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When Should You File For Bankruptcy ?

May 04, 2020 By: Michael A. Cibik

Some of the questions you will likely ask yourself before deciding to file bankruptcy include: How much do you owe on your credit cards and are you only making minimum payments? Are you using credit cards wisely or using them to pay for necessities? Do you feel like your finances are out of your control?…

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Can I Keep My Tax Refund After Filing Chapter 7?

Apr 27, 2020 By: Michael A. Cibik

Your tax refund is based on money that you’ve over-paid in taxes throughout the course of the calendar year. As you reach the end of the year, you’d like to get as much of that money back as possible. Unfortunately, if you’ve filed for bankruptcy, you may find yourself wondering if you can keep any…

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The Three Main Types Of Consumer Debt

Mar 31, 2020 By: Michael A. Cibik

Americans are drowning in debt. In November 2019, American consumer debt climbed to $4.17 trillion. That’s trillion with a T–twelve zeros. Chances are pretty good that you’re one of those Americans, with credit cards, a mortgage, and a car payment or two. And that’s okay–in lots of ways, debt is good for our economy. The…

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https://philadelphiabankruptcylawyers.com/what-assets-can-you-keep-in-chapter-7-bankruptcy/

What Assets Can You Keep in Chapter 7 Bankruptcy?

Mar 20, 2020 By: Michael A. Cibik

Financial pressure can sometimes take a toll on daily life. When you can’t get a handle on your finances, starting over may be necessary to reach the road of financial recovery. For some people, filing bankruptcy is an ideal solution. Bankruptcy is a process in which individuals who cannot repay debts to their creditors seek…

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The 10 Most Common Reasons People File for Bankruptcy

Feb 13, 2020 By: Michael A. Cibik

Bankruptcy is nothing to be ashamed of. Many people find themselves on the brink of bankruptcy through no fault of their own. Bankruptcy can affect any person regardless of age, race, education level, and background. You are not alone – many people have been in your shoes and gotten a fresh start. Here are the…

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understanding the repossession laws in PA

Understanding the Repossession Laws in Pennsylvania

Jan 20, 2020 By: Michael A. Cibik

Here at Cibik & Cataldo, we want our clients and those who need answers to their questions, to understand, in layman’s terms, what is going on in their lives. That’s why we work diligently to make what can be quite confusing as understandable as possible. The laws concerning repossession are exceptionally complicated in some cases….

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