I wish I had this forum before starting Chapter 13, but in a way some ignorance was fine. I had no idea what the meeting of the creditors/341 meeting was all about so I wasn't really nervous in the sense that something could go wrong. I just thought it was part of the process. Seriously having info from this forum would have prepared us a lot better. And it sure helped me get through the BK 13 years.
I am in Ohio
Filed: 3-30-18
341 meeting: 5-16-18
Confirmation hearing: 6-21-18 (we did not have to attend)
Confirmed: 7-13-18
Automatic Discharge: 6-8-22
At this time our case is listed as discharged, Awaiting Close
We made our first payments in April of 2018 by May the payments were deducted from my pay
Jump to April of 2022 The Final Cure Payment of the Mortgage was sent out and the bank verified we were up to date, no late payments
We didn't know our BK was ending several months ahead of time, but when the Final Cure Payment is sent to the bank that means you are close to discharge.
Order to stop Wage Deduction: 6-7-22
Automatic Discharge: 6-8-22
Discharge of Debtor Completion of Chapter 13: 6-11-22
My attorney notified me on 6-10-22 of our discharge and sent a copy of the Order to stop wage deduction. I was able to email payroll, luckily it was the right time in the pay period, so the deduction was stopped as soon as possible.
The last payroll deduction was actually the pay date of 6-10-22 and the trustee sent final payments to creditors on 6-16-22
6-30-22 Trustee cut us a check for almost a full month of payments.
7-16-22 We received the check in the mail; it took about 2 weeks from time the check was dated for it to get in our hands and about 5 weeks after the automatic discharge.
From what I see on PACER it looks like we are awaiting closing, but everything is in place, and we are discharged.
All the creditors were notified either by mail or email of our discharge between 6-8 and 6-10-22.
I am in Ohio
Filed: 3-30-18
341 meeting: 5-16-18
Confirmation hearing: 6-21-18 (we did not have to attend)
Confirmed: 7-13-18
Automatic Discharge: 6-8-22
At this time our case is listed as discharged, Awaiting Close
We made our first payments in April of 2018 by May the payments were deducted from my pay
Jump to April of 2022 The Final Cure Payment of the Mortgage was sent out and the bank verified we were up to date, no late payments
We didn't know our BK was ending several months ahead of time, but when the Final Cure Payment is sent to the bank that means you are close to discharge.
Order to stop Wage Deduction: 6-7-22
Automatic Discharge: 6-8-22
Discharge of Debtor Completion of Chapter 13: 6-11-22
My attorney notified me on 6-10-22 of our discharge and sent a copy of the Order to stop wage deduction. I was able to email payroll, luckily it was the right time in the pay period, so the deduction was stopped as soon as possible.
The last payroll deduction was actually the pay date of 6-10-22 and the trustee sent final payments to creditors on 6-16-22
6-30-22 Trustee cut us a check for almost a full month of payments.
7-16-22 We received the check in the mail; it took about 2 weeks from time the check was dated for it to get in our hands and about 5 weeks after the automatic discharge.
From what I see on PACER it looks like we are awaiting closing, but everything is in place, and we are discharged.
All the creditors were notified either by mail or email of our discharge between 6-8 and 6-10-22.
Bankruptcy Tutor
It was hard for me to figure out who filed and who did not since everything had gone to collections and the creditors getting paid were not necessarily the name of the credit cards.
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