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Love Letter from the Trustee - Granny, you might be interested

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    Love Letter from the Trustee - Granny, you might be interested

    I saw the return address on the envelope that said "Standing Chapter 13 Trustee" with his name and address. I hadn't checked mail in a week and when I have to admit my stomach turned up in knots when I saw that letter in my mail box.

    When I got into my apartment - after feeding my demanding hungry cats - the second thing I did was open that letter up thinking, "Oh sh!t. What did I do now? Or didn't do? Or need to do?"

    I almost cried. CRIED! I may have this framed.

    In bold letters at the top were the words:

    CONGRATULATIONS on completing your Chapter 13 plan!

    Oh my God! It was weird. I was holding my breath so I was able to breathe, I felt a weight lift off, and then a rush of emotion.

    The letter went on to say that in 30 to 60 days I will receive a letter that is a "Notice to Discharge Trustee" (or something like that, I don't have the letter in front of me right now.) It then wished me well on starting my fresh start at a new financial life. The last line, again in bold, said, "Again, congratulations on completing your chapter 13 plan!"



    It's weird. In my mind, I see something and I go immediately to worst case scenario. When it may not even be that bad. When I picked up my boyfriend at his friend's house I told him I feel like framing that letter. AND discharge papers! hehehe...

    BTW, my boyfriend's comment? "What a nice way for you to start off the new year - with your bankruptcy discharge." I almost cried again. I'm so emo!
    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!

    #2


    Sorry, I got sorta carried away asI fet your glee !!!
    I WOULD frame those two emotional "love letters", why not? They represent a very important time in your "PAST"

    My feelings run to worry, worry, "OMG as I slowly open letters of that type trying to delay and contain my emotions. I felt your trepidation when I read the subject line.......weird huh?

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    All into your wallet now!

    Congraulations!

    Miss Posh
    P.S. tried my best to post pic and NOT link
    Giddy with excitment as the end is HERE!

    Filed 9/18/03~341 10/18/03~Confirmed~11/18/03
    Final Discharge~6/24/08

    Comment


      #3


      HATS OFF TO YOU!!!!

      MISSION ACCOMPLISHED........................


      Be PROUD, you have accomplished what many can't seem to do for one reason or another...................

      Now, remember where you HAVE BEEN, and look forward to WHERE YOUR GOING.......

      Enjoy your new "fresh start" - and make it work for you!!!!

      Ya Done Good - Girl.................
      Minny

      "It's amazing the paths that our feet sometimes follow in life".

      My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

      Comment


        #4
        I am so happy for you. It will be a great feeling if my chapter 13 standing trustee says that to me. On the site today, they did disburse all 1200 BOH to the creditors and it says 6 months to go. Congratulations!!! It is worth framing with such hard work to make it to the end.

        Comment


          #5
          CONGRATS!!

          Comment


            #6
            Congrats, CHP!!

            Here's hoping the Audit goes smooth, Discharge is swift, and Close comes quickly so you can begin the New Year with a New financial life!!
            Filed Ch 7 - 09/06
            Discharged - 12/2006
            Officially Declared No Asset - 03/2007
            Closed - 04/2007

            I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

            Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

            Comment


              #7
              Originally posted by chpxiii View Post
              CONGRATULATIONS on completing your Chapter 13 plan!
              No sweeter words were ever printed on paper.

              I am so happy for you to finally have reached the finish line.

              You enjoy your new life, not to mention the extra disposable income.

              And thanks for the heads up on what to expect. I've got almost 1 year down, only 4 more to go.
              I used to have a life, now I have grandkids.

              Comment


                #8
                Congratulations!!!!!!
                ~Chapter 13 "Old Law"~ per NDC SITE
                Filed: 6/04 * 341: 7/04 * Confirmed: 10/04 * Case Closed: 4/09 * Discharged: 6/09 *

                Comment


                  #9
                  I LOVE IT! Time to break out the noisemakers and confetti.....it's another Ch 13 party!!

                  Congrats, chp - we are all so proud of you! You made it over the finish line - time to breathe again and enjoy that fresh new start you've worked for so many years!
                  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


                    #10
                    Originally posted by chpxiii View Post
                    I saw the return address on the envelope that said "Standing Chapter 13 Trustee" with his name and address. I hadn't checked mail in a week and when I have to admit my stomach turned up in knots when I saw that letter in my mail box.

                    When I got into my apartment - after feeding my demanding hungry cats - the second thing I did was open that letter up thinking, "Oh sh!t. What did I do now? Or didn't do? Or need to do?"

                    I almost cried. CRIED! I may have this framed.

                    In bold letters at the top were the words:

                    CONGRATULATIONS on completing your Chapter 13 plan!

                    Oh my God! It was weird. I was holding my breath so I was able to breathe, I felt a weight lift off, and then a rush of emotion.

                    The letter went on to say that in 30 to 60 days I will receive a letter that is a "Notice to Discharge Trustee" (or something like that, I don't have the letter in front of me right now.) It then wished me well on starting my fresh start at a new financial life. The last line, again in bold, said, "Again, congratulations on completing your chapter 13 plan!"



                    It's weird. In my mind, I see something and I go immediately to worst case scenario. When it may not even be that bad. When I picked up my boyfriend at his friend's house I told him I feel like framing that letter. AND discharge papers! hehehe...

                    BTW, my boyfriend's comment? "What a nice way for you to start off the new year - with your bankruptcy discharge." I almost cried again. I'm so emo!
                    Congrads yeah!!!!!!!!!!!
                    *Filed Chp 7 bk 11/13/07 PRO SE :yahoo::yahoo:[x]
                    *Last day to Objection 02/19/2008 :yahoo: [x]
                    *DISCHARGED 2/25/08!!:cry::yahoo: CLOSED 2/29/08
                    TransUnion 538 Experian 519 Equifax 531

                    Comment


                      #11
                      Chpxiii:

                      When you were describing how you felt when you saw that letter from the trustee, my stomach was doing flip-flops, lol. What a nice letter to receive. Congratulations again!
                      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

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