Every bankruptcy case has one required meeting. It is called the 341 meeting of creditors, named after Section 341 of the Bankruptcy Code. The name sounds scary. The meeting is usually short and calm.
It is on Zoom in the Western District of Kentucky
You will not go to a courtroom. In the Western District of Kentucky, all Chapter 7 and Chapter 13 meetings of creditors are held by Zoom video. The meeting ID and passcode are on your 341 notice. You join by video from a quiet room. Use a phone, tablet, or computer with a camera. The Louisville division runs on Eastern Time.
Who runs the meeting
A bankruptcy trustee runs it, not a judge. Many trustees are accountants or CPAs. The trustee places you under oath and asks questions about your forms. Creditors may join, but most do not show up. You are basically being checked for assets and income, so honest, well prepared forms make the meeting quick.
What to bring and send ahead
You must prove who you are. Bring your government photo ID and your Social Security card to the video meeting. Send required documents to the trustee at least 14 days before the meeting. That list usually includes proof of income such as pay stubs, your last two years of tax returns, car titles, and a recorded copy of your deed and mortgage if you own a home. All returns for the last four years must be filed. Miss the 14-day deadline and the trustee can ask to dismiss your case.
A local detail many sites miss
In the Western District of Kentucky, a Chapter 13 plan is usually confirmed the same day as your 341 meeting. In the Eastern District, confirmation happens at a separate hearing later. Knowing this helps you plan for one date, not two.
How to get ready
Show up a few minutes early. You may start in a Zoom waiting room and then watch other cases until the trustee calls yours. Keep your microphone muted until it is your turn. We send our clients a copy of their petition to read from during questions. Most prepared clients are done in under ten minutes.
Have a 341 meeting coming up? Call Nick Thompson at 502-625-0905. We prepare every client for the trustee’s questions before the day arrives.
Frequently Asked Questions
No. In the Western District of Kentucky, 341 meetings are held by Zoom video. You join from
home using the meeting ID on your notice.
Your government photo ID and your Social Security card. Required financial documents must
reach the trustee at least 14 days before the meeting.
Usually under ten minutes when your forms are complete. The trustee asks a short set of
standard questions under oath.
They can, but they rarely do. Most meetings involve only you, your attorney, and the trustee.