Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – What Should A Debtor Expect at the 341 Meeting of Creditors for Chapter 13 Bankruptcy Cases?

If you filed for Chapter 13 Bankruptcy protection in Sacramento Bankruptcy Court or Modesto Bankruptcy Court, you will receive a Notice of Chapter 13 Bankruptcy Case in the mail about a couple of weeks after the filing of your case. On the second page of the Notice, is your court date, time, and location.

The 341 Meeting of Creditors for Sacramento, California are held on 501 I Street, 7th Floor, Sacramento, CA 95814. For Modesto, California in 1200 I Street, 1st Floor, Modesto, CA 95354.

You must bring your government-issued photographed identification (such as driver’s license, California ID card, passport) and proof of social security number (social security card). Do not bring duplicate. You must bring the original documents with you or your 341 hearing will be continued on another date for you to bring those items.

You will be in a room with a small group of other debtors who filed for Chapter 13 Bankruptcy. The Trustee will call you up one at a time for questioning. You will be sworn under oath. You will be seated next to your Bankruptcy Attorney. On the other side of the table is where your creditors will be seated, if any showed up. From my experienced as a Sacramento Bankruptcy Attorney, creditors rarely show up at the 341 Meetings of Creditors.

The Trustee will inquire about your assets, liabilities, income and expenses. If your creditors show up, they can also make the same inquiries. The meeting is tape-recorded. Your Chapter 13 Plan will be reviewed and question for feasibility. For example, will you be able to afford your plan payment? Are you paying too little to your general unsecured creditors like credit cards due to your high disposable income or nonexempt assets? Do you forgot to pay a secured creditor in your plan? Will your plan pay everyone that is required under Bankruptcy Law to be paid in full? Do owe domestic support obligation? Do you owe taxes? Are you paying your priority tax debt in full in your Chapter 13 Plan.

These questions among others are typically looked at Chapter 13 Bankruptcy 341 Meeting of Creditors.

If you resides in the following Counties, your hearing will be held in Sacramento California Bankruptcy Court: Sacramento, Solano, Placer, Yolo, Yuba, Sutter, Alpine, Amador, Colusa, El Dorado, Mono, Nevada, Plumus, Sierra.

If you resides in the following Counties, your hearing will be held in Modesto California Bankruptcy Court: San Joaquin, Stanislaus, Calaveras, Tuolomne.

Muoi Chea is an experienced Sacramento Bankruptcy Attorney who represent consumers and sole proprietors in Chapter 7 and 13 Bankruptcy 341 Meetings in Sacramento and Modesto Bankruptcy Court.