When Does the Postal Service Deliver Your Chapter 13 payment?  

How Quickly Does the Postal Service Deliver Your Chapter 13 payment?
When you are in Chapter 13, you need to make your monthly trustee payments on time–especially in the first four months of the case. So it doesn’t help that our Chapter 13 Trustee in Alexandria, Thomas Gorman, gets his payments at a bank in Memphis.
Memphis Tennesee is scheduled for three day delivery from Northern Virginia.
The Postal Service tries to deliver mail from Virginia to Memphis in three days. Last year, they only hit that three-day-goal 68% of the time. (Down from 75% the year before.)
So in the first four months of your case, you can expect to have at least one payment arrive late.  I’ve often seen them take over a week. And, if the Chapter 13 Trustee doesn’t like your case for some reason, late payments can push him over the edge, He will ask the judge to throw your case out.
Tracking Slows it Down
When you mail your Chapter 13 payment regular mail, it goes straight from the PO box to the bank. If you send it tracking, someone has to scan it in. That can often add another day or even two.
(I recomend mailing your checks using the bill pay feature on your banking app.  That way you at least have proof the check was mailed, because your bank is mailing it. How do you know if a bill pay check arrives? When it clears your bank.)
No, You Can’t us FedEx or UPS
The bank in Memphis gets their mail at a post office box. FedEx and UPS don’t deliver to PO Boxes.
Mail Your Chapter 13 Payments Early
Mail them early. Really, mail the payments early. At least eight days before the deadline. Make sure you have the money in your account--sometimes the mail does get there quickly.
For many people, late mail delivery can be the biggest stress in getting your Chapter 13 plan approved.
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