Facing financial difficulties can be overwhelming, but seeking professional legal help can provide a path forward.
When dealing with bankruptcy in Philadelphia, finding the right attorney is crucial to navigate the complex legal process and protect your interests.
The Law Offices of David M. Offen stand out as a top choice for bankruptcy representation in Philadelphia. With decades of experience and thousands of successful cases, you can trust their expertise to guide you through this challenging time.
Their dedicated team understands the intricacies of bankruptcy law and will work tirelessly to help you achieve the best possible outcome for your financial future.
1) David M. Offen, Esq.
When seeking bankruptcy assistance in Philadelphia, David M. Offen stands out as a highly experienced attorney.
With over 20 years of practice, he has helped more than 12,000 individuals and families navigate the complexities of bankruptcy law.
Attorney Offen is licensed to practice in Pennsylvania and New Jersey.
His expertise covers Chapter 7 and Chapter 13 bankruptcies, providing you with comprehensive options for debt relief.
You’ll benefit from Mr. Offen’s membership in the Eastern District of Pennsylvania Bankruptcy Conference and the National Association of Consumer Bankruptcy Attorneys.
These affiliations keep him up-to-date with the latest developments in bankruptcy law.
The Law Offices of David M. Offen focus on transforming your financial situation.
They understand that choosing to file for bankruptcy is a significant decision, and they’re committed to guiding you through every step of the process.
You can expect personalized attention to your case. Mr. Offen and his team will work diligently to help you turn your financial life around and get a fresh start.
If you’re facing mortgage foreclosure or overwhelming debt, David M. Offen’s extensive experience can be invaluable.
His firm offers free consultations, allowing you to discuss your situation and explore your options without any initial financial commitment.
2) Sadek and Cooper Law Offices
When facing financial difficulties, you need a reliable bankruptcy attorney by your side. Sadek and Cooper Law Offices offers experienced legal representation in Philadelphia.
The firm’s founder, Brad J. Sadek, is a passionate advocate for those in financial distress.
With a background in Political Science and Finance from Pennsylvania State University, he graduated from Rutgers School of Law in 2002.
Sadek and Cooper Law Offices has assisted thousands of clients in resolving their financial issues.
Their attorneys specialize in bankruptcy, debt relief, and mortgage foreclosure cases.
You’ll find their main office conveniently located in Center City Philadelphia.
It’s easily accessible, situated within three blocks of major public transportation lines, including the Broad Street Subway and Market-Frankford Line.
The firm has expanded over the years, now operating from five office locations in the Philadelphia area.
This growth allows them to serve a wider range of clients across the region.
When you work with Sadek and Cooper, you’ll receive personalized attention from experienced bankruptcy lawyers.
They strive to provide the best possible resolution for your financial situation.
Brad Sadek has been selected to Super Lawyers from 2022 to 2024, a testament to his skill and dedication in the field.
3) Cibik Law, P.C.
Cibik Law, P.C. is a trusted name in Philadelphia bankruptcy law.
With over 40 years of experience, this firm has helped thousands of clients find debt relief and financial freedom.
The firm is led by Michael A. Cibik, Esq., a highly rated bankruptcy attorney in Philadelphia.
His expertise and dedication to client service have earned him recognition as a Super Lawyer from 2021 to 2024.
At Cibik Law, you’ll find a team of experienced attorneys who take the time to understand your unique financial situation.
They provide personalized solutions to help you navigate the complexities of bankruptcy law.
The firm offers free consultations to assess your case.
You can expect compassionate and respectful treatment from their capable staff, who are committed to guiding you through the bankruptcy process.
Cibik Law specializes in both Chapter 7 and Chapter 13 bankruptcy filings.
They work diligently to help you find the most appropriate solution for your financial challenges.
Located in the heart of Philadelphia, Cibik Law is easily accessible.
Their attorneys are known for providing cost-efficient and value-oriented legal services to their clients.
When you choose Cibik Law, you’re opting for a firm with a proven track record of success.
Their commitment to client satisfaction is evident in the positive reviews and testimonials from those they’ve helped achieve financial stability.
4) Harold Shepley & Associates, LLC
Harold Shepley & Associates is a full-service debt relief law firm serving Pennsylvania.
They offer bankruptcy, debt negotiation, and foreclosure defense services to help you manage or eliminate your debt load.
The firm’s founder, Attorney Harold Shepley, brings a unique perspective to bankruptcy law.
He began practicing in this field after personally struggling with overwhelming debt, understanding firsthand the anxiety and stress it can cause.
Harold Shepley & Associates provides both Chapter 7 and Chapter 13 bankruptcy options.
Chapter 13 bankruptcy requires you to develop a payment plan to address past due debts for important property, such as your home or automobile.
If you have consistent income that disqualifies you from Chapter 7, Chapter 13 still offers protection from creditor collection activities.
It provides a way for you to pay some of your outstanding debt and discharge any remaining balance.
The firm is accredited by the Better Business Bureau and has received positive customer reviews.
Clients appreciate their professionalism and expertise in handling complex bankruptcy cases.
When you work with Harold Shepley & Associates, you benefit from their compassionate approach to debt relief.
They understand the emotional toll of financial struggles and strive to provide you with practical solutions tailored to your specific situation.
5) The Law Offices of David J. Cherwonyak, LLC
When facing financial difficulties, you may find comfort in the expertise offered by The Law Offices of David J. Cherwonyak, LLC.
This firm specializes in bankruptcy law and provides personalized guidance to clients in Philadelphia.
Attorney Cherwonyak brings years of experience to the table, helping individuals and businesses navigate the complexities of bankruptcy proceedings.
You can expect comprehensive support throughout the entire process, from initial consultation to case resolution.
The firm offers assistance with various types of bankruptcy, including Chapter 7 and Chapter 13.
They understand that each client’s situation is unique and tailor their approach accordingly.
You’ll benefit from clear communication and thorough explanations of your options.
The team at Cherwonyak’s office strives to make the bankruptcy process as stress-free as possible for their clients.
Their services extend beyond just filing paperwork.
They can help you understand the implications of bankruptcy on your credit, assets, and future financial stability.
You’ll receive advice on how to rebuild your financial life post-bankruptcy.
The Law Offices of David J. Cherwonyak, LLC is committed to providing ethical and effective representation.
They aim to help you achieve the best possible outcome in your bankruptcy case.
6) Reinherz & Reinherz
Reinherz & Reinherz Law Offices is a second-generation law firm with over 30 years of experience in Philadelphia.
The firm focuses on bankruptcy, divorce, immigration, and real estate law.
David Reinherz joined the firm in 1998, bringing his expertise in bankruptcy law.
He has been helping clients in Philadelphia and South Jersey with their financial issues for more than two decades.
When you’re facing financial difficulties, David Reinherz can assist you in claiming bankruptcy.
He aims to provide a fresh start by helping end creditor harassment and stopping foreclosures.
The firm prides itself on offering friendly, affordable, and quality legal services.
They understand that good people can find themselves in bad situations and strive to help clients navigate these challenges.
David Reinherz’s approach to bankruptcy cases is empathetic and thorough.
He takes the time to walk you through the process, answering your questions and addressing your concerns.
Clients have praised David for making the bankruptcy process as smooth and painless as possible.
His attention to detail and willingness to explain complex legal matters have earned him positive reviews.
If you’re considering filing for bankruptcy in Philadelphia, Reinherz & Reinherz offers experienced representation.
They can guide you through Chapter 7 or Chapter 13 bankruptcy, helping you understand your options and make informed decisions about your financial future.
7) Law Offices of Erik B. Jensen P.C.
When facing bankruptcy, you need a skilled attorney to guide you through the complex legal process.
The Law Offices of Erik B. Jensen P.C. in Philadelphia offers experienced representation for individuals and businesses in financial distress.
Established in 1984, this firm has been serving clients in Southeastern Pennsylvania and Southern New Jersey for nearly four decades.
You can benefit from their extensive knowledge of bankruptcy law and local court procedures.
The firm’s attorneys are highly motivated and skilled in various practice areas.
While bankruptcy is a significant focus, they also handle divorce, business matters, criminal defense, and real estate cases.
You’ll find their office conveniently located in Center City Philadelphia at 1528 Walnut Street.
This central location makes it easy for you to meet with your attorney and attend court proceedings.
Erik B. Jensen, the firm’s managing partner, brings years of experience to your case.
His expertise in bankruptcy law can help you navigate the complexities of Chapter 7 or Chapter 13 filings.
When you work with this firm, you’ll receive personalized attention and strategic advice tailored to your unique financial situation.
They understand the stress you’re under and strive to provide compassionate, professional service.
The Law Offices of Erik B. Jensen P.C. offers free consultations to discuss your case.
You can call them at (215) 546-4700 to schedule an appointment and start exploring your options for debt relief.
8) Michael A. Cataldo, Esq.
Michael A. Cataldo is a highly experienced bankruptcy attorney based in Philadelphia.
He has handled more than 10,000 bankruptcy cases, demonstrating his extensive expertise in this field.
Mr. Cataldo’s practice is focused primarily on consumer bankruptcy, including Chapter 13, Chapter 7, and Subchapter V cases.
His dedication to helping clients navigate complex financial situations has earned him recognition in the legal community.
In 2017, Best Rated named Mr. Cataldo one of the Top 3 Bankruptcy Attorneys in Philadelphia.
This accolade speaks to his skill and commitment to providing excellent legal services to his clients.
Mr. Cataldo brings his wealth of knowledge to a respected law firm as an attorney at Gellert Seitz Busenkell & Brown, LLC.
His expertise in consumer bankruptcy law allows him to guide you through the intricacies of your financial situation with precision and care.
Clients have praised Mr. Cataldo for his professionalism and dedication.
Many have noted his ability to alleviate stressful financial situations and his willingness to go above and beyond for those he represents.
If you’re facing bankruptcy and need expert legal guidance, Michael A. Cataldo’s extensive experience and client-focused approach make him a strong choice for your representation in Philadelphia.
9) Law Offices of Timothy Zearfoss
Timothy Zearfoss is an experienced attorney practicing in Philadelphia and Upper Darby, Pennsylvania.
With over 35 years of legal expertise, he offers services in various areas of law, including bankruptcy and debt.
You’ll find his primary office located at 143-145 Long Lane in Upper Darby.
He also maintains a presence in Philadelphia at 215 South Broad Street, providing convenient access for clients in both locations.
Mr. Zearfoss’s practice extends beyond bankruptcy law.
He handles cases related to real estate, immigration, family law, and DUI-DWI matters.
This diverse background allows him to approach your bankruptcy case with a comprehensive understanding of related legal issues.
Client reviews suggest that the Law Office of Timothy Zearfoss provides quality legal services.
You can find feedback from previous clients to help inform your decision.
When seeking bankruptcy representation, you’ll want an attorney who can navigate complex financial situations. Mr. Zearfoss’s extensive experience in multiple legal areas may prove beneficial in addressing the various aspects of your case.
To schedule a consultation or learn more about how the Law Offices of Timothy Zearfoss can assist with your bankruptcy needs, you can contact their office directly.
They can provide specific information about their bankruptcy services and how they might apply to your unique financial situation.
10) Joseph F. Claffy, Esq.
Joseph F. Claffy was a respected bankruptcy lawyer in West Chester, Pennsylvania.
His expertise in bankruptcy law made him a valuable resource for clients facing financial difficulties.
Claffy’s legal career was built on a strong educational foundation.
He earned his J.D. from Delaware Law School of Widener University in 1981 and was admitted to the bar that same year.
What set Claffy apart was his unique background as a classically trained pianist.
This artistic talent complemented his legal acumen, giving him a well-rounded perspective that clients appreciated.
In addition to bankruptcy law, Claffy’s practice areas included personal injury, entertainment law, and wills and probate.
This diverse skill set allowed him to serve a wide range of client needs.
Claffy operated his own firm, Joseph F. Claffy & Associates, P.C., located in West Chester.
His dedication to his clients and his profession made him a respected figure in the legal community.
Throughout his career, Claffy demonstrated a commitment to helping individuals and businesses navigate complex financial situations.
His approach combined legal expertise with a compassionate understanding of his clients’ circumstances.
Understanding Bankruptcy Law
Bankruptcy law provides relief for individuals and businesses struggling with debt.
It offers different options based on financial circumstances and aims to give debtors a fresh start while protecting creditors’ interests.
Types of Bankruptcy
Individuals usually file for either Chapter 7 or Chapter 13 bankruptcy.
Chapter 7, also known as liquidation bankruptcy, involves selling non-exempt assets to pay off debts.
It’s typically for those with limited income and few assets.
Meanwhile, Chapter 13 bankruptcy allows you to keep your property while repaying debts over 3-5 years through a court-approved plan.
For businesses, Chapter 11 bankruptcy enables reorganization while continuing operations.
Chapter 12 is specifically designed for family farmers and fishermen.
Each type has distinct advantages and requirements, so it’s crucial to consult with a qualified attorney to determine which option best suits your situation.
Eligibility Criteria
To file for bankruptcy, you must meet specific criteria.
For Chapter 7, you’ll need to pass a means test, which compares your income to the median income in your state.
If your income is below the median, you automatically qualify.
If it’s above, further calculations determine eligibility.
On the other hand, Chapter 13 requires a regular income source and debt levels below certain thresholds.
As of 2024, secured debts must not exceed $1,395,875, and unsecured debts must be under $465,275.
You must also be current on tax filings.
For all types of bankruptcy, you’re required to complete credit counseling from an approved provider within 180 days before filing.
This ensures you’ve explored all alternatives before proceeding with bankruptcy.
Qualities of the Best Bankruptcy Lawyer
When seeking legal representation for bankruptcy, certain attributes set top lawyers apart.
The best bankruptcy attorneys combine extensive experience with a proven track record of client satisfaction.
Experience and Expertise
A top bankruptcy lawyer possesses in-depth knowledge of federal and state bankruptcy laws.
You’ll want an attorney who has handled over 12,000 bankruptcy cases, demonstrating their expertise in various scenarios.
Look for a lawyer who specializes in the specific type of bankruptcy you’re considering, whether it’s Chapter 7 or Chapter 13.
The best lawyers stay updated on changes in bankruptcy legislation.
They should be able to explain complex legal concepts in terms you can understand.
An experienced attorney will assess your financial situation and recommend the most suitable course of action.
Client Testimonials
Client feedback is a crucial indicator of a lawyer’s effectiveness.
The best bankruptcy attorneys have high ratings and positive reviews from past clients.
Look for testimonials that mention:
- Clear communication
- Prompt responses to inquiries
- Successful case outcomes
- Compassionate treatment
Pay attention to reviews that describe how the lawyer helped clients navigate challenging financial situations.
A top bankruptcy attorney will have a track record of helping individuals and families achieve a fresh financial start.
How a Bankruptcy Lawyer Can Help
A skilled bankruptcy attorney provides crucial assistance throughout the complex process of filing for bankruptcy.
They offer expert guidance, protect your rights, and work to achieve the best possible outcome for your financial situation.
Case Evaluation
Bankruptcy lawyers in Philadelphia start by thoroughly assessing your financial situation.
They review your debts, assets, income, and expenses to determine if bankruptcy is the right option for you.
You’ll receive advice on which type of bankruptcy might be most suitable – typically Chapter 7 or Chapter 13 for individuals.
Your attorney will explain the potential consequences of filing, including impacts on your credit score and future financial opportunities.
They’ll also explore alternative debt relief options if bankruptcy isn’t the best choice for your circumstances.
With their expertise, you can make an informed decision about how to proceed with your financial challenges.
Navigating Legal Procedures
Once you decide to file, your bankruptcy lawyer guides you through the intricate legal process.
They assist in preparing and filing all necessary paperwork, ensuring accuracy and completeness to avoid delays or dismissals.
Your attorney represents you at court hearings and meetings with creditors, advocating for your interests.
They handle communications with the bankruptcy trustee and creditors on your behalf, shielding you from potentially stressful interactions.
Experienced lawyers can help you navigate complex issues such as:
- Exemptions to protect your assets
- Debt discharge eligibility
- Repayment plan negotiations in Chapter 13 cases
Their knowledge of local court procedures and relationships with trustees can streamline the process, potentially leading to more favorable outcomes for your case.
Frequently Asked Questions
Choosing the right bankruptcy lawyer in Philadelphia involves considering several key factors.
Understanding the qualifications, specializations, and processes can help you make an informed decision.
What are the qualifications to look for in a bankruptcy attorney in Philadelphia?
Look for attorneys who are licensed to practice in Pennsylvania and have specific experience in bankruptcy law.
Certification from the American Board of Certification in Consumer Bankruptcy Law is a valuable credential.
Seek lawyers with a strong track record of successful bankruptcy cases in Philadelphia courts.
Experience with both Chapter 7 and Chapter 13 bankruptcies is important.
Which legal firm in Philadelphia specializes in bankruptcy cases?
The Law Offices of David M. Offen is a well-known firm specializing in bankruptcy cases in Philadelphia.
They have extensive experience handling both personal and business bankruptcies.
Sadek and Cooper Law Offices is another reputable firm focusing on bankruptcy law in the Philadelphia area.
They offer personalized strategies for debt relief.
How can I assess the reputation of a bankruptcy lawyer before hiring?
Check online reviews and ratings on legal directories.
Sites like Avvo, Martindale-Hubbell, and Super Lawyers provide peer and client ratings for attorneys.
Ask for references from past clients.
Reputable lawyers should be willing to provide testimonials or connect you with former clients.
What is the typical fee range for hiring a bankruptcy lawyer in Pennsylvania?
Fees for bankruptcy lawyers in Philadelphia typically range from $1,000 to $3,500 for Chapter 7 cases.
Chapter 13 cases may cost between $2,500 and $6,000.
Some lawyers offer flat-fee arrangements, while others charge hourly rates.
Be sure to discuss fee structures during your initial consultation.
Can you explain the process of filing for bankruptcy in Philadelphia?
The process begins with credit counseling from an approved provider.
You’ll then file a petition with the U.S. Bankruptcy Court for the Eastern District of Pennsylvania.
Your lawyer will help you complete required forms detailing your financial situation.
A meeting of creditors, called a 341 meeting, will be scheduled where you’ll answer questions under oath.
Are there options available for free bankruptcy consultation in Philadelphia?
Many bankruptcy attorneys in Philadelphia offer free initial consultations.
This allows you to discuss your situation and explore options without financial commitment.
One firm that provides free consultations for bankruptcy cases is Reinherz & Reinherz Law Offices.
Always confirm the consultation policy when scheduling an appointment.