Our Attorneys & Staff
OWNER & MANAGING ATTORNEY
Michael A. Cibik has been certified as a consumer bankruptcy specialist by the American Board of Certification for 23 consecutive years. Mr. Cibik was in the first class of just 88 attorneys certified nationwide by the organization in 1992, a remarkable accomplishment.
Board certification is the mark of a true insolvency professional. To become certified, Mr. Cibik passed a comprehensive examination and satisfied extensive practice, substantial involvement, educational and peer review requirements. In addition, Mr. Cibik has maintained considerable continuing legal education hours in the specialty area of bankruptcy.
However, bankruptcy isn’t just Mr. Cibik’s specialty; it is all he does. This is what sets him apart from other Philadelphia attorneys. When preparing for an upcoming bankruptcy case, you will want Mr. Cibik’s extensive knowledge in the field of debt consolidation on your side. If you need to look at filing a chapter 13 bankruptcy or a chapter 7 bankruptcy in Philadelphia, Cibik Law is your one and only call!
If you would like to learn more about Mr. Cibik’s experience, feel free to read testimonials to see what some of his many satisfied clients are saying.
If you or someone you know in Philadelphia, Pennsylvania, or within the surrounding cities and counties of Pennsylvania, is considering filing for bankruptcy, Michael A. Cibik is just the attorney to help. Mr. Cibik will offer you honest legal counsel in debt consolidation and help you file if you decide to do so. Don’t wait, call Cibik Law, P.C. today at (215) 735-1060 to schedule a consultation with an experienced Philadelphia debt-relief lawyer.
E.J. GRUBER
DEPUTY ATTORNEY
Edward “EJ” Gruber brings a strong background in legal support and client services to his role as deputy attorney at Cibik Law, P.C. With several years of experience focused on bankruptcy law, EJ has developed a deep understanding of chapter 7 bankruptcy filings and chapter 13 bankruptcy filings, court procedures, and the practical needs of clients facing financial distress.
Prior to joining Cibik Law, EJ worked in various legal support roles where he honed his skills in case management, document preparation, and direct client communication. His experience allows him to anticipate the needs of both attorneys and clients, making him a vital part of the firm’s day-to-day operations.
At Cibik Law, EJ is responsible for preparing and organizing bankruptcy petitions, managing case files, coordinating with courts and trustees, and ensuring that each client receives timely and compassionate support. His calm, professional demeanor and attention to detail make him a trusted resource for clients navigating the complexities of bankruptcy.
EJ’s background in legal support, combined with his commitment to helping people through difficult times, aligns perfectly with Cibik Law’s mission to provide knowledgeable and empathetic legal representation.
ERIKA RIVERA-OSORIO
ASSOCIATE ATTORNEY
Erika Rivera joins Cibik Law, P.C. as an Associate Attorney, bringing a strong foundation in legal research, writing, and client advocacy. With a focus on bankruptcy law, Erika is dedicated to helping individuals and families find financial relief and regain control of their futures.
Before joining Cibik Law, Erika gained experience in both private practice and public interest roles, where she refined her skills in legal analysis, case strategy, and compassionate client communication. Her background allows her to approach each case with diligence, empathy, and a clear understanding of the challenges clients face.
At Cibik Law, Erika works closely with clients throughout the bankruptcy process, from initial consultation to case resolution. She is involved in preparing filings, analyzing financial documents, developing legal strategies, and representing clients in court proceedings. Erika’s thoughtful approach and strong work ethic make her a valuable member of the Cibik team.
Erika is committed to providing clear, supportive guidance during difficult times and is proud to be part of a firm that prioritizes both legal excellence and client care.
MELODYE SIGNIL
PARALEGAL
Melodye Signil brings a unique blend of empathy, financial insight, and client advocacy to her role as a paralegal at Cibik Law, P.C. With a strong foundation in financial coaching and consumer rights, she is passionate about helping individuals navigate financial hardship and achieve a fresh start.
Before joining Cibik Law, Melodye worked extensively as a financial coach, guiding individuals through bankruptcy recovery and helping them rebuild their financial lives. She led the “Empowered to Prosper” program, where she taught practical strategies for credit restoration, budgeting, and long-term financial stability – skills that now enhance her support for bankruptcy clients.
In her paralegal role, Melodye assists attorneys with case preparation, document review, and client communication throughout the bankruptcy process. Her coaching background allows her to offer compassionate, clear, and empowering guidance to clients facing complex financial decisions.
Melodye’s belief that everyone deserves a second chance aligns closely with Cibik Law’s mission. Her attention to detail, client-centered approach, and deep understanding of financial challenges make her a valued member of the firm’s legal team.
IESHA REID
SENIOR PARALEGAL
TYLER BOWSER
LEGAL ASSISTANT
BRANDON BOWSER
LEGAL ASSISTANT
