South Carolina Legal Services attorney Maureen White talks about your likely experience in the bankruptcy courtroom for National Consumer Protection Week 2020
Whether you are filing chapter 7 or chapter 13, you will attend court hearings. You may be apprehensive or scared.
The first thing to know is that you are not alone as a debtor in bankruptcy. The people in the courtroom are people just like you. You are surrounded by peers who are just as scared as you are.
The first hearing you'll go to, is the 341 hearing, or first meeting of creditors. Seldom does the creditor show up. Real purpose to be there is to talk to the trustee, who will have a list of questions to ask you. these questions are the same for anyone who has filed bankruptcy. At the end of all this, they'll decide whether it's an asset case or no asset case. Come prepared, relaxed, and with your appropriate identification. Make sure to speak honestly and openly with the trustee.
In chapter 13, you may have to attend additional hearings such as confirmation. For example, whether there were objections to valuations, is the creditor concerned you don't have enough money to pay that mortgage.
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