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Post Filing Guide

Ch. 13 Clients

Ch. 13 Imperative to Understand

  1. If you have a mortgage. You must make every payment in full each month. Or the creditor can lift the bankruptcy protections and foreclose on your home

  2. If you have a car payment you must make that payment every month or the credit can lift the bankruptcy protections can repossess the car.

  3. ​If you want to receive your bankruptcy discharge. You must make all your bankruptcy court payments to reach the end of the case. If you do not the judge will dismiss your case.

Deficiencies or Objections

  • If you receive a deficiency or an objection do not worry.

  • These are perfectly normal in a bankruptcy case

  • We will cure any deficiency or objection.

  • To do this we will contact you 2.5 months after the case filing to file an amendment

  • You will sign the amendment, we will file it and get the case confirmed

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Plan Payments

  • Make sure you plan payments are going out every month.

  • TFS can take up to four days for the money transfer out of your account.

  • If money is not leaving your account you are not making payments and the court will dismiss your case.

  • If payment fails TFS will suspend your account you will need to go into TFS and reactivate your account - there is a fee to reactivate

Monitor the Case

  • Ch. 13 Debtor Portal

  • https://www.ndc.org/debtor-registration

  • Click the link and create an account: the trustee's name is Karie L. Fahrenholz (Metairie)

  • From here you can see your payments and who is being paid in your case

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Mortgage Payment & Communication

  • If you have a mortgage make sure you make the payment every month

  • If you do not the creditor will remove the bankruptcy protection and FORECLOSE on your home

  • If you mortgage company stops accepting online payment you must start mailing them a check

  • You can call you bank and have a check go out automatically every month on a set day

  • After filing bankruptcy some mortgage companies will not communicate with you

  • If this happens complete the mortgage authorization form, call them to find out where to send it, then send it to them 

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Car Payments

  • You must make you car payment every month

  • If you do not the creditor will remove the bankruptcy protection an repossess your car

  • Some car creditors will stop accepting online payment you need to start mailing them a check

  • If this happens you can call you bank and have them mail a check to go out automatically every month on a set day

  • If you can no longer afford your car you can ask you attorney about surrendering it

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Ch. 13 Confirmation Hearing

  • You will get letters about this

  • THIS IS NOT A MEETING YOU ATTEND

  • Your attorney will handle this meeting for you. It is a meeting of bankruptcy attorneys and the bankruptcy Judge

  • So do not worry about needing to be somewhere or on the phone.

  • If we need to file an amendment prior to this meeting we will let you know

Ch. 7 Clients

Office Work

Bank Statements

  • Please email to fslawf@gmail.com the past 6 months of bank statements for every bank account listed on your bankruptcy petition.

  • Please email within a week after the petition signing

  • These documents are requried for your 341 meeting

Office Work

Ch. 7 & Ch. 13 Clients

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341 Meeting

  • Will occur one month after your bankruptcy filing.

  • Look in mail for a letter about information on when it is and the credentials to log into zoom.

  • Mark and clear your calendar for the meeting. It is required

Credit Counseling Course 2

  • You will need to take the second credit counseling course after filing.

  • Below is a link to do so

  • After completing it text 504-900-8024 that you have completed it

  • We will file it with the court

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Bankruptcy Discharge

  • Ch. 7 clients will receive there bankruptcy discharge 3-4 months after the filing date

  • Ch. 13 clients will receive there discharge after all payments are made (typically 3-5 years)

  • The discharge will come in the mail

Creditors Still Calling

  • If creditors are still calling after your case is filed

  • First check to see if the were in your bankruptcy petition. If they were not you can ask to add them

  • If the are in the petition. When they call tell them you have filed bankruptcy and give them your case number

  • They will leave you alone after that

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Add Creditor Post Filing

  • If you filed and forgot to list a creditor or creditors. You can add them post filing the petition.

  • To do so contact us. Send us the creditor Name, Address, Amount you owe and Account number. Text 504-900-8024

  • Also you will need to pay $34 per creditor not listed. This is what the court charges to add them post filing.

  • Only debts incurred before the bankruptcy filing date ​can be added to the petition

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Changing Mailing Address

  • If during the bankruptcy you change mailing addresses

  • Please fill out the form below so you can continue to receive mail from the court and trustee. 

  • After completed tell us you have done so and we will file it with the court thank you

Popular Q&A

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Why is my: car, house, etc. listed in my bankruptcy? I wanted to keep that

All assets and debts are listed in a bankruptcy petition. Whether you want to keep the assets or surrender them.

Why can't I make my Car / Mortgage payment online or in my app?

  • Some mortgage and car companies will stop accepting online payments after a filing

  • If you are planning on keeping that asset. Start mailing them a check

  • You can call your bank and set it up where they automatically mail a check every month

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Why won't my mortgage company talk to me?

  • Some mortgage companies will decide not to talk to you after a bankruptcy filing

  • To get them to talk to you again. Fill out the form below and fax / email it to them

Ch. 13 Motions

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Motion to Use Funds

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Motion to Sell Property

  • x

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