An attorney at Mesa Bankruptcy Lawyers will assist through every step of the bankruptcy process — including representation at the 341 hearning.
For many debtors filing for bankruptcy, it can be hard to get time off work or find childcare to attend a 341 Meeting of Creditors. Many clients ask if they truly need to attend. In general, the answer is YES. Here are some common reasons clients want to avoid attending their 341 Meeting of Creditors.
–They can’t collect the trustee’s requested documents in time: This will likely result in a continuance, meaning they will have to attend a different 341 at a later date. This also means the date their bankruptcy is eligible for discharge will be pushed back. This is why it is vital that you start collecting your documents as soon as possible after receiving your Trustee Letter.
–They forget or can’t get time off work: This will again result in a continuance. This may not sound like a big deal, but it is highly unfavorable. Missing any additional 341 Hearings may result in a Chapter 7 being dismissed.
–They are physically unable to attend: Attending the 341 Meeting of Creditors may be impossible if the client is hospitalized or has a serious illness or injury. Their attorney should file a Motion to Waive Appearance if that is the case so the attorney may appear on the client’s behalf.
–They have moved out of state: The debtor may be able to appear telephonically at the Trustee office in their new jurisdiction.
What If You Don’t Show up at the Meeting?
It would be a serious mistake to not show up for your 341 hearing. Especially if you “no show” your 341 meeting without a prior explanation to your bankruptcy trustee. Sans an explanation, the trustee is less likely to agree to a continuance or re-scheduling of your meeting of creditors.
Additionally, you should always assume that it will be mandatory for you to attend your 341 Meeting of Creditors. It is the creditors’ chance to object to your debts being discharged. Our experienced attorneys will attend your 341 Hearing with you should you retain, and file any applicable motions if it is impossible for you to attend. Call our office today to schedule a free consultation.
Please keep in mind that your attorney will probably have to attend your meeting of creditors even if you are unable to attend in order to achieve a successful continuance. This additional hearing may lead to additional charges to you from your bankruptcy attorney. Often, the fee quoted and paid for a bankruptcy is inclusive of 1 (one) meeting of creditors appearance. An additional court appearance because you are unable to make your 341 usually leads to an added expense to your bankruptcy. All of the details should be laid out in your contract agreement you have with your bankruptcy lawyer.
Declaring bankruptcy stops wage garnishments from creditors where they are in the process. However, you won’t necessarily get any of the money back that has already been taken from you through the garnishment. The idea is to stop a garnishment before your creditors take action against you. That is the best way to assure that you won’t lose any of your hard-earned money in a garnishment.
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Spend Any Extra Money You Have… On Your Debt
We believe that the explanation above is clear, but we will break it up for you. Basically, a discharge declares that the debtor is not legally required to pay any debts that were discharge in court or through an attorney. Also,you will not be fully relief you from all your debts. However, the debts that were discharge, the creditors will stop taking any form of collection action on the discharge debts. That means no more phone calls or letters from the creditors. The discharge only focuses on debts, not a bankruptcy trustee. You need to have that very clear. A bankruptcy trustee will still be sending you a demand letters. Talk with your 
If you believe you need to claim bankruptcy in the state of Arizona, you need the guidance of a bankruptcy lawyer from a reputable 
Although it may not be easy, and you must be careful at all times, buying a home after filing for an Arizona bankruptcy is entirely possible. You have to be vigilant and make sure that all of your finances are in order. You should always keep in mind the troubles you went through before and during the bankruptcy. This is the only way that you can really avoid doing it again. You also need to be patient. You may think that once you file for bankruptcy, your troubles are over, but in order to prevent it from happening again, you can’t go back to your frivolous ways. Save your money, take time to gather yourself and your funds, and soon you will be perfectly capable of buying a home once again.
The shortest waiting time to file for bankruptcy will be if you are looking at a Chapter 13 after you have already filed for Chapter 13. You will be able to re-file after only two years from the date of your initial filing. Since most repayment plans are for three to five years, chances are good that you will still be under a Chapter 13 restructuring when you are permitted to file again.
Global strategists are happy to report that there are no signs of a recession happening soon. The economy is growing, although at a slow pace. However, borrowing trends are appearing to rise at a rate higher than household incomes can handle. Most of this ties into the student loan crisis as well as increased auto loan debts this year. This trend may be something to be concerned about in the future, although these loan categories are modest. Sixty seven percent of all household debt in the United States is from mortgages, while nine percent accounts for student loans and less than seven percent account for auto loan debt. Hopefully, we can maintain our country’s current pleasant economic state and continue growing.