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Blog - Cibik Law

Making financial commitments and incurring debts is a normal part of life for any ambitious person. These debts and financial obligations can become a burden for even the most successful people. When the burden becomes too heavy, smart people seek relief by filing for bankruptcy...

07 October, 2020 /

For years, small business debtors struggled to reorganize effectively after filing for Chapter 11 Bankruptcy. However, the signing into law of the Small Business Reorganization Act of 2019 (SBRA) aims to address some of these issues. SBRA (aka new Chapter 11v) will strike a balance...

21 September, 2020 /

Thousands of Pennsylvanians owe money to a bank, finance company, or creditor. The lender, when providing funds, often has a security interest in property owned by the borrower -- a phenomenon known as collateral. Having this security interest provides protection to the creditor in the event...

03 September, 2020 /
Sometimes, the best option you've got is to file for bankruptcy. In many cases, deciding to engage in bankruptcy quickly is a good decision in order to prevent wage garnishment, foreclosure, or repossession. This decision can help you keep more property and reduce the debt you owe.
31 August, 2020 /
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?
  • Are you being contacted by bill collectors on a regular basis?
  • Are you in danger of losing your home to foreclosure?
If your answer to one or more of these questions is yes, then the decision to file bankruptcy may be obvious. However, the challenge may be whether the timing of a bankruptcy filing is right. Timing matters in some cases because filing at the wrong time could mean you lose assets you might otherwise be able to keep, and because filing at the wrong time could hamper negotiations with creditors.
04 May, 2020 /

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,...

27 April, 2020 /

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...

31 March, 2020 /

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...

20 March, 2020 /
Cibik Law: Philadelphia Bankruptcy Lawyers