ePay is an approved method for making your chapter 13 plan payment by using your checking or savings account to make direct payments to the Trustee. In order to use this service you must have either an internet connection or touch tone phone, know your case number, last four digits of your social security number, your checking or savings account number, and have a valid email address. Please note that phone payments require the use of a checking account.
On the ePay login page, there is a link called “Password Help?” You will be asked for your Login ID and email address and the system will send you a temporary password to the email address associated with your online account. Once you receive that new password, enter it into the login page. You will then be prompted to change your password to one of your choice. When prompted to enter your old password enter the temporary password that you received via email to access your account.
Yes, once you are logged in, click on ‘Change My Password’ under the ‘My Account’ section to change your password. You will have to answer two of your security questions first and then enter your old password followed by the new password.
Yes, you will receive an email after scheduling a payment and an email once the payment has been processed. You will also receive an email if your payment has been returned due to insufficient funds in your bank account or if you entered an incorrect account number when scheduling your payment.
Payments made prior to 5:00 p.m. Central Standard Time, Monday through Friday (except Federal bank holidays), will be debited from your account the same day and will be posted to your bankruptcy case the next business day. It may take 2 – 4 business days for your payment to reflect on your online bank account statement.
There are several reasons why your account may become locked. Your account may become locked because of multiple failed login attempts. The Trustee reserves the right to lock your account and prevent a debtor from making payments through this service. The main reasons why the Trustee would lock an account include: a Non-sufficient Funds payment (NSF); a debtor placing a Stop Payment on submitted funds; or the conversion or dismissal of your case. If your account has been locked and you are still required to make payments, please send payments to our lockbox address.
The Routing and Account Numbers are located on the bottom of your check. The Routing Number is always a 9 digit number and appears to the left of your Account Number. DO NOT look for these numbers on a deposit slip, as the Routing Number may be different on that document. If you are unable to find your Routing Number and Account Numbers, please contact your banking institution for assistance.
It is very important that before you start this payment process you verify your bank account has sufficient funds to cover the transaction. If you submit a payment without having enough funds in your bank account to cover the transaction, the result will most likely be a Non-Sufficient Funds transaction. If this occurs, your bank account will be overdrawn and you may suffer consequences from your bank. In addition, the Trustee may lock your account preventing you from using the ePay system for the duration of your bankruptcy case.
This is done to prevent funds from being disbursed to the creditors in your case during the time when a payment could be returned as Non-Sufficient Funds (NSF). All funds received by this office are held for 10 business days for this reason. After that period, the funds are available for disbursement to your creditors.
This fee covers the cost for providing this service to debtors and the Trustee. The Trustee does not receive this money. You do not need to add the $1.50 fee to your payment when entering your payment amount; it will be added automatically and deducted from your bank account as part of your payment.
If your plan pays less than 100% to your unsecured creditors, you may be required to increase that percentage to 100% if you are seeking to pay off your plan early. Otherwise, it is unlikely that your plan can be paid off early. Contact your attorney or the trustee for more details.
If you are behind on plan payments and/or received a motion to dismiss your bankruptcy case for failure to make plan payments, you should contact the trustee and your attorney immediately. There may be options to get your payments current and avoid dismissal of your case.
There are three basic types of claims: priority, secured, and unsecured. First, the Trustee pays creditors with claims on your property (secured claims) and creditors holding claims due to such debts as child support and delinquent taxes (priority). Finally, the Trustee pays everyone else (general unsecured claims). Priority and secured creditors are paid pro-rata each month from funds that are available for distribution, unless the plan provides otherwise. This order of disbursement may be superseded by the terms of a confirmed bankruptcy plan.
Contact your attorney to discuss the objection. Your attorney and the trustee will also discuss the objection and work to find a resolution. Almost all issues are resolved by communication cooperation between the trustee, debtors’ attorneys, and debtors. It is important that debtors communicate with their attorneys during this period, as some additional action may be required. The trustee often requests additional information and debtors should diligently and timely fulfill those requests.
Contact your attorney to discuss the motion to dismiss. The most common reason the trustee files a motion to dismiss is failure to make plan payments. You should contact your attorney immediately. Depending on the facts of your case and the reasons for default, you may be able to avoid having your case dismissed.
It is at the confirmation hearing that your proposed plan is approved. The hearing is conducted before the bankruptcy judge assigned to your case and takes places following the 341 meeting of creditors.
You should not attend the confirmation hearing unless instructed to do so by your attorney. Even if there is an objection by the trustee to your plan, the trustee and your attorney will work to resolve that objection. The confirmation hearing may be continued to a future date in order for all the trustee’s concerns be resolved. If there is an objection or motion to dismiss filed by a creditor, you should consult your attorney as to whether or not you should attend the confirmation hearing.
You should notify the trustee, in writing, of any increases in income over the inflation rate, including bonuses. The trustee may request updated schedules showing your current income and expenses. Based on the facts of your case, the trustee may request that your plan payment be adjusted.
Yes. You have an ongoing obligation throughout your bankruptcy plan to notify the trustee, in writing, of the receipt of any windfall, including (but not limited to) inheritances, life insurance proceeds, gifts, settlement, and lottery winnings.
Debtors should not gamble with disposable income. It is the Trustee’s position that the use of disposable income to gamble is an abuse of the provisions, purpose, and spirit of chapter 13. If the Trustee discovers that you are using disposable income to gamble, the Trustee may move to dismiss your case. The Trustee may also request that you turn over your winnings for the benefit of your unsecured creditors.
Your attorney is required to promptly respond to the debtor’s questions throughout the case. Contact the Trustee if your attorney is not answering or returning your phone calls.
Other than adversary proceedings in which the original attorney has not yet made an appearance, your attorney is required to represent you in bringing and defending all matters in the bankruptcy case until a substitution of attorneys is filed or an order is entered allowing the attorney to withdraw, as specified in the Notice of Responsibilities of Chapter 13 Debtors and Their Attorneys and in the Local Rules.