Chapter 13 Bankruptcy in Cambria County, PA

Chapter 13 bankruptcy filings for Cambria 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 Cambria 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 Cambria County creditor the moment the case is filed.

Cambria County sits in Western Pennsylvania, with Ebensburg 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 still rebuilding from Bethlehem Steel's exit, with Conemaugh Memorial, 1st Summit Bank, and the Johnstown VA as anchors. That shows up directly on the debt schedules I prepare here — a typical Cambria County filing includes Conemaugh Memorial Medical Center, 1st Summit Bank, and AmeriServ Financial.

Johnstown was the second-largest city in PA in 1920 and has lost over 70% of its peak population — many Cambria filers own homes for less than what they paid. The pressure that most often pushes Cambria County households into a Chapter 13 case is post-steel income loss, with medical bills and roof repairs pushing filings.

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

Cambria 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 — Cambria County filers almost never appear in person at Pittsburgh.

The drive from Ebensburg to Pittsburgh is rarely necessary — petitions are filed electronically and the 341 meeting of creditors is held by video.