Just found this forum as my spouse and I approach the end of my our 5 year chapter 13 plan. 2 more payments then it’s over. Joined to learn tips on rebuilding post discharge.

We completed a 5 year Chapter 13 bankruptcy. Our HELOC was not included in the repayment plan. When I reached out to the bank after discharge they would not work with me to set up payments. The account has been "charged off" but it is still on the books and the collections department wants...

hello,

I filed a chpt7 back in October 2021 will be receiving my discharge soon. i have a vehicle loan i reaffirmed with Navy Federal and a credit card with navy federal that i included in BK. my qiestion is, if i pay back the credit card after discharge what are my chanced of getting approved...

Hi. I filed BK7, discharged in 2012. Did not reaffirm my 2 mortgages, both were with Bank of America, then they sold the 2nd mortgage last year to Select Portfolio Services.

I'm now refinancing. Bank of America gave a Verification of Mortgage to the new loan processor but Select Portfolio...

I filed BK back in 2018. At the time I owed Toyota Fiancial 25,XXX. Per my lawyer I was told that due to the vehicle being so new I would have to pay 100% of the agreement to Toyota. I also have a loan through Santander for a vehicle. Owed 18,XXX at filing date. Santander saying if I’m dismissed I...

Checking on PACER for the first time ever, wondering if anyone can help me understand?
Chapter 7, Asset: No
Vol: v
Date filed: 01/14/2020
Date of last filing: 02/19/2020
STATUS: “awaiting Discharge”
BEGIN DATE: 01/14/2020
TIME IN STATUS : 66 days
#:...

I have so many questions and concerns right now that I don't know where to start.

We're in Baton Rouge, and last week our house was flooded (about 17 inches of water throughout the house and no flood insurance because we are nowhere near a flood zone), as well as both cars. One car was...

It's over! It's over! We did it! 60 long months and we're done! Logged onto the CM/ECF database - I've been checking every few days since we made the last payment/took the financial management courses/sent in all the necessary paperwork - and it's done! Discharged!!! I can't believe it...

I am so relieved. My story began 5.5 years ago with a trustee’s audit, a ‘Presumption of Abuse’ and a Dept. of Justice Audit thanks to an inexperienced BK lawyer. It’s a long read but I can’t imagine anyone going through this gauntlet again so I chose to share the major lessons I learned...

Gotta give a shout out to the folks at the Alabama Middle District. My housing situation made waiting 30 days for the discharge paperwork untenable. A phone call on day 61 got me to the clerk, who got me to the supervisor, who got the judge to sign off on ours ASAP. Printed it off of PACER this morning....

Had my 341 meeting today for my chapter 7 BK Filing, thank god it's over's. Went well.
Arrive at 9 am waited almost 1 hour for the trustee to arrived.
My name on the list was last on the first page.
Name was called trustee ask to verify the information is current, is that my signature....etc....

I'm approaching 5 years and I don't remember the exact point in which the 60 months starts. I filed on 7/2, was confirmed 8/1, 341 meeting was 8/20. I'm in Massachusetts and am not in a 100% payback. Assuming I've now made all 60 payments, at what point should I instruct the attorney to file for the...

Hi,
We filed chapter 7 BK in 2/2011, our debt was discharged in 6/2011. Our case finally closed in 12/2013 because our trustee died and they had to assign the case to another trustee which took time to get him up to speed, pay our creditors and finally close our case.

We had several...

If this has been thoroughly answered elsewhere, my apologies. I completed a 5yr 100% ch13 with discharge in Oct. 2012. Filing date was Aug 2007. The last time I checked my scores, they were pretty good, but the BK was still showing. I read that the BK will come off the reports 7 yrs after filing for...

Hey everybody, document 41 on pacer says DISCHARGE.

And I quote
"B18W (Form 18W) (08/07)
United States Bankruptcy Court
District of Nebraska
Case No. 10−8*****
Chapter 13
In re
Debtor(s) (name(s) used by the debtor(s) in the last 8 years,...