Federal Bankruptcy Court — Eastern District

Bankruptcy Lawyer for the Eastern District of Pennsylvania

Reviewed by Sean P. Quinlan, Attorney

The U.S. Bankruptcy Court for the Eastern District of Pennsylvania sits in Philadelphia at 900 Market Street, Suite 400, with a second hearing location at the Gateway Building, 201 Penn Street, Reading. The court covers nine counties plus Philadelphia — Berks, Bucks, Chester, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and Schuylkill — and is one of the busiest consumer bankruptcy districts in the country.

Where you live decides where your case is administered. Philadelphia, Bucks, Chester, Delaware, and Montgomery County filers are heard in Philadelphia; Berks, Lancaster, Lehigh, Northampton, and Schuylkill filers are typically scheduled through Reading. The Eastern District has its own local rules, its own form Chapter 13 plan, and standing Chapter 13 trustees whose documentation expectations differ from the Middle and Western Districts. We prepare Eastern District schedules to those local standards so plans get confirmed without avoidable objections.

Counties covered by this district

Berks, Bucks, Chester, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and Schuylkill counties.

Filing in Eastern District

We file Chapter 7 and Chapter 13 cases electronically with the Eastern District clerk's office through CM/ECF. The automatic stay under 11 U.S.C. § 362 takes effect the moment the case is docketed — Philadelphia Sheriff's Office mortgage sales, Municipal Court judgment attachments, utility shutoffs, and repossessions all stop that day.

341 meetings of creditors are conducted virtually by the assigned Chapter 7 or Chapter 13 trustee, roughly 30–45 days after filing. Chapter 7 discharge follows about 60 days after the meeting. Chapter 13 confirmation hearings are scheduled by the court, and we appear for you. Almost no Eastern District client ever sets foot in the federal courthouse.

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Frequently Asked Questions

Common questions

The Eastern District covers Berks, Bucks, Chester, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and Schuylkill counties.

The main courthouse is at 900 Market Street, Suite 400, Philadelphia, PA 19107. Hearings are also held at the Gateway Building, 201 Penn Street, Reading.

Yes. All cases are filed electronically through CM/ECF by your attorney. Pro-se filers can file paper documents at the clerk's window.

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.

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.

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.

Related service areas

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Book your free bankruptcy consultation call.

Pick a time that works for you — Attorney Sean Quinlan offers free phone and video consultations to clients throughout Pennsylvania. No office visit required.

Or request a date and time online — weekdays, 10:00 a.m. to 4:00 p.m. ET.

Prefer to call? (717) 724-7503