court appearance

I am always hearing about how easy the court appearance is, but I am also always hearing how none of the creditors ever show up. What happens if they do show up? What are some of the questions they will ask? The court appearance seems so scary to me.

Only on rare occasions will a creditor show up (unless it's Sears, whose reps practically LIVE there).

And if they do, they're not going to crucify you. Honest.

If a creditor is there, he or she will ask you about the secured property. Examples: What condition is it in? Is it insured? Are you planning to reaffirm the debt on it? If not, how can they get a hold of you to get it back?

I once had a big, strong firefighter sweating and shaking and worrying about the meeting of creditors. I told him, "Hey, you encounter MUCH more dangerous situations every day. This is a little hearing that will be over in 3-5 minutes. It took you longer to find a place to park than to attend this."

Then things went smoothly for him and at the end, the trustee told him that he really admired him for his line of work.

Afterwards he was so relieved that he hadn't been skewered.....