DO I HAVE TO GO TO COURT FOR BANKRUPTCY?
One of the most commonly asked questions we receive in our office is “will I have to go to court and appear before a judge”? There will be a telephone conference at your attorney’s office before a trustee at a meeting called the “meeting of creditors”. The primary purpose of this phone call is to give the bankruptcy trustee an opportunity to review you petition and have you confirm under oath the information provided in your schedules.
Knowing what to expect at the hearing can make the process go smoother and help to ease any anxiety.
WHO WILL ATTEND THE MEETING OF CREDITORS?
Usually, the only people on the phone call meeting are the trustee, your attorney and you. Many people are worried that their creditors will come to this hearing and harass them. Although your creditors will get notice of your meeting of creditors they rarely attend. If they happen to appear your attorney will be with you to make sure they do not do anything inappropriate.
Since COVID, the meeting place has changed to our EASTGATE office in the form of a phone conference. You will answer questions from the trustee over the phone while in your attorney’s office. As of 2022, these meetings are still taking place by phone conference and it appears this will continue.
AFTER THE 341 MEETING
If your case is a Chapter 7, after your meeting you will need to complete a second credit counseling session. Once that is complete and submitted to the court you will just be waiting for your discharge which will be issued approximately 120 days after your case is filed. If you are in a Chapter 13 you will need to make your payments as ordered by the trustee. At the end of your payment agreement you will complete a second credit counseling session to complete your case and get your discharge. We will help you know what you must do to complete your case and get your discharge. Your discharge is your first step toward better credit.
Call Keegan & Co. Attorneys, LLC at 513-752-3900 to schedule your free consultation at one of our convenient offices: Eastgate or Middletown. You will have plenty of time to discuss your unique circumstances with an experienced and knowledgeable attorney. We offer flexible meeting times and flat fees. Both our attorneys and staff work to make the bankruptcy process as seamless and easy for you as possible.