Regular Contributor
StartingLifeOver
Posts: 110
Registered: ‎02-06-2009
Chp 13 Discharge Process

‎09-12-2012 08:43 PM

Does anyone know what is actually entailed during the discharge process? I just got a letter from my trustee saying I owe less than one payment now-one month earlier than expected. It also says this is pending an audit of my acct and if they find I owe more, they'll contact me. I'm curious to know what exactly are they checking and why don't they know exactly how much you owe automatically? It would seem to me they would check that before sending the letter. Has anyone else experienced this and have you ended up owing any more money afterwards?
Starting Score: 426 Ch. 13 BK Discharged Nov 2012 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

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StartingLifeOver
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Re: Chp 13 Discharge Process

‎09-22-2012 07:26 AM

Anyone? I know someone out there has to know something.

Starting Score: 426 Ch. 13 BK Discharged Nov 2012 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

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Guyatthebeach
Posts: 126
Registered: ‎09-04-2012
Re: Chp 13 Discharge Process

‎09-22-2012 05:35 PM

Luvmeirahbug, I don't know as I filed Chapter 7. It sounds to me they simply review the balances to make sure of exactly what is left to pay off.  It looks to me there is definitely light at the end of the tunnel.  Let me know how it goes.

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StartingLifeOver
Posts: 110
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Re: Chp 13 Discharge Process

‎09-23-2012 07:53 AM

OK, I will. I'm waiting to hear back from my lawyer as well. At the time of my post, she hadn't received her copy of the letter yet. Hopefully, she'll be able to shed some light on this as well.
Starting Score: 426 Ch. 13 BK Discharged Nov 2012 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

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Poorboi
Posts: 82
Registered: ‎06-02-2012
Re: Chp 13 Discharge Process

‎09-23-2012 04:19 PM

The reply earlier is correct, I was recently discharged, I paid off a year earlier, the trustee gave me 30 day payoff quOte. My attorney called me approx three weeks after I mailed in money. I even got a check back from trustee saying I over paid

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drboxing
Posts: 41
Registered: ‎09-19-2012
Re: Chp 13 Discharge Process

‎09-27-2012 09:15 AM

I'm coming close to my chpt 13 discharge, according to my paperwork, the last payment will be 1/28/2013, what should I do at ths point? Any help is appreciated 

Starting Score: TU 614 EX584
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StartingLifeOver
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Re: Chp 13 Discharge Process
[ Edited ]

‎09-27-2012 08:43 PM - edited ‎09-27-2012 08:47 PM

drboxing wrote:

I'm coming close to my chpt 13 discharge, according to my paperwork, the last payment will be 1/28/2013, what should I do at ths point? Any help is appreciated 

Where do you stand right now? (score, any CC's?)  What is your focus (i.e., higher score, new credit, house, etc.)?  Do you know what your trustee allows you to do?
Starting Score: 426 Ch. 13 BK Discharged Nov 2012 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

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drboxing
Posts: 41
Registered: ‎09-19-2012
Re: Chp 13 Discharge Process

‎09-27-2012 08:57 PM

Have 3 more payments of 60 month chpt 13 BK, FICO (Walmart) 640, started working on getting a motrgage.  Just interested in how the discharge works fo chpt 13

Starting Score: TU 614 EX584
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StartingLifeOver
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Re: Chp 13 Discharge Process

‎09-27-2012 09:18 PM

*Update* I heard from my lawyer.  I'm not sure if this is a YMMV situation or not. I was told that the process will go as follows for me--

Trustee's office will audit the case, contact creditors to make sure the balances paid match trustee records.  Lastly, they would send some paperwork to my lawyer's office for me to sign.  Lawyer sends these documents back to the trustee and discharge papers would be finalized.  Process should be finished by next month. 

Starting Score: 426 Ch. 13 BK Discharged Nov 2012 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

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Rhaeny
Posts: 1,109
Registered: ‎07-24-2011
Re: Chp 13 Discharge Process

‎09-28-2012 05:08 PM

luvmeirahbug wrote:

*Update* I heard from my lawyer.  I'm not sure if this is a YMMV situation or not. I was told that the process will go as follows for me--

Trustee's office will audit the case, contact creditors to make sure the balances paid match trustee records.  Lastly, they would send some paperwork to my lawyer's office for me to sign.  Lawyer sends these documents back to the trustee and discharge papers would be finalized.  Process should be finished by next month. 

Yep that is just the way mine went as well.


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