Disregard what that judge is saying. Not ALL bankruptcy cases are like that. 9 times out of 10, creditors do NOT attend the 341 meeting. It doesn't benefit the creditors to attend, and in fact, would only cost them money. The only time a creditor will attend is if the debt was secured. If it's an unscecured debt, (like credit cards) then forget about it. They will not be there. The only assets the courts are interested in are actual property ownership. As in real estate. Or, if you owned something luxurious, like a damn yaht. Other than that, you get to keep your possessions. Don't sweat the means test either. It is basically a formality that is required of everyone that files. It is a going through the motions type of deal.
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