First let me say thanks to all for being so kind in this matter and helping all you can. I have been reading like crazy for over an hour on everything I can find in post of others so maybe I can see where I can help myself! Correct me if I'm wrong about what I'm going to say. FIRST, My chapter 13 is supposed to be removed after 7 Years, HOWEVER they really have 10 to do it. correct? Can I ask nicely for them to remove it? SECOND, If I can even get to a human, do they have the athority to remove it since it has been over 7 years? And how quick can they remove it? instantly or will it take a month even if they could. AND if they can and will. Can I get them to send or fax a letter stating that they are removing it. Thanks Again STAR
It was my understanding a Chapter 7 discharge deletes after 7 years and a Chapter 13 comes off 7 years AFTER you make your final plan payment. Why? Because you only receive a Chapter 13 discharge after successfully completing the plan. This is where the 10 years comes from for Chapter 13. Most plans are 3 years in duration although they can be as long as 5 in which case the deletion time runs longer respectively. If someone on the forum has heard differently, please jump in.
i filed chap 7. it is 10 years for a chapter seven and 7 for a chapter 13. it will be 10 years in jan for me. Believe me its 10 long years.
