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Frequently Asked Questions:

1.    What is ePay?

ePay is an approved alternative to 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 federal bank routing number, and a valid email address.


  1. Will I receive a confirmation email upon making my payment?

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.


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

Payments made prior to 4:00 p.m. Mountain Standard Time, Monday through Friday (except Federal bank holidays), will be debited from your account the same day and should be posted to your bankruptcy case the next business day. However, it will take 1-2 business days after posting to your case to appear online through the National Data Center web site. Also, it may take 2 – 4 business days for your payment to appear on your online bank account statement.


  1. Why is my account locked?

There are several reasons why your account may become locked:

  • Your account may become locked because of multiple failed login attempts.
  • The Trustee has locked your account.


The main reasons why the Trustee would lock an account include:

  • A Non-sufficient Funds payment (NSF) is received.
  • A debtor placing a Stop Payment on submitted funds.
  • The conversion or dismissal of your case.


The Trustee reserves the right to lock an account and prevent a debtor from making payments through this service. If your account has been locked and you are still required to make payments, please send payments through the other payment options offered by the Trustee.


  1. Do I have to use ePay?

No, you may send your payments to the Trustee through the other options offered by the Trustee.


  1. Where do I find my Checking/Savings routing and account numbers?

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 for a checking account, as the Routing Number may be different on that document. If you are unable to find your Routing Number or Account Numbers, please contact your banking institution for assistance.


  1. Do I need to input my Checking/Savings account number each time I use ePay?

No, the ePay system can store multiple account numbers and you will be able to choose an account from those you have previously entered.


  1. 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 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 incur fees from your bank. In addition, this office may lock your account preventing you from using the ePay system for the duration of your bankruptcy case.


  1. The system says my information is invalid?

If your case is a joint case and the last four digits of social security number do not work, try the last four digits of the other party in your case.


  1. Is there a minimum or maximum to how much I can pay at one time?

Yes, the minimum is $2.00 and the maximum is $15,000.00 per transaction. This is subject to change at any time.


  1. Why are my payments held for 10 days?

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, via ePay, are held for 10 days for this reason. After that period, the funds are available for disbursement to your creditors.


  1. What is the $1.50 Processing Fee?

This is a bank processing fee and 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.


  1. Can I make partial payments?

Yes. You may make several smaller payments through the month. However, please keep in mind that a $1.50 processing fee is charged each time you use the ePay service.