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http://www.yourhoustonconsumerattorney.com/blog/will-i-have-to-go-to-court/ - A court setting is formal and intimidating to people who do not regularly go to court or appear before a Judge.
Bankruptcy Court is a federal court, making it all the scarier to people.
This is especially true when you are already dealing with the overwhelming instance of financial uncertainty.
When you file for bankruptcy, you will be required to go to Bankruptcy Court and have your case presented to the bankruptcy trustee.
This is true no matter which chapter of relief you seek.
That said, the Court appearance is typically completed quickly and you go back to your normal routine before you know it.