Chapter 11 Section 341 Meeting of Creditors

The “meeting of creditors” also known as a “341 meeting,” is a required step in the bankruptcy process. It is not a court hearing, and there is no judge. Instead, the meeting is conducted by a representative of the United States Trustee Office (“UST Representative”) or trustee. At the meeting, the debtor (the person or entity who filed for bankruptcy) answers questions under oath about the debtor’s bankruptcy paperwork and financial records submitted. Creditors may join the meeting and ask the debtor questions, too.

In most districts, chapter 11 341 meetings of creditors (“341 meetings”) are held telephonically. However, the U.S. Trustee Program (“USTP”) is implementing virtual 341 meetings via Zoom for all chapter 11 cases in Region 2 (covering New York, Connecticut, and Vermont) and Region 3 (covering Delaware, New Jersey, and Pennsylvania). This transition is ongoing but is expected to be completed by July 2026.

This move to virtual 341 meetings is a pilot program in contemplation of a further transition to virtual 341 meetings that will be implemented in USTP jurisdictions nationwide. Until virtual 341 meetings are implemented in your district, meetings will generally proceed in the same manner as set forth in the original 341 meeting notices issued by the courts. Debtors and other interested parties should follow the instructions in these notices and any further instructions provided by the UST Representative assigned to the case.

Additional Resources for Debtors, Debtors’ Attorneys, and Other Parties in Interest:

• Acceptable Photo Identification and Social Security Number Documents
• Best Practices for Debtors, Debtors’ Attorneys, and Other Parties in Interest for Attending Virtual 341 Meetings of Creditors in Chapter 11 Cases in Pilot Jurisdictions
• General Information About 341 Meetings
• Instructions for Joining a Chapter 11 Zoom 341 Meeting