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so are we done or not?

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    so are we done or not?

    I check pacer all the time and my lawye is pretty worthless. We filed in March 2009. We had the 341 meeting and we had our case change from no asset to asset. On pacer it has a sircharge of debtor page saying
    It appearing that the debtors are entitled to a discharge,
    IT IS ORDERED:
    The debtors are granted a discharge under section 727 of title 11, United States Code, (the Bankruptcy Code).
    BY THE COURt

    but then a month later it has a trustees interim report that says filed 3/6/09
    341 meeting 4/8/2009 claims bar date 8/14/09 Date Of Final Report (TFR): May 31, 2010 Current Projected Date Of Final Report (TFR): May 31, 2011

    and then this as another document

    The trustee has reported to the Court the recovery of assets which may permit the payment of partial/additional dividends to
    creditors.
    IT IS ORDERED AND NOTICE IS HEREBY GIVEN that any creditors who have not heretofore filed claims herein may now file
    claims, with appropriate attachments on or before:
    DEADLINE DATE: 8/14/09
    For Governmental Units: 11/12/09
    Claims filed after the deadline will not be considered for allowance.
    The Proof of Claim form is enclosed with this Order. It may be filed by regular mail. If you wish to receive proof of its receipt by the
    Bankruptcy Court, enclose an additional photocopy of the Proof of Claim together with a
    with a self−addressed stamped envelope. There is
    no fee for filing the Proof of Claim.


    so, from what you have seen, are we done or not? i just want this to be over with..i am already getting credit card offers and thought we had to be done before they could even send them.
    Last edited by texas1882; 10-06-2009, 12:13 PM.

    #2
    why can't they just use plain english? seriously...
    Filed: 6-7-2010 341: 7-15-2010 DISCHARGED: 9/17/2010

    Comment


      #3
      My interpretation (which may or may not be correct ) is that you have received the discharge, but the case is still open while the trustee collects the non-exempt assets and distributes them to the creditors. The creditors have to submit a proof of claim in order to receive anything from the trustee.

      You are no longer liable for the debts, since they have been discharged. If you have turned over the non-exempt assets to the trustee, then it seems like you are done, but the case is not done, if that makes sense.

      As far as the CC offers, I've looked at a few posts in the "Rebuilding Credit" section, and it seems like some CC offers are sent even before the discharge!
      Filed 10/1/2009
      341 Meeting scheduled 11/6/2009
      Last day for objections 1/5/2010

      Comment


        #4
        Thanks so much! Hope your right

        Comment


          #5
          Sounds like you're an asset case. You're done. The discharge is all you need. The trustee is taking something and selling it to partially pay some of your creditors. This just delays closing, but that means nothing to you. All you care about is getting a discharge, which you have.
          Filed Chapter 7 08/06/09, unsecured debt of $109,000
          341 Meeting 09/09/09
          Discharged 11/12/09
          Closed 12/14/09

          Comment

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