topic Chapter 13 Discharge When? in Bankruptcy

Chapter 13 Discharge When?

Horchata — Wed, 28 Sep 2022 23:08:20 GMT

Long story short. My car's engine blew, a Hyundai just past the warranty. I made my last CH 13 payment on 08-26-2022.

09/12/2022

Debtor's(s') Certification of Compliance with 11 U.S.C. Section 1328 filed by John Jones on behalf of Horchata

08/31/2022

Notice to Debtor(s) and Creditors Concerning Issuance of Chapter 13 Discharge (Re: related document(s)[76] Trustee Report of Completion of Plan Payments filed

doc

08/30/2022

Response to Notice of Final Cure Payment Rule 3002.1 (Claim # 13) with Certificate of Service Filed by Creditor Freedom Mortgage Corporation

08/29/2022

Trustee Report of Completion of Plan Payments Filed by

08/29/2022

Notice of Final Cure Payment re: Rule 3002.1.

08/29/2022

Notice of Final Cure Payment re: Rule 3002.1. Filed by

08/29/2022

Directive for Termination of Plan Payments.

it is reversed by all the action since I made the last payment. I received a check from the trustee on Saturday and I cashed it. I really need that discharge as I have no way to work and have to buy a car. I feel so helpless. Am I close? NDC states completed/Closed and 0.00 funds left to pay out as of 21 Sept 22.

thanks for any information

Re: Chapter 13 Discharge When?

FireMedic1 — Thu, 29 Sep 2022 10:48:29 GMT

Print out the proof your 13 is done until the DC is signed by the judge. Is that from PACER?

Welcome to the forums!

Re: Chapter 13 Discharge When?

smitty1 — Thu, 29 Sep 2022 22:40:53 GMT

Check with Pacer, that is where your DC will show first. At least did for me, took about 30 days from notification.

Re: Chapter 13 Discharge When?

Horchata — Thu, 29 Sep 2022 22:47:01 GMT

It actually discharged today. Took 32 days after the last payment was maxes happy it's done. Never again.

Re: Chapter 13 Discharge When?

Pway — Thu, 29 Sep 2022 23:45:35 GMT

Congrats on receiving your discharge. New life, new beginnings.

Re: Chapter 13 Discharge When?

FireMedic1 — Tue, 04 Oct 2022 10:13:16 GMT

Congrats @Horchata Let the fresh start begin!

Re: Chapter 13 Discharge When?

Free2K3 — Sat, 08 Oct 2022 21:09:18 GMT

Hello, Everyone!

We're new to the forum and we're already reading and collecting some gems from the various topics and responses.

My wife and I made our last payment to our Ch13 repayment plan on 9/30/2022. $365K total debt from previous marriage, paid in 4 years.

It felt great to make the last payment and we received our refund of overpayment on 10/6/2022. Also, we received our Notice of Plan Completion from the Trustee on 10/7/2022 and was informed to resume paying our mortgage and HOA beginning 11/1/2022. Our attorney informed us that we have a few more papers to receive and respond to, but our discharage should be in the mail soon.

We are looking forward to rebuilding our credit. Our credit scores have remained in the mid-600's and I think it's because we kept a few cards out of the BK (i.e., AmEx Delta Skymiles Platinum, Credit First/Firestone Credit Card for emergency auto repairs and Syncrony Bank/Care Credit for emergency health and wellness costs not covered by insurance). We've been deligent in keeping our balances below 30% on all of them. The balance on the AmEx is paid in full each month before the due date... we've used it for gas, groceries and a few recurring subscriptions.

Questions for @FireMedic1

1. Do you think we will quality for another AmEx over time? The Delta Skymiles Platinum maxes at $1k. We would prefer to use a travel card with a higher limit and not always have to pay for trips in advance or use our debit cards due to most of our annual family trips are more than what the Delta card can handle.

2. I understand multiple invitations will come after the discharge of our Ch13. Should we wait 1-2 years before responding to any of the invitations from other credit card companys?

3. Do you recommend making large deposits and using a secured card to assist with the rebuilding of our credit worthiness? If so, which do you recommend?

3. Your recovery and credit worthiness is impressive. I'd like to know what you'd recommend as our plan for rebuilding our credit worthiness.

Thanks so much.

Re: Chapter 13 Discharge When?

StartingOver2023 — Sat, 05 Aug 2023 20:33:49 GMT

How were you able to keep the Amex and CFNA outside of your 13?

Re: Chapter 13 Discharge When?

Free2K3 — Sat, 05 Aug 2023 21:18:08 GMT

Hello there. Those balances were at zero, so we didn't have to include them.

Re: Chapter 13 Discharge When?

StartingOver2023 — Sun, 06 Aug 2023 20:32:56 GMT

Thanks for that insight. The first attorney I spoke to did not make clear to me that the account(s) I have zero balances on could stay out of the filing. I walked away assuming his clerk would notify all creditors, and essentially all the cards would get tagged as included in BK. Per the notes I wrote down, only the secured debts (car or home) could be outside of the BK.

Re: Chapter 13 Discharge When?

FireMedic1 — Sun, 06 Aug 2023 23:18:25 GMT

@StartingOver2023I filed a 7. There are others that did a 13 and more rehearshed than me. What cards do you have now? Any open loans?

Re: Chapter 13 Discharge When?

Lurker22 — Mon, 07 Aug 2023 11:59:07 GMT

@StartingOver2023 wrote:
Thanks for that insight. The first attorney I spoke to did not make clear to me that the account(s) I have zero balances on could stay out of the filing. I walked away assuming his clerk would notify all creditors, and essentially all the cards would get tagged as included in BK. Per the notes I wrote down, only the secured debts (car or home) could be outside of the BK.

typically creditors in a 13 will find out even if you didn't notify them and will close your account even if the balance is $0 but there are occasionally reports of an account falling through the cracks, I had 1 account make it about 75% through my 13 but it finally closed

Re: Chapter 13 Discharge When?

StartingOver2023 — Tue, 08 Aug 2023 12:03:16 GMT

Great to know, thank you.