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About 45 days after the meeting of creditors, a confirmation hearing is held by the bankruptcy judge. The exact date of the confirmation hearing will differ, according to state law. During the hearing, the judge will review the repayment plan to determine if the plan is feasible.
The Bankruptcy Court will schedule a Meeting of Creditors that must be held within 20 to 40 days after the case is filed. At the Meeting of Creditors, the Chapter 7 trustee will ask you questions under oath and conduct an investigation into your financial affairs. In about 97% of the Chapter 7 bankruptcy cases that I file, the trustee determines that the debtorâs assets are exempt and cannot be used to pay the creditors.