Many Alabamians will be facing financial problems as a result of the Coronavirus pandemic. Because of this, we are not charging any upfront fees or costs to file a Chapter 13. We hope that by doing this that we are able to help families keep their cars, homes, and paychecks.

American Bar Association
Alabama State Bar
Alabama Criminal Defense Lawyers Association
National Association of Consumers Bankruptcy Attorneys

Bankruptcy Basics - Part 5: Creditor's Meeting

Produced by the United States Courts.

As a debtor you'll be required to appear at a meeting conducted by a trustee. This meeting is called a meeting of creditors, but some people call it a 341 meeting because it is required by Section 341 of the bankruptcy code. Let's watch what happens in a 341 meeting.

This is track number 14. This is the section 341 meeting of creditors for Ms. Rosario Lopez. Case Number 07-51316-CPM. My name is Carolyn Chaney, chapter 7 trustee. The debtor is present, and I have verified her certificate of credit counseling. One creditor is present through counsel. Who do you represent sir? Thank you.

The trustee has verified the debtor’s photo I.D. and proof of her social security number. The trustee will verify your identity and ask you questions to verify the accuracy of the information that you filed with the court. The trustee may also ask you questions about your most recent tax return which you must give the trustee in advance of the meeting.

Creditors are given the opportunity to ask questions about your income, property, and debt. Secured creditors may wish to ask about the status of property securing their debt, and whether you intend to keep the property, and if so, how you intend to pay for it.

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