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Alimony, Child Support, and Bankruptcy: What You Need to Know in Washington, PA

MoodyLawOffices

Jul 22, 2025

Introduction

If you’re considering bankruptcy in Washington, PA, and have obligations like alimony or child support, it’s important to understand how these debts are treated under bankruptcy law. While bankruptcy can offer a fresh financial start, it does not wipe away all types of debt—especially domestic support obligations. Here’s what individuals in Washington County need to know when it comes to bankruptcy, child support, and alimony.

How Bankruptcy Affects Alimony and Child Support in Pennsylvania

In both Chapter 7 and Chapter 13 bankruptcy, child support and alimony are considered priority debts. This means they are not dischargeable and must continue to be paid even during and after bankruptcy proceedings.

  • Child support is a court-ordered obligation to provide financial support for a minor child.
  • Alimony, also called spousal support or maintenance, is typically awarded during or after a divorce to help one spouse maintain financial stability.

Under the U.S. Bankruptcy Code, these obligations fall under what’s called Domestic Support Obligations (DSOs) and are not dischargeable in any type of bankruptcy.

Chapter 7 Bankruptcy and Support Obligations

If you file for Chapter 7 bankruptcy in Washington, PA, your non-exempt assets may be liquidated to pay off creditors. However:

  • You will still be required to make regular child support and alimony payments.
  • If you are behind on these payments, the person owed (your ex-spouse or child’s guardian) can continue collection efforts, even while the bankruptcy case is open.
  • Bankruptcy will not stop wage garnishments related to support payments.

Chapter 13 Bankruptcy and Support Obligations

Chapter 13 bankruptcy allows debtors to create a repayment plan to manage debts over three to five years. While you still can’t discharge child support or alimony, Chapter 13 offers a way to catch up:

  • Back payments for child support or alimony can be included in your repayment plan.
  • You must stay current on ongoing support obligations during the entire plan.
  • If you miss payments, your case could be dismissed or converted to Chapter 7.

Pennsylvania Law and Domestic Support in Bankruptcy

In Pennsylvania, including Washington, PA, the enforcement of child support and alimony is governed by both state and federal laws. The Pennsylvania Domestic Relations Section can take action against individuals who fall behind on support, including:

  • Garnishing wages
  • Seizing tax refunds
  • Suspending driver’s licenses
  • Filing contempt of court charges

These enforcement actions are typically not stopped by a bankruptcy filing.

Can Bankruptcy Help with Other Divorce-Related Debts?

While child support and alimony cannot be discharged, some debts related to divorce may be eligible for discharge under Chapter 13. For example:

  • Property settlement debts (like paying off a joint credit card or taking over a car loan) may be discharged in Chapter 13.
  • However, they are not dischargeable in Chapter 7.

It’s essential to work with a bankruptcy lawyer in Washington, PA, who understands the nuances between different types of divorce-related debt.

Why You Need a Bankruptcy Attorney in Washington, PA

If you’re struggling to keep up with your support obligations and other debts, bankruptcy may offer a structured path forward. However, it’s critical to:

  • Avoid missteps that could cost you your case
  • Protect your rights and financial future
  • Develop a legal strategy that aligns with Pennsylvania family law and federal bankruptcy laws

A skilled Washington PA bankruptcy lawyer can help you understand your options, whether you’re behind on child support, alimony, or facing pressure from creditors.

Conclusion

Navigating bankruptcy, child support, and alimony is complex—especially under the laws in Washington, PA. While bankruptcy offers powerful tools to reduce or reorganize certain debts, domestic support obligations remain protectedand must be paid. If you’re facing financial challenges and want to protect your family and future, consult with a knowledgeable bankruptcy attorney to guide you through your options.

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