Have a foreclosure sale or a wage garnishment pending?
Then this kit may be for you.
Hundreds of homeowners stop foreclosures each week by following these simple procedures
outlined in this emergency bankruptcy kit.
An Emergency Bankruptcy will stop a foreclosure sale or wage garnishment the moment
it is filed.
Emergency Bankruptcy is not a complete bankruptcy filing. This is only
a partial filing used to stop a wage garnishment or foreclosure. You then have 15-days
to complete and file the remainder of your bankruptcy documents. If you do
not have a foreclosure sale date lurking around the corner or a wage garnishment
to stop and you intend to file bankruptcy you should see talk to an attorney in
your state about filing a full bankruptcy.
The courts change their forms frequently. This kit contains the most current forms and up-to date instructions!
This kit comes with following:
- Voluntary Petition for Bankruptcy
- Schedule D - Creditors Holding Secured Claims
- Statement of Social Security Number
- Application and Order to pay filing fee in installments
- Samples of how to complete each form
- and much more
As per the Bankruptcy Reform Act of 2005 you are required to complete a pre-bankruptcy
counseling session with an approved credit counseling agency prior to filing. This
is mandatory whether you file a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. You
may use any approved credit counseling agency.
List of Credit Counseling Agencies Approved Pursuant
to 11 U.S.C. § 111
Citations and links to primary law and secondary
sources are provided for those who wish to do further research. Every effort
has been made to make this information up to date and accurate, but laws can
and do change without notice. Persons relying on this information are responsible
for confirming its timeliness and accuracy before relying on it. Also, bear in mind, that
these brief summaries do not list every detail or exception to these exemptions.
For example, there are often exceptions for collection of child support debt
and/or taxes. These listings are designed to inform you of laws that exist for
your benefit, so that you may exercise what rights you may have. Finally, this
website is intended to provide information only. It cannot answer whether your
property does or does not qualify for a specific exemption.