Expediting Ch. 13 Discharg

[lrprn]

That "etc." is what I would like to know about.

"The Final Account is the trustee's post distribution statement and includes a certification, submitted under penalty of perjury, that all funds have been disbursed consistent with the dividend distribution report and that all checks have been negotiated, or any remaining estate monies have been paid into court, and that the estate has been fully administered. The case trustee shall submit to the United States Trustee all necessary financial documents to support the Final Account." (http://www.usdoj.gov/ust/eo/rules_re...ou99/index.htm)

How "thorough" are typical final audits? I mean, in addition to ensuring creditors are paid according to the original plan/claims, do they go back and look at what has happened over the last 3 years? Like salary changes, inheritances, divorces, purchases/new debts incurred.

Not this thorough. Mostly the trustee makes sure that all monies taken in have been disbursed as agreed and that all your creditors that filed claims received what they were supposed to receive.

I guess I am asking, how do they find out about financial changes during chapter 13, other than looking at a credit report?

You are supposed to tell your lawyer about financial changes who in turn tells your trustee (although which kinds of changes and the degree of changes that should trigger the conversation varies from trustee to trustee and from district to district). If your trustee did not provide a list of what he/she expects to be told about, ask your lawyer what your trustee needs to be told.

[GoingUnderInNV]

City Girl,
Oh, and lefty,....you can request the trustee to allow you to pay the bk monthy directly to the court in the form of money order.

What CindyLynn said... I've been paying by money order since Day One, and nobody ever suggested payroll deductions. I agree, that would look bad had I been forced to do so.

[Elf]

Yeah!!!!!

That was quick!!!!

[CA3kids]

City,
I stress about 13 because:
1) I am a financial "professional" and will need to inform employer for payroll deduction.
Lefty

Check with your lawyer - our trustee (in California) recently changed to allow direct payment through a billpay with our bank, so no payroll deduction is required. There actually was a place on one of the forms for us to *choose* whether or not we wanted payroll deduction!