top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Discharged

Collapse
X
Collapse
 
  • Page of 1
  • Filter
  • Time
  • Show
Clear All
new posts
Previous template Next
    #1

    Discharged

    I made my last Ch. 13 plan payment in November of 2009 and was warned to prepare to wait up to a year for discharge. Today I went home on my lunch break and grabbed the mail, and there it was...our discharge! I am in stunned disbelief, and the happy tears haven't stopped flowing.

    For those of you only part way through or just begininng the Ch. 13 journey, hang in there, you can do it. There were so many times I wanted to give up, it wasn't always easy. But we made it. All in all it has been six years...the longest six years of my life. The relief of having this behind me is overwhleming - in a good way. I am more than ready to go celebrate and enjoy my new beginning!
    Tags: None
    #2
    Congratulations!

    Comment

      #3
      why did/does it take so long to be discharged after making all the payments? 5 years is enough of a sentence, and I agree, they are the longest years of your life being under this deplorable plan.

      Comment

        #4
        Congratulations!! You should be sooooooooooo proud of yourself. Getting through these years are very difficult and to complete a Chapter 13 plan is phenomenal!
        Filed Chapter 13 02/2006 - Confirmed 05/2006 - Discharged 09/2011
        I'm not an attorney. My replies are merely suggestions or observations, not legal advice. As always, consult with an attorney before making any decisions.

        Comment

          #5
          Wow! Congrats! Like that old saying: Tomorrow is the first day of the rest of your life!
          Filed Chapter 13 4/14/10
          341 Scheduled for 5/26/10
          Plan Confirmed 9/17/10

          Comment

            #6
            Awesome! Congrats! I love hearing success stories!
            Filed Chapter 13 on 2-28-10. 341 completed 4/14/10. Confirmed 5/14/10. Lien strip granted 2/2/11
            0% payback to unsecured creditors, 56 payments down, 4 to go....

            Comment

              #7
              Seriously, congratulations! As a former Chapter 13 Debtor, I understand what it's like to go through a Chapter 13. You should be proud of yourself.

              Again, 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.

              Comment

                #8
                Originally posted by Hos75 View Post
                why did/does it take so long to be discharged after making all the payments? 5 years is enough of a sentence, and I agree, they are the longest years of your life being under this deplorable plan.
                My district just happens to be notoriously slow/backlogged. It has been especially difficult because we have been waiting to put our house on the market for the past three years. Unfortunately it proved to be too difficult and costly for us to seek the trustee's approval to do this during our plan. The wait for our discharge flat out sucked, but the feeling I have today after holding that paper in my hand made it all worthwhile. Who knows how the house thing will go in this market/economy, but I finally feel free

                Thank you for all the warm wishes!

                Comment

                  #9
                  Fantastic! There's nothing we love more than another....

                  Ch 13 Discharge Party!!!

                  Bring on the balloons and confetti!! Congratulations for making it all the way to the finish line successfully!

                  Enjoy your new financial start - you've earned it a hundred times over!
                  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

                  Previous template Next

                  bottom Ad Widget

                  Collapse
                  Working...
                  X