17 months left yet website shows 9 months..

[chp13]

Well according to my Attorneys office, the Trustee agreed to let me finish the plan before the planned 60 months. I'm gonna cal them tomorrow to get the exact details. She did mention that some of the creditors did not file a claim, but according to the NDC website every single creditor did file a claim. I will follow up and post the info I'm given.

[LadyInTheRed]

I think that the NDC website shows all debts listed in your schedules, whether or not they filed claims. Look in the "scheduled amount" and "claim amount" columns. If the claim amount is zero, it is because the creditor didn't file a claim or the filed claim was not allowed.

[chp13]

I am glad to hear you are really finishing earlier than planned!

Just to clarify, the reason your plan is ending early is that after 7 more payments, you will have paid 100% of all of the claims that were actually filed by creditors, correct? If so, then it wasn't up to your trustee to agree or not agree that your plan would end early. A plan must end once 100% of approved (i.e., filed and not objected to) claims are paid.

OK just got off the phone with my Attorneys office. My base plan is 59%. But do to some creditors not responding, I will have reached 80% by the October payment. So as I understand our conversation, the trustees office will allow me to end the plan 7 months short of the original 60 month plan at the 80%. I have no idea why, but I won't question it. According to my math I will not be at 100% with any of the current creditors by October

Additionally, my Attorney told me he was initially contacted by trustees office with the offer, if you would call it an offer.

[LadyInTheRed]

OK just got off the phone with my Attorneys office. My base plan is 59%. But do to some creditors not responding, I will have reached 80% by the October payment. So as I understand our conversation, the trustees office will allow me to end the plan 7 months short of the original 60 month plan at the 80%. I have no idea why, but I won't question it. According to my math I will not be at 100% with any of the current creditors by October

Additionally, my Attorney told me he was initially contacted by trustees office with the offer, if you would call it an offer.

Interesting. I wonder if this is the same trustee as the person whose plan ended early without paying 100% and their attorney couldn't explain why. The attorney told them not to rock the boat.

[justbroke]

I have found that some Trustee will let you out early if you meet the plan base and are in the plan for at least 36-months. It really depends on the Trustee and/or the District.

Never look a gift horse in the mouth. At least, that's what they tell me.

[chp13]

Interesting. I wonder if this is the same trustee as the person whose plan ended early without paying 100% and their attorney couldn't explain why. The attorney told them not to rock the boat.

Might be. I asked her if I could send extra money in order to shorten the remaining months but she advised against it. She didn't tell me why but I could assume why.

[chp13]

BTW I'm located in the Souther California District

[LadyInTheRed]

BTW I'm located in the Souther California District

I searched for the thread about the plan that ended early to see if it might have been a Southern California case, but couldn't find it.

[spidge]

Could the filer being under or over median income effect the outcome of this scenario?

[chp13]

Could the filer being under or over median income effect the outcome of this scenario?

I'm over the median

[LadyInTheRed]

But, yes, being under median would make a difference. If income was under median, the plan can end any time after 36 months as long as arrears on secured debt, attorney fees and, I believe, priority debt, is paid 100%.

[dmc-2008]

Whos the trustee?

[chp13]

Whos the trustee?

I'm sorry, but at the moment, I'd rather not say.

[chp13]

Well, I just received a copy of a letter which was submitted by my Trustees office to the Bankruptcy Judge. "Post Confirmation Order Modifying Chapter 13 Plan" The "General unsecured creditors will receive the greater if 80%" box was checked. My attorney, Chp. 13 Trustee and Judge signed off on it... Looks like my end is alot closer then the original 60 months!! Woot woot!! Anyone familiar with this form/ procedure (Form CSD 2200)?

[justbroke]

That appears to be a local form (Form CSD 2200... e.g. California Southern District Form 2200). Congratulations!