When all of the creditors in your chapter 13 plan have been paid, your case has been completed.

Termination of Wage Order: When the Chapter 13 Plan has been completed or if the case is dismissed for any reason, a letter by the Trustee’s Office will be sent to the employer terminating the Wage Order Deduction. If your employer has any questions or concerns with wage deductions, advise the Trustee’s Office and we will contact your employer. Most employers have been very cooperative in assisting with payroll deductions for employees involved in Chapter 13 Bankruptcy. If there is a delay between the time payments through your old employer cease and payments through your new employer begin, you are responsible for making direct payments to the Trustee.Įmployer Responsibility: It is a violation for an employer to discharge an employee or take any other disciplinary action because of a Wage Deduction Order. A new Wage Deduction order must be prepared and sent to the new employer.

This notification must be made in writing. It is also your responsibility to continue with the plan payments in the event there are missed days from your place of employment due to vacation, illness or termination.Ĭhange of Job: If you change jobs, notify your attorney and the Trustee’s office immediately. bi-weekly, semi-monthly or weekly).ĭebtor Responsibility: It is essential that you make direct payments to the Trustee’s lockbox until you actually see the plan payments being deducted from your paycheck. Amounts will always be deducted in equal installments determined by the frequency of your pay schedules (i.e. This money will never be deducted in one lump sum. Your employer will then make your plan payments for you by deducting the total monthly payment from your pay and sending that money to the Trustee’s lockbox address. A Wage Deduction Order, signed by the Bankruptcy Judge, will be issued to your employer. Some debtors either voluntarily or by suggestion of the Chapter 13 Standing Trustee choose a Wage Deduction as a more convenient way to fund their Chapter 13 Bankruptcy. (3) proof of social security number and (4) market analysis on any real estate. You should bring with you: (1) recent pay stub, (2) picture I.D. After the second date, if you fail to appear your case could be dismissed. If you cannot come on the scheduled date, you must request a new date from the Trustee’s office three (3) days before the date you are to appear and must have a valid reason for your request. If you fail to appear at the 341(a) meeting, your case may be dismissed. There are no accommodations for children. If a petition was filed by a husband and wife, both must be present. You and your attorney are required to attend the 341(a) meeting. Copies of the transcript may be requested from the Trustee’s Office for a fee. Any creditors who appear will also be given an opportunity to ask questions. In other words, everyone you owe money to, everything that you own, all sources of your income, the reasonableness of all budgeted expenses and whether your proposed plan payments are sufficient to pay off your creditors during the term you propose. The 341(a) Meeting of Creditors is a hearing where the Trustee or the Trustee’s Staff Attorney will ask you questions, under oath, about your assets, your liabilities and the feasibility of your plan. Your monthly mortgage payment must be made directly to your mortgage company. When you submit your payment to us, do not include your monthly mortgage payment. If you do not make your monthly payments, your case may be subject to dismissal. We will not apply extra payments to preceding months. You may send in more than your monthly payment, but you still must make the next months payment. All payments are due on or before the first business day of each and every calendar month. If a payment is missing please contact us immediately and let us know the receipt number so that we can trace it. Every 6 months you will receive a report of all payments posted to your case. Please keep a log of the payments you make to our office. Once you send your payment to the lockbox it takes approximately 3 to 5 business days before it is posted by our office. We are no longer permitted to accept payments at our office, if you send your payment directly to our office it will be returned to you. Please make all payments payable to Marie-Ann Greenberg, Trustee and send them to our lockbox address : P.O.

If you send us an incorrect form of payment it will be returned to you. We DO NOT ACCEPT personal checks, cash or internet bank checks. Payments made by you must be in the form of a certified, cashier’s or bank check or a money order.

Trustee motion to dismiss chapter 13