Middle District of Pennsylvania Bankruptcy Trustee Directory (2026)
The Middle District of Pennsylvania operates through offices in Harrisburg and Wilkes‑Barre under the supervision of the United States Trustee Program for Region 3. Trustees appointed within this district administer Chapter 7 and Chapter 13 cases, ensuring compliance with all provisions of the Bankruptcy Code.
In practice, Middle District trustees review the debtor’s financial disclosures such as bank statements, tax returns, credit reports, and conduct the Section 341 Meeting of Creditors. In Chapter 13 cases, the standing trustee handles confirmation hearings as well as plan compliance and the distribution of funds to secured and unsecured creditors.
By Alexander Hernandez, J.D., Professor, and Author of Consumer Bankruptcy Law (Routledge).
Key Takeaways: Middle District of Pennsylvania Bankruptcy Trustees
- Bankruptcy District: Pennsylvania is divided into three districts: the Eastern, Middle, and Western Districts, with the Middle District focusing on the Harrisburg, Wilkes-Barre, and Williamsport area.
- Chapter 7 Bankruptcy: Chapter 7 trustees examine the debtor’s financial disclosures, administer any non‑exempt assets that must be liquidated, and conduct the Section 341 Meeting of Creditors.
- Chapter 13 Bankruptcy: The standing Chapter 13 trustee reviews proposed repayment plans, conducts the Section 341 Meeting of Creditors, Confirmation Hearings, and supervises plan payments and disbursement to creditors.
Bankruptcy Trustees in the Middle District of Pennsylvania
The Middle District of Pennsylvania operates through two division offices, and your county of residence determines where your case is filed and which Chapter 7 or Chapter 13 trustees will administer your estate.
The Middle District of Pennsylvania has two primary divisions: the Harrisburg Division and the Wilkes‑Barre Division. Your county of residence determines where you file your bankruptcy petition and which judge will oversee your case.
Harrisburg Division Office
The Harrisburg Office is located at the Ronald Reagan Federal Building, 228 Walnut Street, Room 320, Harrisburg, Pennsylvania 17101. The following counties are served by the Harrisburg Division: Adams, Cumberland, Dauphin, Franklin, Fulton, Huntingdon, Juniata, Lebanon, Mifflin, Perry, and York.
Wilkes-Barre Division
The Wilkes-Barre Division is located at Max Rosenn U.S. Courthouse, 197 South Main Street, Room 150, Wilkes‑Barre, Pennsylvania 18701.
The following counties fall under the jurisdiction of the Wilkes-Barre Division: Bradford, Carbon, Clinton, Columbia, Lackawanna, Luzerne, Lycoming, Monroe, Montour, Northumberland, Pike, Potter, Schuylkill, Snyder, Sullivan, Susquehanna, Tioga, Union, Wayne, and Wyoming.
All hearings for cases assigned to Williamsport are heard in Wilkes-Barre.
Chapter 7 Bankruptcy Trustees
Chapter 7 trustees in Pennsylvania administer bankruptcy estates pursuant to 11 U.S.C. §704(a), which tasks them with reviewing the debtor’s schedules and statements, examining the debtor under oath at the Section 341 Meeting of Creditors, and identifying any non‑exempt assets that may be liquidated for the benefit of creditors.
Soon after the petition is filed, trustees request financial documents such as tax returns, pay stubs, bank statements, and other financial records such as appraisals on vehicles to confirm the accuracy of the petition. When these documents are not provided, the trustee may continue the 341 Meeting or seek dismissal under §521(a)(3)–(4) for failure to cooperate.
Below is a summary of annual bankruptcy filings across the Middle District from 2023 through 2025 that are handled by the Chapter 7 and 13 trustees.
| Year | Chapter 7 Filings | Chapter 13 Filings | Total Amount |
| 2025 | 1,975 | 1,769 | 3,744 |
| 2024 | 1,745 | 1,691 | 3,436 |
| 2023 | 1,532 | 1,456 | 2,988 |
Below are the Chapter 7 trustees for the Middle District of Pennsylvania:
| Trustee Name | Address | Contact Information |
| Steven M. Carr | 119 East Market Street, York, PA 17401 | Phone: (717) 843-8968 E-mail: Carr20@aol.com |
| Jill E. Durkin | 401 Marshbrook Road, Factoryville, PA 18419 | Phone: (570) 881-4158 E-mail: jilldurkinesq@gmail.com |
| Lawrence G. Frank | 100 Aspen Drive, Dillsburg, PA 17019 | Phone: (717) 234-7455 E-mail: lawrencegfrank@gmail.com |
| Kara K. Gendron | 125 State Street, Harrisburg, PA 17101 | Phone: (717) 232-6650 E-mail: kara.gendron@mottgendronlaw.com |
| Leon P. Haller | 1719 North Front Street, Harrisburg, PA 17102 | Phone: (717) 234-4178 E-mail: lhaller@pkh.com |
| John J. Martin | 1022 Court Street, Honesdale, PA 18431 | Phone: (570) 253-6899 E-mail: jmartin@martin-law.net |
| Lisa A. Rynard | 240 Broad Street, Montoursville, PA 17754 | Phone: (570) 505-3289 E-mail: larynard@larynardlaw.com |
| Lawrence V. Young | 135 North George Street, York, PA 17401 | Phone: (717) 848-4900 E-mail: lyoung@cgalaw.com |
Chapter 13 Standing Trustee
Chapter 13 trustees in Pennsylvania administer cases under Sections 1302 and 1326, which require them to review the debtor’s financial disclosures, question the debtor under oath at the Section 341 Meeting of Creditors, and assess proposed repayment plans for feasibility and compliance with the Code.
Following these initial evaluations, the trustee participates in confirmation proceedings under §1324, oversees the collection and distribution of monthly plan payments, and monitors the case throughout the life of the plan. Their administration continues until the debtor completes all required payments or the case is dismissed.
Below is the contact information for the Chapter 13 trustee:
| Trustee Name | Address | Contact Information |
| Jack N. Zaharopoulos | 8125 Adams Drive, Hummelstown, PA 17036 | Phone: (717) 566-6097 E-mail: jackz@pamd13trustee.com |
Conclusion
Understanding the Middle District of Pennsylvania court system and how trustees oversee Chapter 7 and 13 cases is an important part of handling the bankruptcy process. Whether you proceed under Chapter 7 or Chapter 13, staying responsive to document requests and maintaining clear communication with the trustee are key to moving your case toward discharge.
Preparing for your Section 341 Meeting of Creditors, submitting financial records promptly, and ensuring that your schedules and statements are accurate all help the trustee complete their review efficiently and reduce the likelihood of delays or dismissal.
Professor Hernandez is an attorney specializing in consumer finance and debt relief. He is the author of Consumer Bankruptcy Law (Routledge) and teaches law and finance courses in both English and Spanish at an international university.
Educational Resources
- For Institutions: Colleges and universities may request examination copies of my textbook directly from Routledge Publishing.
- For Students & Practitioners: Single print and digital copies are available via Amazon Books.
- Video Lectures: Stream comprehensive legal breakdowns and video explanations on the Bankruptcy.blog YouTube Channel.
Bankruptcy Court & Consumer Resources
Explore additional consumer guides and state-specific directories to navigate your legal options:
- A step-by-step master guide to completing and understanding the bankruptcy petition.
- Bankruptcy Court Directory: Full listings for the federal bankruptcy court system and trustee contact information.
- State Bankruptcy Exemptions: Review your state‑specific exemptions or compare them with the federal exemptions.
- 341 Meeting Procedures: Prepare for your court date with updated rules, expectations, and practical guidance.
Please note that the information on this site does not constitute legal advice and should be considered for informational purposes only.
Bankruptcy Code Statutory References
- 11 U.S. Code §341 – Meetings of creditors and equity security holders.
- 11 U.S. Code §704 – Duties of trustee.
- 11 U.S. Code §521 – Debtor’s duties.
- 11 U.S. Code §1302 – Trustee.
- 11 U.S. Code §1326 – Payments.
- 11 U.S. Code §1324 – Confirmation hearing.
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