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Four Years Ago Today

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    Four Years Ago Today

    We filed Ch 13 four years ago today and have just one more year to go to successfully complete our plan. At times the years seem to be flying by, and at other times they seem to be crawling by Here's hoping our last year fits the 'flying by' category!

    The one constant for my husband and I over the last four years has been this forum. The support, the camaradarie, the virtual friendships, the great advice - they've been a lifeline more times than I can count.

    Just wanted to say a heartfelt thanks to everyone who makes this forum the special place it is - our admin Laz, our fabulous moderators, and our wonderful members. Together everyone creates and maintains a special oasis in a turbulent sea of financial troubles for thousands of people all across the country.

    Thanks to each of you for the time you spend here helping complete strangers - it's very special and it's been a privilege to watch it happen for the last four and a half years. Here's to starting year five and getting to June 1, 2011 - our finish line!
    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

    #2
    Yay you! It'll be over before you know it. I can't believe I'm coming up on my 1 year already!
    CH13 - filed 30 JUL 09, $1521 @ 60 mos (100% payback)
    Done!!! - 01 Jul 2014 I'm free!! Discharged 9/23/14!

    Comment


      #3
      I think you have it wrong. It is us who needs to thank you for all the work you do on this wonderful forum. Congrats to the year left! May it fly by!

      Comment


        #4
        Congrat's to you and your family. YOUR input has been invaluable. Thanks for all the information and encouragement you've given.
        Indiana Filed March 9, 2010;
        341- April 28, 2010;
        Confirmed May 25, 2010;
        $1,240 a month; 4 down & 56 to go

        Comment


          #5
          Phenomenal! I know exactly how you are feeling right now. (We just hit the "under 1 year" left mark) My tummy still gets in knots sometimes because we have made it so far and yet a layoff could still be possible, but this forum and caring folks like you keep my mind steady. Thank you for all you have done for all of us!
          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


            #6
            I hope your last year flies by!!! I'm envious, I can't wait til I'm in the same spot! I've still got 3 years left - yuck!

            Comment


              #7
              I'm just starting my CH 13 journey. I've learned SO much from this forum. MORE than anything the attorney told me. My first payment to the trustee will be mailed out on Friday! 1 down...35 to go! LOL!
              Filed CH 13 5/28/10
              341 Hearing 6/23/10 & 8/23/10/Confirmed 9/21/2010 36 months
              DISCHARGED 9/12/13

              Comment


                #8
                Thank YOU for sticking around and helping us newbies out! Telling us about your success through this is sometimes the only thing that gives us hope in what can be a very dark time. Were only a few months into this and hearing from people who have "been there, done that" really helps alot. So much of this process is left up to the filer to figure out on their own. I dont think I could have made it this far without people like you and the rest of this forum, and I'm only a couple of months into it.
                03/25/10: filed BK13, 05/05/10: 341 completed,
                06/24/10: confirmed (7% to unsecured)

                Comment


                  #9
                  This forum is definitely an invaluable source. God speed your final year.

                  Comment


                    #10
                    The forum, administrators, and mods have a good thing going here that has helped so many people (myself included).

                    Thanks to all that help to make it happen, and good luck on that final year lrprn.
                    All information contained in this post is for informational and amusement purposes only.
                    Bankruptcy is a process, not an event.......

                    Comment


                      #11
                      right there with ya lrprn....

                      Comment


                        #12
                        Wow, has it been that long already.

                        That probably makes you the only (or one of a very few) that has been on this forum for their entire chapter 13 (and completed chapter 13...sorry JustBroke, but you converted )

                        Comment


                          #13
                          Believe it or not, there is light at the end of that tunnel and you are in the home stretch. It will fly by and all your hard work and determination will pay off at the end, believe me.
                          _________________________________________
                          Filed 5 Year Chapter 13: April 2002
                          Early Buy-Out: April 2006
                          Discharge: August 2006

                          "A credit card is a snake in your pocket"

                          Comment


                            #14
                            Congratulations, lrprn, on this milestone. You welcomed me when I first joined in April of 2008, and I appreciated then and now, your very welcoming post. 'Hub and I are looking forward to being able to give you your very own Officially Unofficial Hamster Dance!!! We will be watching!!
                            "To go bravely forward is to invite a miracle."

                            "Worry is the darkroom where negatives are formed."

                            Comment


                              #15
                              Thanks for all the kind words and encouragement, my virtual bk buddies! Couldn't do this without you!
                              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

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