This is almost always your only bankruptcy hearing. In Arizona, if you file your case in the Phoenix metro area, your hearing will almost always be held downtown at the United States Bankruptcy Court for the district of Arizona. The meeting is typically not held in the courtroom but rather in a hearing room. Contrary to the implication in the name of the hearing, creditors usually do not show up for a meeting with you. Although they have the right to question you about certain relevant matters, most creditors do not have the time or money to send legal counsel on their behalf. The creditors that do show up usually need some specific information, believe that you committed fraud, or are unsophisticated small business owners in Arizona who mistakenly believe they are required to attend the standard meeting (they are not).