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Blog - Cibik & Cataldo, P.C.

sign in a field of grass that says "chapter 13"

Bankruptcy Lawyers: The Benefits of Filing for Chapter 13 Bankruptcy

Jun 11, 2018 By: Mike Cibik

  When facing a debt(s) that has spiraled out of control, filing for bankruptcy may be the only option. Bankruptcy has become a shameful word. At Cibik & Cataldo, we feel it shouldn’t be; it’s just a financial solution. We are not saying it should be abused, but it makes life a lot easier, and…

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woman sitting at table working on finances

Understanding Bankruptcy and Which Chapter is Better for Credit Score

Jun 04, 2018 By: Mike Cibik

Let’s be honest. No one wants to declare bankruptcy of any kind, whether it’s a Chapter 7 or 13. We try to control our finances, but life happens. When the only solution is bankruptcy, it’s important that you understand bankruptcy, including how it affects your credit report. In the past 20 years, filing for bankruptcy…

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dollar sign frozen in an ice cube

Philadelphia Bankruptcy Attorney: What Exactly is a Credit Freeze?

May 28, 2018 By: Mike Cibik

  At the Equifax credit reporting agency, a data breach has left many Americans feeling insecure and vulnerable. If you are wondering what the breach was about then you would be shocked to know that millions of Americans had their sensitive information like their social security numbers, date of birth, credit card numbers and in…

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income tax refund from the irs sitting on desk

If You File for Bankruptcy Can You Pay Off Debt with Your Tax Refund

May 21, 2018 By: admin@lawer

  If You File for Bankruptcy Can You Pay Off Debt with Your Tax Refund   A sudden income or monetary gain from any source is always a matter of relief for the receiver. However, if a person has been going through considerable financial crisis leading him/her to be in subsequent debt, this gain can…

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really bad credit report on a table

Bankruptcy Lawyers: How Long Will Bankruptcy Stay on Credit Reports?

May 14, 2018 By: Mike Cibik

  Many people consider filing for bankruptcy if they struggle with debt and have financial difficulties. While bankruptcy may help you gain financial freedom, it is not a permanent solution. You may further face troubles in securing loan or credit due to the appearance of bankruptcy on your credit report. Hence, you may want to…

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close-up of court house showing "united states court house" on front

Bankruptcy Lawyer: Do I Have to Go to Court if I File for Bankruptcy?

May 08, 2018 By: Mike Cibik

  Tearing your hair apart when you find yourself drowning in debts is certainly not going to make the situation any better. You do have to take stock of your situation and try to get out of the legal wrangle as best as you can. One way to earn a respite in such a situation…

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

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