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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.

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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.


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 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.



Cibik & Cataldo: Philadelphia Bankruptcy Lawyers