A trustee payment is the money that a debtor is obligated to pay to his or her chapter 13 bankruptcy trustee, usually on a monthly basis. The payment typically consists of a debtor’s disposable income, which is the money left over after paying for necessary living expenses. The funds are used to pay back creditors all or a portion of the money owed to them. Payments are made over the course of 3 to 5 years depending on various circumstances. The chapter 13 trustee collects the payments, subtracts a small percentage for his or her services, and disburses the remaining portion to creditors.