Generally, consumers do not actually go to court or ever appear in front of a judge. Usually what happens is that the consumer and his attorney will appear in front of a bankruptcy trustee who will ask the consumer questions about the information contained in a bankruptcy petition. In most cases in chapter 7, this meeting takes less than 10 minutes and in Chapter 13 meeting can take anywhere from 5 to 15 minutes. These meetings are not held in a court room. In Cincinnati, the meetings are held in an office building. In Dayton, these meetings are held at the bankruptcy court building but not in a court room.
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