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Emergency Bankruptcy

In re Richardson was a 2008 case where the debtor filed a "naked" petition without any of the schedules or statements required by Section 521(a).  At no point did the debtor file any statements or schedules, and at no point did she file or obtain an extension of time for the filing of such schedules and statements.  The Court entered an Order Evidencing Automatic Dismissal.

Filing a naked petition is definitely not the most ideal way to file a bankruptcy.  It is a drastic alternative when a Chapter 13 petition must be filed to try to avoid foreclosure, or to prevent a car from being repossessed or from being sold after a repossession.

If the naked petition has to be filed, then it is imperative to timely file the schedules and statements within the deadlines.

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