: ‎05-24-2013
0

Re: chapter 13 discharge question

Congratulations on completing your chapter 13. We will be finished in January, which will be a long 5 yrs 9 mths..  I guess not too many people who file chapter 13 actually finish.  So it's a big accomplishment...I am Making October's payment tomorrow....then 3 to go

 

 

 

 

 

 

 

**Never Look Down On Anyone Unless You Are Helping Them Up!!**

Never Look Down on Anyone Unless You are Helping Them Up
Frequent Contributor
Posts: 297
Registered: ‎02-24-2013
0

Re: chapter 13 discharge question

Congrats! Getting thru bk13 can be a challenge. So glad you made it to the end. Like mentioned above so many don't. CONGRATS!!!

Starting Score: TU 489 EQ 561 EX unknown (2/24/2013)
Current Score: TU 647 EQ 627 EX 607 (7/05/2013) Lender Pulls ; MYFICO (10/11/2013) EQ 719, TU 679, EX 659 ; MYFICO (11/13/13) EQ 702, TU 660, EX 676 ; Lender Pull (11/15/13) EQ 702, TU 679, EX 684
Goal Score: 720


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 125
Registered: ‎12-02-2010
0

Re: chapter 13 discharge question

Thanks! I think I read a statistic that only 22% finish. I think a lot convert to 7. We just could never qualify. Or get our attorney to do it he was not very good.

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


Take the myFICO Fitness Challenge
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.