title: "Pennsylvania Bankruptcy Chapter 7 - LSC-Grade Legal Packet"

state: "PA"

category: "Bankruptcy"

date: "2026-03-20"

price: "$97"

lsc_grade: true

Pennsylvania Chapter 7 Bankruptcy Filing Packet

Templates for informational purposes only. Not legal advice.

ELIGIBILITY CHECKLIST

• [ ] You have lived in Pennsylvania for at least 91 of the last 180 days
• [ ] Your household income is below the Pennsylvania median for your household size (or you passed the means test)
• [ ] You have NOT filed Chapter 7 bankruptcy in the last 8 years
• [ ] You have NOT filed Chapter 13 bankruptcy in the last 6 years
• [ ] You did NOT have a bankruptcy case dismissed in the last 180 days for cause
• [ ] You have completed a credit counseling course within 180 days before filing (11 U.S.C. § 109(h))

Pennsylvania Median Income (2026): 1 person: $61,229 | 2 people: $76,405 | 3 people: $88,476 | 4 people: $102,815 | 5+: add $9,900 per person

FORM 1: VOLUNTARY PETITION — BLANK TEMPLATE

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UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF PENNSYLVANIA

In re: )

) Case No.: _______________

[YOUR FULL LEGAL NAME], )

) Chapter 7

Debtor. )

VOLUNTARY PETITION

1. DEBTOR INFORMATION

Name: [YOUR FULL LEGAL NAME]

All other names used in the last 8 years: [LIST ANY OR "NONE"]

Street Address: [YOUR STREET ADDRESS]

City, State, Zip: [CITY], PA [ZIP CODE]

County: [YOUR COUNTY IN PA]

1. FILING DISTRICT

[ ] Eastern District of Pennsylvania

[ ] Middle District of Pennsylvania

[ ] Western District of Pennsylvania

1. CHAPTER SELECTION

[X] Chapter 7 - Liquidation

1. ENTITY TYPE

[X] Individual

1. ESTIMATED ASSETS AND LIABILITIES

Estimated Assets: $[TOTAL VALUE OF EVERYTHING YOU OWN]

Estimated Liabilities: $[TOTAL AMOUNT OF ALL DEBTS]

1. EXECUTION

I declare under penalty of perjury that the information is true and correct.

Date: _______________

______________________________________

Signature of Debtor

Print Name: ________________________

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--- PAGE BREAK ---

FORM 2: SCHEDULES A/B — BLANK TEMPLATE

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SCHEDULE A/B - PROPERTY

SCHEDULE A - REAL PROPERTY

If you have no real estate, write "NONE" below.

SCHEDULE B - PERSONAL PROPERTY

[ ] 1. Cash on hand: $______________

[ ] 2. Checking accounts: Bank: ________________ Amount: $______________

[ ] 3. Savings accounts: Bank: ________________ Amount: $______________

[ ] 4. Retirement accounts: Type: ________________ Value: $______________

[ ] 5. Stocks and bonds: Description: ________________ Value: $______________

[ ] 6. Vehicles: Year: ____ Make: ____________ Model: ____________ Value: $______________

[ ] 7. Household goods and furnishings:

• Furniture: $______________
• Electronics: $______________
• Appliances: $______________

[ ] 8. Jewelry: Description: ________________ Value: $______________

[ ] 9. Clothing: Approximate value: $______________

[ ] 10. Other: Description: ________________ Value: $______________

TOTAL VALUE OF ALL PROPERTY: $______________

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--- PAGE BREAK ---

FORM 3: SCHEDULE C — EXEMPTIONS — BLANK TEMPLATE

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SCHEDULE C - EXEMPT PROPERTY

IMPORTANT: Mark your choice at the top:

[ ] I claim Pennsylvania State Exemptions ONLY (42 Pa.C.S. § 8121-8124)

[ ] I claim Federal Exemptions ONLY (11 U.S.C. § 522(d))

List ALL property you claim as exempt:

TOTAL VALUE OF ALL EXEMPT PROPERTY: $______________

Date: _______________

______________________________________

Signature of Debtor

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--- PAGE BREAK ---

FORM 4: SCHEDULES D, E/F — BLANK TEMPLATE

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SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS

TOTAL SECURED DEBTS: $______________

─────────────────────────────────────────────────────────────────

SCHEDULE E/F - UNSECURED CLAIMS

PRIORITY CLAIMS (taxes, domestic support):

NONPRIORITY CLAIMS (credit cards, medical bills):

TOTAL UNSECURED DEBTS: $______________

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--- PAGE BREAK ---

FORM 5: SCHEDULES I AND J — BLANK TEMPLATE

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SCHEDULE I - YOUR INCOME

TOTAL MONTHLY INCOME: $______________

─────────────────────────────────────────────────────────────────

SCHEDULE J - YOUR EXPENDITURES

TOTAL MONTHLY EXPENSES: $______________

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--- PAGE BREAK ---

FORM 6: DECLARATION — BLANK TEMPLATE

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DECLARATION ABOUT SCHEDULES

UNITED STATES BANKRUPTCY COURT

[ ] Eastern District

[ ] Middle District

[ ] Western District

of Pennsylvania

Case No.: _______________

In re: [YOUR FULL LEGAL NAME], Debtor

I, [YOUR FULL LEGAL NAME], declare under penalty of perjury that:

1. I am the debtor in this case.
2. I have read the schedules of assets and liabilities and the statement

of financial affairs filed with this declaration.

1. To the best of my knowledge and information, the schedules and statement

are true and correct.

1. The amount of scheduled debts is approximately $______________.
2. I have not omitted any creditor or asset from these schedules.
3. [ ] I am not engaged in business.

[ ] I am engaged in business as: ________________________________

Date: _______________

______________________________________

Signature of Debtor

Print Name: ________________________

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FILING STEPS

1. Find an approved credit counseling agency at justice.gov/ust and complete the 60–90 minute course; save your certificate (valid 180 days).
2. Gather all pay stubs (last 7 months), 2–3 years of tax returns, bank statements (last 6 months), and a complete list of all debts and assets.
3. Compare your average monthly income for the last 6 months to the PA median income; if above median, complete Form 122A-2 means test.
4. Determine your district: Eastern (Philadelphia area), Middle (Harrisburg/Scranton/Williamsport area), or Western (Pittsburgh/Erie area).
5. Complete Form 101 (Voluntary Petition) and all Schedules A/B through J.
6. Complete Statement of Financial Affairs (Form 107) and means test forms 122A-1 and 122A-2 if required.
7. Sign the Declaration (Form 106Dec) and complete the Summary of Schedules (Form 106Sum).
8. File at your district's bankruptcy court in person or via CM/ECF; pay the $338 filing fee (installments or waiver available if income below 150% poverty level).
9. Within 14 days of filing, send the trustee your last 2 years of tax returns and pay stubs from 60 days before filing.
10. Complete the debtor education course (required before discharge) at an approved provider.

COURT INFORMATION

FILING CHECKLIST

• [ ] Form 101 - Voluntary Petition (original)
• [ ] Schedules A/B through J
• [ ] Schedule Summary (Form 106Sum)
• [ ] Declaration (Form 106Dec)
• [ ] Statement of Financial Affairs (Form 107)
• [ ] Form 122A-1 (Current Monthly Income)
• [ ] Form 122A-2 (Means Test — if income above median)
• [ ] Credit Counseling Certificate (Form 423)
• [ ] Statement of Intention (if you have secured debts)
• [ ] Mailing matrix (list of all creditor addresses)
• [ ] Filing fee ($338) or fee waiver application
• [ ] Photo ID
• [ ] Social Security card or proof of SSN
• [ ] Copies of last 2 years of tax returns (for trustee)
• [ ] Pay stubs from 60 days before filing (for trustee)

STATUTE REFERENCES

DISCLAIMER

IMPORTANT: This packet provides general information and template documents for informational purposes only. It does not constitute legal advice.

• Jurist-Diction is not a law firm and cannot provide legal advice.
• Bankruptcy laws are complex and have long-term financial consequences.
• These documents may not be appropriate for your specific situation.
• Laws change frequently. Verify current law before filing.
• Filing bankruptcy incorrectly can result in denial of discharge or criminal charges.

Consult an attorney if you have significant assets, recently transferred property, owe taxes, have pending lawsuits, or a creditor claims fraud.

Need help? Find free legal aid at palawhelp.org or call 211.