Congrats! Your bankruptcy has been filed and now you are getting ready for your creditors’ meeting. Below are seven important things you need to know before your creditors’ meeting.
#1 – Make Your Chapter 13 Payment
First, you should have already made your first payment to the Trustee. If you have not done that you need to make that payment first thing Monday morning (or before) and bring the receipt to the Creditors’ Meeting. Call us immediately if you have any questions about that. Your payment should be in the form of a certified check or money order. If you have not made that payment the Trustee will file a motion to dismiss your case.
#2 – Your Financial Management Course
Second, if you haven’t already completed the financial management (Abacus Financial Management) you need to do that ASAP. Just email us verifying you have completed the course and we will make sure we have the appropriate certificate, etc. – you would just need to bring the financial management fee of $15.00 in a certified check or money order made out to Duncan Law, LLP. We need to have all of that information before the creditors’ meeting on Monday.
#3 – Where You Are Going & When You Need To Be There
Third, you will need to be at the location for the creditors’ meeting at 1:15 PM sharp, if not a few minutes before hand, unless you hear different from me. You just want to make sure you’re not late! I may not be there right at 1:15 PM, don’t panic – I’m on my way. The creditors’ meeting is located on the first floor at 101 S. Edgeworth St. in Greensboro, NC. If you want, check out this video to see how to get the creditors’ meeting from our Greensboro office.
#4 – Bring Your Driver’s License, Social Security Card & No Cell Phone
Fourth, you will need to make sure that you leave everything other than your financial management fee, driver’s license and social security card and any other paperwork that you need in the car. No cell phones or smartwatches; they won’t let you bring them in as you go through security.
#5 – What The Creditors’ Meeting Room Looks Like
Fifth, they are going to ask you a handful of questions. If you are there early you can get a good idea of the types of questions that they will ask. Generally, they will ask your name, where you live, if you’re employed and where, whether you have any domestic support obligation (child support and alimony), whether you are expecting a big inheritance and whether you reviewed your paperwork (that’s what we did in the signing appointment). They could ask you a few other questions specific to your case but those are the most common questions that they will ask. Of course, I’ll be there if you have any questions or concerns. Also, I’ve included some pictures of what the inside of the creditors’ meeting room looks like that way you have a better idea of what to expect.
#6 – What You Should Wear
Sixth, wear whatever you would wear on a typical day. You don’t need to get dressed up.
#7 – Other Posts About The Creditors’ Meeting
Seventh, check out the following link about what to expect at your creditors’ meeting. These are different blog posts that we have written about creditors’ meetings. Many of your other questions are likely to be answered within these blog posts. Of course, you can always contact us if you have any questions as well.
A Final Word
Finally, don’t stress over this. You put in the work getting us everything that we needed and we put in the work to make sure your bankruptcy was well put together for the Trustee. Since we together put in the work – everything should go smoothly. I look forward to seeing you on Monday afternoon!
