For both Chapter 7 and Chapter 13 bankruptcy, you should bring to your 341 Meeting of Creditors:
1. your driver’s license:
2. your social security card:
3. Proof of your car insurance:
4. Proof of your house insurance and:
5. Proof of your post-petition mortgage payments.
If you can’t find your social security card, bring a W-2 or a 1099. If you don’t have both a state issued picture I.D. and proof of your social security number, your hearing will not be held. The trustee will most likely reset your hearing to the following week.
If you can’t find any proof of your social security number, go to your local social security office and have them issue you a letter with your social security number on it. In Rome, the social security office is located across for Ridge Ferry Park just before you get to Fuddruckers.
The reason you need to bring proof of car insurance is so that you can show this proof to any attorney that may show up to the meeting of creditors on behalf of a car creditor. If you don’t have any car creditors, you won’t have to worry about the proof of insurance. Under the local bankruptcy rules in Northwest Georgia, if you let your car insurance lapse, the creditor can take your from you without a hearing before the court. Thus, it is imperative that you maintain full coverage insurance on any vehicle you have financed.
You may need proof of insurance on your house if you have a significant amount of equity. If you let your house insurance lapse on a house with equity, a Chapter 13 trustee may attempt to convert your case over to Chapter 7 so that the Chapter 7 trustee can sell your uninsured house to protect the equity on behalf of the bankruptcy estate.
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3. How much does it cost to file?