Philadelphia Bankruptcy Lawyers

Our Services

Mortgage Foreclosure

Are you facing the loss of your home due to unpaid mortgage payments? The team at Cibik & Cataldo can guide you through a mortgage foreclosure with compassion and understanding. Our bankruptcy lawyers have vast foreclosure experience and expert knowledge to help you through every step along the way.

Debt Relief

If your debt is relatively low, you may qualify for a debt relief order. Cibik & Cataldo bankruptcy attorneys have worked in bankruptcy and debt relief for over 20 years, so we can help clients figure out if debt relief is the right path for them. Contact Cibik & Cataldo for a free consultation to discuss your debt relief options.

Medical Debt

Millions of Americans are facing medical debt. Even those with health insurance can face serious medical debt after an injury, unforeseen illness, or hospital stays. The team at Cibik & Cataldo has handled countless cases of medical debt, so we can help find the best solution for your situation. Contact us to discuss your options for relieving medical debt.

Business Bankruptcy

If your business is in trouble, filing for business bankruptcy may help you restructure your debt and keep your business alive. Our expert bankruptcy lawyers can help you find the best solution for your business and your personal finances, whether it’s chapter 11, chapter 13, or chapter 7 bankruptcy. Contact us to discuss your business bankruptcy options.

Michael A. Cibik, Esq. Philadelphia

Michael A. Cibik, Esq.

Michael A. Cibik has been certified as a consumer bankruptcy specialist by the American Board of Certification for 23 consecutive years. Mr. Cibik was in the first class of just 88 attorneys certified nationwide by the organization in 1992, a remarkable accomplishment.

Board certification is the mark of a true insolvency professional. To become certified, Mr. Cibik passed a comprehensive examination and satisfied extensive practice, substantial involvement, educational and peer review requirements. In addition, Mr. Cibik has maintained considerable continuing legal education hours in the specialty area of bankruptcy.

Michael A. Cataldo, Esq.

When choosing a law firm, we think it’s safe to say everyone knows that experience matters. Luckily for those in the Philadelphia area, that’s not a problem. Michael A. Cataldo has personally handled over 10,000 bankruptcy cases. His experience dates back to his time in law school when he became student certified to appear in bankruptcy court and even then handled a daily court list.

In an attempt to briefly sum up his impressive background – Mr. Cataldo began his career with Michael Cibik as a law clerk in 1985, became an associate attorney in 1987, and has been a partner at Cibik & Cataldo since 1996.

Michael A. Cataldo, Esq. Philadelphia

Trusted Philadelphia Bankruptcy Attorneys

For 35 years, Philadelphia bankruptcy lawyers, Cibik & Cataldo, P.C., has provided superior, cost-efficient, and value-oriented bankruptcy legal services in a compassionate and respectful manner to thousands of clients in Philadelphia and surrounding areas.

Cibik & Cataldo Can Help with Bankruptcy in Philadelphia

Bankruptcy Attorneys Michael A. Cibik, Esq. and Michael A. Cataldo, Esq. are both certified by the American Bankruptcy Certification Board and have filed well in excess of 20,000 personal bankruptcies. ABC Certification provides an objective standard that assists the public in making informed decisions when choosing counsel on financial and bankruptcy matters. Additionally, ABC certification encourages bankruptcy attorneys to strive toward excellence and recognizes those attorneys who have met ABC’s rigorous legal standards.

Filing Bankruptcy in Philadelphia

Filing bankruptcy in Philadelphia can save you money and a lot of stress in the long run if you make the right decision. In Philadelphia, typically you have to decide whether to file for Chapter 7 or Chapter 13 bankruptcy. However, a bankruptcy filing does not just involve signing papers.  There are steps, processes, and filing fees you have to adhere to before filing your claim and declaring bankruptcy. A trusted bankruptcy attorney can help you along the way to ensure the best possible results during the bankruptcy process.

Top Rated Philadelphia Bankruptcy Attorney

The bankruptcy law firm of Cibik & Cataldo, P.C., is fully-staffed, located in Center City Philadelphia, and concentrates solely on consumer and business bankruptcy matters. The Firm does not represent banks, finance companies or insurance companies: only individuals, small business owners, and their claims.

Foreclosure Defense

There are many reasons why homeowners are facing a foreclosure, such as an illness, divorce or job loss. At Cibik & Cataldo, we can provide the help your need in the form of a bankruptcy to stop the foreclosure process. Whether you are filing for a Chapter 7 or a Chapter 13, we can save your home. The thought of losing the home you have worked so hard for is stressful.

Contact our Philadelphia Bankruptcy Specialists Today!

If you are looking for the best bankruptcy lawyers in the Philadelphia area, Cibiki & Cataldo are the right choice for your case.  Financial freedom is just one call away.  Time is of the essence with cases involving foreclosure and other debts, so don’t hesitate.

Contact our Philadelphia law offices today for a free consultation.

Bankruptcy Law Awards/Associations

Bankruptcy has different types of filing. If you are an individual, we will be talking to you mostly about chapter 7 and chapter 13. If you are a corporation going out of existence, we would be discussing a chapter 7. Corporations that wish to maintain the business and not close, file chapter 11 for debt relief. Every situation and case is different. A chapter 7 or chapter 13 for you could mean something very different from stories you heard from relatives and friends. We avoid telephone appointments as the analysis needed is detailed and involved and must be looked at in the entire scheme of things. The decision about what will happen depends on your marital status, income and expenses, household size, assets and equity in assets, how the assets are held and types of debt and when incurred.

Do not listen to those creditors who tell you the laws changed and cannot file. Do not listen to creditors who tell you that you will never get credit again or that you will lose everything if you file bankruptcy. These are collection practices and are usually false. Do not listen to people you know about what will happen as their situation is different than your situation. Do not think that you make too much or that you have assets you will lose. Bankruptcy protections and exemptions are powerful, and in Pennsylvania, married couples have the additional option of electing state exemptions protecting marital assets when the debt is just the debt of one of the spouses.

Client Reviews

Prompt, courteous, and professional legal services.

Prompt, courteous, and professional legal services. They helped me understand my financial situation and the bankruptcy options from the start with a free consultation.


    The bankruptcy lawyers at Cibik and Cataldo will put you at ease,

    The bankruptcy lawyers at Cibik and Cataldo will put you at ease, when it may not be an easy time. Put your trust in this Philadelphia firm to help you, guide you and give you all the advice you will need to make a difficult situation so much better. And they see it through to the end. They are very professional and explain everything to you so its understandable. No question is a bother to them. Give them a call you will be happy you did.

    JOANN T.

      My experience with attorneys Cibik & Cataldo was excellent.

      My experience with attorneys Cibik & Cataldo was excellent. From the start to the finish they were helpful, quick, and competent, and got me the results I needed to move forward financially

      RICARD S

        Thanks to them I am now into a good career of life

        I can't give them any more stars to rate them because they are an amazing firm they helped me through my bankruptcy got me through it gave me referred lawyers for other issues I had and thanks to them I am now into a good career of life and had no worries I can say this man is truly a blessing I was not very thoughtful about lawyers but I think this man and this firm has changed my life thank you for for any recommendations don't look no farther you already found them

        ANA S.

          Cibik helped me get my life back together

          Went thru bad divorce, a lot of bills and lease was in my name. Mr. Cibik helped me get my life back together with my credit and financially These lawyers were a real lifesaver.

          PAUL L.

            Everyone is so professional & courteous.

            This Law office has helped me a great deal ! I would definitely go back & recommend anyone that needs help to go here ! Everything was so clean, up to date with technology! Everyone is so professional & courteous. Thank you so much for all you do.

            AMY O.

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              Bankruptcy Law Awards/Associations

              We are a debt relief agency that helps people
              seek bankruptcy protection under federal law