Discharged Chapter 13!

Anonymous · ‎12-12-2021

I made my last payment for my chapter 13 on October 06, 2021 and I received my discharge letter yesterday it was discharged on December 3rd im so excited!

FireMedic1 · ‎12-12-2021

Congrats! Way to go to financial freedom!

Anonymous · ‎12-12-2021

Thank you

FLLGuy · ‎12-13-2021

@Anonymous- Congrats reaching this stressful milestone.

Even though you're free you still have the Trustee overseeing your estate. All you need to wait for now is your "Final Decree" usually takes upto 3 Months as long your trustee doesn't run into any complications. Example: one of your creditors doesn't agree or they come out of left field with something stupid........doesn't normally happen but just keep an eye out. Keep a look out in your Pacer.Gov account and you should see it. Again well deserved congrats!!!!!!

coreyb80 · ‎12-13-2021

Congrats on the discharge!

chalupaman · ‎12-14-2021

That must be a huge sigh of relief. Now you just gotta work hard and work on your rebuild when everything is all clear. Best of luck to you!

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down