Quoting Dave Ramsey's take on the 341

[fltoo]

[kornellred]

It is a rare occurrence for creditors to actually show up for the 341a meeting. Most of the day is taken up with waiting. Complex cases might take longer than the usual 5 minutes or so - if things are not relatively clear then you can expect the trustee to raise objections. You will be notified by mail if that happens.

[Cali]

I got to my 341 a hour early. My actual meeting took about 5 minutes.

There were no creditors there. The trustee asked me more than two questions.

And I wasn't scared at all.