The office of the Standing Chapter 13 Trustee services parties in Chapter 13 Bankruptcy cases in the Eastern District of Missouri. The Trustee accepts queries regarding case status by mail or by phone; contact information is shown below. The Trustee will not respond to requests for information via e-mail.
The Trustee's office cannot provide legal advice. If you are a debtor in Chapter 13 who needs advice about your Chapter 13 case, please contact your attorney for assistance.
PROVIDING DOCUMENTS TO THE CHAPTER 13 TRUSTEE PRIOR TO TELEPHONIC 341 MEETINGS
This information applies ONLY TO CHAPTER 13 CASES in the Eastern District of Missouri
The Chapter 13 Trustee has established two new electronic document upload options on the Trustee's web site to be used for telephonic section 341 meetings. One document upload option is for submission of proof of social security number and picture identification. The second upload option is for the signed statements under penalty of perjury. These options are accessed and used in the same manner as the electronic upload options for tax returns and pay advices. The documents should be uploaded no later than the day prior to the section 341 meeting so that they will have time to download into the Trustee’s system before the meeting.
If you are unable to use the Trustee's electronic document portal, DO NOT EMAIL proof of social security number or picture identification to the Trustee. Instead, send the information via US mail to the Trustee’s St. Louis lockbox.
The Chapter 13 Trustee believes that the Chapter 13 Bankruptcy Office is an "essential business" as defined in the St. Louis County Department of Health Stay at Home Order. At this time, the office will remain open Monday through Friday from 8:00 am to 4:30 pm. The office will be operating with a reduced staff for employee safety. This may cause delay or changes in some services and our office may not be as easy to contact or as quick to respond as in normal times.
The Chapter 13 office is mindful that the current pandemic will cause delay in review, confirmation and implementation of Chapter 13 plans. We are taking steps to anticipate, respond to and mitigate as best we can the harmful effects. We know that many Chapter 13 debtors will have reduced income during this time and, to the extent we have the ability to exercise discretion, we will give people time to get back on their feet. This is a rapidly changing situation, so the details of our response are fluid, but we will prioritize the basic functions needed to maintain the flow of Chapter 13 funds.
The Trustee has added a facility to the web site to allow the secure electronic submission of tax return and pay advice documents by debtors' attorneys.
The Trustee offers two options for submitting Chapter 13 plan payments online.
The TFS System allows debtors to submit payments online, schedule regular payments, make cash payments at MoneyGram locations, and more.
The Trustee's ePay system also allows debtors to submit payments online.
Beginning May 1st, 2020, the Trustee's percentage fee will be 7.0%. Feasibility calculation requests will be calculated at 8.0%
The interest rate for secured claims in the Eastern District of Missouri changes to 6.25% effective 1/1/2020.
Please see the document linked below for the procedure to obtain the Chapter 13 Trustee's consent to a motion for relief from the automatic stay to avoid the filing fee under Local Rule 4001-1.
The Trustee has recently received approval to participate in the Trustee Education Network's program offering an online financial education course meeting the education requirement for debtors in Chapter 13.
The web site for the class is:www.13class.com
The Trustee's Trustee identification number for the class is TEN13022. Please see the flyer linked below for more information.Click Here to view the flyer.
The bankruptcy court has released a new model plan form for Chapter 13 cases.
You can find the model plan form here:
The Court is directing that “Within fourteen days of filing federal and state income tax returns, Debtor shall provide a copy of each return to the Chapter 13 Trustee.”
All debtors are obligated to send the Trustee their tax refund according to the terms of the confirmed plan.
Tax returns should be sent to the Trustee by ordinary mail. The Trustee will not accept returns via e-mail.
Failure to comply may result in a motion to dismiss the case.
Per the Standing Trustee Handbook:
"At the meeting of creditors, each individual debtor must present original government-issued photo identification and confirmation of the debtor's social security number. ...Any document used to confirm a debtor's identity and Social Security number must be an original."
Copies of debtors' Social Security cards will no longer be accepted. Acceptable forms of proof of Social Security number include: Social Security card, medical insurance card, pay stub, W-2 form, IRS Form 1099, and Social Security Administration Statement.
The Trustee is now making disbursements to debtors' attorneys via Electronic Funds Transfer. Attorneys representing debtors who would like to participate should complete the authorization agreement found below and mail it to the Trustee's office. Please contact us with any questions!Click here to access the Attorney EFT Authorization Form
The Trustee's disbursement cut-off date for May, 2020 is Friday, May 22nd.
Please see the following notice regarding continuance procedures for confirmation hearings, motions to amend Chapter 13 plan, motions or objections filed by the debtor, and motions or objections filed by the Trustee:Click Here
Please review the announcement at the link below of a new Chapter 13 procedure for the filing of mortgage claims by debtors' attorneys:Click here to view the announcement.
The U.S. Trustee Program has developed "Guidelines for Reviewing Mortgage Claims" for implementation by all Chapter 13 Standing Trustees. These guidelines are available here:Guidelines for Reviewing Mortgage Claims
Note that Local Rule 3001-A requires a breakdown of the amount identified as pre-petition home loan arrearage.
The NACTT Academy for Consumer Bankruptcy Education, an outgrowth of The National Association of Chapter Thirteen Trustees, seeks to educate the general public as well as legal and financial professionals about the benefits of Chapter 13 in order to maximize the effectiveness of filings. The Academy’s website serves as a resource for anyone involved in consumer bankruptcy issues, specifically Chapter 13. The Academy hopes to increase awareness of the benefits of Chapter 13 and to improve consumer bankruptcy practice nationwide.
We encourage you to visit the Academy website at ConsiderChapter13.org as a primary resource for all of your electronic bankruptcy needs and interests.
The Trustee's web site now offers vouchers for disbursement checks up to one year old through the web site. After login, in the Main Page search box, you can now search for check numbers by prefixing a pound sign to the check number. In addition, in the claim detail, creditor detail, and payment listing for any case, the check numbers for which a voucher is available will appear as hyperlinks which display the associated voucher in a new window. The voucher display includes a link to a version of the voucher as comma-separated values suitable for import into Excel or other spreadsheet programs. Please contact the Trustee's office with any questions!
The Trustee's web site now offers a plan calculation program to help attorneys assess feasibility, estimate a plan's payout potential, analyze the effects of changes to claims, delinquency, and confirmation delays on a plan over time, and more. In order to effectively use the program, it is essential that all interested users review the documentation available below. After reviewing the documentation, users interested in more detailed advanced training should contact our office for an appointment.
NOTE: The Trustee makes no representation or assurance concerning the accuracy or completeness of results obtained via Plan Calc. The operation of Plan Calc has no bearing on or relationship to the actual disbursement of trust funds by the Trustee. The Trustee does not warrant that the operation of Plan Calc will be free from error or defect.
The trustee will provide a figure to pay the balance of a case as required by law only on request of debtor's counsel and only to the person as requested by debtor's counsel. However, with the proper authorization to a lending institution, the figure to pay the balance of a case as required by law will be provided to the designated institution if debtor's counsel has a motion to refinance or incur debt pending.
The Trustee's case information is now available to debtors and other parties in interest through the National Data Center. Please visit the National Data Center web site for more information.
The Trustee's office offers delinquency information on active cases through this web site. Users should be aware that this information is offered for your convenience, but the Trustee offers no guarantee of currency or accuracy. Generally, information on active cases should be accurate within two days of receipts and payment due dates. Nevertheless, in order to obtain the most current and accurate delinquent amount, users should calculate the debtor's delinquency themselves using the plan terms and the Trustee's record of receipts. Please note that delinquency information on dismissed or converted cases is NOT offered. Users seeking delinquency information for dismissed cases must calculate the delinquent amount manually, or call the Trustee's office for assistance.
Access to Chapter 13 case information is available online to parties in interest who have read and completed the access agreement available on this page. Interested parties should download and complete the access agreement and mail the original to the address below. Please contact the office for more information.
Chapter 13 Trustee
P.O. Box 430908
St. Louis, MO 63143
Chapter 13 Trustee
P.O. Box 2112
Memphis, TN 38101-2112