I'm only in a 40% payback plan, but somehow when they modified my plan midway through (was originally at 70% payback but husband's back went out plus diabetic neuropathy in his legs so he had to go on disability which drastically affected our income) somehow the numbers didn't work out right so we would have owed a couple thousand still at the end of 60 months so the trustee's office told us that we could either come up with the difference before the 60 months ended or extend the plan past 60 months and finish paying it off at the regular $400/month, so we chose to extend our plan. But then even after the plan was paid off and the Chapter 13 data center switched status to PENDING REVIEW they kept making deductions for 3 more months until I emailed the trustees office asking them if I could stop making payments since I'd overpaid by $1200 already and they said not until they finished reviewing the case but then I got a stop wage order from them about 5 days later, so apparently they just weren't paying attention until I brought it to their notice? When I got the wage garnishment stop letter Saturday it said it'd be about 6-7 weeks before the case closes/discharges at which point I'd get back the overpayments, if any, but surprise again, I got a check from the trustee yesterday for $1200 so checked the CH 13 datacenter again this morning and it said "PAID IN FULL", woo-hoo! So I'm thinking that the discharge might be in 3-4 weeks since I also saw that they charged me a "notice fee" so I'm guessing that they sent out the paperwork to the creditors giving them 21 days to object to discharge although I'll need to check PACER to be sure.
But anyhow, my point was before I started rambling that you can go past the 60 month timeframe even if not in 100% payback.
And CONGRATS to scht65!!!
But anyhow, my point was before I started rambling that you can go past the 60 month timeframe even if not in 100% payback.
And CONGRATS to scht65!!!
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