Is your Chapter 13 case close to discharge? Are you almost finished making payments? Learn what steps you’ll need to complete your Chapter 13 plan payment next.
Firstly, congratulations, you’re almost done with your Chapter 13 plan payment and now your wondering what to do next? That’s fine. We’ve heard this question on more than one occasion. Once your ready and you’ve completed your payments, your assigned Chapter 13 trustee will complete an entire review of your Chapter 13 case. He or she will go through your case and ensure you have successfully satisfied all the requirements listed in your “Order Confirming the Chapter 13 case”.
If you are wondering where to find the “Order confirming the Chapter 13 case” feel free to contact your attorney or the U.S. Bankruptcy Court. If you are one of our clients feel free to contact us, we will be sure to point you in the right direction and give you anything you need to complete this portion of your case.
Once you have successfully complied with the Order Confirming the Chapter 13 case, your trustee will then file his or her report of the completed plan. This process may take up to 60-90 days, however, there have been cases that the process takes less time or more time. It just depends on the current caseload of the trustee, not that they’ve forgotten about you.
After the report from the trustee has been filed, the U.S. Bankruptcy Court will mail you a form titled “Certification of Eligibility for Chapter 13 Discharge“. You will need to sign the Certificate of Eligibility for Chapter 13 Discharge and send this back. Be sure to through the complete discharge paperwork that has been mailed to you, and look for the signature areas that will be on the reverse sides of the pages.
If you have completed your second Counseling course, you will only need to sign the certification and mail or hand deliver the form to the U.S. Bankruptcy Court in Arizona at 230 North 1st Avenue #101, Phoenix, AZ 85003 (Google Maps). Once the Clerk of the Court receives the form, they will file the Certificate and within 30 days you will receive your discharge, which is the conclusion of your Chapter 13 bankruptcy case. If you have not completed your second counseling course, than you will need to do that as soon as you most possibly can. To schedule the Financial Management Course you can simply contact the same company you used for your first counseling course to complete this second course. If you are unsure who you may have used last time when you did your Financial Counseling, give us a call at (602) 262-4357 or contact us and we would be more than happy to provide you with this information.
Sometimes we may be looking at the end before we even start at the beginning. If you’ve landed on this page and what to know more about Chapter 13 vs Chapter 7, Schedule a FREE Consultation and speak to our Board Certified by the American Board of Certification and certified in Creditors Rights Laws attorney today! We know the laws and once we speak to you and learn more about your specific case, we’ll know how to help you with your Chapter 13, Chapter 7 or Chapter 11 Bankruptcy!