What Is a 341 Meeting (Meeting of Creditors)?

A 341 meeting, also called a Meeting of Creditors, is an important part of the bankruptcy process. It’s not an actual court hearing but a meeting between you and a bankruptcy trustee, who is typically an attorney or CPA. There is no judge present. At Cameron Bankruptcy Law, this meeting usually lasts just a few minutes and is mostly a formality. However, you should plan to take the morning off, as your exact meeting time cannot be predicted.

After you file for bankruptcy, you will receive a notice with the date and time of your 341 Meeting, which is typically scheduled about 30 days in advance. If you are unable to attend, contact your attorney immediately to avoid having your case dismissed.

Will Cameron Bankruptcy Law Be There?

Absolutely! We will be by your side throughout the process, guiding you every step of the way. We don’t just file the paperwork — we make sure you’re prepared and supported.

What to Bring to the 341 Meeting

• Photo ID (driver’s license, government ID, passport, or permanent resident card).
• Proof of Social Security Number (Social Security card, W-2 form, or wage statement with your full SSN).
• Any paperwork that should have been submitted — bring copies just in case.
• Spouse (if filing jointly).
• DO NOT bring: cell phones, laptops, cameras, pocket knives, or children.

Make sure to arrive early and scout the location beforehand. If you fail to attend or provide the requested documents, your case could be dismissed.

What to Wear to the 341 Meeting

Business casual is appropriate for the 341 meeting. While a suit isn’t required, wearing something respectful, like a polo shirt, khaki pants, or a dress blouse, is a good idea. Remember, you’ll be under oath, and honesty is key.

Common 341 Meeting Questions

Your 341 meeting will take place about 3-6 weeks after you file for bankruptcy. The trustee will ask you a series of questions. Here are some typical ones:

• What is your name and address?
• What is your Social Security Number?
• Did you list all your assets and debts?
• Do you understand what a reaffirmation is and the effects of bankruptcy?
• Have you given any property to the trustee or recently won the lottery?
• How much is your home worth, and are you expecting any tax refunds?

Creditors may attend, but they rarely do. If they do, it’s usually to discuss reaffirming secured debts. We strongly advise against reaffirming unsecured debts, like credit cards or medical bills, without a good reason.

Mistakes to Avoid at a 341 Meeting

Honesty is critical at your 341 meeting. Some people have made statements that worked against them, either because they were untrue or embarrassing. Always tell your attorney everything beforehand so there are no surprises during the meeting.

Here are some real examples of what NOT to say:

• “I didn’t really need to file; I make enough money.”
• “I transferred my property to my mom so I wouldn’t lose it.”
• “I took out a loan right before filing because I knew I’d never have to repay it.”

These kinds of statements can cause serious problems for your case, so make sure you’re prepared and upfront about everything.

After the 341 Meeting

• Complete the financial management course if you haven’t already.
• Reaffirm or redeem your debts as needed, especially for vehicles or homes.
• Save up for payments on reaffirmed debts so you’re ready to make them once required.
• Follow all court orders and continue to make payments on any secured debts you want to keep.

By staying honest and prepared, your 341 meeting should go smoothly. If you have any questions, Cameron Bankruptcy Law is here to help guide you through every step.