Chapter 13 Trustee
Eastern District of Tennessee
Southern and Winchester Divisions

Electronic Payment Enrollment

Payment by ACH Credit

The Chapter 13 Standing Trustee is pleased to offer you the ability to make your payments for bankruptcy debtor Wage Order deductions by Automated Clearing House (ACH) transfers. ACH transfers are similar to, but not exactly the same as, Electronic Funds Transfers (EFT) or Wire Transfers. The funds will be deposited directly into a Trustee bank account. This process can eliminate sending multiple checks for each payroll. The specific method is via ACH Credit with CCD+ Addenda - your company initiates the transaction against your account.

Processing Rules and Conditions

The Trustee requires the detail information as CCD+ or CTX addenda records. CCD+ or CTX is required for employers making electronic payments for child support, so if you make child support payments, you can make bankruptcy payments with this format.

The CCD+ or CTX detail can be changed to be specific for the bankruptcy payments. The trustee will provide a sheet showing which fields to modify.

CCD+ or CTX addenda format also relieves the employer from having to send supporting detail for each deposit. It is already included in the information the bank provides.

There MUST be a reliable contact person in the event of problems or other questions. If a contact person leaves employment, the company must provide another contact person.

Obtaining Bank Information

If your company is interested in paying Wage Orders electronically, contact the webmaster on the home page of the website.

Contact by email helps us assure that we have a contact's valid email address.

Payment by TFS BillPay for Employers

An alternate way would be to use TFS BillPay, a third party provider we use. You can get more information at 888-800-0294 or at

There is a charge for using TFS, but you would not have to worry about sending the support with each payment.

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