Is Bankruptcy In Person or Can I Do It by Zoom? (2025 Edition)

Over the past few years, bankruptcy courts have adapted in a big way. If you’re wondering whether you still have to walk into a courtroom to file for bankruptcy in 2025, the answer may surprise you.

Here at The Law Office of William Waldner, PC, we’ve been getting more and more clients asking: “Can I do bankruptcy by Zoom?” The short answer? Yes, in many cases, you can! Let’s break down how it works, what’s changed, and what you should expect when filing Chapter 7 or Chapter 13 today.

Why Bankruptcy Courts Went Virtual (and Why It’s Still Happening)

During the COVID-19 pandemic, courts across the country—including bankruptcy courts—pivoted to virtual platforms like Zoom to keep the system moving while keeping people safe. Guess what? Many of those changes are still in place in 2025.

Here’s Why Virtual Bankruptcy Stuck Around:

  • It’s more convenient – You don’t need to travel or miss work.

  • It reduces anxiety – No need to sit in a courtroom.

  • It saves money – No commuting, parking, or childcare costs.

  • It increases access – More people can attend their hearings.

When Bankruptcy Can Be Done Over Zoom

✅ 341 Meetings (Meeting of Creditors)

This is the most common part of the process that’s done virtually. In almost every district, Chapter 7 and Chapter 13 filers now attend their 341 meetings via Zoom or phone.

💡 Good to Know: You’ll need a government-issued ID and proof of Social Security (usually shown on camera).

✅ Pre-Filing Consultations with Your Attorney

Most bankruptcy attorneys (including us at Midtown Bankruptcy!) now offer free consultations via Zoom. This makes it easier to get started—no office visit required.

✅ Court Hearings (In Some Districts)

While it varies by state, many bankruptcy courts continue to allow Zoom appearances for non-trial hearings, like:

  • Plan confirmation hearings

  • Motions to dismiss or modify

  • Fee hearings

When You Might Have to Show Up In Person

❌ Trial Hearings or Contested Issues

If your bankruptcy involves a trial—like a dispute with a creditor—you may be required to appear in person.

❌ If You Don’t Have Reliable Tech Access

If the court feels your tech setup (camera, internet) is unstable or insecure, they may request an in-person appearance for clarity.

Preparing for a Zoom Bankruptcy Hearing

Here’s a checklist to get ready:

Zoom Court Prep ✅ Done
Test your internet & webcam
Find a quiet space (no noise)
Dress professionally
Have your ID & SS card ready
Log in 10 minutes early

Pro Tip: Don’t use speakerphone or attend from your car unless absolutely necessary. Judges take virtual court seriously!

How to Know If Your Case Can Be Done Virtually

Ask your attorney or trustee. Most provide a schedule with Zoom links and court details well in advance.

You can also check your district’s bankruptcy court website—most now post virtual hearing guidelines, forms, and schedules online.

FAQs – Virtual Bankruptcy Hearings

Q1: Do I need to go to court for Chapter 7?
A1: Usually not. Your 341 meeting is typically virtual, and unless a dispute arises, no in-person hearing is needed.

Q2: Can I attend my hearing by phone instead of Zoom?
A2: In some cases, yes. Courts still allow telephone appearances if video isn’t available.

Q3: Is my Zoom bankruptcy hearing recorded?
A3: Yes, all official court hearings are recorded, whether virtual or in person.

Q4: What if I miss my Zoom court date?
A4: You could risk case dismissal. Always inform your attorney immediately if something comes up.

Q5: Can I do the entire bankruptcy process without leaving my house?
A5: In many cases—yes! From attorney consultations to hearings, it’s now easier than ever to file from home.

Q6: Is a Zoom appearance treated the same as in person?
A6: Absolutely. Judges and trustees expect the same level of respect, honesty, and preparedness.

Bottom Line: Filing Bankruptcy Is More Accessible Than Ever

Filing bankruptcy no longer means showing up in a packed courtroom. Thanks to modern technology—and flexible courts—you can now handle almost the entire bankruptcy process from your living room.

At the Law Office of William Wadner, PC, we help clients across New York and New Jersey navigate bankruptcy 100% virtually—from consultation to discharge.

Ready to Start?

📞 Book a Free Zoom Consultation Today!
We’ll guide you through everything you need to know, right from the comfort of your home. Call or text 212-244-2882 to schedule an appointment.

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