Documents to Bring to the Bankruptcy Meeting of Creditors

Learn what documents you must bring to the meeting of creditors (341 hearing) in your bankruptcy case.

By , Attorney

When you file for Chapter 7 or Chapter 13 bankruptcy, the court assigns a bankruptcy trustee to oversee and administer your case. To verify that the information in your bankruptcy paperwork is accurate, the trustee compares it against your supporting documents and examines you at a hearing called the meeting of creditors (also referred to as a 341 hearing). Read on to learn more about what documents you should bring to your meeting of creditors.

For more information on what to expect at the 341 hearing, see this article on The Meeting of Creditors.

Documents to Verify Your Identity

Before the bankruptcy trustee can examine you at the meeting of creditors, he or she must verify your identity and Social Security number. This means that you should bring with you government-issued photo identification and proof of your Social Security number.

To prove your Social Security number, your Social Security card works best. But most trustees will also accept the following:

  • tax return prepared by a third party (such as a tax professional)
  • military identification card with your Social Security number
  • W-2 statement, and
  • official letter from the Social Security Administration or the IRS.

If you forget to bring your identification or proof of Social Security number, your hearing will be rescheduled and you will have to come back at a later date.

Supporting Documents

Your bankruptcy paperwork contains information about your income, assets, debts, and other financial affairs. To prove that all of the information in your bankruptcy petition is complete and accurate, you must provide certain supporting documents to the trustee.

The amount of documentation you must bring to your 341 hearing will vary depending on your trustee, the rules in your jurisdiction, and whether you are filing for Chapter 7 or Chapter 13 bankruptcy. But some of the most common documents you may have to bring to your meeting of creditors include your:

  • tax returns
  • pay stubs
  • bank statements
  • retirement account statements
  • profit and loss statements (if you are self-employed)
  • mortgage documents including deeds of trust and loan statements
  • car registrations
  • car loan statements
  • proof of home or car insurance, and
  • property valuations.

In addition, it's a good idea to bring your complete bankruptcy petition and schedules with you to your meeting of creditors. If the trustee has a question about a specific item contained in your petition, you will be able to address it more easily and accurately if you have a copy of your paperwork with you.

What If You Already Sent the Documents to the Trustee Prior to Your Hearing?

You must provide a copy of your most recent federal tax return to the trustee at least seven days prior to your first scheduled 341 hearing. Further, many jurisdictions require debtors to file with the court any pay stubs received within the two months before bankruptcy. But your bankruptcy court or trustee may require you to send additional documents prior to your meeting of creditors.

Even if you already provided the trustee with all supporting documents prior to the meeting of creditors, bring copies of everything with you to the hearing in case the trustee requires an additional copy or you need to refer to a specific document.

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