Filed 13 three years ago . Never missed a payment . Things have improved drastically since divorce . I want to buy a house soon . Need bk discharged first . My bk att . said I owe around 5000 to discharge . I put a pencil to it . I've paid over 12 , 000 already . I know friends that have filed 11 and 7 . They are done already . I didn't do my research before filing . Live and learn . How do I get out of this mess ?