So what happens when a creditor actually shows up for your 341 hearing?

Nothing noteworthy.

Their appearance isn't all that strange since they were quite literally invited to the event when you filed, but it makes clients nervous to have them at the hearing, and permitted to ask questions of the debtor (that's you).

Anyway, here is their very limited role at the First Meeting of Creditors:

Lawsuits Are Irritating. Pesky Creditors!

There are days when it feels like if you didn't have bad luck, you'd have no luck at all.

And then you get served with a lawsuit.

There are ways to address the problem.

And by the way, please don't let 'em take a judgment against you prior to visiting with me. It's not fatal, but your road will have a few more bumps.

What Happens at a First Meeting of Creditors?

Here's what happens at a First Meeting of Creditors, more or less! Obviously, the precise sequence of questions and the scope will differ from place to place, and from trustee to trustee.