Chapter 13 Bankruptcy in Lehigh County, PA

Chapter 13 bankruptcy filings for Lehigh 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.

What Chapter 13 does

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 Lehigh 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 Lehigh County creditor the moment the case is filed.