A creditor may choose whether or not to attend the meeting. If a creditor chooses not to attend the meeting, the creditor may raise questions through the Official Assignee ("OA") or request their solicitors to attend the meeting on their behalf.

If the creditor wishes to raise questions in relation to the debtor's Statement of Affairs, Income and Expenditure Statement and the Debt Repayment Plan, he is required to submit his list of questions to the OA at least 7 days before the meeting.

The OA will examine the questions to determine if they are relevant. The OA will disallow questions which are irrelevant, scandalous, frivolous or vexatious or which cannot be substantiated. A creditor must bring all documents in support of his claim of a debt against the debtor. Where a creditor has yet to submit his proof of debt, he must also bring a copy of the proof of debt. Creditors may respond to the OA on their attendance for the meeting.