Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
Re: Journey through Chapter 13

jrd4013 wrote:



It was mentioned here earlier but I want to reiterate too:  Don't bother the trustee with requests unless it is an absolute emergency.  One thing about living under the rules of an open Chapter 13 is that it should force you to always look 5 steps ahead and plan for any issues that may arise that can potentially deplete any cash reserves you may have.  Think twice before you have to go to the trustee looking for permission to do anything that will increase your debt load.  Fly low under the radar.


In the end, when you recieve your discharge paperwork (which takes about 6-8 weeks after your last payment to the trustee) keep it in a safe place and when you start thinking about making purchases on credit or taking out a mortgage or a car loan (all of which will be difficult to do at first) take a look at the discharge paperwork, think about what you went through during the chapter 13 and decide whether the financial committment you are about to make is worth it. 


Remember:  There is light at the end of the tunnel and it's not attached to a train!  Smiley Happy 


+1000%  .....Ditto to everything jrd4013 just wrote.  Fly under the radar to complete your case and keep the trustee out of the picture unless absolutely necessary.  The phrase that the squeaky wheel gets the oil does not apply here.  The trustee is NOT your friend. Follow the rules so that this can be put behind you.

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