From time to time, as a Colorado Springs Bankruptcy Attorney, I’ll get a call from a desperate potential client whose house is about to be sold at a foreclosure sale, or whose car is about to be repossessed. The only way to stop the foreclosure, or prevent the repossession, is to get their bankruptcy case filed ASAP.
Usually it takes at least a couple of weeks for debtors to get their paperwork together so that I can prepare their bankruptcy petition and schedules to file their case. But if a foreclosure sale is looming, we don’t have a couple of weeks. In those cases, which are rare, we can file a skeleton or emergency case.
I recently filed an emergency Chapter 13 case here in Colorado Springs for a client whose rental property was scheduled to be sold at the Public Trustee sale the following morning. Instead of submitting the petition and schedules and all of the other required documents, we electronically filed:
- The voluntary petition;
- Exhibit D, with the Certificate of Credit Counseling; and
- The Matrix, listing all of the creditors and others entitled to notice.
As a result of our getting the case filed ASAP, the foreclosure sale was halted and my client was able to retain his property.
If you find yourself under the pressure of an imminent foreclosure here in Colorado Springs, you should contact a competent Colorado Springs Bankruptcy Attorney as soon as possible. Emergency cases are possible, but they entail a lot more stress than the normal case and frankly, they end up costing more money as a result. So do your best to avoid having to file your bankruptcy case as an emergency case.
Other non-Colorado Springs Bankruptcy Attorneys have also written about the letter E: