No matter whether you file Chapter 7 or Chapter 13, you will have to attend what's called a meeting of creditors, or a 341 hearing (after the section of the Bankruptcy Code that describes it). In this meeting, the bankruptcy trustee will ask you a brief series of questions with your attorney by your side. Your attorney will have prepared you for this questioning. While your creditors are also allowed to appear and ask questions at this meeting, in practice this rarely happens. The meeting usually takes no more than ten minutes, and often as little as five. It is only the rare case that requires appearing at the courthouse before the bankruptcy judge. Most people who file Chapter 7 or Chapter 13 never see the bankruptcy judge.