Whata a normal time frame after last payment to receive your discharge and car title

[Ron55]

Just curious if anyone has finished a chapter 13 in arizona. We paid ours off last payment yesterday oh what a feeling it was to.
But curious how the turn around time is to actually receive the discharge after they receive the last payment and to receive our car title that was in the chapter 13. Any info would be appreciated.

thank you
Ron and Kathy

[Kuya]

Not really much help to offer, but I can say this:

After your last payment is made, or near that . . . it will go from Active status to "Audit". Audit means that they will simply go over all of the payments manually to ensure that everything was paid out in the way it was supposed to be paid, and that you paid in the correct amount. This takes about a month (for mine). Then, it suddenly went from "audit" to "Complete" just last week.

I spoke to a lovely (and shockingly nice) woman from Experian on the phone and she told me that it can be another 30 - 45 days before the credit bureaus are notified of the update.

(This I found out because even though my case is closed, I can still not get a car loan . . at least not one that I will accept, until the credit bureaus are notified of the case being closed. Currently they still see the BK as open.)

So, I would estimate about 2 months . . . maybe 3 until it is all taken care of . . from the last payment date.

Of course, I am in NY and not Arizona . . but thought maybe my situation might give some assistance ???

[Ron55]

Thanks that is what I have been told by others to so will just play the waiting game and we are like you need the title to our auto so we can trade it in for a more economical one.

[Kuya]

Ohhh . . you need to be discharged before you get the title? Here in NY, you get the title as soon as the car is paid off, even if it is in the BK13. I got my title 6 months ago . . but alas can't get a good auto loan until discharge, which has now finally happened. But . . now I got approved for 14%, but the dealer told me he can get me much lower once it shows "complete" on my credit pull. Right now the banks are seeing that it is still open.

Might get a better rate at Cap One Auto too . . . I have heard they are kinda BK friendly. But they told me the same thing. It's still showing open BK on credit pull. Come back when it shows closed on credit reports.

For me, I have paid the $14.95/month to get Experian Credit Monitoring so that I can be on point - at least until after I get an auto loan, then I will not have a need to monitor it so much . . . well, at least not at $14.95/month lol.

Shockingly, I was impressed that my CS was 675 out of the gate of BK13 AND they had my report in good shape. No disputes or wrong information.

Anyway . I am going on and on and on . .

Good luck! Few more months and we will both be in the clear.

[Ron55]

Yea you have to wait for discharge here to get the title to the auto. Our scores were not as good as your ours are from 590 to 641 but we can rebuild them as we go.