You might think that filing for bankruptcy is challenging. However, if you do not own any assets, a no asset bankruptcy can be very easy and straightforward. However, one aspect of a no asset bankruptcy that you will want to go smoothly is the meeting of creditors. This is the most important part of your bankruptcy process.
Beware of Security
Locate the courthouse before the meeting. You do not want to be late for the meeting because you could not find it. Also, keep in mind that you will need to find a place to park. You will have to go through security, so do not bring any weapons or anything that could be perceived as a weapon, such as a box cutter.
Do not lie when you are participating in a meeting with your creditors. Committing bankruptcy fraud can cause serious legal problems for you. If you lie under oath, you are committing perjury. Your lies can lead to an end to the bankruptcy proceedings and you will have to pay fines. Provide as many relevant details as possible because you never know what will help your case. For example, your house might be worth more than expected because it needs a lot of maintenance.
Your creditors are required to speak to you in a cordial manner. Therefore, there is no reason for you to be combative. They cannot respond to you if you lash out at them in anger. If you argue, this will simply prolong the meeting with the creditors. If you feel uncomfortable with the idea of a meeting with your creditors, make sure to hire a bankruptcy attorney who can assist you with the process. Also, if you are not sure how you should respond to a question, you should consult with your bankruptcy attorney.
Don't Bring Your Cell Phone
Do not bring your cell phone in the courtroom. If you accidentally bring your cell phone with you, there will usually be a place where you can store your cell phone in a box. Instead, make sure to bring your driver's license and a social security card to verify your identity.
Make Sure to Attend
You may discover that several of the creditors do not show up. However, it is still important to attend your meeting with the creditors. After it is over, you will be on the road to financial recovery.
Contact a chapter 7 bankruptcy filing service for more help.