What is this money for or is it going to be a refund to me?

Sure would have helped if you said that you filed a Chapter 13, so I don?t have to guess about how to answer your question. If your final payment was made in your chapter 13, the next step is for the trustee to audit your case to make sure all the claims were paid according to your confirmed plan, and that the creditors who were paid cashed the checks sent to them. Many times, the creditors will move without informing the court, so the trustee checks never get cashed. Pretty funny. After the audit, a final report and accounting will be issued. If there still is a balance on hand, you will get a refund check. To get your discharge, you will need to have filed your financial management certificate with the cover sheet and file a Certificate of Compliance. The Certificate of Compliance needs to be noticed and served on your creditors and the notice and certificate of service also needs to be filed.

Why not just call the Trustee's office and ask about it? Those offices are often helpful. I think the key question is whether the $1,100 was received by the Trustee within 60 months to the day from the date of your first payment. That should be a total of 1825 days (of 1826 if you count the leap year).

If the trustee has a balance at the end of the case it should be paid back to you.

It probably will be refunded to you.

It could be refunded to you if not required by your plan.