The Census Bureau reports that in Pennsylvania, about 70% of residents are homeowners, while another 20% are renters. Among these many renters, some will file for Chapter 13 or Chapter 7. But could filing for bankruptcy cause you to be evicted? What sort of rights do you have as a tenant?
The Automatic Stay Can Delay Eviction, But Your Landlord Can Request a Lift on the Stay
The short answer to the question of whether or not you can be evicted because of bankruptcy is that it depends. More specifically, it depends largely on whether you filed before or after your landlord obtained an eviction judgment. (A judgment is a document which details the court’s final decision on a legal matter.)
This is due to something called the automatic stay, which places a freeze on any collection actions by creditors from the moment a debtor files for consumer bankruptcy. The stay extends to landlords, meaning that if you are behind on rent but have already filed, your landlord will not be able to initiate the eviction process.