Can I file Chapter 7 bankruptcy right away? 24 Answers as of November 06, 2013

I want to file for Chapter 7 as soon as possible. I am facing a lawsuit for an $18,000 credit card debt and don't want to go through with any court case. What's the fastest way to file?

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The Law Offices of Andrew D. Myers
The Law Offices of Andrew D. Myers | Andrew Myers
Chapter 7 bankruptcy should be filed correctly, not quickly. Hire an experienced bankruptcy attorney, because there are many legal and procedural complexities that can cause major problems later if the petition, statements and schedules are filed in haste.
Answer Applies to: Massachusetts
Replied: 11/6/2013
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
My office can do it in about 3 hours if you have your certificate of credit counseling and all required financial data. Any good lawyer can do it fairly quickly .
Answer Applies to: California
Replied: 11/5/2013
Law Office of Shawn N. Wright | Shawn N. Wright
You should meet with a local bankruptcy attorney. If you are facing an upcoming lawsuit, you should definitely be able to schedule a meeting with a local attorney, and permit him or her to evaluate your prospects for a bankruptcy filing. The automatic stay of the bankruptcy would prevent the credit card lawsuit from proceeding.
Answer Applies to: Pennsylvania
Replied: 11/4/2013
A Fresh Start
A Fresh Start | Dorothy G Bunce
Retain an experienced bankruptcy attorney in your community and provide them with the documents required and complete the pre-bankruptcy credit counseling certificate. Failure to pay the fees and costs, provide the documents, and complete the counseling class are the major reasons for delay in any bankruptcy filing.
Answer Applies to: Nevada
Replied: 11/5/2013
The Law Office of Darren Aronow, PC
The Law Office of Darren Aronow, PC | Darren Aronow
Go see an attorney and they can file you in a few days if you get them all the documents they require.
Answer Applies to: New York
Replied: 11/4/2013
    Ferguson & Ferguson
    Ferguson & Ferguson | Randy W. Ferguson
    Hire an attorney and file. You can bankrupt the judgment now or later.
    Answer Applies to: Alabama
    Replied: 10/30/2013
    Tokarska Law Center
    Tokarska Law Center | Kathryn U. Tokarska
    There is something called an emergency filing where you file only certain forms with the court to start the case and then you MUST, repeat MUST, follow up with the remaining documents within 15 days or your case will be dismissed. I don't advise filing an emergency case unless it's absolutely necessary such as if you are facing an imminent loss of assets (foreclosure, repossession). Having been sued, while dramatic, does NOT result in immediate loss of property. In fact, it can take a couple of months before the creditor who sued obtains a judgment against you and even then it can take even more time to start taking steps to collect on that judgment (wage garnishment, bank levy, filing a lien against your property). If you were served with the lawsuit, you have 30 days from the date you received the notice to file a response to that lawsuit, if you wish to do so. 30 days should be more than plenty of time to consult with an attorney, organize and bring to them the needed documents and information to prepare the full petition (not just the skeleton) and get the full case filed. Also, in filing a full case, the legal fees are likely to be smaller because when by filing an emergency case there are extra steps and forms to get the balance of the required schedules filed with the court. Plus, most attorneys, myself included, will want to understand fully your financial situation to make sure not only that filing bankruptcy is appropriate, but which chapter, and the timing of the filing can determine your result in the case. Once you file the case, even if you are not successful in it, the bankruptcy will stay on your record, you can't so to speak "un-press this button" so best course of action is to calm down, take each step one at a time, have your situation reviewed, ensure bankruptcy is correct course of action and will achieve for you the result you seek, and file a complete and ACCURATE case from the start. It's much easier to do it right the first time than to later fix mistakes because of haste. Please note that you must complete a credit counseling course, with a Trustee approved, credit counseling provider, prior to the filing of your case, or your case will be dismissed regardless if everything else is correct. Most attorneys know of the least expensive "tried and true" vendors for this purpose.
    Answer Applies to: California
    Replied: 10/30/2013
    Richard L. Hirsh, P.C. | Richard L. Hirsh
    The quickest way to file is to see a qualified bankruptcy attorney who can guide you through the process.
    Answer Applies to: Illinois
    Replied: 10/30/2013
    Goldsmith & Guymon
    Goldsmith & Guymon | Marjorie Guymon
    I recommend researching and finding a good bankruptcy attorney and schedule a time to sit down with them to go over the facts of your case.
    Answer Applies to: Nevada
    Replied: 10/30/2013
    SM Law Group, APC
    SM Law Group, APC | John D. Sarai
    Our attorneys are geared to file cases on an emergency basis, and can file your case the same day.
    Answer Applies to: California
    Replied: 10/30/2013
    Law Office of Stuart M. Nachbar, P.C.
    Law Office of Stuart M. Nachbar, P.C. | Stuart M. Nachbar
    Get your credit counseling and get with a good bankruptcy lawyer.
    Answer Applies to: New Jersey
    Replied: 10/30/2013
    Law Office of Lynnmarie A. Johnson
    Law Office of Lynnmarie A. Johnson | Lynnmarie Johnson
    Assuming you qualify, you can file right away. Just call a Chapter 7 attorney and make an appointment right away. They can file an emergency Ch 7 if necessary.
    Answer Applies to: Michigan
    Replied: 10/30/2013
    Danville Law Group | Scott Jordan
    Yes, a skeleton petition could be filed as quickly as today. You will then have 15 days to complete the remaining required items. However, before filing, you will need to complete the required Consumer Credit Counseling which is mostly done online with a short telephone interview. Attorneys of course charge for their services. The petition filing fee is $306. Has a lawsuit been filed? Have you been served? Regardless, you probably have some time to prepare properly for bankruptcy, so there is no reason to panic. Contact a local bankruptcy attorney and take the time to make sure bankruptcy is right for you and complete the steps for a successful bankruptcy filing.
    Answer Applies to: California
    Replied: 10/30/2013
    Timothy Casey Theisen, P.A. | Tim Theisen
    We can get your case filed within a day or two. Typically, if you've just been sued and need time to come up with attorney fees, we can do an answer, which will buy you a few months so you're not in a rush.
    Answer Applies to: Minnesota
    Replied: 10/30/2013
    Law Office of Barry R. Levine | Barry R. Levine, Esq.
    See up an appointment with a bankruptcy attorney.
    Answer Applies to: Massachusetts
    Replied: 10/30/2013
    R. Steven Chambers PLLC | R. Steven Chambers PLLC
    Contact an attorney who understands bankruptcy. It will be far quicker than doing it yourself.
    Answer Applies to: Utah
    Replied: 10/30/2013
    Law Offices of Linda Rose Fessler | Linda Fessler
    You can file an emergency BK, but you must take your first counseling class before you file and you will have to get the remaining docs in within 14 days or whatever time period is mandated by your particular BK court.
    Answer Applies to: California
    Replied: 10/30/2013
    SM Law Group APC
    SM Law Group APC | Kian Mottahedeh
    Since bankruptcy filings are now done electronically. A lawyer can help you file bankruptcy within hours. However there is a class that you need to complete prior to filing. That class can be taken in person or online (it's roughly about 90 minutes on line).
    Answer Applies to: California
    Replied: 10/30/2013
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