From "Active" to "About to Close" 52 months into the 60 months

[maxito]

Hello Everyone,

I live in South Florida and I have a question, I have paid 52 months into the 60 months (5 years). Last week, I notice an entry on NDC for $11.91 for TRUSTEE FEE: INITIAL CONVERSION, at that time my status was "Active" I got scared of course, but after reading a post on that I realized there is nothing to worry about. Yesterday, my status changed from "Active" to "About to Close" Is it possible to get discharged knowing that there are still 8 more payments to go? Please advise. Thanks!

[justbroke]

I am in Florida but not the Southern District. You would need to contact the Trustee as those notations are what they use when processing the case. You may have paid your plan base and the Trustee is letting you go early. There is no way for me to tell you if you're about to be done. Typically, you would contact your attorney. There is a process in order to shutdown a Chapter 13 and receive a discharge. This includes a certification of no domestic support obligations (unpaid) and that you did the second management class.

Personally, I would contact my attorney since you are getting close. Especially if you have a wage deduction order in place.

[maxito]

Yes, I will call my attorney on Monday. I'm not on wage deduction. I have been sending money orders from month one. As a matter of fact, I sent May's payment today and with this payment I would pay a little over to what it's owed per NDC (Principal owed on claim summary section). I did the management course two or three months after I filed. The only thing I haven't received yet is the certification of domestic support from the trustee.

I hope to be close to the end.

[maxito]

I forgot to mention that I'm supposed to pay 38% of unsecured claims. But my question is: my base plan is 25K however with today's payment I will be at 23K (2K less than the base plan) but per the principal owed section on NDC all would be paid with May's payment. I'm still a little confused.

[justbroke]

This is why you need actual confirmation from your attorney and/or the Trustee. Typically, paying the plan base is an absolute requirement. That's why I can't guess as to whether you are done or not.

[spidge]

I cannot add more than what was said about reaching out to your attorney, but my trustee in the past had been fairly quick to adjust the payback percentage when appropriate. Its been 6 weeks since he received my last tax refund and even though the base went up the payback percent has yet to change. I know it is only a false hope that he leaves it and shortens my plan, but I doubt he will. My principle payback sure looks nice right now, but I am sure it will change soon.

Call either one but get on it and I truly hope that you are pleasantly surprised.

[LadyInTheRed]

I first noticed that the status in NDC went from active to "about to close" when I still had two payments left. It may have changed before I noticed. So, the change in status may not necessarily mean your plan will end early.

Did all of your creditors file claims?

[maxito]

LadyInTheRed, The answer is NO, not all my creditors filed claims.

[LadyInTheRed]

LadyInTheRed, The answer is NO, not all my creditors filed claims.

Then your plan will end early if you will pay 100% of all the filed claims before the end of the original plan. Your plan base may be $25K, but if it takes less than that to pay off all claims, attorney fees included in your plan and the trustee fees, then your plan will end when those items are paid.

[maxito]

That good news. Thanks a lot!

[maxito]

I have a question: my case is NDC changed from "ABOUT TO CLOSE" last week to "Z-ABOUT TO CLOSE" this morning. Is there any difference between both status?

Thanks!
Maxito