Zero Down Bankruptcy Lawyers

341 MEETING OF THE CREDITORS FAQS

ANSWER:

Normally, your 341 Meeting of Creditors will be held in the bankruptcy court of the district where your case was filed. You should receive a letter in the mail notifying you of your hearing date, which should also include the exact address, including the courtroom number. However, many bankruptcy courts are still only offering remote 341 Meetings of Creditors due to the coronavirus pandemic. If your hearing is remote, you will video conference with the judge and any creditors instead of going to court. Discuss with your attorney whether you will call in separately or meet in person and call in together.

ANSWER:

Jury trials are extremely rare in bankruptcy proceedings. If you filed your petition voluntarily, a jury won’t be ordered unless you request one. Besides you and your attorney, generally the only other participant in your hearing is the trustee. Your creditors have the option to attend, but this is uncommon.

ANSWER:

Credit card lenders and medical providers are familiar with bankruptcy proceedings, and know it isn’t usually worth their time to attend. Creditors for personal loans and from smaller businesses are more likely to show up to the 341 Meeting of Creditors.

ANSWER:

Typically, your 341 Meeting of Creditors will be held about 30-45 days after your petition is filed. There could be delays if the court is especially busy or there is an emergency.

ANSWER:

These hearings aren’t lengthy- they are usually scheduled to last 30 minutes. However, other debtors’ hearings will be scheduled in the same time slot as yours. When it is your turn, your hearing could be over in as little as 5-10 minutes. You can expect a longer hearing if you have a complicated case.

ANSWER:

The trustee will ask you to verify your identity and that all of the information in your bankruptcy petition is true. You will be asked about your assets, list of creditors, and signatures. You will also be asked if you have filed any prior bankruptcies. The trustee may ask you about your income, assets you currently own and expect to receive, your intentions with your assets, investments, tax returns, and more.

ANSWER:

You must bring your driver’s license and social security card with you to your 341 Meeting of Creditors. A passport or other government-issued photo identification will work in lieu of your driver’s license. If you don’t have your social security card, you will need an original W-2 or another eligible document with your social security number. You should confirm that any substitute documentation qualifies with your attorney before attending the hearing.

ANSWER:

You should have completed a credit counseling course before your case was filed, and included the course completion certificate with your filing. You will need to complete your second credit counseling course and file the completion certificate with the court no more than 60 days after your 341 Meeting of Creditors. Failure to complete your second credit counseling course within 60 days of your 341 hearing could result in your case being dismissed.

ANSWER:

You don’t need to go out and buy a suit for this hearing. However, you should look presentable and professional. Dress as if you were going into the office or a similar setting. Remember that the trustee is on the lookout for valuable assets that weren’t disclosed in your petition- flashy jewelry and designer items should stay at home for this hearing.

ANSWER:

If you show up too late to the hearing or miss it altogether, this won’t reflect well on you. Although this is a relatively short and informal hearing, you should make it your top priority to attend your 341 Meeting of Creditors on time. Your case will likely be continued if you miss one 341 hearing. This will delay your bankruptcy discharge, which is when you can begin moving forward with a clean slate and rebuilding your credit. Your attorney may also charge an additional fee if they need to attend two hearings due to your nonattendance. Missing a subsequent hearing is more likely to result in your case being dismissed.

ANSWER:

Your 341 Meeting of Creditors should be prioritized over any nonessential travel, and the trustee may dismiss your case if you miss a hearing about your debts due to your vacation.

ANSWER:

The courts recognize that some emergencies that could cause you to miss your 341 Meeting of Creditors are unavoidable, such as a medical emergency, a family emergency, military duty, jail time, and natural disasters. Your 341 Meeting of Creditors can be rescheduled in these circumstances, or be held remotely when appropriate.

ANSWER:

If you have an in-person 341 Meeting of Creditors in a state you have since moved away from, you can request to appear telephonically at the district courthouse in your new state.

Our Nevada Zero Down Bankruptcy Attorneys discuss some of the most asked questions regarding your Nevada 341 Meeting of Creditors.  Read on and learn what a 341 Hearing entails, read the discussions regarding questions asked at the hearing, and get valuable information about filing bankruptcy in Nevada.

If you’re looking into filing for bankruptcy, there’s a good chance that you’ve heard of a 341 Meeting of Creditors. You probably have several questions about this hearing. Whether or not you have an attorney representing you at your 341 Meeting of Creditors, you should inform yourself about this hearing so you can be fully prepared.

Zero Down Bankruptcy Lawyers

Nevada Bankruptcy Hearing Attorneys

If you still have any questions about bankruptcy’s 341 Meeting of Creditors, don’t hesitate to call our office for your free consultation. Bankruptcy is a serious decision that will impact your life for years to come. Make the process easier with the advice and counsel of an experienced bankruptcy lawyer. Call to schedule your free consultation today.  Call our Nevada Zero Down Bankruptcy Attorneys today. Find out how to file bankruptcy with no money out-of-pocket.

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Las Vegas, NV 89135

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Las Vegas, NV 89128

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Henderson, NV 89014

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