Chapter 13 Bankruptcy in Delaware County, PA

Chapter 13 bankruptcy filings for Delaware County residents are handled by the U.S. Bankruptcy Court for the Eastern 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 Delaware County clients specifically, we run the Pennsylvania means test using current state median income figures, file electronically with the Eastern District clerk, and the automatic stay stops every Delaware County creditor the moment the case is filed.

Delaware County sits in Southeastern Pennsylvania, with Media as the county seat, and its cases are administered by the Philadelphia Division of the U.S. Bankruptcy Court for the Eastern District of Pennsylvania.

The local economy is supported by Crozer-Keystone, Main Line Health Riddle, Boeing Helicopters, and the Philadelphia International Airport corridor. That shows up directly on the debt schedules I prepare here — a typical Delaware County filing includes Crozer-Chester Medical Center collections, Trinity Health Mid-Atlantic, Citizens Bank, and Delco property-tax liens.

Crozer Health's financial collapse has left Delaware County residents with unpaid balances that bounce between successor billing services — a recurring complication in Delco filings. The pressure that most often pushes Delaware County households into a Chapter 13 case is Crozer-era medical debt and rising Delco property-tax assessments.

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

Delaware County bankruptcy petitions are filed in the Philadelphia Division of the U.S. Bankruptcy Court for the Eastern District of Pennsylvania.

Filing location:
Robert N.C. Nix Sr. Federal Building & U.S. Courthouse
900 Market Street, Suite 400
Philadelphia, PA 19107
Clerk's office: (215) 408-2800

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

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