For debtors
Information for debtors
Attendance is required. You must appear by Zoom video with your camera on. If you filed jointly with a spouse, both of you must appear. If you have an attorney, your attorney must attend with you.
How your meeting works Meeting of creditors · 11 U.S.C. § 341
Send your documents
Your documents, including your tax return, must reach my office at least 7 days before the meeting. If I do not receive them in time, your meeting may be continued and/or your case may be dismissed.
Join by Zoom video
Test your camera, microphone, and internet connection ahead of time. Then sign in at Zoom.us/join with the Meeting ID and Passcode. Several cases are set for the same time, so you may wait while other debtors are examined.
Verify your identity
When your case is called, you will be placed under oath and I will confirm your identity on the record.
Answer questions
I will ask about your petition, schedules, assets, and finances. Creditors may also ask questions. Most meetings last 5 to 10 minutes. In some circumstances, your meeting may be continued to another date and time for further questioning.
Read the Bankruptcy Information Sheet before your meeting
The U.S. Trustee Program's Bankruptcy Information Sheet explains your rights and the consequences of filing. Every debtor should read it before the meeting of creditors. It is available in English, Spanish, and many other languages. At the meeting, the trustee is required to ask whether you have had an opportunity to review it.
This is a serious legal proceeding
You will testify under oath
At the start of your meeting you will swear or affirm to tell the truth. Your testimony is recorded and can be used as evidence. Every answer you give, and everything in your petition, schedules, and statements, must be true and complete.
Tell the truth. Disclose everything. If something in your papers is wrong or missing, tell your attorney before the meeting so it can be corrected.
You must list all of your assets, income, debts, and transfers, including property held by others for you, money owed to you, and anything you gave away or sold before filing. Forgetting is not an excuse for leaving something out. You also have a continuing duty to cooperate with the trustee and turn over records and estate property when requested.
- Bankruptcy fraud is a federal crimeKnowingly concealing assets, making a false oath, presenting a false claim, or destroying or hiding records is punishable by fines of up to $250,000, imprisonment of up to 5 years, or both.
18 U.S.C. §§ 152, 157, 3571 - You can lose your dischargeThe court can deny your discharge for a false oath, concealing property, hiding or destroying records, or failing to explain a loss of assets. Your debts would then remain.
11 U.S.C. § 727(a) - Your discharge can be revokedA discharge obtained through fraud can be revoked after it is entered.
11 U.S.C. § 727(d) - Suspected fraud is reportedThe trustee is required to report suspected bankruptcy crimes to the United States Attorney for investigation.
18 U.S.C. § 3057
Required before the meeting
Documents I need in advance
Do not file these documents with the court. Missing documents can also lead to a motion to dismiss your case.
If you have an attorney
Give these documents to your attorney, who will upload them to my office through a secure portal. If I do not receive them at least 7 days before your meeting, your meeting may be continued and/or your case may be dismissed. Give your documents to your attorney promptly, and confirm with your attorney that they have been sent to my office.
For attorneys: upload documents through the attorney document portal.
Open the attorney document portalIf you do not have an attorney
Upload your documents through the secure portal.
If you filed without an attorney, you are personally responsible for getting every required document to my office at least 7 days before your meeting. The document portal is the preferred way to send them. You must create an account before you can upload.
- Upload every document as a PDF (Adobe) file.
- Do not upload each month of a bank account separately. Put each bank account in its own file containing the last 3 months of statements. If you have 3 bank accounts, upload 3 files.
- If I do not receive your documents at least 7 days before your meeting, your meeting may be continued and/or your case may be dismissed.
documentportal-prose.stretto.com
Required from every debtor Fed. R. Bankr. P. 4002(b)
If they apply to you
Additional documents
- I may request additional documents after reviewing your case, and you must provide them.
Appearing by video
Rules for your Zoom appearance
The meeting is a sworn proceeding and is recorded. Treat it as you would a court hearing.
- Test your device firstCheck your camera, microphone, and internet connection before the meeting at zoom.us/test. A phone, tablet, or computer works.
- Camera on the entire timeAudio-only or phone-only appearances are not accepted. Your face must be visible.
- Dress appropriatelyDress as you would for court. This is an official, recorded proceeding.
- Be in a quiet placeJoin from a quiet, private room without background noise or distractions.
- Do not driveYou may not appear while driving.
- Use your full nameRename yourself in Zoom to the name on your petition so we know who you are.
- Have your papers nearbyKeep a copy of your petition and schedules within reach so you can answer questions about them.
- Need an interpreter?Tell your attorney before the meeting, or call 702-386-8600, so an interpreter can be arranged. Interpreters are provided at no cost.
Please be patient while you wait
Many cases are scheduled for the same time. Just as in court, some examinations take longer than expected and meetings can run late. Stay connected, keep your camera ready, and wait until your case is called. If you leave the meeting before your case is called, you may be marked as not appearing, and your case could be subject to dismissal.
For creditors
Information for creditors
If you received notice that someone who owes you money filed a Chapter 7 case assigned to me, here is what you should know. I cannot give creditors legal advice. Consult your own attorney about your rights.
- You may attend the meeting of creditors
- Join by Zoom with the same Meeting ID and Passcode that were listed in the Notice of Chapter 7 Bankruptcy Case. You may question the debtor under oath.
- After I take roll call, I will ask if any creditors are present. Make your presence known by speaking up or sending me a Zoom chat message.
- If I have not acknowledged you, tell me you are present and which case you are appearing on.
- Tip: include the case name in your Zoom name, for example "Jane Smith – In re Doe."
- Proofs of claimThe notice from the court will tell you whether to file a proof of claim and the deadline to do so. Proofs of claim are filed with the U.S. Bankruptcy Court, District of Nevada, not with my office.
- Deadlines to objectThe notice from the court lists the deadline to object to the debtor's discharge or to the discharge of a particular debt.
- Report undisclosed assetsIf you know of property, transfers, income, or business interests the debtor did not disclose, use the contact box below. That information can benefit every creditor in the case.
- Secured creditorsMotions for relief from the automatic stay and reaffirmation agreements are filed with the court. The trustee does not negotiate reaffirmation agreements.
Creditors and other parties
Contact the trustee about a case
Use this if you need to discuss a case with me, for example:
- Information about assets or property of the debtor
- Assets, income, or transfers the debtor failed to disclose
- Potential bankruptcy fraud or other criminal concerns
- Interest in purchasing assets from the estate
Or call 702-386-8600
This contact is not for debtors. Debtors should communicate through their attorney, or through the document portal if they have no attorney.
Links
Helpful resources
U.S. Bankruptcy Court, District of Nevada
Court records, local rules, forms, and filing information.
lacsn.orgLegal Aid Center of Southern Nevada
Legal help and information for Southern Nevada residents.
justice.gov/ustBankruptcy Information Sheet
The U.S. Trustee Program's summary of your rights, in many languages.