Chapter 7 is the fastest way to discharge credit-card debt, medical debt, personal loans, and most unsecured debt in Pennsylvania. A typical Chapter 7 case is open for about 90–120 days from filing to discharge.
What you should know
To qualify for Chapter 7 in Pennsylvania you must either (1) earn under the Pennsylvania median income for your household size, or (2) pass the long-form means test after deducting allowed expenses. We can elect the federal bankruptcy exemptions, which protect a meaningful amount of home equity, one vehicle, retirement accounts, household goods, and a wildcard. The automatic stay stops every dischargeable collection action — calls, lawsuits, garnishments, foreclosure, and repossession — the moment we file.
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