Frequently Asked Questions (FAQs)

What do I need to register?

Will I receive an email after submitting my registration?

Why can’t I register?

What should I use as my Username?

What is the password requirement?

How do I reset a forgotten password?

How do I reset a forgotten username?

Will I get an email confirmation?

Why is my online ePay account locked?

What is my Online ePay ID?

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

Why is the Make A Payment screen blank?

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

What is the Trustee’s lockbox address

Do I have to use the Online ePay System every month to make Chapter 13 plan payments?

Will I receive a receipt upon making a payment to the Online ePay System?

How soon will the payment be taken from my account and posted to my bankruptcy case?

Is there a maximum amount that I can pay at one time using the Online ePay System?

Is there a minimum amount that I can pay at one time using the Online ePay System

Can I make partial Chapter 13 plan payments using the Online ePay System?

Can I make more than one payment?

Can I see my annual payment amount?

Can I schedule payments in advance or set up recurring payments?

Where do I find my checking/savings routing numbers and account numbers?

Do I need to input my checking/savings account information each time I make a payment on the Online ePay System?

What happens if my payment is returned as Non-Sufficient Funds (NSF)?

Why are my payments held for 15 days?

What is the $2.00 Processing Fee?

Why aren’t all my payments listed in the Payment History of the Online ePay System?

Can I make a duplicate payment?

Can I cancel a payment?

Can I make my Chapter 13 Payment with a debit card or credit card?

 

What do I need to register?
You will need an email account, your seven digit bankruptcy case number, and the last four digits of your Social Security number to register.
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Will I receive an email after submitting my registration?
Yes. An automatic email will be sent to you detailing your registration information. It may take up to three hours to receive your email notification.
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Why can’t I register?
The Online ePay System may not have processed your information. Please allow at least 15 days after your Chapter 13 Bankruptcy Plan is filed before trying to register to open an account on our Online ePay System.
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What should I use as my Username?
I recommend that you use your complete email address (if it contains 20 characters or less) or the portion of your email address prior to the @ symbol (if your complete email address contains 20 characters or more).
Your username can't be more than 20 characters. Using your email address, or part of it, will help you remember your username when you access the Online ePay System.Top

What is the password requirement?
The password must be at least six characters and no more than 20 characters. It must also contain at least one numeric character. Your password is case sensitive.
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How do I reset a forgotten password?
On the login page of the Online ePay System, there is a link called Forgotten Your Password? The new page will ask you to input your Username and the system will email a new password to the email address you used during your registration. Once you get that new password and enter the site, you can go to Settings and change your password to one of your choice.
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How do I reset a forgotten username?
On the login page of the Online ePay System, there is a link called Forgotten Your Username? The new page will ask
you to input your Online Payment ID and the email address you used during your registration. The system will email your username to the email address you provided. Top

Will I receive an email confirmation?
Yes. You will receive an email confirmation within 3 hours of completing your account registration or once you have successfully made a payment on the Online ePay System.
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Why is my online ePay account locked?
Accounts are temporarily locked after three unsuccessful login attempts. In this case, the account will remain temporarily locked for three hours.
If you have submitted an electronic payment in my Online ePay System and it is not honored, your account is permanently locked. Top

What is my Online ePay ID?
Your Online ePay ID is an eleven digit number consisting of your bankruptcy case number and the last 4 digits of your Social Security number. Do not include any dashes.

Example: Case number 99-90000-drd-13
                Social Security number 123-45-6789

                The Online ePay ID will be: 99900006789   
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Do I need to remember and input my Online ePay 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 Online ePay System. Once you have registered, you will need to remember your username and password to log into the Online ePay System to make your payment.
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Why is the Make A Payment screen blank?
When cases have been dismissed, converted, or completed the Online ePay System will still allow you to login, but you will not be able to make any additional payments.

If you are in the process of vacating a dismissal or converting to Chapter 13, please make Chapter 13 plan payments with a personal check, cashier’s check or money order to the Trustee’s lockbox until your case is active again.
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If my case has been dismissed or converted, can I use the Online ePay System to start making payments again if instructed to do so by my attorney?
No. Until your case has been reopened, please make Chapter 13 plan payments with a personal check, cashier’s check or money order to the Trustee’s lockbox.
If your case is reopened and if you are otherwise eligible to use the Online ePay System, your Online ePay account will be unlocked. If the account remains locked even after your case has been reopened, please contact us. Top

What is the Trustee’s lockbox address?
You may mail your Chapter 13 plan payments to: 

                            Richard V. Fink, Chapter 13 Trustee
                            PO Box 1839
                            Mem phis, TN 38101-1839
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Do I have to use the Online ePay System every month to make Chapter 13 plan payments?
No. The Online ePay System provides you with a fast, secure, and easy way to make your plan payments to the Trustee, but you are not obligated to use it every time you make a plan payment. You can send a personal check, cashier’s check or money order to the Trustee’s lockbox. You can use whichever method is most convenient for you.
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Will I receive a receipt upon making a payment to the Online ePay System?
Yes. You will receive an automated email with your payment information listed in the body of the email.
It may take up to three hours to receive your email confirmation. You can also use the Online ePay System to view prior payments made via the Online ePay System.Top

How soon will the payment be taken from my account and posted to my bankruptcy case?
Payments made prior to 4:00 PM Central Time will be processed the same day. The Trustee will post your payment to your bankruptcy case the next business day. You can also verify your payment history after three business days by going to www.13datacenter.com. Top

Is there a maximum amount that I can pay at one time using the Online ePay System?
Yes. The maximum amount for any one transaction made via the Online ePay System is $9,999.99. My office will apply to your case any payment you make on the Online ePay System. We will review large payment amounts that may represent a tax refund, insurance proceeds, or any other lump sum payment.
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Is there a minimum amount that I can pay at one time using the Online ePay System?
Yes. The minimum amount for any one transaction made via the Online ePay System is $1.00. This amount is calculated independently from any additional payment amount. If you wish to pay an additional amount, you will also need to make a payment of at least $1.00 in the current payment amount field.
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Can I make partial Chapter 13 plan payments using the Online ePay System?
Yes. If you can’t afford to make the full monthly payment, you may make several smaller payments throughout the month. However, please keep in mind that this does not affect the due date for your plan 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. There also is a convenience fee
every time you make a payment in the Online ePay System. Top

Can I make more than one payment?
Yes. However, the Online ePay System will not allow duplicate amounts to be paid on the same day.
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Can I see my annual payment amount?
Yes. The annual payment amount is added to your current payment amount during the month the annual payment is due.
However, this amount is only displayed during the month when your annual payment is due and will not be displayed in any other month. Top

Can I schedule payments in advance or set up recurring payments?
No. My Online ePay System will not allow you to make recurring payments or payments in advance.
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Where do I find my checking/savings routing numbers and account numbers?
The routing numbers and accounts numbers are located on the face of your checks. The routing number is always a nine digit number located to the left of your account number. DO NOT look for these numbers on a deposit slip as the routing number may be different from your checking/savings routing number. If you are unable to find your routing numbers and account numbers, please contact your bank for help.
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Do I need to input my checking/savings account information each time I make a payment on the Online ePay System?
No. The Online ePay System will store the five most recent accounts you have used and you will be able to choose one from the Previously Used drop down menu.
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What happens if my payment is returned as Non-Sufficient Funds (NSF)?
It is very important that BEFORE YOU START THIS PAYMENT PROCESS YOU VERIFY THAT YOUR BANK ACCOUNT HAS ENOUGH FUNDS TO COVER THE TRANSACTION. If you submit a payment without having enough funds in your bank account to cover the transaction, the result most likely will be a Non-Sufficient Funds transaction. If this occurs, your bank account will be overdrawn and you may incur additional charges from your bank. IN ADDITION, IF YOUR PAYMENT IS RETURNED FOR NON-SUFFICIENT FUNDS, OR ANY OTHER REASON, YOUR ONLINE EPAY ACCOUNT WILL BE LOCKED AND YOU WILL NOT HAVE THE OPTION OF USING THE ONLINE EPAY SYSTEM FOR THE DURATION OF YOUR BANKRUPTCY CASE. You will then be required to make your Chapter 13 monthly plan payment by using a personal check, cashier’s check or money order or you may be required to set up a wage order to your employer.
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Why are my payments held for 15 days?
Payments are held for 15 days in case your payment is dishonored for any reason. After the 15 days, the funds are available for disbursement to your creditors.
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What is the $2.00 Processing Fee?
The $2.00 Processing Fee covers the cost to the bank for providing this service to you. The Trustee does not receive this money.
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Why aren’t all my payments listed in the Payment History of the Online ePay System?
The Payment History in the Online ePay System only displays payments made through the Online ePay System. It will not display payments made to the Trustee’s lockbox. To view your full payment history, visit the website
 www.13datacenter.com. You will be able to view your case information, payee information, and payment history at our site. Top

Can I make a duplicate payment?
No.
You cannot make a duplicate payment on the same day. You do have the option, though, to cancel your previous payment in order to make another payment. See the "Can I cancel a payment?" question below for more information. Top

Can I cancel a payment?
Yes. You can cancel your payment before 4:00 PM Central Time
on the same day for which you have scheduled your payment. You will receive an email confirmation when you make a payment; however, at this time, you will not receive an email confirmation when you cancel your payment. You can, however, view your Online ePay history, which will display any payments you successfully cancelled. Top

Can I make my Chapter 13 payment with a debit card or credit card?
No. The online ePay System will not honor a debit card or credit card transaction.
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