Almost there...

[EmmaPeel007]

Hey All,

This sub has been a wealth of information. I have a question for the resident pros.

It looks like we are almost at the finish line on our Chapter 13 journey. We just received the "Notice of Application for Entry of Discharge" from the US Bankruptcy Court.

I don't see a final audit from the Trustee in PACER, but I do see a Trustee's Notice of Unclaimed Dividend. Can the Trustee still come back and object to the discharge or can I start to breathe again?


Filed: 04/20/18
Final Payment Received by Trustee: 03/23/23
Notice of unclaimed dividends filed by Trustee: 04/24/23
Notice of Application for Entry of Discharge: 05/08/23

[EmmaPeel007]

Just heard from our attorney. That's just what he filed. Still need to wait a bit.

[Carmella]

The waiting is always hard! Soon you will be free!!

[EmmaPeel007]

Thanks, Carmella! I'm in California, so even though we made our last payment in March 2023 I still have a couple months to go

Filed: 04/20/18
Final Payment Received by Trustee: 03/23/23
Notice of unclaimed dividends filed by Trustee: 04/24/23
Notice of Application for Entry of Discharge: 05/08/23

[EmmaPeel007]

Just an update for reference in case anyone searches these forums in the future. The Trustee just filed their final report and account yesterday. Getting closer! If all keeps moving forward this way, we should hopefully discharge in August.

Filed: 04/20/18
Final Payment Received by Trustee: 03/23/23
Notice of unclaimed dividends filed by Trustee: 04/24/23
Notice of Application for Entry of Discharge: 05/08/23
Trustee Filed Final Report and Account: 06/09/23

[justbroke]

Your discharge should come any day. Congratulations!

[EmmaPeel007]

justbroke thanks so much! From what I read, here in California there's 30 days for objections to the Trustee's final report. So I'm just baking in additional time and hoping that we will be done in August.

[EmmaPeel007]

The latest for historical purposes:

Filed: 04/20/18
Final Payment Received by Trustee: 03/23/23
Notice of unclaimed dividends filed by Trustee: 04/24/23
Notice of Application for Entry of Discharge: 05/08/23
Trustee Filed Final Report and Account: 06/09/23
Declaration Re Non-Receipt of Objections to Trustees Final Report: 07/14/23

Hopefully discharge is soon with the close to follow. Guessing we should be done by the end of August.

[justbroke]

What a journey.

[EmmaPeel007]

Getting closer. More filings last Friday.

Filed: 04/20/18
Final Payment Received by Trustee: 03/23/23
Notice of unclaimed dividends filed by Trustee: 04/24/23
Notice of Application for Entry of Discharge filed by Debtor: 05/08/23
Notice of Intent to File Trustee's Final Report and Account filed by Trustee: 06/09/23
Declaration Re Non-Receipt of Objections to Trustees Final Report filed by Trustee: 07/14/23
Chapter 13 Standing Trustee's Final Report and Account Filed by US Bankruptcy Court: 07/14/23

Looking forward to Discharge in a couple weeks and then the Close 14 days after.

[justbroke]

Wow, it's moving along. It's a great feeling to finish a Chapter 13. It's an arduous journey and you had the mettle to complete that journey. Bravo!

[EmmaPeel007]

Thanks so much, jb! I think it was a combination of a truly great lawyer, understanding family support, and sheer luck that we made it through without any massive pitfalls. We were even able to refinance our mortgage at a super low interest rate. Just kept our heads down and stayed within budget.

This board is such a wonderful resource and all you mods are super helpful. I want to make sure I added some additional data for those who live in California so they know what to expect and how long it takes at the end.

[CruzingThru]

Just an update for reference in case anyone searches these forums in the future. The Trustee just filed their final report and account yesterday. Getting closer! If all keeps moving forward this way, we should hopefully discharge in August.

Filed: 04/20/18
Final Payment Received by Trustee: 03/23/23
Notice of unclaimed dividends filed by Trustee: 04/24/23
Notice of Application for Entry of Discharge: 05/08/23
Trustee Filed Final Report and Account: 06/09/23

Your notes from the past have been very helpful. Also in CA here with a similar timeline, and its helped give me patience lol. Just wanted to say thanks!