Question 1

Where is bankruptcy court for Bucks County?

Accepted Answer

Bucks County cases are filed at the U.S. Bankruptcy Court for the Eastern District of Pennsylvania at 900 Market Street, Philadelphia.

Question 2

Can I keep my house in Bucks County if I file Chapter 7?

Accepted Answer

Yes, in most cases. Federal exemptions protect a significant amount of home equity for a single filer (more for a joint filing). If your equity exceeds the exemption, Chapter 13 lets you keep the home and pay the non-exempt portion over time.

Question 3

Will I lose my house or car if I file in Pennsylvania?

Accepted Answer

Most Pennsylvania filers keep their home and vehicle. We can elect federal bankruptcy exemptions, which protect a significant amount of home equity plus a vehicle, household goods, retirement accounts, and a wildcard for anything else. We walk through your assets before filing so there are no surprises.

Question 4

How much does a bankruptcy case cost?

Accepted Answer

We charge a flat attorney fee that is fully disclosed and agreed to before you engage the firm. Court filing fees and the two required credit-counseling courses are separate. Many clients pay the attorney fee in installments before filing.

Question 5

How long does bankruptcy stay on my credit report?

Accepted Answer

Chapter 7 stays on your credit report for up to 10 years; Chapter 13 for up to 7 years. In practice most clients see their FICO score improve within 12–24 months because their debt-to-income ratio drops dramatically and they can demonstrate on-time payments on new credit.

Question 6

How do I start a bankruptcy case in Bucks County?

Accepted Answer

Start with a free consultation. We review your debts, income, assets, and goals, then recommend Chapter 7 or Chapter 13 and quote a flat fee. Once you engage us, the credit-counseling course takes about an hour online, we prepare your petition, and we file electronically with the bankruptcy court. The automatic stay stops creditor calls, wage garnishments, and foreclosure the moment the case is filed.

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