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Are you up to date as to what will occur at the 341 meeting?

If a large burden of debt has led you to file for bankruptcy, you have begun the journey to a brighter future. One of the steps along the way is the 341 meeting.

What exactly is this meeting all about and what are your requirements?

The overview

Section 341, Title 11 of the United States Bankruptcy Code lends its number to a get-together of creditors, commonly known as the 341 meeting. This is not a formal courtroom hearing; it will not take place before a judge but rather in an office setting. If you are filing Chapter 7, 12 or 13, a trustee assigned by the United States Trustee will preside over the meeting. If yours is a Chapter 11 case with no trustee assigned, a representative of the Office of the U.S. Trustee will conduct the meeting.

The reason for the meeting

This is a meeting your creditors may attend so they can question you about your assets and anything relevant to the disposition of your bankruptcy case. Creditors rarely attend, however, and they do not relinquish any of their rights if they choose not to come. On the other hand, your attendance is mandatory. If you do not appear, you could be held in contempt and the court could dismiss your case. You must simply answer questions put to you by the trustee or representative, who will use your answers to administer your case in the most efficient way possible.

On to the next step

While the 341 meeting is nothing to be concerned about, you should be well prepared. Your attorney will provide the appropriate documents to the trustee or representative on your behalf, but you should bring a photo ID and proof of your Social Security number. The 341 meeting will be short, and your attorney will accompany you. It will be over before you know it and you will be well on the road to a better financial future. 

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