@Eppie1983 wrote:
3. Anyone in Maine that can attest to how long it took them to go from last payment date to recieving their discharge order/letter?
It varies state to state.
I made my last payment in mid March and got my discharge a week or so later.
@Eppie1983 wrote:Hey TRC
I dont know why it seems to take so long here. My lawyer says he has to file a motion to discharge and set a hearing in court. Also has to give creditors 30 days to contest. Did any of you guys see that at all? A week or so seems super fast. Am I confusing terms? I need whatever discharge paperwork allows me to do a VA loan and get credit again. Thats what im after
I have no idea. I can give you the exact timeline of what happened to me though in Washington state. I filed in Jan 2017 and was expecting the final payment to be Jan 2022... I made said payment expecting the discharge in Feb.
In early March the trustee told me I still owed $730 due to my math errors (I had a bi weekly payment amount but I paid once a month... 12 mo x 4 = 48 weeks but there are 52 in a year) I was never told I was "falling behind" by the trustee or my attorney.
In mid March I made the new final payment... I sent $800 just in case. The trustee's clerk told me that the audit would be done and the discharge too in a matter of days. I got the stuff in the mail a week or so later... my discharge as well as a $70 refund check for my final overpayment.
Never heard anything about creditors having 30 days to object... it was really a smooth process.