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341(a) Meeting of Creditors

What to Expect at a Bankruptcy Meeting of Creditors

The 341(a) Meeting of Creditors is a mandatory part of the bankruptcy process. It takes place shortly after a case has been filed – usually within 30 days – and will involve a review of your case by a Trustee. The Trustee will examine individuals filing for bankruptcy under oath in order to make sure that all information listed in the bankruptcy paperwork is correct. Meetings are typically brief.

Here is an idea of what to expect:

  • In a Chapter 7 bankruptcy, you must explain why you are unable to pay back the debt that you’ve accrued. This could include showing the results of the means test and explaining how your expenses outweigh your income. Some debts may not be discharged and these creditors will not be included.
  • In a Chapter 13 bankruptcy, you will discuss your financial situation with your creditors and come up with a plan that works for everyone. The plan should allow the creditors to recover most, if not all, of the debt over a period of three to five years, while you can lower the amount you pay each month.

At San Diego Legal Pros, we frequently hear from clients who are anxious about attending the 341(a) Meeting of Creditors. The most important thing our San Diego bankruptcy attorney wishes to stress is that we want our clients to relax. The Meeting of Creditors is not a cause for concern and is standard procedure for the bankruptcy process. When you are required to attend a meeting, you will be asked very basic questions – most of which can be answered with a simple "yes" or "no."

How Our San Diego Bankruptcy Attorney can Guide You

Because our legal team is intent on preparing our clients and setting them at ease during each stage of their legal journeys, we have compiled a list of typical questions asked by the Trustee at the Meeting of Creditors so that you can know what to expect.

For more information about the 341 Meeting of Creditor, bankruptcy, and your particular situation, contact a San Diego Bankruptcy lawyer from our firm for a free case evaluation by calling (888) 875-9190.

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