hi all. i've been reading and lurking here for a bit. just venting now, waiting for our discharge. 
we filed Ch 13 in 2009 after much deliberation. my spouse had a failed small business that turned into personal tax liabilities. we chose an attorney with a lot of experience and he put us at ease. we felt like we made the right decision. looking back now, in some ways these almost 5 years passed by faster than i thought they would. when we filed, 2014 seemed like an eternity away. somehow we made it through - even with my getting laid off in 2010 (i found another job, thankfully), and with my spouse changing careers in 2012.
we made our final payment in mid Nov, which was disbursed Dec 11. the creditor hasn't processed the funds yet. our mortgage co has until Jan 2 to respond to the Final Cure letter. my spouse and i filed our certifications that we completed the financial course and his domestic support obligations on Dec 19. our attorney says we did all that we were required to do. our trustee's office hasn't started the audit yet (as of last Thurs). i wish the last creditor would process the payment, as i'm assuming the audit can't begin until that happens. someone at our trustee's office told me on the phone in Nov that the discharge would take 6-8 weeks from their receipt of our final payment. i asked her to clarify - received? or disbursed? she said received. our attorney told me we'd get our discharge in Jan. i hope so. i've been successful so far not checking PACER obsessively. i'm also thinking things are moving along real slow right now due to the holidays. i'm trying really hard not to think negatively, but i do worry that something will go wrong and we won't get our discharge.
anyway, thanks for letting me vent, if you're still reading.
we filed Ch 13 in 2009 after much deliberation. my spouse had a failed small business that turned into personal tax liabilities. we chose an attorney with a lot of experience and he put us at ease. we felt like we made the right decision. looking back now, in some ways these almost 5 years passed by faster than i thought they would. when we filed, 2014 seemed like an eternity away. somehow we made it through - even with my getting laid off in 2010 (i found another job, thankfully), and with my spouse changing careers in 2012.
we made our final payment in mid Nov, which was disbursed Dec 11. the creditor hasn't processed the funds yet. our mortgage co has until Jan 2 to respond to the Final Cure letter. my spouse and i filed our certifications that we completed the financial course and his domestic support obligations on Dec 19. our attorney says we did all that we were required to do. our trustee's office hasn't started the audit yet (as of last Thurs). i wish the last creditor would process the payment, as i'm assuming the audit can't begin until that happens. someone at our trustee's office told me on the phone in Nov that the discharge would take 6-8 weeks from their receipt of our final payment. i asked her to clarify - received? or disbursed? she said received. our attorney told me we'd get our discharge in Jan. i hope so. i've been successful so far not checking PACER obsessively. i'm also thinking things are moving along real slow right now due to the holidays. i'm trying really hard not to think negatively, but i do worry that something will go wrong and we won't get our discharge.
anyway, thanks for letting me vent, if you're still reading.
What a GOOD way to start the NEW YEAR, and YOUR New Start! 
lol! thank you!
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