341 Meeting of Creditors


Initially Scheduled Meeting Included in Basic Bankruptcy Fee

Under section 341 of the Bankruptcy Code, a debtor must attend a meeting of creditors (also called the “341 meeting”) approximately 4-6 weeks after the bankruptcy case is filed at the court. The meeting of creditors is conducted by a trustee – either the Chapter 13 Trustee or, usually, one of the trustee’s attorneys in a chapter 13 case or in a chapter 7 case a panel trustee, usually a private attorney appointed by the United States Trustee’s Office. The trustee and the date and time of the meeting are assigned by the court at the time the bankruptcy petition is filed, which is also when the case is assigned to a specific judge.

Meetings of creditors for Denver-based cases are held in Room A, B or C of the U.S. Trustee 341 Meeting Suite, 1999 Broadway, 8th Floor, Suite 830, Denver, CO 80202. The building is on the north side of the intersection of Broadway, 19th Street, and Welton Street. the middle of the block on 19th Street between Stout and California Streets. This web page shows the locations of all 341 meetings of creditors in Colorado.

Meetings of creditors for chapter 7 cases are scheduled for every day of the week. Meetings of creditors for chapter 13 cases usually are held on Tuesday. Each case is assigned to a half-hour docket of approximately 4-6 cases. The 341 meeting is an opportunity for the trustee to review the bankruptcy petition and supporting documents like the statement of financial affairs, schedules of assets and liabilities, and budget. Part of the chapter 7 trustee’s job is to identify, collect and liquidate (turn into money) any nonexempt assets or property of the bankruptcy estate available to pay unsecured creditors.

At least 7 court days (not calendar days) before the 341 meeting, a debtor (through his or her attorney) must provide the trustee with copies of the most recent federal and state tax returns with supporting documents like W-2s and Forms 1099. Read the entry titled “Federal and State Tax Returns.”

A debtor also must provide legible copies of certain pay stubs and financial statements. The trustee reviews the debtor’s pay stubs received post petition to figure out what amount had earned by the debtor but not yet paid as of the date that the petition was filed at the bankruptcy court. The trustee also reviews bank or other financial statements to see how much money was on deposit in bank or other financial accounts on the petition date. The Trustee’s Information Sheet and a statement about Domestic Support Obligations must be completed and signed by each debtor before meeting with the trustee. At the meeting, each debtor must provide the trustee with a current government-issued photo identification (usually a driver’s license) and a social security card to verify identity. Photocopies of IDs or social security cards probably will not be accepted. A trustee may continue or postpone the meeting to later date if proper documentation or identification is not provided.


During the 341 meeting, the trustee asks a debtor questions under oath or penalty of perjury and allows any creditor who shows up to ask questions. The debtor’s attorney appears with the debtor at the meeting, but the questions  normally are intended for the debtor. Creditors usually do not appear at the 341 meeting, but they still have sixty days after the meeting to file an objection to discharge. Questions should be answered truthfully and concisely, without rambling. The trustee or a creditor can ask followup questions if more information is necessary. Listen to each question carefully, and briefly answer the question asked. If a question is unclear, ask that it be re-phrased.

The actual time spent with the trustee is usually minimal – less than 5-10 minutes in the average, no-asset case. But a trustee’s docket may be delayed by an hour or more, especially later in the morning or the afternoon. Anticipate a delay when making parking arrangements and scheduling other matters that day.

As a courtesy to others, the trustee should be notified in advance of the need for, or the possible need for, a translator. Interpreters are available by telephone for approximately 179 different languages and dialects. Friends and family members may not be used as interpreters. American Sign Language interpreters are available thorough the Office of the United States Trustee. Arrangements for a sign language interpreter should be made at least a week before the 341 meeting.

The following lists summarize information needed for the meeting of creditors in a chapter 7 case and a chapter 13 case. Please note that these lists do not include everything that may be required for the meeting. If you have filed a chapter 7 case, be sure to read carefully the entry titled “Guidelines for Submission of § 341 Documents in Chapter 7 Cases” for additional information that must be provided and for forms that must be completed before the meeting of creditors. 

Summary of Information for Chapter 7 341 Meeting
Summary of Information for Chapter 13 341 Meeting
  • Most recently filed federal tax return  – must be provided to trustee no later than 7 court days before the 341 meeting to avoid dismissal of case
  • Pay stubs showing any earnings earned but not paid or received as of date of the filing of the bankruptcy petition (usually the first one or two pay stubs received post petition depending on pay frequency)
  • Financial statements showing the balance as of the date of the filing of the bankruptcy petition for any checking, savings, money market, certificate of deposit, custodial, or other financial account that you own, have your name on, or to which you have any right whatsoever
  • Any other information requested


  • Most recently filed federal tax return  – must be provided to trustee no later than 7 court days before the 341 meeting to avoid dismissal of case
  • Pay stubs showing any earnings earned but not paid or received as of date of the filing of the bankruptcy petition (usually the first one or two pay stubs received post petition depending on pay frequency)
  • Financial statements showing the balance as of the date of the filing of the bankruptcy petition for any checking, savings, money market, certificate of deposit, custodial, or other financial account that you own, have your name on, or to which you have any right whatsoever
  • Any other information requested



Careful preparation of the bankruptcy petition and all supporting documents enhances credibility and avoids time spent responding to inquiries about information that is incomplete or contradictory. When documents are prepared and available in advance of the meeting of creditors, the trustee can perform his or her job more efficiently, saving time during and after the meeting of creditors.

If possible, provide all information and documents needed for the meeting of creditors at least 14 days before the 341 meeting, so it can be sent to the trustee before the tax return deadline. Certain information must be redacted or deleted from the documents before being provided to the trustee—for example, all but the last 4 digits of any Social Security number and the name of any minors. See the entry titled “Federal and State Tax Returns” for more about redacted information, which should be done by your attorney. Documentation must be sent electronically from me to the trustee. If you can provide me with information and documents in an electronic format, rather than paper, that saves time, trouble and expense.

Please call or email me as soon as possible if you have any questions or concerns about the information or documents requested or if you need assistance preparing or completing them.