Filing An Emergency Bankruptcy

Sometimes you need to stop a creditor’s action fast. Like when you are facing a foreclosure or a repossession. Filing bankruptcy can help. When you open a case, the court puts an automatic stay in place that prohibits most creditors from continuing collection actions against you.

But, completing all the bankruptcy forms isn’t a quick process. If time is running short, you can use a fast bankruptcy filing process known as an emergency bankruptcy filing (or skeleton filing), get the automatic stay in place, and submit the remaining documents later.

The average bankruptcy petition can easily consist of upwards of fifty pages once completed. But when you’re facing a foreclosure auction, repossession, wage garnishment, collection lawsuit, or another time-sensitive situation, getting all of the paperwork done might not be feasible.

However, you have another option.

When you need to file an emergency bankruptcy, you can get your bankruptcy forms filed online quickly. Plus, your attorney can access online filing at any time of the day, any day of the week, and start the online filing process by uploading only a small percentage of the required forms. In the Northern District of Texas (which includes Fort Worth and Dallas) the following forms are required:

  • the bankruptcy petition (the primary document containing identifying information, the chapter you’re filing, and other general information)

  • the names and addresses of the creditors that will be listed in the bankruptcy schedules (often referred to as a creditor mailing list or mailing matrix)

  • a certificate showing that you completed the credit counseling requirement or a request for a waiver

  • Attorney Fee Disclosure

  • Form B121 Your Statement About Your Social Security Numbers, and

  • A Declaration for Electronic Filing

If you don’t file the additional documents within 14 days, your skeleton bankruptcy case will be dismissed. Also, be aware that some courts (outside the Northern District of Texas) require other forms. The requirements are published in the local rules posted on your court’s website.

If you have questions about an emergency bankruptcy filing, I recommend consulting a qualified Fort Worth bankruptcy attorney. Although there are many Fort Worth bankruptcy attorneys to choose from, my office distinguishes itself by giving you personalized, caring service. As an experienced and dedicated Fort Worth bankruptcy attorney, I can offer advice on how to proceed based on your specific situation.  You and I can meet face to face to discuss your options. To schedule a FREE consultation, please contact me at (817) 732-7590 or (972) 819-3861. You can also send me an E-mail or complete the Free Case Evaluation