What Is the 341 Meeting of Creditors? What to Expect in Florida
If you’re filing for bankruptcy in Florida, one of the most common questions is: What exactly happens at the 341 meeting of creditors?
Although the term may sound intimidating, this meeting is typically brief, straightforward, and an important part of the bankruptcy process. Here’s what you need to know if you’re preparing for a Chapter 7 or Chapter 13 filing in Florida.
What Is the 341 Meeting of Creditors?
The 341 meeting—named after Section 341 of the U.S. Bankruptcy Code—is a required step in both Chapter 7 and Chapter 13 bankruptcy cases.
It’s a court-supervised meeting where you, the debtor, meet with your bankruptcy trustee and possibly your creditors. Despite being part of the legal process, this is not a court hearing, and no judge is present.
When and Where Does It Happen in Florida?
In Florida, the 341 meeting typically occurs 20 to 40 days after your case is filed. Meetings are held:
- By phone or video conference (especially after COVID-era adjustments)
- Or occasionally in person, depending on jurisdiction
You’ll receive a formal notice from the court with the date, time, and instructions.
What Happens During the Meeting?
A typical 341 meeting lasts about 10 to 15 minutes. The trustee—appointed to oversee your case—will:
- Verify your identity (you’ll need government-issued photo ID and proof of Social Security number)
- Place you under oath
- Ask basic questions about your finances, assets, debts, and the information in your bankruptcy petition
Sample Questions You Might Be Asked:
- Did you review your bankruptcy petition before signing it?
- Are there any changes to your income or assets since you filed?
- Do you expect to receive any inheritance or lawsuits?
- Have you transferred any property recently?
In most cases, creditors do not attend, but they have the right to if they choose.
How to Prepare for the 341 Meeting
Here’s how to be ready:
- Bring valid ID and Social Security documentation
- Review your bankruptcy petition carefully—make sure everything is accurate
- Be honest and concise in your answers
- Consult with your bankruptcy attorney beforehand so you understand what to expect
Your attorney will typically attend with you and can help prepare you for the types of questions you’ll be asked.
What Happens After the Meeting?
For most Florida filers, the 341 meeting is the only formal interaction with the bankruptcy process beyond paperwork. After the meeting:
- In a Chapter 7 case, the trustee may file a report allowing your debts to be discharged within 60–90 days
- In a Chapter 13 case, your repayment plan may proceed to confirmation by the court
If additional documentation is requested during the meeting (like updated pay stubs, tax returns, or bank statements), you’ll need to submit those promptly to avoid delays.
What If You Miss the 341 Meeting?
Missing your 341 meeting can lead to dismissal of your case, unless you have a valid reason and the court reschedules. If you know in advance that you’re unavailable, speak to your attorney immediately.
Do You Need to Be Nervous?
No. The 341 meeting is not adversarial. It’s simply a way for the trustee to confirm your information and ensure that your filing complies with federal bankruptcy law. With proper preparation and legal guidance, the process is routine and manageable.
Consult a Bankruptcy Attorney in Tampa for Guidance
If you’re considering bankruptcy or have already filed, having a knowledgeable advocate on your side makes all the difference. At the Debt Relief Law Offices of Tampa Bay, we guide clients through every stage of the process—including what to expect at your 341 meeting.
With over 35 years of experience helping Florida residents regain financial control, we’re here to support you from start to finish.
Serving clients in Tampa, New Port Richey, Wesley Chapel, and surrounding communities
Schedule your confidential consultation today.
Ziona Kopelovich, Esq. is a Board-Certified Consumer Bankruptcy Attorney and founder of Debt Relief Law Offices of Tampa Bay. Since 1996, she has helped Floridians navigate Chapter 7 and Chapter 13 filings, lien stripping, foreclosure defense, and post-discharge credit rebuilding. Passionate about second chances, Ziona blends deep legal expertise with genuine compassion to guide clients toward brighter, debt-free futures.
