After you File

You must take the following steps, by the deadlines mentioned.

1. Notice of Non-filing Spouse (if applicable)


No later than 5 days of filing the petition, you must give notice to all creditors of the non-filing spouse information (Form NM 15), and within 2 days thereafter, file NM LF 13, Certificate of Compliance Regarding Notice to Creditors of Non-Filing Spouse Information, Pursuant to NM LBR 1002-1(b) with the court.

2. Tax Return, Payment Advices, and Bank Statements


No later than 7 days before the § 341 Meeting of Creditors, you must deliver to your case trustee copies of your most recent federal income tax return, along with copies of pay stubs or wage statements for wages and income received during the 60 days preceding the filing of the petition. You must bring banking and investment account statements to the § 341 Meeting of Creditors and make them available for review by the trustee.  See the Court's notice regarding the debtor's duty to provide documentation for more information.

NOTE: The name and address of your case trustee and the date, time, and location of your meeting of creditors will be mailed to you by the Clerk's Office within 5 days of the filing of the petition. Failure to provide copies of tax return and payment advices to your case trustee in a timely manner may result in dismissal of your case.

3.  Meeting of Creditors


Within 21 days, but no more than 40 to 60 days (depending on the chapter and location of the meeting) after the date of filing, the United States trustee shall hold a meeting of creditors.

341 Creditor Meeting Locations

Important Requirements for Debtors

How to File a Request to Change Location of Meeting

Notice of Unavailability to Attend Meeting of Creditors for Self Represented Debtors

Required Identification

See video Creditors' Meeting.  

4. Personal Financial Management Course


Within 45 days after the first date set for the meeting of creditors in a Chapter 7 case and no later than the last payment made by the debtor as required by the plan or the filing of a motion for entry of discharge under § 1328 (b) in a Chapter 13 case, you must (1) complete an instructional course in personal financial management form an approved provider and (2) file with the court  NM OF 23, Debtor's Certification of Completion of Postpetition Instructional Course in Personal Financial Managementwith the certificate of completion attached to the form.

Failure to complete the instructional course in personal financial management and file NM OF 23 will prevent entry of discharge in your case and may result in dismissal of your case. Each debtor in a joint petition must file NM OF 23.

NOTE: If an order has been entered granting your motion for exemption from the requirement due to mental incapacitation, physical disability, or active military duty in a combat zone, file NM OF 23 with the order attached, as soon as you receive a copy of the court order.