341/Creditors Meeting

First of all, there is no need to fret about this meeting. It's not in a courtroom. There is no judge. It's just a bunch of people in the same boat as you, their attorneys, the Trustee, the Bankruptcy Administrator and some of their staff.

They just want to make sure you are who you say you are, that no one is filing under your name fraudulently (yes, people do that) and that they have all the pertinent facts in your case.

Be sure to dress like you would to go to church or a job interview. Even though it's not court, it's just respectful to dress appropriately.

Bring your Social Security card and your driver's license to show the Trustee. If you don't have a Social Security card, you need to get one, but there other documents you can bring in its place.

A good option is to go to a Social Security Administration office before the meeting, request a new card, and obtain a signed letter stating that you have made the request. The letter will have your social security number and will be sufficient evidence of it.

Other alternatives include W2 forms and annual social security statements. Tax returns will not work because they are self-prepared and thus not independent proof of the validity of the number.

I will be there beside you during the short time you are asked questions, but they are pretty simple. For the most part these are the questions you will be asked:

  • What is your name?
  • What is your address?
  • Where are you employed?
  • Has your attorney gone over the petition with you?
  • Is everything on the petition true and correct?
  • Did your attorney explain the difference between Chapter 7 and Chapter 13?
  • Are there any changes since you filed your petition?

They may ask a few more questions if they are unsure of something, but for the most part, that is it.