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Finally Closed!

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    Finally Closed!

    15 months after I filed, my case is finally closed!!!!

    There's a certain amount of relief that comes from getting that single piece of paper in my hands. I still have more to deal with financially, but at least I don't have the BK court or Trustee looming over my head.
    Filed Chapter 7 (Primarily Business Expenses) 04/10/2008 FICO 468 :cry:
    341 on 05/06/08:unsure:House appraisal on day 63:blink: 07/10/2008 Discharged-Asset Case!!!:yahoo:08/09 Transu 559, Equifax 636, Experian 647
    Case Closed 07/15/2009 :D:yahoo:

    #2
    Wow, 15 months is a long time.
    Congrats and enjoy your new start!

    Comment


      #3
      Congrats belle

      I hope things start looking up for you
      May 31st, 2007: Petition Filed by my lawyer
      July 2nd, 2007: 341 Meeting Held
      September 4th, 2007: Discharged and Closed.

      Comment


        #4
        Congrats to you!!
        4/09 Converted to a Ch 7 due to loss in dh's income
        5/09 UST now involved no idea what happens next
        7/09 UST has decided to withdraw his motion to dismiss!
        7/27/09 DISCHARGED!!!

        Comment


          #5
          Congrats to you!!! I was discharged on 6/28/09 & still have not been closed. Can't wait

          Comment


            #6
            Hi 'Belle:

            You have had a particularly onerous time of it. Now it is DONE. That feat deserves a special round of our Victory Dance. CONGRATULATIONS!!! Here you go:



            "To go bravely forward is to invite a miracle."

            "Worry is the darkroom where negatives are formed."

            Comment


              #7
              Congrats 'Belle
              This has been a LONG road for you
              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


                #8
                I couldn't be happier for you, Belle! YOu've definitely had a rough ride, but it all turned out well in the end. Enjoy your well-deserved fresh 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
                  Does that mean that even though you are discharged, it's not really over until you are closed. I was discharged on 7/15. Oh, no. Did I do the Hamster Dance too soon?

                  Comment


                    #10
                    Originally posted by marie1260 View Post
                    Does that mean that even though you are discharged, it's not really over until you are closed. I was discharged on 7/15. Oh, no. Did I do the Hamster Dance too soon?
                    Discharged is not the same as "closed", if you have pending things like Taxes (as in 'Belle's case), complicated property issues and/or you are expecting a large tax refund that the Trustee has his eye on, this would cause a case to be discharged but still not "closed"
                    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


                      #11
                      Discharge is the real goal. However, we filed 12-28-07 the last fiscal work day of the year, however we employed 15 months before as it still stopped actions. We then had to insist on getting the dern thing filed. We are yet to be closed and was discharge 8-13-08 and still waiting on close. Life is good and we do not sweat the small stuff.

                      Remember, life is a b*tch and when it's over, you die. LOL. And so, our credo, happiness is a state of mind. You choose daily what you want, happiness or depression.

                      Grats Southernbelle. You've been around a long, long time. Please stay with us to help others.

                      'Hub and Mrs. C
                      If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

                      Comment


                        #12
                        hey, did marie1260 get her victory dance yet??
                        filed ch7 May 09
                        341 june 09
                        discharged, closed Aug 09

                        Comment


                          #13
                          Thank you. I love BK forum. I've learned so much and have had so much support from everyone. It's sooooo nice to know that I am not alone. Thanks for the help guys.
                          Hopefully, the Victory Dance will be in the not too far future.

                          Comment


                            #14
                            Hi Music12,
                            No. No victory dance for me yet. Got the discharge but case is still opened. Thanks for asking. I thought the discharge was the final cut, but just leaned that it ain't over till it's over and that means "CLOSED". I will continue waiting as patiently as I can.

                            Comment


                              #15
                              Thanks for the info Hub and Mrs. C. I am learning every day. Seems like just yesterday I didn't even know what PACER was. It's been a long haul. You've been such huge help. Everyone has.
                              I love this forum.....

                              Comment

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