What Will Happen at the 341 Meeting of Creditors in Bankruptcy?

By Cara O'Neill, Attorney
Find out what happens at the meeting that all bankruptcy filers must attend.

When you file for bankruptcy, the court schedules the 341 meeting of creditors with the bankruptcy trustee—the court official tasked with overseeing your case. You won’t be the only bankruptcy filer in attendance because the court schedules the trustee to meet with approximately ten cases during each one-hour long meeting—and your turn will go quickly. The trustee will post a list of the attendees outside of the meeting room. When you arrive, you’ll want to check for your name and see where you fall in the lineup. If the trustee calls your matter first, you’ll get it over with quickly. If you’re further down the list, you’ll have the benefit of watching others go through the process and will be prepared when it’s your turn.

Most meetings start with introductory instructions to the group in which the trustee will tell you where to sit and when to present your identification. When it's your turn, the trustee will do the following:

  • verify your identity
  • place you under oath
  • ask a series of general questions
  • ask specific questions about your case, and
  • either conclude (end) or continue the meeting to another day.

In most cases, the trustee will spend approximately five minutes (or less) on each matter.

Any creditors that appear at the meeting will also have an opportunity to question the bankruptcy filer; however, it rarely happens. If a creditor appears at the meeting, the creditor will be given a short time to ask questions, as well. (Learn about the types of questions you can expect in What Questions Will a Bankruptcy Creditor Ask at the 341 Meeting of Creditors?)

For more information, read How Should I Prepare for the 341 Meeting of Creditors in Bankruptcy?

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