Johnstown Bankruptcy Attorneys

Our team of highly experienced Johnstown bankruptcy attorneys is dedicated to helping you eliminate your debt. With both Chapter 7 and Chapter 13 bankruptcy available, we can get rid of a variety of unsecured debt obligations, including credit card debt, personal loans, medical bills, utility shut off notices, and repossessions. We take the time to thoroughly review your financial situation and determine the best course of action for you, your family, or your business. Count on our team in Cambria County to provide you with the expert guidance you need to start fresh and move forward with renewed financial stability.

What is A Bankruptcy Discharge?

A discharge prevents the creditor from pursuing debt collection against the debtor. In other terms, a debt obligation that has been discharged is no longer enforceable against the debtor. Our Johnstown team’s primary goal is to have your debts discharged. After your discharge, you are no longer personally held accountable for the debt.

Chapter 7 bankruptcies typically result in a discharge at the conclusion of the case. In Chapter 7 cases, the discharge is frequently granted 60 days after the 341(a) Meeting of Creditors. This typically implies that you will be discharged four months after filing your Chapter 7 petition.

What Debts Are Forgivable or Discharged in Johnstown?

Chapter 7 will discharge the vast majority of your obligations. The list of dischargeable debt will include all of your debts incurred prior to the Chapter 7 filing date. Any debt incurred after filing your petition but before receiving a discharge remains your responsibility. To help you make a fresh start, our Johnstown bankruptcy attorneys will go through your debts with you and decide the best course of action.

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

What is the Johnstown Chapter 13 Bankruptcy Process?

In Johnstown, Chapter 13 bankruptcy, also known as a “wage earner’s plan,” is a type of personal bankruptcy. It allows individuals with a regular income to construct a repayment plan to repay their debts in three to five years. Opposed to Chapter 7, which involves the liquidation of assets to pay off debts, Chapter 13 bankruptcy focuses on establishing a manageable repayment plan based on your income and expenses.

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

  1. Credit counseling: Before filing for Chapter 13 bankruptcy, debtors must complete credit counseling with an agency that has been approved. This counseling seeks to provide financial education and evaluate bankruptcy alternatives. For a list of approved vendors, please contact our Johnstown office.
  2. Filing the petition: The debtor must file a petition with the Western District of Pennsylvania Bankruptcy Court to initiate the Chapter 13 bankruptcy process. The petition includes comprehensive financial information, including income, expenses, assets, and liabilities.
  3. Chapter 13 repayment plan: Our experienced Johnstown bankruptcy attorneys are responsible for developing a repayment plan outlining how you will repay your debts over the next three to five years. The plan must demonstrate that you have sufficient income to pay for the plan and that the debtor can pay his or her regular monthly living expenses in addition to making monthly payments to creditors.
  4. Meeting of creditors: After filing the petition, you and Your Pittsburgh Bankruptcy Attorney will attend a meeting of creditors, also known as a 341 meeting (this will be conducted via Zoom). The meeting gives creditors the opportunity to inquire about your financial situation and proposed repayment plan. Also presiding over the meeting is the bankruptcy trustee.
  5. Confirmation hearing: A confirmation hearing is scheduled during which the bankruptcy court will evaluate and approve the proposed repayment plan. Your bankruptcy attorney is present at this hearing. Creditors may object to the plan if they believe it does not comply with the bankruptcy code’s requirements. If the court approves the Chapter 13 bankruptcy plan, the court-approved plan becomes the required repayment for all creditors included in the Plan.
  6. Plan implementation: Once the repayment plan is confirmed, the debtor makes regular payments to the Chapter 13 Bankruptcy Trustee, who then distributes the funds to creditors in accordance with the terms of the plan. The debtor must adhere to the repayment schedule and make payments on time for the duration of the repayment schedule. Our team of experienced bankruptcy attorneys can help you set up automatic payments.
  7. Completion and discharge: If you successfully complete the repayment plan, you will be discharged from your outstanding debts, provided you have completed all responsibilities and followed the conditions of the bankruptcy court and plan. The discharge relieves the debtor of personal accountability for any discharged debts.


It is essential to note that the Chapter 13 bankruptcy process can be complicated and may vary based on the specifics of each case. To ensure an accurate understanding of the process and to effectively navigate it, speaking with one of our Johnstown bankruptcy lawyers is strongly advised. In Johnstown, we provide complimentary consultations and payment plans for all bankruptcy and debt relief services.

In Johnstown and Cambria County, Chapter 7 bankruptcy, commonly known as “fresh start bankruptcy,” is a kind of bankruptcy that involves getting a fresh start and dismissing unsecured debt. It is intended for people or businesses that are unable to repay debts and are looking for a financial fresh start. The following is an overview of the Chapter 7 bankruptcy process:

  1. Credit counseling: Individuals must complete credit counseling from an authorized provider before filing for Chapter 7 bankruptcy. This counseling seeks to provide financial education and assist in determining if filing for bankruptcy is the best course of action.
  2. Filing the petition: The bankruptcy process begins with the filing of a Chapter 7 bankruptcy petition with the Western District of Pennsylvania bankruptcy court. The petition includes specific financial details such as income, expenses, assets, liabilities, and a list of creditors.
  3. Automatic stay: Once the petition is filed, an automatic stay takes effect, halting most creditors’ collection operations. This implies that creditors can no longer pursue debt collection efforts such as lawsuits, wage garnishments, or foreclosure proceedings. After the case is filed, our Johnstown bankruptcy attorneys will notify creditors to cease all collection efforts.
  4. Appointment of a trustee: A bankruptcy trustee is appointed to oversee the case. The trustee’s responsibility is to review your assets, assess the state of your finances, and ensure that your assets are distributed fairly to creditors (the majority of people who file bankruptcy do not lose any assets).
  5. Meeting of creditors: The debtor is required to attend a creditors’ meeting, commonly known as a 341 meeting. This meeting will take place over the phone. The trustee and creditors have the opportunity to ask questions concerning their financial affairs, assets, and liabilities during this meeting. The debtor must submit complete and correct information. Creditors typically do not attend this meeting. Your Johnstown bankruptcy attorney will prepare you for this meeting by going over all of your financial records with you.
  6. Discharge of debts: Following the conclusion of the 341 Meeting of Creditors, the bankruptcy court issues a discharge order, which provides you with a financial new start from personal liability for most types of debts. This implies that you are no longer legally required to repay the discharged debts, and creditors are prohibited from pursuing collection or contacting you about the discharged debts.


It is crucial to understand that not all debts, such as certain tax obligations, child support or alimony payments, student loans (in most cases), and debts resulting from fraudulent or illegal conduct, can be dismissed through Chapter 7 bankruptcy. Our Johnstown Bankruptcy Attorneys provide free consultations over the phone, text, or email. All bankruptcy and debt relief services are available with payment plans.

The Chapter 7 bankruptcy process can be complicated, and the specifics can vary depending on the individual’s situation and the jurisdiction. Consulting with a bankruptcy attorney is highly recommended in order to fully understand the process and successfully navigate it.

Filing for Chapter 7 or Chapter 13 bankruptcy in Johnstown or Cambria County can initiate an automatic stay, which halts collection actions, including foreclosure proceedings. When you file for bankruptcy, an automatic stay goes into effect, halting the foreclosure process temporarily. This can give you time to assess your financial situation and consider potential solutions.

Chapter 7 bankruptcy may provide temporary relief from foreclosure, but it typically does not offer a permanent solution to save your home. However, Pennsylvania provides a homestead exemption that protects a certain amount of equity in your primary residence, which may assist in protecting your property in Chapter 7 bankruptcy.

On the other hand, Chapter 13 bankruptcy may be a more viable long-term option for preventing foreclosure. It entails developing a repayment strategy to make up for missed mortgage payments over a three to five-year period. Your chapter 13 plan could also allow you to enter into a mortgage modification in order to eliminate any mortgage arrears. If you are able to make regular payments under the chapter 13 plan, you will be able keep your home while paying off your debts.

Consulting with an experienced Johnstown bankruptcy attorney who can provide guidance based on your unique situation and guide you through the process is strongly advised. We provide payment plans and free consultations for all debt relief and foreclosure options.

If a creditor like Discover Bank, Midland Funding, LVNV Funding, Capital One, or Synchrony Bank, or a debt collector like Portfolio Recovery Associates, has filed a Writ of Execution against you, our Pittsburgh Bankruptcy Team can assist you. Even if a creditor or debt collector has already levied or attached your bank account, filing for chapter 7 or chapter 13 bankruptcy will stop them. Filing for bankruptcy can reverse their hold on your bank account.

Contact our team of Johnstown bankruptcy attorneys as soon as you receive notice that a creditor or debt collector is attempting to attach or levy your account based on a judgment they have taken against you. We can provide you with immediate guidance regarding filing a Claim for Exemption with the Cambria County Sheriff or an Emergency Bankruptcy in Johnstown. These actions can promptly resolve your debt and remove the lien from your bank account, allowing you access to your paycheck and other bank account funds.

If you have been served or received a Writ of Execution in Cambria County, call our Johnstown 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.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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