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Chapter 13 Discharged ... But It's Still Not Over ...

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    Excellent job, FH. They either honor the original settlement by the 12th or that's it. See you in court.

    I assume you will not cancel the next hearing date unless you have check in hand and deposited in the bank, right?

    I actually hope they don't follow through, so the judge will really ream them. Still cannot believe they say those things in the courtroom.....

    Good luck and we'll be waiting for the conclusion!
    Filed Business Chapter 7: 7/11/07
    341 Meeting: 8/8/07 Asset Case
    US Trustee reviewed case/resolved 9/14/07
    Discharged: 10/11/07 Closed: 11/2/08

    Comment


      So glad to hear the judge reopened your case, FH!

      This credit union must have a death wish. I almost hope they try to ride it out again just to hear how much more they will have to cough up into your pocket!

      Enjoy your holidays. The credit union is under the judge's thumb yet again....couldn't happen to a more deserving group of thieves!!
      I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

      06/01/06 - Filed Ch 13
      06/28/06 - 341 Meeting
      07/18/06 - Confirmation Hearing - not confirmed, 3 objections
      10/05/06 - Hearing to resolve 2 trustee objections
      01/24/07 - Judge dismisses mortgage company objection
      09/27/07 - Confirmed at last!
      06/10/11 - Trustee confirms all payments made
      08/10/11 - DISCHARGED !

      10/02/11 - CASE CLOSED
      Countdown: 60 months paid, 0 months to go

      Comment


        That is great news FH!! It was nice to see that the judge sorted out the games that the attorneys played and zeroed in on the exact issue: sanction. Enjoy your holidays...You are in control. Though, I think that the credit union and their attorney were not the brightest stars in the skay, lol

        Too bad, too sad for them
        sigpicPersevere: "To continue a course of action, in spite of difficulty, opposition or discouragement."

        Chapter 13: Discharged 03/15/2010. Closed 05/19/2010::yahoo::yahoo::yahoo::yahoo::yahoo:

        Comment


          As my boyfriend would say, "You have HAND!" hehehe... Still rooting for you here!
          Chapter 13 Filed "Old Law"
          Filed: 6/2003 Confirmed: 3/2004
          Early pay off sent: 10/05/2007 - 9 months early
          11/16/2007 - Discharged!

          Comment


            I'm so proud of you for hanging in there.

            It will be over soon and if not, you will just end up with more of their money.
            ~Chapter 13 "Old Law"~ per NDC SITE
            Filed: 6/04 * 341: 7/04 * Confirmed: 10/04 * Case Closed: 4/09 * Discharged: 6/09 *

            Comment


              Hey there, everyone! Well, we went to the attorney's office last night at 7:45 and signed the final settlement papers. It's been notorized and our side is completely good to go. The cover letter the CU's lawyer sent says that checks (checks?) have been ordered and once they are finalized, representatives from both sides will meet to make the exchange.

              I asked why the cover letter said "checks" (plural) ... since our settlement is one amount. John's assistant said they had no idea ... and with this guy's history of spelling and grammer errors, it was probably just a typo.

              In any case, the notorized settlement document states the correct amount ... and as long as somebody shows up with a check in *that* amount, all will be right with the world.

              The judge's decree says that both sides have until December 11th to finalize the settlement or enter another plea ... so ... knowing how this thing has gone, I don't expect them to exchange the check until Monday, the 10th.

              There IS a light at the end of the tunnel ... I'll be back online as soon as I get the call.

              HUGS and Happy Holidays!
              ~~~~~~~~~~~~~~~~~~~~
              Filed Chapter 13 - March, 2003
              Discharged - April, 2007

              Comment


                YAY!!! Congrats, and good for you, sticking to your guns like that!
                Filed CH7 - 10/13/05;
                341 Meetings: 11/28/05, 3/20/06, 12/4/07 (3d time's a charm!)
                Converted: 2/15/06 (to CH13), 10/15/07 (Back to CH7)
                DISCHARGED: 2/15/08

                Comment


                  good job hanging in there. Let us all know when the "checks" are delivered. LOLOL I bet they come in on the am of the 11th. LOL

                  Comment


                    FH - Call me skeptical, but I will believe it when you say you both 1) have the checks in hand and 2) they are cashed without bouncing.

                    I certainly trust that you are definitely going back to court if no checks received by the 11th........

                    Keep us posted.
                    Filed Business Chapter 7: 7/11/07
                    341 Meeting: 8/8/07 Asset Case
                    US Trustee reviewed case/resolved 9/14/07
                    Discharged: 10/11/07 Closed: 11/2/08

                    Comment


                      Personally, I think I would take the check(s) to the credit union and cash them there and then deposit the cash in your account. he he he
                      I used to have a life, now I have grandkids.

                      Comment


                        Originally posted by Granny View Post
                        Personally, I think I would take the check(s) to the credit union and cash them there and then deposit the cash in your account. he he he
                        I love it!!!!!
                        Filed Ch 7 2/21/08
                        Discharged 6/5/08!!!!

                        "Dogs are not our whole life, but they make our lives whole."~ Roger Caras

                        Comment


                          I'm with you Boscoe ... I'll be skeptical until the check has CLEARED and the cash is in my account. These guys don't play nice. Oh ... and yes ... if this doesn't go through, we are GOING to court and let the judge decide what's fair.

                          I hadn't thought about it, but that's a very good idea ... I SHOULD go to the CU and have them cash their own check(s). It's the 5th ... and that means there is four business days before the December 11th deadline. I maybe should call Timothy this afternoon ...

                          Tick tick tick ...
                          ~~~~~~~~~~~~~~~~~~~~
                          Filed Chapter 13 - March, 2003
                          Discharged - April, 2007

                          Comment


                            FH - It is Friday afternoon, 4PM on the East Coast. Tuesday is only 2 business days away.

                            No news yet? Not even a "We'll talk on Monday and settle this then?"

                            They are really rollling the dice here. I hope they blow it off and have to face Judge Judy on Tuesday or Wednesday!
                            Filed Business Chapter 7: 7/11/07
                            341 Meeting: 8/8/07 Asset Case
                            US Trustee reviewed case/resolved 9/14/07
                            Discharged: 10/11/07 Closed: 11/2/08

                            Comment


                              I see a Master Card Commercial...

                              Originally posted by Granny View Post
                              Personally, I think I would take the check(s) to the credit union and cash them there and then deposit the cash in your account. he he he
                              Does anyone see a mastercard commercial here???

                              Replacement car $xxxx
                              Attorney's fees $xxxx
                              Look on the face of the Branch Manager as he hands me $xxxx= PRICELESS

                              I'm also in Illinois, and have been following this story, I hope things finally come to an end here for you, and you can enjoy the holiday and new year. I'm in awe of your patience in this nightmarish situation.

                              Comment


                                I spoke with Timothy (the assistant) this morning ... they received a check in the right amount at their office today. They're just double checking to make sure they don't have to do anything further (contact the court first, etc.) before they release it to me. He said everything's alright ... his boss (our attorney) wants to make sure that we are officially DONE before we cash the check and finish the deal. Part of me wonders if they're doing this to make THEM sweat a little ... haha

                                In any case, he said they would try to get it wrapped up and call me this afternoon ... and it's 4:54 and no call yet. But, keep in mind that we've been called as late as 7:00 ... plus they work all weekend.

                                So ... stay tuned ... I'll be back with further (hopefully final) information and details. Almost there ...
                                ~~~~~~~~~~~~~~~~~~~~
                                Filed Chapter 13 - March, 2003
                                Discharged - April, 2007

                                Comment

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