Pittsburgh Bankruptcy Lawyers

The primary objective of our Pittsburgh bankruptcy attorneys is to eliminate all debt. Chapter 7 and Chapter 13 bankruptcy can eliminate all of your debt.  Credit Card debt is one of the most frequently dischargeable debt obligations, but both chapters of bankruptcy can get rid of unsecured debts, such as personal loans, medical bills, utility shut off notices, and repossessions.  Our Pittsburgh team can review your debts and determine the best chapter of bankruptcy for you, your family, or your business.  Our Allegheny County attorneys have the experience necessary to review your finances with you and make sure you get a fresh start.

What is A Bankruptcy Discharge?

A discharge stops the creditor from pursuing collection efforts against the debtor. In other words, any discharged debt obligation is no longer enforceable against the debtor.  This is the goal of our Pittsburgh team, we want to get your debts discharged.  After your discharge you are no longer personally responsible for the debt.  

At the conclusion of their case, Chapter 7 bankruptcy filers typically receive a discharge. 60 days following the 341(a) Meeting of Creditors, the court often grants the discharge in Chapter 7 cases. This usually means that four months after filing your Chapter 7 petition, you will be discharged.

What Debts Are Forgivable or Discharged in Pittsburgh?

The majority of your obligations will be discharged under Chapter 7.  All of your debts that were incurred prior to the Chapter 7 filing date will be included in your list of dischargeable debt. Any debt you accumulate after submitting your petition but before getting a discharge will still be your responsibility.  Our Pittsburgh Bankruptcy Lawyers will review your debts with you to determine the best course of action for you to get a fresh start.

The most typical debts that can be discharged are listed below:

  1. Charges on a credit card (including late fees and overdue amounts)
  2. Accounts of collection agencies and debt collectors
  3. Medical bills, copays, and expenses
  4. Loans from family, friends, and employers 
  5. Past due utility bill balances
  6. Student loans (in certain circumstances)
  7. Balances due on repossessed vehicles
  8. Vehicle accident lawsuits
  9. Business debt or commercial loans
  10. Unpaid rent
  11. Civil court judgments
  12. Unpaid Taxes if over a certain years old
  13. Social Security overpayments

Pittsburgh Chapter 13 Bankruptcy Process?

Chapter 13 bankruptcy, also known as a “wage earner’s plan,” is a form of personal bankruptcy in Pittsburgh. It allows individuals with regular income to create a plan to repay all or a portion of their debts over a three to five-year period. Unlike Chapter 7 bankruptcy, which involves liquidating assets to pay off debts, Chapter 13 focuses on creating a manageable repayment plan based on your income and expenses.

Here is a general overview of the Chapter 13 bankruptcy process in Pittsburgh:

  1. Credit counseling: Before you can file for Chapter 13 bankruptcy, debtors must complete credit counseling from an approved agency. This counseling aims to provide financial education and evaluate alternatives to bankruptcy.  Contact our Pittsburgh Office for a list of approved providers.  
  2. Filing the petition: To start the Chapter 13 bankruptcy process, the debtor must file a petition with the Western District of Pennsylvania Bankruptcy Court. The petition includes detailed financial information such as income, expenses, assets, and liabilities.
  3. Chapter 13 repayment plan: Our experienced Pittsburgh Bankruptcy Lawyers are responsible for creating a repayment plan that outlines how you will repay the debts, you are required to repay, over the next three to five years. The plan must show you have the income sufficient to pay the plan and that the debtor can meet regular living expenses while making monthly payments to creditors.
  4. Meeting of creditors: After filing the petition, Your Pittsburgh Bankruptcy Attorney and you will attend a meeting of creditors, also known as a 341 meeting (this is conducted by Zoom). The meeting provides an opportunity for creditors to ask questions about the your financial situation and proposed repayment plan. The bankruptcy trustee also presides over the meeting.
  5. Confirmation hearing: A confirmation hearing is scheduled where the bankruptcy court reviews and approves the proposed repayment plan. Your bankruptcy attorney attends this hearing.  Creditors have an opportunity to object to the plan if they believe it does not meet the requirements of the bankruptcy code. If the Chapter 13 bankruptcy plan is approved by the court, the approved plan is now the required repayment for all creditors contained in the Plan.  
  6. Plan implementation: Once the repayment plan is confirmed, the debtor makes regular payments to the Chapter 13 Bankruptcy Trustee, who distributes the funds to creditors as outlined in the plan. The debtor must adhere to the repayment plan and make timely payments for the duration of the plan.  Our experienced team of bankruptcy attorneys can assist you in setting up automatic payments.
  7. Completion and discharge: After successfully completing the repayment plan, you will receive a discharge of remaining debts, as long as they you have fulfilled all obligations and met the requirements of the bankruptcy court and plan. The discharge releases the debtor from personal liability for all of your discharged debts.


It’s important to note that the Chapter 13 bankruptcy process can be complex and may vary depending on individual circumstance. Consulting with our Pittsburgh bankruptcy attorneys is highly recommended to ensure a proper understanding of the process and to navigate it successfully.  We offer free consultations and payment plans for all bankruptcy and debt relief services in Pittsburgh.

Chapter 7 bankruptcy, also known as “fresh start bankruptcy,” is a type of bankruptcy in Pittsburgh and Allegheny County that involves obtaining a fresh start and discharging unsecured debt. It is designed for individuals or businesses who are unable to repay debts and seek a fresh start financially. Here is an outline of the Chapter 7 bankruptcy process:

  1. Credit counseling: Before filing for Chapter 7 bankruptcy, individuals must complete credit counseling from an approved agency. This counseling aims to provide financial education and helps to evaluate if bankruptcy is your best option.
  2. Filing the petition: The bankruptcy process begins by filing a Chapter 7 bankruptcy petition with the bankruptcy court for the Western District of Pennsylvania. The petition includes detailed financial information such as income, expenses, assets, liabilities, and a list of creditors.
  3. Automatic stay: Once the petition is filed, an automatic stay goes into effect, which halts most collection efforts by creditors. This means that creditors can no longer continue their attempts to collect debts, including lawsuits, wage garnishments, or foreclosure proceedings.  Our Pittsburgh bankruptcy lawyers will also notify creditors to stop all collection activities after the case is filed. 
  4. Appointment of a trustee: A bankruptcy trustee is assigned to oversee the case. The trustee’s role is to review the assets, evaluate your financial situation, and ensure the fair distribution of assets to creditors (most people who file bankruptcy do not lose any assets).
  5. Meeting of creditors: The debtor must attend a meeting of creditors, also known as a 341 meeting. This meeting is conducted by phone.  During this meeting, the trustee and creditors have an opportunity to ask questions about their financial affairs, assets, and liabilities. The debtor is required to provide accurate and complete information.  Typically creditors do not attend this meeting.  Your Pittsburgh bankruptcy lawyer will prepare you for this meeting by reviewing all of your financials with you.
  6. Discharge of debts: After the 341 Meeting of Creditors is concluded, the bankruptcy court issues a discharge order, which provides you a financial fresh start from personal liability for most types of debts. This means you are no longer legally obligated to repay the discharged debts, and creditors are prohibited from pursuing collection or contacting you regarding the discharged debts.


It’s important to note that not all debts can be discharged through Chapter 7 bankruptcy, such as certain tax obligations, child support or alimony payments, student loans (in most cases), and debts resulting from fraudulent or illegal activities.  Our Pittsburgh Bankruptcy Lawyers offer free consultations by phone, text, or email.  We offer payment plans for all bankruptcy and debt relief services.  

The Chapter 7 bankruptcy process can be complex, and the specific details may vary depending on individual circumstances and jurisdiction. Consulting with a bankruptcy attorney is highly recommended to understand the process fully and navigate it successfully.

Filing bankruptcy in Pittsburgh or Allegheny County whether Chapter 7 or Chapter 13, can trigger an automatic stay, which halts collection actions, including foreclosure proceedings. When you file for bankruptcy, an automatic stay goes into effect, putting a temporary stop on the foreclosure process. This can provide you with some time to address your financial situation and explore potential solutions.

Chapter 7 bankruptcy may provide temporary relief from foreclosure, but it doesn’t typically provide a long-term solution to save your home. However, Pennsylvania offers a homestead exemption that protects a certain amount of equity in your primary residence, which may help safeguard your home in Chapter 7 bankruptcy.

On the other hand, Chapter 13 bankruptcy may offer a more viable option for stopping foreclosure in the long run. It involves creating a repayment plan to catch up on missed mortgage payments over a three to five-year period.  Your chapter 13 Plan can also allow you to enter into a mortgage modification to clear up any arrearages that have built up on the mortgage. If you can make regular payments under the chapter 13 plan, you can keep your home while resolving your debts.

It is highly recommended to consult with an experienced Pittsburgh bankruptcy attorney who can provide guidance based on your unique situation and navigate you through the process.  We offer free consults and payment plans for all debt relief and foreclosure options. 

If a creditor such as Discover Bank, Midland Funding, LVNV Funding, Capital One, Synchrony Bank or a debt collector such as Portfolio Recovery Associates has filed a Writ of Execution against you, our Pittsburgh Bankruptcy Team can help.  Filing a chapter 7 or chapter 13 bankruptcy can stop a creditor or debt collector even if they have already levied or attached your bank account.  Filing a bankruptcy can reverse the hold they have on your bank account. 

It is important that as soon as you receive paperwork that your creditor or a debt collector is attempting to attach or levy your account with a judgment they have taken against you, that you contact our team of Pittsburgh Bankruptcy Lawyers.  We can immediately advise you about filing a Claim for Exemption with the Allegheny County Sheriff or filing an Emergency Bankruptcy in Pittsburgh.  These actions can resolve your debt and remove the lien against your bank account immediately.  Allowing you to have access to your paycheck or other funds in your bank account. 

If you have been served or received a Writ of Execution in Allegheny County, call our Pittsburgh Bankruptcy Lawyers immediately.  We offer free consultations and payment plans for all bankruptcy services.  

Trust Us To Restore Financial Stability

Debt is stressful. We offer reasonable legal fees and payment plans to all of our debt relief and bankruptcy clients.

To learn more about your debt relief options call at 724-832-2499email or chat.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.


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