topic Re: Chp 13 Discharge Process in Bankruptcy

Chp 13 Discharge Process

StartingLifeOver — Thu, 13 Sep 2012 03:43:26 GMT

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?

Re: Chp 13 Discharge Process

StartingLifeOver — Sat, 22 Sep 2012 14:26:27 GMT

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

Re: Chp 13 Discharge Process

Guyatthebeach — Sun, 23 Sep 2012 00:35:23 GMT

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.

Re: Chp 13 Discharge Process

StartingLifeOver — Sun, 23 Sep 2012 14:53:18 GMT

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.

Re: Chp 13 Discharge Process

Poorboi — Sun, 23 Sep 2012 23:19:09 GMT

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

Re: Chp 13 Discharge Process

drboxing — Thu, 27 Sep 2012 16:15:35 GMT

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

Re: Chp 13 Discharge Process

StartingLifeOver — Fri, 28 Sep 2012 03:47:16 GMT

@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?

Re: Chp 13 Discharge Process

drboxing — Fri, 28 Sep 2012 03:57:36 GMT

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

Re: Chp 13 Discharge Process

StartingLifeOver — Fri, 28 Sep 2012 04:18:37 GMT

*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.

Re: Chp 13 Discharge Process

Rhaeny — Sat, 29 Sep 2012 00:08:25 GMT

@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.

Re: Chp 13 Discharge Process

drboxing — Sat, 29 Sep 2012 00:21:00 GMT

Thanks for update, I'm almost done, last payment 1/28/2013, so I guess. Should have discharge papers around feb or March 2013. I've reestablished credit 5 all with very low balances, so I should be in good shape for auto loan. Thankful it's almost over

Re: Chp 13 Discharge Process

StartingLifeOver — Sun, 30 Sep 2012 15:10:29 GMT

@Rhaeny wrote:
@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.

I was so worried because of all the nightmare stories I've heard about Chapter 13. This is a nervewrecking process to endure for 3-5 yrs. I'm just glad my time is coming to an end and the leash of the trustee will be off my neck.

Re: Chp 13 Discharge Process

Rhaeny — Sun, 30 Sep 2012 15:17:58 GMT

@luvmeirahbug wrote:
@Rhaeny wrote:
@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.
I was so worried because of all the nightmare stories I've heard about Chapter 13. This is a nervewrecking process to endure for 3-5 yrs. I'm just glad my time is coming to an end and the leash of the trustee will be off my neck.

I know right? It is like nail bitting time waiting and waiting. You would think after all of the years a Ch13 candidate endours in the court process that they would be more pro-active at closing out cases. It will drive you nuts until you see the discharge papers. Do you check pacer frequently?

Re: Chp 13 Discharge Process

StartingLifeOver — Sun, 30 Sep 2012 15:20:19 GMT

@drboxing wrote:
Thanks for update, I'm almost done, last payment 1/28/2013, so I guess. Should have discharge papers around feb or March 2013. I've reestablished credit 5 all with very low balances, so I should be in good shape for auto loan. Thankful it's almost over

Keep holding on, drboxing. 1/28/2013 will be here before you know it. I received permission to purchase a car from my trustee about a year ago. Have you considered that at all or do you prefer to wait it out? Also, what is credit 5?

Re: Chp 13 Discharge Process

StartingLifeOver — Sun, 30 Sep 2012 15:22:26 GMT

@Rhaeny wrote:
@luvmeirahbug wrote:
@Rhaeny wrote:
@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.
I was so worried because of all the nightmare stories I've heard about Chapter 13. This is a nervewrecking process to endure for 3-5 yrs. I'm just glad my time is coming to an end and the leash of the trustee will be off my neck.
I know right? It is like nail bitting time waiting and waiting. You would think after all of the years a Ch13 candidate endours in the court process that they would be more pro-active at closing out cases. It will drive you nuts until you see the discharge papers. Do you check pacer frequently?

No, I have no idea what that is.

Re: Chp 13 Discharge Process

Rhaeny — Sun, 30 Sep 2012 15:28:10 GMT

Pacer. gov

That is where you can check all of the filings of your case. You set up an account and yes it asks for a CC to charge you. BUT....the allow you so much free and in the 5 years I had my 13, I think I got one bill for 10 bucks. Each page you look at is like .10 cents or whatever.

I login to see what if anything is going on with my case. What I do is click the button that says status first and look at that date to see when the last filing was. If there was nothing recent from the last time I logged in then I don't bother looking anymore. Remember each document is at least 5 or 10 cents.

MANY and I mean MANY people have seen their discharge on the site before they even received it in the mail. It has been very handy for me in keeping up with what was going on with my case.

Re: Chp 13 Discharge Process

StartingLifeOver — Mon, 01 Oct 2012 02:25:44 GMT

@Rhaeny wrote:
Pacer. gov

That is where you can check all of the filings of your case. You set up an account and yes it asks for a CC to charge you. BUT....the allow you so much free and in the 5 years I had my 13, I think I got one bill for 10 bucks. Each page you look at is like .10 cents or whatever.

I login to see what if anything is going on with my case. What I do is click the button that says status first and look at that date to see when the last filing was. If there was nothing recent from the last time I logged in then I don't bother looking anymore. Remember each document is at least 5 or 10 cents.

MANY and I mean MANY people have seen their discharge on the site before they even received it in the mail. It has been very handy for me in keeping up with what was going on with my case.

I had no idea I could do that!! I'm going to sign up! Thanks Rhaeny!

Re: Chp 13 Discharge Process

Anonymous — Mon, 01 Oct 2012 19:48:53 GMT

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....

Re: Chp 13 Discharge Process

StartingLifeOver — Sun, 14 Oct 2012 04:05:52 GMT

@Anonymous wrote:
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.

Re: Chp 13 Discharge Process

Sha80 — Tue, 23 Oct 2012 17:25:08 GMT

Hi luvmeirahbug

I filed Chapter 13 June 1998. I made my last payment February 2012. Somehow my account was not recognized as paid in full because I was not due for final payment till June of 2013. After 3 months of awaiting on the funds to be disbursed, I contacted the trustee's office to see what was the delay. Final payments were sent out 3 weeks after that & I was told I would receive my discharge papers in 60 to 90 days. Again my paperwork was overlooked & I was not officially discharged until October 2012 after contacting the trustees office to inquire about the delay. It gets frustrating but continue to call and ask questions. Good luck to you.