Trustee failed to make my monthly plan payment, now what?!

[lukesky]

I used to check NDC on a regular basis just because. My understanding is the info is updated by the trustee if and when. It may not be current or accurate. PACER, on the other hand, is maintained by the courts so much more reliable. I signed up for PACER towards the end of my 13 to verify information but was not obsessed about what was posted. It can be addicting and, as you have found out, a bit expensive if you get caught up in it. As was previously mentioned, the major concern is to make the monthly payments to the trustee on time and in full, the rest will take care of itself.

Best of luck to you.

BNKRPTinNC, you are right on the money.....my 13 is self automated. I know that now. It really takes care of itself and I like that. Anything new at first is scary but now...I am okay. Now I see why my attorney just forgot about me on purpose after my confirmation but he still needs to be there for the next 3 years which is why I paid him.

[BNKRPTinNC]

I used to check NDC on a regular basis just because. My understanding is the info is updated by the trustee if and when. It may not be current or accurate. PACER, on the other hand, is maintained by the courts so much more reliable. I signed up for PACER towards the end of my 13 to verify information but was not obsessed about what was posted. It can be addicting and, as you have found out, a bit expensive if you get caught up in it. As was previously mentioned, the major concern is to make the monthly payments to the trustee on time and in full, the rest will take care of itself.

Best of luck to you.

[lukesky]

I say that like it was easy for me. I was checking in almost daily to the info sites and wondering what the trustee would do next.

So was I and I still do. I also did this with Pacer and my first bill was $80.00. I felt stupid at first but I thought about it and it was 90% cheaper than going through my attorney for answers about what is going on with my 13 because after I was confirmed he could care less about what I was asking. Pacer gave me all the answers I needed. Now, my next bill should be $0 - $15.00. This site, Pacer, NDC and TSF is a God Send!

[spidge]

I say that like it was easy for me. I was checking in almost daily to the info sites and wondering what the trustee would do next.

[lukesky]

There is a stay in place so focus on the payment to the trustee and try to worry less about the details.

Yes, you are right and thank you spidge.

[spidge]

There is a stay in place so focus on the payment to the trustee and try to worry less about the details.

[lukesky]

I wouldn't worry if a trustee misses a payment, but then again I did not have a regular car or house payment paid through the plan. I check NDC regularly and maybe twice my trustee had missed payments to creditors, but that payment gets doubled the following month.

You are so right switch625. As I was told here and also by my Trustee recently, sometimes they wait two months to build up enough monies to send out. So now I know and no worries. Thanks

[switch625]

I wouldn't worry if a trustee misses a payment, but then again I did not have a regular car or house payment paid through the plan. I check NDC regularly and maybe twice my trustee had missed payments to creditors, but that payment gets doubled the following month.

[lukesky]

Just so that you know, Trustees really don't like when a represented debtor contacts them. It usually indicates an issue between the attorney and the debtor and I would think the Trustee would not want to get involved. I would think that the Trustee would contact your attorney to ask what was going on before responding to you directly.

Unfortunately bankruptcy moves at glacial speeds. Nothing really happens fast and true emergencies are rare. It is perfectly okay to want things and people to move faster. It is perfectly okay to want to understand why payments are missed or slow. It is perfectly okay to be curious or nervous about the other side of the process.

Thank you, if I can get past tomorrow, Monday I should be okay. I just wished my attorney would answer my questions.

[justbroke]

Just so that you know, Trustees really don't like when a represented debtor contacts them. It usually indicates an issue between the attorney and the debtor and I would think the Trustee would not want to get involved. I would think that the Trustee would contact your attorney to ask what was going on before responding to you directly.

Unfortunately bankruptcy moves at glacial speeds. Nothing really happens fast and true emergencies are rare. It is perfectly okay to want things and people to move faster. It is perfectly okay to want to understand why payments are missed or slow. It is perfectly okay to be curious or nervous about the other side of the process.

[lukesky]

Any payment made on time to the Trustee is deemed to be an on-time payment to the creditor. It's simply how it works.

My Trustee had not paid any secured creditor in about 2 months, then paid them 3 months worth of payments all in one shot. I don't question how or when the Trustee decides to make payments because my payments, wage deductions, were on time to the Trustee. Besides, this was my "do nothing" attorney's first bankruptcy case.

Wow, thank you again justbroke.....I wished I would have waited to send an email and to leave my Trustee a message but it was absolutly with respect. I told him that I did not want to loose my car and I did all I can do. My attorney said it was a bad ideal to email/voice message him but my attorney is really not into what I ask of him. Thanks again.

[lukesky]

Funny, not haha, but I just came on to see if anyone else posted anything about the same subject. My house payment was suppose to be made back on the 1st of the month by the trustee. I was curious because I didn't see anything posted on the National data center so I called my lawyer who said the same thing, "don't worry about it." Well it seemed to be a big problem when I didn't pay on time but was still in the grace period to pay. Now the trustee was beyond that and still hasn't even paid yet and it's almost the end of the month, nice example. Do as I say not as I do. In the end, I did my due diligence and talked to my attorney, not that I didn't wish I had someone that I liked and trusted, but the ball is in the trustees court and I'm ok with that since I'm forced to give my the trustee my mortgage payment and couldn't pay it right now even if I wanted to. Keep records of who and when you talk to and do what we are advised by our lawyers, that's all we can do, best of luck.

Amen and Amen lightning65. Thank you so much for being here and for your post. I was hoping I was not alone with this. My attorney did finally email me back after a week and pretty much said the Trustee knows how to make payments. I do have all my email strings to him and the one to the Trustee (not sure if that was a good ideal are not) asking what is going on and what am I supposed to do. Thanks again.

[lukesky]

Lukesky - before the 36 months are up, you're going to have this whole process down to a fine art and you'll be more relaxed.

I hope your right sophieanne. Thanks.

[sophieanne]

Lukesky - before the 36 months are up, you're going to have this whole process down to a fine art and you'll be more relaxed.

[justbroke]

Any payment made on time to the Trustee is deemed to be an on-time payment to the creditor. It's simply how it works.

My Trustee had not paid any secured creditor in about 2 months, then paid them 3 months worth of payments all in one shot. I don't question how or when the Trustee decides to make payments because my payments, wage deductions, were on time to the Trustee. Besides, this was my "do nothing" attorney's first bankruptcy case.