The 341a hearing, or First Meeting of Creditors is nothing more than a meeting with your bankruptcy trustee during which you will be placed under oath and asked questions about your bankruptcy filing, and it is scheduled for a date 30-45 days after you file your bankruptcy.  Your attorney will be there with you.

There is nothing to fear about this meeting, and if everything goes well, and you provide all the information that the trustee requires, there will be no "second" meeting; you will be finished other than dealing with possible car loan reaffirmations and taking your debtor education class.

Another thing to bear in mind is that although it is called a "meeting of creditors," creditors themselves rarely show up!  Even if they do, their questions are limited by the trustee.  Thus this meeting is really all about you and the trustee, with your attorney there to help you.

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Steven J. Richardson
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Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.