Chapter 7 Bankruptcy in Bradford County, PA

Chapter 7 bankruptcy filings for Bradford County residents are handled by the U.S. Bankruptcy Court for the Middle District of Pennsylvania. Chapter 7 wipes out most unsecured debt — credit cards, medical bills, personal loans, deficiency balances — in roughly 90–120 days.

To qualify for Chapter 7, you must pass the Pennsylvania means test, either by earning under the state median for your household size or by passing the long-form test after deducting mortgage, vehicle, tax, and insurance expenses. Federal exemptions protect a meaningful amount of home equity, one vehicle, retirement accounts, and household goods.

For Bradford 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 Bradford County creditor the moment the case is filed.

Middle District of Pennsylvania; Williamsport, Office 4. Judge Conway (official source).

The Chapter 13 standing trustee is Jack N. Zaharopoulos (official source).

Official CountySuite lists statuses and individual handbills; a fixed recurring schedule was not established (official source). Check the current property notice and any continuance; a schedule is not confirmation that a particular property will sell.

Bradford County Courthouse, 301 Main Street, Towanda, PA 18848 (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.

North Penn Legal Services; intake 877-953-4250. 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.

Middle District of Pennsylvania; Williamsport, Office 4. Judge Conway.