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    #16
    Originally posted by CtheLight View Post
    That's great news!
    I'm curious how you got the plan shortened since you said you were paying 0% to unsecured creditors. I would have thought they'd make you pay the full term so at least some unsecureds got paid.
    Either the OP had below median income so was only required to be in the plan for 48 months if s/he could pay secured claims in that time, or the unsecured creditor did not file a claim, so all s/he had to do to complete the plan was pay secured claims, attorney and trustee fees.
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

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      #17
      Originally posted by LadyInTheRed View Post
      ....or the unsecured creditor did not file a claim, so all he had to do to complete the plan was pay secured claims, attorney and trustee fees.
      Yup, this part is correct. No claim was filed so it was just IRS, FTB, attorney and trustee who are getting paid.

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