ysl small mala mala
ysl small mombasa bag
ysl small patent leather downtown saint laurent bag
ysl small sac de jour tote bag
ysl small vintage bag
ysl small wallet
ysl soft borsa bag
ysl soft silver leather bag
ysl sparta bag
ysl st tropez bag
ysl st tropez handbag
ysl st tropez model
ysl studded easy rock bag
ysl studded fringe bag
ysl suede and plexiglass evening bag
ysl suede bag
ysl suede clutch bag
ysl suede grey oversize
ysl suede handbag
ysl suede handbag muse two
ysl suede mombassa 
ysl suede python bag
ysl suede roady hobo model
ysl synthetic handbag
ysl tanger bag
ysl tassel clutch
ysl tassel handbag
ysl tote
ysl tote bag
ysl tracolla saint laurent 
ysl trapeze bag
ysl travel bag
ysl travel bag easy
ysl travel card holder
ysl travel clutch
ysl tribute bag
ysl tribute bag in two colours
ysl tribute bag large model
ysl tribute black bag
ysl tribute black patent leather bag in black croco style
ysl tribute leather handbag
ysl tribute leather tote
ysl tribute patent leather handbag
ysl tribute patent leather tote
ysl tribute tote
ysl tribute wallet
ysl tricolor muse ii bag
ysl tricoloured muse two
ysl turquoise leather handbag
ysl turquoise leather handbag chyc
ysl turquoise leather handbag easy
ysl turquoise leather handbag muse two
ysl turquoise patent leather clutch
ysl turquoise patent leather clutch bag
ysl tweed clutch bag
ysl tweed handbag muse two
ysl two material messenger bag
ysl two material muse ii
ysl uptown bag
ysl v bag
ysl velvet clutch bag
ysl velvet crossbody bag
ysl velvet handbag
ysl velvet pochette
ysl venise bag
ysl vincennes bag
ysl vincennes mombasa hobo bag
ysl vintage
ysl vintage bag
ysl vintage bag (pouch)
ysl vintage clutch
ysl vintage clutch bag
ysl violet suede bag
ysl wallet
ysl wallet clutch
ysl wallet from the rive gauche collection
ysl white cloth handbag downtown
ysl white cloth handbag easy
ysl white clutch bag
ysl white cotton handbag
ysl white exotic leathers handbag
ysl white handbag
ysl white handbag downtown
ysl white leather bag
ysl white leather clutch bag
ysl white leather handbag
ysl white leather handbag downtown
ysl white leather handbag easy
ysl white leather handbag messenger
ysl white leather handbag mombasa
ysl white leather handbag muse
ysl white muse bag
ysl white patent leather clutch bag
ysl white patent leather handbag
ysl white patent leather handbag downtown
ysl white patent leather handbag muse
ysl white suede handbag
ysl white synthetic handbag
ysl white wicker handbag
ysl wicker handbag
ysl womans handbag
ysl wool handbag
ysl wool handbag downtown
ysl worn on the shoulder
ysl xl bag
ysl xl chyc bag
ysl xl muse
ysl xxl bag
ysl xxl clutch
ysl y bow bag
ysl y clutch
ysl y handbag by
ysl y line
ysl y mail bag
ysl y mail minaudiere
ysl y mail mini bag
ysl y mail postcard silver tote
ysl y mail wallet
ysl y now bag
ysl y studded clutch bag
ysl y tote bag in leather
ysl yellow clutch bag
ysl yellow exotic leathers handbag muse two
ysl yellow leather clutch bag
ysl yellow leather handbag
ysl yellow leather handbag easy
ysl yellow leather handbag muse
ysl yellow leather wallet
ysl yellow patent leather clutch bag
ysl yellow patent leather wallet
ysl yellow wallet
ysl yes saint laurent grey handbag
ysl yes saint laurent st tropez
ysl ymail wallret
ysl yris
ysl zebra print fur handbag mombasa
ysl zippered tote bag
yves saint laurent
yves saint laurent 
yves saint laurent bag
yves saint laurent bag 
yves saint laurent black leather bag
yves saint laurent borsa rosa a mano
yves saint laurent cabas
yves saint laurent chyc clutch
yves saint laurent clutch
yves saint laurent clutch bag
yves saint laurent crossbody bag
yves saint laurent downtown bag in plum
yves saint laurent easy bag
yves saint laurent fringed bag
yves saint laurent green patent
yves saint laurent grey bag
yves saint laurent handbags
yves saint laurent leather tote bag
yves saint laurent mala mala
yves saint laurent messenger bag
yves saint laurent mombasa
yves saint laurent muse
yves saint laurent muse 2 handbag
yves saint laurent muse ii
yves saint laurent muse two bag
yves saint laurent patent leather
yves saint laurent patent leather tote 
yves saint laurent pink patent
yves saint laurent purse
yves saint laurent rive gauche
yves saint laurent rive gauche black wallet
yves saint laurent roady model handbag
yves saint laurent two tone
yves saint laurent vavin tote bag
yves saint laurent vintage
yves saint laurent wallet
yves saint laurent wallet black patent leather
yves saint llaurent
yves st laurent hobo ranch bag

username
password
   Forgot your username
and/or password?
Free Office Consultation
Home
Our Firm
Practice Areas
Bankruptcy News
Bankruptcy Blog
Directions
FAQ
Contact Us
Site Map
Chapter 13 Bankruptcy
Chapter 7 Bankruptcy
Credit and Debt
Credit Repair
Debt Collection
Mortgage Service Abuse
  
Current Clients:
Click here to register with our website and receive updates on the status of your case.

Free Office Consultation

Click Here to Start

What to Expect in Bankruptcy Court

Notice of a First Meeting of Creditors
What Happens at the First Meeting of Creditors
What to Bring
What Not to Bring
How to Be Prepared
What Does the Trustee What to Ask Me?
After the Meeting
Canceling State Court Judgments


If you have filed a bankruptcy petition you are required by law to appear with your lawyer and answer questions by the Bankruptcy trustee. This usually occurs in a court house or the trustee’s office. This is required no matter what Chapter of the Bankruptcy Code you file under. Chances are that you will not get to see a judge. You are welcome to attend any bankruptcy court proceeding at any time.

Notice of First Meeting of Creditors

You should expect to get a Notice of Commencement of Case from the Court about a week after you file. This sets the date and time for the first meeting of creditors. This is where the trustee and your creditors get to ask you questions under oath. It is also called a 341(a) meeting since that is the section of the Bankruptcy Law that requires this ‘question and answer’ session.

When you get this notice in the mail, call your lawyer and advise that you know about the meeting. You will get at least 2-3 weeks notice. Plan for 2-3 hours of the day in addition to your travel time. Find out where the court house is and make sure you understand the directions to get there. A dry run the day before is a good idea. You do not need to dress up. You can get directions by clicking here.

(back to top)


What Happens at the First Meeting of Creditors

Although it is not in a court room take the meeting seriously. You will be placed under oath. This means you promise the trustee you will tell the truth. A recording will be made of the meeting. You ARE testifying in a legal proceeding. The trustee may allow creditors to ask you questions. Usually, the trustee conducts the hearing. The trustee must hold this meeting. Both you and your spouse (if you are married) must attend if you have both filed the bankruptcy case. In most cases the meeting will take less than ten minutes.

(back to top)


What to Bring to the Hearing

  • Your government issued photo ID such as a driver’s license or passport.

  • Your social security card or a couple of pay stubs with your social security number on them

YOU MUST HAVE A GOVERNMENT ISSUED PHOTO IDENTIFICATION AND PROOF OF YOUR SOCIAL SECURITY NUMBER.

THE TRUSTEE IS NOT ALLOWED TO HOLD THE FIRST MEETING OF CREDITORS WITHOUT THESE IMPORTANT DOCUMENTS.  

THIS IS HOW IDENTITY THEFT AND BANKRUPTCY FRAUD ARE PREVENTED. THESE ARE MAJOR PROBLEMS.

  • If you own a house, a copy of the deed to your house and your mortgage statement if you own a house.

  •  A copy of any paper showing the balance due on your cars if you have car loans.

             In Chapter 13 cases, please bring proof of your income and your most recent federal and state tax returns. You must satisfy the trustee your taxes have been filed or will be by the time the case is confirmed by the bankruptcy judge.

(back to top)


What Not to Bring

  •   DO NOT TRY TO BRING A CELL PHONE INTO THE COURT HOUSE.

  • The guards will not let you past the metal detector

  •   DO NOT BRING ANYTHING ILLEGAL SUCH AS WEAPONS, POCKET KNIVES, MACE OR PEPPER SPRAY

(back to top)


How to be Prepared

There will be 20 or 30 cases at a time for each hour. The trustee case load is usually heavy but it moves quickly. Try to be a few minutes early. No one will be allowed to badger, harass or humiliate you. You will be treated with dignity and respect at all times.

Your lawyer will attend the first meeting of creditors with you. Your lawyer will sit next to you while you are speaking with the trustee. Your file will be available to you to look at.

You should relax and not stress yourself out. It is not a test. Be sure to tell your lawyer about anything that is worrying you. Be sure you are completely truthful and respond to the trustee’s questions to the best of your ability. Your lawyer can assist you but can not testify for you. The trustees appreciate you having your photo identification and social security card or other proof of your social security number ready for them to look at as soon as your case is called. This saves everyone time.

(back to top)


What Does the Trustee Want to Ask Me?

What will you be asked? The trustee is looking to find assets above the value of your exemptions that can be turned into money to be paid to your creditors. Anything below the amount of the exemptions you get to keep under almost all circumstances. The questions below are some but not all of the questions that may be asked of you. You do not need to memorize your lines.

The trustee will want you to identify your signature on the petition filed for you. You will be asked for any corrections or changes.

  • Do the petition and schedules accurately and completely list all of your debts and all of your assets? (If you have left anything out tell the trustee about this so it can be corrected).

  • Does anyone owe you any money?

  • Do you have the right to sue anyone?  

  • Have you owned any real estate within the last six years?

  • Are you expecting to inherit anything from any one?

  • Does any one hold anything that belongs to you?

  • Do you have anything that belongs to some one else?

  • What got you into financial trouble?

  • Has your lawyer explained to you what a Bankruptcy discharge is?

When the trustee is done, if any of your creditors have appeared they get to ask questions briefly.

In Chapter 13 cases, the trustee will recalculate the plan payments. Your lawyer may be asked to amend the plan by increasing the payment amount or the length of the plan or to make some other adjustment.

(back to top)


After the Meeting

The trustee may ask for more information from you to be sent to his or her office. Please provide this to your lawyer quickly. This lets the trustee handle and close your case quickly and efficiently. You have a legal obligation to give the trustee all information requested of you.

After 60 days has gone by from the day of the first meeting of creditors , the bankruptcy court clerk’s office will check to see if any one has filed a lawsuit called an adversary proceeding against you to object to your bankruptcy discharge or to the discharge of any specific debt. If no complaint has been filed commencing an adversary proceeding against you (these are rare), you should expect to get a Notice of Discharge in the mail about 75 days after the first meeting of creditors. Except for your duty to tell the trustee if you inherit anything during the 180 days after the bankruptcy case is filed, the case is over

Keep the discharge in a safe place where you can find it. It is a valuable document. With certain exceptions, it means you no long owe the debts listed on your bankruptcy petition.

(back to top)


Canceling State Court Judgments

If you have been sued and a judgment entered against you before you filed your bankruptcy case, the judgments can be removed from the New Jersey Superior Court records no earlier than one year after you get your bankruptcy discharge.

This is done by filing a motion with the state court where the judgment was entered. It is not included in the legal fee you have paid for your bankruptcy case.

(back to top)