Office of Chapter 13 Trustee Rebecca R Garcia


Our office is now offering Epay, an online payment system for your case. Use the links below to access our online payment system

Make A Payment

Register for Epay

Questions? Check our Quick Reference Guide

Terms and Conditions


Do I have to use the Online Payment System every month?

No. You can continue to send us a Cashier’s Check or Money Order to the lockbox. However, once you have registered for the Online Payment System, you have the option each month of using the Online Payment System or sending Cashier’s Checks or Money Orders – whichever payment method is most convenient for you.

What is my Online Payment ID?

Your Online Payment ID is an 11 digit number consisting of your case number and the last 4 digits of your social security number. Do not use any dashes.
Example:Case # 11-bk-77777 SVK and Social Security No. 123-45-6789
The Online Payment ID is: 11777776789

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

On the login page of the Online Payment Center, there is a link called Forgotten your Password? The new page will ask you to input your User name and the system will send you a new password. Once you get that new password and enter the site, you can go to settings and change your password to one of your choice.

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

No. You will only need to input this ID number the first time you register, but it is a good idea to remember this number in case you have issues in the future with the payment center.  Once you have registered, you will need to use the User ID and password you created in order to log in, so be sure to remember that information.

Can I reset my password?

Yes. Once logged in, click on Settings to change your password.

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

The routing and accounts numbers are located on your checks. The routing number is always a 9 digit number and to the left of your account number. DO NOT look for these numbers on a deposit slip as the routing number may be different from your checking/savings routing number. If you are unable to find your routing and account numbers, please contact your bank for help.

Your account number may also be preceded by 0s. Some banks require you to enter the preceding 0s or they will tell us the account number is invalid and your payment will be rejected.

Example: Account 181883 may be required to be input as account 000181883. If your account is preceded by 0s please include them.

Do I need to input my Checking/Savings account information each time I make a payment?
No. The Online Payment Center will store the five most recent accounts used and you will be able to choose one from the Previously Used dropdown menu.
What happens if my payment is returned as Non-Sufficient Funds (NSF)?
It is very important that before you start this payment process you verify your bank account has enough funds to cover the transaction. If you submit a payment without having enough funds in your bank account to cover the transaction, the result will most likely 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 account will be locked immediately and you will not have the option of using the Online Payment System for the duration of your Bankruptcy Case.  You will then be required to make your monthly plan payment by using Cashier’s Checks or Money Orders. We will also charge an NSF fee of $5.00.  THERE ARE NO EXCEPTIONS TO THIS RULE.
How soon will the payment be taken from my account and be posted to my bankruptcy case?
Payments made prior to 5:00 P.M. will be debited from your account the same day and will be posted the next business day to your case. Please visit 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?
Yes. You will receive an automated e-mail with your payment information listed in the body of the e-mail.
Why are my payments held for 30 days?
This is done to protect the Trustee in case the payment comes back as Non-sufficient Funds (NSF). After the 30 days, the funds are available for disbursement to your creditors
Can I make partial payments?
Yes. If you can’t afford to make the full monthly payment owed at one time, you may make several smaller payments throughout the month. However, please keep in mind that this does not affect the due date for your payments.  Even though you have the ability to make smaller payments throughout the month, the full amount of your payment is still due on your payment due date.
What is the $2.00 Processing Fee?
The $2.00 Processing Fee covers the cost to our bank for providing this service to debtors. The Trustee does not receive this money.
Why is my online payment account locked?
There are several reasons why your online payment account may become locked. The Trustee reserves the right to lock your account and prevent a debtor from making payments online. The main reasons why the Trustee would lock an account include: a Non-sufficient Funds payment (NSF), an online payment returned for any other reason, or your case has been Converted or Dismissed. If your account has been locked and you are still required to make payments, please send Cashier’s Checks or Money Orders to the lockbox.
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?
No. Until your case has been reopened, please send Cashier’s Checks or Money Orders to the lockbox.  If your case is reopened, your Online Payment account will be unlocked. If the account remains locked even after your case has been reopened, please contact us so we can unlock the account.