Emergencies are situations that will happen very soon and that are going to prevent you from getting basic 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 after 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.