The “Meeting of Creditors” is also called the 341 Meeting because, well, 341 is the section of the Bankruptcy Code that creates the required meeting. Creditors are invited but very rarely appear.
It’s where you meet the trustee appointed to your case. The trustee is the guy or gal who wants to see if you’ve committed fraud or are hiding an asset. She’s the one who will reduce an available asset to cash and distribute it to your creditors, after taking her cut. She’s the one who will harass you mercilessly if there’s an arithmetic mistake in your Chapter 13 plan.
Here is where your Massachusetts trustee meeting will be held, and where your Massachusetts case will be filed.
EASTERN DIVISION (BOSTON): Your trustee meeting will be held at 5 Post Office Square, Boston, MA (except for South Shore Chapter 7 cases, see below), and your case will be filed with the Clerk, U.S. Bankruptcy Court, 5 Post Office Square, Boston, MA 02109-3945, if you live in:
(A) the Counties of BARNSTABLE, BRISTOL, DUKES, NANTUCKET, NORFOLK, PLYMOUTH, AND SUFFOLK,
(B) These 28 ESSEX COUNTY towns: Amesbury, Beverly, Danvers, Essex, Georgetown, Gloucester, Groveland, Hamilton, Ipswich, Lynn, Lynnfield, Manchester, Marblehead, Merrimac, Middleton, Nahant, Newbury, Newburyport, Peabody, Rockport, Rowley, Salem, Salisbury, Saugus, Swampscott, Topsfield, Wenham, West Newbury, or
(C) these 28 MIDDLESEX towns: Arlington, Ashland, Belmont, Burlington, Cambridge, Everett, Framingham, Holliston, Lexington, Lincoln, Malden, Medford, Melrose, Natick, Newton, North Reading, Reading, Sherborn, Somerville, Stoneham, Wakefield, Waltham, Watertown, Wayland, Weston, Wilmington, Winchester and Woburn.
SOUTH SHORE CHAPTER 7 TRUSTEE MEETINGS: your Chapter 7 trustee meeting will be held at 155 West Elm Street, Brockton, MA if you live in the Counties of BRISTOL, PLYMOUTH, BARNSTABLE, DUKES, and NANTUCKET.
CENTRAL DIVISION (WORCESTER): Your trustee meeting will be at the U. S. Trustees Office,446 Main Street,1st Floor, Worcester, MA (a high rise across from city hall; there’s a multi level parking garage in the back that connects) and your case will be filed with the Clerk, U.S. Bankruptcy Court, Donohue Federal Building, 595 Main Street, Room 211, Worcester, MA 01608-2076 if you live in:
(A) WORCESTER COUNTY,
(B) These seven ESSEX COUNTY towns: Andover, Boxboro, Bradford, Haverhill, Lawrence, Methuen, and North Andover, or
(C) These 26 MIDDLESEX COUNTY towns: Acton, Ashby, Ayer, Bedford, Billerica, Boxborough, Carlisle, Chelmsford, Concord, Dracut, Dunstable, Groton, Hopkinton, Hudson, Littleton, Lowell, Marlborough, Maynard, Pepperell, Shirley, Stow, Sudbury, Tewksbury, Townsend, Tyngsborough, and Westford.
WESTERN DIVISION (SPRINGFIELD): Your trustee meeting will be at the Sovereign Bank Building, 1350 State Street, 12th Floor, Springfield, MA and your case will be filed with the Clerk, U.S. Bankruptcy Court, 300 State Street, Springfield, MA 01105-2925 if you live in the Counties of FRANKLIN, HAMPSHIRE, HAMPDEN, OR BERKSHIRE.