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Pennsylvania Bankruptcy Questions & Answers
1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: If my company goes bankrupt is the insurance carrier still liable for my claim.

The injury and claim happened before the company filed bankruptcy

Robert Jason De Groot
Robert Jason De Groot
answered on Aug 11, 2015

You have not provided enough information, and what you did provide is confusing. The best thing to do is to speak with a bankruptcy lawyer about this.

2 Answers | Asked in Bankruptcy for Pennsylvania on
Q: I have completed the post bankruptcy education course and need to complete form 23. Where should I send it & certific

Complete a form 23. I don't have a lawyer. So can you tell me where should I submit these documentation? I live in Pennsylvania. Thanks

Robert Jason De Groot
Robert Jason De Groot
answered on Aug 11, 2015

You submit that along with the petition and schedules, and all other necessary documents, when you file the bankruptcy case.

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1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: I have a default judgement against me in delaware with pnc bank in delaware can they garnish my bank account?
Robert Jason De Groot
Robert Jason De Groot
answered on Aug 10, 2015

Probably not at all if you file bankruptcy. Go see a local bankruptcy attorney about this.

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: if i file bankruptcy prior to sheriff's sale am I still responsbile for defficiency?
Kevin W. Chern
Kevin W. Chern
answered on Jul 7, 2015

Personal liability for mortgage debt (though not the lien on the property) can be discharged in Chapter 7 bankruptcy. Likewise, a deficiency judgment may be discharged in bankruptcy after the judgment is entered. Depending on the specific circumstances, there may be advantages to filing in advance... View More

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: Can I hire a lawyer to remove my bankruptcy information from the internet. The bankruptcy is over.
Robert Gambrell
Robert Gambrell
answered on Jul 5, 2015

Sure you can hire a lawyer to do that. However, the lawyer will tell you that you are wasting your money. Bankruptcy is a public record. Thus, the information will be on Pacer for years to come. Right now, we can find some information on Pacer about bankruptcy filings in our jurisdiction that... View More

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: I have a business that is failing what happens to me if I can no longer afford payments
Kevin W. Chern
Kevin W. Chern
answered on Jun 18, 2015

Your question isn't entirely clear, but I think you're asking what will happen if you're in Chapter 13 bankruptcy and unable to keep up the payments because your income has declined as your business is failing.

If that is what you're asking, you may have a couple of...
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1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: can you clear a lien through a chapter 7

I have a judgement on my home can it be cleared off with chapter 7 bankruptcy chapter 7

Robert Gambrell
Robert Gambrell
answered on Jun 2, 2015

If 100% of your equity is exempt under Pennsylvania law, you should be able to avoid the lien under § 522(f) of the Bankruptcy Code. However, you should take the time to meet with an experienced bankruptcy attorney that handles chapter 7 and chapter 13 cases since sometimes a chapter 13 ends up... View More

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: If I file bankruptcy, can they take my car. I paid my car off in 2005
Kevin W. Chern
Kevin W. Chern
answered on May 21, 2015

In bankruptcy, certain property is exempt (protected from creditors). The Pennsylvania exemptions don't provide specific protection for motor vehicles. Generally, a motor vehicle is treated like any other asset, which may be subject to sale by the trustee for the benefit of creditors.... View More

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: Do I need a lawyer for bankrupcty

I don't have money to file can I do it without a lawyer and knowledge

Robert Gambrell
Robert Gambrell
answered on May 19, 2015

Through the years, I have seen many people that filed bankruptcy for them selves and ended up losing assets that they could have kept had the had representation and that have agreed to reaffirm and pay back debt to keep items on which they could have avoided the lien instead and paid nothing to... View More

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: How can I search to find if an individual has filed bankruptcy?
Donald M. Hahn
Donald M. Hahn
answered on Feb 10, 2015

There is a website called PACER (Public Access to Court Electronic Records) where you can search for parties in bankruptcy cases for 10 cents. However, you need to set up an account. The website is as follows:

https://pcl.uscourts.gov/search

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: Is it a must to have my mortgage paid before it goes into grace period when trying to file for chap 7
Donald M. Hahn
Donald M. Hahn
answered on Feb 9, 2015

Paying during the grace period is still paying late. If a bankruptcy petition were filed after the date the mortgage payment was due but before the date the mortgage payment was actually made, the debtors go into the bankruptcy case behind on their mortgage. The post-petition payment should... View More

2 Answers | Asked in Bankruptcy for Pennsylvania on
Q: If I file for bankruptcy can I keep a credit card ?
Donald M. Hahn
Donald M. Hahn
answered on Feb 9, 2015

You should be able to keep credit cards with zero balances at the time you file. However, that depends upon the creditor.

If you owe the creditor less than $600 and really want to keep the credit card, you may wish to consider paying it off before you file.

If you owe the creditor...
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1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: I have just recvd paperwork from an attorney showing debtors petition for chapter 7 Do I have to return property

car towed by police on 9/07/14

Do I have the right to hold car til hearing is held I have not recvd any notice from the courts

Robert Keyes
Robert Keyes
answered on Nov 20, 2014

Need more information. Are you a creditor? Whose car are you talking about? Why was car towed? If you are the creditor, you need to contact a bankruptcy attorney in your area. Return of a repossessed vehicle is somewhat a local issue.

2 Answers | Asked in Bankruptcy for Pennsylvania on
Q: I have filed bankruptcy before and I would like to know how long do I have to wait before I can file again?
Tudor Neagu
Tudor Neagu
answered on Oct 17, 2014

The rules vary depending on what chapter you filed, and when you received your discharge. It can range from 5 to 7 years.

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1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: How do I find a bankruptcy record.

I live in a condo in northeast phila an owner who lost her property left with unpaid condo dues. She is stating she went chapter 7 but condo received no record.

Tudor Neagu
Tudor Neagu
answered on Oct 17, 2014

https://www.pacer.gov/

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: is there a way to find a copy of a bankruptcy docket or judgement online that was filed 4 1/2 years ago
Tudor Neagu
Tudor Neagu
answered on Oct 17, 2014

Yes, bankruptcy filings and docket entries can be retrieved electronically at https://www.pacer.gov. You will need an account, and pages cost a few cents each, but it contains filings going back even longer than 4 1/2 years. An attorney who has a Pacer account can easily retrieve that filing for... View More

2 Answers | Asked in Bankruptcy for Pennsylvania on
Q: I've been informed by an email that I was named as a creditor in a bankruptcy case over a month ago but still have not g

gotten any legal documents can you help me

Rachel Lea Hunter
Rachel Lea Hunter
answered on May 16, 2014

Why would you receive any legal documents? What kind of bankruptcy was filed? It makes a difference.

First, does the debtor owe you money? Have you sued and recovered a judgment against the debtor prior to filing bankruptcy? Or did you have security interest in anything, like a lien...
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2 Answers | Asked in Bankruptcy for Pennsylvania on
Q: If I am married, can I file bankruptcy without my husband?
Mark Medvesky
Mark Medvesky
answered on Apr 27, 2014

The quick answer is yes. The challenge is how to divide the bills and assets. But you can do it and should if you need it. The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or... View More

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1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: My sister is in chater 13, my mother passed,how can I sell her house,as we are both co owners
Mark Medvesky
Mark Medvesky
answered on Apr 27, 2014

Call your sister's attorney. The attorney can work with the trustee to get approval to sell the asset. The next issue will be how the proceeds going to your sister are used. The use of the Internet or this form for communication with the firm or any individual member of the firm does not... View More

1 Answer | Asked in Bankruptcy for Pennsylvania on
Q: New Chapter & Laws from this Januart

My brother filed chapter 7 6 or so years ago. He has been making his house payments on time. when we did not get a statement this month, we called. They said due to the new laws governing chapter 7 they can not longer send him a statement or try to collect this money in any way. They said it is not... View More

Mark Medvesky
Mark Medvesky
answered on Apr 27, 2014

You should go back to the attorney who filed the bankruptcy. I do not believe an actual reaffirmation agree is required. I have had this with car loans and people just pay their payments. Talk to his attorney. The use of the Internet or this form for communication with the firm or any individual... View More

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