We....are....discharged!

[IamIrene]

Five years!!! WOW!!! BIG congratulations! I have huge admiration and respect for you (and ALL of you who go through chapter 13)! Monumental success!

Best wishes for your future!

[Freddy03]

Congrats!!!!

[IamOld]

Wow!!!! Best wishes and congratulations!!!!!!!

[forgotten]

congratulations! You give me hope that I too can make it the whole 60 months!

[BNKRPTinNC]

Well done.

[nickofthedes]

Big Congrats!!!

[jmh]

lrprn,

Looks like we're in the same club. Did you take a snapshot of your pre-discharge FICO & credit scores, so you can do a before/after comparison? I haven't run mine in a year but will probably do it this in the next week or so while I'm waiting on the actual discharge.

[mdl]

What do you mean "stay under the radar"?

[lrprn]

What do you mean "stay under the radar"?

Don't rock the boat with your trustee by doing something voluntarily that causes your trustee to look closely at your case again and think, "Hey, these filers could have more disposable income now." (Gulp!)

Unfortunately involuntary stuff can often happen that can put you back on your trustee's radar. Other than having an ample emergency fund in place, there's not much you can do to avoid those nasty financial surprises that will inevitably come along over the years of your plan. Think large required home or car repairs, major illnesses, changes in family status (job loss, divorce, death), etc. These events may require modifying your plan or even converting to Ch 7. That puts you on your trustee's radar too, but in these cases when you disposable income is impacted enough that you can't make your Ch 13 payments on time any longer, that's unavoidable.

[lrprn]

Thanks for the well-wishes, fireworks, dancing critters, and cheers, everyone! Much appreciated!!

[Scott13]

Congrats lrprn!

After our discharge, I built a fire pit and burned old CC statments & paperwork that were all included in our BK13.

A great feeling.

[tbon]

CONGRATS LRPRN!!!!!!! sigh~ I'm right behind you!! hope to be done by the end of the year, on a 100% payback 5 year Chap 13 myself!!

[shellbell]

Woohoo!! Congrats!!!!!!!!!!!!!

[PoGirl]

YAY! Congratulations!

[minan]

Congrats. WOOOOHOOOOO for you! Appreciate all your help when we started on our 13 journey. Hard to believe it's been over a year already. 43 months to go. Your case is an example for us to stay upbeat as there are some down days when things so hopeless. These are less often now that we have been confirmed. Don't think we'll feel more comfortable until at least the half-way mark. But enough about us..THIS IS ABOUT YOU! SO HAPPY FOR YOU!