What to Expect in Bankruptcy CoWhat to Expect at Courturt

For Bankruptcy Court & 341 Meeting Room Locations, scroll to the bottom

The United States Bankruptcy Court - Northern District of Illinois is divided into two divisions. The Eastern Divisional office is located in Downtown Chicago and the Western divisional office is located in Rockford.

Eastern Division: Dirksen Federal Building 219 S. Dearborn Chicago, IL 60604

Western Division: 211 S. Court Street Rockford, IL 61101


Below is a brief synopsis of what to expect once your case is filed with the court:

What is The Role of the Bankruptcy Trustee?

The role of the bankruptcy trustee is different in Chapter 7 and Chapter 13 bankruptcy proceedings. In general, the bankruptcy trustee is the court appointed official who oversees the bankruptcy process.

In Chapter 7 bankruptcy proceedings, the trustee determines eligibility and verifies the accuracy of all documents filed with the court. Then if there are any non-exempt assets, the bankruptcy trustee locates those assets and sells them to payoff creditors. In significant number of cases there are no non-exempt assets.

In Chapter 13 bankruptcy cases, the trustee reviews the repayment plan submitted to the court, assures that the payment plan is reasonable, and distributes payments to creditors.

What Happens After the Bankruptcy Hearing?

For Chapter 7 bankruptcies there is not much for you to do after the hearing.  Occasionally, the bankruptcy trustee may ask for additional information. You will have to complete your financial management course and file it with the court.  The court will send you the official discharge order to you about 60-90 days after the hearing. For Chapter 13 bankruptcies the discharge order is issued once the repayment plan is completed.

What Happens at My Bankruptcy Hearing?

The Chapter 7 bankruptcy hearing typically takes only 5 to 10 minutes. The bankruptcy trustee asks you a few questions to verify that you meet the eligibility requirements for a Chapter 7 bankruptcy. Chapter 13 bankruptcy hearings are essentially the same as Chapter 7 hearing, except they review your income and expenses to confirm that you have sufficient income to complete your bankruptcy repayment plan.

How long does it take to receive a Bankruptcy Discharge Order?

Your official discharge order will arrive from the court approximately 60 to 90 days after the hearing. This discharge will officially relieve you from your dischargeable debts.  Some debts, such as student loans may survive bankruptcy, so talk to your attorney.

What Should I Have at My Bankruptcy Hearing?

Please bring the following items:

* Your drivers license or state I.D. card
* Your social security card.
* Your notice of bankruptcy filing your received when your case was filed.
* Proof of current income, like your paycheck.
* Copy of your real estate appraisal.

Your attorney from the Chicago Bankruptcy Network will have your bankruptcy petition and the documents you submitted to them such as your tax returns.  Your attorney will let you know if you should bring anything else.

Please get to the hearing at least fifteen minutes early to review your case with your bankruptcy lawyer before meeting with the bankruptcy trustee assigned to your case.

Who will be at the 341 Bankruptcy Hearing?

Bankruptcy hearings are run by bankruptcy trustee. The trustee is a court appointed representative, usually an attorney.  Your lawyer from the Chicago Bankruptcy Network will also attend the hearing with you. Your creditors have a right to attend as well, but 9 times out of 10 they usually do not appear.  If they do, they will ask you several questions regarding the information you listed in your bankruptcy petition.  The Chapter 7 341 hearing is usually pretty short, usually only 5-10 minutes long.  The Chapter 13 341 meeting is slightly longer.  The hearing officer will review your budget with you to make sure you can afford the Chapter 13 debt repayment plan your attorney prepared for you.

What is the Bankruptcy Discharge Order?

The bankruptcy discharge is the official court order issued by the court indicating that you completed your bankruptcy and eliminates your dischargeable debt you scheduled in the petition. Please keep this document in a safe place, as it is your proof that you obtained bankruptcy discharge relief.  Occasionally, a new creditor, like a landlord or car dealer will request a copy of your official discharge order.

Click here for a free online bankruptcy case evaluation with our Chapter 7 and Chapter 13 bankruptcy attorneys

Bankruptcy Court & 341 Meeting Room Locations

The United States Bankruptcy Court - Northern District of Illinois is divided into two divisions. The Eastern Divisional office is located in Downtown Chicago and the Western divisional office is located in Rockford.

Eastern Division: Dirksen Federal Building 219 S. Dearborn Chicago, IL 60604
Western Division: 211 S. Court Street Rockford, IL 61101

Ch 7 341 Hearing Room Locations

Eastern District:

Cook County
Dirksen Federal Building 219 S. Dearborn St. Room 800  Chicago, Illinois 60606

DuPage County
DuPage Co Courthouse  505 North County Farm Rd, Rm 2000 Wheaton, Illinois 60187

Kane County
Kane Co. Government Center 100 South 3rd St., Rm 110 Geneva, Illinois 60134

Lake County
301 Greenleaf Ave, Courtroom B. Park City, llinois 60085

Will County
57 N Ottawa St. Room 201 Joliet, Illinois 60432

Western District:

Rockford
Stewart Square Bldg 308 W State St Lower Level - Rm 40 Rockford, Illinois 61101

Sterling
Sterling Coliseum Bldng City Council Chambers 212 Third Ave Sterling, Illinois 61081

Ch 13 341 Hearing Room Locations

Marilyn O. Marshall
224 South Michigan Avenue Suite 800 Chicago, Illinois 60604-2507

Glenn B. Stearns

DuPage County & Kane County
DuPage Co. Bar Assoc.126 S. County Farm Rd., Lower Level, Wheaton, Illinois 60187

Lake County
Babcox Justice Center 20 S. County Street Room C-150 Waukegan, Illinois 60085

Will County (includes Grundy, LaSalle, Kendall & Will counties)
57 N Ottawa St. Room 201 Joliet, Illinois 60432

Tom Vaughn, Esq.
55 E Monroe Suite 3850 Chicago, Illinois 60604-2402

Lydia Meyer
Rockford
Stewart Square Bldg 308 W State St Lower Level - Rm 40 Rockford, Illinois 61101

Sterling
Sterling Coliseum Bldng City Council Chambers 212 Third Ave Sterling, Illinois 61081