Will I Have to Appear in Court?

No.  It is very unlikely you will ever  appear before a judge.  Most people make only one appearance before a Chapter 7 Trustee.  This meeting is called the Meeting of Creditors, because creditors get a change to question you at the meeting.  However, creditors rarely show up.  What really happen at this meeting is the Chapter 7 Trustee will ask you questions about your property, debts, income, living expenses, etc.  4 meetings are scheduled every 1/2 hour so they are brief.  We will be there with you.