My lawyer just called to tell me I’ve been officially discharged and my Ch.7 is closed. Just made arrangements for Foursight to come pick this car up and I look forward to breathing a little easier.
Quick question. Has anyone had creditors continue to report late payments after filing? How have you handled the correction? I read that they won’t automatically go back and correct the info on the credit reports. I had a perfect payment history all the way up to filing and now certain accounts are saying 90+ past due, but it’s all after my filing date.
For info: filed 9/29/25 341 11/12/25 Discharged 1/13/25 State of Texas
This was a painless process. Also for anyone who needs to hear this, shop around until you find a lawyer willing to help. The first lawyer I consulted with basically told me I wouldn’t pass the means test and to wait 6 months to file. The 2nd lawyer told me that some lawyers just want easy cases. He worked with me to complete my schedules and helped me with the addendum that basically said my income was inflated from summer bonuses and a temp extra job that was seasonal and ending right at filing. All in all everything worked out just like he said and now I sit here virtually debt free.
To GOD Be the GLORY!
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