Automated Clearing House (ACH)

ACH is a system to automatically deduct Plan payments directly from a bank account. This is available only when an income deduction Order cannot be implemented. An Order must be entered with the Court before an ACH can be initiated with our office. See E.D. Mich. LBR 1007-1(c) for more information.

**DO NOT SEND THE ACH FORM AND BANKING INFORMATION to the trustee UNTIL THE STIPULATION AND ORDER IS FILED WITH THE COURT!!

The ACH will not be set up for transfers until the executed stipulation and order is filed with court.

Once the stipulation and order are executed by the trustee and returned to you, file the executed Stipulation and Order with the court.

Once you the Stipulation and Order is filed, upload the executed Authorization Agreement for Pre-Authorized Payments (ACH).

  • AUTHORIZATION AGREEMENT FOR PREAUTHORIZED PAYMENTS (ACH)
    • Upload the completed ACH activation form (following all directions)  as a single document (XX-XXXXX_3716_ACH_Agreement.pdf where XX-XXXXX is the Chapter 13 case number) to our office using https://www.bkdocs.us and we’ll activate the ACH payments. If you add the case number to the file name shown above and upload it to bkdocs.us, it will add the complete the case number field and select the correct form type automatically. Adding the case number and the form type number to the file name as shown above will add the complete the case number field and select the correct form type automatically when uploading it to bkdocs.us, Upon receipt and verifying the information, we will activate the ACH agreement as requested.
  • AUTHORIZATION FOR TERMINATION OF PREAUTHORIZED PAYMENTS (ACH)
    • Upload the completed ACH termination form (as a single document) in the following naming convention (XX-XXXXX_3716_ACH_Termination.pdf where XX-XXXXX is the Chapter 13 case number) to our office using https://www.bkdocs.us . Adding the case number and the form type number to the file name as shown above will add the complete the case number field and select the correct form type automatically when uploading it to bkdocs.us, Upon receipt and verifying the information, we will deactivate the ACH agreement as requested.
  • Checklist of ACH Documents: A list of everything needed to get an ACH transfer of funds started with our office.
  • ACH Transfer Dates are on the 5th or 17th of each month. If the ACH dates are too rigid, debtor should use the TFS option.

NOTE: If the TFS option is selected, the  Stipulation and Order Excusing Entry of Third Party Payment Order and Order to Debtor to remit Payments to Chapter 13 Trustee by Electronic Transfer of Funds is still required via bkdocs.us .

Funds will be transferred from debtor bank accounts and credited towards plan payments generally the 5th and 17th of each month. An order allowing payments via ACH and a completed ACH Authorization form must be submitted to our office by the “ACH Documents Due Date”. Note that ACH does not work on weekends and holidays. We will submit the request for an electronic deduction within the next business day.