New Jersey bankruptcy
lawyer, Lee M. Perlman
Court & Trustee
Instructions
What to Expect in Court
SECTION 341(a) MEETING OF CREDITORS
REQUIRED STATEMENTS/QUESTIONS
1. State your name and current
address for the record.
2. Please provide your picture
ID and Social Security number card for review.
a. If
the documents are in agreement with the 341(a) meeting notice, a
suggested statement for the record is:
"I have viewed the original State of New Jersey drivers license
(or other type of original photo ID) and original Social
Security card (or other original document used for proof) and
they match the name and Social Security number on the 341(a)
meeting notice."
b. If the documents are not in agreement with the 341(a)
meeting notice, a suggested statement for the record is:
"I have viewed the original Social Security card (or other
original document used for proof) and the number does not match
the number on the 341(a) meeting notice. I have instructed the
debtor (or debtor's counsel) to submit to the court an amended
verified statement by [date], with notice of the correct number
to all creditors, the United States Trustee, and the trustee;
and to file with the court a redacted copy of the notice,
showing only the last four digits of the Social Security number,
and a certificate of service."
c. When the documents do not match the petition, the trustee
shall attempt to ascertain why and shall report the matter to
the United States Trustee.
d. If the debtor did not bring proof of identity and Social
Security number, the trustee shall determine why.
3. Did you sign the petition,
schedules, statements, and related documents and is the
signature your own? Did you read the petition, schedules,
statements, and related documents before you signed them?
4. Are you personally familiar
with the information contained in the petition, schedules,
statements and related documents? To the best of your
knowledge, is the information contained in the petition,
schedules, statements, and related documents true and correct?
Are there any errors or omissions to bring to my attention at
this time?
5. Are all of your assets identified on the schedules? Have
you listed all of your creditors on the schedules?
6. Have you previously filed bankruptcy? (If so, the trustee
must obtain the case number and the discharge information to
determine the debtor(s) discharge eligibility.)
7. What is the address of your current employer?
8. Is the copy of the tax return you provided a true copy of
the most recent tax return you filed?
9. Do you have a domestic support obligation? To whom? Please
provide the claimant's address and telephone number, but do not
state it on the record. Are you current on your post-petition
domestic support obligations?
10. Have you filed all required tax returns for the past four
years?
SAMPLES OF GENERAL QUESTIONS
1. Do you own or have any
interest whatsoever in any real estate?
If
owned: When did you purchase the property? How much did the
property cost? What are the mortgages encumbering it? What do
you estimate the present value of the property to be? Is that
the whole value or your share? How did you arrive at that
value?
If renting: Have you ever owned the property in which you live
and/or is its owner in any way related to you?
2. Have you made any transfers
of any property or given any property away within the last four
years?
If
yes: What did you transfer? To whom was it transferred? What
did you receive in exchange? What did you do with the funds?
3. Does anyone hold property
belonging to you?
If
yes: Who holds the property and what is it? What is its value?
4. Do you have a claim against
anyone or any business?
If
there are large medical debts, are the medical bills from
injury?
Are you the plaintiff in any lawsuit?
What is the status of each case and who is representing you?
5. Are you entitled to life
insurance proceeds or an inheritance as a result of someone's
death?
If
yes: Please explain the details.
If you become a beneficiary of anyone's estate within six months
of the date your bankruptcy petition was filed, the trustee must
be advised within ten days through your counsel of the nature
and extent of the property you will receive.
6. Does anyone owe you money?
If
yes: Is the money collectible? Why haven't you collected it?
Who owes the money and where are they?
7. Have you made any large
payments, over $600, to anyone in the past year?
8. Were federal income tax
returns filed on a timely basis? When was the last return
filed? Do you have copies of the federal income tax returns? At
the time of the filing of your petition, were you entitled to a
tax refund from the federal or state government?
If
yes: Inquire as to amounts.
9. Do you have a bank account,
either checking or savings?
If
yes: In what banks and what were the balances as of the date
you filed your petition?
10. When you filed your
petition, did you have:
a.
any cash on hand?
b. any U.S. savings bonds?
c. any other stocks or bonds?
d. any certificates of deposit?
e. a safe deposit box in your name or in anyone else's name?
11. Do you own an automobile?
If
yes: What is the year, make, and value? Do you owe any money on
it? Is it insured?
12. Are you the owner of any
cash value life insurance policies?
If
yes: State the name of the company, face amount of the policy,
cash surrender value, if any, and the beneficiaries.
13. Do you have any winning
lottery tickets?
14. Do you anticipate that you might realize any property, cash
or otherwise, as a result of a divorce or separation proceeding?
15. Have you been engaged in any business during the last six
years?
If
yes: Where and when? What happened to the assets of the
business?
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341 Hearings Locations
Office of Albert
Russo, Chapter 13 Trustee
1 AAA Drive, Suite 101
Robbinsville, New Jersey 08691
Directions
Office of Isabel C.
Balboa, Chapter 13 Trustee
Cherry Tree Corporate Center
535 Route 38, Suite 150
Cherry Hill, New Jersey 08002
Directions
Bridge View
Building
800 Cooper Street, Suite 102
Camden, New Jersey 08102
Directions
Trenton Bankruptcy
Court
Clarkson S. Fisher U.S. Courthouse
402 East State Street, Room 129
Trenton, New Jersey 08608
Directions
1423 Tilton Road
Suite 5
Northfield, New Jersey 08225
Directions
One Newark Center
Suite 1401
Newark, New Jersey 07102-5504
Directions
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What to bring to
your 341 Meeting of Creditors
Prior to preparing and filing your
Bankruptcy Petition, my office required that you provide certain
documents. Most of these documents are required by the Bankruptcy
Trustee and my firm has forwarded the documents to the Bankruptcy
Trustee on your behalf. In the event there are documents the
Bankruptcy Trustee has requested that my office does not have, you
will receive a letter from my office.
You should bring the following with you
on the day of your 341 hearing:
- Any additional documents
requested by my office.
- Your two (2) most recent pay
stubs.
-
Proof of identity: valid photo
driver’s license, government-issued picture
identification card, U.S. Passport or legal resident alien card.
-
Proof of Social Security Number:
Social Security card, current W-2 form or payroll check stub
that lists full Social Security Number(s).
If you fail to bring proof of identity
and proof of your Social Security number, the Trustee will not hold
your 341 Meeting of Creditors.
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Instructions for payments to Isabel
Balboa, Chapter 13 Trustee
• Payments are due
on the first of each month.
• Payments are to
be made payable to Isabel Balboa, Trustee and mailed to:
Isabel Balboa, Trustee
PO Box 1978
Memphis, TN 38101-1978
• Please DO NOT
send cash or personal checks. Neither will be accepted as payment.
• SEND ONLY
certified checks or money orders.
• Always print
your CASE NUMBER and your NAME on your payment.
• Do not send
correspondence to the Trustee’s payment address. All questions and
correspondence should be directed to Lee M. Perlman’s office and he
will contact the Trustee on your behalf.
• If you fail to
make all required Trustee payments, the Chapter 13 Trustee may file
a Motion to Dismiss your case.
• All mortgage
payments are to be sent to your mortgage company and not to the
Trustee. When making your mortgage payment, print on the
envelope: Attention: Bankruptcy Department.
• All vehicle
payments are to be sent to your auto finance company and not to
the Trustee. When making your vehicle payment, print on the
envelope: Attention: Bankruptcy Department.
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Instructions for Payments to
Albert Russo, Chapter 13 Trustee
• Payments are due
on the first of each month.
• Payments are to
be made payable to Albert Russo, Trustee and mailed to:
Albert Russo, Trustee
PO Box 933
Memphis, TN 38101-0933
• Please DO NOT
send cash or personal checks. Neither will be accepted as payment.
• SEND ONLY
certified checks or money orders.
• Always print
your CASE NUMBER and your NAME on your payment.
• Do not send
correspondence to the Trustee’s payment address. All questions and
correspondence should be directed to Lee M. Perlman’s office and he
will contact the Trustee on your behalf.
• If you fail to
make all required Trustee payments, the Chapter 13 Trustee may file
a Motion to Dismiss your case.
• All mortgage
payments are to be sent to your mortgage company and not to the
Trustee. When making your mortgage payment, print on the
envelope: Attention: Bankruptcy Department.
• All vehicle
payments are to be sent to your auto finance company and not to
the Trustee. When making your vehicle payment, print on the
envelope: Attention: Bankruptcy Department.
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Instructions for payments to
Marie-Ann Greenberg, Chapter 13 Trustee
• Payments are due
on the first of each month.
• Payments are to
be made payable to Marie-Ann Greenberg, Trustee and mailed to:
Marie-Ann Greenberg, Trustee
PO Box 520
Memphis, TN 38101-0520
• Please DO NOT
send cash or personal checks. Neither will be accepted as payment.
• SEND ONLY
certified checks or money orders.
• Always print
your CASE NUMBER and your NAME on your payment.
• Do not send
correspondence to the Trustee’s payment address. All questions and
correspondence should be directed to Lee M. Perlman’s office and he
will contact the Trustee on your behalf.
• If you fail to
make all required Trustee payments, the Chapter 13 Trustee may file
a Motion to Dismiss your case.
• All mortgage
payments are to be sent to your mortgage company and not to the
Trustee. When making your mortgage payment, print on the
envelope: Attention: Bankruptcy Department.
• All vehicle
payments are to be sent to your auto finance company and not to
the Trustee. When making your vehicle payment, print on the
envelope: Attention: Bankruptcy Department.
TOP OF PAGE
CALL NOW TO SPEAK TO AN
ATTORNEY - (856) 751.4224
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