Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
Re: Chapter 13 ... coming to a close... I hope?

credit_challenged09 wrote:

Hi all... I filed ch 13 back in jan 2008.   I'm being told that my ch 13 plan wasn't approved until april / may 2008 meaning that my chapter 13 will not end until april / may 2013.  Is this correct?  

Depends on what state you filed in.  If you filed in Michigan I can definitely assure you that the clock doesn't start ticking until confirmation of your plan, which in your case would be the April or May.  I think there are only like 2 or 3 states like this so you will have to verify that yourself.  


If you are in Michigan and you filed in January and got approval in April, consider yourself lucky.  I'm in Michigan and I filed in March and wasn't confirmed until September so my 60 month plan didin't officially start until September even though I had been paying monthly since March.  

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014