If you’re considering filing bankruptcy in Pennsylvania, you’ll need to understand the types, costs, as well as some helpful advice to finding good attorneys.

Am I Qualified for Bankruptcy?

Qualifying for bankruptcy in Pennsylvania, as in the rest of the United States, involves several factors, including your income, debts, and financial situation. Bankruptcy is a legal process designed to provide individuals and businesses with a fresh financial start when they are overwhelmed by debt. In Pennsylvania, like in other states, there are specific eligibility criteria and different types of bankruptcy filings. Here, we’ll explain who may qualify for bankruptcy in Pennsylvania.

1. Types of Bankruptcy: In the United States, the most common types of bankruptcy for individuals are Chapter 7 and Chapter 13.
   • Chapter 7 Bankruptcy: This type of bankruptcy, also known as liquidation bankruptcy, is designed for individuals or businesses who cannot repay their debts. In a Chapter 7 bankruptcy, your non-exempt assets may be sold to pay off your creditors, and any remaining eligible debts are discharged (wiped out). To qualify for Chapter 7 bankruptcy, you must meet specific income requirements.
   • Chapter 13 Bankruptcy: Chapter 13 bankruptcy is a reorganization plan that allows you to repay your debts over a 3-5 year period. It is often chosen by individuals with a regular income who want to keep their assets and work out a repayment plan with their creditors.
2. Means Test: To determine eligibility for Chapter 7 bankruptcy in Pennsylvania, you’ll have to pass a “means test.” This test compares your average monthly income over the past six months to the median income for a household of your size in Pennsylvania. If your income is below the median, you generally qualify for Chapter 7. However, if your income is above the median, you may still qualify based on your disposable income and specific expenses. If you don’t pass the means test for Chapter 7, Chapter 13 may be an option.
3. Credit Counseling: Before filing for bankruptcy in Pennsylvania, you are required to complete credit counseling from an approved agency within 180 days of filing. This counseling helps you understand your financial situation and explore alternatives to bankruptcy. After completing the counseling, you’ll receive a certificate of completion, which you must file with your bankruptcy petition.
4. Residency Requirement: To file for bankruptcy in Pennsylvania, you must meet the residency requirement, which generally means you must have lived in the state for at least 91 out of the 180 days preceding your bankruptcy filing.
5. Filing Fees and Forms: You’ll need to pay filing fees when you submit your bankruptcy petition. If your income is less than 150% of the federal poverty guidelines and you cannot afford the fees, you may request a fee waiver or installment payments.
6. Bankruptcy Education Course: After filing for bankruptcy, you must complete a debtor education course from an approved provider. This course focuses on financial management and is aimed at helping you make informed financial decisions in the future. You’ll need to file a certificate of completion with the court.
7. Debts: You can include various types of debts in bankruptcy, such as credit card debt, medical bills, personal loans, and more. However, some debts, like student loans and certain tax debts, are typically not dischargeable in bankruptcy. It’s essential to discuss your specific debts with an attorney to understand how bankruptcy may impact them.
8. Property Exemptions: Pennsylvania has its own set of bankruptcy exemptions that determine which assets you can keep during bankruptcy. These exemptions protect certain types and amounts of property, such as your primary residence, retirement accounts, and personal belongings. Exempt property is not liquidated to pay off your creditors.
9. Legal Assistance: While it’s possible to file for bankruptcy without an attorney, seeking legal advice is often highly recommended. An experienced bankruptcy attorney can help you navigate the complex process, ensure you meet all eligibility requirements, and maximize the protection of your assets.

Qualifying for bankruptcy in Pennsylvania involves meeting specific income and residency requirements, passing the means test, completing credit counseling and debtor education courses, and understanding the types of debts and property exemptions involved. While bankruptcy can provide a fresh start for those overwhelmed by debt, it’s a significant financial decision that should be made carefully, ideally with the guidance of a qualified attorney who can help you explore your options and ensure the process goes smoothly.

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Do You Need a Lawyer to File For Bankruptcy in Pennsylvania?

While it is possible to file for bankruptcy in Pennsylvania without a lawyer, it’s generally advisable to seek legal representation when considering bankruptcy. Filing for bankruptcy is a complex legal process with potential long-term consequences for your financial future, and having an experienced bankruptcy attorney can significantly improve your chances of a successful outcome. Here are several reasons why you might want to consider hiring a lawyer when filing for bankruptcy in Pennsylvania:

1. Legal Expertise: Bankruptcy law is intricate and continually evolving. A knowledgeable attorney specializes in this area and is well-versed in the complexities of the bankruptcy code, local court rules, and procedures. They can provide invaluable guidance on the best course of action based on your unique financial situation.
2. Assessing Your Options: An attorney can help you explore all available options, not just bankruptcy. Depending on your circumstances, there may be alternatives to bankruptcy that are more suitable for your needs, such as debt negotiation, debt consolidation, or other debt relief programs. An attorney can evaluate these options and help you make an informed decision.
3. Navigating the Process: Filing for bankruptcy involves a substantial amount of paperwork, including detailed financial disclosures, income statements, asset inventories, and more. An attorney can assist you in completing these forms accurately and ensure that you meet all deadlines and requirements.
4. Chapter Selection: Deciding between Chapter 7 and Chapter 13 bankruptcy is a critical choice that depends on your income, assets, and goals. An attorney can assess your eligibility for both chapters and advise you on which one aligns better with your financial objectives.
5. Protecting Your Assets: Pennsylvania has specific bankruptcy exemptions that allow you to protect certain assets from being liquidated to pay off creditors. An attorney can help you utilize these exemptions to safeguard your property to the maximum extent allowed by law.
6. Avoiding Pitfalls: Filing for bankruptcy without legal representation can lead to costly mistakes. Simple errors in your paperwork or failure to disclose all required information can result in your case being dismissed or your debts not being discharged. Attorneys help you avoid these pitfalls.
7. Handling Creditors: Once you file for bankruptcy, creditors are subject to an automatic stay, which prohibits them from taking further collection actions. An attorney can communicate with creditors on your behalf, ensuring that they comply with the law and do not harass you during the bankruptcy process.
8. Chapter 13 Plan: If you opt for Chapter 13 bankruptcy, an attorney can assist in formulating a feasible repayment plan that addresses your debts and financial capabilities. They can negotiate with creditors to obtain favorable terms within the constraints of the bankruptcy code.
9. Court Representation: In the event of any disputes or challenges from creditors, having an attorney by your side can be crucial. They can represent you in court, advocate for your interests, and ensure that your rights are protected.
10. Post-Bankruptcy Guidance: After your bankruptcy is discharged, an attorney can provide advice on rebuilding your credit, managing your finances, and avoiding future debt problems. Their expertise can help you make a fresh financial start successfully.

While hiring a bankruptcy attorney in Pennsylvania comes with associated costs, the benefits typically outweigh the expenses. An attorney can increase your chances of a smooth and successful bankruptcy process, potentially saving you money in the long run by helping you make informed decisions and maximizing the protection of your assets.

Cost to File Chapter 7 Bankruptcy in Pennsylvania

The cost to file Chapter 7 bankruptcy in Pennsylvania consists of several fees, including filing fees, administrative fees, and possibly attorney fees if you choose to hire legal representation. It’s essential to understand these costs when considering bankruptcy. Here’s a breakdown of the expenses you can expect:

1. Filing Fees: The primary cost associated with filing Chapter 7 bankruptcy in Pennsylvania is the filing fee paid to the bankruptcy court. The filing fee for Chapter 7 bankruptcy in Pennsylvania is $360. However, please note that these fees may change over time, so it’s crucial to check the current fee schedule on the official website of the U.S. Bankruptcy Court for the Middle District of Pennsylvania or consult with an attorney for up-to-date information.
2. Administrative Fees: In addition to the filing fee, you may be required to pay administrative fees. These fees cover various administrative costs associated with your bankruptcy case, such as the cost of mailing notices and providing copies of documents to creditors. Administrative fees can vary, but they are typically not substantial and may be included in the overall cost of filing.
3. Credit Counseling and Debtor Education: Before and after filing for bankruptcy, you’ll need to complete mandatory credit counseling and debtor education courses. These courses typically have associated fees, and the costs can vary depending on the provider you choose. These fees are separate from the court filing fees and are typically paid directly to the counseling and education agencies.
4. Attorney Fees (Optional): While you are not required to hire an attorney to file for Chapter 7 bankruptcy, many individuals choose to do so to navigate the complexities of the process and ensure a successful outcome. Attorney fees can vary widely based on the complexity of your case, your location within Pennsylvania, and the attorney’s experience. It’s essential to discuss fees and payment arrangements with potential bankruptcy attorneys during your initial consultation.
5. Miscellaneous Costs: There may be additional costs associated with your bankruptcy, such as fees for obtaining credit reports, notary services, or mailing documents. These expenses are typically relatively modest but should be considered as part of the overall cost of your bankruptcy.

It’s crucial to note that if you cannot afford to pay the filing fee upfront, you may request a fee waiver or installment payments from the court. The court will assess your financial situation to determine whether you qualify for a fee waiver, which would allow you to file for Chapter 7 bankruptcy without paying the filing fee immediately.

Additionally, if you decide to hire an attorney, their fees will vary, and they may offer payment plans to help you manage the costs.

Cost to File Chapter 11 Bankruptcy in Pennsylvania

Filing for Chapter 11 bankruptcy in Pennsylvania can be a complex and costly process, typically more expensive than Chapter 7 or Chapter 13 bankruptcies due to its complexity and the size of the businesses typically involved. Chapter 11 bankruptcy is primarily designed for businesses, including corporations, partnerships, and limited liability companies, but it can also be used by individuals with significant assets and debts who do not qualify for other forms of bankruptcy.

Here’s a breakdown of the costs associated with filing for Chapter 11 bankruptcy in Pennsylvania:

1. Filing Fee: The filing fee for a Chapter 11 bankruptcy case in Pennsylvania is $1,980 for a case involving more than $80,000 in assets or liabilities. However, it’s important to note that bankruptcy filing fees are subject to change, so you should check the most current fee schedule on the official website of the U.S. Bankruptcy Court for the Eastern District of Pennsylvania or consult with an attorney for up-to-date information.
2. U.S. Trustee Fees: In addition to the filing fee, businesses filing for Chapter 11 bankruptcy may be required to pay quarterly fees to the U.S. Trustee Program. These fees are calculated based on the company’s disbursements and can be substantial. The U.S. Trustee’s office will provide you with specific instructions and fee calculations during the bankruptcy process.
3. Attorney Fees: Chapter 11 bankruptcy cases are highly complex and typically require legal representation. Attorney fees for Chapter 11 cases can vary significantly depending on the complexity of your financial situation and the specific services provided by your attorney. Businesses often need to retain experienced bankruptcy lawyers who specialize in Chapter 11 cases to navigate the complexities of the process effectively.
4. Professional Fees: In addition to attorney fees, businesses may need to hire other professionals, such as accountants, financial advisors, and appraisers, to assist with the bankruptcy process. These professionals charge fees for their services, which can add to the overall cost of the bankruptcy.
5. Plan Confirmation Costs: As part of the Chapter 11 process, a reorganization plan must be developed and proposed to the court for approval. The cost of preparing and confirming this plan, including legal and administrative fees, can be substantial.
6. Court-Appointed Professionals: In some cases, the court may appoint professionals, such as examiners or trustees, to oversee the bankruptcy process. The fees for these court-appointed professionals are typically paid from the bankruptcy estate, further impacting the overall cost.

It’s important to understand that the cost of a Chapter 11 bankruptcy can vary widely depending on the complexity of the case and the size of the business or individual estate involved. Given the significant expenses associated with Chapter 11 bankruptcy, it’s crucial to consult with experienced bankruptcy attorneys and financial professionals to assess the feasibility of the process and explore alternative solutions, if possible.

Cost to File Chapter 13 Bankruptcy in Pennsylvania

The cost to file Chapter 13 bankruptcy in Pennsylvania involves various fees, including filing fees, administrative fees, and attorney fees. Chapter 13 bankruptcy is a reorganization plan that allows individuals with regular income to create a repayment plan for their debts over a 3-5 year period. Here’s a breakdown of the expenses associated with filing Chapter 13 bankruptcy in Pennsylvania:

1. Filing Fee: The filing fee for Chapter 13 bankruptcy in Pennsylvania is $350. However, it’s essential to note that bankruptcy filing fees can change over time, so it’s crucial to check the most current fee schedule on the official website of the U.S. Bankruptcy Court for the Eastern District of Pennsylvania or consult with an attorney for up-to-date information.
2. Administrative Fees: In addition to the filing fee, individuals filing for Chapter 13 bankruptcy may be required to pay administrative fees. These fees cover various administrative costs associated with your bankruptcy case, such as the cost of mailing notices and providing copies of documents to creditors. Administrative fees are typically not significant and may be included in the overall cost of filing.
3. Attorney Fees: It is highly recommended to have legal representation when filing for Chapter 13 bankruptcy due to the complexity of the process. Attorney fees for Chapter 13 cases can vary depending on your location within Pennsylvania, the complexity of your financial situation, and the services provided by your attorney. Attorneys typically charge a flat fee or hourly rate for their services, and they may offer payment plans to help you manage the costs.
4. Credit Counseling and Debtor Education: Before and after filing for Chapter 13 bankruptcy, you’ll need to complete mandatory credit counseling and debtor education courses. These courses typically have associated fees, which can vary depending on the provider you choose. These fees are separate from the court filing fees and are typically paid directly to the counseling and education agencies.
5. Trustee’s Fees: In a Chapter 13 bankruptcy, you will make regular payments to a bankruptcy trustee who administers your case and distributes funds to your creditors according to your repayment plan. The trustee may charge a percentage-based fee for their services, which is factored into your repayment plan.
6. Miscellaneous Costs: There may be additional costs associated with your Chapter 13 bankruptcy, such as fees for obtaining credit reports, notary services, or mailing documents. These expenses are typically modest but should be considered as part of the overall cost of your bankruptcy.

Chapter 13 bankruptcy can provide individuals with a structured way to repay their debts while retaining their assets, such as a home or car. It’s a valuable tool for those with a regular income who want to reorganize their finances and gain control over their debt. However, due to the complexity of the process, consulting with an experienced bankruptcy attorney is highly recommended to navigate the Chapter 13 bankruptcy process effectively.

Reliable Bankruptcy Attorneys in Pennsylvania

Below is a list of reputable bankruptcy attorneys in Pennsylvania. They can help you with both personal and business bankruptcy information.

Attorney Matthew Brennan
201 S Highland Ave Suite 201 A, Pittsburgh, PA 15206, United States

Bryan P. Keenan & Associates, PC
993 Greentree Rd #201, Pittsburgh, PA 15220, United States

Laputka Law Office, Charles Laputka, Esq.
1344 Hamilton St, Allentown, PA 18102, United States

Sadek Bankruptcy Law Offices
1500 John F Kennedy Blvd # 220, Philadelphia, PA 19102, United States

Cibik Law, P.C.
1500 Walnut St # 900, Philadelphia, PA 19102, United States

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Philadelphia

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17566, 15555, 16670, 17083, 17247, 17355, 17763, 16671, 18653, 19606, 19601, 19604, 19607, 19608, 19605, 19602, 19610, 19611, 19609, 16872, 17867, 15677, 18076, 17356, 18352, 17084, 19550, 17569, 16053, 16343, 17764, 15475, 15948, 16744, 15851, 17570, 15357, 18954, 15358, 17086, 17087, 18955, 16672, 15853, 19078, 18077, 15678, 16248, 15770, 17967, 17868, 16745, 17765, 16673, 16674, 19551, 15949, 15074, 15771, 18246, 17249, 15856, 15557, 15359, 18837, 15476, 17572, 15477, 15772, 16746, 16344, 17250,

18457, 17251, 19468, 15679, 15075, 16249, 16345, 15076, 16943, 17968, 16433, 16250, 15773, 17970, 15857, 15951, 16054, 17252, 15680, 15558, 15952, 17767, 17253, 15681, 16145, 16677, 16055, 19472, 16056, 16678, 18353, 18840, 15360, 17088, 15559, 18078, 17972, 19473, 18354, 17254, 18355, 15683, 18505, 18504, 18509, 18510, 18508, 18512, 18503, 15953, 17870, 18960, 17974, 16253, 16346, 17360, 15954, 15143, 17255, 17256, 17872, 17876, 15560, 16146, 19079, 16150, 19554, 18708, 18356, 16151, 16347, 15774,

17976, 18248, 17090, 18655, 16748, 17257, 16254, 15077, 17260, 19555, 18458, 17361, 17768, 15955, 15860, 18962, 15861, 15561, 16679, 19474, 18357, 18079, 18080, 15684, 16255, 16057, 15078, 16749, 16256, 15478, 16680, 15479, 15480, 17576, 16874, 15501, 15510, 18964, 18459, 15956, 18842, 15081, 18843, 17261, 15129, 18460, 18966, 15361, 15775, 16434, 15362, 15776, 15686, 19475, 16436, 17978, 17362, 19477, 16875, 17262, 16435, 15144, 19064, 15562, 18081, 18844, 16682, 16683, 15687, 15482, 15777, 18461,

18462, 16801, 16803, 17263, 18463, 17578, 18845, 17363, 17878, 15483, 18083, 16153, 15563, 15363, 17579, 16258, 19559, 15957, 18360, 15863, 15082, 16350, 18846, 18249, 17093, 15958, 15864, 18250, 17979, 17801, 18847, 15083, 19081, 18656, 17880, 18370, 18251, 15364, 15865, 18464, 18252, 18371, 18372, 15084, 15688, 18085, 18517, 18969, 19560, 16259, 17581, 17364, 18465, 17094, 19372, 19373, 17264, 16351, 15778, 16946, 16352, 16353, 16354, 18466, 16685, 19562, 15779, 19374, 18848, 17980, 16360, 15085,

16154, 18086, 17981, 18254, 17881, 18087, 17771, 15866, 16947, 18970, 18657, 17772, 15145, 16750, 17982, 15960, 18469, 16361, 16686, 15484, 18850, 16948, 16438, 18470, 15401, 19375, 15689, 17774, 16802, 18972, 19082, 17265, 16362, 16059, 15780, 17983, 15366, 15486, 15690, 16440, 15367, 16364, 15147, 15368, 16155, 19085, 15961, 19564, 16156, 16260, 16876, 19086, 17266, 18088, 15781, 16157, 18660, 17267, 18974, 16365, 18851, 15086, 18976, 16877, 15301, 17582, 18977, 17884, 16689, 16441, 17776, 17777,

16442, 18471, 18472, 19087, 17268, 15370, 18255, 15087, 15868, 17885, 15564, 16691, 16901, 17365, 15691, 19565, 15376, 19382, 19380, 19383, 16878, 15088, 15377, 19390, 16370, 15783, 15489, 16159, 15379, 15122, 17886, 15089, 16160, 16443, 16061, 16950, 15378, 15692, 18256, 16692, 17778, 15090, 16161, 15490, 17887, 18661, 18473, 18052, 15693, 15492, 17097, 17888, 15870, 18702, 18706, 18705, 18701, 16693, 17270, 17701, 17702, 17098, 19090, 17271, 17584, 15148, 15962, 16879, 18091, 15380, 15963, 17366,

17889, 19567, 16694, 16695, 16881, 19094, 16882, 17779, 16262, 15784, 17368, 18853, 15695, 18980, 19095, 19096, 18644, 18854, 16263, 17099, 17403, 17402, 17404, 17406, 17401, 17407, 17370, 17371, 17372, 15696, 16371, 15697, 15698, 16063, 19492, 17985, 18092, 17272

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