When you file a Chapter 13 Bankruptcy, you will also file a proposed repayment plan with the Court that allows you to pay back some of what you owe to your creditors as well as the arrearage on your secured debts, (like back payments on your mortgage for example). In the past, it was up to you to make your payment to the Chapter 13 office every month by the day it was due. The Chapter 13 office required timely payments because they have a responsibility to pay your creditors on time as dictated by your Chapter 13 plan. However, recently the Chapter 13 Trustees have been asking the client’s employers to withhold their Chapter 13 payment from their paycheck and send it to the Chapter 13 office on the due date. This means that if you file a Chapter 13 bankruptcy, you can be sure that your employer’s payroll department will be contacted by the Chapter 13 office requesting a mandatory wage withholding. Most payroll departments are very accustomed to requests for wage deductions and keep all bankruptcy information confidential and very discreet. The wage deduction process ensures that the Chapter 13 office will be able to pay your creditors on time and get you through your bankruptcy on schedule.