The meeting of creditors, which is also sometimes referred to as a "341 meeting," is a meeting all debtors must personally attend. If the case involves spouses filing jointly, both spouses must appear at this meeting. The primary purpose of this meeting is to provide an opportunity for creditors and the trustee to question the debtors under oath about their bankruptcy petition and schedules.

At the meeting of creditors, the trustee reviews the debtor's petition and schedules face-to-face with the debtor. The debtor is required to answer questions under penalty of perjury (swearing or affirming to tell the truth) about the debtor's conduct, property, liabilities, financial condition, and any other matter that may affect the administration of the case or the debtor's right to discharge.