.jpeg)
JON M. WAAGE STANDING CHAPTER 13 TRUSTEE
MIDDLE DISTRICT OF FLORIDA
TAMPA & FORT MYERS DIVISIONS
Chapter 13 Payment FAQs
Frequently Asked Questions About Payments To The Trustee:
When do I need to begin making payments to the trustee?
Where do I send my payments?
What form must the payments be in?
Is there a grace period for payments due to the trustee?
Can the trustee's office change the payment due date to a date which is more convenient to my pay schedule?
If I'm current in payments to the trustee and a hearing is scheduled on an Order to Show Cause or Trustee's Motion to Dismiss because of past delinquencies, do I (or my attorney) have to go to the hearing?
The court said that I have to be current in payments to the trustee by the first of the month. Can I have until the fifteenth?
May I please have the amount necessary to pay off my chapter 13 case in full?
Can you send me a report showing all payments received by the trustee and disbursed to creditors?
My chapter 13 case was just dismissed (or converted to chapter 7). When is the trustee going to return my money?
I am participating in the automatic debit program and would like to skip a payment. Can I skip one payment and restart debiting the following month?
I am participating in the trustee's automatic debit program and my payment and/or bank account information just changed. Can you take my changes over the phone?
Where do I send my payments?
What form must the payments be in?
Is there a grace period for payments due to the trustee?
Can the trustee's office change the payment due date to a date which is more convenient to my pay schedule?
If I'm current in payments to the trustee and a hearing is scheduled on an Order to Show Cause or Trustee's Motion to Dismiss because of past delinquencies, do I (or my attorney) have to go to the hearing?
The court said that I have to be current in payments to the trustee by the first of the month. Can I have until the fifteenth?
May I please have the amount necessary to pay off my chapter 13 case in full?
Can you send me a report showing all payments received by the trustee and disbursed to creditors?
My chapter 13 case was just dismissed (or converted to chapter 7). When is the trustee going to return my money?
I am participating in the automatic debit program and would like to skip a payment. Can I skip one payment and restart debiting the following month?
I am participating in the trustee's automatic debit program and my payment and/or bank account information just changed. Can you take my changes over the phone?
Answers to Questions About Payments To The Trustee:
When do I need to begin making payments to the trustee?
No later than 30 days after you file your Chapter 13 case your first payment is due. You may also receive a letter from the trustee providing the same information.
Where do I send my payments?
Mail your payments to the following address:Chapter 13 Trustee, Jon M. WaageP.O. Box 260Memphis, TN 38101-0260Do not mail your payments to the trustee's correspondence address. This will only delay your account being credited.
What form must the payments be in?
Personal checks will not be accepted by the Trustee at any time. Under no circumstances are you to mail a payment in cash. The Trustee will accept money orders, cashier checks and certified checks. Money orders being available from numerous locations such as 7-11, AMSCOT etc. are the most common source used to send payments to the trustee. The Trustee offers an online payment option that is available through the ‘EPAY’ page. There is also an automatic debit payment option that will automatically debit the debtor’s bank account. The form for this program is located on the 'FORMS' page. If a debtor desires to participate in this program he/she will first have to complete and return an authorization form to our office which will allow us to process the debit. The debtor will have a choice of which date the debit will take place, either the 5th or the 17th of each month. If at any time the debtor's payment amount changes, the debtor will need to send us something in writing stating that we have his/her permission to debit the new payment each month. This notification must be received by our office at least ten (10) days prior to the payment due date.
Is there a grace period for payments due to the trustee?
a) All payments are due within 30 days from the date of filing.
b) Each bankruptcy judge differs in his interpretation of the Bankruptcy Code and the trustee endeavors to follow the ruling of each judge.
c) When a question arises, please review any relevant orders and call the Accounting Department in the trustee’s office.
b) Each bankruptcy judge differs in his interpretation of the Bankruptcy Code and the trustee endeavors to follow the ruling of each judge.
c) When a question arises, please review any relevant orders and call the Accounting Department in the trustee’s office.
Can the trustee's office change the payment due date to a date which is more convenient to my pay schedule?
No, all payments are due within 30 days from the date of filing.
If I'm current in payments to the trustee and a hearing is scheduled on an Order to Show Cause or Trustee's Motion to Dismiss because of past delinquencies, do I (or my attorney) have to go to the hearing?
You may check the status of the debtor(s) payments on the internet, using the "trustee13.com" website or link to this information via the trusteeship's office website at "tampa13.com".
NEITHER THE TRUSTEE NOR ANYONE ON HIS STAFF WILL TELL ANY DEBTOR OR ATTORNEY NOT TO ATTEND A HEARING.
NEITHER THE TRUSTEE NOR ANYONE ON HIS STAFF WILL TELL ANY DEBTOR OR ATTORNEY NOT TO ATTEND A HEARING.
The court said that I have to be current in payments to the trustee by the first of the month. Can I have until the fifteenth?
The answer is no. The trustee cannot change the ruling of the court. For further information call the Accounting Department.
May I please have the amount necessary to pay off my chapter 13 case in full?
a) Yes, if your chapter 13 Plan has already been confirmed, you may call our office at any time for an approximate payoff of your bankruptcy.
b) However, if you are ready to pay the bankruptcy in full and need an exact payoff, you must write to the Case Auditing Department at the trustee's office and request a payoff. Please keep in mind that we will ask for an explanation as to the source of the funds on an early payoff.
c) A payoff figure will generally be provided within three to five business days, however, delays do occur.
d) Click on this link for: Payoff request form
b) However, if you are ready to pay the bankruptcy in full and need an exact payoff, you must write to the Case Auditing Department at the trustee's office and request a payoff. Please keep in mind that we will ask for an explanation as to the source of the funds on an early payoff.
c) A payoff figure will generally be provided within three to five business days, however, delays do occur.
d) Click on this link for: Payoff request form
Can you send me a report showing all payments received by the trustee and disbursed to creditors?
Yes. We send out reports showing payments received and monies disbursed annually, however, any debtor or their attorney may call or write at any time and request a Status Report.
PLEASE NOTE: OUR OFFICE MUST HAVE THE DEBTOR'S PERMISSION TO RELEASE ANY INFORMATION TO A THIRD PARTY.
PLEASE NOTE: OUR OFFICE MUST HAVE THE DEBTOR'S PERMISSION TO RELEASE ANY INFORMATION TO A THIRD PARTY.
My chapter 13 case was just dismissed (or converted to chapter 7). When is the trustee going to return my money?
a) Any remaining funds on hand not previously disbursed, shall be refunded pursuant to the Order of Dismissal or Conversion.
b) For additional information on when a refund may be issued, please contact the Accounting Department.
I am participating in the automatic debit program and would like to skip a payment. Can I skip one payment and restart debiting the following month?
No. You can choose at any time to voluntarily stop the automatic debit. However once it is voluntarily stopped it cannot be reactivated. If you decide to discontinue this program you must send us either a termination form or a letter informing us you wish to stop the automatic debits.
I am participating in the trustee's automatic debit program and my payment and/or bank account information just changed. Can you take my changes over the phone?
No. You must send us the changes in writing with either a new voided check or a letter from the bank verifying the new account infromation. These changes must be received at least ten (10) days prior to when the automatic debit is due to come out of your account.
PLEASE NOTE: FOR ALL DEBTORS THAT ARE PARTICIPATING IN THE AUTOMATIC DEBIT PROGRAM - IN THE EVENT THERE IS A CHANGE IN THE PAYMENT THROUGHOUT THE LIFE OF THE PLAN IT IS THE DEBTOR(S) RESPONSIBILITY TO PROVIDE OUR OFFICE WRITTEN CONSENT AUTHORIZING US TO DEBIT THE NEW PAYMENT AMOUNT EACH MONTH. IN ADDITION, IF THE DEBTOR VOLUNTARILY DISMISSES OR CONVERTS THEIR CASE THEY MUST NOTIFY US IN WRITING TO TERMINATE THESE DEBITS.
PLEASE NOTE: FOR ALL DEBTORS THAT ARE PARTICIPATING IN THE AUTOMATIC DEBIT PROGRAM - IN THE EVENT THERE IS A CHANGE IN THE PAYMENT THROUGHOUT THE LIFE OF THE PLAN IT IS THE DEBTOR(S) RESPONSIBILITY TO PROVIDE OUR OFFICE WRITTEN CONSENT AUTHORIZING US TO DEBIT THE NEW PAYMENT AMOUNT EACH MONTH. IN ADDITION, IF THE DEBTOR VOLUNTARILY DISMISSES OR CONVERTS THEIR CASE THEY MUST NOTIFY US IN WRITING TO TERMINATE THESE DEBITS.
