Probably the worst way for any Portland area Chapter 13 Bankruptcy Debtor to make a monthly payment is out of pocket.  If you have a regular job this isn’t a problem, the payment is just deducted from you wages and you never falls behind. Up to now self-employed debtors haven’t had any options other than to obtain checks and mail them once a month. The success rate in Chapter 13 Bankruptcy for debtors taking this route has been abysmal but up to now there hasn’t been any other options.

I am please to report that soon Portland area Chapter 13 Bankruptcy debtors will soon be able to have their payments processed through ePay. This option is way easier and more convenient than the check route and a million times less stressful. A company called TFS will be processing the payments. Chapter 13 Bankruptcy Debtors in the Western District of Washington have been using this provider for over a year without incident.

One advantage of the electronic payments is that if you are facing a Motion to Dismiss for unpaid Plan Payments, it will become much easier to meet the deadline and submit proof of payment to the Chapter 13 Trustee. The old way of mailing a check to Memphis, TN and waiting an additional week of so for it to reach the coffers of the Portland Chapter 13 Bankruptcy Trustee will soon be a thing of the past.

If you have any questions about making electronic payments or anything else regarding Chapter 13 Bankruptcy in Oregon or Washington, please feel free to contact our offices at 503-232-5303 or book an appointment on this website

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