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What Kind of People Get Rid of Debts When They File for Bankruptcy?

many different people standing together


By:Mike Cibik


What Kind of People Get Rid of Debts When They File for Bankruptcy?

My office focuses on consumer bankruptcy. As an attorney in an urban community, I am often asked about my clients and how folks can just walk away from debts. I am asked how I can sleep at night, knowing I have assisted folks with getting rid of creditors. My answer is:  “I sleep quite well, thank you!” and “the kinds of people you work for, work with, go to church with, marry, all kinds of people file bankruptcy.”


There are many articles about celebrities who have filed for bankruptcy, and many articles on this site about famous folks who have filed for bankruptcy protection. But, for every celebrity, there are many other folks who live quiet lives of desperation, who worry about what will happen when the bankruptcy petition is filed, whether they should file a Chapter 13 or a Chapter 7, or the bigger question: How they will pay for the process. Who are they?


Recently, I met with a couple who cleared six figures – but their child had been life-flighted to a major urban area twice for specialized care at a children’s hospital. Their insurance wouldn’t cover an $80,000 life-flight bill. And they had no hope of paying for it, as one parent had to now stay home to care for the child, and there would be continued weekly trips back to the urban center for treatment.


Also recently, I met with an 80-year old woman whose social security was being administratively garnished by a government agency and who was left with approximately $890 to pay her rent, food, utilities, and medications not covered by Medicare. Not surprisingly, she lost her apartment. Did the garnishing government agency care?  Nope.


I see folks from all walks of life – the line worker to the president of the company to the manager. None of them are happy to see me or want to be in my office.


The team at Cibik & Cataldo P.C., are here for you in your time of need. If you or someone you know is having financial problems, stop worrying and call Mike Cibik at (215) 735-1060 for a free consultation.


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seek bankruptcy protection under federal law