Cibik Law offers free, no-obligation bankruptcy consultations to residents of Philadelphia and the surrounding counties. During your free consultation, a board-certified bankruptcy specialist will review your financial situation, explain your options, and provide a clear recommendation for the best path forward. There is no pressure to file, and everything discussed during your consultation is confidential under attorney-client privilege.
Your free consultation at Cibik Law typically lasts 30 to 45 minutes and covers a thorough review of your financial circumstances. Our attorney will discuss your income, monthly expenses, outstanding debts, and any assets you want to protect. Based on this information, we will explain whether Chapter 7, Chapter 13, debt settlement, or another strategy provides the best outcome for your specific situation. You will leave the consultation with a clear understanding of your options and next steps, regardless of whether you decide to move forward with our firm.
Not all free bankruptcy consultations are created equal. At some firms, your consultation may be handled by a paralegal or intake specialist with limited legal knowledge. At Cibik Law, your consultation is conducted by an experienced bankruptcy attorney who can provide substantive legal advice from the very first meeting. Our lead attorney, Michael A. Cibik, Esq., holds board certification in consumer bankruptcy law from the American Board of Certification, a distinction held by fewer than three percent of bankruptcy attorneys nationwide.
Since 1987, Cibik Law has helped thousands of Philadelphia-area families eliminate debt and rebuild their financial lives. Our firm maintains a 5.0 rating across more than 260 client reviews, reflecting our commitment to compassionate, effective legal representation.
While you do not need to bring anything to your initial consultation, having some basic financial information available can help us provide more specific guidance. If possible, bring a recent pay stub or proof of income, a list of your debts with approximate balances, and your most recent tax return. If you do not have these documents readily available, that is perfectly fine. We can still provide a meaningful evaluation of your situation and advise on next steps.
Yes, your consultation is completely free with absolutely no obligation to hire our firm or file for bankruptcy. We believe that everyone facing financial difficulty deserves access to accurate legal information regardless of their ability to pay. Our goal during the consultation is to give you the knowledge you need to make an informed decision about your financial future. Many of our clients tell us that the consultation alone provided tremendous relief simply by learning that viable solutions exist.
Yes, Cibik Law offers free consultations in person at our Center City Philadelphia or King of Prussia offices, by telephone, and by video conference. We understand that scheduling can be challenging, especially if you are working multiple jobs or managing family responsibilities. Our flexible consultation options ensure that every Philadelphia-area resident can access quality bankruptcy advice regardless of their schedule or transportation situation.
Scheduling your free consultation is easy. You can call our office at 215-774-3916 during business hours (Monday through Friday, 9 AM to 7 PM), fill out the contact form on our website, or request a callback at a time that works for you. Most clients are able to schedule their consultation within a few business days of their initial contact. If you are facing an urgent situation such as an imminent wage garnishment, sheriff sale, or creditor lawsuit, let us know when you call and we will make every effort to accommodate you as quickly as possible.
Cibik Law maintains two convenient office locations to serve clients throughout the Philadelphia metropolitan area. Our Center City Philadelphia office is located in the heart of the city, easily accessible by car, SEPTA, and regional rail. Our King of Prussia office serves clients in Montgomery County, Chester County, and the western suburbs. Both offices are available for in-person free consultations by appointment.
Take the first step toward financial freedom today. Call Cibik Law at 215-774-3916 to schedule your free bankruptcy consultation.
Contact Us Today For A FREE CONSULTATION
