In Portland, at the meeting of creditors, you will first hand over your proof of social security number and your photo identification to the trustee who will briefly swear you in, asking for your name and address for the record. You will then sit down at a table with your attorney seated to your left facing the trustee and his assistant.

The Portland Chapter 13 Bankruptcy Trustee’s assistant will start by asking you a simple series of questions that is asked of everybody. These questions are easy to answer with yes or no. For example, you will be asked if you listed all your creditors in your bankruptcy petition. After the assistant finishes up, the trustee’s attorney may ask some questions, but these are usually directed at your attorney, and cover technical aspects of your Plan. Your attorney will sit with you at the hearing, will answer the technical questions. The hearing usually lasts about six or seven minutes. While Creditors are allowed to attend the meeting and ask relevant questions if they want, they rarely attend.

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