Chapter 7: Frequently Asked Questions


Your discharge from bankruptcy will occur on or about 60 days from the date of your Meeting of Creditors. 

When is my hearing?

Your hearing will be scheduled four (4) to six (6) weeks from the date we filed your Petition. If you have not received a Notice within a week of filing, please contact the office. 

Will I lose everything?

There is zero truth that you will automatically lose your home or car. The average consumer retains his/her home, car and other possessions. We will discuss how to "exempt" (protect) your assets.

Is this private?

Yes. Your bankruptcy status will not be published in the local paper or posted publicly online. 

Credit Score

Most individuals considering filing for bankruptcy are facing maxed our credit cards and collections. Bankruptcy provides a fresh start! A discharge erases credit card balances, store cards and medical bills!

Within a year of discharge, and with good financial management, your credit score will be better than before you filed!

Student Loans

Student Loans are not dischargeable through bankruptcy

Chapter 13: Frequently Asked Questions

Where should I mail my Chapter 13 payments?

Please mail Chapter 13 payments to:
Charles J. DeHart, III, Trustee
P.O. Box 7005
Lancaster, PA 17604  

Pay electronically

How do I monitor my Chapter 13 payments?

Please visit Select Charles DeHart. You can access only your case by entering your case number (Example:(yy-nnnnn)) as the user id & the last 4 digits of your Social Security Number as your password. 

I was not in arrears when I filed my case, why does my plan include a past due payment?

Depending on when your case is filed, your mortgage company and auto lien holder will file a Proof of Claim that factors in all payments up to the filing date. If they did not yet receive this month’s payment they will include an arrearage amount that must be factored in your chapter 13 plan. 

I have not yet received a letter from the Chapter 13 Trustee, what should I do?

Download your case instructions from the Chapter 13 Trustee, Charles J. DeHart, III.