Questions to Expect at the 341 Meeting in Your Bankruptcy Case

At the 341 meeting (also called the creditors' meeting), the trustee will ask about your bankruptcy forms, property, debts, and more.

By , Attorney

If you're scheduled for a bankruptcy creditors' meeting—the one appearance all Chapter 7 and Chapter 13 filers must attend—and wondering about the questions you'll be asked, you've come to the right place. In this article, you'll learn:

  • the standard 341 meeting questions asked of every filer
  • additional questions you might encounter, and
  • topics creditors cover when appearing (which is rarely).

But there's more to a 341 meeting of creditors than questions. Check out the 341 Meeting of Creditors Explained for a guide through the creditors' meeting process.

Questions the Bankruptcy Trustee Will Ask at the 341 Meeting of Creditors

The bankruptcy trustee—the person tasked with administering your case—must ask all bankruptcy filers mandatory questions at the 341 meeting. Here are the questions you can count on being asked:

  • Is the address on the petition your current address?
  • Did you sign the petition, schedules, statements, and related documents and is the signature your own?
  • Did you read the petition, schedules, statements, and related documents before you signed them?
  • Are you personally familiar with the information contained in the petition, schedules, statements and related documents?
  • To the best of your knowledge, is the information contained in the petition, schedules, statements, and related documents true and correct?
  • Are there any errors or omissions to bring to my attention at this time?
  • Are all of your assets identified on the schedules? Have you listed all of your creditors on the schedules?
  • Have you previously filed bankruptcy?
  • What is the address of your current employer?
  • Is the copy of the tax return you provided a true copy of the most recent tax return you filed?
  • Do you have a domestic support obligation? To whom?
  • Have you read the Bankruptcy Information Sheet provided by the United States Trustee?

    341 Meeting Questions the Bankruptcy Trustee Might Ask

    Along with the mandatory questions, trustees typically ask about your property and other assets, income, expenses, and debts. Other areas will include discrepancies in your bankruptcy forms and how you came up with a value for various property items.

    Many trustees' inquiries about your particular case will come from a list of suggested questions trustees can ask when appropriate. Here are some of the questions on the list:

    • Do you own or have any interest whatsoever in any real estate?
    • Have you made any transfers of any property or given any property away within the last one-year period (or such longer period as applicable under state law)?
    • Does anyone hold property belonging to you?
    • Do you have a claim against anyone or any business?
    • Are you the plaintiff in any lawsuit?
    • Are you entitled to life insurance proceeds or an inheritance as a result of someone's death?
    • Does anyone owe you money?
    • Have you made any large payments, over $600, to anyone in the past year?
    • At the time of the filing of your petition, were you entitled to a tax refund from the federal or state government?
    • Do you anticipate that you might realize any property, cash or otherwise, as a result of a divorce or separation proceeding?

    View the complete 341 meeting question list.

    Questions Creditors Ask at the Meeting of Creditors

    Often, creditors don't show up, even though "creditor" is in the meeting name. If creditors do come, it's typically to do one of the following:

    • Clarify how you plan to deal with a secured debt. For instance, the lender who made a car loan to you might want to determine whether you intend to give back the car, pay the lender its replacement value, or enter into a reaffirmation agreement to continue the loan after your bankruptcy.
    • Ask about recent charges or cash advances. Bankruptcy law prohibits debtors from running up high bills for luxuries and cash advances just before filing. The bankruptcy discharge won't wipe out the credit balance if the creditor pursues the matter successfully. Be sure you know when to stop using credit cards before bankruptcy.
    • Ask about application discrepancies. The creditor could inquire about differences between the information in your bankruptcy papers and the information you submitted when applying for credit.

    If your case is relatively simple and you don't have a lot of nonexempt property—assets that aren't protected from creditors by an exemption—you probably won't face any creditor questions. Typically, the whole meeting will be over in less than ten minutes.

    Navigating Your Bankruptcy Case

    Bankruptcy is an unusual area because it's essentially a qualification process. The laws provide instructions for completing a 50- to 60-page bankruptcy petition, and because all rules apply in every case, you can't skip a step.

    One way to keep track of your research is to use the bankruptcy forms as an outline. You'll find links to bankruptcy forms and other resources in the chart below. You can also look at the list of Chapter 7 and 13 bankruptcy forms to see where this topic fits in the bankruptcy scheme (it's a post-filing issue). And this handy bankruptcy document checklist will help you gather the things you'll need to complete the petition.

    341 Meeting of Creditors Information

    Bankruptcy Forms

    and Questions

    The bankruptcy court tells creditors about the creditors' meeting and other important dates using these forms:

    Notice of Chapter 7 Bankruptcy Case

    Notice of Chapter 13 Bankruptcy Case

    List of trustee questions:

    Complete 341 Meeting Question List

    Related Information

    Bankruptcy Document Checklist

    After the 341 Meeting Is My Chapter 7 Case Closed?

    Need More Info?

    We want to help you find the answers you need. Go to TheBankruptcySite for more easy-to-understand bankruptcy articles, or consider buying a self-help book like The New Bankruptcy by Attorney Cara O'Neill.

    We wholeheartedly encourage research and learning, but online articles can't address all bankruptcy issues or the facts of your case. The best way to protect your assets in bankruptcy is by consulting with a local bankruptcy lawyer.

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