What to Expect at the Meeting of Creditors

meeting roomPursuant to 11 U.S.C. §341, all debtors are required to attend a “meeting of creditors” (also commonly referred to as a “341 meeting”). At the meeting, you will answer any questions the trustee has while you are under oath. Once in a while, one of your creditors may also be there to ask you questions. While it is normal to feel nervous about this meeting, most are not very long, and we will make sure you are prepared ahead of time.

You are required to bring your driver’s license and social security card to your 341 meeting. Failure to do so will lead to the continuation of the meeting.

You should arrive to your meeting at least 15 minutes early, dress appropriately, and review your bankruptcy schedules before you arrive. If you discover an errors or omissions in your bankruptcy schedules,, you should notify us immediately so we can inform the trustee and make the necessary corrections.

Finally, some examples of questions the trustee typically asks at a 341 meeting are as follows:

  • Have you reviewed your bankruptcy petition and schedules?
  • Is everything true and correct in your bankruptcy petition and schedules?
  • Have you listed all of your assets and all of your debts?
  • Are you aware of any errors or omissions that need to be corrected?
  • Have you transferred any asset worth in excess of $1,000.00 in the last 2 years?
  • Do you have any claims against anyone (like a personal injury claim)?

Please keep in mind that every bankruptcy matter is different. If you are considering filing for bankruptcy protection, and you would like to schedule a no-cost consultation to discuss your options, please contact our office by completing the form on this website or calling us at (954) 932-5377.


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