Silly ? about deadline to object...

[ilovemycaitybug]

I know this sounds like a stupid question, but my Deadline to File an Objection to Discharge is 7/9/07 according to my Notice of Chapter 7 Bankruptcy Case. Does that mean that they CAN object on 7/9/07 or does it mean objections need to be made BEFORE 7/9/07? Is discharge immediately after that date or does that take time? And what if my auto finance company requested a hearing for our reaffirmation (my attorney is checking into why they did this)... that date is towards the end of the month. Will THAT delay our discharge? I'm just getting nervous now that we're coming into the final stretch

Thanks so much for your help!

[mattson06]

before 9/7/07

When the clock strikes 12am and it's 7/9/07 i'm dancing

[ilovemycaitybug]

I hope we both slide through the next few days without a hitch! I'm still worried about this auto reaffirmation deal... I hope it doesn't delay discharge!

If I would be awake at 12:01 am 7/9/07 I would be on here boogie-ing! (I hope!!!)

[mattson06]

hi

i'm sure it will work out for you and family put a smile on that face. i'm rootinf for you we will make it.

[SinkingFast]

Creditors have until the Court's close of business on the last day to file an Objection.

If your Court Clerk's office closes at 5:00 pm, local time, on 7/9, then that's the deadline for Objections.

[ilovemycaitybug]

Thanks SF I liked Matt's answer better, though... LOL! Don't want to get excited prematurely, though!

What do you know about the hearing on my auto reaffirmation? Will that delay the discharge?

[mattson06]

oh well

oh well,i guess i will have to call the clerk of court and give them all that day off then no one can file a claim on 7/9/07 i don't know much about reaffirming but i know it's opitional to do so. with no distribution case,i don't see how it would affect a discharge.

[SinkingFast]

The Reaffirmation Hearing shouldn't affect Discharge. They are really 2 separate issues.

But why did the Lender request a hearing?? Did you negotiate lower interest, reduced pay back, or some other type of loan modification??

[ilovemycaitybug]

The Reaffirmation Hearing shouldn't affect Discharge. They are really 2 separate issues.

But why did the Lender request a hearing?? Did you negotiate lower interest, reduced pay back, or some other type of loan modification??

Thanks! I hope not!

No, we did not request any modifications to the loan contract... just signed the reaffirmation agreement, sent it back to our attorney, and a little bit later it was posted on PACER with the signature of the finance company, our attorney, and us. I thought it was taken care of. My attorney's office is perplexed as well, they said they've never seen this happen.

[CindyLou]

I called the clerk last week in Louisiana to inquire about something regarding my brother's chpt 13 case. She told me that anytime there is a deadline, they have until midnight on the day of the deadline. In this case they could file all day on 7/9 up until midnight. The reason is they can file electonically and as long as it gets in before midnight on that day its valid. She also said that the only exception would be a private indiv. or small mom and pop business that doesn't have access to online filings could mail something in and it would go by the post marked date. BUT she said that is VERY VERY uncommon. Hope this helps. Good for your that this week was a holiday and many business are closed for 3 days!! The 9th will come and go before you know it!

[ilovemycaitybug]

Thanks CindyLynn! I do feel fortunate that we had a couple of holidays in my 60 day wait... crossing my fingers that the only hurdle we have is the auto reaffirmation! I'm hoping most creditors are not last-minute types and would have gone ahead and objected by now.

[juststupid]

Hope the 9th comes and goes with no objections and discharge is soon after.