Discharge came through last week! It was a long wild ride! Hoping our refund is in the mail today. Now to get the house refinanced and get rid of the 8.5% interest! Thanks to everyone here at BK Forum for support along the way.
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Filed Chapter 13 on 3-31-10. 341 completed 5/20/10
$2900+ a month 0% payback to unsecured creditors
Discharged 6/30/2015 -
Yay!
Congratulations!!!
LadyInTheRed is in the black!
Filed Chap 13 April 2010. Discharged May 2015.
$143,000 in debt discharged for $36,500, including attorneys fees. Money well spent! -
Congrats on the discharge. I hope there is a program you might qualify for a rate reduction on the mortgage. My lender searched every program they could find and came up with one that we qualified for while in a CH13. Satisfying for both the lender and us.
Good luck and don't forget to update your signature.11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JPComment
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Congratualtions!!!! What a way to celebrate the 4th!!!! True Independence!!!!! I'm very happy for you/Filed Chapter 13 - 07/20/12
Discharged 8/2/16Comment
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Congrats!!!Filed ch 13 03/2012. Final payment made 03/2015. Discharged 8/04/15!!!Comment
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CONGRATULATIONS!!!! July Fourth is truly a New Independence Day for you. 
Here you go:
"To go bravely forward is to invite a miracle."
"Worry is the darkroom where negatives are formed."Comment
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Congratulations! I know it has been hard at times! Got my discharge today! Here's to new beginnings! Good luck!Comment
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congratulations! partay!!!Comment
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Thank you! It does feel good!Filed Chapter 13 on 3-31-10. 341 completed 5/20/10
$2900+ a month 0% payback to unsecured creditors
Discharged 6/30/2015Comment
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I can do that mortgage for you. FHA. Make sure you call your current lender and request at least a 24 month mortgage history along with the trustee report showing no lates with the payment from the beginning. If not FHA your only option is to wait 2 years for confirming Fannie or Freddie product. Low to mid 4% as of todayComment
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How long did it take for your discharger after the final payment posted?Originally posted by frustrated51 View PostComment
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Frustrated, don't let this offer for assistance narrow your efforts. Not to take away from Monty's good intentions. There are many programs available for just about any mortgage. Mine was a privately backed mortgage and I qualified for HAMP tier2. If your lender is interested in a profitable payback they will find a program to help you and them. Give them a call.Originally posted by Monty View Post11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JPComment
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Congrats!!!Discharge date: October 2017 (will it ever get here?)
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Spidge,
I highly doubt he will qualify for a "HAMP "(mortgage modification) and I cant imagine he would want to being he successfully paid off his plain, I highly doubt he is in distress. Realistically, his only option is a FHA being he is not discharged for 2 years It would have to be manually underwritten just as if he was still in the plan due to the newness of being discharged. There is no profitable "payback for he lender" since they sold the loan and only service it. HARP are only Fannie and Freddie ,HAMP is FHA ,USDA Freddie and Fannie loans.Last edited by Monty; 07-10-2015, 04:03 AM.Comment
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