Stroudsburg & East Stroudsburg, Pennsylvania Bankruptcy Attorney
Reviewed by Sean P. Quinlan, Attorney
If you're searching for a bankruptcy attorney in Stroudsburg or East Stroudsburg, you're in the right place. Monroe County has one of the highest per-capita consumer bankruptcy filing rates in the Poconos region — driven by NYC and NJ commuters carrying two-state cost-of-living pressure, seasonal hospitality income, medical bills from Lehigh Valley Health Network Pocono and St. Luke's Monroe, mortgage arrears on Poconos second-home resale properties, and Monroe County sheriff sales. Filing bankruptcy is a federal right that stops creditor calls, ends wage garnishments, and can protect your home and vehicle.
Stroudsburg and East Stroudsburg cases are filed with the U.S. Bankruptcy Court for the Middle District of Pennsylvania. The court sits at the Max Rosenn U.S. Courthouse in Wilkes-Barre, but everything is electronic — filings are done through CM/ECF and 341 meetings of creditors are held by Zoom. Most Monroe County clients never travel outside the county for their case.
Chapter 7 is the fresh-start option. It discharges qualifying credit-card debt, medical bills, personal loans, deficiency balances after a repossession, and older tax debt in about 4–6 months. Most Stroudsburg-area Chapter 7 filers keep their home, vehicle, and retirement accounts using federal exemptions.
Chapter 13 is a 3-to-5 year repayment plan for filers above the Pennsylvania median, filers behind on a mortgage or car loan, or filers who need to repay non-dischargeable tax debt or Monroe County property taxes. A Chapter 13 filing stops a scheduled Monroe County sheriff sale or a Tax Claim Bureau upset sale and lets you cure the arrears over the life of the plan while you keep the property.
We represent individuals and families throughout Monroe County and the surrounding Poconos: Stroudsburg, East Stroudsburg, Bartonsville, Tannersville, Marshalls Creek, Delaware Water Gap, Mount Pocono, Pocono Summit, Tobyhanna, Coolbaugh Township, Long Pond, Blakeslee, Effort, Brodheadsville, Sciota, Saylorsburg, Kunkletown, Analomink, Cresco, and the Poconos private-community filers in A Pocono Country Place, Penn Estates, Arrowhead Lakes, Emerald Lakes, Locust Lake Village, and Wallenpaupack Lake Estates. Many clients commute to New York or northern New Jersey, work at ESU (East Stroudsburg University), Lehigh Valley Health Network Pocono, St. Luke's Monroe Campus, Sanofi Pasteur Swiftwater, Kalahari Resorts, Camelback, or in Poconos hospitality and warehousing along I-80.
Every case starts with a free, confidential consultation. We review your income, debts, assets, and any pending Monroe County lawsuits, garnishments, or sheriff sales. Then we quote a flat attorney fee in writing and lay out a clear path forward. You can book directly on our calendar, call the Camp Hill office, or send us a message through the contact form. We handle Monroe County cases entirely by phone, video, and secure e-signature — you do not need to drive to Camp Hill.
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.
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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.
Consultations and case work happen by phone or video, so clients anywhere in Pennsylvania can work with us without traveling to an office.
Read what Stroudsburg-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.
197 S Main St, Wilkes-Barre, PA 18701
The federal bankruptcy court for Monroe County. Stroudsburg and East Stroudsburg cases are docketed here, but consumer 341 meetings of creditors are held by Zoom — you almost never travel to Wilkes-Barre in person.
610 Monroe St, Stroudsburg, PA 18360
The state courthouse in Stroudsburg where Monroe County mortgage foreclosures, sheriff sales, tax upset sales, and creditor lawsuits are filed. Filing bankruptcy triggers the automatic stay and stops those proceedings the day we file.
Frequently Asked Questions
No. Monroe County cases are filed with the U.S. Bankruptcy Court for the Middle District of Pennsylvania, which sits at the Max Rosenn U.S. Courthouse in Wilkes-Barre. But everything is electronic — filings are done through CM/ECF and 341 meetings of creditors are held by Zoom. Almost no Stroudsburg or East Stroudsburg client ever appears in Wilkes-Barre in person.
Have a Stroudsburg-specific question? Get a straight answer in a free consultation.
We charge a flat attorney fee quoted in writing before you engage the firm. Court filing fees are $338 for Chapter 7 and $313 for Chapter 13 as of 2026, and the two required credit-counseling courses are separate. Many Stroudsburg and East Stroudsburg clients pay the attorney fee in installments before we file.
Yes. Filing Chapter 13 before a scheduled Monroe County sheriff sale triggers the automatic stay under 11 U.S.C. § 362 and stops the sale — even if it is set for the next morning. Mortgage arrears are then cured through a 3-to-5 year plan while you keep the home.
Yes. Filing Chapter 13 before a Monroe County Tax Claim Bureau upset or judicial sale stops the sale. Delinquent property taxes are then paid in full through your Chapter 13 plan while you keep the property. This is a common Poconos filing pattern because private-community HOA and back-property-tax combinations push otherwise-current homeowners into a sale.
You file where you have lived for the greater part of the last 180 days. If you have lived in Stroudsburg, East Stroudsburg, or anywhere in Monroe County for 91+ days, you file in the Middle District of Pennsylvania — not in New York or New Jersey. Two-state income (a NY or NJ paycheck and a PA residence) is normal here; we handle those wage-and-withholding issues on the means test every week.
Usually yes. Post-petition HOA dues stay your responsibility, but past-due HOA arrears can be cured through a Chapter 13 plan the same way mortgage arrears are cured. If you want to walk away from an underwater second-home lot in A Pocono Country Place, Penn Estates, or Arrowhead Lakes, Chapter 7 discharges your personal liability on both the mortgage and the HOA balance.
Yes. The automatic stay stops wage garnishments for dischargeable debts the moment we file. We notify your payroll department and the creditor to release the garnishment. Pennsylvania already prohibits wage garnishment for most consumer debts, but out-of-state judgments and support garnishments still reach PA paychecks — bankruptcy addresses the dischargeable ones.
We compare your household income to the Pennsylvania median for your household size. Below the median, you presumptively qualify. Above it — common for two-income NY/NJ-commuter households in the Poconos — we complete the long-form means test using allowed expenses like mortgage, car, childcare, health insurance, and taxes. Many high-earning Monroe County households still qualify after the full calculation.
Chapter 7 typically discharges about 90 days after filing. Chapter 13 lasts 3 to 5 years depending on income and plan terms. Creditor calls, wage garnishments, and sheriff sales stop the day we file — no matter which chapter you choose.
No. Pennsylvania unemployment compensation, SNAP, Social Security, SSDI, SSI, and VA benefits are exempt and are not touched by a Chapter 7 or Chapter 13 filing. Filing bankruptcy does not disqualify you from any public benefit program in Pennsylvania or in New York/New Jersey.
Yes. We represent filers throughout Monroe, Pike, Wayne, Carbon, Lackawanna, and Luzerne Counties — including Stroudsburg, East Stroudsburg, Bartonsville, Tannersville, Marshalls Creek, Mount Pocono, Tobyhanna, Blakeslee, and the Wilkes-Barre and Scranton metros.
Have a Stroudsburg-specific question? Get a straight answer in a free consultation.
No cost. No obligation.
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 — Available 24/7, 7 days a week.
Prefer to call? (717) 724-7503
