Success in Chapter 13: What You Need to Know

You want to be one of three consumers who succeed in Chapter 13.  As the lawyer in over a thousand successful Chapter 13 cases, I’ve collected tips for success in Chapter 13.

The Chapter 13 Trustee in Northern Virginia is Thomas Gorman

When you file Chapter 13 bankruptcy in Alexandria Virginia, you make payments to the Chapter 13 Trustee, Thomas Gorman. But you do NOT send them to his Alexandria address.  There’s a bank in Memphis that handles Chapter 13 payments for most of the bankruptcy courts in the country.  You send your payment to:

You mail your monthly Chapter 13 payment to a bank in Memphis.

                                               Thomas Gorman, Trustee 
                                               P.O. Box 1553 
                                               Memphis, TN 38101-1553

Be sure to put your case number on your check. Make the check payable to Thomas Gorman, Trustee.

I have a lot more info on Chapter 13 Trustee Thomas Gorman, here.  PS, His physical address is 1414 Prince Street, Suite 202, Alexandria VA.  You should never have to go there.

Pay Your Mortgage On Time

Did you file Chapter 13 to protect your house? Then make your house payment on time.

In Chapter 13, make that house payment on time!

Each month you are in Chapter 13, besides making your payment to the Chapter 13 trustee, you need to make your mortgage (or rent) payment. If you get in a short-term jam and are slipping behind–tell me!–but make the house payment first.

Here’s why. If you get thrown out of Chapter 13, you are out of Chapter 13.  If you get thrown out of the house, you are out of your house.  I explain more about that, here.