Meeting of Creditors
A meeting of creditors, sometimes referred to as a 341 meeting, will be scheduled between twenty and forty days after a case is filed.
Attendance is Required
If a debtor does not attend their meeting of creditors, the Trustee may submit a proposed order dismissing the case. The case may be dismissed without further notice or hearing and the dismissal may be with prejudice meaning the debtor cannot file another bankruptcy case for 180 days.
A debtor’s initial proposed plan payment is due to the Trustee no later than thirty days from filing a bankruptcy petition.
If a debtor is not current at the time of their meeting of creditors, the Trustee may submit a proposed order dismissing the case. The case may be dismissed without further notice or hearing.
It is a good idea for debtors who are not self-employed to submit to a Wage Deduction Order to the court prior to their meeting of creditors.
Debtors can make payments via payroll deduction (wage deduction), cashier’s check, money order, or online. Mail cashier’s checks or money orders should be mailed to:Laurie K. Weatherford, Trustee
PO Box 1103
Memphis, TN 38101-1103
A debtor’s name and case number must be listed on all payments. The Trustee will return any payment that does not comply with the above-mentioned requirements and the debtor will not be credited for that payment.
Nationwide TFS Bill Pay
Nationwide TFS Bill Pay allows debtors to make plan payments online.
MoneyGram ePay for Chapter 13 Bankruptcy Payments is provided by TFS and allows debtors to make plan payments with a TFS MoneyGram card at any MoneyGram location.
The Trustee will request the following forms from debtors at a meeting of creditors:
341 Forms & Disclosures for Debtors - this is a required form for all debtors
Domestic Support Obligation forms - this is only required for debtors with domestic support obligations
Statement Regarding Non-Filing of Income Tax Return - this is only required for debtors who are not required to file income tax returns
Helpful Resources for New Debtors
Middle District of Florida Bankruptcy Pro Se Clinic
If you filed pro se, meaning without an attorney, and have questions, contact the Bankruptcy Pro Se Clinic.
National Data Center
The National Data Center can help debtors, and their attorneys, gain access to their Chapter 13 Bankruptcy case information securely through the Internet. To begin, visit www.ndc.org and click the “Get Started” button to register for your username and password.