10 Things To Know When Filing Chapter 13

  1. Your first Trustee payment must be made in the first 30 days.
  2. If you miss payments, the Trustee may file a motion to dismiss your case.
  3. Notify us immediately if you think you will miss a payment and we can request a temporary moratorium. If a moratorium is granted, the length of your plan may be extended.
  4. Your employer will receive a wage order from the Bankruptcy Court directing it to deduct plan payments from your paycheck. If your employer fails to do so, you are responsible for making any payments directly to the Trustee at the address provided in the letter we send to you after your case is filed.
  5. Direct payments to the Trustee must be in the form of a cashier check or money order.
  6. Keep us informed of any changes to your address.
  7. Make sure you understand your Plan. You can review your Plan monthly through the National Data Center website: https://www.13datacenter.com/
  8. All debts must be paid through the Plan. If you pay any pre-filing debt directly, the payment will not affect your obligation under the Plan.
  9. All income of all dependents and residents in your home must be listed in your schedules. This includes support payments and rental income.
  10. Your Plan may be required to last up to five years (60 months).