Re: Chp 13 Discharge Process
10-13-2012 09:05 PM
Hi luvmeirahbug, I hope to be getting my discharge letter soon. My last payments were sent out by my trustee 1 Sep 12, so as of that date, my balance due was $0.00. My attorney and trustee told me that I have to keep making my monthly payments until I receive my letter. I waited until the last minute to send in the Sep payment, which I mailed last week. As of right now I have a balance on hand of $1300, which I will get back, but I really don't have an extra $465 per month for the next however long it takes them to close out my account. Frustrating. The trustee in Ohio said 3-4 months. One of my freinds said to consider it a Christmas club and cross my fingers I get it back before the end of the year. I hate waiting....
that makes no sense....some states really do what they want--no matter how unfair the practice is. I received another letter from the trustee stating my plan has been completed and the payments are complete pending auditing of my case. I am not required to keep paying until I receive my discharge paperwork. I'm sorry you have to go through that, OhioChick.
Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720