Hi,
We filed 3/31/2010 for a 60 month CH 13. We made all of our payments to the trustee on time and made our last payment 3/2/2015 (yep it was a bit early, but I was anxious). I called the trustee, who said our case would be reviewed in April. April 1 we began to stalk the mail woman. 4/6/15 we received a "Notice of Final Cure Payment" in the mail. After we did a happy dance for a bit, my husband and I had a good old time reading the document and the silly legal jargon over and over and it was a good ol' time.
It states "Within 21 days of the service of this Notice, the creditor must file and serve same on the Debtors, Debtors' counsel and the Trustee, pursuant to Federal Bankruptcy Rule 3002.1(g), a Statement indicating whether it agrees that the Debtor has paid in full the amount required to cure the default and whether, ........blah blah blah...."
It states that they served the notice to our mortgage company. So, now we wait 21 days for them to respond.
I was expecting to receive the paperwork from the Trustee to sign stating we took our 2 classes and that we don't owe any child support. Will that come after the 21 days? On NDC our case states "Active". I do not have a Pacer account, but need to find out how to get one. I read about an additional 30 days for creditors to object from Lady in Red. Is that part of this 21 days or a different waiting period?
It has been a tough 60 months. We had to modify our plan at one time to surrender our investment property, we had our attorney disappear off of the face of the earth, and had to pay a new one to take on our case, and we fell behind on our mortgage payments post petition (but were able to get caught up during our plan and are current now).......so I have a lot keeping me up at night worrying about how this will all shake out with our discharge, and whether we have more problems to deal with with our mortgage afterward. We did a 2nd lien strip, which I hope in the end will work out to put us in a position of equity in our house. That is the plan, anyway, if we don't have trouble for the period of time we were behind on payments.
I have read though other's posts, and am of course curious to know when it will all be over for us and we receive the discharge papers. We are in Denver district.
I plan on calling the attorney to ask if there is anything else we can be doing to expedite the process.
Any information from other's experience would be appreciated as far as timeline after completion of payments in Denver until Discharge. Also, how likely is it that the mortgage company will hassle us for the time when we were behind on payments to them during our plan? I just really want to close this chapter of our lives and start fresh. It has been a lonnnnnggggg 60+ months.
Waiting, waiting, waiting.....
We filed 3/31/2010 for a 60 month CH 13. We made all of our payments to the trustee on time and made our last payment 3/2/2015 (yep it was a bit early, but I was anxious). I called the trustee, who said our case would be reviewed in April. April 1 we began to stalk the mail woman. 4/6/15 we received a "Notice of Final Cure Payment" in the mail. After we did a happy dance for a bit, my husband and I had a good old time reading the document and the silly legal jargon over and over and it was a good ol' time.
It states "Within 21 days of the service of this Notice, the creditor must file and serve same on the Debtors, Debtors' counsel and the Trustee, pursuant to Federal Bankruptcy Rule 3002.1(g), a Statement indicating whether it agrees that the Debtor has paid in full the amount required to cure the default and whether, ........blah blah blah...."
It states that they served the notice to our mortgage company. So, now we wait 21 days for them to respond.
I was expecting to receive the paperwork from the Trustee to sign stating we took our 2 classes and that we don't owe any child support. Will that come after the 21 days? On NDC our case states "Active". I do not have a Pacer account, but need to find out how to get one. I read about an additional 30 days for creditors to object from Lady in Red. Is that part of this 21 days or a different waiting period?
It has been a tough 60 months. We had to modify our plan at one time to surrender our investment property, we had our attorney disappear off of the face of the earth, and had to pay a new one to take on our case, and we fell behind on our mortgage payments post petition (but were able to get caught up during our plan and are current now).......so I have a lot keeping me up at night worrying about how this will all shake out with our discharge, and whether we have more problems to deal with with our mortgage afterward. We did a 2nd lien strip, which I hope in the end will work out to put us in a position of equity in our house. That is the plan, anyway, if we don't have trouble for the period of time we were behind on payments.
I have read though other's posts, and am of course curious to know when it will all be over for us and we receive the discharge papers. We are in Denver district.
I plan on calling the attorney to ask if there is anything else we can be doing to expedite the process.
Any information from other's experience would be appreciated as far as timeline after completion of payments in Denver until Discharge. Also, how likely is it that the mortgage company will hassle us for the time when we were behind on payments to them during our plan? I just really want to close this chapter of our lives and start fresh. It has been a lonnnnnggggg 60+ months.
Waiting, waiting, waiting.....
Comment