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9 payments left...Amount owed doesnt add up to remaing payments

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    9 payments left...Amount owed doesnt add up to remaing payments

    I currently have 9 payments left. The program is 10.15%, I downloaded the CSV file from ndc.org, and noticed there is a few accounts that show "claimed amount" at $0, but a dollar amount on the "scheduled amount" tab, but still $o in the Principal owed tab . basically if i took all the totals from the Principal Owed tabs it totals $1420 . my payments are $260 and I know 10% goes to the trustee. so even if i took $1420 and divided by $234, i will have a little over 6 payments.
    Is this normal when it gets close to the end? If I looked at the list and really tried to understand it, it looks like when the original petition was filed, there were some creditors that didn't fully file their claims and the claim amount therefore is $0. but there is still a Scheduled amount.
    Is this something I need to bring up to the Attorney?
    My original plan was 36 months, a few months into it my mortgage company made a claim for $650 in fees which added 3 months, it was originally filed in June 2022, and 1st payment was made in July. So my last of the 39 payments should be made in September 2025

    #2
    I would not look at the NDC's website to determine where you are. We debtors only use the NDC to see what has been paid. The Trustee's typically have their own internal accounting system that has the actual amounts and what is left.

    You can ask your attorney when you'll be done, but that's typically based on your confirmed plan (or the modified plan in your case). Please do not use the NDC site for anything other than the ledger and knowing who has been paid and when. It does not drive your plan at all. Your confirmed--or modified--plan determines the amount of time along with the plan base that must be paid.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

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      #3
      justbroke Thank you, I was thinking I was still going to have to make all 9 payments, I guess the real gauge is after the 6th payment to see where the money is going...

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