Chapter 7 Bankruptcy in Clearfield County, PA

Chapter 7 bankruptcy filings for Clearfield County residents are handled by the U.S. Bankruptcy Court for the Western 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 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.