There are three standing Chapter 13 trustees in the Northern District of Georgia.   Each trustee handles cases assigned to particular judges.  Currently the three standing Chapter 13 trustees are:

  • Nancy Whaley
  • Melissa Davey
  • Mary Ida Townson

When you appear at your 341 hearing, an attorney who works for one of the trustees will be there to conduct your hearing.  Trustees are not judges so you do not address them as “your Honor” – instead you can address them as “Mr. Trustee” or “Ms. Trustee.”  The staff attorneys from the Trustee’’s office each conducts the 341 hearing in his/her own fashion. Typical questions include:

  • Do you have two forms of ID?   (You must then produce a photo ID like a driver’s license/passport AND a government issued ID with your full Social Security number shown)
  • State your full name and mailing address
  • Did you meet with an attorney to discuss your financial situation prior to filing?
  • How long did you spend with the attorney?
  • Did you meet with anyone else in his office?
  • Did your attorney explain how the fees work in your Chapter 13 case
  • Do you have any credit cards (you must hand them in to the Trustee)?
  • Do you belong to a credit union?
  • Is any money coming out of your pay for any purpose other than taxes or insurance?
  • Do you contribute to a retirement savings plan or 401(k).
  • Is money coming out of your paycheck to fund the plan?
  • Do you own any real estate? If so, how much is it worth?
  • Have you made any payments to the Trustee (note that even if your case is set up to be paid by employer deduction, you are responsible for making all payments until the payroll deduction kicks in).
  • Have you filed tax returns for the past three years?
  • Do you expect a refund this year?
  • How much will the refund be?
  • Have you ever filed Bankruptcy before?
  • Have you made all mortgage payments that have come due since you filed your case?
  • Do you have insurance on your vehicle?
  • Do you have a personal injury claim or any other claim for money damages pending at this time?


Jonathan Ginsberg represents honest, hardworking men and women in the Atlanta area who need bankruptcy protection. Call him at 770-393-4985 for a confidential discussion.

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