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Trustee finally recommended confirmation!

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    Trustee finally recommended confirmation!

    Pacer shows the trustee finally recommended my plan for confirmation today, it finally feels like I can just relax and make my payments!

    Obviously the judge still has to sign it, but from what i'm told he signs all the recommended confirmations.

    For anyone that was following me at all I had an objection that my car payments were $300/mo too high (total). I managed to contact the lender and work out a loan modification on the vehicles to lower the interest rate and extend out the term to lower the payments by $200/mo. That along with an additional $100/mo in expense reduction was acceptable to the trustee.

    Oddly enough, while all this was going on my wife lost her job and was forced to take a lower paying job. The end result was the exact same chapter 13 payment except with different numbers to get there.

    Just wanted someone to tell, no one else knows we filed so I thought I would tell you guys!
    Filed CH13 - 06/2009
    Confirmed - 01/2010

    #2
    If the Trustee agrees to a plan, the Judge rubber stamps it. This is by design. Only contested confirmations require a Judge to actually "rule" on them.

    Congratulations.
    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.

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      #3
      We're really happy for you, forgotten! What wonderful news to start the new year off right! Congrats - now it's just make those payments on time and do your best to stay under the trustee's radar. You're rolling now!
      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

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        #4
        Forgotten I understand your not telling anyone completely... A few very close family members know I filed but that is it... I dont want to talk about my financial fiasco with anyone and its no ones business really.... So, I like you come here to socialize with my bk forum friends and get some great advise on issues I just dont understand. Thank goodness for this forum !!!!!
        Those who live in glass houses should not throw stones
        Chapter 13 filed 10-21-09
        Discharged 4-13-15

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