Harrisburg, Pennsylvania Bankruptcy Attorney
If you're searching for bankruptcy help in Harrisburg, you are not alone. Dauphin County and the surrounding Cumberland and Perry County communities see hundreds of consumer bankruptcy filings every year. Most people come to us after a job change, medical bills from UPMC or Penn State Health, a PA state tax garnishment, or the threat of a Dauphin County sheriff sale. Filing bankruptcy in Harrisburg is a federal right, and it can stop creditor calls, end wage garnishments, and protect your home and car. Harrisburg is the seat of the U.S. Bankruptcy Court for the Middle District of Pennsylvania. Every consumer Chapter 7 and Chapter 13 filed by a Harrisburg-area resident is handled at the Sylvia H. Rambo U.S. Courthouse on North 6th Street — though filings are electronic and 341 meetings are held virtually, so you rarely need to appear in person.
Chapter 7 is the fresh-start option. It wipes out qualifying credit-card debt, medical debt, personal loans, and some older tax debt in about 4–6 months. Most Harrisburg Chapter 7 filers keep their home, vehicle, and retirement accounts by using federal exemptions. Chapter 13 is a 3-to-5 year repayment plan for people who earn above the Pennsylvania median, are behind on a mortgage or car loan, or need to pay back tax debt. A Chapter 13 filing stops a foreclosure or repossession and lets you catch up on arrears while you keep the property. We run the Pennsylvania means test against your household income and recommend the chapter that gets the best outcome.
We represent individuals and families across Harrisburg and the surrounding Capital Region: Midtown, Uptown, Allison Hill, Shipoke, Bellevue Park, Susquehanna Township, Paxtang, Penbrook, Steelton, Hummelstown, Middletown, Hershey, Colonial Park, Linglestown, Camp Hill, Lemoyne, Wormleysburg, New Cumberland, Mechanicsburg, Enola, and Carlisle. Many clients are Commonwealth employees, PennDOT workers, State Police, UPMC staff, Penn State Health employees, or Hershey Medical Center workers.
Every case starts with a free, confidential consultation. We review your income, debts, assets, and any pending lawsuits or garnishments. Then we quote a flat attorney fee in writing and recommend a clear path forward. You can book directly on our calendar, call our Camp Hill office, or send a message through the contact form.
Free tool
Run the Pennsylvania Chapter 7 means test in under two minutes — compare your household income to the current PA median before your consultation.
Local trust signals
Licensed by the Supreme Court of Pennsylvania since 2001.
Admitted to practice before the U.S. Bankruptcy Court since 2002.
Twenty-five years focused on consumer bankruptcy, with more than 500 Chapter 7 and Chapter 13 cases filed for Pennsylvania families.
Member of the National Association of Consumer Bankruptcy Attorneys — a national organization dedicated to protecting the rights of consumer debtors.
Read what Harrisburg-area clients say about working with our firm on Google.
Prior results do not guarantee a similar outcome. Every case is decided on its own facts under the U.S. Bankruptcy Code and Pennsylvania law.
Courthouse & directions
Consumer filings are electronic and 341 meetings of creditors are held by Zoom, so you rarely need to appear in person. If you do need to visit, here's the courthouse address, a map, and turn-by-turn directions.
Sylvia H. Rambo U.S. Courthouse, 1501 N 6th St, Harrisburg, PA 17102
The federal bankruptcy court for Dauphin, Cumberland, Perry, York, Lebanon, Lancaster, Adams, and surrounding counties. Consumer 341 meetings of creditors are held by Zoom — you almost never appear in person.
Frequently Asked Questions
No cost. No obligation.
Pick a time that works for you — Attorney Sean Quinlan offers free phone consultations to clients throughout Pennsylvania.
Prefer to call? (717) 724-7503
