diff --git a/app/ledger.js b/app/ledger.js
index 9151f7ec1e1..c05a0838ddc 100644
--- a/app/ledger.js
+++ b/app/ledger.js
@@ -671,6 +671,7 @@ var initialize = (paymentsEnabled) => {
         getStateInfo(state)
 
         try {
+          var timeUntilReconcile
           clientprep()
           client = ledgerClient(state.personaId,
                                 underscore.extend(state.options, { roundtrip: roundtrip }, clientOptions),
@@ -679,7 +680,7 @@ var initialize = (paymentsEnabled) => {
           // Scenario: User enables Payments, disables it, waits 30+ days, then
           // enables it again -> reconcileStamp is in the past.
           // In this case reset reconcileStamp to the future.
-          let timeUntilReconcile = client.timeUntilReconcile()
+          try { timeUntilReconcile = client.timeUntilReconcile() } catch (ex) {}
           let ledgerWindow = (synopsis.options.numFrames - 1) * synopsis.options.frameSize
           if (typeof timeUntilReconcile === 'number' && timeUntilReconcile < -ledgerWindow) {
             client.setTimeUntilReconcile(null, (err, stateResult) => {
@@ -1856,6 +1857,8 @@ var getStateInfo = (state) => {
   var info = state.paymentInfo
   var then = underscore.now() - msecs.year
 
+  if (!state.properties.wallet) return
+
   ledgerInfo.paymentId = state.properties.wallet.paymentId
   ledgerInfo.passphrase = state.properties.wallet.keychains.passphrase
 
diff --git a/package.json b/package.json
index 70b38faa530..1f743cd1bf2 100644
--- a/package.json
+++ b/package.json
@@ -105,7 +105,7 @@
     "keytar": "^3.0.0",
     "l20n": "^3.5.1",
     "ledger-balance": "^0.9.0",
-    "ledger-client": "^0.9.14",
+    "ledger-client": "^0.9.15",
     "ledger-geoip": "^0.9.0",
     "ledger-publisher": "^0.9.4",
     "lru-cache": "^1.0.0",