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General Topics
Bankruptcy is Alive and Well. DON'T BELIEVE THE HYPE!
Chapter 7, specifically
Chapter 13, specifically
What is bankruptcy
Are there alternatives
Am I eligible
Can I keep property
How to decide
Does my spouse have to file
How long does it take
What will it cost
What will bankruptcy stop
Should I tell my creditors
What about my home
Should I load up on debt
Can I include utilities
Include all debts & property
What happens at the hearing
I have a business
Secured creditors
Are bankruptcies reported
Are employers notified
Can I cancel my bankruptcy
Types of bankruptcies
Do I attend a hearing
What should I do
What will it cost?


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What happens at the bankruptcy hearing?

A. You appear at a hearing room along with other persons who have filed bankruptcy. You are sworn in, and you answer any questions that the Bankruptcy Trustee may have.   We will provide you with a list of questions usually asked by the trustee.  Once the Trustee is finished, any of your creditors may ask you questions. However, creditors rarely appear at this hearing, and they are limited in the questions they may ask.   Priority creditors and unsecured creditors are not likely to attend.    Secured creditors generally attend only to finalize reaffirmation agreements or to arrange for the pick up of surrendered collateral.   These hearings are not generally anything like what you see on TV (LA Law or Perry Mason).

Generally, the whole hearing takes only a few minutes, although there is usually a wait for your case to be called.