HOW CHAPTER 7
Between 20 and 40 days after the petition is
filed, the case trustee (described below) will hold a meeting of
creditors. If the U.S. trustee or bankruptcy administrator5
schedules the meeting at a place that does not have regular U.S.
trustee or bankruptcy administrator staffing, the meeting may be
held no more than 60 days after the order for relief. Fed. R.
Bankr. P. 2003(a). During this meeting, the trustee puts the
debtor under oath, and both the trustee and creditors may ask
questions. The debtor must attend the meeting and answer questions
regarding the debtor’s financial affairs and property. 11 U.S.C.
§ 343. If a husband and wife have filed a joint petition, they
both must attend the creditors’ meeting and answer questions.
Within 10 days of the creditors’ meeting, the U.S. trustee will
report to the court whether the case should be presumed to be an
abuse under the means test described in 11 U.S.C. § 704(b).