Paying a Ch 13?

[beachgirl]

How are payments made? Can we pay money order, check, etc?

[aa06a47]

Personal Check, cashiers check, or money order is how my trustee wants it. No Cash though!!!

[PI_Lvr]

Here in Eastern Virginia we have to pay by direct withdrawal from my paycheck...even though the courts say it's not a garnishment, it's classified the same by my business.

[aa06a47]

Here in Eastern Virginia we have to pay by direct withdrawal from my paycheck...even though the courts say it's not a garnishment, it's classified the same by my business.

They have that here as well. You have a choice though. My plans are to pay by check until the confirmation date, then fill out the paper work one time to get the correct amount deducted. The only problem I have with the direct payment, it seems the courts are quick to turn it on, but not so quick to turn it off. I've read a few post here where the trustee collected way past the date, and people are still waiting on there refund. I'm getting to old to wait!! LOL!!

That said, I think it far better to have the security of it taken directly from my check, so I don't have to worry about sending it in every month.

[13inOR]

We had the choice of direct pay or payroll deduction and we decided to take
payroll deduction because everything we read and heard indicated those had a much greater success rate.

One thing though---our trustee DID NOT accept personal checks, he only
wanted money orders or cashiers checks, no exceptions. So beachgirl might want to check into that.

[helpless]

I am in Ohio. Usually it is garnishment here, but we asked the court if we could pay directly because DH works for small company and it might affect his job, so we pay directly. First payment had to be cashier check, but after that we were allowed to send in personal checks.

[DOA]

Your trustee should have a website stating what he wants on the check/money order, types of funds accepted and where to send it. All I did was put Blank Blank, Trustee in Google and it led me right to his site. There is an association they belong to nationwide that keeps the site up. If your in a decent sized metropolis i'll bet your trustee is on there. Heck, our payment is sent to a PO Box in TN, and I don't live in TN, but IN. I'm going to take the same route someone above mentioned and not have my "wtihdrawl" started till post confirmation.

[katze]

Our Trustee would not accept personal checks. But he did ask us what day of the month would be best for us to make our payments. That was cool.

[anonymuse]

I would hope it wouldn't be direct garnishment for me if I go that way. I work in an office of 14 people, and, can I say, the office manager, is, ahem, nosy to say the least. Nothing private is in that office.

[13inOR]

Anonymuse, depending on your state and trustee you may not have a choice.
Hopefully you will though. In our case, we had a choice and took the garnishment route, but had it done through my checks as I work for a huge company, payroll is done out of state, by people I dont know and never will know. Whereas my husband worked for a one-man outfit and his boss freaked out over any extra paperwork or redtape and was also nosy and judgemental. Needless to say, it was much easier to not involve him at all.

[Jman30]

They have that here as well. You have a choice though. My plans are to pay by check until the confirmation date, then fill out the paper work one time to get the correct amount deducted. The only problem I have with the direct payment, it seems the courts are quick to turn it on, but not so quick to turn it off. I've read a few post here where the trustee collected way past the date, and people are still waiting on there refund. I'm getting to old to wait!! LOL!!

That said, I think it far better to have the security of it taken directly from my check, so I don't have to worry about sending it in every month.

I am in Ohio and they allowed us to pay by money order or certified check until the plan was confirmed. At that point, they set it up for automatic payroll deduction. My attorney did mention that they are quick to set it up, not so quick to turn it off. He said when we get towards the end, say around 3 payments left, he can petition the court to STOP the payroll deduction. By the time it gets through and they issue the order and send it to my employer, we should be right at the end of the 13.

Just an idea!