Chapter 13 Instructions after Case has been filed:

We will send you the time and date of your 341 Zoom Hearing. Please place this on your calender.  You  will need to make sure you are somewhere quiet without background noise. The session is a 30 minute session, when they actually call your case it should be 5 minutes. Please call our office a few days before the zoom meeting to go over the types of questions that will be asked.

You will need to start your bankruptcy trustee payments. 1st payment is due approximately one week before your 341 Zoom hearing.  You can set up your payments on https://tfsbillpay.com   Because the payment is a monthly amount,  simply split the payment amount in two if you want to set up biweekly payments on TFS billpay.

You will need to remain current on mortgage and vehicles you are keeping.  If they remove online access, you can pay over the phone or set up billpay.  Please contact our office if you need assistance trying to make the mortgage and car payments.  Late payments can lead to foreclosure, repossession and hefty late fees and attorney fees. Changes in mortgage payments during your bankruptcy will always involve the mortgage company sending a mailed notice of payment change.  It is your responsibility to ensure your mortgage is being paid and in the correct amount.

After the 341 Zoom hearing, there will be an update approximately one month after the zoom.  The confirmation hearing (which you will likely not need to attend) may be rescheduled.  There will be a court notice stating “Denied with Leave to Amend” but this just means your confirmation hearing was rescheduled.  Please continue trustee chapter 13 payment, mortgage, vehicles, HOA, utilities, cell phone, insurance payments etc.  It may take several months for the payment amount to the trustee to become finalized.

We will update you if we need additional paperwork (more paystubs, tax returns, bank statements, proof of monthly expenses for you or your partner).

After the plan payment is approved if you get anything in the mail or any questions arise, please do not hesitate to contact our office.