Most bankruptcy filers do not have to go to court.
Instead, every Chapter 7 case will be scheduled for a meeting of creditors, which does not take place in a courthouse. In Newark, New Jersey, the meetings of creditors take place in a downtown office building. Most large creditors (such as credit card companies) typically do not show up for these meetings, which usually only last about 5 minutes.
At the meeting of creditors, the trustee assigned to your case will ask you a series of questions regarding your bankruptcy while you are under oath.
But sometimes, a bankruptcy case is more complicated than average and a court hearing might be needed. David Harris, a Pennsylvania bankruptcy lawyer, provides a good outline of some instances when a court appearance might be required.
If you are in New Jersey and seeking a Chapter 7 bankruptcy lawyer, call 201-676-0722.
Photo by joseph a.
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