Important Steps to Secure Your Chapter 13 Bankruptcy Discharge: Guidance from a Denver Bankruptcy Attorney

Nearing the end of a Chapter 13 bankruptcy plan? As a trusted Denver bankruptcy attorney, the following is a general guide on the final steps to ensure you receive your bankruptcy discharge. To successfully complete your Chapter 13 plan and obtain your discharge, all Plan payments to the bankruptcy trustee must be timely paid in full, and secured creditors in the Plan (e.g., mortgage or car loan lenders) must be paid on time. Even a small shortfall or late payment—by just a few dollars or days—could result in the denial of your discharge. Consider the following steps to protect your financial fresh start.

Action Steps to Ensure Your Bankruptcy Discharge

1. Verify Your Account Status with Secured Creditors 

Contact your mortgage company and other secured lenders in writing to confirm that your accounts are current. This includes verifying that you’ve paid any additional fees they may have charged related to your bankruptcy, such as costs for filing a proof of claim. Request a written statement from each lender confirming your account is up to date.

2. Stay Ahead on Payments 

To avoid any last-minute issues, we strongly recommend staying one month ahead on both your Chapter 13 plan payments to the trustee and your payments to secured creditors (e.g., mortgage or car loans). Maintaining this buffer until your discharge is granted will help ensure you meet all requirements, even if unexpected delays or fees arise.

3. Contact your Attorney with Questions 

Always contact your attorney 4 to 5 months before the end of the Plan to make sure you are on tract to receive your discharge.

Why These Steps Matter

Under 11 U.S.C. § 1328, the bankruptcy court requires strict compliance with your Chapter 13 plan to grant a discharge, which eliminates eligible debts and completes your bankruptcy case. Missing even a single payment or failing to address lender fees could jeopardize your discharge, prolonging financial stress. By staying proactive and working with your Denver bankruptcy attorney, you can avoid these pitfalls and secure your fresh start.

You’re Almost There!

Reaching the final months of your Chapter 13 plan is a significant milestone. With just a few steps left, you’re on the verge of achieving debt relief and financial freedom.

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Considering a Chapter 13 bankruptcy? Contact our experienced Denver bankruptcy attorneys today for personalized guidance. Schedule a free consultation with Martin Long of LONG & LONG P.C. by calling 303-832-2655 or visiting Denver Bankruptcy Lawyer | Centennial Chapter 7 & 13 Bankruptcy Attorney | LONG & LONG P.C. . We’re here to help you navigate the U.S. Bankruptcy Court for the District of Colorado and achieve your financial goals.

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