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Discharged !!! WooHoo!!

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    Discharged !!! WooHoo!!

    received the official discharge papers in the mail yesterday
    Oct 4, 2004 to Sep 8, 2009

    Now the time to get it all removed from the CR

    Does anyone know if I need to report to the CRA with letters and copies to get it removed

    My attorneys Legal Assistant said they will mail out to all of the creditors, but would wonderd if it would help also coming from me
    60 Month "Old Law"
    Filed 10/4/2004
    Confirmed 1/2005
    Discharged 9/8/2009

    #2
    the court has already updated your credit report for you I am sure. My discharge posted within hours.

    All you have to do is update your accounts to reflect "discharged" and not Included in Wage Earner Plan anymore. (you can't legally "remove" them unless they are older than 7 years)

    but other than that, the court has notified the bureaus of your discharge already.

    and congratulations!!!!!

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      #3
      Congratulations on your discharge!!
      Filed: 5/22/07; 341 Hearing: 6/27/07;
      Confirmed: 8/13/07; DISCHARGED 4/17/2012

      Comment


        #4
        Wow, another Chapter 13 discharge! Congratulations!

        Old School (pre-BAPCPA), but still a discharge!
        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.

        Comment


          #5
          Just what we love here.......it's another......

          Chapter 13 Discharge Party!!

          Congratulations on finishing your plan! Way to go!
          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


            #6
            Congrats. I am curious though, since I am also waiting it seems like forever in Pittsburgh for my discharge. How long from when you got your completion letter to discharge?

            Comment


              #7
              Waiting for discharge took quite awhile. My attorney had me make extra payment in Oct and Nov 08, and my payroll deductions stopped the first week of January. I had thought discharge would come a little sooner, but there were some challenges from one of the creditors.

              The trustee sent the completion letter late July or Early August, so it was just about 1 month, maybe just over.

              I am just so glad it is over. I do not plan to go hog wild on credit, but I can now start with purchasing my home. CRedit never was my problem in the first place, just bit off a little to much when it came to car payments, and then had a loss of income and savings. Looking back I sometimes think 7 would have been better, and let me have an earlier start

              Thanks for all the well wishes and good luck to all!!
              60 Month "Old Law"
              Filed 10/4/2004
              Confirmed 1/2005
              Discharged 9/8/2009

              Comment


                #8
                Originally posted by justbroke View Post
                Wow, another Chapter 13 discharge! Congratulations!

                Old School (pre-BAPCPA), but still a discharge!
                I dont understand, does being old school discharge make it last significant
                60 Month "Old Law"
                Filed 10/4/2004
                Confirmed 1/2005
                Discharged 9/8/2009

                Comment


                  #9
                  Originally posted by crookedoak View Post
                  I dont understand, does being old school discharge make it last significant
                  To me it makes it more significant. It's like pre-historic. It's like... so 1990's, so retro, so... chic and cool.

                  (I think I'm just trying to be "hip". I thought that the term "Old School" was a term of respect these days. Perhaps I'm not hip.)
                  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.

                  Comment


                    #10
                    Congrats on your discharge!!!
                    May 2008 Hired 1st Attorney/Stopped paying CCs
                    May 21, 2009 Retained 2nd Attorney
                    May 28th - Filed for Ch 7 (FINALLY!)
                    9/11/09 - DISCHARGED!!!!

                    Comment


                      #11
                      OOOOOHHHHHHH BOY: Two so far and I'm still scanning.

                      Here is your Official (unofficially) Dance of Victory.

                      Grats for a long but worthwhile freedom.

                      http://video.google.com/videoplay?do...1868978665655#
                      If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

                      Comment


                        #12
                        My 3rd Discharge Congrats in one day wow an amazing day!! Congrats!
                        Filed Chapter 7 June 4 ~ 341 July 20 ~Last day of objections Sept 18~Discharged/Closed Sept 21

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