Preparing for your Meeting of Creditors

Minneapolis // Chapter 13

When is my first plan payment due?

You’ll need to mail your first payment (by cashiers check or money order) to the trustee within 30 days of filing Chapter 13. You should receive a letter in the mail describing how to make that payment, but if you don’t get it before your payment is due, please let us know. The address (for mailing payments only) is: 

Gregory A. Burrell, Trustee

P.O. Box 860026

Minneapolis, MN 55486-0026

What do I need to send in before the meeting?

At least ten days before the meeting we'll need:

  • Your last-filed tax return if you have not provided it already

  • Copies of all paystubs from the date your bankrutpcy was filed until the present;

  • Copies of all checking and savings statements from the date your bankrutpcy case was filed unil the present;

  • You may get additional requests from your attorney, please start gathering these documents right away.

What should I have in front of me at the meeting?

  • Your drivers license, passport, or other official picture ID

  • Your Social Security card. If you don’t have your Social Security card, you may use a recent W2 or 1099 tax statement, as long as it has your full Social Security Number on it. If you do not have any of these, please call us as soon as possible.

How is the meeting held?

Meetings are held over the Zoom app. This will require a cell phone with video and data capabilities OR a webcam- and microphone-equipped computer. If using a cell phone, you must install the Zoom app in advance of the hearing date. If using a computer, you may also download the Zoom application or click start from your browser when connecting to the meeting.

How long will the meeting take?

Your hearing will usually take 5-10 minutes.

How should I answer questions from the trustee’s attorney?

Truthfully. If a question is unclear, your attorney or the trustee’s attorney may ask further questions to clarify.

What will the trustee’s attorney ask?

Here are some of the topics they may ask about:

  1. Your assets (asking you to describe them, or to justify the value you listed on the bankruptcy schedules);

  2. Your income (determining whether you have any additional sources of income, whether you receive bonuses, etc.);

  3. Your expenses (the trustee may ask you for details on certain expenses, or why a larger-than-normal expense is necessary for your household);

  4. They may want to make sure that you understand how your Chapter 13 plan works;

  5. They may need follow-up information and can ask for that at the meeting or afterward.

What are the next steps in my case?

  • The trustee may have follow-up questions or need information after your hearing. That's totally normal.

  • There is a second hearing, the confirmation hearing, but you normally do not have to show up for that.

  • You must complete your second online credit counseling course. This is different than the one your completed before your bankruptcy filing. You can register for the course at this link.