In What Court Should Philadelphians File a Bankruptcy Petition?

In What Court Should Philadelphians File a Bankruptcy Petition?

Understanding bankruptcy and the bankruptcy process is an essential step for any person who is considering bankruptcy to correct serious debt issues. Unfortunately, a working understanding of the bankruptcy system is not something that is gained overnight. In fact, bankruptcy laws are highly complex and technical. Furthermore, bankruptcy is an area of the law where a single mistake can result in a loss of the legal and financial benefits provided by bankruptcy. Serious mistakes may even be viewed by the court as attempted fraud. Taxpayers who find themselves in this position may no longer be eligible for a bankruptcy filing or may encounter significant skepticism at the court.

Therefore, the Philadelphia bankruptcy lawyers of Sadek & Cooper are proud to address some of the concerns expressed by potential clients. In this post, we will analyze where Philadelphians must file their bankruptcy petition. In future posts, we except to address a number of other common bankruptcy concerns.

Where Should Philadelphians File a Bankruptcy Petition?

The first issue in assessing where a potential client should file his or her bankruptcy turns on the individual’s residency. For purposes of bankruptcy law,  a person is considered to be a resident of a particular state when he or she has lived in the state for at least 91 of the past 180 days (six months). This is an individual determination that is fact-sensitive to your particular situation. Whether you qualify as a resident of Pennsylvania or as a resident of another state is an important initial determination that can only be made after a careful assessment of your facts and circumstances.

If the attorney determines that you are a resident of Pennsylvania, he or she is likely to engage in further inquiry. This is because the state of Pennsylvania is divided into three federal court districts: Eastern District of Pennsylvania, Middle District of Pennsylvania, and Western District of Pennsylvania. Your location of residence in the state determines in what federal court situated in the State of Pennsylvania you will file.

chapter 13 bankruptcy lawyer

For Philadelphians and others living in southeastern Pennsylvania, their bankruptcy filing is proper in the Pennsylvania Eastern District Bankruptcy Court. This means that individuals with the following Philadelphia zip codes would file their Chapter 7, Chapter 13, or other bankruptcy petition in this court:

• 19102
• 19103
• 19104
• 19106
• 19107
• 19109
• 19111
• 19112
• 19114
• 19115
• 19116
• 19118
• 19119
• 19120
• 19121
• 19122
• 19123
• 19124
• 19125
• 19126
• 19127
• 19128
• 19129
• 19130
• 19131
• 19132
• 19133
• 19134
• 19135
• 19136
• 19137
• 19138
• 19139
• 19140
• 19141
• 19142
• 19143
• 19144
• 19145
• 19146
• 19147
• 19148
• 19149
• 19150
• 19151
• 19152
• 19153
• 19154

Aside from these zip codes, all of Philidelphia County is served by Pennsylvania’s Eastern District Bankruptcy Court. Furthermore, residents of Bucks, Lancaster, Montgomery, Delaware, and Chester Counties would also file in this court.

Why Is it Essential that a Bankruptcy Petition Is Filed in the Proper Court?

While bankruptcy law draws heavily on federal law, a complete understanding also requires familiarity with the state-based rules that will affect any filing. For instance, in Pennsylvania, bankruptcy filers have the option of using the state or federal property exemptions. A Pennsylvania bankruptcy attorney can inform you that this option is available in the state and assess which set of exemptions is likely to produce a more favorable result.

Aside from understanding the interplay between federal and relevant state bankruptcy laws, a number of local rules specific to that court are also an important consideration. In fact, the Eastern District of Pennsylvania has set up a dedicated web page listing an array of local rules and standing orders that must be respected when filing in this court. Furthermore, the court may set forth specific instructions and procedures regarding how creditor notification should be handled. In fact, most if not all courts have specific orders for how the “mailing matrix” of creditors must  be formatted.  Furthermore, the Eastern District of Pennsylvania also provides a number of local forms that all filers must navigate and utilize appropriately.

chapter 13 bankruptcy attorneys

Work With a Philadelphia Bankruptcy Lawyer

Working with a lawyer who understands not only federal and state bankruptcy laws but also these local rules and requirements can expedite your bankruptcy filing by avoiding mistakes and errors that would otherwise delay the matter. The attorneys of Sadek & Cooper are proud to work with Philadelphians and Pennsylvanians who are looking to address their debt problems and get a fresh financial start. To schedule a free and confidential consultation, call our law firm at 215-545-0008 today. We have locations conveniently located in Center City, northeast Philadelphia, Delaware County, Bucks County, and in southern New Jersey.




Lavern Baker
Lavern Baker
17:03 23 Feb 18
You are all super lawyers. Brad and Matt made me feel comfortable. Every one in your office so nice and just made it easy. You’re the best!
peter b
peter b
19:42 21 Feb 18
Thank you, Sadek and Cooper Law offices for your dedication on my behalf. I appreciate Matthew and Patrick and your staff and all that everyone did to support me in this legal matter. You took an embarrassing, sad experience, for me, and turned it into a successful solution without all the emotional pain expected. After dealing with a loan modification company for over eighteen months without going to an attorney first that is the biggest mistake anyone can make. The Modification Companies set out to sell you lies, broken promises and dilute the homeowner's assets with no knowledge of any kind of law. I can't stress enough stay away from Modification companies, as a Military Veteran and family man, protect you or your family best interest. Go directly to Sadek and Copper you will not regret it! This firm moves with Super speed and diligence protecting you and your family's the entire process, even after watching some of these other attorneys in the courtroom appearing to mishandled their clients’ cases before the Trustee. You made it easy and I’m finally getting my financial life back on track! Thank you for your prompt replies to me, your clear information and preparation needed when at the courthouse. I would of course recommend you to others and I am glad you were the one who had my case. Kind genuine law firm who treats you like family. God bless you all and I pray for your continued success in your field of expertise. This firm is Super Lawyers for a reason. They are the best at what they do! Pete
Doug Tinlin
Doug Tinlin
06:55 15 Feb 18
Brad Sadek gave me hope when he decided to handle my mortgage for enclosure defense. I had exactly 10 days left of the 30 days ultimatum given me, but he was able to bargain for an extra 30 days for me to pay up. That duration turned out just right.
Jacinth Jacinth
Jacinth Jacinth
16:07 31 Jan 18
Excellent service. Brad and Matt were outstanding and friendly. They helped me through this. I’ve never met attorneys like these. Thank you!
julie njoku
julie njoku
12:29 24 Jan 18
Brad Sadek is excellent!. He understands and he's fair. You feel like you have someone fighting for you. The staff is friendly, professional, and courteous. These guys are the best at what they do !
Owen Black
Owen Black
20:14 09 Jan 18
Thanks for the great service! I would recommend this firm highly. Throughout the years I have been helped by this firm greatly and very much appreciated.
Steven Rychalsky
Steven Rychalsky
15:30 09 Jan 18
Sadek and Cooper law office was a wonderful experience to work with. Bankruptcy is a difficult experience but they helped with the stress so much and made it easy. I would recommend Sadek and copper too anyone.
Chris Kourelias
Chris Kourelias
19:09 28 Dec 17
Working with both Brad & Matthew was a pleasure. Both gentlemen are extremely knowledgeable and helpful in providing me the right assistance needed to make the correct decision to benefit me in the long run. I would recommend both candidates to anyone looking for assistance with a reputable law firm.
Jennyfer Santana
Jennyfer Santana
21:17 21 Dec 17
Highly Recommended. Matt & Brad assisted with my case. I felt comfortable throughout the entire process. Matt was very understanding, patient, and ensured he answered all my questions! Both great guys and very friendly! It was a pleasure working with Matt and Brad.
See All Reviews Write a review
Call Us Now