When your attorney files your Chapter 13 bankruptcy, you will usually have to make monthly plan payments to the Chapter 13 trustee. The first plan payment is due 30 days from the date your bankruptcy petition was filed.
In Colorado, you must mail your payments to: P.O. Box 1169, Denver, CO 80201. Payment should be made to Sally J. Zeman. The Chapter 13 trustee only accepts checks, money orders, and certified bank checks. The trustee does not accept cash.
If you have any questions about when your plan payment is due or the amount that you must, you should talk to your Colorado bankruptcy attorney right away. Failure to make your plan payment could result in dismissal of your case.
On its website, the Chapter 13 trustee offers this piece of advice to debtors who are considering filing their own Chapter 13 bankruptcy:
While there is no law against a person filing a Chapter 13 bankruptcy without an attorney (“pro se”), it is in the debtor’s best interest to obtain the services of a bankruptcy attorney when filing a case. Most of the fees required by an attorney for filing a Chapter 13 bankruptcy are usually paid through the plan (over 3-5 years, the usual length of a Chapter 13 bankruptcy) and the monthly payments (and the total to be paid over the period of the plan) are not affected by the presence or absence of attorney fees (i.e. you’ll usually end up paying the same amount of money into your Chapter 13 whether you have to pay attorney fees or not but you’ll save yourself A LOT of trouble if you get a lawyer).
