Bankruptcy Attorney in Franklin County, PA

Franklin County sits in South Central Pennsylvania, with Chambersburg as the county seat. The local economy is anchored by Letterkenny Army Depot, WellSpan Chambersburg Hospital, Volvo Construction, and the I-81 distribution corridor, and federal bankruptcy cases for Franklin County residents are heard by the U.S. Bankruptcy Court for the Middle District of Pennsylvania in Harrisburg. Franklin County has become a major Amazon and Procter & Gamble distribution hub — many filers are warehouse workers with variable hours and payday-loan stacking — a fact that shapes how we approach almost every filing in this county.

Local experience in Franklin

Our Franklin County clients usually arrive carrying debt from WellSpan Chambersburg and Waynesboro hospitals, Patriot Federal Credit Union, and warehouse-staffing payday-loan balances. The common pressure here is payday-loan stacking and variable warehouse paychecks, and we tailor each case to that — whether that means a fast Chapter 7 discharge for medical and credit-card debt, or a Chapter 13 plan to cure arrears on a mortgage or vehicle. We handle credit-card and medical-debt judgments filed in the Franklin County Court of Common Pleas, sheriff sales scheduled at the Franklin County Courthouse in Chambersburg, and PA Department of Revenue tax liens against Franklin County property.

How we file your case

Start with a free consultation by phone or video — no need to drive to Harrisburg or Camp Hill. We run the Pennsylvania means test using current state median income, pick the federal or Pennsylvania exemption set that protects the most equity for your situation, and quote a flat attorney fee in writing. You complete the one-hour online credit-counseling course, we prepare the petition, and we file electronically with the Middle District clerk. The automatic stay stops every Franklin County creditor — calls, lawsuits, garnishments, foreclosure, repossession — the moment we hit submit.

Where to file: Franklin bankruptcy court

Franklin County bankruptcy petitions are filed in the Harrisburg Division of the U.S. Bankruptcy Court for the Middle District of Pennsylvania. Filing location: Ronald Reagan Federal Building 228 Walnut Street, Room 320 Harrisburg, PA 17101 Clerk's office: (717) 901-2800 341 meeting of creditors: Held virtually by the Chapter 7 or Chapter 13 trustee assigned to your case — Franklin County filers almost never appear in person at Harrisburg. The drive from Chambersburg to Harrisburg is rarely necessary — petitions are filed electronically and the 341 meeting of creditors is held by video.