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Finalizing the Chapter 13 Case

So you have completed your final payments in the chapter 13 or about to make your last payment. What’s next? First, you need to make sure you have completed your second credit counseling course and that you have submitted your Certification re Domestic Support as further discussed below:

Upon receipt of the final payment, the trustee will begin the accounting process. About 2 months after your final payment has been processed, the trustee will issue an “Interim Final Report” of accounting. Creditors have a month to object to the accounting.

About the same time as the Interim Report, the Court will send out a document titled “Chapter 13 Certifications Regarding Domestic Support Obligations, Section 522(q) and Eligibility for Discharge” that you will need to review. Check off a couple of boxes, sign and return to us for filing with the court. After that has been filed, and the month has passed since the Interim Report. You can receive your discharge and your case will complete.

By now you should have also completed your second credit counseling course.  Usually this course is done right after filing.  Call our office if you are unsure this has been done.

Please note, that this is a general timeline and these are estimates only.  Absent extraordinary delay we cannot expedite the process.

Written by Michael G. Doan

Owner of the Oceanside Bankruptcy Attorney office, Michael not only manages his business, but is also a highly skilled San Diego Bankruptcy Attorney with over 20 years of experience. He specializes in many fields, such as: insolvency, bankruptcy, consumer rights, debt negotiation, creditor collection abuse, estate planning, contracts, real estate, and tax. Michael is currently concentrating his practice solely in Bankruptcy Law and is a Board Certified Specialist in Consumer Bankruptcy Law by the American Board of Certification, one of only fourteen such attorneys in all of California. Mr. Doan also practices on the cutting edge of bankruptcy law, and was the first attorney in the entire Southern District of California to file the very first Chapter 7 Bankruptcy and very first Chapter 13 Bankruptcy under the new Bankruptcy Laws which went into effect on October 17, 2005.