If you’re considering filing bankruptcy in Pittsburgh, PA, 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 Pittsburgh, Pennsylvania, or anywhere in the United States, is determined by various factors, including your financial situation, income, and the type of bankruptcy you wish to file. Bankruptcy laws are federal, but they can be influenced by state-specific regulations. In Pittsburgh, as in the rest of Pennsylvania, individuals and businesses can file for bankruptcy under different chapters of the Bankruptcy Code.

1. Chapter 7 Bankruptcy: Chapter 7 bankruptcy, also known as “liquidation bankruptcy,” is designed for individuals or businesses that cannot afford to pay their debts. To qualify for Chapter 7 in Pittsburgh, you must meet certain criteria:
   • Means Test: You must pass the means test, which assesses your income and expenses. The means test compares your income to the median income for your household size in Pennsylvania. If your income is below the median, you generally qualify for Chapter 7. If it’s above the median, you may still qualify based on your disposable income after allowable expenses.
   • No Recent Chapter 7 Discharge: You cannot file for Chapter 7 if you’ve received a discharge in a Chapter 7 case within the last eight years.
   • No Recent Chapter 13 Discharge: If you’ve previously filed for Chapter 13 bankruptcy, you must wait six years before filing for Chapter 7
   • No Fraudulent Activity: You must not have engaged in fraudulent activities or attempted to hide assets.
2. Chapter 13 Bankruptcy: Chapter 13 bankruptcy, also known as “reorganization bankruptcy,” is for individuals with a regular income who want to restructure their debts and pay them off over time. To qualify for Chapter 13:
   • Regular Income: You must have a stable source of income to make a repayment plan.
   • Debt Limits: Your secured debts (e.g., mortgages and car loans) must be less than $1,650,000, and your unsecured debts (e.g., credit card debt and medical bills) must be less than $450,000 as of the time of writing, though these figures may change over time due to inflation.
   • No Recent Chapter 13 Discharge: You cannot file for Chapter 13 if you’ve received a discharge in a Chapter 13 case within the last two years or within the last four years if you received a Chapter 7 discharge.
3. Chapter 11 Bankruptcy: Chapter 11 bankruptcy is primarily used by businesses, but individuals with substantial assets and debts may also file under this chapter. It allows for the restructuring of debts while continuing operations. Qualification for Chapter 11 typically involves demonstrating the ability to propose and implement a viable repayment plan.
4. Chapter 12 Bankruptcy: Chapter 12 is designed for family farmers or fishermen facing financial difficulties. To qualify for Chapter 12, you must meet specific income and debt limits, have more than 50% of your income derived from farming or fishing, and have a certain amount of debt related to these activities.
5. Bankruptcy Counseling and Education: Regardless of the chapter you choose, you must complete credit counseling from an approved agency before filing for bankruptcy. You must also complete a debtor education course after filing.
6. Legal Assistance: While it is possible to file for bankruptcy without an attorney (pro se), seeking legal counsel is highly advisable. Bankruptcy laws can be complex, and an attorney can help you navigate the process, ensuring you meet the eligibility requirements and protecting your rights.

It’s important to note that bankruptcy laws can change over time, and specific qualifications may vary depending on your unique circumstances and the specific details of your case. Therefore, consulting with a bankruptcy attorney in Pittsburgh, PA, or seeking advice from a qualified credit counseling agency is essential to determine your eligibility and make an informed decision about the most suitable chapter of bankruptcy for your situation.

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Do You Need a Lawyer to File For Bankruptcy in Pittsburgh, PA?

Whether you need a lawyer to file for bankruptcy in Pittsburgh, Pennsylvania, or any other location in the United States, depends on your specific situation, the type of bankruptcy you’re filing, and your comfort level with legal processes. While it is possible to file for bankruptcy without an attorney (pro se), doing so comes with certain risks and challenges. Here’s an explanation of when you might need a lawyer to file for bankruptcy in Pittsburgh:

1. Complexity of Your Case:If your financial situation is relatively straightforward, and you have a good understanding of bankruptcy laws and procedures, you may consider filing for bankruptcy without an attorney, especially if you’re filing for Chapter 7. However, if your case is complex, involves significant assets, multiple creditors, or legal challenges, it’s highly advisable to seek legal representation. Chapter 13 and Chapter 11 bankruptcies, in particular, can be quite intricate, often requiring an attorney’s expertise.
2. Legal Expertise:Bankruptcy laws are complex and ever-evolving. A qualified bankruptcy attorney has a deep understanding of these laws and can help you navigate the intricate legal requirements. They can also provide guidance on the most suitable chapter of bankruptcy for your specific situation, ensuring that you maximize the benefits and protections available under the law.
3. Protection of Your Rights:An attorney can protect your rights and interests throughout the bankruptcy process. They can help you understand your legal rights and responsibilities, ensuring that you’re not taken advantage of by creditors or the court. If any disputes or legal issues arise during your bankruptcy case, an attorney can advocate on your behalf.
4. Completing Required Forms:Filing for bankruptcy involves completing a substantial amount of paperwork and forms, and the accuracy and completeness of these documents are crucial. An attorney can assist you in preparing and filing the necessary forms, reducing the risk of errors or omissions that could delay your case or result in its dismissal.
5. Negotiating with Creditors:If you have secured debts, such as mortgages or car loans, an attorney can negotiate with creditors to potentially modify the terms of these debts or develop a repayment plan that works for both parties. This can help you keep valuable assets while still addressing your debts.
6. Avoiding Pitfalls:Bankruptcy has certain pitfalls and potential complications that may not be apparent to someone without legal training. An attorney can help you avoid common mistakes that could jeopardize your bankruptcy case, such as inadvertently omitting assets, failing to meet deadlines, or not following court procedures.
7. Credit Counseling and Debtor Education:Before filing for bankruptcy, you must complete credit counseling and debtor education courses from approved agencies. An attorney can guide you in selecting reputable agencies and ensure that you fulfill these requirements.
8. Post-Bankruptcy Planning:After your bankruptcy discharge, there may be additional legal matters to address, such as rebuilding your credit, dealing with any lingering creditor disputes, or addressing potential tax implications. An attorney can provide valuable guidance during the post-bankruptcy phase as well.
9. Legal Costs vs. Financial Benefits:While hiring a bankruptcy attorney does involve costs, the potential financial benefits can far outweigh these expenses. A skilled attorney can help you discharge eligible debts, protect your assets, and potentially save you money in the long run.

Whether you need a lawyer to file for bankruptcy in Pittsburgh, PA, or any other location, depends on your individual circumstances and the complexity of your case. While it’s possible to file pro se, seeking legal counsel is highly recommended, especially if you have significant assets, complex financial issues, or are considering Chapter 13 or Chapter 11 bankruptcy. Consulting with an experienced bankruptcy attorney can help ensure that you navigate the bankruptcy process successfully, protect your rights, and achieve the best possible outcome for your financial situation.

Cost to File Chapter 7 Bankruptcy in Pittsburgh, PA

The cost to file Chapter 7 bankruptcy in Pittsburgh, Pennsylvania, includes various fees and expenses. It’s important to understand these costs to make informed financial decisions when considering bankruptcy.

1. Filing Fee: The primary fee associated with filing for Chapter 7 bankruptcy is the filing fee itself. The filing fee for Chapter 7 bankruptcy in the Western District of Pennsylvania, which includes Pittsburgh, is $425. This fee may change over time due to inflation or other factors, so it’s essential to check the most current fee schedule on the official website of the U.S. Bankruptcy Court for the Western District of Pennsylvania.
2. Credit Counseling and Debtor Education: Before filing for Chapter 7 bankruptcy, you are required to complete two courses: a credit counseling course and a debtor education course. These courses typically cost around $25 to $57 each, but the fees can vary depending on the service provider you choose.
3. Attorney’s Fees: While you can file for Chapter 7 bankruptcy without an attorney (pro se), many individuals choose to hire a bankruptcy attorney to navigate the legal complexities and ensure their interests are protected. Attorney fees vary widely based on your location and the complexity of your case. In Pittsburgh, you can expect attorney fees for a Chapter 7 case to range from $1,210 to $2,890 or more, depending on the circumstances.
4. Credit Report and Credit Report Fees: You will need to obtain a copy of your credit report to include in your bankruptcy filing. Each credit reporting agency may charge a fee for these reports, which can range from $12 to $18 per report.
5. Miscellaneous Costs: Depending on your specific situation, you may have additional costs such as notary fees, postage, transportation, or document preparation fees. These expenses can vary and are often relatively minor compared to the other fees mentioned.

Keep in mind that bankruptcy can have long-term financial implications, so it’s crucial to carefully consider your options and seek legal advice before proceeding. The costs of filing for Chapter 7 bankruptcy in Pittsburgh, PA, can vary depending on your specific circumstances and choices, so it’s advisable to consult with a bankruptcy attorney to get a clear understanding of the fees and expenses associated with your case. An attorney can also provide guidance on whether Chapter 7 bankruptcy is the right solution for your financial situation.

Cost to File Chapter 11 Bankruptcy in Pittsburgh, PA

Filing for Chapter 11 bankruptcy in Pittsburgh, Pennsylvania, can be a complex and costly process, often reserved for businesses and individuals with substantial assets and debts who want to restructure their finances while continuing operations. The costs associated with Chapter 11 bankruptcy can vary significantly based on the complexity of your case and the legal fees involved. Here’s an explanation of the key expenses you may encounter when filing for Chapter 11 bankruptcy in Pittsburgh:

1. Filing Fee: The initial filing fee for a Chapter 11 bankruptcy case in the Western District of Pennsylvania, which includes Pittsburgh, can be substantial. This fee may change over time due to inflation or other factors, so it’s essential to check the most current fee schedule on the official website of the U.S. Bankruptcy Court for the Western District of Pennsylvania.
2. Attorney’s Fees: Chapter 11 bankruptcy is highly complex and typically requires legal representation. Attorney fees for Chapter 11 cases can vary widely depending on the size and complexity of your business or personal financial situation. Legal fees can range from several thousand dollars to tens of thousands of dollars, or even more, for more complex cases. Your attorney will provide you with an estimate based on your specific circumstances.
3. Professional Fees: In many Chapter 11 cases, you may need to hire additional professionals, such as financial advisors, accountants, appraisers, or turnaround consultants, to assist with the restructuring process. These professionals charge fees for their services, which can also vary widely.
4. U.S. Trustee Fees: The U.S. Trustee’s Office oversees bankruptcy cases and may assess quarterly fees based on the debtor’s disbursements. The fee amount is calculated on a sliding scale and depends on the disbursements made during the case.
5. Fees for Creditors’ Committees: In some Chapter 11 cases, especially those involving businesses, creditors’ committees may be formed to represent the interests of creditors. The costs associated with these committees, including legal fees and expenses, may be borne by the debtor.
6. Court Costs and Other Administrative Expenses: There may be additional administrative costs associated with the bankruptcy process, such as court costs, mailing expenses, and the cost of preparing and filing required documents.
7. Credit Report and Other Due Diligence Costs: Depending on your situation, you may need to obtain credit reports, appraisals, or other due diligence materials, which can incur additional costs.

It’s crucial to note that Chapter 11 bankruptcy is a complex and expensive process, and it is typically used by businesses or individuals with substantial assets and liabilities. Before pursuing Chapter 11 bankruptcy in Pittsburgh, PA, it is highly advisable to consult with an experienced bankruptcy attorney who can provide a realistic estimate of the costs involved based on your unique circumstances.

Cost to File Chapter 13 Bankruptcy in Pittsburgh, PA

Filing for Chapter 13 bankruptcy in Pittsburgh, Pennsylvania, involves several costs and fees. Chapter 13 is often chosen by individuals with a regular income who want to restructure their debts and create a manageable repayment plan. The costs associated with filing for Chapter 13 bankruptcy include the following:

1. Filing Fee: The initial filing fee for a Chapter 13 bankruptcy case in the Western District of Pennsylvania, which includes Pittsburgh, can vary. This fee may change over time due to inflation or other factors, so it’s essential to verify the current fee on the official website of the U.S. Bankruptcy Court for the Western District of Pennsylvania.
2. Attorney’s Fees: It is highly advisable to hire a bankruptcy attorney when filing for Chapter 13 bankruptcy because the process can be complex. Attorney fees can vary based on your location, the complexity of your case, and the attorney’s experience. In Pittsburgh, Chapter 13 attorney fees typically range from $2,890 to $5,500 or more, depending on your specific circumstances.
3. Credit Counseling and Debtor Education: Before filing for Chapter 13 bankruptcy, you are required to complete two courses: a credit counseling course and a debtor education course. These courses typically cost around $26 to $58 each, but the fees can vary depending on the service provider you choose.
4. Court Costs and Administrative Expenses: There may be additional administrative costs associated with your Chapter 13 bankruptcy, such as court costs, mailing expenses, and fees for filing required documents. These costs are typically relatively minor but can add up.
5. Chapter 13 Trustee Fee: In a Chapter 13 case, you will make regular payments to a Chapter 13 trustee, who will distribute the funds to your creditors as per your court-approved repayment plan. The trustee typically charges a fee for this service, which is a percentage of the total amount distributed to creditors.
6. Credit Report and Other Due Diligence Costs: Depending on your specific situation, you may need to obtain credit reports, appraisals, or other due diligence materials, which can incur additional costs.

Before pursuing Chapter 13 bankruptcy in Pittsburgh, PA, it is highly advisable to consult with an experienced bankruptcy attorney who can provide you with an estimate of the costs involved based on your unique circumstances. An attorney can also help you develop a feasible repayment plan, navigate the legal process, and ensure that your interests are protected throughout the bankruptcy proceedings.

Reliable Bankruptcy Attorneys in Pittsburgh, PA

Below is a list of reputable bankruptcy attorneys in Pittsburgh, PA. 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

Steidl & Steinberg, P.C.
Gulf Tower, 707 Grant St #2830, Pittsburgh, PA 15219, United States

Law Offices of Rodney Shepherd
2403 Sidney St #208, Pittsburgh, PA 15203, United States

Willis & Associates
201 Penn Center Blvd #310, Pittsburgh, PA 15235, United States

Pittsburgh, PA Zip Codes We Proudly Serve:

15106, 15120, 15201, 15203, 15204, 15205, 15206, 15207, 15208, 15210, 15211, 15212, 15213, 15214, 15215, 15216, 15217, 15218, 15219, 15220

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