Short answer: The meeting of creditors, also called the 341 meeting, is a required meeting where you answer the trustee’s questions under oath about your bankruptcy paperwork and finances. Creditors may ask questions, but a judge does not preside; follow the meeting notice for attendance and document requirements.
If you file for bankruptcy relief, you generally must attend a meeting of creditors, also called a 341 meeting. It is a required part of the case, but it is not a court hearing and no judge presides. Failing to attend or cooperate can put your case at risk.
What happens at the meeting?
The trustee places you under oath and asks questions about your petition, schedules, and financial circumstances. Common subjects include income, expenses, property, debts, recent transfers, and whether the filed information is complete and accurate. Both spouses must attend if they filed a joint case.
Creditors may attend and ask questions, although they often do not appear in routine consumer cases. Many meetings are brief, but a meeting can take longer or be continued if the trustee needs additional information.
How do I attend a Mississippi 341 meeting?
In the Southern District of Mississippi, Chapter 7 and Chapter 13 meetings generally take place by Zoom. Alternative arrangements or an in-person meeting may be required in particular circumstances. Follow your official meeting notice and your attorney’s instructions for the correct date, time, meeting ID, passcode, and attendance method.
The U.S. Trustee provides Southern District of Mississippi 341 meeting information. A confirmation hearing or another court hearing is a separate event and may have different attendance instructions.
How should I prepare?
- Review your petition, schedules, and statements with your attorney, and identify any corrections before the meeting.
- Provide requested financial records before the applicable deadlines. Your attorney will coordinate required identity and financial documentation with the trustee.
- For a Zoom meeting, test your camera, microphone, and connection in advance and join at the time directed in your instructions.
- Use a quiet, private location, dress appropriately, and keep your attention on the meeting. Do not participate while driving.
- Answer truthfully and clearly. Ask the trustee to clarify any question you do not understand, and tell your attorney if you discover an omission.
- Follow the trustee’s instructions about speaking, muting, and remaining connected until you are excused.
Our guide to questions the trustee may ask at a 341 meeting explains common topics to review.
Will I need to attend another hearing?
Many Chapter 7 debtors do not need to appear before a judge, but disputes or motions may require a separate hearing. Chapter 13 cases also involve confirmation of the repayment plan. Your attorney will explain whether your attendance is required for any additional proceeding and how to participate.
