Chapter 13 Bankruptcy in Lycoming County, PA

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

Lycoming County sits in North Central Pennsylvania, with Williamsport as the county seat, and its cases are administered by the Williamsport Division of the U.S. Bankruptcy Court for the Middle District of Pennsylvania.

The local economy is supported by UPMC Williamsport, Susquehanna Health, Lycoming College, Lycoming Engines, and Marcellus Shale services. That shows up directly on the debt schedules I prepare here — a typical Lycoming County filing includes UPMC Williamsport, Jersey Shore State Bank, and gas-services equipment-finance balances.

Lycoming filings are heard at the U.S. Courthouse on West Third Street in Williamsport — the Middle District's Williamsport division. The pressure that most often pushes Lycoming County households into a Chapter 13 case is gas-patch contractor income volatility and medical debt.

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

Lycoming County bankruptcy petitions are filed in the Williamsport Division of the U.S. Bankruptcy Court for the Middle District of Pennsylvania.

Filing location:
Herman T. Schneebeli Federal Building
240 West Third Street, Suite 290
Williamsport, PA 17701
Clerk's office: (570) 320-5255

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

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