Last Payment Made

[masmith57]

Well I made my last ch13 payment on 9/27. Should be at trustees office in next 2days. Second course done & certificate posted. I'm relieved but now how long before discharge? My trustee is still holding around $6K of payments; seems like a slow process is headed my way plus in FL not in hurricane damage area but hoping it won't take long!!!!! Longest 60 months EVER!!!😰😰

[shipo]

Congratulations! It seems 2022 is a bumper year for Chapter 13 discharges. Regarding when your discharge comes through, it varies by region; in my case I got the discharge almost exactly 4-weeks after my final payment was posted; I'll let justbroke comment on what is typical for Florida.

[justbroke]

My last payment was in May but I think my case was closed in August. The discharge did come rather quickly and I think as soon as the Trustee posted the notice of plan payments completion, the discharge wasn't far behind. I had some administrative issues at the end, but it wasn't too bad, overall.

The discharge is the prize.

Congratulations!

[fdup]

My last payment is this month! I'm finishing my Chapter 13 a whole 16 months early!!! I feel like I will be getting a $1200 a month raise!! So friggin excited as this has been so hard!!

[Barbisi]

Humongous congrats on that early BK13 "release", fdup!
You must be so exhilarated to be freed from bankruptcy prison so early too -you had to something right, LOL!

[Barbisi]

I forgot to congratulate the OP, masmith57 - you did it!
Huge Congrats on surviving the worst 60 months in anybody's life!

[Carmella]

masmith57 CONGRATS!!!! It is a slow process, but you did it!