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File On Time. Filing a claim on time is important, so know the deadline or bar date. The bar date is similar to a statute of limitations (time limit to bring a legal claim). The bar date for filing a proof of claim is within 90 days of the first date set for the meeting of creditors in a bankruptcy case.
If you file for Chapter 7 bankruptcy, you must attend the meeting of creditors (341 hearing). Although you might have to sit around the hearing room for quite some time waiting for your case to be called, your actual time in front of the bankruptcy trustee will probably be short -- less than ten minutes in most cases.