Bankruptcy in Louisville: What Do I Need To Bring To My Meeting of Creditors?

Dealing with debts can be overwhelming and stressful as you try to decide which bills should be paid first. To add to that stress, collection agents send threatening letters as well as call day and night. Filing bankruptcy can relieve your debt problems and give you the fresh start that you need in order to rebuild your finances and recover from a financial crisis. Many of the people that we meet with are worried about attending their bankruptcy Meeting of Creditors. Our attorneys and staff understand this and we work hard to make you feel as comfortable as possible throughout the entire bankruptcy process.

Your Meeting of Creditors

Each person who files for bankruptcy relief is required to attend a Meeting of Creditors. This meeting is scheduled between 20 and 40 days after the bankruptcy petition is filed. The bankruptcy trustee assigned to your case will preside over the Meeting of Creditors. In most Chapter 7 cases, this is the only time that a debtor is required to attend court. In fact, most debtors will never need to see a bankruptcy judge. Although creditors can appear and ask questions, in most bankruptcy cases, many creditors do not attend the Meeting of Creditors. Therefore, in all likelihood, it will be you and your attorney who attend the hearing.

Your Meeting of Creditors will probably last less than ten (10) minutes. The bankruptcy trustee will place you under oath to ask you questions about your finances. These are questions that we have already asked you while preparing your bankruptcy schedules so they will not take you by surprise.

What Do You Need to Take to Your Meeting of Creditors?

In most cases, you will only need to take the following items with you to your Meeting of Creditors:

• Social Security Card – The trustee will not conduct your hearing if you do not have your Social Security Card. If you have lost your card, you should tell your attorney as soon as possible.
• Driver’s License or other Approved Form of Photo Identification – A state issued photo ID is the best; however, we understand that not everyone may have this form of identification. If you do not have a driver’s license, notify our office as soon as possible to discuss alternative forms of identification. Failure to have the required identification will result in the trustee rescheduling your hearing.
• Financial Documents – You may be asked to bring your most recent paystub, last year’s tax returns, bank statement or other financial document depending on the circumstances of your case. We will review this with you well in advance of your hearing date so that you are completely prepared on the day of your hearing.

Contact an Experienced Louisville Bankruptcy Attorney

We’ve Helped Thousands of KY Families, we can help you!

The bankruptcy attorneys of Musselwhite Meinhart & Staples, PSC have over 50 years of combined legal experience. If you are struggling with debt and feel as if you have nowhere to turn, we can help you find an affordable solution to your financial problems. We represent clients in Hardin County (Elizabethtown, Radcliff, Vine Grove, and all other Hardin County Cities), Jefferson County and throughout central Kentucky from our offices in Radcliff and Elizabethtown and Louisville.

Contact us at (270) 351-6069 or 1-800-754-HELP to schedule a free consultation with one of our attorneys. You may also contact our office through our convenient online contact form.