You can file for an emergency bankruptcy to stop something like a home foreclosure sale, property repossession, wage garnishment, suspension of your driver's license, or utility shut-off.
Emergencies are situations that will happen very soon, and that is going to prevent you from getting necessities, including:
You should ask a lawyer whether their case qualifies as an emergency. If the lawyer thinks it does, and the court agrees, you will be able to file before taking the credit counseling course.
This is very rare, and you should take the credit counseling course before you file if you can. If the court does not think it is a true emergency, or if you could have avoided the emergency, the court could dismiss your case if you do not take the credit counseling course before filing the case.
Updated: August 2017