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    #1

    Discharged!!!

    Checked PACER this morning and they entered the Discharge late yesterday! I am sooooo happy! I can't believe it is over. One damper on it though. My mortgage co never accepted my last 2 payments so now I am waiting for a reinstatement figure so we can get all caught up. I should have it by Friday. We will pay them up asap and then the last 6+ months of worrying and waiting will finally be over!

    I am doing my happy dance anyway though!
    Tags: None
    #2
    SOOOOOOO HAPPY FOR YOU.......

    Did you reaffirm on you house? Be sure you get that taken care of quickly.......... reaffirms are supposed to take place before discharge.......?????

    Also I was under the understanding that you had to be current on mortgages, etc if you were keeping them under chapter 7.....???

    Something doesn't sound right here!!!!

    Tell me more,
    Minny

    "It's amazing the paths that our feet sometimes follow in life".

    My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

    Comment

      #3
      Congrats!!!
      A huge burden is lifted.
      What a great feeling it is.
      Enjoy your new financial freedom.
      Filed Chapter 7 on 5-11-07 :aggress:
      341 Meeting on 6-13-07 :yes2:
      Discharged on 8-23-07 :yahoo::yahoo:
      Closed on 10-10-07 :D

      Comment

        #4
        Thank you!

        My attorney never had me reaffirm. I filed in May... was current. Paid June. And then they wouldn't take July and August. I was hoping to just be able to call this week and pay up everthything but now I have to get a reinstatement figure to bring it up to speed.

        Don't worry... I am on it. I have left messages for 3 days in a row now and I was told I should have the figure by Friday. My attorney is in the know too and says as long as I pay the past due by the time they give I should be all set.

        Comment

          #5
          Congratulations
          May 31st, 2007: Petition Filed by my lawyer
          July 2nd, 2007: 341 Meeting Held
          September 4th, 2007: Discharged and Closed.

          Comment

            #6
            That's great news, stay on top of it and then keep it current.......
            Minny

            "It's amazing the paths that our feet sometimes follow in life".

            My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.

            Comment

              #7


              GONGRATS!!!!
              Sarah H Owosso, MI
              WE DID IT!! PRO SE
              Filed 7/30/07 341 meeting 9/20/07 60 DAY CLUB 11/19/07!!! :yahoo::yahoo:
              DISCHARGED!!! 11-26-07:yahoo::yahoo::yahoo: CLOSED 12-06-07 :yahoo::yahoo:

              Comment

                #8
                Excellent! Another happy discharge! Congrats and enjoy your new financial start!
                I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

                06/01/06 - Filed Ch 13
                06/28/06 - 341 Meeting
                07/18/06 - Confirmation Hearing - not confirmed, 3 objections
                10/05/06 - Hearing to resolve 2 trustee objections
                01/24/07 - Judge dismisses mortgage company objection
                09/27/07 - Confirmed at last!
                06/10/11 - Trustee confirms all payments made
                08/10/11 - DISCHARGED !
                10/02/11 - CASE CLOSED
                Countdown: 60 months paid, 0 months to go

                Comment

                  #9
                  congratulations.....enjoy the evening ....you've worked hard to get to this point in the bk...
                  success in your future....
                  case filed : 6 -5-2007 :blush2:
                  DISCHARGED ...9-26-2007..:yahoo::yahoo:
                  case closed : 11-13-2007 :yahoo::yahoo:

                  Comment

                    #10
                    ::
                    Great to hear FrankiesMom! Wishing you well on a debt free future!

                    Comment

                      #11
                      Originally posted by Minnymouth View Post
                      SOOOOOOO HAPPY FOR YOU.......

                      Did you reaffirm on you house? Be sure you get that taken care of quickly.......... reaffirms are supposed to take place before discharge.......?????

                      Also I was under the understanding that you had to be current on mortgages, etc if you were keeping them under chapter 7.....???

                      Something doesn't sound right here!!!!

                      Tell me more,
                      I work in the loan resolution/foreclosure department for a sub-prime mortgage company... maybe I can help answer the question.

                      All that happens when one of our mortgagers files BK, is everything halts. Once BK is completed or discharged, everything just picks up where it left off. I'm pretty sure you can't sell a house *while* you are in BK, but you could be elegible for a short sale after. We have 26 different options at our company to help people avoid foreclosure... including short sales, deed in lieu, cash for keys, etc. If someone wants to reinstate their loan after a BK, we're thrilled!

                      Hmmm.... I did all that typing, and I'm not really sure if I answered the question. I need to go to BED!

                      Comment

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