Meeting of Creditors

About the Meeting of Creditors

Unless the Court orders otherwise, a debtor must appear and be examined under oath at a meeting of creditors. The debtor, joint debtor, and attorney must attend this hearing while creditors may elect to attend.

Before the meeting, the Trustee will review the petition, statement of financial affairs, and schedules with the debtor to ensure accuracy. Any immediate issues which may impact the confirmation of the debtor's Chapter 13 plan will be addressed. Creditors will be provided the opportunity to question the debtor.

If you have a question about a meeting of creditors, email jmartinez@ch13bk.com or dsmith@ch13bk.com.

Documents Required at the Meeting

To Verify Identity

• Proof of valid photo identification (e.g., Driver's license, Passport, or Resident Alien Card)
• Proof of Social Security number (e.g., Social Security Card, original W-2, or Medical Insurance Card with full SSN)

Note: Original proof of Photo ID and SSN are required — copies are not accepted. Tax returns are not accepted as proof of SSN, though a tax document (e.g., a W-2) may suffice.

Requested at Least 10 Days Prior to the Meeting

• Trustee's Questionnaire (debtors without an attorney also need to complete the Pro Per Questionnaire)
• Two recent and consecutive paystubs after the petition date
• Copies of most recently filed personal income tax returns
• Bank statements for the month of case filing and the month before filing

Note: Provide copies, not originals (except for the questionnaires). Black out all but the last four digits of any Social Security number.

Document Submission

For debtors represented by an attorney, all documents are to be provided through the attorney, who will then submit them via the Trustee's document portal. Unrepresented debtors must register for portal access at bkdocs.us.

Interpreter & Accessibility Services

The United States Trustee offers language interpretation services at no cost for those with hearing impairments or limited English proficiency. To request a sign language interpreter or assisted listening device, contact Ms. Lana LeDuc at the Office of the United States Trustee:

Phone: 602-682-2609 — Please make arrangements no later than seven business days prior to the meeting.

Alternatively, at your expense, you may choose a qualified interpreter. The trustee, trustee's employees, family members, friends, your attorney, or your attorney's employees may not serve as interpreters.

Local Rule 2003-1 – Meeting of Creditors