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Bankruptcy Blog - Cibik & Cataldo, P.C.

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After Bankruptcy Filing, Beware of Phony Debt Collectors Who Threaten Arrest

Oct 09, 2018 By: Mike Cibik

Michael A. Cibik, Esq. writes a regular column titled “Understanding Bankruptcy” that appears in the Philly Record. This is that column. QUESTION: After filing for bankruptcy, should I be concerned about debt collectors who call and threaten arrest? Folks frequently come in to talk about bankruptcy and are very concerned that an arrest warrant may be issued as…

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What Is A Debt Relief Agency In Bankruptcy Reform Law?

Sep 14, 2018 By: Mike Cibik

Michael A. Cibik, Esq. writes a regular column titled “Understanding Bankruptcy” that appears in the Philly Record. This is that column. The term debt relief agency appears in a legal context for the first time in bankruptcy law in the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 [The Act]. The first chapter of this new bankruptcy…

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Check out our New Video

Sep 07, 2018 By: Mike Cibik

 Check out the new video created for Philadelphia’s top Bankruptcy Lawyers, Cibik & Cataldo!

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How Do Bankruptcy Exemptions Make the System Work?

Aug 31, 2018 By: Mike Cibik

QUESTION:   How Do Bankruptcy Exemptions Make the System Work? When a bankruptcy is filed, the debtor can keep anything that is “exempt.” That always includes household goods and personal effects, and, most of the time, provides a homestead exemption that protects the debtor’s home. But why? Actually, bankruptcy exemptions are absolutely necessary to a fair…

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Pennsylvania Medical Bankruptcy: When to File Due to Medical Debt

Aug 14, 2018 By: Mike Cibik

  Pennsylvania Medical Bankruptcy: When to File Due to Medical Debt   No one plans to get sick or get into a debilitating accident. We pay exorbitant amounts for health insurance and health care costs for such events. Depending on the health plan you have, it might only cover a fraction of the medical costs…

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Top Facts You Need to Know About Chapter 13 Bankruptcy

Aug 07, 2018 By: Mike Cibik

  Liquidation is one of the biggest fears of individuals who are facing overwhelming debts. Chapter 7 bankruptcy is achieved through total liquidation of an individual’s assets. Instead of facing liquidation, many debtors decide to set up a repayment plan that reduces their payments into something that fits their debt to income ratio. This is…

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