In a real emergency, bankruptcy relief can be obtained within hours or days. It’s always wiser to prepare a bankruptcy with adequate time, but in cases where time is critical, an emergency bankruptcy is the best solution. This may happen when a homeowner believes that the mortgage company will agree to postpone a foreclosure, but the mortgage company decides to move forward with the sale.
Also known as a skeleton” or “bare bones” bankruptcy, an emergency bankruptcy requires minimal forms to be completed to initiate bankruptcy relief. Unfortunately, the 2005 bankruptcy laws increased the difficulty of emergency filings because of added obligations placed on the debtor and their bankruptcy attorney. However, they are still obtainable.
Toby Shanner is an excellent choice for your San Diego emergency bankruptcy attorney. He has participated in over 1,000 bankruptcy proceedings, is a member of the San Diego County Bar and the National Association of Consumer Bankruptcy Attorneys (NACBA), as well as the San Diego Association of Realtors. He knows the ins and outs of bankruptcies and foreclosures.
Emergency Bankruptcies: What’s Involved?
The Bankruptcy Court will accept emergency filings with a limited number of requirements*. These requirements typically include:
- Paying a Filing Fee
- Filing a Voluntary Petition
- Filing a Statement of Social Security
- Obtaining a Certificate of Credit Counseling
- Filing a List of Creditors
*Important Note: The remainder of the required documents must be filed within a specified timeframe after the date of the filing of the emergency petition, or your case may be subject to dismissal.
Shanner Law Can Help
Shanner & Associates is here to help with your emergency bankruptcy. Call us today at 619.232.3057 or email us this this quick contact form. We can meet with you for a free consultation by phone, by email, or in person to resolve your legal questions.