Chapter 13 Bankruptcy in Allegheny County, PA

Chapter 13 bankruptcy filings for Allegheny County residents are handled by the U.S. Bankruptcy Court for the Western District of Pennsylvania. Chapter 13 is a 3–5 year repayment plan that stops foreclosure, lets you cure mortgage arrears, and pays priority taxes over time while discharging remaining unsecured debt at the end.

Chapter 13 is the right choice when you're behind on a mortgage, have non-dischargeable tax debt, have too much equity for Chapter 7, or earn too much to pass the Chapter 7 means test. Your plan payment is built from disposable income plus any arrears, priority taxes, and secured catch-up.

For Allegheny County clients specifically, we run the Pennsylvania means test using current state median income figures, file electronically with the Western District clerk, and the automatic stay stops every Allegheny County creditor the moment the case is filed.

Allegheny County sits in Southwestern Pennsylvania, with Pittsburgh as the county seat, and its cases are administered by the Pittsburgh Division of the U.S. Bankruptcy Court for the Western District of Pennsylvania.

The local economy is led by UPMC, PNC Financial Services, BNY Mellon, Highmark, and Carnegie Mellon University. That shows up directly on the debt schedules I prepare here — a typical Allegheny County filing includes UPMC medical billing, Allegheny Health Network, PNC, Citizens, and Duquesne Light shutoff balances.

Allegheny is the second-largest source of consumer bankruptcy filings in Pennsylvania and the only county filed in the Pittsburgh division of the Western District at 600 Grant Street. The pressure that most often pushes Allegheny County households into a Chapter 13 case is UPMC and AHN medical-debt lawsuits filed in the Allegheny County Court of Common Pleas.

In a Allegheny County Chapter 13 we build the plan around the arrears that actually exist here — mortgage catch-up on Allegheny County property, sheriff sales scheduled at the Allegheny County Courthouse in Pittsburgh, county and school-district property taxes, and PA Department of Revenue claims.

Allegheny County bankruptcy petitions are filed in the Pittsburgh Division of the U.S. Bankruptcy Court for the Western District of Pennsylvania.

Filing location:
U.S. Steel Tower
600 Grant Street, 54th Floor
Pittsburgh, PA 15219
Clerk's office: (412) 644-2700

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

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