ePay
- Is there a fee to use ePay?
- Once I have registered, do I have to use ePay?
- I have forgotten my password. How do I get a new one?
- May I change my password?
- May I change my email address?
- What types of accounts may be used to make payments via ePay?
- Where do I find my checking routing number and account number?
- Do I need to input my checking/savings account information each time I make a payment?
- How soon will the payment be taken from my bank account and post to my bankruptcy case?
- Is there a ceiling to how much I can pay at one time?
- May I make partial payments?
- May I set up recurring payments?
- Will I receive a receipt upon making a payment?
- Why was my payment declined?
- What happens if my payment is returned as non-sufficient funds (NSF)?
- Why is my account locked?
- Where can I find a full payment history for my case?
- What is the difference between ePay and the ACH automatic monthly checking or savings account deduction program?
There is a $2.00 processing fee for each payment made through the website.
Once I have registered, do I have to use ePay?
No. You may continue to send cashier’s checks or money orders to the P.O. Box in Memphis, Tennessee – if that is more convenient. Please note that ePay does not replace payments where the Bankruptcy Court has issued a wage deduction order directing your employer to make the payments. If a wage deduction order is in place for your bankruptcy case, ePay may be used to send additional payments to the Chapter 13 Trustee.
I have forgotten my password. How do I get a new one?
At the ePay login page, there is a link called Forgot Password. Upon clicking this link you will be asked to enter the following: 1) Login ID, 2) Case Number, 3) Last 4 digits of your Social Security Number, and to 4) Re-Enter Last 4 digit Social Security Number. A new password will be emailed to the address associated with your ePay account. Once you receive the new password, enter it at the login page. Once you have obtained access to your account, you may go to My Profile and change your password to one of your own choosing.
Yes. Once you are logged in, click on My Profile, then Change Password and make any necessary changes. Once complete, click Save.
May I change my email address?
Yes. Once you are logged in, click My Profile, then Change Email and make any necessary changes. Once complete, click Save.
What types of accounts may be used to make payments via ePay?
Only valid checking or savings accounts may be used to make payments via ePay. Pre-paid credit and debit card payments are not allowed. These payments will be rejected/returned and may result in your case being ineligible for ePay transactions.
Where do I find my checking routing number and account number?
The routing number and account number are located at 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 do not know your routing number and/or account number, please contact your banking institution for assistance.
Do I need to input my checking/savings account information each time I make a payment?
No. ePay will store up to 3 different bank accounts.
How soon will the payment be taken from my bank account and post to my bankruptcy case?
Payments made prior to 7:00 p.m. eastern standard time will be debited from your bank account the next business day and post to your bankruptcy case by the close of business the following day. To verify that your payment has posted to your case, please visit the National Data Center's website at www.ndc.org to access your bankruptcy case.
Is there a ceiling to how much I can pay at one time?
Yes. The limit is $9,999.00 per transaction. This limit is subject to change.
Yes. If you are unable to make the full monthly payment owed at one time, you may make several smaller payments throughout the month.
May I set up recurring payments?
No.
Will I receive a receipt upon making a payment?
Yes. You will receive an automated email receipt with your payment information listed in the body of the email. You may also click the View Payment Activity button to view and print prior payments made via ePay.
Payments may be declined for several reasons. If you receive an email from the Chapter 13 Trustee that your payment has been declined, or if your payment has not been transferred from your bank account, please contact the Chapter 13 Trustee’s office at ePayquestions@ch13cleve.com or call 216-621-4268 and follow the prompts for ePay to help determine why the payment was not processed. It may take several days for the Chapter 13 Trustee to receive the reason from the bank.
What happens if my payment is returned as non-sufficient funds (NSF)?
Before you start the payment process, it is important for you to verify that your bank account has sufficient funds to cover the transaction. If you submit a payment without having enough funds in your bank account to cover the transaction, the result will be an NSF transaction. If this occurs, your bank account will be overdrawn and you may suffer consequences from your bank. In addition, if your payment is returned due to non-sufficient funds or for any other reason, your ePay account will be locked immediately and you will not have the option of using ePay for the duration of your bankruptcy case. You will then be required to make your monthly plan payment by using Cashier’s Checks, Money Orders, or TFS Bill Pay.
The Chapter 13 Trustee reserves the right to lock an ePay account and prevent a debtor from making payments online. There are several reasons why your account may be locked. The main reasons include: a non-sufficient funds (NSF) payment, a debtor placing a stop payment on submitted funds, or the conversion or dismissal of your bankruptcy 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 Chapter 13 Trustee’s P.O. Box in Memphis, Tennessee or you may submit your payment electronically using TFS Bill Pay.
Where can I find a full payment history for my case?
For a full payment history of your case, please visit the National Data Center's (NDC) website at www.ndc.org.
What is the difference between ePay and the ACH automatic monthly checking or savings account deduction program?
When you register for ePay, you have the option to make a payment in an amount of your choosing at any time (as long as the full payment is received prior to the due date). Also, with ePay you may conveniently switch back and forth between ePay and sending a cashier’s check or money order. When you register for the ACH program, the Trustee debits your bank account for your plan payment on the same day of every month until either you notify us in writing to terminate the debit, your plan is complete, or your case is dismissed or converted. If you are eligible for the ACH program, please complete and return the Automatic Payment Enrollment Form to the Trustee's office. The form can be found on the Trustee's homepage by clicking here.
