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ePay, Trustee Online Payment Center FAQ

What should I use as my Username? Hide/Show

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. If not, please use a name or word that you will remember!

Will I receive an e-mail after submitting my registration? Hide/Show

You will receive an email from Nancy J. Whaley, Chapter 13 Trustee after your account has been approved.

Do I have to use the Online Payment System? Hide/Show

No, you may continue to send us Personal Checks, Cashier’s Checks, or Money Orders to:

Nancy J. Whaley, Standing Chapter 13 Trustee
303 Peachtree Center Avenue, NE
Suite 120
Atlanta, GA 30303

Individuals that are required to have an “EDO” Employment Deduction Order can only use ePay to make additional payments or submit tax refunds etc.

Once I have registered do I have to use the Online Payment System every month? Hide/Show

No, you can continue to send us Personal Checks, Cashier’s Checks, or Money Orders to:

Nancy J. Whaley, Standing Chapter 13 Trustee
303 Peachtree Center Avenue, NE
Suite 120
Atlanta, GA 30303

What is my Online Payment ID? Hide/Show

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

For Example: Case No. A11-88888-ATL, SSN 123-45-6789 would have an Online Payment ID of 11888886789.

Your case number is the number assigned to you by the Court. The following are examples of documents which contain your case number: Chapter 13 Plan and Notice of your Meeting of Creditors and Confirmation.

Do I need to remember and input my Online Payment ID every time I log in? Hide/Show

No, you will only need to input this ID number the first time you register. However, you will need this ID if you have issues in the future with the ePayment Center. Please keep your Online Payment ID somewhere safe for future reference.

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

On the login page of the Online Payment Center, there is a link called “Forgotten Your Password?” The new page that opens upon clicking that link, will ask for your User Name and the system will send you a new password to the email address associated with your online account. Once you receive that new password, enter it into the login page. Once 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 password? Hide/Show

Yes, once you are logged in, click on Settings to change your password.

Where do I find my Checking/Savings Routing and Account numbers? Hide/Show

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 on that document. If you are unable to find your Routing and Account Numbers, please contact your banking institution for assistance.

Do I need to input my Checking/Savings account information each time I make a payment? Hide/Show

No, the Online Payment Center will store up to 5 different accounts and you will be able to choose an account from the “Previously Used” dropdown menu.

What happens if my payment is returned for Non-Sufficient Funds (NSF)? Hide/Show

It is very important that before you start this payment process you verify that your bank account has sufficient funds to cover the transaction. If you submit a payment without having sufficient funds in your bank account to cover the transaction, the result will be a Non-Sufficient Funds transaction. If this occurs, your bank account will be overdrawn and you may suffer consequences from your bank. In addition, if your payment is returned for Non-Sufficient Funds, or any other reason, your ePay account will be locked immediately and you will not have the option of using the ePay, Trustee’s Online Payment System for the duration of your Bankruptcy Case. You will be required to make your plan payment by certified funds such as cashier’s checks or money orders. THERE ARE NO EXCEPTIONS TO THIS RULE.

Can I schedule payments in advance? Hide/Show

You may log in and schedule a payment up to 3 days in advance.

Can I set up recurring payments? Hide/Show

No, you will need to set up each individual payment at the time you are prepared to make the transfer.

Can I make more than one payment? Hide/Show

Yes, but it must be done in separate transactions. You may make successive payments but not for the same day.

How soon will the payment be taken from my account and be posted to my bankruptcy case? Hide/Show

For payments scheduled on the same day of the transaction prior to 5:00 p.m. EST, the funds will be debited from your account the same day and will be posted within 2 business days to your bankruptcy case. Please visit the National Data Center ( in approximately 3 business days if you would like to verify that the payment has been posted to your case.

Will I receive a receipt upon making a payment? Hide/Show

Yes, you will receive a confirmation email that your payment is complete. Please print this email and retain it for your record.

Is there a ceiling to how much I can pay at one time? Hide/Show

As of now, the limit is $9,999.99 per transaction.

Can I make partial payments? Hide/Show

Yes. If you cannot afford to make your full plan payment at one time, you may make several smaller payments through the month. However, you need to discuss this with your attorney. Failure to make timely and full plan payments may result in the Trustee or Creditor filing a Motion to Dismiss your case or a Motion for Relief from the Automatic Stay.

Why are my payments held for 15 days? Hide/Show

This allows time for the Trustee to verify that the funds are sufficient and that the payment will not be returned from the bank.

What is the $2.00 Processing Fee? Hide/Show

This fee covers the cost for providing this service to you.

Why are not all my payments listed in the Payment History? Hide/Show

The Payment History in the Online Payment Center only displays payments made through the Online Payment System. It will not display payments made directly to the Trustee. For a full payment history in your case, please visit the National Data Center (

Why is my account locked? Hide/Show

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. Reasons why you may be locked out may include: a Non-sufficient Funds payment (NSF), a debtor placing a Stop Payment on submitted funds, or the conversion or dismissal of your case. If your account has been locked and you are still required to make payments, please send certified funds such as cashier’s checks or money orders to:

Nancy J. Whaley, Standing Chapter 13 Trustee
303 Peachtree Center Avenue, NE
Suite 120
Atlanta, GA 30303

If my case has been dismissed or converted, can I use the Online Payment System to start making payments again if instructed by my attorney? Hide/Show

No, not until the case has been reopened by Order of the Court.

If your case is reopened, your Online Payment account will be reopened automatically. If the account does not become available within 3 business days after your case is reopened, please contact us at 678-992-1201 or so we may unlock your account.

If my question was not answered, what do I do? Hide/Show

Email us at Please include your name and case number in the email.

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