Emergency Bankruptcy Filing

An emergency bankruptcy filing is a streamlined process for a debtor to use quickly if they need to stop a creditor action that could happen really soon. This lets you utilize the automatic stay protection in the bankruptcy process. You will need to complete certain forms and then submit additional documents later, after the stay goes into effect.  The Richmond Bankruptcy Firm can help you get an Emergency Bankruptcy Filing done quickly.

In a common situation a debtor may need to stop foreclosure on their home or their vehicle being repossessed. A full and complete bankruptcy filing requires a substantial amount of paperwork, which would probably be impossible to complete overnight. But if you file the additional documents within 14 days, you can prevent your bankruptcy petition from being dismissed. There are other rules to comply with as well.

Documents Required for an Emergency Bankruptcy
The primary document in every bankruptcy filing is the bankruptcy petition, even in an emergency bankruptcy. Before you attempt an emergency bankruptcy, you and your attorney will need to determine the type of bankruptcy you’ll be filing and state that in your petition. You'll need to provide documents showing your identity.

You’ll also have to submit contact information for the creditors you list in your bankruptcy filing. The specific information you’re required to submit always depends on the rules of the bankruptcy court where you’re filing. So your attorney will let you know this. Creditors include collection agencies, and any other sheriffs, attorneys, or other parties assisting them in seeking repayment of debts by you. You will need to document and prove your completion of a credit counseling course, or request that it be waived. Finally, you’ll need to include proof of your Social Security registration.

Filing an emergency bankruptcy also requires paying the filing fee. But, you can request the fee be waived. Or request to pay the fee in installments to reduce the burden.

Additional Documents
In some cases, the court requires a bankruptcy filer to submit additional documents. It's absolutely critical you comply with the court’s requirement, regardless of what is requested by the court. If a bankruptcy filer does not comply, the court will likely dismiss your bankruptcy petition.

Do Not Delay:  Call us at (804) 294-3003 as quickly as you can to find out if we can set up an Emergency Bankruptcy for you.