$80,000 of debt gone! I can’t believe it! I was originally going to use Upsolve but their wait time was very long so I just did the research and filed myself since I had a very straightforward case. Not married, all consumer debt, no home, and my car isn’t worth much.
Here’s a timeline in case anyone was curious!
– Filed 10/27/2025
– Credit card accounts frozen 10/28
– Creditor calls stopped 10/30
– First filing fee payment 10/31
– Second payment 11/05
– Trustee asked for my statements, tax transcripts, identification copies 11/11
– Made last filing fee payment before the 341 meeting
– 341 hearing on 11/25- Trustee said I did very well on my own, I just needed to amend my schedule c since it was missing things from my schedule B. Confirmed she would close it as a no asset case. I submitted the amendment the same day.
– Took second debt management course & submitted certificate
– Discharged officially on 1/27/2026!! 🎉🎉
Currently I have one credit card with capital one with a $4,000 limit. I only use it for gas and groceries and it’s locked otherwise. Also, I have $3,000 saved up already and I hope to keep it up to buy a house in three years.
submitted by /u/renlotus
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