Have a question? Contact us at ePayquestion@flint13.com.  Email Support is available during regular business hours. Monday through Friday from 8:00 A.M. to 4:30 P.M. Eastern time.

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 ePay?

No, you may continue to mail your Cashier’s Checks or Money Orders to our lockbox:

Carl L. Bekofske
Chapter 13 Trustee – Flint
P. O. Box 2175
Memphis, TN 38101-2175

You will not need to use ePay if your full plan payment amount is deducted from your paycheck or bank account via Employer Payroll Deduction or ACH.  However, you may use ePay to make one-time payments, such as catch up payment, tax refund payments and/or your bonus amount, to the Trustee.

What is my ePay Online Payment ID?


Your Online Payment ID is a combination of your case number (without the dash) and the last four numbers of your Social Security number (SSN).

For Example: If your case number is 15-33333 and your Social Security Number is 123-45-6789, then the Online Payment ID in this example would be 15333336789.

Do I need to remember and input my ePay Online 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 ePay.

I have forgotten my username. How do I find out what it is?

 

On the login page of the ePay Online Bankruptcy Payment Center, there is a link called “Forgotten Your Username?” The new page that opens upon clicking that link will ask for your Online Payment ID and the email address you provided during registration. Once you provide this information, the system will send you an email with your Username.

I have forgotten my password. How do I get a new one?


On the login page of the ePay Online Bankruptcy Payment Center, there is a link called “Forgotten Your Password?” The new page that opens upon clicking that link requires you to enter your username and the email address you provided during registration. Once you provide this information, you will receive an email with a new password. Enter it into the login page. When 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 ePay password?


Yes, once you are logged in to the ePay Online Bankruptcy Payment Center, click on Settings to change your password.

What types of bank accounts can be used to make bankruptcy payments through ePay?


Only valid checking or savings accounts may be used to make bankruptcy payments by ePay. 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 ePay.

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 from your checking/savings routing number. If you are unable to find your routing and account numbers, please contact your bank for help.

What happens if my payment is returned as Non-Sufficient Funds (NSF)?


Your access to ePay will be revoked 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 payments by using Cashier’s Checks or Money Orders and mailing them to our lockbox:

Carl L. Bekofske
Chapter 13 Trustee – Flint
P O Box 2175
Memphis, TN 38101-2175

THERE ARE NO EXCEPTIONS TO THIS RULE.

How soon will my bankruptcy payment be taken from my bank account and 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 day to your bankruptcy case. Please visit the Chapter 13 Network at www.13network.com in approximately 3 business days if you would like to verify that your 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?


Yes. If you can’t afford to make your full plan payment at one time, you may make several smaller payments through the month. However, please keep in mind that this does not affect the due date for your payments. Even though you have the ability to make smaller payments throughout the month, the full amount of your payment is still due on your payment due date.

What is the Bank Processing Fee of $3.00?


This fee covers the administrative cost for our bank to offer you the ePay service. The Trustee does not receive this money.

 

Why are my payments held through 1 disbursement cycle (30 – 60 days depending on receipt date)?


This is done to protect the Trustee in cases where the payment comes back as Non-sufficient Funds (NSF). After 1 disbursement cycle (30 -60 days depending on receipt date), the funds are available for disbursement on the first business day of the month to your creditors.

Are all of my bankruptcy payments listed in the ePay Payment History?


The ePay Payment History only displays the payments made through the ePay 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 13Network at www.13network.com.

What does this message mean when I’m trying to log in?


While logging in, I received the following message:

Sorry the login details that you supplied are incorrect, or your account has been locked. Please note that passwords are case sensitive. If you are experiencing difficulties with your login please select the Contact Us link at the bottom of this page.”  What does that mean?

If you receive this message when trying to log in, your account may be locked. See the next question below regarding locked accounts.

Why is my ePay account locked?

 

There are several reasons why your account may become locked. The Trustee reserves the right to lock an 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
  • The conversion or dismissal of a case

If your account has been locked and you are still required to make payments, please send Cashier’s Checks or Money Orders to our lockbox:

Carl L. Bekofske
Chapter 13 Trustee – Flint
P O Box 2175
Memphis, TN 38101-2175

If my case has been dismissed, converted or completed, when can I get a refund?

Refunds are held for at least 60 days from the date the case is dismissed, converted or completed.

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ePay_FAQ.html — Revised: 01/12/2016
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