Review your chapter 7 petition.
When your bankruptcy attorney filed your case he should have given you a copy of the petition. If you don’t have one, call him to get it immediately. This should be very easy since he already has a PDF of the document and he can email it instantly.
Read the letter I send you.
The reminder letter sent out by Balena law Firm has a section with topics and sample questions you can expect at your chapter 7 meeting of creditors. These are taken right from the pages of the trustee manual. Don’t memorize answers. Just familiarize yurself with what might be asked at the chapter 7 meeting of creditors.
Check for accuracy.
At your chapter 7 meeting of creditors the trustee will hold you to each and every line item in your petition. When you signed the bankruptcy petition in the lawyer’s office you swore to the truth of everything in the document. If something is wrong, or untrue bring it to the attention of your bankruptcy attorney right away. He can amend the petition.
Pay Attention to your address and social security number.
If either your address or social security number is wrong the chapter 7 meeting of creditors will begin to go badly immediately. I had a client who did not check his address at the signing. It was an old address. After that the trustee approached the entire petition as suspect. If something this simple is wrong, how accurate can the really important things be? The address and social security number are very easy to correct by amendment.
Give yourself plenty of time to get to your chapter 7 meeting of creditors. Arrive at least 15 minutes early. You might want to take a test drive to the courthouse the weekend before to find parking places. Recently I had two clients the same day arrive late because they went to the wrong court, then they forgot where they parked. If you are on time at least one chapter 7 trustee considers you late for your chapter 7 meeting of creditors.
Dress neatly. Keep jewelry to a minimum.
Do I have to explain why?
Be sure to understand each question.
If the question requires a yes or a no do not give an explanation. If a question is unclear have it repeated or rephrased. Be careful to keep these kinds of requests to a minimum. If you reviewed the petition you should be ready with the answers.
You need correct identification.
For your chapter 7 meeting of creditors you will need to show a CURRENT, government issued photo ID card. In Ohio a driver’s license or a State id card is best. You also need proof of your SSN. Use a social security card, w-2, IRS letter, or a certified SSN verification from the Social Security office. You cannot use a tax return or other document you created with the SSN. Lack of proper ID can result in your case being adjourned to another day, and more attorney fees.