99.9% of the time the answer is no you do not have to go court; however, 100% of the time we do have to meet with the Trustee, but meeting the Trustee is not going to court. The Trustee is appointed by the government to look at your paperwork and to impose the rules on everybody. So the Trustee imposes the rules on you, the debtor, and also imposes the bankruptcy rules on your creditors. The Trustee is required by law to orally examine you and make sure that you’re entitled to a discharge. Now we’ve been to thousands of meetings with Trustees. We know what the questions are going to be. As a matter of fact, if you use me and my firm, I will send you a transcript of a typical meeting with the Trustee so you’ll know what questions to expect. Right before the hearing, we will review the documents with you and also be able to predict, with a high level of certainty, any non-standardized question that the Trustee will ask you. These meetings are very simple; they are literally five minutes long; they’re easy to do and we will be there with you.
So, yes, we have to meet with the Trustee. No, it’s nothing to worry about.