Sell Your House During Bankruptcy in Pennsylvania
Bankruptcy is overwhelming, but your house doesn’t have to be part of the problem. We buy homes during Chapter 7 and Chapter 13 proceedings across PA — working directly with your trustee and attorney to make the sale happen.
Get Your Fair Cash Offer
No repairs. No commissions. No fees. Close on your timeline.
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How Bankruptcy Affects Your Home in PA
When you file for bankruptcy in Pennsylvania, an automatic stay goes into effect that temporarily stops creditors — including your mortgage company — from taking collection action. But the stay doesn’t eliminate the debt, and depending on whether you file Chapter 7 or Chapter 13, your home’s fate can vary dramatically.
In Chapter 7, the bankruptcy trustee can sell non-exempt assets to pay creditors. Pennsylvania allows a homestead exemption, but it’s limited. If your equity exceeds the exemption, the trustee may force a sale — often at a price that prioritizes speed over value. In Chapter 13, you keep the home but must make all mortgage payments on time while also funding your repayment plan, which many people find unsustainable.
What many homeowners don’t realize is that selling the home voluntarily — with court and trustee approval — often yields a better outcome than either forced liquidation or struggling to keep up with Chapter 13 payments. A voluntary sale lets you control the timing, maximize the price, and potentially retain more of your exempt equity.
How We Help You Move Forward
A clear, simple process designed around your situation.
Bankruptcy-Aware Consultation
We’ve worked with homeowners in both Chapter 7 and Chapter 13. We review your situation, understand the court’s requirements, and identify the best path forward.
Court-Approvable Cash Offer
We make a fair market cash offer that the trustee and court can approve. Our offers are transparent and well-documented, which speeds up the approval process.
Coordinate with Your Legal Team
We work directly with your bankruptcy attorney and the trustee to handle the motion to sell, court approval, and all required documentation. You don’t navigate this alone.
Close and Simplify Your Case
Once the court approves the sale, we close quickly. The proceeds are distributed according to the bankruptcy plan, and you’re one step closer to a fresh start.
Frequently Asked Questions
Can I sell my house while in active bankruptcy?
Will I keep any money from the sale?
How long does court approval take?
What if I'm behind on mortgage payments?
What Pennsylvania Sellers Say
4.9★ across 76 Google reviews. Real sellers. Real results.
“Filing Chapter 7 was the hardest decision I’ve ever made. They made selling the house the easiest part. Worked with my lawyer, got court approval, and closed without stress.”
Robert C.
Carbondale, PA
“My Chapter 13 payments were drowning me. Selling the house let me restructure my plan and actually start recovering financially.”
Angela M.
Hazleton, PA
We Help With Other Situations Too
Whatever life throws at you, we have a solution.
Take Control of Your Fresh Start
Selling your home during bankruptcy can simplify your case and protect your equity. Call us for a confidential consultation — we’ll work with your attorney every step of the way.