Serving Lycoming County, Pennsylvania

Bankruptcy Attorney in Lycoming County, PA

Short answer: if you are looking for a bankruptcy attorney in Lycoming County, you file in the Middle District of Pennsylvania — not at the Williamsport courthouse — and you do not have to travel to a law office to do it. I represent Chapter 7 and Chapter 13 filers throughout Lycoming County by phone and video, with a flat fee quoted before you hire me and a free consultation to start. Call (717) 724-7503 or book a time below.

Lycoming County sits in North Central Pennsylvania, with Williamsport as the county seat. The local economy is supported by UPMC Williamsport, Susquehanna Health, Lycoming College, Lycoming Engines, and Marcellus Shale services, and federal bankruptcy cases for Lycoming County residents are heard by the U.S. Bankruptcy Court for the Middle District of Pennsylvania in Harrisburg. Lycoming filings are heard at the U.S. Courthouse on West Third Street in Williamsport — the Middle District's Williamsport division — a fact that shapes how we approach almost every filing in this county.

Local experience in Lycoming

Our Lycoming County clients usually arrive carrying debt from UPMC Williamsport, Jersey Shore State Bank, and gas-services equipment-finance balances. The common pressure here is gas-patch contractor income volatility and medical debt, 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 Lycoming County Court of Common Pleas, sheriff sales scheduled at the Lycoming County Courthouse in Williamsport, and PA Department of Revenue tax liens against Lycoming County property.

Lycoming County at a glance

  • County seat: Williamsport
  • Region: North Central Pennsylvania
  • Federal district: Middle District of Pennsylvania
  • Largest employers / economic base: supported by UPMC Williamsport, Susquehanna Health, Lycoming College, Lycoming Engines, and Marcellus Shale services
  • Creditors that show up most on local debt schedules: UPMC Williamsport, Jersey Shore State Bank, and gas-services equipment-finance balances
  • Most common reason people here file: gas-patch contractor income volatility and medical debt
  • Worth knowing: Lycoming filings are heard at the U.S. Courthouse on West Third Street in Williamsport — the Middle District's Williamsport division
  • Communities served: Williamsport

How bankruptcy actually works in Lycoming County

Williamsport's economy still carries the imprint of the Marcellus Shale build-out, and that history shows up on Lycoming County debt schedules a decade later. Truck and heavy-equipment loans taken out during the gas boom — often at boom-era income levels, sometimes on vehicles used for a business that no longer exists — are the single most distinctive secured-debt problem in this county.

Those loans are where Chapter 13 earns its fee. Under § 506(a) and § 1325(a)(5), a vehicle loan more than 910 days old can be crammed down to the vehicle's actual value with interest reset in the plan. On a $38,000 balance against a $16,000 truck, that is the difference between surrender and keeping the thing you work out of. A Chapter 7 cannot do it.

The rest of the county's filings are ordinary: UPMC Williamsport and Geisinger medical balances, credit-card judgments in the Lycoming County Court of Common Pleas, and mortgage arrears on modest Williamsport, Montoursville, and Jersey Shore properties. Sheriff sales are held at the courthouse in Williamsport.

Lycoming County is in the Middle District, administered from Williamsport itself — one of the few counties in Pennsylvania where the federal bankruptcy courthouse is in your own county seat. The § 341 meeting is still held remotely.

How we file your case

Start with a free consultation by phone or video — no need to drive to Harrisburg or Harrisburg. 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 Lycoming County creditor — calls, lawsuits, garnishments, foreclosure, repossession — the moment we hit submit.

Where to file: Lycoming bankruptcy court

Lycoming County bankruptcy petitions are filed in the Williamsport Division of the U.S. Bankruptcy Court for the Middle District of Pennsylvania.

Filing location:
Herman T. Schneebeli Federal Building

240 West Third Street, Suite 290

Williamsport, PA 17701

Clerk's office: (570) 320-5255

341 meeting of creditors: Held virtually by the Chapter 7 or Chapter 13 trustee assigned to your case — Lycoming County filers almost never appear in person at Williamsport.

Filing happens electronically from our office, so Lycoming County clients almost never need to travel even though the courthouse sits right in Williamsport.

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Prefer to call? (717) 724-7503