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Finally discharged and a few questions

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    Finally discharged and a few questions

    Well, 6 months after my attorney got my plan payments to stop and 3 months after my case was listed as completed I finally got my discharge.
    It has been a long five years. I am curious now, though. Since I am discharged am I now financially free or do I have to wait for my case to officially close(which my attorney's secretary told me will take several months)? I will need to apply for a mortgage by summer 2011 and want as much time to rebuild my credit as possible before then. Aso, does the court send notice of my discharge to my creditors? There is some wrong info on my credit reports(2 loans paid off 100% during my plan that are listed as having no payments made). Or, should I wait a few months and file disputes. Thanks for any input.

    #2
    The discharge is your emancipation proclamation -- you're free at last! (Closing the case is pretty much an in-house, trustee-paperwork function, as long as nothing was falsified or fraudulent for him/her to 'discover' in the process).
    As for notification to creditors, it likely went out at the same time the discharge did to you. It certainly won't be long in following -- but the creditors, by now, know where the timeline stands, anyway.
    The CR 'cleaning up' can be frustrating -- you sometimes have to deal with the same issue multiple times -- but there's no reason not to start now. Just make sure that the discharge is showing in the public-records sections.
    You've completed the hard part. Congratulations, and good luck!

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