What To Expect Today 8:30 am – Judge’s Status Conference (Please Turn Cell Phones OFF) 8:45 Orientation and Personal Financial Management Class Scheduled BREAK appx. 10:40 am 12:15 pm Lunch Break 2:00 pm - 341 Hearings Begin

Amy Tate-Almy, AFC amy.tate@fwch13.com

CLASS GOALS Budget Development Money Management Wise Use of Credit Consumer Information

The average American has a financial emergency once every 18 months! The use of credit or the incurring of debt is prohibited while in Chapter 13.

90% of Americans have no savings. It is suggested that we have a savings account equal to at least 6 to 9 months of expenses.

General Information -------- is your Standing Chapter 13 Trustee. Put your case number on all payments and/or correspondence. ALWAYS mail payments to the PO Box in Memphis, TN.

Debtor Orientation Handbook My Chapter 13 Case (pg 1) Notes (pg 12-13) Glossary (pg 15-21) Forms available at back of handbook and off website

Contacting Our Office Customer Service is available from 8 am to 5 pm, M-F. 817.916.4710

Trustee Website http://www.13network.com User ID: Case # (7 digits no dashes or letters!) Password: SSN (no dashes)

Payments Wage Directive is mandatory if you earn wages or salary as income. DO NOT GIVE THE FORM TO YOUR EMPLOYER. Keep your payroll stubs and monitor your deductions periodically until your case completes. It is YOUR RESPONSIBILITY.

Payments - Continued Who is exempt? Self-employed Those receiving unemployment, SS benefits, certain seasonal, contractual or non-regular wages PO Box 1201 Memphis, TN 38101-1201

For those NOT required to be on wage directive New ePay Option For those NOT required to be on wage directive This information is contained in the Online Payment ID Reference documents available from your hearing officer at your 341 meeting or on the “ePay Quick Reference Guide” on the website.  Registration process is quick and easy –you will need: an internet connection; case number; last 4 digits of your social security number; a checking or savings account; and a valid email address.     You can make a payment – 24/7 with the payment being ‘credited’ to your case the same day if the payment is made before 5:00 p.m. Eastern time.  The money is routed out of a checking or savings account. There is a $1.50 fee per transaction. You can use this option at any time – not required to use it each month or any month

PAYMENT CONTACTS powerstrust@fwch13.com Sherri or Kristi

Claims Claims Bar Date – 90 days from 341 hearing. Governmental Bar Date – 180 days from date of filing. 3 Types of Claims: Secured Priority Unsecured

Mortgages You are paying your current mortgage DIRECT.

Call Your Attorney For any legal questions. If you cannot make your plan payment when it is due. (pg 4) If you change jobs or move to a new address. (pg 5) If you receive a Motion to Modify the Automatic Stay. (pg 5 and 6) If you need to buy or sell items. (pg 8)

Other information You must keep collateral insured, ie, house and car You will receive an annual report one year after you filed and every year thereafter until discharged IRS information – page 9 800-973-0424

If You Have a Question Debtor Orientation Handbook Website http://www.13network.com CYA - Call Your Attorney Trustee Customer Service 817.916.4710