The Online Payment System is an approved alternative to the use of cashier's checks and money orders by using your checking or savings account to make direct payments to the Trustee. This is an instant payment system, in conjunction with our bank, to provide a verifiable, trustworthy, and more convenient payment option.
In order to use this payment system, you must have an internet connection, your Case Number, the last four digits of your Social Security number, a checking or savings account, and a valid current e-mail address.
Registration: Start by selecting the "SunTrust Registration" in the Registration box above. This will direct you to the ePay Online Payment Center so you may begin the registration process. Please fill out the registration page and click Next when done. The next page will ask you for your Online Payment ID. This ID number consists of your case number (year and number without the leading or trailing letters, dash or any spaces)and the last four digits of your Social Security number. For example: If your case number was A18-11111-ABC and your Social Security Number was 123-45-6789, your Online Payment ID would be 18111116789. After inputting your Online Payment ID twice, click Next. The next page will provide you one last opportunity to verify your information before submitting. Click Submit Registration if your information is correct.
Making a Payment: Log in and begin by choosing the amount to pay. You will have the choice of making your Current Monthly Payment or another amount. Next, key in your checking or savings account information and select what type of account it is. Routing numbers are always 9 digits long and to the left of your account number (Note: DO NOT use a deposit slip to obtain your routing number. The deposit slip routing number is typically different from the routing number associated with the checking account). Click Submit Payment once your payment information has been input.
1. 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.
2. Do I have to use E-Pay?
No, you may continue to mail your Cashier Checks, Money Orders or Personal Checks. You should not use E-Pay to make your monthly plan payments if you have a mandatory payroll deduction order and your payments are being deducted from your paycheck. However, you may use E-Pay to make other one-time payments, such as tax refund payments, to the Trustee.
3. Once I have registered, do I have to use E-Pay every month?
No, you may continue to mail your Cashier Checks, Money Orders or Personal Checks.
4. What is my E-Pay Online Payment ID?
Your Online Payment ID is a combination of your case number (year and number without the leading or trailing letters, dash or any spaces) and the last four numbers of your Social Security number (SSN). For example: If your case number was A18-11111-ABC and your Social Security Number was 123-45-6789, your Online Payment ID would be 18111116789.
5. Do I need to remember and input my E-Pay 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 E-Pay.
6. I have forgotten my username. How do I find out what it is?
On the login page of the E-Pay 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.
7. 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 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.
8. 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.
9. 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.
10. 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.
11. 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 payments by using Cashier's Checks or Money Orders and mailing them to our office.
12. 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 Time will be debited from your account the next business day. Please visit the National Data Center at www.ndc.org in approximately 3 business days if you would like to verify that your payment has been posted to your case.
13. 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.
14. Is there a ceiling to how much I can pay at one time?
Yes, the limit is $9,999.99 per transaction.
15. 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.
16. What is the Bank Processing Fee of $2.00?
This fee covers the administrative cost for our bank to offer you the E-Pay service. The Trustee does not receive this money.
17. Why are my payments held for 40 days?
This is done to protect the Trustee in case the payment comes back as Non-sufficient Funds (NSF.) After the 40 days, the funds are available for disbursement to your creditors.
18. Are all of my bankruptcy payments listed in the E-Pay Payment History?
The E-Pay Payment History only displays the 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.
19. What does this message mean when I'm trying to log in?
At this time there is no payment data available or there may not be a payment due. Please use the Contact Us link on the login page if you need additional information.
If you receive this message when trying to log in, your account may be locked. See the next question below regarding locked accounts.
20. 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, 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 our mailing address.
21. Where do I find my monthly payment information?
Please visit www.ndc.org for your monthly payment information.
22. Can I make a payment over the phone?
As of March 1, 2018, we no longer offer telephone payments. However, our online payment system accessible from our website, wwww.atlch13tt.com, can be accessed from your mobile smart phone or tablet as well as from a personal computer. If you do not have access to a personal computer, we encourage you to check your local library as many offer public computers which you can use to make your payment.
23. 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.
If you have elected on the prior page to make a single payment from your checking/savings account identified on the prior page, then you authorize us to initiate a single debit entry to that account in the amount and on the date specified on the prior page.
You acknowledge that the origination of debit entries to your checking/savings account must comply with the provisions of U.S. law. You authorize any financial institution through which any such debit entries are processed to use any data you provide to process these debit entries, and consent to that data being sent outside of the United States in connection with such processing and any related activities.
If any debit entry to your checking/savings account is returned unpaid for any reason then you agree to pay us a fee of $5.00 and authorize us to initiate a separate debit entry in that amount to your checking/savings account.
If any debit entry to your checking/savings account is returned as insufficient or for stop payment then you understand your access to this system may be revoked and you may no longer be eligible to initiate payments using this system.
Payment Timing and Disbursement
All payments are placed on a 15 calendar day hold by the Trustee to guarantee validity of funds. Funds are subject to disbursement in the next disbursement cycle following expiration of the 15 calendar day hold. If your case is dismissed, completed or converted following any payment received by the trustee using this ePay system, no such funds will be refunded to you until at least sixty (60) calendar days have passed since the payment receipt.
Consent For Electronic Signatures and Records
Introduction. In order to receive delivery of invoices and make payments through this website, you must consent to the use of electronic signatures and electronic records for those invoices and payments and for all agreements, disclosures, notices and other communications relating to those invoices and payments (all of which are referred to in this consent as the "Records"). Once you have given your consent, we may deliver or make any of the Records available to you by (a) posting them to the relevant page of your account on this website or (b) sending them to your e-mail address as then reflected in our records. Records posted to your account will be electronically accessible for at least 24 months unless your consent is withdrawn as specified in the "Withdrawing Your Consent" section below; or your access to the system is revoked due to insufficient funds or a stop payment. If your consent is withdrawn or your access to the system is revoked, you may obtain information regarding records posted to your account by emailing us at firstname.lastname@example.org. You may review, print or download those Records by logging into your account and accessing the relevant page. The following material is intended to provide you with important information you should consider before giving your consent.
Option for Paper or Non-Electronic Records. You may obtain a paper copy of any Records by mailing a written request identifying the specific Record(s) to us at email@example.com. There is no charge for paper copies requested by mail.
Scope of Your Consent. Your consent to the use of electronic signatures and electronic records applies to all invoices delivered and payments made through this website and all Records relating to those invoices and payments.
Hardware and Software Requirements. To access and retain electronic records of the Records, you must use computer hardware and software that meets the following requirements:
1) A PC or MAC compatible computer or other device capable of accessing the Internet
2) An Internet Browser software program that supports Secure Sockets Layer V3 or TLS 1.0 such as Microsoft� Internet Explorer or Mozilla Firefox�
3) A PDF file reader like Adobe, Acrobat Reader, Xpdf, and Foxit.
To print or download electronic records of the Records, you must have a printer attached to your computer or sufficient space on a long-term storage device, such as your computer's hard disk drive, a flash drive or other removable media.
Withdrawing Your Consent. You are free to withdraw your consent to the use of electronic signatures and electronic records at any time and without paying us any fees. To withdraw your consent, you must mail a written notice of that withdrawal to us at firstname.lastname@example.org. A withdrawal of your consent does not become effective until we have received and had a reasonable period of time to implement it. Once a withdrawal of your consent becomes effective, you will no longer be able to electronically access the Records or otherwise use this website. However, a withdrawal of your consent does not affect the legal effectiveness, validity or enforceability of any transactions, electronic signatures or electronic records of any Record entered into, provided or made available before that withdrawal becomes effective.
Updating Your Contact Information. You should keep us informed of any change in your e-mail or physical mailing address. You may do so by mailing a written notice of the change to us at email@example.com. Any update to your contact information sent to this e-mail address, will effect only your on-line payment information.
Any address change or contact information related to your bankruptcy case and/or for the purpose of receiving communication from the U. S. Bankruptcy Court, your bankruptcy attorney or your Chapter 13 Bankruptcy Trustee, must be filed with the U. S. Bankruptcy Court on the appropriate Address Change Form. It is recommended that you contact your bankruptcy attorney.
Website Administrator: firstname.lastname@example.org