Need help understanding 13datacenter.com

[chpxiii]

Anyone here use 13datacenter.com? I need some help, please, if you understand it.

When I look at the listing of claims, I was wondering if you could tell me what the columns mean. Some I know are obvious. I am looking at the "Claim Summary" of my case tab.

Here is the list:

• Claim Number
• Creditor Name - This one is obvious. this is the name of the creditor who I assume has submitted a claim.
• Claim Description - Easy, this says secured or unsecured. But there are some that say "Notice Only." What does that mean?
• % of Claim Paid - Not sure. Some my creditors have 100%. Does that mean they are getting 100% back through the plan?
• Claim Amount - I assume that this is the amount they are claiming I owed them. Do I assume correctly?
• Principal Paid - Does this mean that this is how much money they have already been paid? Or how much they are going to get?
• Interest Paid- Does this mean that this is how much interest has already been paid?
• Scheduled Amount - Some of these are higher than what is in the Claim amount. What does that mean?
• Principal Owed - I'm not sure about this one. Does this mean this is how much is now owed? Or was owed at the time of filing?
• Monthly Payment - I assume this is how much the creditor is getting per month from disbursement by the trustee. Only my car creditor has an amount, the others don't. But the others are getting payments as denoted in the "Account Ledger" tab.
• Interest Rate

Here are a couple of examples:

• Claim Number - 002
• Creditor Name - Mazda American Credit
• Claim Description - Secured (this is my car)
• % of Claim Paid - 100%
• Claim Amount - $16,350.00
• Principal Paid - $15,927.81
• Interest Paid - $2,095.09
• Scheduled Amount - $20, 991.33 (I believe that was the amount I owed at the time of filing, I did a cram down.)
• Principal Owed - $422.19
• Monthly Payment $356.07
• Interest Rate - 8%

As in this next one, there are several creditors listed with all $0 dollar amounts:

• Claim Number - 0019
• Creditor Name - Tiburon financial LLC
• Claim Description - Notice Only
• % of Claim Paid - 0%
• Claim Amount - $0
• Principal Paid - $0
• Interest Paid - $0
• Scheduled Amount - $0
• Principal Owed - $0
• Monthly Payment $0
• Interest Rate - 0%

For this Chase card, does that mean they aren't getting any of that money listed here? There are other creditors that have a claim amount but $0 dollar amounts in the other columns.

• Claim Number - 0028
• Creditor Name - Chase Card Services
• Claim Description - Unsecured
• % of Claim Paid - 0%
• Claim Amount - $520
• Principal Paid - $0
• Interest Paid - $0
• Scheduled Amount - $0
• Principal Owed - $0
• Monthly Payment $0
• Interest Rate - 0%

Then there are others like this hospital that have a dollar value in "Scheduled Amount" but $0 in all the others. What does that mean?

• Claim Number - 0029
• Creditor Name - Hospital
• Claim Description - Unsecured
• % of Claim Paid - 0%
• Claim Amount - $0
• Principal Paid - $0
• Interest Paid - $0
• Scheduled Amount - $213.95
• Principal Owed - $0
• Monthly Payment $0
• Interest Rate - 0%

Could anyone please shed light on what some of these mean? How do I know which creditors will not get paid and which will? (I know my car is for sure.) And why are some listed as "notice only?" I need help in understanding what each of those items mean, please. Thank you!

[Cassiopeia]

What is 13datacenter.com?

[tiredofdebt1]

good question...what is that?

[lrprn]

Anyone here use 13datacenter.com? I need some help, please, if you understand it.

My trustee uses 13Network. However, several of us 13ers discovered that all of us are not seeing the same screens - there's some variation between trustees. I'll do my best to explain what you're seeing....

The first entries you list are from creditors that filed claims to be paid by your plan. And you've done a good job explaining what each line item means.

[*]Creditor Name - This one is obvious. this is the name of the creditor who I assume has submitted a claim. Right.

[*]Claim Description - Easy, this says secured or unsecured. But there are some that say "Notice Only." What does that mean? Not sure - may mean that these creditors received a notice only - it wasn't obvious whether they were secured or unsecured.

[*]% of Claim Paid - Not sure. Some my creditors have 100%. Does that mean they are getting 100% back through the plan? Secured creditors like your car will get 100%. Unsecured creditors typically will receive something less than 100% - the exact % depends on how many file claims.

[*]Claim Amount - I assume that this is the amount they are claiming I owed them. Do I assume correctly?Right.

[*]Principal Paid - Does this mean that this is how much money they have already been paid? Or how much they are going to get? Think of taking out a loan with interest. Part of each payment pays down the loan amount itself - the principal - and the rest goes to pay the interest.

[*]Interest Paid- Does this mean that this is how much interest has already been paid? Right.

[*]Scheduled Amount - Some of these are higher than what is in the Claim amount. What does that mean? Typically between the last statement you get and the time you file, late fees and extra interest have piled on. That accounts for the difference. However, if there's a HUGE difference, then there could have been a mistake - notify your lawyer immediately.

[*]Principal Owed - I'm not sure about this one. Does this mean this is how much is now owed? Or was owed at the time of filing? See principal above. This is the amount of the actual loan left to pay.

[*]Monthly Payment - I assume this is how much the creditor is getting per month from disbursement by the trustee. Only my car creditor has an amount, the others don't. But the others are getting payments as denoted in the "Account Ledger" tab.Right. The trustee pays your creditors in a specific order. The ones getting disbursements first are at the top of the priority list. The rest will be paid in their order until you reach the end of your plan, pay all the creditors who filed claims 100%, or (if you are able) pay out of the plan early.

[lrprn]

What is 13datacenter.com?

13datacenter.com https://www.13datacenter.com/ hosts Ch 13 trustee websites where Ch 13 filers can go to see their cases in detail, including an accounting of our monthly payments, the amounts the trustee is disbursing to creditors, posting of payments, etc. It's free, but only useful to Ch 13 filers.

13datacenter also hosts sites for trustees, creditors, and attorneys, but we filers aren't allowed to see those areas.

I personally find 13Network far more helpful tracking the details of our case than 13DataNetwork. Here's a peek at the 'front door' of 13Network - http://www.13network.com/ - scroll down to see all the Ch 13 trustees by state who have websites hosted there.

If you file Ch 13 and your trustee is listed there, you can click your trustee's name, then once you go to his/her site, you can sign up to get a free username and password from your trustee's office to get access to your case.

[chpxiii]

Thanks, Irprn. I appreciate your explanation. I'm still trying to understand what I'm reading now.

I just heard about 13datacenter.com this past spring. I had called my trustee's office and the person who answered told me about that site. I've also heard of 13networks.com - having worked for a bankruptcy law firm that represented my creditors (hee!) - and it is linked from my trustee's site. I saw a link to 13networks.com from my trustee's website, but it was a form that I had to fax or mail in to request access to 13networks.com. I was feeling lazy and I already had access to 13datacenter.com so I'm using that for now.

[chpxiii]

Another question.

I'm looking at my claim summary and I notice that there are only 4 creditors that have 100% under "% of claim paid."

Are those the only creditors who will be receiving any payment from the trustee? When I look at my account ledger, those are the only ones receiving any money right now.

I'm EXTREMELY curious because I have other creditors (not counting Sallie Mae, I know she can't be discharged and she starts to get paid once I'm out), who have claim amounts and scheduled amounts, but they don't have a percentage in the "% of claim paid" column and so I'm wondering if they're getting anything at all. I have requested an early payoff - which, when I called the trustee, the amount sounds about right (although the numbers don't seem to add up on 13datacenter.com) and is actually doable for me. The lady who answered at the trustee's office said that number could be higher or lower, they need to do an audit first.

I'm checking the mail everyday. Anxious.