The Meeting of Creditors (341 Hearing)

Meeting of Creditors Attorney in Kansas City, Missouri

Missouri Meeting of Creditors Lawyer

One of the salient requirements when filing for bankruptcy is to attend the meeting of creditors, otherwise known as the 341 meeting. At this meeting, you will be asked questions about your debts. This requirement is stated under Section 341 of the Bankruptcy Code. Creditors, on the other hand, are allowed to ask questions. While this is the situation, you have nothing to worry about. Everything will go smoothly if you contact an experienced bankruptcy lawyer.

Roach Bankruptcy Center, LLC is the bankruptcy firm in Missouri that you can trust, as we have represented debtors for over 20 years. By specializing in bankruptcy, we can guarantee our assistance, whether it is a Chapter 7 or Chapter 13 bankruptcy case, or even an emergency bankruptcy. As a credible bankruptcy firm, we assist individuals and families not only in Kansas City but also in Platte County, Clay County, Jackson County, Excelsior Springs, Liberty, Kearney, Platte City, Smithville, Riverside, Parkville, North Kansas City, Blue Springs, Raytown, Lee’s Summit, Independence, and Grandview. Request a free initial consultation now!

Why do I Need a Meeting of Creditors Lawyer in Missouri?

meeting of creditors lawyerThe creditors’ meeting entails the execution of your rights as well as reasonable objections. As a result, having a skilled bankruptcy attorney on your side is essential. But the real question is — how do you find an excellent bankruptcy lawyer? What characteristics should you look for? Before hiring, take note of the following:

  • Experienced – Hire someone with at least ten years of experience in the field. While there are excellent lawyers just starting, hiring an experienced one adds the assurance that you will receive excellent legal services. Ten years is sufficient time for a lawyer to be considered skilled and competent in their field.
  • Bankruptcy Experts – Choose someone who focuses primarily on bankruptcy and not any other practice area. Experience in the legal profession is irrelevant if it is not the type of experience you seek. Find someone who specializes in bankruptcy.
  • Credible – A reputable lawyer is a trusted lawyer, and a trusted lawyer is an excellent lawyer. If a bankruptcy lawyer has a solid reputation in the state, it primarily means that they have consistently provided first-rate legal services.

Roach Bankruptcy Center, LLC has more than 20 years of experience representing debtors in the state of Missouri. We focus on providing excellent legal services as we specialize in bankruptcy. Attorney Jason Roach, the founder of Roach Bankruptcy Center, LLC, gained its reputation by helping individuals and families in Kansas City and nearby counties. He obtained the Order of Attainment Award as a bankruptcy attorney, was given recognition by Webster University, and received the Outstanding Alumni of the Year award. If you need excellent legal representation, set up a free consultation now! 

Facing Imminent Foreclosure?

We can help save your home! Even if time is running out, we’ll find a way. Find out how by speaking with our bankruptcy lawyer in Kansas City, Missouri today.

What To Bring At The 341 Meeting Of Creditors

Your case will be assigned to a bankruptcy trustee randomly. The trustee will conduct and oversee the meeting of creditors. You should obtain a letter from the US Bankruptcy Court that provides the time and date of the 341 Meeting and a reminder to secure two valid IDs (e.g., driver’s license, passport, or state ID card).

The purpose of submitting these valid IDs is to verify your identity. The ID form includes the complete security number. This ID form is typically provided by an employer and is a W2, medicare card, or social security card. Although social security cards cannot be scanned or copied, some people steal social security numbers or submit incorrect social security numbers. The ID form will also add validity to the accuracy of the schedule so that the debt collectors may notate the correct accounts.

Questions from the Bankruptcy Trustee

The bankruptcy trustee will ask a series of questions to the debtor or filer. The questions come from the United States Trustee Program, which oversees all trustees in bankruptcy. Most, if not all, questions are asked to ensure that the information in your petition is correct. If the information in the petition is insufficient, the trustee will ask additional questions.

For example, you filed for bankruptcy to stop and prevent wage garnishment. The trustee may ask how your monthly income was garnished before the date of your filing. They may ask questions about how you were able to determine your assets and whether you want to get a tax refund for the current year.

Questions from Creditors

The 341 meeting is conducted following the creditors’ rights. While every creditor can attend and ask questions, it rarely happens. Sometimes, it happens because trustees can act as representatives for every unsecured creditor, such as credit card agencies. In many bankruptcy cases under Chapter 7, there are no-asset cases. These are the cases where creditors are not expected to get any funds. 

Facing Imminent Foreclosure?

We can help save your home! Even if time is running out, we’ll find a way. Find out how by speaking with our bankruptcy lawyer in Kansas City, Missouri today.

What To Expect at the 341 Meeting of Creditors

Before answering the questions the trustee asks, you have to verify your identity first under oath. The signing of bankruptcy forms is done under penalty of perjury. In the same vein, when you take an oath during the meeting, you have to commit that you will tell the truth.

After taking the oath, you will be asked a series of general questions. Most of them are closed-ended questions. If there is anything that they need to clarify, they may ask another question. Make sure to speak audibly and clearly since the meeting will be recorded. 

You do not have to worry about anything as long as you have been consistently honest and have not tried to intentionally mislead the bankruptcy trustee. If, for example, you were responding to the bankruptcy trustee and realized you needed to change something, you may do so right away and notify them. If the trustee no longer needs to ask you any questions, the meeting will be adjourned.

Call our Meeting of Creditors Lawyer in Missouri Now!

The 341 Meeting of Creditors is one of the crucial requirements in bankruptcy filings. Any mistake you intentionally or unintentionally make may prolong the agony of your unsecured debt. Thus, getting excellent bankruptcy help is a must. In Missouri, there are many bankruptcy attorneys, but few can guarantee you exemplary legal service.

Roach Bankruptcy Center, LLC is a credible bankruptcy expert in Missouri with extensive experience handling debt problems. We are committed to helping individuals and families achieve a fresh start. Aside from Chapter 13 bankruptcy, we handle Chapter 7 bankruptcy cases. If you need legal assistance at the 341 Meeting, get an experienced and honest representation today!

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