What is an Emergency Bankruptcy Filing?
When you file for bankruptcy, the court issues an automatic stay, which is an order that stops creditors from taking any further action against you. This includes collection calls, foreclosures, and wage garnishments. The automatic stay goes into effect as soon as your bankruptcy case is filed, but it only lasts for a limited time. If you need protection beyond the automatic stay, you can file what's called an emergency bankruptcy or emergency petition.
An emergency bankruptcy is also known as a "skeletal" filing because it's the bare minimum required to get the protection of the automatic stay.
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