@southside52 wrote:
Wow...you got to pay it off early and they didn't go through your financials? I am losing my job at the end of March and was going to try to get a discharge (I have 15 mos left) but I only owe $2k like you, but frankly am afraid to do anything that will arouse any interest by the trustee, who's been described as a 'Nazi'! thanks for your response.
As long as you have passed the minimum amount of time since you filed (3 or 4 years?) I don't see why they wouldn't accept an early payoff.
You said your BR 13 has been pure hell... that wasn't the case for me. I didn't have any issues... at one point in early 2010 after my layoff I got 3 months behind on my payment and they didn't dismiss my case. I was borrowing from Peter to pay Paul every month because my unemployment income barely covered my bills... to the point where I had no grocery and gas money.
It was hell but I made it through it. I got a job in Seattle and moved... paid off my BR and here we are 9 months post discharge and my credit profile is complete. I am done opening new accounts. I'm going to continue to make my payments while these accounts age and when my BR drops off my report in early 2016 I will be golden.
Stay positive... it will get better. By all means, if you have the option of paying it off early to get started on your rebuild... I would do it.
