Chapter 13 Discharge - Your Plan Payment is Complete

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.

Chapter 13 Discharge - Your Plan Payment is CompleteFirstly, 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!

  1. March 14, 2017

    I have filing for charter 13 around 6 or 7 Yr ago I finish but after that I did take the class. So what I need to do

    • March 14, 2017

      Hello, thank you for reaching out to us. It may be best for you to contact our office and speak to an attorney about your specific issue in more detail. Feel free to call us at (602) 262-4357 so that we can speak to you about this. Thanks again.

  2. April 10, 2017

    Will I get back any money I over paid

    • April 18, 2017

      Hello, it would be best if you contact our firm at (602) 262-4357 so that we can speak to you directly about your concern. Thank you.

  3. June 11, 2017

    Hello. We will be making our last chapter 13 bankruptcy payment this month. I just learned by accident that my Attorney has been suspended. What does that mean for my case?

    • June 12, 2017

      Thank you for reaching out to us! It would be best if you contact our firm at (602) 262-4357 so that we can speak to you directly about your concern. Thank you.

  4. June 11, 2017

    We are close to finishing our chapter 13 plan. We were on a five year plan, with 60 payments. Do we discontinue making the payment after our 60th one has been posted, or do we have to continue until we are discharged?

    • June 12, 2017

      As long as you confirm that you have successfully completed the 60th month, you should be able to stop further payments. Confirm with your assigned trustee or contact your attorney if any.

  5. July 6, 2017

    My chapter 13 was complete the end of june this year .The payments autmaticly come out of my check will they stop on their own or do i have to cotact my attorny to have the payments stopped

    • July 12, 2017

      Thank you for reaching out to our firm. To properly assist you with your question please contact us directly via email at consults@wesbrookslaw.com or by phone at (602) 262-4357.

  6. July 12, 2017

    What happens once you receive the stop payment from the Trustee? I called and they said my final payment had been processed and was closed. Once they send it to the court, it could take 30-45 days to receive discharge papers. I’m just curious as to what takes place once my closed case is sent to the court? What information do they review other than ensuring I’ve made all payments in a timely manner, taken both classes and completed the DSO?

    • July 13, 2017

      Thank you for reaching out to our firm. To properly assist you with your question please contact us directly via email at consults@wesbrookslaw.com or by phone at (602) 262-4357.

  7. July 25, 2017

    I am not one of your clients, but the information on this site was really helpful. I am in my 55th month and I am on my way to completing the program. I do have questions, but I will refer to my attorney because my trustee does not take calls/questions from the bankruptcy debtors. Thanks

  8. August 3, 2017

    My husband is at his 50th month of payments on his Chapter 13 bankruptcy. Is there anything different regarding his bankruptcy within this time frame? Does the trustee re review anything in his last year?

    Does he need to do anything different than the previous years?

    • August 19, 2017

      Hello, and thank you for reaching out to us. It may be best to contact us at (602) 262-4357 so that we can properly discuss your questions with one of our qualified attorneys. Thanks again.

  9. November 29, 2017

    I received a letter stating my case was paid out. What is the next step

  10. June 16, 2018

    I made my last payment this month I received a letter today wanting me to pay back 51 percent is this normal

    • July 8, 2018

      Hello, please contact our firm and we will be able to help any questions you may have. You can call us (602) 262-4357. Thank you!

  11. July 16, 2018

    I received an “Order Of Discharge under 11 U.S.C 1328a is granted…So confused does this mean we are finished with our chapter 13???

    • August 5, 2018

      Hello, thank you for reaching out to us. The best way to get the best answers to any of your questions is to contact us directly. Please call us Monday through Friday at (602) 262-4357 to speak to an attorney. Thanks again.

  12. July 17, 2018

    Chapter 13 trustees notice of plan completion and if applicable request for order terminating the employee wage deduction order what that means

  13. August 3, 2018

    what happen if my income grow 20,000 after finish my 60 month payment in chapter 13.

    • August 5, 2018

      Hello, thank you for reaching out to us. The best way to get the best answers to any of your questions is to contact us directly. Please call us Monday through Friday at (602) 262-4357 to speak to an attorney. Thanks again.

  14. September 28, 2018

    What happen if I finish my bankruptcy 13 on the 26th of this month and I received something that saying that I still owe and my attorney filed for a continuance how do this work why am I still owning and I work with the plan

    • October 24, 2018

      Hello, thank you for reaching out to us! Feel free to call us at (602) 262-4357 to speak to one of our attorneys about your particular question. Thanks again!

  15. November 4, 2018

    What happens to veterans affairs back pay that is sent to chapter 13 trustee. Will I get that money. I thought it was exempt.

    • November 7, 2018

      Hello, thank you for reaching out to us! Feel free to call us at (602) 262-4357 to speak to one of our attorneys about your particular question. Thanks again!

Write a comment:

*

Your email address will not be published.

logo-footer

                

The Wesbrooks Law Firm, PLLC has a broad service area with locations in both Arizona & Texas. Our Attorneys serve Phoenix, Scottsdale, Mesa, Peoria, Tempe, Chandler, Avondale, Glendale, Prescott, Paradise Valley, Tucson, Flagstaff, Maricopa County, Yavapai County, Coconino County and Pima County. Please visit our website concerning our services we offer in Austin, Texas. Disclaimer: The information provided on www.wesbrookslaw.com is not legal advice. No attorney-client or confidential relationship is or should be formed by the use of this website. IRS Circular 230 Notice: To the extent that this website concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.