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How to Get a Chapter 13 Bankruptcy Discharge

Updated: Jul 11, 2023

Completing a Chapter 13 Bankruptcy case is no easy task! Below is the process and procedure to wrap up your case to receive your discharge in the Western District of Michigan. It’s important you pay attention to these steps so that you receive your discharge. Note that these steps have been simplified for understanding and any legal questions should be addressed to the attorney assisting you with your legal matter.

Step 1: Once you have completed your Plan payments, the Trustee will issue a “Notice of Plan Completion”. It is very important that you do NOT stop making payments until you receive this notice, even if you think your plan is done. If you have a wage order or automatic payments set up, the Trustee will stop these payments automatically. You do not need to take action to stop payments yourself or contact your attorney. If any extra payments are made, these will be reimbursed to you when the case is closed.

Step 2: If you had a mortgage while in your Plan, even if the mortgage was paid separately, the Trustee will file a “Notice of Mortgage Payment Cure” for the mortgage company to respond to regarding whether your mortgage payments are current. Once the mortgage company responds (this can take up to 30 days), you will move on to Step 3. If you do NOT have a mortgage, you will jump to Step 3.

Step 3: The Trustee will complete a final audit of your case. This includes making sure all of your payments have been received and that all payments from the Trustee to creditors have been cashed. If any creditors have NOT cashed their payments from the Trustee, this could cause a delay.

Step 4: Assuming all is fine with your audit, the Court will then issue a “Domestic Support Obligation Certificate”. Your attorney will send you a copy of this document with a return envelope and instructions. You should return this to your attorney as soon as possible to speed up the process. If you have not completed your 2nd credit counseling course, this will also need to be completed at this time, your attorney will let you know if this needs to be done.

Step 5: After all of the above has been done, the Court will issue the final “Order of Discharge”. This is the document that discharges the applicable debt in your bankruptcy case! The Court will also eventually issue a “notice of closure” for your case. If any payments have been overpaid to the Trustee, the Trustee will return these funds to you.

If you have paid off a vehicle or mortgage during your bankruptcy case, these lien releases should come through a few weeks after your bankruptcy case is closed. If you have not received these within a few weeks, you can call the company to receive these documents.

Congratulations! Completing your bankruptcy case is no easy feat!

Attorney Allison Greenlee Korr handles cases in Kalamazoo, Battle Creek and all surrounding counties, call today for a consultation. 269-381-4471


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