Getting Somewhere!

Ok, so we did get a letter of Plan Confirmation from the Trustee, but there was some confusing info pertaining to the amount we've already paid toward the plan. The letter stated $0 had been paid, but that couldn't be correct, else our case would have been dismissed a long time ago.

I sent an e-mail to the paralegal and addressed my concerns:

We received Confirmation papers from the trustee, but some of the language leaves us with questions.

*It would appear the Trustee is saying that $0 has been paid on our Plan
*There was also something in reference to $#### for attorney's fees and $#### for filing fees or something of that nature - I do not have the papers with me at the moment, so I'm probably not relaying my concerns 100% clearly - we thought our Payment Plan covered both of these costs.
*You left us a message prior to receiving the confirmation papers and you said we were all paid.

Can you help to explain some of the above concerns, and also give us an idea as to where we stand at this point in time? How many more Plan Payments do we have?

She e-mailed back:

Everything is fine. It is just a standard letter confirming the terms. You are correct attorney fees are going to be paid through the plan. That is a good thing that the case is confirmed. Nothing for you to do. Just put to file.

Okay, so how much do we really owe? When we last heard from the paralegal, she said we were all paid and our case would be ready for discharge. We went around and around for a few days and finally, on Friday, I called because we got a letter in the mail stating there was a hearing scheduled for the Plan Confirmation with very short notice, and I needed to speak with someone to make sure we did not have to be there. She told us we didn't need to go to the hearing. While I had her on the phone, I asked about our account balance, and we finally got the information we were looking for.

We are not all paid, but that's fine. It was kind of surprising to us that we could have been all paid, so we didn't immediately get our hopes up. Technically, we still have 6 more plan payments, but now that the plan has been confirmed, we are free to make a lump sum of the remaining balance. And that is what we will do. When the next plan payment is due, we will make a payment in full and then we will be on the way to discharge!

If all goes as planned, the next post should be something about the case being closer to discharge.