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    #1

    Phew

    As you all know I filed June 30...long story....lawyer kept messing my stuff up..
    Case finally got discharged early March and got CLOSED March 20!!
    YEAH!!
    I have a few questions...Does the bankruptcy court and or trustee look at your case once it is filed?
    Do they watch you?
    Will I receive anything in the mail stating it is closed?
    when can you starte rebuilding your credit?
    My husband wants me to get a card and have him as the co signer. But I am a domestic engineer ( mommy)
    We did not file together. This was all my debt before we met.
    FILED June 30, 2008
    DISCHARGED March 5, 2009
    CLOSED March 20, 2009
    Tags: None
    #2
    Congrats on the new start

    There is no case closed letter, you will get a Final Decree in the mail for the discharge .

    It really depends on credit, as hard as it is now it might not be possible. You might have to get a secured card or something. I suppose you can try. First I'd make sure to pull your credit report in 2 months and make sure it is reflecting correctly.
    May 31st, 2007: Petition Filed by my lawyer
    July 2nd, 2007: 341 Meeting Held
    September 4th, 2007: Discharged and Closed.

    Comment

      #3
      Congrats on making through your 'rocky road' of BK. You hung in there and it paid off! Congrats again! Enjoy your new start!
      May 2008 Hired 1st Attorney/Stopped paying CCs
      May 21, 2009 Retained 2nd Attorney
      May 28th - Filed for Ch 7 (FINALLY!)
      9/11/09 - DISCHARGED!!!!

      Comment

        #4
        Wow! Congratulations! Now its time to celebrate!
        Filed CH 7 9/30/2008
        Discharged Jan 5, 2009! Closed Jan 18, 2009
        I am not an attorney. None of my advice is legal advice in any way..

        Comment

          #5
          Thank you!!!:d
          FILED June 30, 2008
          DISCHARGED March 5, 2009
          CLOSED March 20, 2009

          Comment

            #6
            Originally posted by crazycrew77 View Post
            Case finally got discharged early March and got CLOSED March 20!!
            Congrats!!

            Does the bankruptcy court and or trustee look at your case once it is filed? Do they watch you?
            I assume you meant "once it is closed". After a bk is discharged and closed, trustees will watch for unexpected inheritances for the 180 days after your filing date. Otherwise unless something comes up that makes your trustee suspect fraud in the original filing, you're done.

            Will I receive anything in the mail stating it is closed?
            Yes.

            when can you starte rebuilding your credit?
            Immediately. The first thing to do is to start correcting errors on your credit reports from all three credit agencies.

            My husband wants me to get a card and have him as the co signer.
            You can try, but every hard inquiry from creditors checking your credit scores lowers your scores a bit. Don't go overboard applying all over the place. Best to wait at least a few months after discharge, then try a local or store card that you didn't file on first.
            Last edited by lrprn; 03-24-2009, 11:52 AM.
            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

              #7
              Congrats!

              The day your case was closed mine was filed! Praying i can make it to the end.
              FILED CH7: 03/20/09
              341: May 11th, 2009
              DISCHARGED: July 13th, 2009

              Comment

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