What Happens at a 341 Hearing? | Understanding Your Bankruptcy Meeting

What Is a 341 Hearing?

A 341 hearing, or meeting of creditors, is a required part of the bankruptcy process. It is named after Section 341 of the Bankruptcy Code, which mandates that every debtor must appear at this meeting after filing for Chapter 7 or Chapter 13 bankruptcy.

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Although it’s referred to as a hearing, it’s not held in a courtroom and no judge is present.

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When and Where Does the 341 Meeting Take Place?

The 341 meeting usually takes place about 20 to 40 days after your bankruptcy petition is filed. It is typically held at a federal building, trustee’s office, or virtually via phone or video conferencing (especially after COVID-19 protocol updates).

You will receive a notice from the court with the exact date, time, and location (or login details) for your meeting.

Who Attends the 341 Meeting?

The following people typically attend:

• You (the debtor) – Your attendance is mandatory.

• Your bankruptcy trustee – Appointed to oversee your case.

• Your bankruptcy attorney – If you have one, they will attend with you.

• Creditors (optional) – Creditors are allowed to attend and ask questions, but most do not.

What Happens During the 341 Hearing?

At the 341 meeting:

1. You will be placed under oath.

2. The trustee will ask you a series of standard questions to verify:

   • Your identity (bring valid photo ID and Social Security card).

   • That the information in your bankruptcy paperwork is accurate and complete.

   • Whether you’ve listed all your income, property, and debts.

3. The trustee may ask about:

   • Recent property transfers

   • Large or unusual financial transactions

   • Any expected windfalls (like inheritances or lawsuits)

If any creditors attend, they may also ask brief questions—typically related to the debts you owe them.

How Long Does the 341 Hearing Last?

Most 341 hearings are brief — usually around 5 to 15 minutes, depending on the complexity of your case. If your paperwork is accurate and there are no red flags, it’s generally a smooth and straightforward process.

What Happens After the 341 Meeting?

After the 341 hearing:

• If there are no issues, the trustee may conclude the meeting and your case will proceed toward discharge.

• In some cases, the trustee may request additional documentation or follow-up.

• For Chapter 7 cases, you may receive your discharge within 60 to 90 days after the meeting.

• For Chapter 13, your repayment plan continues, subject to court approval.

Tips to Prepare for Your 341 Hearing

• Review your bankruptcy petition carefully.

• Bring all required documents: photo ID, Social Security card, and any trustee-requested paperwork.

• Be honest, clear, and concise in your answers.

• Consult with your bankruptcy attorney if you have concerns.

Do You Need a Lawyer for the 341 Meeting?

While it’s possible to attend a 341 hearing without an attorney, having a bankruptcy lawyer can help protect your rights and ensure your case moves forward smoothly. Your attorney will prepare you for what to expect and attend the hearing with you.

Conclusion: Don’t Fear the 341 Meeting

The 341 hearing is a key step in your bankruptcy process, but it’s not something to fear. With the right preparation and legal support, it’s typically just a formality to confirm your case information.

Need Help With Bankruptcy or Preparing for Your 341 Hearing?
Contact Mosakowski Law today for a free consultation. Our experienced bankruptcy attorney are here to guide you through every step of the process.