Pennsylvania Bankruptcy Laws

Key Points

Pennsylvania has its own set of exemptions in place when it comes to filing bankruptcy. In Pennsylvania, you can also choose from the set of bankruptcy exemptions set forth by federal law.

However, you must take care to choose from any one and not both. Choosing to use the Pennsylvania bankruptcy exemptions also entitles you to use the federal non-bankruptcy exemptions.

Married couples in Pennsylvania are allowed to double their exemption if they choose to file a joint bankruptcy.

Homestead

Homestead exemption isn't available with Pennsylvania bankruptcy law. You can still protect the equity in your home in case you and your spouse own it as a tenancy. This has to be a form of joint ownership of property between you and your spouse. It should also be exempt from the creditors of the debts of a single spouse.

Motor vehicle or automobile

If you decide to make use of the federal motor vehicles bankruptcy exemption, then you'd be exempt for an amount of up to 3,450 dollars of equity in your car. Otherwise a wildcard exemption may help you protect your car.

Personal property

Clothing, schoolbooks, Bibles, military uniforms and sewing machines fall under the personal property exemptions.

Wages

75 percent of the wages are eligible for exemption. Earned but unpaid wages, prison inmate's wages and the wages of victim abuse also fall under this category.

Pensions

Pensions for city, county, municipal, public school and state employees along with that of police officers is exempt.

Wildcard

You can make use of this to protect 300 dollars of any property you possibly own.

Eastern District of Pennsylvania

Philadelphia

Street Address



Robert N.C. Nix, Sr. Federal Courthouse

900 Market Street, Suite 400

Philadelphia, PA 19107

Contact Number:



215-408-2800

Working Hours:

Monday-Friday

8:30 a.m. to 5:00 p.m. (excluding Federal Holidays)

Reading

Street Address



Madison Building

400 Washington Street, Suite 300

Reading, PA 19601-3915

Contact Number:



610-208-5040

Working Hours:

Monday-Friday

8:00 a.m. to 4:30 p.m. (excluding Federal Holidays)

Middle District of Pennsylvania

Harrisburg (Main Office)

Street Address



Ronald Reagan Federal Building

228 Walnut Street, Room 320

Harrisburg, PA 17108-9998

Contact Number:



717-901-2800

888-531-9485 (Toll Free)

Working Hours:

Monday-Friday

9:00 a.m. to 4:00 p.m. (excluding Federal Holidays)

Wilkes-Barre

Street Address



274 Max Rosenn U.S. Courthouse

197 South Main Street

Wilkes-Barre, PA 18701

Contact Number:



570-831-2500

877-298-2053 (Toll Free)

Working Hours:

Monday-Friday

9:00 a.m. to 4:00 p.m. (excluding Federal Holidays)

Williamsport (hearing location only)

Street Address



US Courthouse & Federal Building

240 West Third Street

Williamsport, PA 17701

Western District of Pennsylvania

Pittsburgh (Main Office)

Street Address



U.S. Bankruptcy Court

5414 U.S. Steel Tower

600 Grant Street

Pittsburgh, PA 15219

Contact Number:



412-644-2700

Working Hours:

Monday-Friday

9:00 a.m. to 4:30 p.m. (excluding Federal Holidays)

Erie

Street Address



U.S. Bankruptcy Court

U.S. Courthouse, Room B160

17 South Park Row

Erie, PA 16501

Contact Number:



814-464-9740

Working Hours:

Monday-Friday

9:00 a.m. to 4:30 p.m. (excluding Federal Holidays)

Johnstown

Street Address



U.S. Bankruptcy Court

Penn Traffic Building

Johnstown, PA 15901

Contact Number:



814-533-4246

Working Hours:

Monday-Friday

9:00 a.m. to 4:30 p.m. (excluding Federal Holidays)

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