In both Chapter 7 and Chapter 13 bankruptcy, the debtor must attend a meeting called the 341 hearing or the meeting of creditors. The bankruptcy trustee presides over the meeting. You must provide certain documents either before or at the meeting of creditors. Some of those documents are required by law, some by the procedures in place in your district, some by the trustee’s preference, and others by the particular circumstances in your case.
Bankruptcy law requires that you provide the following documents:
Last tax return. You must provide a copy of your last tax return filed to the bankruptcy trustee at least seven days prior to the date set for your creditors meeting. This requirement is strictly enforced. Generally, your 341 hearing will not go forward if you do not comply, in advance, and your case could be dismissed.
Identification documents. The trustee must verify your identity and your social security number at the creditors meeting by reviewing certain documentation. Consequently, you will be asked to bring a government issued identification card containing a photograph and proof of your social security number to the creditors meeting.
Failing to provide your last filed tax return to the trustee at least seven days prior to the 341 hearing, bringing documents to the 341 hearing which do not satisfy the identity verification requirement, or not providing documents at all will result in the 341 hearing being continued or your case being dismissed.
Some trustees have standardized lists of documents that the debtor must provide prior to the 341 hearing, while other trustees limit their requests to items that they feel require clarification or verification. While the bankruptcy law does not identify these specific documents, it does provide that it is the debtor's duty to turn over documents to and cooperate with the trustee. If you fail to comply with your obligations, the court could deny your discharge or dimiss your case.
Trustees often request any or all of the following: