How to make chapter 13 payments

This is intended to be a pretty detailed explanation of the hows and whys of making your plan payments. If you have any questions about how or when to make your payments, please contact our office at (816) 472-1655.

The 2 big rules for making your plan payments are:

  1. Make your first payment within 30 days of filing, and
  2. Don’t fall more than 2 months behind.

If you can’t make the full payment all at once, send what you can and catch up later.

If you are making the payments yourself, the best plan is to spread the payment out and send a partial payment each pay day. For example, if your payment to the trustee is supposed to be $1,300 every month, you could instead send $600 every other week. Over 12 months, it works out to the same amount. If that works best for you, we would be happy to calculate the correct amount to send every pay day.

How to submit the payments

Wage Order

A wage order is what we call it when you have your plan payment taken straight out of your check. Like child support, it is not an involuntary garnishment but a way to simplify the payment process.

Even on a wage order, however, it is your responsibility to make sure the payments are made. At the start of your case, you will need to submit the payments yourself as described below until your employer takes it over for you. If your employer ever stops withholding, send the payment yourself and contact our office immediately to get your payments back on track.

Making the payment yourself in Missouri

Pay by check:
Richard V. Fink, Trustee
PO Box 1839
Memphis, TN 38101-1839

  • Takes 1-2 weeks for your payment to post to the trustee’s system
  • Make sure to include your case number in the memo field of your check

Pay online
Submitting your chapter 13 payment online is a secure, convenient alternative to the use of personal checks, cashier’s checks and money orders by using your checking or savings account to make electronic payments. 

Online ePay

  • Allows single payments in any amount at anytime from anywhere
  • Takes 1-2 days for your payment to post to the trustee’s system
  • $2 per transaction

TFS Bill Pay

  • Allows single payments as well as scheduled payments to recur automatically
  • Takes 5-7 days for your payment to post to the trustee’s system
  • $.99 – $7.99 per transaction, depending on the amount

Making the payment yourself in Kansas

Pay by check:
W.H. Griffin, Chapter 13 Trustee
PO Box 412573
Kansas City, MO 64141-2573

  • Takes 1-2 weeks for your payment to post to the trustee’s system
  • Make sure to include your case number in the memo field of your check

Pay online:
Submitting your chapter 13 payment online is a secure, convenient alternative to the use of personal checks, cashier’s checks and money orders by using your checking or savings account to make electronic payments. 

TFS Bill Pay

  • Allows single payments as well as scheduled payments to recur automatically
  • Takes 5-7 days for your payment to post to the trustee’s system
  • $.99 – $7.99 per transaction, depending on the amount

Pay in person:
TFS Money Gram

  • Use your TFS Money Gram card to submit your payment at any MoneyGram location in the country including Walmart, CVS, and more.
  • $8.99 per transaction