Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
How many are in your household?
There are 2 main types of Bankruptcy - Chapter 7 and Chapter 13. Chapter 7 is preferred because you pay nothing to have debts discharged. With a Chapter 13 you have to pay all disposable income to the Bankruptcy court for up to 5 years. At the end of the 5 years, the balance of unsecured debts would be discharged.
To qualify for a Chapter 7, a debtor's gross monthly household income must be $6,600 or less for a family of 4 in Pennsylvania.
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