Bankruptcy law can be very complex, particularly Chapter 13 cases. Historically, most of the indivduals who filed a chapter 13 bankruptcy case without an attorney, did not have their debts cleared and did not get their discharge. Misunderstandings of the law or making mistakes in the process can affect your rights. Court employees and bankruptcy judges are prohibited by law from offering legal advice. We strongly encourage you to consult with an attorney before filing.
Things to know and consider before you file:
- Consider participating in our Self-Help Program
- Bankruptcy Resources from the Administrative Office of the U.S. Courts
- Credit Counseling - Required Before Filing
- Videos on the Bankruptcy Process - A series of nine educational YouTube videos on the bankruptcy process produced by the Administrative Office of the US Courts.
- Glossary of Common Bankruptcy Terms from the Administrative Office of the U.S. Courts
- Your Money's Best Friend from the Pennsylvania Housing Finance Agency (PHFA)
- Free Foreclosure Counseling from the Pennsylvania Housing Finance Agency (PHFA)
- Why your case might get dismissed