Chapter 13 Bankruptcy in Clearfield County, PA

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

Western District of Pennsylvania; Pittsburgh Division / Johnstown counties (official source).

The Chapter 13 standing trustee is Ronda J. Winnecour (official source).

County sheriff page links Setting a Real Estate Sale; recurring sale cadence not verified (official source). Check the current property notice and any continuance; a schedule is not confirmation that a particular property will sell.

Clearfield County Courthouse, 1 N. Second Street, Clearfield, PA 16830 (official source).

The county Court of Common Pleas handles state civil cases; bankruptcy is filed in federal court. The county prothonotary or civil division maintains civil filings and judgments.

MidPenn Legal Services; intake 800-326-9177. Eligibility and accepted case types require screening; representation is not guaranteed (official source).

Use HUD's Pennsylvania housing counselor directory to verify an agency's approval and current service area. Legal aid and HUD-approved counseling are different services; eligibility and availability require screening.

Western District of Pennsylvania; Pittsburgh Division / Johnstown counties.