This page explains the Section 341 Meeting of Creditors, a mandatory step in every bankruptcy case. It provides guidance for debtors, attorneys, and other participants on what the meeting is, how it works, and how to prepare.

Visit the US Trustee Program resource page for the 341 Meeting

What the 341 Meeting Is

  • A required meeting in all bankruptcy cases.
  • Not a court hearing — no judge is present.
  • Conducted by a bankruptcy trustee.
  • The debtor answers questions under oath about:
    • Their bankruptcy paperwork
    • Property
    • Debts
    • Income
    • Expenses
  • Creditors may attend and ask questions, though this is uncommon.

How the Meeting Is Held

  • Almost all meetings are held virtually via Zoom.
  • Debtors must follow:
    • Instructions in the official meeting notice from the court
    • Any additional instructions from the trustee

The page includes videos demonstrating what to expect, including simulated Chapter 7 and Chapter 13 meetings.

What Debtors Must Provide Before the Meeting

The page outlines required documents that must be sent to the trustee at least 14 days before the meeting (or within another timeframe set by the trustee):

1. Identification Documents

  • Government‑issued photo ID
  • Proof of Social Security number
  • If unavailable, a written statement explaining why
  • The page links to lists of acceptable IDs (English and Spanish)

2. Financial Information

  • Evidence of current income (e.g., recent pay stubs)
  • Bank and investment account statements covering the petition date
  • Documentation for certain claimed monthly expenses under §707(b)(2), such as:
    • Extra food/clothing allowances
    • Child education expenses
    • Excess home energy costs
    • Special circumstances

If documentation doesn’t exist, the debtor must provide a written statement.

3. Tax Return

  • A copy of the most recent federal tax return (or transcript)
  • Must be provided at least 7 days before the meeting
  • If unavailable, a written statement must be provided

These items are in addition to any documents specifically requested by the trustee.

Additional Information

  • Every Chapter 7, 12, and 13 case has a private case trustee appointed by the U.S. Trustee.
  • Trustees conduct the meeting and carry out additional duties depending on the chapter.