Usually the one and only time a person attends a hearing is at the so-called “Meeting of Creditors,” at which most creditors decline to attend. Attorney Richard Bolger appears at the hearing with you. He has been to thousands of such hearings. The court personnel, US Trustee’s Office and panel trustees have worked with Mr. Bolger for many years in conducting these hearings. The person filing the case must bring photo identification, his or her social security card (or an acceptable substitute). At this hearing the person is put under oath and questioned about his or her debts, assets, income and expenses by the panel trustee. In most Chapter 7 cases, no creditors appear in court; but any creditor that does appear is usually allowed to question the person. For most persons this will be the only court appearance.