For questions regarding E-Pay, send an email to [email protected]
What should I use as my Username?
For your USERNAME, we strongly recommend that you use your complete email address (if less than 21 characters) or the portion of your email address prior to the @ symbol (if more than 21 characters), as that will help in remembering your USERNAME each time you access the system.
Do I have to use E-Pay?
No, you may continue to mail your Cashier’s Checks or Money Orders to our PO Box in Memphis, TN. You may also enroll in AutoPay 13. Please see the AutoPay 13 section of our website. You cannot use E-Pay or Autopay 13, if you have a mandatory payroll deduction order and your payments are being deducted from your paycheck.
Once I have registered, do I have to use E-Pay every month?
No, you can continue to send your Cashier’s Checks or Money Orders to our lockbox:
Chapter 13 Trustee
PO Box 691
Memphis, TN 38101-0691
What is my E-Pay Online Bankruptcy Payment ID
Your E-Pay Online Bankruptcy Payment ID is an 11 digit number consisting of your case number and the last 4 digits of your social security number (SSN). Do not use any dashes.
This is an example
Case No. 11-33333-SK, SSN 123-45-6789
The E-Pay Online Bankruptcy Payment ID is 11333336789.
Do I need to remember and input my E-Pay Online Bankruptcy Payment ID every time I log in?
No, you will only need to input this ID number the first time you register. However, it is a good idea to remember this number in case you have issues in the future with E-pay.
I have forgotten my password. How do I get a new one?
On the login page of the E-Pay Online Bankruptcy Payment Center, there is a link called “Forgotten Your Password?” The new page that opens upon clicking that link, will ask for your User Name and the system will send you a new password to the email address associated with your online account. Once you receive that new password, enter it into the login page. Once you have obtained access to your account, you can go to Settings and change your password to one of your choice.
Can I change my E-Pay password?
Yes, once you are logged in to the E-Pay Online Bankruptcy Payment Center, click on Settings to change your password.
What types of bank accounts can be used to make bankruptcy payments through E-Pay?
Only valid checking or savings accounts may be used to make bankruptcy payments by E-Pay. Pre-paid credit and debit card payments are not allowed and these payments will be rejected/returned and may result in your case being ineligible for E-Pay.
Where do I find my Checking/Savings Routing and Account numbers?
The Routing and Account Numbers are located on the bottom of your check. The Routing Number is always a 9 digit number and appears to the left of your Account Number. DO NOT look for these numbers on a deposit slip, as the Routing Number may be different on that document. If you are unable to find your Routing and Account Numbers, please contact your banking institution for assistance.
Do I need to input my Checking/Savings account information each time I make a payment?
No, the E-Pay Online Bankruptcy Payment Center will store up to 5 different accounts and you will be able to choose an account from the Previously Used dropdown menu.
What happens if my payment is returned as Non-Sufficient Funds (NSF)?
Your access to E-Pay will be revoked and you will not have the option of using E-Pay for the duration of your bankruptcy case. You will then be required to make your monthly bankruptcy payments by using Cashier’s Checks or Money Orders and mailing them through our PO Box in Memphis, TN. THERE ARE NO EXCEPTIONS TO THIS RULE.
How soon will my bankruptcy payment be taken from my bank account and be posted to my bankruptcy case?
Bankruptcy payments made prior to 5:00 p.m. Eastern will be debited from your account the same day and will be posted the next business day to your bankruptcy case. Please visit the National Data Center at
www.ndc.org in approximately 3 business days, if you would like to verify that your bankruptcy payment has been posted to your case.
Will I receive a receipt upon making a payment?
Yes, you will receive an automated email with your payment information listed in the body of the email.
Is there a ceiling to how much I can pay at one time?
Yes, the limit is $9,999.99 per transaction.
Can I make partial payments?
No. You must make your full bankruptcy payment by your due date.
What is the Administrative Processing Fee of $3.00?
This fee covers the administrative cost for our bank to offer you the E-pay service. The Trustee does not receive this money.
Are all of my bankruptcy payments listed in the E-Pay Payment History?
The E-Pay Payment History only displays payments made through the E-Pay Online Payment System. It will not display payments made through other payment sources. For a full payment history in your case, please go to the National Data Center at www.ndc.org
Why is my E-Pay account locked?
There are several reasons why your account may become locked. The Trustee reserves the right to lock your account and prevent a debtor from making payments online. The main reasons why the Trustee would lock an account include: a Non-sufficient Funds payment (NSF), a debtor placing a Stop Payment on submitted funds, or the conversion or dismissal of your case. If your account has been locked and you are still required to make payments, please send Cashier’s Checks or Money Orders to the PO Box in Memphis, TN.
What is the difference between E-Pay and Autopay 13?
When you are enrolled in Autopay 13, the Trustee deducts your monthly bankruptcy payment from your bank account on the 25th of each month. When you are enrolled in E-Pay, you are responsible for making your bankruptcy payment online by your payment due date.
