frequently asked questions



Do I have to use the Online Payment System?

No. You can continue to send us a Check, Cashier's Check or Money Order to:
Christopher Micale, Chapter 13 Trustee
P.O. Box 750
Memphis, TN 38101-0750


How soon after my case is filed can I make my first payment using ePay?

Assuming that the plan is filed with the Petition the typical time frame is around 48 hours. If the Plan is not filed with the Petition then it will be about 48 hours after the Plan is filed. This 48 hour time frame does not include holidays and weekends.


What is my Online Payment ID?

Your Online Payment ID is comprised of your case number and the last four digits of your social security number. Example: If your case number is 12-66666 and the last four digits of your social security number are 8888 then your online payment ID would look like this 12666668888


Do I need to remember and input my Online Payment ID every time I log in?

No. You will only need to input this ID number the first time you register, but it is a good idea to remember this number in case you have issues in the future with the payment center.


Will I receive a confirmation after submitting my registration?

Yes. An email confirming your new Online Payment Account will be sent to the email address that you used to register for the Online Payment Center.


I have forgotten my password. How do I get a new one?

On the login page of the Online Payment Center, there is a link called Forgotten your Password? Click on this link and a pop up window will appear. Input your User name and click on the Email Password link and the system will send you a new password to the email address that you used to register for the Online Payment Center. Once you get that new password and enter the site, you can go to settings and change your password to one of your choice.*Remember passwords are case sensitive.


I have forgotten my username. How do I retrieve it?

On the login page of the Online Payment Center, there is a link called Forgotten your Username? Click on the link and a pop up window will appear. Input your Online Payment ID and your email address that you used to register for the Online Payment Center. Then click on the Email Username link and the system will email your username to you.


Can I change my password?

Yes. Once logged in, click on Settings to change your password. *Remember passwords are case sensitive.


Where do I find my Checking/Savings Routing and Account numbers?

These numbers can be found at the bottom of your check or deposit ticket, see exampls below.


Do I need to input my Checking/Savings account information each time I make a payment?

No. The Online Payment Center will store the five most recent accounts used and you will be able to choose one from the Previously Used dropdown menu.


Can I use a debit card?

No. You may only use a Routing and Account number from a valid Checking or Savings account.


What are my payment options?

You have several options.
1. One Time Payment - Click here for Instructions.

2. Partial Payment - If you can't afford to make the full monthly payment owed at one time, you may make several smaller payments throughout the month. However, please keep in mind that this does not affect the due date for your payments. Even though you have the ability to make smaller payments throughout the month, the full amount of your payment is still due by your payment due date. - Click here for Instructions.

3. Additional Payment - Such as a Tax Refund Payment, Bonus Payment, Insurance Proceeds, Sale Proceeds, Settlement Proceeds or a Payment to Cure a Default. - Click here for Instructions.

4. Recurring Scheduled Payments - You can set up scheduled payments to be withdrawn from your account on future dates. Recurring Payments can be set for Weekly, Every Two Weeks, Monthly or Quarterly. - Click here for the instructions.




How do I calculate my payments to pay weekly, every two weeks or quarterly?

This is an EXAMPLE of how you would calculate your payments to pay weekly, every 2 weeks or quarterly.

WEEKLY


7500
Total Monthly Plan Payment Amount
x12
Months
$90,000
Total Payment For The Year
÷ 52
Pay Periods Per Year
$1,730.77
Amount To Be Paid Weekly

EVERY TWO WEEKS

7500
Total Monthly Plan Payment Amount
x12
Months
$90,000
Total Payment For The Year
÷ 26
Pay Periods Per Year
$3,461.51
Amount To Be Paid Every Two Weeks

QUARTERLY

7500
Total Monthly Plan Payment Amount
x12
Months
$90,000
Total Payment For The Year
÷ 4
Pay Periods Per Year
$22,500.00
Amount To Be Paid Quarterly



When scheduling a payment, why does my Monthly Plan Payment Amount show $1.00 instead of my actual payment amount?

If your Chapter 13 Plan was not filed with the Bankruptcy Court at the same time your Chapter 13 Petition was filed, our office does not have the information to include your actual payment amount. The ePay system is not functional unless a Monthly Plan Payment Amount is entered. In an attempt to make the ePay system functional for you from the beginning of your case, we enter $1.00 as your payment amount while waiting for your Chapter 13 Plan to be filed with the Court. Please note that you must pay the amount your attorney instructed you to pay instead of the $1.00 amount listed. If you are unsure of the amount to pay, please contact your attorney.


I am in a joint bankruptcy with another person, (spouse, significant other, domestic partner, etc.) can I see all of the payments that have been made in our case by both of us?

No. The Online Payment Center system sees you as two completely separate accounts, therefore you will only be able to see the payments that you have made, not payments made by the joint debtor in the case. We recommend that you go to www.ndc.org to view complete case payment history.


I am in a joint bankruptcy with another person, (spouse, significant other, domestic partner, etc.) we have separated and are no longer on good terms. Can they use my bank account stored in online payment website to make their payments?

No. For this exact reason, the Online Payment Center maintains debtor access, payment and account information, separately. Therefore one debtor cannot see any information (including the account information in the previously used drop down, the payment history or schedule payments) for the other debtor, even if they are joint debtors for the same case.


Why are not all my payments listed in the Payment History?

The Payment History in the Online Payment Center only displays payments made through the Online Payment System. For a full payment history, please click here to visit the National Data Center.


What is the $1.00 Processing Fee?

The $1.00 Processing Fee covers the cost to our bank for providing this service to debtors. The Trustee does not receive this money.


Will I receive a receipt after making a payment?

Yes. You will receive an automated e-mail with your payment information listed in the body of the e-mail.


When will the funds be withdrawn from my account?

Funds are withdrawn the next business date following the "Payment Effective Date" shown on your payment receipt. If sufficient funds are not available you may incur overdraft fees from your bank or your payment may be declined for Not Sufficient Funds.


Why was my payment declined?

Payments may be declined for several reasons. If you receive an e-mail that your payment has been declined please contact your bank to obtain details on why the payment was declined.


Why is my online payment account locked?

There are several reasons why your online payment account may become locked. The Trustee reserves the right to lock your account and prevent a debtor from making payments online. The main reasons why the Trustee would lock an account include: a Non-sufficient Funds payment (NSF), an online payment returned for any other reason, or your case has been Converted or Dismissed. If your account has been locked and you are still required to make payments, please send a Check, Cashier's Check or Money Order to:

Christopher Micale, Chapter 13 Trustee
P.O. Box 750
Memphis, TN 38101-0750



If my case has been dismissed or converted, can I use the Online Payment System to start making payments again if instructed by my attorney?

No. Until your case has been reopened, please send a Check, Cashier's Check or Money Order to:

Christopher Micale, Chapter 13 Trustee
P.O. Box 750
Memphis, TN 38101-0750


If your case is reopened, your Online Payment account will be unlocked. If the account remains locked even after your case has been reopened, please contact us at epay@ch13wdva.com or 540-342-3774 Ext. 100 so we can unlock the account.




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