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Fastest way to pay the trustee?

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  • Fastest way to pay the trustee?

    Right now I am using TFS payments online. It take roughly 5 business days for me from payment to clearing my account to trustee. Sometimes my plan payment date falls 2 or 3 days before my payday. Which is too late for TFS so I am having to pull my whole plan payment from my check 2 weeks prior which leaves me broke for 2 weeks until another paycheck. Is there a way to pay the trustee so that he receives his funds faster than 5 days? Would mailing it overnight or priority be too risky?

  • #2
    You should confirm that it's okay with your lawyer since each trustee is different but I sent my first payment by priority mail, and it worked out okay, now they said it had to be a money order and not a personal check so I had to pay for the money order and then pay for priority mail but the fees on TFS are about the same so it doesn't really matter. I just like TFS since I can do it with out going any where and I can decide when during the month to pay it. Sometimes I have been a little late and the 5 day thing got me but I asked my lawyer and she said unless you are miss payments and usually you have to miss 3 in a row before they will try to dismiss the case. The trustee would rather you keep paying even if it's a day late occasionally. But in order to not miss it too often I paid early with some savings one month, and shifted things so I can usually pay with plenty of time to spare. But I know that isn't easy for everyone.

    You could also ask your lawyer about having it automatically taken out of your pay check, I think if you do that they split it into 2 or 4 depending on if you are paid biweekly or weekly. Then you don't even have to think about it but of course payroll at your work will know about it and I don't know if you could easily skip a payment and make it up next month. I had to do that once when my husband was out of work for a few weeks.

    Best of luck to you.


    • #3
      TFS now offers payment via MoneyGram, the money orders you can purchase at CVS and Walmart. I never tried this before but TFS says it's the fastest service they offer. You should check to see if your district offers some other form of payment that might be quicker, like direct EBT.

      I've never been one to sweat the due date. I gotta ask, if you are a week or even two weeks late, what is the consequence? Or the reward for paying on or before the due date? Do lenders check with the trustee post BK if you apply for a loan? Trustee won't take file a motion to dismiss until you are maybe a month or two late.
      Last edited by switch625; 08-01-2017, 06:34 PM.
      Filed Ch 13 Fall 2013, 60 month plan


      • #4
        I get a money order - send it regular mail. However I've worked my (very lean) budget in a way so that my monthly payment is weeks ahead of due date.


        • #5
          Originally posted by tissa View Post
          But in order to not miss it too often I paid early with some savings one month, and shifted things so I can usually pay with plenty of time to spare. But I know that isn't easy for everyone.
          That's the best way to deal with it if you can. I get paid on the 15th and last business day of the month. So, my plan payment, which was due on the last day of the month, got sent on the 15th which is also when I paid most of my monthly bills and my mortgage and one other small bill got paid on the 1st.

          For anybody who may come across this who have not yet filed, plan the timing of your plan payment in advance. The first payment is due 30 days after filing. Unless you have a pending judgement or foreclosure you need to stop, don't be afraid to delay your filing to allow you to save money so you can make that first payment.

          LadyInTheRed is in the black!
          Filed Chap 13 April 2010. Discharged May 2015.
          $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!


          • puppiesrock
            puppiesrock commented
            Editing a comment
            Delaying filing to save money kind of tips off creditors that you're about to file, no?

          • lisa9519
            lisa9519 commented
            Editing a comment
            I could like this comment 100x. Your plan payment is due on the actual date that you filed every month. My attorney told me this and I still got it wrong. LOL. I really wish we would have filed sometime between the 25th and 29th. That would allow me to get 2 full pay checks before my PP is due. I chose the 19th which usually only has 1 full pay check.

        • #6
          Thanks for your responses everyone. I spoke with my attorney's office today and they informed me that as long as I make the payment on or before my plan payment due date through the TFS system I will be fine. So for example my PP is due on the 19th of each month. She said I could make it up until the 19th even though it takes 5 days for the trustee to receive the payment. She said the trustee has access to TFS if they need to look to see if payment has been made. But a few days late would not be a problem. She said the problems happen when you miss a payment entirely.

          I just wanted to know because sometimes I get paid 2 or 3 days before my PP is due. This will allow me to spread my PP into 2 paychecks instead of taking it out of 1 whole paycheck. My PP are really high. I am just trying to find the best way to make this chap 13 stick. Still trying to get into a rhythm.

          Also someone mentioned the money gram. I spoke with TFS today and they did say the trustee is notified that you made your payment instantly when paying by money gram. She said money gram was the fastest way. But of course that means getting cash out and going up to Walmart. Paying bi-weekly through TFS is so much easier for me.


          • #7
            @pupppiesrock, I am not sure what you are getting at. People stop paying creditors before filing BK all of the time. A creditor takes a while before filing a lawsuit. Their immediate assumption upon default is not necessarily that you will file BK. If they think you are going to file BK, that may actually keep them from filing a lawsuit because they will pay their lawyers to file and serve a complaint and then you can file your petition and stop the lawsuit in its tracks. The debt gets discharged and they threw good money after bad.

            It is actually a very good idea to save money before filing a Chap 13 so that you aren't immediately struggling to try to make plan payments.
            LadyInTheRed is in the black!
            Filed Chap 13 April 2010. Discharged May 2015.
            $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!


            • puppiesrock
              puppiesrock commented
              Editing a comment
              My comment wasn't meant to be bible or advice hence the question mark.... I was just wondering aloud if not paying your CC for a few months (because you're hoarding that cash instead) will that tip off creditors and allow them more time to do your paperwork (whether they assume you are filing or not??) and any chance you may have had for that to be discharged, no chance of it now? I've seen some folks have all their creditors show up (not talking literally) and in my case, more than half of mine did not. and I'm wondering if paying them until I was ready to file might have helped me. I also never saw it as throwing good money after bad because I assumed whatever the balance was, was mine to pay off anyway, so...

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