The 341 Meeting of Creditors: Rules and What to Expect
Every bankruptcy case includes one required appearance: the meeting of creditors under 11 U.S.C. § 341, held about a month after filing. Despite the name, creditors rarely show up — it's a short, recorded question-and-answer session with the trustee, now typically held by phone or video in Arizona and Washington consumer cases.
What the trustee asks
Under oath, you confirm your identity, that you read and signed the petition, that the schedules list all assets and debts, and answer questions about your income, property values, and any recent transfers. Most meetings last under ten minutes when the paperwork is complete.
The documents due before the meeting
Trustees require your most recent tax return at least seven days before the meeting, plus pay stubs and bank statements under local practice. Missing documents are the number-one cause of continued meetings and delayed discharges.
After the meeting
Creditors and the trustee have 60 days from the first meeting date to object to discharge or to the dischargeability of specific debts. When that window closes quietly — as it does in the vast majority of consumer cases — the Chapter 7 discharge enters.
Exemption amounts and rule thresholds change on statutory schedules. See our monthly rule reports for the current figures with citations to the official sources.
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Majors Law Group, P.C. — an independent bankruptcy firm running its practice on Bankruptcy.AI — handles Chapter 7 and Chapter 13 cases in Arizona and Washington.
Bankruptcy.AI is a technology platform, not a law firm, and does not provide legal advice. Majors Law Group, P.C. is a separate, independent law firm. This page is general information and is not legal advice; outcomes depend on your specific facts.