Tag: chapter 13 trustee

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The website you need while in bankruptcy…

If you are in a Chapter 13 bankruptcy, you need to set up an account on www.ndc.org. This website pulls information from the Chapter 13 Trustee, and keeps you updated on money going in, money going out, and gives you a general idea of what is going on. It doesn’t provide legal information, because that comes from your attorney. It also doesn’t have every single thing on there, so you can’t really add up columns to figure out how much you have left to pay. Again, you will need to contact your attorney for that information. I do, however, recommend that you check in on this website at least monthly to make sure your payments are actually getting to the trustee’s office. More times than I can count, employers have really messed up, or the USPS lost a money order, and ultimately, it’s up to you to make sure money shows up. This is the best way to make sure your payments are getting where they should go. If you identify a problem, let your attorney know immediately so that you can together form a plan of attack and get you back on track. Your attorney is on your team and knows how to help.

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Stimulus Payments and Bankruptcy

With three rounds so far of stimulus payments, many clients are asking if these payments are subject to being taken by the Chapter 13 or Chapter 7 case trustees. The first two rounds were specifically protected. However, the third round was provided under a reconciliation act, so it was much more up in the air. Just recently the United States Trustee issued guidance to the local Chapter 13 and Chapter 7 trustees that they should not try to take the third stimulus payment, or the child tax credit. But if a local trustee thinks that such action is necessary, they can contact the United States Trustee for further guidance.

Be sure to contact your attorney with any questions.

Do you need an attorney to help you with bankruptcy? We would be happy to help. You can reach us at www.tennesseefirm.com, 731-424-3315, or any of our other contact methods.

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Making your Chapter 13 Plan Payments

In the Western District of Tennessee, there are currently only two ways to make your Chapter 13 Plan Payments.

First, you can easily pay online at http://www.tfsbillpay.com. You will need your case number and other information from your paperwork to set up your payment. You can set up single payments or automatically recurring drafts. You can select your payment dates as well.

Second, you can mail a money order to the Chapter 13 Trustee. Make the money order out to Chapter 13 Trustee. Include your name (where you can read it), your case number, and only the last four digits of your social security number. Mail it to:

Chapter 13 Trustee

PO Box 6003

Memphis, TN 38101-6003

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Making Payments to the Chapter 13 Trustee

Most people have their Chapter 13 payment deducted from their paycheck. Many people, however, are required to send their own payment to the Chapter 13 Trustee. If you are required to send your own payment in, here are a few reminders about that payment:
•If you need to mail your payment, send it to: Chapter 13 Trustee, PO Box 1313, Jackson, TN 38302.
•If you need to take your payment in person, the physical address is: 250 North Parkway, Suite 1, Jackson, TN. This is on North Parkway beside the Madison County Board of Education office, between the Hwy 45 Bypass and Hollywood Drive. They have a drop box so you can drop off your payment any time.
•Be sure to send only a money order or cashier’s check. A personal check or cash will likely get your case dismissed. Money orders are available at most post office locations, Wal-Mart, banks, and other locations.
•Be sure to put your case number on your money order or cashiers check. If you do not have your case number, put your social security number on your money order or cashiers check to make sure your case gets credit for your payment. You may not be the only person with your name, so the Trustee uses these numbers as identifiers.
•If you are sending your own payment in, your case may also be on “probation.” This means that if you don’t pay the full amount on time, your case can be dismissed with no notice. So, pay on time and pay in full.